423 Loan accidents
Although Emperor Chongzhen had already explained in the previous time, triumph was a common thing, and there was no need to greet it with labor. However, Empress Zhou and the prince of Jianguo still took the civil and military officials out of the city.
The people of Jingshi, of course, are also willing to join in this festive excitement, and in the end, it is the same as the last triumph from Liaodong, and most of the people in Jingshi have gone out of the city to welcome the triumph of Wang Shi.
When the emperor set out on his expedition, they felt that the enemy on the steppe was too difficult to deal with. Although I think that with the emperor's wisdom and martial arts, I will definitely be able to defeat them, but if you want to annihilate them completely, even those famous generals who founded the country, and later Emperor Chengzu, have not done it, so can the emperor do it?
Now of course they know the result, and the emperor has done it!
At this time, the Chinese military officials of the DPRK and the people of Beijing all felt that the emperor was now capable of leading the army to fight, and he could win any kind of battle! Throughout the ages, it is estimated that few emperors are as powerful as the current emperor in commanding troops and fighting!
Coming to such a conclusion, as the emperor's people, of course, they are also extremely proud. Not only was he not numb because he had seen too much triumph, but he was even more enthusiastic and emotional.
When Emperor Chongzhen led the army to appear in the field of vision of the people of Beijing, he had already knelt down and shouted in unison. The sound of this voice echoed in the sky above Jingshi again.
With such a grand and large-scale welcoming ceremony, the soldiers of the three battalions under the jurisdiction of the Imperial Horse Supervisor are already a little used to it. As long as you follow the emperor on the expedition, you can enjoy this honor.
However, the 60,000 soldiers who had just been selected into the Beijing camp from the border towns of Qin and Jin were the first time I saw them. Not to mention ordinary soldiers, even Wu Sangui, the general soldier of the reinforcement and suppression, in the face of such a grand welcoming ceremony, it was also enthusiastic, and he felt that he was fighting outside, and it was already worth it to return with this honor!
All eyes on it! This is the glory that a good man should have!
However, at the front of the team, behind the royal car, there were more than 1,000 soldiers of the Ming army, all holding an urn in their hands. Facing the congratulations of the empress, the prince of the prison state, and the ministers, Emperor Chongzhen was not very happy, but turned his head to look at the urns, and said solemnly: "The Jianyu who were able to completely annihilate the Hetao and uproot the Urat and Chahar departments that were tigers were able to fight to the death, thanks to the desperate fighting of the soldiers." Look, they died on the battlefield in order to protect their families and defend the country, and for the peace of the northwest of the Ming Dynasty. ”
In war, how can there be immortals! When many people heard this, they were a little unimpressed, and when they wanted to speak to comfort the emperor, Emperor Chongzhen continued: "Behind every soldier who died in battle, there is a family of ordinary people who have lost their son, brother, brother, and even father; Although the imperial court had a little sympathy, it could never soothe their pain. They are all good men of the Ming Dynasty, without their contributions, other people will have to suffer from military disasters, how many people will be displaced for this, and they don't know if their wives and families are separated! ”
In the past few years, the land of Gyeonggi has been captured several times every few years, so the people of Gyeongshi also feel the pain of the military disaster.
At this time, hearing the emperor say this, many people took the matter of the Ming soldiers killed in battle, and agreed with the emperor's statement in their hearts, if all the Ming soldiers and soldiers could fight to the death with Jianyu, how could Jianyu still wreak havoc in the land of Gyeonggi? These soldiers who died in battle are indeed worthy of commendation and affirmation.
Emperor Chongzhen watched their expressions change, and he knew the bottom of his heart, so he named the first assistant of the Ming Dynasty and the Ministry of Works, and instructed the two of them on the spot: "I have made up my mind, build another Ming Loyal Martyrs' Shrine on the edge of the Taimiao, and all those who died for the Ming Dynasty, including the officials who died in the dead festival, the soldiers who died in battle, and the people, can get the name of the martyrs, enter the shrine to enjoy the incense of the people of the Ming Dynasty, and coexist with the country!" At the time of the festival, the prince led a hundred officials to pay tribute, and when there was no prince, the chief assistant led a hundred officials to pay tribute. ”
When Xue Guoguan and other civil and military officials heard this, they were all taken aback, this is equivalent to a small Taimiao. Even those who enter this martyr's shrine have to be in the name of the martyrs, and the prince or the chief assistant leads the civil and military officials to pay tribute, what a treatment!
However, the emperor made it clear that all those who died for the Ming Dynasty could enter the shrine to enjoy the incense, which was one more possible honor for all the Ming people. Although they feel that civilian officials should be treated the same as the big soldiers who died in battle, they feel a bit out of identity, how can this be the same?
However, when Emperor Chongzhen began to speak, he emphasized that "I have made up my mind", and his prestige is unprecedentedly high, so that these courtiers dare not disobey the emperor's will, especially at this time, when the triumph begins, before facing the ashes of the soldiers who died in battle, they really dare to say so, they feel that the emperor is iron-blooded, and if he is not careful, it will cause the emperor to be angry, and it will be unlucky.
Therefore, after Emperor Chongzhen finished speaking, none of the civil and military officials dared to raise objections here.
Of course, afterwards, they did some thinking about the details, and it was inevitable that the following people would die in battle and have a higher status than the martial arts.
For example, in this martyr's shrine, there is a special position, who is in the most conspicuous position or something, who is in the corner of the place, they can pay attention.
Of course, Emperor Chongzhen will not be so stubborn as to do everything according to his own will, and being able to take this step is already a lot of progress compared to before. This kind of thing has been deeply rooted in the hearts of the people, and it is not your own will that can really be changed. Making some appropriate concessions on small things is also a trick that an emperor's subordinates should master.
Of course, the establishment of the Martyrs' Shrine is not something that can be done in a single sentence, and there are still many things to do.
For example, how to be assessed as a martyr and enter the martyr's shrine, which needs to formulate a specific detailed rule, rather than relying on a vague death for the Ming Dynasty; The discussion of this detail alone will consume a lot of energy from the monarch and ministers.
Also, to build a martyr's shrine, ask for money! The treatment of loyal martyrs is different from others, and it must also cost more money, as well as the difference in status and reputation. These details are also for the monarch and ministers to discuss.
For these things, the civil and military officials can be said to have no experience at all.
However, Emperor Chongzhen's soul came from later generations, and there is something to refer to; For example, the assessment and treatment of martyrs, as well as the nameplate issued by the army to mark the Ming soldiers, so that even if the Ming soldiers died in battle, they would not be confused, and the soldiers could have the honor.
Therefore, it can be said that everything about the Martyrs' Shrine was carried out under the leadership of Emperor Chongzhen, and this was also the first thing Emperor Chongzhen did after returning to Beijing in triumph.
Busy with this matter, Emperor Chongzhen naturally has to pay attention to other things related to this matter. For example, the issue of the imperial court's fiscal revenue.
In other aspects, it was in line with his expectations, but there was one thing that was beyond Emperor Chongzhen's expectations.
The provincial branches of Daming Royal Bank, after several years of promotion, have been set up. However, in terms of deposits and loans, it is not very ideal, even in places where the commercial atmosphere in Jiangnan is relatively strong.
For this reason, Emperor Chongzhen carefully looked through the relevant information, and finally found that the conditions of the loan were limited, because he was afraid that the loan would not be recovered and would become a dead debt, so it was set relatively high, and the value of the collateral should be higher than the principal of the loan. This makes many private businessmen hesitate, for fear that after the loan is lost, the collateral will be gone.
This is true even here in Jiangnan, let alone other places.
As a result, Emperor Chongzhen convened a group of ministers in the Wenhua Palace, and asked them to think about how to deal with this matter.
In the opening remarks, Emperor Chongzhen said directly and simply: "The money in the bank must not lie still." Only by letting him flow and letting the money create more money is in line with my original intention of setting up the bank. But now, even in the Jiangnan area, there are very few people who take out loans, what do you think? ”
What he meant by this was not to make more interest rate differentials, but that people would be able to create more jobs by taking out loans to do business, and some people would become rich first.
These officials who came to discuss the matter were naturally notified in advance and knew that they were going to talk about it, so they were also prepared, and Xue Guoguan, the first assistant, was the first to come out and say: "Your Majesty, the people dare not take loans from the bank, but they are really worried that when they can't afford to pay it back, the collateral will be confiscated by the government, so they are afraid. Weichen thinks that if the collateral is not so valuable, maybe some people will try it? ”
In fact, there is another reason, which they didn't dare to say.
If there is no supervision by the local capital procuratorate and the supervision of the factory guards, the local gentry will definitely be happy to take out a loan, and with their status, it will not be so easy for the money to reach their pockets and return it to the bank.
Without these powerful local gentry to take out loans, ordinary people naturally have a sense of fear in the face of the banks opened by the imperial court. Moreover, their vision is limited, the risks they bear are limited, and it is understandable that various reasons add up to the current situation.
Wang Chengen, the governor of Dongchang, also followed closely and reported to Emperor Chongzhen: "Your Majesty, Dongchang has received news from some provinces that some local gentry are secretly obstructing the people from lending money to the branches of the Daming Royal Bank. It's just that they influence through private compliance means, so the local officials have not taken measures. Or would the slaves and maids let them go and beat them, or catch a few of them and kill the chickens and monkeys? ”
has been sitting in the position of the commander of Dongchang for almost two years, and Wang Chengen's words unconsciously have a bit of ruthlessness.
When Emperor Chongzhen heard this, he frowned and asked, "What kind of compliance means?" ”
As soon as Wang Chengen heard this, he immediately told the news reported by his subordinates in public.
In fact, he had already played it to Emperor Chongzhen alone, but Emperor Chongzhen felt that it was necessary to say this matter again on a formal occasion, that is, to these courtiers.
In today's era, depositing money to the bank, it is a custody fee, and it is rarely said that there will be interest to the depositor. In addition, the interest on the loans of the bank, including the loans of the private sector, is from usury.
However, since the establishment of the provincial branches of the Daming Royal Bank, not only do you not need to pay a custodian fee, but also give interest; The interest on the loan, although higher than the interest on the deposit, is definitely much lower than the interest on the previous bank loans, not to mention the interest on those private loans.
In this way, the establishment of the provincial branches of the Daming Royal Bank has moved the interests of these people. And these money banks and private money lenders are basically rich and powerful local gentry backgrounds. Therefore, they naturally don't want their business to be robbed, so they want to use means to stop it.
If it was before, in the chaotic times at the end of the Ming Dynasty, the majesty of the imperial court had long been gone, and they wanted to bring down the branch of the Ming Royal Bank, some of them had the means, and they would not have scruples in acting.
However, in the past few years, the situation in the turbulent times of the Ming Dynasty has been fundamentally contained. First of all, the emperor drove the royal expedition in person, wiped out all the thieves, and quelled the rebellion of the thieves; After that, the emperor decreed that the country's disaster relief should be given the most important attention, and countless people were saved. Naturally, the people were grateful to the imperial court, and the prestige of the government began to take root again in the hearts of the people.
In addition, the imperial court continued to achieve great victories, and the emperor thundered and severely punished officials who violated laws and disciplines, just after the Changshu Rebellion, the current emperor dismissed or punished more than 100 local officials in one go. It can be seen from this that the emperor's attitude towards the local area is very harsh. Those who dare to make trouble, even if they bring public opinion to oppose the imperial court, will not end well.
All this makes these people whose interests are damaged dare not easily provoke the majesty of the imperial court. However, they must not be reconciled, so they thought of other tricks.
For example, in a clan, if someone wants to go to the bank for a loan, the clan will speak, the loan is okay, and it will not be blocked, but in the future, it will not be a member of the clan, or the interests within the clan will be weakened, so how many people dare to go to the bank for a loan?
Also, if they have business dealings on weekdays, they can use this kind of business dealings to prevent others from going to the bank for loans.
As long as you have the heart, you can definitely find a lot of compliance methods like this. There are absolutely very few people who can break through all kinds of restrictions and go to the bank for loans.
After Wang Chengen told him about the situation, he immediately said to Emperor Chongzhen murderously: "Your Majesty, these Diao people dare to go against the imperial court, and it is absolutely useful for slaves and maids to teach them to be people!" Some people just don't clean up! ”
Hearing this, Xue Guoguan and other civil officials were shocked when they heard this, if the emperor agreed, and the factory guards did not follow the rules, the consequences would be serious.
They thought so, and when they were about to stop it, Emperor Chongzhen had already spoken: "No, anyone, you have to do things according to me and the rules set by the Ming Dynasty." I reiterate this, including the factory guard, and we must not violate it! ”
When Xue Guoguan and the others heard this, they were overjoyed, it seemed that the emperor was still wise, and when they were about to speak, they heard Wang Chengen respond to Emperor Chongzhen: "Slaves and maids obey the order, but if this is the case, how can I help those people, and how can the bank loan be implemented?" ”
Wonderful Book House