.Zhang Juzheng was quick-thinking. Although he was in a field that he was not familiar with, he still had no confusion and sneered: "Is Huilianhao a charity hall?"

"How is it possible? There are no merchants who are not profit-seeking..." Silently smiled, "Let me tell me why I asked Huilianhao to promote banknote exchange business. This is because when I was in the Southeast Administration, the military rations and materials needed were often purchased separately in various provinces, and the cash bank was carried everywhere with cars and ships. It was extremely inconvenient and unsafe, so I came up with the idea of ​​paying with banknotes. Regarding this question, I have also asked many merchants, and they generally reported that it would be better to have a convenient settlement method, even if it was to pay some money. In the name of the Southeast Governor, I told the boss of Huilianhao, hoping that he could do this custody and payment business. Of course, as a reward, every time when cash bank is withdrawn, Huilianhao will charge a certain handling fee..."

"I heard that Riyilong has cancelled this fee in order to retain customers..." Zhang Juzheng is not so easy to fool," he pointed out immediately: "Even to some large depositors, interest is paid. I think the handling fee of Huilian No. will not be charged for a long time..."

The silent smile was a little hard, Zhang Juzheng's words poked his pain. Rishenglong's unruly behavior exposed the secrets of a banking industry to the world. "Sighed lightly" he nodded and said, "In fact, hundreds of years ago, the merchants who operated bank accounts and pawn shops realized that when customers accumulated a large amount," but there were also people coming to withdraw cash every day, and people coming to save money every day. After a period of time, they found that "there is always a large amount of gold and silver in the warehouse. Later, they concluded that only part of it needs to be kept as payment preparations. The rest can be used to lend money to obtain interest..." He paused and said, "Obviously, Riyilong is preparing to follow this old path..."

"Will Huilian Number follow up..." Zhang Juzheng stared at Silence tightly.

"Business competition is like sailing against the current, you must follow..." Chen Si said lightly: "And to be honest, paid deposits are inevitable" is a trend and a turning point in history. Even if the day is different and the high school is not done, the morning and evening Huilian will be implemented..."

Hearing that he was so tall, Zhang Juzheng couldn't believe it: "It seems like this is the first time I heard you praise you so enthusiastically..."

"Not bad..." said silently: "The purpose of promoting banknote exchange is to facilitate business and promote production. When production development is rampant, there will be more opportunities for investment to get rich. Even if you don't have the courage and ability to invest directly, you can still place money in the bank account and let the bank account invest, and you can earn interest steadily and make sure to make a profit without losing money. It is better than relying on the weather alone." "According to what you say, you can also curb land mergers..." Zhang Juzheng couldn't help but smile.

"Why can't it be? Why is this upper class of Du Hui so keen on hoarding land? It's not that they love this land deeply, but that they don't know what to do..." Silent smiled: "It is said that the rich families in the northwest are keen on storing silver in crypts. If they don't use it for a long time, there will be nothing in the southeast. It's not as rich as the northwest. It may be able to set up factories and invest in industries." Or use it to build factories and invest in industrialists. Give rich families an extra choice, at least some of the funds flowing to the land..."

"As you say this," there will be benefits but no harm..." Zhang Juzheng looked at him in silence.

"As long as you maintain a relatively high reserve level, there will be no risk..." Silent crossed his hands and looked back at Zhang Juzheng and said, "It is no harm to the country and the people." "It is no benefit to the country, right..." Zhang Juzheng said coldly: "No matter how lively the merchants are, the treasury will still starve rats to death..."

"First of all, the country and the court are two different concepts." Chen Si said lightly: "In addition, I agree with the collection of commercial tax..."

"Really..." Zhang Juzheng's body suddenly sat upright.

"The way of heaven is to reduce the excess and make up for the deficiency..." Chen Si nodded slowly and said, "Bent on reducing the deficiency and replenishing the excess is to violate the law of heaven and will be blamed..." Zhang Juzheng always believed that Chen Si, the son-in-law of a big businessman from Jiangxi, was a complete business spokesperson, but now, after hearing this decisive answer, he was a little vague...

The sunlight after autumn shone through the gauze window and spread on Shen Mo's body, placing a layer of Jin Qiang on him, but then putting his face in shadow. Even if he was facing each other, Zhang Juzheng could not see his appearance clearly.

"Okay..." Zhang Juzheng coughed, "You can come here now..."

"I can't find it," said silently. As he pulled the vertical line of the corner of the table, after a while, Wang Qiming came in to add water. When he stepped down, he carefully left the thermos.

After drinking three cups in a row, he was relieved. After drying his tongue, Zhang Juzheng put down the teacup and said quietly: "Don't forget Jiangnan, Riyilong is still on the pole and begging to cooperate with the Ministry of Revenue! I can completely abandon the Huilian number and grant Riyilong the exclusive right to make banknotes, and immediately prohibit all privately issued tickets." He looked at him provocatively and said silently: "You said, if I promise them a share of profit, will they still listen to your reason? If I give the people another share of profit, will anyone still object to banknotes..."

"This is a deception of the people..." Silent sneered and said repeatedly: "If you ban the bills and send the money, the money house used to collect the silver from the storage households, but they did not return the silver but only returned the money... The depositors' tens of millions of silver were turned into paper in one day. Even though the tyranny of the past has been difficult to divide it, right?"!

"How dare you say that treasure money is definitely worse than silver..." Zhang Juzheng glared and said, "If I take a step back and make the people change money with silver, I will add one part of the profit, pay the grain tax with the money, and add one part of the profit to the people get half of the profit. Who doesn't change money with silver..."

"According to what you said, if you get a half-percent profit after completing a hundred taels of silver, you still have to pay 80 taels of silver! If you exchange these twenty taels for treasure banknotes, the half-percent profit will also be turned into paper..." Silent Yun smiled lightly, pointing to the country, and there was a pair of feather fan and Luneng scarf: "A huge ten thousand silver is transformed into paper, who is willing to use silver to make money..."

"You..." Zhang Juzheng slapped the table and said, "Is it the only thing you sent by Huilian number is money, and the ones I sent by my Ministry of Revenue are all paper..."

"First, Huilian Number is not mine; second, Huilian Number's silver bill is made of real money and credit accumulated over ten years, and is guaranteed by double guarantee..." A silent look at Zhang Juzheng said: "The Ministry of Revenue still has credit? Is Taicang worthy of silver..."

"I said, let Riyilong come to guarantee..." Zhang Juzheng's face turned red and said, "Your silver bill can be redeemed, can't my treasure bill be redeemed?", "Then you go find Riyilong." Dunmo smiled and said, "Look at them to agree or not.

Zhang Juzheng also smiled and said, "It seems that he can't agree..." Unless the Shanxi merchants' heads are all clamped, why should they pay for the government's excessive white slips?

The two smiled at each other for a while, but Zhang Juzheng was still dissatisfied. He started to say: "Silver not paper money, but it is no different from treasure money. You can attack and retreat. Jiangnan used a good method. Isn't it just to exclude the court and let the bill number come to the world?", "If you insist on this..." Silent said lightly: "As I said just now, I ordered the circulation of silver bills. You are the Minister of the Ministry of Revenue who is in charge of issuing money, and you have this power..."

", then I'm too overestimating my ability..." Zhang Juzheng said with a wry smile: "Compared to the big tickets of Taihang, I, as the minister, don't count anything..." He dared to bet that as long as he dared to make this plan public and attack his memorial, he would fly to the cabinet like snow. The result must be that the silver tickets would be the same as the ones, but he could only be dismissed from get out of class in disgrace.

After all, Huilianhao and Riwulong have been established for ten years, and the silver notes they issued have long been deeply rooted in the hearts of the people. Even the emperor cannot do anything to them... If he can't even understand this, then Zhang Juzheng would still resign as soon as possible and return home, so that he could still save his life.

"Brother Taiyue was joking..." Chen shook his head and said, "Whether the bill number or the silver bill" was just a new thing, far from that powerful," and said, "When he said it sincerely, he said, "But it is really a good thing that benefits the country and the people, and needs your and my protection." "I admit that you are right, but you also said, even if there are more guarantees, silver bills are worthless papers, just like treasure bills..." Zhang Juzheng said in a low voice: "If you use more silver bills in the room, once the bill number bankrupts, it will be useless, and the country will send money to eliminate this risk..." He still did not give up.

"Haha..." He took a sip of tea in silence. He knew that this was the final battle, so he said earnestly: "The Piao number only takes millions of taels of silver from the rich. Even if it is eventually turned into paper, it is probably harmful. It cannot be compared with the country taking tens of billions of silver from the people. It turns into paper from the beginning? The Piao number goes bankrupt, and there is still a court that can make decisions for the people; but once the court's banknotes go bankrupt, who can make decisions for the common people..."

Zhang Juzheng had nothing to say, so he said again: "The wise men of the previous generation said: "The power of money is above, but the lower one has no way to obtain it. Therefore, he is willing to keep it apart. The benefits of all things are collected from the top and distributed from the bottom. This is the theory of the country...", "What is the convention of the Daming Baochao today?" Silent sighed and said: "The banknote number is only a business after all, and it must be based on credit at all times. It is subject to multiple supervisions by the government, industry, and depositors. It can still be It is important to maintain value, and I dare not issue indiscriminately. However, no matter how much money the imperial court issued, there was only one essentially one, which was to make up for financial shortcomings - using papers with no value to exchange for money from the people, in the end, it was a kind of plunder! The government was powerful and the people were easily abused. How could you curse the government's impulse to be abused?" "He couldn't help but laugh at himself." He didn't expect that he had become a monetary fetishist, but he had to admit that at this historical stage, this idea was the most suitable.

In fact, Zhang Juzheng has been persuaded by silence, but in his life, he has not been suppressed in full, so he continues to speak out: "This is not difficult. I just need to estimate the use of the world in advance and agree on the number of money to make. Once the number is printed, it will stop immediately. After twenty or thirty years, it will be added, and it will still be the same as the old style and will not change the law..."

After saying that, he also realized that this method was pale and powerless. Sure enough, silence was also made popular by his strong limbs, and retorted mercilessly: "The Song, Jin, and Yuan Dynasty's money" did not fail to use it enough to stop it! But in the end they were all over-issued. Why? It is because the use of the world is different from the use of the country..." The reason is very simple. The use of the world is to say that the amount of money is sufficient for the society to circulate, and it has nothing to do with whether the treasury is short of money. Just like in later generations, although the Central Bank is a banknote issuing institution, you cannot say that all these money belong to it.

"If the country encounters a financial crisis...just now," normal taxes cannot satisfy the country, the court will inevitably punish the people. The method of punishing the people is the most concealed and quick, and will not trigger conflicts soon. I am afraid that even Taiyue, you have no other choice in the face of this situation. However, even if the increase in money is plunderstood for the public, it will depreciate the money and still be insufficient for the country. It will also hurt the people's hearts and losses, which is like drinking poison to quench thirst..."

Zhang Juzheng was speechless. After a while, he nodded slowly and said, "Okay, you won, I can put this reform aside..."

"A wise move..." Silent praises.

"But I have a condition..." Zhang Juzhengdao.

"Please talk..." said silently.

"Since the banknotes have the function of banknotes, they cannot be separated from the supervision of the court." Zhang Juzheng said firmly: "I request that the bill number that is issued to the bill number and the Ministry of Revenue will be sent to the Ministry of Revenue to supervise. The Ministry of Revenue will ensure that it does not interfere with the normal operation of the bill number, but must grasp the amount of bank notes and reserved silver" and can express opinions and suggestions on this..." Obviously, he had already expected various possibilities and knew how to deal with it.

This made Chen Si a little bit miserable. Huilianhao’s reserve ratio and the specific number of bank bonds are all big secrets. How can the court easily know it? So he said: "I can’t promise you this for them. Huilianhao is not my subordinate, and I am even more unfamiliar with the Ring of Age..."

"Don't tell lies in front of the real person." Zhang Juzheng said in a deep voice: "You don't need to worry about the day and the sun." Huilian will definitely listen to you..."

I knew silently that this step was not allowed to be given up. Since he said that the bank account was under the supervision of the government, it was reasonable for him to send someone to supervise it, and he could not tolerate it... In fact, he had long been mentally prepared for the government account and the bill account, and he had to make a certain degree of compromise in order to reach an understanding on the passage of the bank account.

"As long as Riyilong agrees, I will convince Huilian....." He was not the kind of indecisive person, so he gave Zhang Juzheng a positive answer.

"Okay..." Zhang Juzheng said with a heavy emphasis: "I believe in you..."

"Ah..." Although an agreement was reached, Zhang Juzheng was still depressed.

Silent knew why he was not happy, and comforted softly: ", I know you have high hopes for currency reform, but the national treasury is empty, and it is hard for a good cook to cook without rice..."

"Yes..." Zhang Juzheng sighed and said tiredly: "The vassal kings do not pay taxes, officials do not pay taxes, and merchants do not pay taxes. The taxes of the court are all on the common people. The people are overwhelmed, so they can only sell the land to the vassal kings or officials, either farming for tenants or working in the factory... If this continues, the treasury will always be empty, and the people will be penniless. The day of the Ming Dynasty's demise is not far away..." The greater the hope, the greater the disappointment. No one can understand his disheartenedness now. He looked straight at the silent and said: "Is there really no way to deal with them?", "There is a way, but it is still impossible..." Silent said lightly.

"Is it a restructuring..." Zhang Juzheng's eyes flashed.

"Taiyue is careful about his words..." Silently, this is Zhang Juzheng's answer, but it is not necessarily his own.

"I know, some words are not what you should say at the moment," Zhang Juzheng's voice was full of hope. He clenched his fists tightly and said, "I am a praising myself for saving the times. I am always looking down on my own, but today, I really have to accept you. I am willing to make promises with you, work together to support the country, and turn the tide..." Just now, there are debates and negotiations with sincerity and love. Now, I am very interested in this transformation. In other words, Taiyue is very human!

Fortunately, Shen Mo was also very human. He moved to Zhang Juzheng's hand and said, "I will say the same thing, I will recommend Xuanyuan with my blood! Uncle, you and I will be comrades from now on!" After saying that, he thought to himself, why are these words strange?

"My family..." Uncle Zhang burst into tears.

"Shu Zhi..."," said the words filled the eyes with tears.

How do you say this confession? It would be a bit unfair to them if they were false, but if anyone took it all, they would wait to be used as a gun by the other party.

The two of them felt chills in their hearts, but they both sat back on their seats as if nothing had happened. Zhang Juzheng continued: "Even if the currency system does not change for the time being, other reforms are urgent. The administration of the government must be refreshed, tax laws must be reformed, and industrial and commercial systems...all parties are imminent..."

Nodded silently, and he said that.

"But the court has been trapped in internal friction for a long time. People fight with each other, and they have endless fun. They regard political affairs as tools of struggle..." Zhang Juzheng said heartbrokenly: "As a result, they form cliques, party members fight against differences, shirk responsibility, and people are overdoing things, allowing those with ambition to waste their minds and make useless people have a place... I should have had a deep understanding of the past two years, right?" He nodded silently and helplessly. Since he came back from the south, he has made no achievements. Even if he became a minister, he still can't do anything and wasted all his great time. He felt distressed when he thought about it.

"If we don't change, our ambitions will sooner or later be eliminated! If nothing can be achieved, we will watch the day of the country's destruction! What a shame it would be for us..." Zhang Juzheng's voice was low, but he still rolled like thunder: "We can't continue like this. We must end these meaningless internal frictions and let this country "take the path it should take..."

Silence was filled with fear.
Chapter completed!