Chapter 61: See Wang Yue

When Wang Yue saw Zhu Qizhen, it was when Zhu Qizhen was resting on the boat at night.

The reason why Zhu Qizhen couldn't see Wang Yue during the day was because Wang Yue's qualifications were not enough.

Although according to Zhu Qizhen's meaning, after Wang Yue finishes these things in Jiangnan, he will be promoted to Shaofu Cheng, and he can be regarded as an important minister in the same sequence as Jiuqing.

But Wang Yue was not born in the imperial examination. Nature suffers from discrimination.

Zhu Qizhen doesn't care about this kind of etiquette, but many ministers care very much, and it is regarded as a major festival of etiquette, so Zhu Qizhen does not dwell on these things.

So before Zhu Qizhen fell asleep, he met Wang Yue.

Zhu Qizhen asked Wang Yuedao: "What happened to the embezzlement of eight million taels from Nanjing?" ”

Wang Yue said: "Your Majesty, there is no problem at all. ”

To tell the truth, Wang Yue dared to embezzle eight million taels from Nanjing at once, which really frightened Zhu Qizhen.

How could Zhu Qizhen not know that there were too many funds lying on Shaofu Bank.

Shaofu Bank is now mainly engaged in remote deposits and withdrawals, and the exchange of gold, silver and copper coins. As for the amount of loans, it is not much. This is still a loan that Wang Yue gave out with his status among the Hui merchants.

It's not that no one is taking out loans in this era.

As mentioned earlier, the interest rate is very high in this era. Even if there are repeated orders from the imperial court that the interest cannot exceed the principal, etc., many times it cannot be limited to the crazy usury below.

However, even so, the landlords lent a lot to the tenants, and the gentry lent to the common people, but if they were to do business, they borrowed a lot at once, but very little.

Even if there is, it's in the circle of each other.

Because even in later generations, there are still a lot of bad debts for those who release money, and in this era, it is a businessman who travels south and north, with the traffic conditions of this era, as long as you run, who can find it?

Only in his own small circle can he be willing to lend.

Since it is unlikely that a large amount of money will be lent in large quantities, then the same thing will have little or no interest. A sum of money from Nanjing and Beijing, to stay in the account for a period of time. There is also a handling fee.

Some people even find it inconvenient to make large transactions on behalf of money. Just let the money stay in the Shaofu account, and when it is needed, you will come back to take it. There are even some people who simply trade at Shaofu Bank.

It's also easy to access.

Of course, the latter is not yet mainstream.

And this money is the money that is deposited in the Shaofu account.

Nanjing, as the political center of the south of the Ming Dynasty, is also a big city in the south second only to Suzhou, and naturally precipitates a large amount of silver taels on the books, even a little more than Beijing.

After all, geographically speaking, Beijing is still a little too northern.

Nanjing, on the other hand, sits on the Yangtze River and looks at the canal. Links. Almost in the center of the Daming Waterway, Nanjing's books have precipitated funds, almost the most in the country.

Zhu Qizhen is not unaware that the money here can be temporarily embezzled. But because of the bankruptcy of Daming Baobank, Zhu Qizhen is naturally extremely cautious about this kind of financial matter.

It's just that he never thought that Wang Yue would already cut first and then play.

Zhu Qizhen was still not at ease, and asked Wang Yue to bring the accounts, and he asked Huai En to carefully reconcile the accounts with him, so he was relieved, and he immediately said to Wang Yue: "Wang Qing, I have high hopes for the bank. Do as little as possible when it comes to risky things. Zhu Qizhen immediately changed his words and said: "However, you can't waste food because of choking, it is not a waste for a large amount of money to fall on the account of Shaofu, you also draw up a charter and see how the money in Shaofu should be used, so that there is no risk." ”

"Remember, the most important thing is the risk, don't be like the Southern Song Dynasty, and go to the former dynasty Ahma."

After Wang Yue heard this, his heart suddenly became excited, and he immediately saluted and said, "The minister must remember His Majesty's words. ”

Wang Yue has always regarded himself as a Confucian scholar, and he has naturally read the classics and history.

Naturally, I also know what kind of characters Jia Yidao and Ahma are. Not to mention, the Ming Dynasty is only more than 100 years away from the previous dynasty. Speaking of which, these characters are as if we are talking about Zeng Guofan Zuo Zongtang in our time. Many things are still circulating, and even more are known than people of our time.

Jia Rudao was the last prime minister of the Southern Song Dynasty and was known as a traitor, but although he could not save the decline of the Southern Song Dynasty, he was actually very capable.

However, the failure of Jia Yidao and even the Southern Song Dynasty stemmed from the bankruptcy of the financial system. Jia Rudao's move to make the Southern Song Dynasty lose the hearts of the people is the Gongtian Law, that is, to discover paper money to sell land, and then use the land as the basis and then discover paper money, which is actually a matter of empty gloves and white wolves.

The Song Dynasty has always suppressed military generals in terms of status, but they are tolerant in terms of wealth. But Jia Rudao did this, but he offended a large number of generals at once.

However, Jia Rudao did this because the Southern Song Dynasty had to make this decision in the face of strong military pressure from the Yuan Dynasty.

It's just that in the end, Jia Nidao's last effort led an army of 130,000 to defeat the Yangtze River, and Jia Nidao was killed in exile.

Ahma, on the other hand, was Kublai Khan's wealthy minister.

He also issued paper money and collected a large amount of money for the military expenses of the Yuan Dynasty. made a lot of complaints, let the prince Zhenjin and the ministers assassinate him halfway, and finally Kublai Khan had to be convicted.

Neither of them ended well.

But I have to admit that both of them were first-rate people at the time.

Wang Yue has a deep inferiority complex in his heart.

It is

Inferiority above the name of the family. It's like a graduate of a third-rate university who enters the world's top companies, facing a large number of Haval and Cambridge graduates, he must have an idea in his heart to prove himself and prove that he is not worse than them.

Now Zhu Qizhen's words are actually hinting at Wang Yue that he has the idea of relaunching the treasure banknote. And he will be the one who will take on this in the future.

Such an opportunity to preside over the financial power of the Ming Dynasty, even if it is risky, is something that Wang Yue has never thought of.

Zhu Qizhen nodded, and swept this matter over.

Although Zhu Qizhen has determined the money system of the Ming Dynasty as a composite system of silver coins and copper coins, Zhu Qizhen has always believed that under the economic development of the Ming Dynasty, the future Ming Dynasty will definitely need paper money.

However, Zhu Qizhen had no idea about restarting the Daming Treasure Banknote, after all, the credit bankruptcy of the Daming Treasure Banknote has made many people feel uneasy.

Zhu Qizhen is now implementing it, which is naturally half the effort.

It's just an idle hand. If there is a financial crisis, it may be able to be used, and if everything goes well, it will not hurt to let this matter go, and perhaps the charter formulated by Wang Yue can only be left to his descendants to use.

All that can be implemented now is a silver ticket, and there is still a long way to go before the real currency is realized.

Zhu Qizhen shifted the topic to the situation in Jiangnan and said: "You have also been in Jiangnan for a year, have you figured out the bottom of Jiangnan carefully?" ”

Wang Yue said: "I have figured it out. Jiangnan is rich in the world, the foundation is very thick, since His Majesty Chi factory ban, all prefectures and counties in Jiangnan have been built, and there are thousands of large and small ones. The number of hired workers ranges from one million to two million. The exact number of ministers has not yet been clarified. It's just that the minister expanded Jiangnan weaving and ate most of the Xu family's industry, and now there are about 100,000 workers under the Jiangnan Weaving Bureau. Most of them are women. ”

"The four mansions in Jiangnan are all over the world, and there is absolutely no problem. Even in the south of the Yangtze River, the price of silver has risen sharply in recent years, and there are signs of a silver shortage. ”

Zhu Qizhen said: "'Jiangnan is good, and the scenery is old. The sunrise river flowers are red, and the spring river is as green as blue. Can you not remember Jiangnan? 'What a Jiangnan. ”

In order to solve the problem of silver shortage, Zhu Qizhen has many measures, such as the introduction of a large amount of silver from Japan, at least two or three million taels per year, and at most five million taels, and after the opening of the mining ban in the Ming Dynasty, many silver mines have also been excavated. This part of the output is not very easy to count, because there is a large amount of tax evasion, if it is officially counted, then there is a problem, not to mention, there is a steady stream of silver from overseas.

Although there is no trade with Westerners, and silver mines in the Americas have not been explored, it does not mean that there is no silver flowing into the Ming Dynasty from overseas.