Mingshi

Chapter 1506 Persuasion
"wrong!"

Zhang Juzheng stood up and paced back and forth on the ground for a full quarter of an hour, when he suddenly stopped and looked at Luo Dao with burning eyes:
"Then why did the bank go bankrupt? According to what you said, there are as many real money as there are ticket numbers. Even if all the people with ticket numbers go to withdraw money together, the bank will not go bankrupt."

Luo Xin sighed in his heart, Zhang Juzheng is really smart, he deserves to be the chief assistant of the cabinet in the future.

"That's because all the banks found that even though people were withdrawing money every day, more people were depositing money. This caused a lot of money squeeze in the coffers of the banks. They found that in fact, there was no money at all. It is necessary to store all the money in the treasury, as long as a small part is enough. So they lend some of the money to earn interest.

You also know that there are always accidents in things like lending money.If there are only a few accidents, that's fine.The money bank can always turn around slowly.However, once there is an accident with excessive lending, their money will be out of stock.It was as if a chain had snapped.At this time, they have no money to pay the depositors, and naturally they go bankrupt.

However, even if a bank goes bankrupt, the people who suffer losses are only a small number compared with the entire Ming people.And at this time, the imperial court can also intervene, seal up the bank, auction off the shop real estate of the bank, etc., and return part of the money to the depositors.What if the treasure banknotes issued by the imperial court encounter this situation?

That is the loss of the entire Ming people, which will cause civil uprisings and even shake the foundation of the country. "

"But... give up the treasure, the treasury is empty..."

"First of all, the emptiness of the national treasury is temporary, just because the former emperor passed away and the new emperor ascended the throne, etc. It took a lot of money. Soon the Shibosi and Hushi will send money. Secondly, I agree with Mr. Gaoge to increase business taxes."

Speaking of this, Luo Xin looked at Zhang Juzheng and said with a smile: "This is also against Xu Jie."

Zhang Juzheng couldn't help but blush.

"Taiyue, don't think about the treasure banknotes, don't do it. Even if the treasury is rich in real money, it can print the same amount of treasure banknotes. But no one can guarantee that the treasury will always have sufficient real money. Once When the treasury is empty, what will the cabinet and His Majesty first think of?"

"Think of what?"

"Thinking of printing precious banknotes." Luo Xin said lightly: "For example, once a war breaks out around Daming, you should know what is being fought, right?"

"It's money!"

Zhang Juzheng is now in the household department, so he naturally knows this.Even if he is not in the household department, he still knows it with his knowledge, but now that he is in the household department, he knows it more deeply.

"If the war continues, even if the treasury is full, it will be empty. If you were the chief minister of the cabinet at that time, what would be your first thought?"

Zhang Juzheng was silent, Luo Xin stared straight at Zhang Juzheng and said: "You must want to print more treasures, don't deny it. Because that is the only quick way."

Zhang Juzheng couldn't go against his own ideas, he put himself in his shoes and thought about it, at that time he would definitely print more precious notes.So he was silent.

"Printing precious banknotes will make the precious banknotes worthless, and eventually they will be like waste paper, just like the current precious banknotes. This is like the bankruptcy of a bank, but only a small bank is damaged when a bank goes bankrupt. For some people, the depreciation of the precious banknotes is a loss for the entire Ming people, which will cause the people to be displaced and shake the foundation of the country. In fact, at that time, a country will go bankrupt."

"The country went bankrupt?" Zhang Juzheng was surprised.

"What's so surprising about this?" Luo Xin said in a deep voice, "You can think about it a few years ago. In fact, at that time, Daming's precious banknotes were like waste paper, and Daming had already closed down. If it hadn't been for the opening of the Shibo Department, the establishment of After the mutual market, can you imagine what the result will be?
At that time, there was no money in the treasury, and mice could be starved to death.And because Xu Jie flattered the late emperor, Daming embezzled the little money he had to build the Yuxi Palace for the late emperor, which turned the refugees into bandits and fought everywhere.What do you think would have happened if I hadn't confiscated a group of corrupt officials through a series of anti-corruption campaigns and managed to scrape together military expenses?

This is the consequence of the country's bankruptcy, so the Daming treasure banknote is a decision that shakes the country's foundation. Whoever proposes it will be a sycophant. "

Zhang Juzheng changed his color and said, "Could it be that the country will never be able to issue precious banknotes?"

"Yes! But the timing is not enough." Luo Xin said flatly: "If the decision is half a step ahead of the times, it is a genius decision. If it is one step ahead, it is the source of the turmoil of the times."

Zhang Juzheng said silently for a moment: "But there is no precious banknote, only copper coins are used, it is very inconvenient to operate, and there is a shortage of copper coins. It is not enough for circulation. Once a whip is implemented, more copper coins will be needed, which will cause a money shortage."

Luo Xin lowered his eyelids and said, "Taiyue, everything has to be done step by step. First, you have to achieve a whip, and second, you have to abolish the Daming banknotes. Otherwise, Daming will use the current treasure banknotes to buy goods and food from the common people, what will happen?" It will cause a big mess. As for the copper coins, it should be ranked third. There is no rush.”

"How can we not be in a hurry? Once a whip is implemented, copper coins will be needed immediately..."

Luo Xin squinted at him, Zhang Juzheng stopped talking.Some guilty conscience asked:

"What do you mean by that look?"

"Give you a look, and understand it yourself!"

"no……"

"You should stop." Luo Xin waved his hand helplessly and said, "You should first convince your mentor to agree to a whip, even if you have my support, but you, Xu Jie, are the chief minister of the cabinet. Difficult to pass unless you have the support of Gao Gong. Do you think one of your whips can be executed in a short time?"

Zhang Juzheng frowned tightly, and sighed for a long time, but Zhang Juzheng was worthy of being a person with explosive combat power, he just sighed, and regained his energy.

"I'll solve the rest of the problems, anyway, you support me, right?"

Luo Xin shook his head and said, "I'm not supporting you, but a whip. You have to be clear about this."

"I understand!" Zhang Juzheng nodded.

The room fell silent, and both of them lowered their eyes slightly. At this moment, the atmosphere in the room was very strange.

Both have admiration for each other in their hearts, a tacit understanding of the same ideas and like-mindedness, and the idea of ​​fighting side by side to make a career, but they also have the regret of not being in the same camp, and even eventually hostile.

This strange atmosphere of silence lasted for about ten breaths. Zhang Juzheng took the lead in breaking the silence, stood up and said:
"No, I should go."

"I'll see you off." Luo Xin also stood up.

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Thank you very much for the reward of Dust and Soil (100) of the Third Fame!

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(End of this chapter)