Ming Dynasty man

Chapter 577
Gently patted Gao Qi's hand, Yuan Shu said seriously: "General Gao, I think if you care about it, you will be confused! Who is our commander in chief? Even if he is drunk, he is still [-]% sober. You Don’t think that what the commander-in-chief just said was a drunken speech, he knows very well that we belong to him, and he won’t let it out if he tells us, would you think the commander-in-chief would say something?”

"Then you can't let the commander-in-chief hold on like this?" Gao Qi frowned and said.

Yuan Shu said seriously: "We must hold on. If we break up the banquet today, the commander-in-chief will be furious tomorrow. Neither you nor I can afford it."

After a pause, Yuan Shu said: "General Gao, you and Shen Xing are here to take care of the general, let the general drink more tea, don't ask someone to toast the general, I will find someone to arrange sober soup for the general."

Gao Qi nodded and called a servant to bring tea over immediately.

And Yuan Shu went to inform the people of Honglu Temple to send an order to the imperial dining room to make hangover soup immediately.

After a while, the servants brought tea, Gao Qi and Yang Liufeng sat next to Li Jing and poured tea for Li Jing.

Gently patted Gao Qi's shoulder, Li Jing took the teacup and said, "Good brother."

Then he said to Yang Liufeng: "You are fine too, you are all fine. With brothers like you, Li Jing will be comforted for the rest of his life."

"Commander, it's a blessing from our previous lives that we can follow him. Commander, please drink tea first." Yang Liufeng said.

Li Jing smiled and took a sip of tea lightly.

At this moment, a group of low-level officials came towards Li Jing with wine glasses.

When they got close, all the officials raised their wine glasses, and the first one bowed and said: "We are all in the midst of the state's lord Jianba. Today, I have received the lord's grace. Allow me to have a banquet in the palace. We will treat you to the state's lord." The Lord is grateful to Dade, and wants to offer a cup to the Duke."

Yang Liufeng frowned when he heard the words, stood up and said, "Fan Jishi, I think you drank too much. Don't you know how much the commander drank just now? What kind of wine are you offering at this stall?"

Fan Jishi hurriedly said: "Master Yang, I know that the commander-in-chief did not drink less just now, but I really want to offer a glass of wine to the Duke. How about this, let the Duke replace the wine with tea, let's toast It's okay."

"You come to toast my wine. How can I replace wine with tea? Isn't that a disappointment to you?" Li Jingyi smiled and said with a smile: "Fan Jishi, I remember that you used to work in the Ministry of Household Affairs , and later transferred to a bank, you have done a good job this year, I heard Shen Xing talk about you."

"Thank you, Grandpa Guo, for your compliment." Fan Jishi said hastily.

Li Jing smiled, turned to Yang Liufeng and said, "Careful, pour me a glass of wine, and you pour a glass yourself. You are in charge of the household department, and they are your subordinates. You, the supervisor, also have a glass with you."

"This... Marshal, why don't I drink this glass of wine for you?" Yang Liufeng hesitated.

Li Jing smiled and said: "They toasted my wine, what's the matter with you drinking it for me? Pour the wine quickly!"

Yang Liufeng had no choice but to give Li Jing a glass of wine, and then poured himself a glass.

Picking up the wine glass, Yang Liufeng gave Fan Jishi a hard look, and then said with a smile, "Fan Jishi, you are so proud of yourself. The commander not only accepts your toast, but also wants me to have a drink with you."

"Master Yang can accompany the officials to drink a glass of wine, that is also the blessing of the officials." Fan Jishi said with a smile.

Li Jing shook his head and said with a smile: "Fan Jishi, drinking is drinking, don't you always flatter?"

As he spoke, he raised his wine glass to everyone, and drank it all in one gulp.

Seeing this, everyone hurriedly raised their glasses and drank all the wine in their glasses, and then they all left.

Li Jing smiled and said to Fan Jishi: "Ji Shi, you stay and sit with me for a while."

"Yes!" Fan Jishi hurriedly said.

Upon hearing this, Gao Qi got up and gave up his seat to Fan Jishi. When Fan Jishi was sitting, Gao Qi whispered in his ear, "Don't drink with the commander again."

Fan Jishi was stunned and nodded hastily.

Li Jing shook his head, picked up the teacup and poured Fan Jishi a cup of tea: "I drank too much today, they are afraid that I will get drunk, let's drink tea."

"Thank you, Marshal." Fan Jishi hurriedly got up and took the teacup.

Li Jing waved his hand: "Sit down, don't be restrained, today is a banquet for you, don't talk so much about etiquette."

When Fan Ji sat down, Li Jing continued: "I've been busy these days, and I don't have time to pay attention to the bank's affairs. When they reported to me, they always told me nice things.

You toasted me today, just to tell me about the banking affairs, talk about the shortcomings of our bank, and what difficulties you have, tell me about it. "

"This..." Fan Jishi didn't expect Li Jing to ask about business, so he couldn't help hesitating.

Li Jing smiled and said: "It doesn't matter, you can just chat with me and complain, and I can just treat it as a boredom, let's not talk about business."

Fan Jishi raised his head to look at Yang Liufeng, and saw Yang Liufeng staring at the boss, as if he was about to eat himself.

Fan Jishi's heart trembled, he hurriedly smiled and said, "Master Guo, there is nothing wrong with the bank, and everyone is not in any trouble."

Li Jing waved his hand: "There must be a problem. Our Ming Dynasty issued precious banknotes many years ago. But because the court has no credibility, the common people do not recognize the precious banknotes. Now we are reissuing banknotes. How can the common people not have doubts? So we say , There must be some problems, and if you want to solve these problems, you will have many difficulties."

Fan Jishi nodded silently: "What the Lord sees is very clear. The issuance of banknotes is indeed what the Lord said, and the common people do not approve. However, the lower officials think that although the common people have concerns, the problem is not really a big one, because The common people have no silver in their hands, and they usually spend copper coins. They used to spend copper coins, but now they spend paper money. As long as the ratio of paper money to copper money is the same, and it has been maintained, the common people will not care whether to spend copper money or paper money. .

It's the merchants, the landlords, the rich that care.Because these people have silver in their hands, they are worried that the banknotes will be worthless in the future, so they hold the silver and don't exchange it for banknotes. Even if they exchange it, it is only for temporary flowers.

In fact, most of the time these people go to the bank not to exchange silver for banknotes, but to exchange banknotes for silver, especially those merchants. "

Looking at Yang Liufeng, Fan Jishi continued: "Master Guo, you should know how much silver deposits the bank has now, and the total is only over 200 million taels. That is to say, in the one and a half years since the establishment of the bank, we only exchanged More than 700 million taels of silver. The reason why the exchange is so small is that those rich people do not keep banknotes in their hands, and those who do small business even go to the bank to exchange for a tael of silver. Our bank spends most of the day. These exchange businesses."

Li Jing smiled and nodded: "It seems that you really put your heart into it, and what you said is very good, then have you thought about a solution?"

Seeing Fan Ji and looking at Yang Liufeng again, Li Jing smiled and said: "It's okay, let's drink tea and chat, you don't have to worry about anything, Mr. Yang and the others are afraid that I will be tired, and they are afraid that I will think about business after the Chinese New Year."

Yang Liufeng sighed lightly and said, "Fan Jishi, the commander asked you to speak, so just speak up and express your opinions. If you don't say it, the commander-in-chief will probably not be able to pass this year. He must be here all day long." Consider that."

Fan Jishi hurriedly said: "It's because the lower officials didn't think carefully, and shouldn't be discussing business matters with the commander-in-chief at this time."

Li Jing smiled and said, "Tell me, tell me what you can do. If it works, it will help me solve a difficult problem and save me trouble."

"Yes, then I'll just talk about my humble opinion." Fan Jishi hurriedly said.

After a pause, Fan Jishi continued: "Actually, the imperial court still has the most useful weapon to promote banknotes, and that is taxation. When the Ministry of Households collects taxes, it collects banknotes, copper coins, and silver. The official suggested that when collecting taxes in the future, we should directly collect banknotes, and when someone pays taxes with copper coins or silver, let them go to the bank to exchange the copper coins and silver into banknotes first, and then pay the tax."

"In that case, every time it's time to pay taxes, the bank will need to add a lot of manpower. This is not a small expense." Yang Liufeng frowned.

Fan Jishi smiled and said: "Your Excellency's words are true, but with the increase of these manpower, the manpower of tax collectors in the household department can be reduced correspondingly. After all, it is much more convenient to count banknotes than to count copper coins and silver. We can transfer the manpower of tax collectors to Banks do exchange business, and when it goes down, it goes up, and the bank can’t actually increase the number of people.”

Li Jing said with a smile: "And in the long run, there are many benefits, because the household department does not need to be equipped with so many people, but the bank needs a lot of people to promote business. I think this method is feasible! We will discuss it carefully in the future "Fan Jishi, you continue."

Fan Jishi nodded and continued: "Yes, I believe that whether banknotes can be recognized by the common people mainly depends on two points, one is whether they can be spent like silver money, and the other is whether banknotes are the same as silver money when paying taxes. Works just as well.

Huayong has already been mentioned by the lower officials just now, and now we are talking about taxes. We all know that when it comes to collecting grain taxes, what farmers pay is grain, and very few farmers pay taxes with money.It is mainly merchants who pay taxes with money. If merchants find that paying taxes with paper money is as useful as silver money, then they will not rush to exchange silver for a little money.After a long time, everyone will agree with the banknotes. "

Li Jingwen couldn't stop nodding: "You're right, as long as everyone believes that the paper money issued by the imperial court is useful, they will gradually accept the paper money. At that time, we can gradually eliminate the circulation of copper coins and silver."

Seeing that Li Jing was happy, Fan Jishi pondered for a while and continued: "My lord, I also found a problem."

"Oh? Let's hear it." Li Jing said hurriedly.

Fan Jishi said: "The lower officials feel that the denominations of the banknotes we issue are a bit small, and the largest one is ten taels of silver. If merchants conduct large transactions, they need to exchange many banknotes, and it is not very convenient to carry them.

Therefore, when making large transactions, merchants like to use Jingji Bank’s banknotes. That is to say, merchants are more willing to put their silver in Jingji Bank. In fact, Jingji Bank’s deposits are much more than that of banks. At that time, I got Jingji Bank to borrow money. "

(End of this chapter)