If I fail to overcome the tribulation, I can only return to the Ming Dynasty and become a prince.

Chapter 190 Super Hair
"It's not the new money bank that caused the fuss." Zhu Gaochi sighed heavily, and explained to Zhu Zhanjun helplessly: "Originally, the matter of the new money bank has been decided, and it will be trialled in Yingtian Mansion for one year. , if the effect is good, it will be promoted nationwide.

But because of the conquest of Japan, all the imperial court's energy was focused on supporting you in the conquest of Japan, so this matter was delayed.

However, despite the delay, the court did not do nothing. The new money bank was still put up, and according to your previous wishes, it was given an easy-to-remember name, called Daming Money Bank, and it was also made public Collect deposits from merchants and nobles in Nanjing.

Relying on the rules you told me before, the Ming Dynasty Treasury is running well. Because the money orders issued by the Ministry of Household Affairs are endorsed by the imperial court, they can be passed in Yingtian Mansion and can be used for tax payment, which is also very popular. Businessmen welcome.

Many big businessmen deposited large sums of silver in the new money bank and exchanged the silver for money orders.

After all, the Ming Dynasty Treasury is a government yamen, and the safety of money stored in it is guaranteed. The money order is also recognized by the court and can be exchanged for money and grain from yamen at all levels in Yingtian Mansion. It can be said that it has been welcomed as soon as it was launched. The value is even higher than the face value, and now it is almost as much as one tael of silver as one or two or five cents.

So now the money bank is actually rich. During the inventory last year, it was calculated that there were a total of 110 taels of silver in deposits. It can be said that it can fully support the operation of the money bank.

Although the money bank issued slightly more money than the bank deposits, reaching a total of 200 million taels, because the court recognized the exchange and it was only available in Yingtianfu, overall the operation was very smooth. The policy of the new money bank was also recognized by the imperial court.

But that’s the only bad thing!Xia Yuanji felt that there was so much money in the new treasury, there was no need to deposit any more money in it!He feels that when the new money bank is promoted to other places, it can also support the operation of the money bank by attracting deposits from wealthy households. "

After listening to Zhu Gaochi's explanation, Zhu Zhanqi finally understood what happened and why Zhu Gaochi and Xia Yuanji had a disagreement over the 100 million taels of silver he brought back.

To put it bluntly, Xia Yuanji felt that there was already more than 100 million taels of silver in the new treasury and there was no need for additional capital injection, so he wanted to use the 100 million taels of cash in the household finance department.

After all, he is the Minister of the Ministry of Revenue, and the first thing he has to consider is the financial problems of the whole country. Last year, the conquest of Japan wiped out the treasury of many warehouses of the Ministry of Revenue, and he, the Minister of the Ministry of Revenue, was almost forced to wear his pants.

You must know that the imperial court only completed the Northern Expedition in the eighth year of Yongle, which almost wiped out the little wealth the imperial court had accumulated. In the ninth year of Yongle, he went to conquer the Japanese again. Although the family wealth was not emptied, it also caused a heavy hemorrhage in the Ministry of Household Affairs.

For Xia Yuanji, he must find a way to refill the Treasury's warehouse.

Otherwise, if there is some kind of natural disaster or military disaster, it will be bad if the court cannot find the money to deal with it.

Zhu Gaochi, on the other hand, focused on the government affairs of the entire court. It was important for the Ministry of Household Affairs to fill the vacancies, but it was equally important to solve the problem of excessive issuance of treasure notes.

Therefore, Zhu Gaochi hopes to solve the monetary problem first and then solve the financial problem.After Zhu Gaochi heard what Zhu Gaochi said, he asked in confusion: "Did the Ministry of Revenue deny the money order he issued or something? Could it be that after converting the 100 million taels of silver into a money order, the Ministry of Finance couldn't use it?" Pay the bills and fill the holes?”

"I really can't spend it." Zhu Gaochi smiled bitterly and shook his head helplessly: "Although the money order from this new bank is good, it only goes to Yingtian Mansion! The holes that the Ministry of Revenue needs to fill are all over the country.

Moreover, many of the holes belong to the imperial court itself. If you use a money order issued by the imperial court to fill these holes, wouldn’t the money exchanged for the money order in the end still be money and food from the imperial court? "

Hearing this, Zhu Zhanquan knocked on the table and said negatively: "Father, you are wrong. He, Mr. Xia, is stingy again! After all, money orders must be circulated throughout the country. Isn't this now a great opportunity to promote the new money bank's money orders throughout the country?
Moreover, as long as the yamen of the household department recognizes the money order, it will be sent to the yamen below to fill the financial hole, and they will be allowed to offset it with the money order when paying taxes next year, and the physical goods collected will be used to replenish the local treasury. Isn’t the matter settled? "

"But in this case, what the court has in hand is just a pile of money orders, not real money and food. If the money orders depreciate..." Zhu Gaochi expressed his biggest worry, and it was also the point where he could not convince Xia Yuanji.

Zhu Zhanquan shook his head and then explained: "Dad, you and Xia Shangshu made the same mistake. This bill of exchange is recognized by the court and can be redeemed from various government offices in the court, so its value is determined by the reputation of the Ming court. Guaranteed.

In other words, as long as the people still believe in our Ming Dynasty court and the court still recognizes the money order, then it can be spent as money.

As for the silver in the new treasury, it is only used to ensure the value of the bill of exchange and is used to fix the anchor of the ship of the bill of exchange. The bigger the anchor, the bigger the ship can be built!

Of course, I have said before that you should not make the same mistakes as the treasure notes and do not issue them indiscriminately, but looking at this, you have not listened to what I said! With more than 100 million taels of silver, you actually issued a bill of exchange for 200 million taels?

In case of a run on the money, what would Xia Yuanji use to fill the hole of 10 taels?His Ministry of Accounts is also planning to issue money orders indiscriminately like treasure banknotes so that the common people will take the blame? "

"It's not that, it's not that, this overpayment was discussed in the court, and it was also to support your conquest of Japan, so this part was overpaid. In order to be able to pay for the court's purchase of grain and other military supplies from the market, Xia The minister did not overpay, and this part was offset by the autumn grain." Zhu Gaochi hurriedly explained that Zhu Zhanquan had warned him about the danger of overpaying when he introduced the whole set of things in the new treasury to him, so he was still very worried. Pay attention to this matter.

Hearing what Zhu Gaochi said, Zhu Zhanquan nodded, and then said: "In that case, then exchange the 100 million taels of silver into a money order and continue to use it! You have already used it once, don't you think it is not enough? Is it useful?"

"It's so useful that your father, I and Xia Shangshu are worried! We are worried that even if the court uses it smoothly, it will still be uncontrollable and excessive issuance! You have also seen that the new money bank and money order have only been implemented for a few months. At that time, the overpayment amounted to more than 80 yuan! Although there is an offset by autumn grain, an overpayment is an overpayment. If the total amount of the money order continues to be expanded, if something happens to the court in the future and the overpayment continues, this will not be stopped!" Zhu Gaochi revealed With a worried expression on his face, he expressed his worries to Zhu Zhanyu.

(End of this chapter)