When Wang Xian arrived at the East Palace, he saw that in addition to the crown prince, Yang Rong was also there, and he knew what was going to happen.

The prince didn't say anything polite to him, and directly presented the sorrow on his face to Wang Xian, and when he sat down, he said in a muffled voice: "Zhongde, Master Yang has brought a tricky task here. In fact, everyone knows that it is impossible for Zhu Zhanji not to report to the prince in advance of Yang Rong's will, but sometimes, a fig leaf is indispensable.

"Your Highness, please speak." Wang Xian nodded.

The crown prince looked at Yang Rong, and the latter revealed his mission and discernment. “…… The emperor's will is to let His Royal Highness the Crown Prince do his best to reorganize the banknote law in the capital, prohibit the people from using gold and silver, restore the value of the treasure banknotes, and let the treasure banknotes circulate again. ”

"With all due respect, how is this possible?" Wang Xian said speechlessly: "The Daming treasure banknote is already terminally ill, and it is just a matter of rectifying the banknote law, and prohibiting the people from using gold and silver...... It's really ......" He wanted to say, 'It's ridiculous,' but he felt it was inappropriate, so he changed his words: "I'm going to poke the hornet's nest." His Royal Highness the Crown Prince should think twice! ”

"Forbidding the people to use gold and silver is my ancestor system," Yang Rong sighed: "If the prince doesn't do this, some people will say that he doesn't respect his ancestors, which His Royal Highness the crown prince can't afford." ”

"Zhongde, Master Yang is his own person," Zhu Gaochi, who had a sad face, said: "His words are all heartfelt words, and you can just speak freely." ”

"Yes." Wang Xian responded, turned to Yang Rong and said, "Master Yang thinks that the prince can do this will?" ”

"I don't know either, so I asked His Royal Highness the Crown Prince to invite you here," Yang Rong smiled bitterly: "It is said that Wang Zhongde has the wisdom of heaven and man, and I hope you can have a way." ”

"The bachelor is too awarded." Wang Xian said lightly: "Xiaguan's little cleverness, I can make do with it in an emergency, I really can't do anything about this unsolvable problem." ”

"Zhongde, can't you really help it?" Zhu Gao's cheeks trembled, in fact, when he learned a few days ago that he was going to do this drudgery, he secretly invited Wang Xian to discuss, wanting to see if there was any countermeasure. As a result, Wang Zhongde, who has always frowned and calculated, frowned and wrinkled, and he was about to wrinkle into a forehead wrinkle, and he didn't think of a way. I had to retire first, and said that I would go back and think about it carefully...... Looking at it like this, it seems that he hasn't thought of a way to deal with it until now.

This is the first time in history.

"Yes, Your Highness." Wang Xian said: "Speaking of which, the treasure banknote is just a piece of paper, and the reason why the people can treat it as gold and silver, circulate and store it, it is useless to rely on the court's compulsion, and can only rely on the confidence of the people." ”

"Faith?" The crown prince and Yang Rong said in unison.

"Yes, faith." Wang Xian nodded and said: "In fact, currency is just a symbol, it does not have to be linked to gold and silver, as long as everyone thinks that it has value and believes that its value can be maintained for a long time, then paper money can completely replace gold and silver." There are three ways to get people to see paper money as valuable as gold and silver. Either prepare with gold and silver, promising to exchange paper money for gold and silver at any time; Either the bonds are issued as collateral against assets such as land and taxes, and this kind of marketable bonds also have the same effect; Either way, it is to directly issue banknotes with the endorsement of the country's credit, which has the advantage of not having to spend any cost, let alone the pressure of payment, as long as the people believe in the country's credit. ”

For Wang Xian, the annotation of his previous life, this kind of basic financial knowledge is simply a drizzle, but for the prince and Yang Rong, it is tantamount to financial literacy. Especially Yang Rong, although the prince, Li Guan and others respected Wang Xian in every way, he thought that this person was also very clever and quick to be wise, and when he really encountered the problem of governing the country and needed experience and real wisdom, this kid was out of reach.

But as soon as the connoisseur made a move, he knew if there was one, Yang Rong listened to Wang Xian's words, and couldn't help but say sincerely: "Zhongde is really talented, please continue to decompose and listen to you." ”

"Obviously, the Ming Dynasty only used the third type." Wang Xian didn't bother to be polite to him, and continued: "Say something disrespectful to the ancestors, this is the worst choice. ”

"Didn't you say that this method doesn't cost and doesn't have to be cashed?" For the crown prince, Wang Xian's words were a bit harsh. Emperor Taizu has been deified, and anyone who says that Taizu is wrong is a great rebellion. The prince just felt a little harsh, and he was already very indulgent to Wang Xian. "It's obviously the best way, how can you say it's the worst?"

"Because it's the most demanding." Wang Xian said in a deep voice: "First of all, there must be a complete banknote law, of course, it is more important to strictly implement it, the key is not to issue indiscriminately, and to always maintain the total face value of the banknotes, and the size of the national economy." This is a red line that must not be crossed, and if it is crossed, it will be indiscriminate! Indiscriminate issuance will shrink the value represented by paper money, and the people who use paper money as wealth will suffer a shrinkage of property. If the people could perceive this change, they would resentful of the court and no longer trust it...... And because this method of issuing money is not restricted, once the country encounters financial difficulties, it will have an irrepressible impulse to over-issue, thinking that it can be used in this way to increase national use without much effort, but as everyone knows, this is overdrawing a country's most fundamental and precious national credit! Once the overdraft is excessive, the country's credit will go bankrupt, and at that time, the people will not believe what the court says......"

"Be cautious." Yang Rong broke out in a cold sweat when he heard this, if it was really as Wang Xian said, the Ming Dynasty would not be far from the death of the country.

"If this is the case, then it is even more necessary to rectify the banknote law and restore the credit of the imperial court." After all, it was not the first time for the prince to hear it, and he was not so shocked, but instead expressed his considerations.

"It's hard, it's too hard." Wang Xian sighed.

"So, there's still a way?" Yang Rong's eyes lit up.

"There are three ways to let everyone accept the treasure banknote again," Wang Xian said with a flat expression: "The best policy is to issue a new one, with gold and silver as a guarantee, you can exchange new banknotes for no reason, or you can exchange gold and silver treasure banknotes at any time, and allow the people to use the old banknotes in their hands to exchange huàn into new banknotes at a certain proportion." In this way, as long as preparations are made, I believe that within half a year, the new banknotes will be accepted by the people, and the credit of the imperial court will be restored. ”

"It's not realistic." Yang Rong shook his head and said: "There is no doubt that a new set of banknote laws is being promulgated, and where can you find so much gold and silver in the imperial court?" ”

"Actually, you don't need too much," Wang Xian said lightly: "As long as you can resist the early people's exchange of huàn, and let everyone believe that paper money can be exchanged for gold, everyone will not exchange huàn." After all, the convenience of paper money is incomparable to gold and silver. ”

"No, no, no." Yang Rong shook his head, in fact, he knew that this method was the way to cure the root cause and the royal way to reshape the country, but he knew what the emperor needed now, and he would never agree to this method. "Where's the middle strategy?"

"The middle strategy is to fix the current banknote law." Wang Xian said: "First, it was announced that the issuance of additional treasure banknotes would be stopped for several years. The two stipulate that banknotes, whether new or old, can be exchanged for new banknotes at any time at various treasure banknote bureaus. Third, all taxes and fees collected by the imperial court were paid in treasure money. Fourth, crack down on counterfeit banknotes. If you can do these four things, you can justifiably implement the ban on gold and silver. In this way, it only takes a few years for the treasure money to regain its value. ”

"Well, that's a good idea." When Zhu Gaochi heard this, he felt that this method was very feasible, at least if he had a heavenly ascension in the future, he could implement this method.

"No, either." Yang Rong still shook his head and said: "Don't say anything else, the first point is to stop issuing additional treasure banknotes for a few years, and you will never be able to get through to the emperor." "He almost said directly, Emperor Yongle still wants to print money to make money, you dare to cut off his wealth, aren't you looking for death?

"Then there's only one way to go." Wang Xian was not surprised at all by Yang Rong's reaction, "Strictly enforce the ban on gold and silver, if you dare to use gold and silver traders, you will be killed, and you will have to connect the nine clans to see who dares to violate the ban." ”

"Lord Wang, you're not joking, are you?" Yang Rong asked in amazement.

"Master Yang, you're not kidding!" Wang Xian asked rhetorically: "With the indiscriminate issuance of treasure money like waste paper, you want to exchange it for the wealth of the people again and again?" ”

"This ......" Yang Rong said depressedly: "Of course I also know that it is not advisable, but there is the ancestral family law and the emperor's holy decree, this matter, if you don't do it, you have to do it......"

"It can't be done!" Wang Xian waved his hand and said, "What should I do if I want the horses to run fast and the horses not to eat grass?" If it is done by force, even if His Royal Highness the Crown Prince offends all the people in the world, he can only force them to rise up! Saying that, he said with a slight excitement: "Bachelor, you are in the cabinet, you should know better than me how difficult the people of the world are now, right?" Shanxi, Hebei, Shandong, Henan, Gansu and Shaanxi, there are White Lotus Sects everywhere making waves, why can the White Lotus Sect become popular? Because the people can't live anymore, they hate the court in their hearts, so they will be willing to be bewitched by them! At this time, they still have to continue to issue treasure money indiscriminately, do they think that the people will not rebel? The person who came up with this idea must be a great traitor, and he should be killed! ”

"This method was developed by King Zhao." Yang Rong was said to be a little embarrassed, because in any case, he did not show the courage to defend the crown prince to defend the wealth of the people......

"He just wants to harm the prince!" Wang Xian said angrily: "Your Highness, knowing that it is a pit, we specify that we can't jump into it." ”

"But the holy will of my father is difficult to violate," Zhu Gaochi said helplessly: "I know that it is a pit, and I can't hide." ”

"Then let the emperor take the initiative to withdraw his will." Wang Xiandao.

"Once the will is announced, it is a golden rule, how can it be taken back casually?" Yang Rong shook his head and said.

"Then we will give the emperor a reason to have to take back his fate." Wang Xian said indifferently: "The so-called plan is not changing quickly, we have to take the initiative to change." ”

"I would like to hear the details......," Yang Rong said.

"But it doesn't hurt to talk about it." Seeing Wang Xian looking at himself, the prince nodded and said, "Bachelor Yang is trustworthy. ”

Since the prince said this, Wang Xian explained his ideas and plates, and the two of them were dumbfounded, and said directly: "This, this...... How can it be? ”

"I really don't have anything else to do but do that." Wang Xian spread his hands.