Zhu Yuanzhang raised his eyebrows, as the saying goes, don't stretch out your hand and don't hit a smiling person, not to mention that he is here to send money, Liu Chun, this kid, can run the bank in a short period of time, which can be regarded as a skill, and there are not many courtiers who are so capable in the court.

"Come here, tell me about it!" Zhu Yuanzhang's tone softened a lot.

"Yes!"

Liu Chun respectfully sent the account to Zhu Yuanzhang, "Your Majesty, the bank has currently absorbed more than 1.3 million yuan in deposits, and exchanged nearly 700,000 yuan in new banknotes, as for the reserves, there is no loss, and there is a slight increase......

What has been added is what the blue jade has deposited......

Zhu Yuanzhang frowned, "I have absorbed these deposits, but I have to pay interest, I calculated, you are losing money now, where will you get your income?" Could it be that you are using these savings as taxes to fool me? ”

Lao Zhu's financial level is also rising...... Liu Chun hurriedly waved his hand, "Your Majesty, the deposit can't be used casually...... This time, the minister handed over to His Majesty the income of the commercial tax. ”

"Business tax? Commercial tax on banks? Aren't you making no money? Where does the tax come from? "Lao Zhu is afraid that Liu Chun will turn the bank into a tool to exploit the people and knock out the bones and suck the marrow, and those loyal people can't be hurt!

"That's right, Daning's goods are linked to the bank, and they must be purchased with new banknotes...... Your Majesty also knows that the ministers have always been genuine, and the children are not deceived, and the trade is fair......"

Lao Zhu coughed lightly, Liu Chun quickly stopped boasting, and said: "At present, many people who have exchanged new banknotes in the bank find that the goods are cheap, such as a kitchen knife, which is only 25 Wen, which is more than 10 Wen cheaper than the market, and many of them bought it, and not only used it themselves, but also took it out and sold it to those who did not have a deposit to exchange money. ”

Zhu Yuanzhang was not angry, but laughed loudly: "Okay! That's how it should be! The people's field of praise is naturally beneficial, and I will not let go of those who resist the new banknotes! ”

Lao Zhu was vigilant again: "The business tax you said won't be collected from these ordinary people, right?" ”

"No, no, no!" Liu Chun explained: "For ordinary small transactions, the tax is too small, and the collection may not be enough for labor costs...... It's a big deal! ”

"Big deals?"

"Well, it's those soybeans, canola, iron ingots and so on." "The bank provides guarantees to both parties to the transaction, and their accounts pass through the bank, which can ensure the safety of funds...... For example, if someone buys soybeans and he deposits the money in the bank, the bank will credit the seller's account after five days, and during these five days, if there is a problem with the soybeans, he can propose to freeze the payment...... In this way, the interests of the buyer can be protected to the greatest extent. ”

Zhu Yuanzhang snorted with his nose, "It is worthy of being a businessman, and I think so thoughtfully for them!" ”

Liu Chun smiled, "Your Majesty, only when you see convenience, businessmen are willing to trade in the bank...... And they transact through the bank, and the accounts are in front of the bank...... According to the thirty tax one, the withholding tax is easy. ”

Yoo Chun touched on a key ...... Taxation often has to consider operability...... For example, it has been widely criticized for not collecting commercial taxes in the DPRK...... In fact, the Ming Dynasty also had commercial taxes, not much, thirty taxes one, but the bad people have it!

The crux of the matter is that you can't get it!

Where the peasants' land is placed, it is clear how much grain they produce in a year.

Merchants are not good, they trade every day, how much is in the account, how much is out, how to determine the amount of taxes, all of them are extremely complicated.

According to the establishment of the yamen in previous dynasties, even if the personnel of the household department are expanded by a hundred times, they may not be able to be used.

Therefore, most of the ancient people focused on a few major necessities of life, such as salt, iron, copperware, koji, tea, and so on...... Implement a monopoly, at most charge tolls, as for what business tax, value-added tax, don't even think about it.

On the other hand, if it is necessary to expropriate, there will be a situation where officials will take the opportunity to exploit the people...... For example, in the seventh year of Hongwu, the Taxation Department of Zhangde Prefecture taxed tea, dates, and food and drink used by the common people...... annoyed Zhu Yuanzhang all of a sudden, and Lao Zhu was furious: "In ancient times, it was said that the ministers who gathered were more than thieves, and such officials were also!" ”

The tax collector was immediately arrested and imprisoned, and severely punished...... Later, Lao Zhu issued a decree that from now on, such as the military and civilians marrying, chasing gifts during the funeral season, dyeing and weaving cloth and buying taxed things, or ships and vehicles, transporting their own goods and agricultural utensils, small people everywhere carry vegetables, small people everywhere sell miscellaneous fish in streams and rivers, folk homes use miscellaneous fruits, non-peddlers, and folk commonly used bamboo, cattail, utensils and commonly used sundries, daily food, are all tax-free......

Through Lao Zhu's will, it can be seen that Emperor Hongwu's attitude towards commercial taxes.

Ordinary people, weaving, fishing, weaving straw sandals, mats, selling red dates, pears, vegetables...... These things are not allowed to be taxed.

In other words, it is not allowed to disturb the people, and it is not allowed to fish the people.

The commercial tax was mainly concentrated on salt, iron, wealthy merchants, and workshops...... It is typical to grasp the big and let go of the small, which is very reasonable.

It's just that because of the ability and conduct of the officials, many big fish that should be caught can't be caught...... Of course, in the middle and late Ming Dynasty, the situation was even worse, and instead of collecting taxes, he would be regarded as a good official who treated the "people" well, which was completely contrary to Zhu Yuanzhang's original intention......

Nowadays, the emergence of banks has provided the possibility of improving the commercial tax network.

"Your Majesty, at present, the minister has collected three thousand taels of commercial tax in advance...... But he didn't know what to do, so he came to ask His Majesty for advice. ”

"Three thousand is too little, if only it could be several times more."

Lao Zhu muttered to himself.

It stands to reason that collecting business taxes is of course a good thing, and the more the better.

Old Judhu wished that every merchant could contribute to his treasury...... But now the problem is that many big businessmen do not accept banks, they are not willing to deposit their money in them.

The little tax that Liu Chun was able to collect was all obtained by the purchase and sale of Daning commodities...... Just imagine, if all the large transactions in the entire capital were taxed, what a terrifying figure it would be!

When the question arises, how do you get a merchant to accept the bank?

Is it a decree of persecution?

Whoever does not cooperate will be severely punished, will be severely punished, will have their homes raided, and be killed...... Lao Zhu didn't think about it, but his intuition told him that he might not be able to do it!

"Prince, what do you think?"

Zhu Biao hurriedly said: "Father, it is a good thing to be able to collect commercial taxes, and it is even more gratifying that the bank can help enrich the treasury." It's just that Erchen hasn't figured out why the merchant is reluctant to accept the bank......"

Can Zhu Biao not know? It's just that he didn't dare to say it.

Lao Zhu took a deep breath, "Liu Chun, do you know? ”

Liu Chun almost vomited blood, your son didn't dare to say it, how dare I say it!

"This ...... Foolishness! ”

"Humph!" Lao Zhu slapped the table angrily and roared angrily: "Didn't I just send a little more treasure money, what can I do?" How dare they be dissatisfied! Without me, they all serve as slaves to the Tartars! A bunch of ungrateful brutes! Rats! Ordinary people can still feel the grace of heaven, these people are so hateful...... Believe it or not, I immediately issued an order to scrap all the old treasure money! Turn the treasure money in their hands into a pile of waste paper! ”

This Hongwu Emperor accidentally leaked trade secrets...... There is a real possibility that his treasure money will turn into waste paper!

If this is the case, will the new currency also follow the old path?

No one can say!

Don't look at Lan Yu getting the reward of the imperial pen, many people in private say that Lan Yu is a fool and exposes his family property, and the emperor will deal with you in the future, you don't need to copy your house at all, just take the bank's account book and arrest people.

Things go back to the problem discussed by Liu Chun and Zhu Yuanzhang at the beginning, a good currency must be convenient, safe, and maintain value, and the new currency is convenient enough.

What's interesting is that the biggest threat to currency security is actually Zhu Yuanzhang himself!

It's really no wonder that Liu Chun didn't dare to talk to Lao Zhu He...... If he had broken up the matter at the beginning and made it clear, Zhu Yuanzhang might not have agreed to open a bank.

But now that I'm halfway there, I'm almost at the door, and the money has been invested, and there will be business taxes there right away!

Zhu Yuanzhang wanted to refuse, but he couldn't.

"Yoo Chun!"

Emperor Hongwu was furious in an instant, like a lion, striding and rushing in front of him, the two of them were less than a foot apart, the pores on their faces were clearly visible, and every hair of Lao Zhu said I was angry!

"You...... You ......" Zhu Yuanzhang held back for a long time, but he didn't say anything, after all, it was too embarrassing to admit that he was buried by a kid.

"You say, what should I do to win the trust of the merchants?"

Liu Chun swallowed and spitted, he was under the same pressure as Mount Tai!

In order to earn some money, am I easy!

The merchants of the entire Ming Dynasty should be grateful to me!

"Your Majesty...... The minister felt that the new currency should be issued with a promise that the value of the new currency would be basically stable, and that it would be pegged to gold and silver, and that there would be no indiscriminate issuance of currency...... At the same time, at the same time, it is necessary to authorize the bank to keep the depositor confidential! ”

"What?" Zhu Yuanzhang gritted his teeth and said: "If someone embezzles the money obtained by bending the law and deposits it in the bank, should it be kept secret?" ”

"This ...... Should the three legal divisions issue official documents, and then the bank will cooperate...... Only in this way can we reassure people's hearts! ”

"Hmm!" Zhu Yuanzhang's throat made a buzzing sound, like a dragon roaring and a tiger roaring...... Liu Chun's forehead kept sweating, and he saw that he was exhausted, whether it was a great success or a failure, just in Lao Zhu's thoughts...... Of course, his life and death are also in between this thought......