Hey, how dare you say it!

Under normal circumstances, sensible officials would not dare to talk nonsense in such a situation, let alone put forward their own 'shallow opinions', and they would not even dare to say whether there were any problems.

Even if Chen Mu is allowed to listen, in fact, neither Zhang Juzheng nor Wang Guoguang expects him to be able to say any high opinions, and if he can meditate and say two sentences, he will be regarded as a talented and learned practical talent.

As a result, no one expected that Chen Mu would not only point out the problems he thought he thought, but also propose solutions.

Zhang Juzheng was noncommittal and ignored Chen Mu, but Wang Guoguang was very interested in what he said, and repeated: "Bank? ”

This is not a new word, but it deviates from the meaning of the bank that Chen Mu wants to express, in this era, the word bank is mostly used to express the craftsmanship of silver shops, referring to industries, such as wood shops, iron shops, horse shops, and banks, so Wang Guoguang really does not understand what this 'bank' has to do with the economic collapse caused by the curbing of the imperial court's money law.

"Yes, the bank, or the bank, but the national bank, which will be mentioned below, is called the national bank." Chen Mu pondered for a while, but still said his intention, and said: "The imperial court will issue banknotes." ”

As Chen Mu expected, when it came to paper money, Zhang Juzheng and Wang Guoguang leaned back on the chair at the same time, shook their heads slightly, and the nasolabial folds on their faces drooped down, Wang Guoguang said: "The treasure money has long been extinct, and now the issuance of paper money is just another money law chaos." ”

"Who in the imperial court doesn't know, the paper money that Jing Haibo said is good, easy to transport, not to mention, it only needs to be printed to be used as money, and the imperial court can be printed if the silver salary is insufficient, and there is no need to bear the infamy of adding endowments."

Wang Guoguang was born in Zhengde seven years, when he was born, the treasure banknote has long lost its circulation value in the people, no one uses it, but at that time the treasure money is not difficult to see, and when the first year of Jiajing officially stopped circulation, now the treasure money can only be seen in the hands of those who collect antiques.

"Treasure money is good, but the disadvantages of indiscriminate issuance and overissuance are difficult to avoid. The old man didn't think about reopening the treasure banknote, but this money method is not an easy task - your Western minister of the Beiyang Yamen, Mr. Shi Ting, did not play the handbook in the past, minted copper coins to solve the urgent need, and wanted to mint tens of thousands of copper coins, and the old man was also in the military department at that time, and in the end only minted 30 million pieces, teaching him to be obsessed. ”

Wang Guoguang shook his head slowly, and said: "Minting coins and printing money, these money laws are closely related to the income of the imperial court and the prices of the world. ”

The Mr. Shi Ting he said was Yin Zhengmao's number, Chen Mu nodded fiercely when he heard this, not to mention that he was angry, Mr. Yin had been rejected since his application for coinage, and he had been holding back his dream of making money for so many years, and now he has held back his skills to the currency war!

However, there is indeed no one who has been able to occupy a high position through internal competition, and Wang Guoguang has found the relationship between money and prices, but he doesn't want to think about reissuing banknotes.

"The old man once read the banknotes of the previous dynasty and found that the difference between the earlier treasure banknotes of the previous dynasty and our dynasty was only one point, when Dayuan had enough silver and silk. Song Shiwen Yan said that he would send 3 million guanzi and prepare 2 million guanzi; Shen Gai later advocated that as long as one of the copper coins and Jiaozi was stable, the other would not be greatly depreciated, and when the paper money was slightly depreciated, the paper would be purchased with money, and its depreciation would stop. ”

"People say that it is the law of all things, and those who are noble believe it."

"And no matter whether it was the Jiaozi, Qian Yin, and Huizi who used money as the preparation in the Song Dynasty, or the treasure banknotes prepared by silver and silk in the Yuan Dynasty, they all ended up indiscriminately opening the seal and misappropriating the reserve money when they encountered war, and the money law was so chaotic that the people were not able to live and eventually died - to the Emperor Taizu of our dynasty to issue money."

Wang Guoguang suddenly couldn't go on, he lowered his head slightly, pursed his dry lips, sighed softly, raised his head and simply jumped over this paragraph, with a solemn face, and said: "I have depreciated a thousand times in the past 60 years, and I have returned to the old way of using copper coins. ”

Chen Mu saw Wang Guoguang's embarrassment, and he also knew why Wang Guoguang was embarrassed, because Emperor Taizu did not prepare any reserves for the Daming treasure banknotes, gold, silver, copper coins, grain, nothing was prepared in the treasury, and the Daming treasure banknotes were purely authoritative issued currency at the beginning.

The decoupling of the dollar and gold was still a matter of the 20th century, and Zhu Yuanzhang used his personal prestige to do it 600 years ago, and it has been in circulation for hundreds of years.

"Pavilion Elder, Lord Ministry, there is a shortage of gold and silver in the issuance of treasure banknotes at the beginning of the dynasty, and we are not short of them now." Chen Mu was very proud when he said this, and said: "Not only is there no shortage, but the younger generations are also afraid that a huge amount of silver will flow into the country in the future, causing the depreciation of silver. One of the purposes of the Oriental Army's expedition to America was in the silver mines. ”

"Nowadays, the productivity of Daming has increased rapidly, and Nanyang has three markets of three million Dingkou in Java, Annam and Myanmar, counting more than 10 million countries, and these markets have belonged to our ......."

"Wait."

Zhang Juzheng, who had been silent, interrupted Chen Mu, turned up his palm and showed to Wang Guoguang, and said, "Tell the prince about productivity, market." ”

"Oh, good!" Chen Mu suspected that Zhang Juzheng didn't understand, but he didn't dare to ask, and said to Wang Guoguang in a good way: "Productivity, the ability to produce goods, in the past, there were manpower, animal power, and water power, a mechanic, rubbing, spinning, dyeing, weaving, it takes four or five months to weave a horse, and then there was a division of labor, some people specialize in rubbing cotton threads, and some people specialize in dyeing, and it only takes more than a month for this mechanic to weave a piece of cloth, which is the division of labor in the industry to make productivity progress." ”

"The national market is a market, or this mechanic, three pieces of cloth in the past year, and someone in the market collects it; Now the people in their neighboring villages can weave ten pieces of cloth a year, and the local price of cloth is low, no one buys it, and he can't sell it and stop weaving. Then a larger market is needed, and a traveling merchant needs to come to the door, collect his cloth every six months, pay taxes along the way, and sell it farther away. ”

"The mechanic earns money and builds a house to eat; The money earned by the traveling merchants, the payment of taxes and expenses, all of which drove local circulation, the government could also receive more taxes, and the imperial court could provide disaster relief, raise troops, train soldiers, and build water conservancy. ”

"Now there are steam engines, in a 100-household textile factory in Xiangshan, 20 steam engines drive 320 looms, as long as 80 mechanics, a year to produce more than 4,000 pieces of cotton cloth, the entire Xiangshan and the entire Guangzhou Prefecture are like this, productivity has been increased by four times, the local people can't sell so much cotton cloth, so they need a bigger market - overseas markets."

"The country of Java, which is the same as Luzon, has three million people because of the fertile volcanic soil on the island, but they don't even have a state, and hundreds of tribes of all sizes are fighting all year round; The customs of Annam are close to me, but they are poorer, and their land is fertile, and there are three million people; Burma is similar to Annam, it is also poor, the land is also fertile, and there are two or three million people, and there are a million scattered people in the Nanyang countries - all of them are dumping markets. ”

"Our merchants used to sell whatever they wanted, they were all short of it, and they would buy it."

Wang Guoguang frowned and asked, "Since the land is poor, what can you use to buy goods?" ”

"They are poor, but there are mines in some places, such as Luzon more gold and copper, Sulu more pearls, Annam, Burma more good iron, even if there is nothing, people are wealth, we use wood as currency, they will go to log; We use ore as currency, and they will mine; Even if they don't want these, they can grow rice and cotton for the imperial court. ”

"When these markets are saturated, there is a place called India in the west, and there are fewer people there than the Ming Dynasty, which is the business of Western ministers; In the east, North Korea and Japan are markets for more than 10 million people, but Japan and its culture are awkward, and they don't convince him and don't talk to us well - and the Ottomans and Europa countries are also poor ghosts. ”

"The world is full of Daming's market, and how much Daming can earn depends on how much Daming can make; How much Daming can make depends on how much Daming's productivity can be improved; The more the productivity of the Ming Dynasty increases, the richer the people and the more stable the country becomes. ”

"As for the banks, the imperial court can use many years to try out, first with the government circulation, re-establish credit, and then allow the people to enter. For example, if a bank is set up in the provincial capital, the people can pay their taxes in their own colors, but if they can't, they will be exchanged for silver taels by the bank, and the silver taels will be collected by the government and then deposited in the local bank, and the Beijing Bank will regulate and transport the silver taels and distribute the bills to the yamen of the local banks......"

There is no need for Chen Mu to say anything about the back, Zhang Juzheng raised his palm to signal him to stop, leaned back and closed his eyes, and only opened his eyes after a long time and looked at Wang Guoguang.

Wang Guoguang's eyes were blank, and he didn't know which market he thought of, and he came back to his senses when he saw Zhang Juzheng looking over, "The future is terrifying - but the old man thinks that paper money has to be considered in the long run, and this law is not in gold, silver and copper coins, and it is difficult to abide by the law in the imperial court and maintain credit." ”

"And whether it can be done or not, I don't know when I don't encounter something, and I don't know if I can do it now, but I don't know if it's twenty or thirty years later."

"But Jing Haibo's cloud productivity, market? Promising! ”

It's a monster.

In the mansion, the two important ministers of the empire who were born as jinshi looked at each other, and they all hung their eyes on the screen painted with a map of the world - decades of sage books, the relationship between the clans and vassals of the Central Plains Dynasty for thousands of years, listening to his words, reading in vain.