Then, I saw Ni Yuanlu, the Secretary of the Ministry of Revenue, coughed and went out to report: "Your Majesty, the salary of hundreds of officials and the military pay of the Beijing camp are all under the control of the Ministry of Revenue, and are distributed to the Royal Bank of the Ming Dynasty. I think it is inappropriate!"
Starting from the Zhengtong period of the Ming Dynasty, royal family members, palace yamen, etc. were all funded by the inner treasury. Others were funded by the Ministry of Revenue.
In theory, the proceeds from the raids on the officials should go to the Taicang warehouse under the jurisdiction of the Ministry of Household Affairs. However, due to the previous strength of Emperor Chongzhen, all the officials in the capital were in danger and did not dare to confront Emperor Chongzhen.
Later, after things got better, Emperor Chongzhen obviously used the proceeds from the confiscation to rebuild the Beijing camp, disband the original Beijing camp, train new Beijing camps, etc. At least most of the money was spent here.
Next, no one said anything.
However, now that Emperor Chongzhen has established this new bank, it is obvious that he wants to customize it. As the Minister of Revenue, Ni Yuanlu is a little anxious.
When other people heard this, they naturally refused to give all the benefits to the inner treasury. No, Liu Zongzhou, the censor of Zuodu, also coughed and came out of the queue and reported to Emperor Chongzhen: "Wei Chen thinks it is better to abolish the household department.
From now on, it will only be returned to the inner treasury!"
When Ni Yuanlu, who was also from Shaoxing Prefecture in Zhejiang Province, heard this, he immediately hit the snake and followed the stick and said: "Your Majesty, this humble minister please resign!"
No matter what, it is impossible to abolish the Ministry of Revenue. Emperor Chongzhen kept all the money in his own hands, which was not in line with the legal system.
Logically speaking, being treated like a general by these two ministers, he would be very unhappy and might lose his temper.
As other ministers watched, they saw that Emperor Chongzhen just pondered for a moment, and then said to Ni Yuanlu: "Ni Qing's words make sense. How about setting up the Daming Construction Bank and placing it under the Ministry of Accounts?"
As mentioned before, Ni Yuanlu was born in Shaoxing Prefecture, Zhejiang, so he was naturally quite knowledgeable about the economy. This is why he was appointed by Emperor Chongzhen as the Secretary of the Ministry of Household Affairs. Historically, he also put forward some good economic suggestions to Emperor Chongzhen.
, such as changing water transportation to sea transportation, etc., I still have some knowledge.
After the great victory in Jizhou, the imperial court sent out such a strong army. It is conceivable that the north will definitely settle down. In this way, everything is waiting to be done, and this money loan will definitely be a profitable thing. Moreover, it can be foreseen that brave
When the Wei camp and the Jing camp go south, even the Jianlu can be swept away, and the bandits will probably not be a problem. In this way, the world may be at peace, and the money lending business will be even more prosperous.
Emperor Chongzhen agreed with the Ministry of Accounts to open the Ming Dynasty Construction Bank to replace the Ming Dynasty Royal Bank, which was equivalent to winning a treasure trove for the Ministry of Accounts.
No, when Ni Yuanlu heard this, she was immediately overjoyed and quickly responded: "Your Majesty is wise!"
However, as soon as he finished speaking, Emperor Chongzhen said: "But I have a request."
When Ni Yuanlu heard this, he was slightly startled. When he came back to his senses, he didn't care, as long as the bank was in the hands of the account department. Thinking like this, he quickly replied: "Please give me your Majesty's permission!"
"The Royal Bank of the Ming Dynasty still needs to have the exclusive right to mint new coins. All other banks must deposit a sum of money with the Royal Bank of the Ming Dynasty, called a bank deposit. This bank deposit is used to protect the bank if it is unable to redeem the money.
Deposit the principal of the people. Or if the bank fails to do so, it will be refunded."
Emperor Chongzhen's words had never been heard before. These civil servants were stunned for a moment, feeling a bit unreasonable.
While they were thinking about it, Wang Chengen, the eunuch in charge of the ceremony, rolled his eyes and immediately echoed: "Long live the Lord's love for the people, I am so grateful and admired!"
"..." When the other officials heard this, they were all speechless. Looking at Wang Chengen's background, they all cursed him as a flatterer.
Originally, they must have opinions and objections to this unprecedented regulation. After all, if you take a large amount of money to the Royal Bank of Ming Dynasty, isn't it free? You, the emperor, may also embezzle it. What will you do if you run out of money?
?
Also, minting new coins is obviously the most profitable, and it only belongs to the Royal Bank of Ming Dynasty. This is also painful!
However, at this time, Wang Chengen threw out such a big hat first. If anyone opposed it, it would be against the emperor's love for the people. Who would object?
For a while, even Ni Yuanlu, the person involved, did not dare to object directly.
As a result, before this was over, Wang Chengen continued to play: "Your Majesty, it would not be in line with the rules if the salary, military pay, and military pay are all distributed by the Daming Construction Bank of the Ministry of Household Affairs. The slaves thought that the royal relatives were noble, and the twelve supervisors, four divisions, and eight bureaus
My salary and salary should be distributed by the Ming Dynasty Royal Bank!"
When Ni Yuanlu heard this, she became a little anxious. Just when she was about to object, she heard Emperor Chongzhen speak first: "I have thought about it. The Royal Bank of the Ming Dynasty is only responsible for minting coins and the reserves of each bank. It has the power to supervise and regulate other banks. Others.
Let’s forget about the business. But what Daban said is right. This money can’t go to the Construction Bank of the Ministry of Accounts, so we can set up another Daming Inner Palace Bank.”
After a pause, he added: "The Inner Palace Bank of the Ming Dynasty also needs to pay bank reserves to the Royal Bank of the Ming Dynasty. It is mainly for the palace and the royal family, nobles and clans. In short, like all banks, it also accepts the deposits of the Imperial Palace of the Ming Dynasty.
Bank jurisdiction.”
After hearing this, Ni Yuanlu finally couldn't help it and reported to Emperor Chongzhen: "Your Majesty, I think it would be more reasonable for the Account Department to do this matter that governs all banks, right?"
If he did not fight for this power, he would not be the Minister of the Ministry of Revenue.
When Chief Assistant He Fengsheng heard this, he also came out and echoed: "Your Majesty, I believe that it should really be under the jurisdiction of the Ministry of Household Affairs, so it is justified and there is no need to set up another yamen!"
Others heard this and wanted to agree. As a civil servant, it is natural that he does not want the imperial power to dominate.
However, at this time, Emperor Chongzhen suddenly darkened his face and shouted to them: "Do you know how to supervise a bank? Do you know how heavy this bank is? Do you know how ordinary banks and supervising banks need to operate? You guys
…”
He didn't even use the word "Qing" or "Qing", just "you", with a stern tone, and a series of questions. He didn't care whether he understood all the bank knowledge he learned from Liu Weichao, and said it loudly.
He has explained the word bank, which means bank, but in this series of questions, what are the concepts of reserves, liabilities, assets, capital liquidity, inflation, deflation, currency circulation, etc., he is
There was no explanation, and new terms were included in his series of questions, which made these courtiers speechless and did not know how to answer at all!
In short, Emperor Chongzhen's question seemed a bit unfathomable in their eyes.
Although I don't understand it, it sounds very reasonable. It's like a newly enlightened schoolboy listening to famous scholars talking.
"...This total, called finance, is a new science related to the national economy and people's livelihood. It is the source of power for the resurgence of the Ming Dynasty. I ask you, who understands?" Emperor Chongzhen said this in one breath, finally paused, and then glanced at everyone
After taking a look, he said, "If anyone understands and can pass my test, I will give this to him!"
"..." Inside the main hall, it was quiet, very quiet.
They were all confused by Emperor Chongzhen. Who dares to speak out and understand this!
Seeing that they were silent, Emperor Chongzhen felt a little proud.
When they didn't speak, he continued to speak, looked at the Minister of Household Affairs and asked: "Ni Qing, have you read through the economics I gave you before?"
Liu Weichao gave Emperor Chongzhen textbooks on various subjects, including one volume, which was an elementary tutorial on finance. Emperor Chongzhen gave it to his Minister of Household Affairs.
When Ni Yuanlu heard this, her face turned red, and she immediately responded: "Your Majesty, I am very busy with my affairs, so I haven't had time to read this miscellaneous study!"
"Miscellaneous studies?" Emperor Chongzhen couldn't help but sneered when he heard this, and immediately asked: "The way to rejuvenate the country and secure the country is for miscellaneous studies? It is related to the money and food of the Ministry of Revenue, the national economy and the people's livelihood, is it miscellaneous studies? This finance is also
It is science, does it mean that science is also miscellaneous studies? I relied on this miscellaneous studies to generate money and strengthen the army, and I was able to achieve such a great victory and achieve the state of rejuvenation. Come on, tell me, what is miscellaneous studies? "
"..." Upon hearing this, Ni Yuanlu lowered her head and did not dare to look at Emperor Chongzhen.
Logically speaking, in addition to the Four Books and Five Classics, other such theories are miscellaneous studies.
However, Emperor Chongzhen's science was somewhat difficult for him to refute.
Because the benefits brought by this science can be seen, such as enriching the country and strengthening the army. Especially since we just defeated the invincible Jianlu, and it was a great victory among great victories!
Why couldn't we defeat Jianlu before?
It's not that we haven't trained new soldiers before. Xu Guangqi, Sun Yuanhua, Chen Xinjia, Li Banghua, etc. have all been trained or reorganized. There are also famous soldiers such as Sun Chuanting and Hong Chengchou. Even if they mobilize the best of the country, they still can't defeat Jianlu.
However, Emperor Chongzhen's new learning achieved such a huge victory in less than a year, which suddenly brought about a big turnaround for the Ming Dynasty's precarious situation.
In this context, who dares to deny the power and usefulness of science?
Especially nowadays, people including Ni Yuanlu know nothing about science. Even if they want to refute, they don’t know where to start.
In this way, Emperor Chongzhen immediately stopped him!
Of course, if today's remarks were made a year ago, these civil servants would definitely have denounced them if they had never seen the benefits brought by science.
This is what the saying goes: Facts speak louder than words!
The way of science is placed in front of them, and any great principles will pale in comparison!
Emperor Chongzhen took advantage of the great victory in Jizhou and forcibly pushed out the financial policies that Liu Weichao had planned for him.
Seeing these ministers who were a little confused and retreated a little wilted, Emperor Chongzhen was in a very good mood.
But there was still something to do, so he called Wang Chengen.