my days with tyrants

Chapter 78 The Grenade Standard System
night.

"Your Majesty, your fundamental problem is credibility.

You have no credibility! "

Yang Feng said directly.

Zhu Yuanzhang took a deep breath, as if telling himself to hold back...

"It's not just you, in fact any emperor has no credibility, because you have the power of life and death, you can renege on your debts, you can rob, you can kill the whole family and then lose your family, so put the money with you, and if anything happens in the future, the depositor will You can only accept it, even if you directly embezzle it, they can only bear it.

Can't bear it?

You will kill their whole family.

In this case, not only can't they deposit money with you, but they can't even let you know that they have money.

Guard you like a thief.

It's useless for you to be angry, what I said is the truth.

Besides, you don't need to be angry, this is not aimed at you, but at all monarchs, even if they are replaced by those so-called holy masters, the result will be the same. "

Yang Feng continued to stimulate him.

"I came back to you to solve the problem, not to let you talk nonsense here."

Zhu Yuanzhang said.

His grandson stood there with a shocked expression on his face.

Someone dared to speak to his grandfather like that, which already shocked him, and it would shock him even more if he said that without being dragged out. Therefore, Huang Zicheng's claim that Yang Feng was rude to him was completely nonsense.Yang Feng was not rude to him, in fact Yang Feng was rude to anyone, compared to Zhu Yunxie, he felt that Yang Feng had already respected him very much, if Yang Feng really bowed to him, he should be scared at this time I was in a cold sweat.

"It's very simple, I will do it, or the Great Xia Kingdom will open this bank."

"You have more credibility than me?"

"Don't tell me, at least I have more credibility than you.

But my reputation is definitely not good.

So, I'm going to use another thing. "

Yang Feng said as he took out a grenade.

The guards in Jinyi screamed and quickly drew out their knives one by one, but then Zhu Yuanzhang waved his hand to signal them not to panic, and then looked at Yang Feng's grenade with interest...

"I can indeed buy it at a high price."

he said with a smile.

"One hundred strings."

"Yes, this thing is worth the price."

"That's fine. You authorize me to open a bank in Daming in the name of the Great Xia Kingdom to absorb private deposits. For every hundred coins deposited, I will give depositors a grenade, but I won't give it to them. They will take it out later. When this deposit is made, the grenade must be returned.

If I can't give them the deposit, or cash it all plus interest, then they can sell you this grenade.

As for the shortage, there is no such thing.

But you also need to take a little risk.

Because it is very likely that someone will just throw me a hundred pens just to get this, and then take this to do something else. "

Yang Feng said.

"I'm not even afraid of that.

What's more, even if there are, one or two counts as ten or twenty, what can you do in the end?
How many soldiers can be killed? "

Zhu Yuanzhang took a grenade and said calmly.

"This is the heroic spirit."

Yang Feng quickly eased the relationship.

"But since you are here to open it, the loss is your own. How can you protect yourself from losing money?"

Zhu Yuanzhang said.

"You give me the bottom line!
I will lend you these deposits. When you need money, instead of continuing to print, you will borrow money from me for a few years, and then repay with interest, so that you can receive the excess private banknotes to the bank. , the bank will loan you again, and you will distribute it to the private sector, and the private sector will save more and then deposit it in the bank, and the bank will loan it to you again, and so on.

As for the deposits I give to depositors, I don’t give them all at once, I give one today and one tomorrow, so that I don’t need their deposits to be in my hands, as long as I keep what I have in my hands to meet the daily needs of withdrawing money.

What's more, if it's really not enough, you can print some more for me.

This counts as your capital injection.

In this way, if you have enough money, private banknotes will not accumulate and depreciate. "

Yang Feng said.

So Zhu Yuanzhang is equivalent to the central bank.

"In this way, the people's hard work and sweat are finally gone like running water in the middle."

Zhu Yuanzhang said with great interest.

He is a sensible person, and he can see the key to this operation at a glance.

"What you are talking about, this is called economy. Besides, those who have money to deposit in the bank, are they ordinary people? The money they collect in a year may not be enough to buy clothes and eat meat a few times. Those who really have money to deposit in the bank All are rich.

But you took the money to reward the armed forces, to relieve victims of disasters, and to repair water conservancy for the local area.

This is stealing from the rich and helping the poor! "

"Stealing from the rich and giving to the poor?"

"Yes, absolutely stealing from the rich and helping the poor, that's great!"

Yang Feng said with certainty.

"Haha, I like this robbing from the rich and giving to the poor!"

Zhu Yuanzhang said with satisfaction.

Then the two guys who met each other's moral lower limit laughed at the same time.

However, the grenade standard system was indeed the most effective method Yang Feng could think of. After all, they could not produce enough gold and silver, and even if they took over the gold and silver mines in the Wa country, they would not be able to obtain the gold and silver to support the currency system in a short time.The development needs enough time, and the output also needs a long process to increase. The gold and silver mines there can indeed support the gold and silver double standard of the Daming Banknote, but at least it will not be able to do so in the next ten years.

This requires a transition.

What Zhu Yuanzhang wanted was something that could be maintained in a short period of time.

He wants to issue treasure notes to maintain expenditure.

Every year, rewards to the army, disaster relief, court building, etc., all depend on precious banknotes, but it is a process of only releasing and not collecting. He even collects taxes directly by collecting food, and precious banknotes will inevitably increase gradually among the people. Ultimate depreciation is inevitable.

The role of the bank is to provide a buffer.

Let those extra precious banknotes be locked in the bank's warehouse. Once the bank is approved, it can act as a regulator. Zhu Yuanzhang does not need to print more precious banknotes, but he can use the private banknotes for his own use through the bank.In this way, the total amount of precious banknotes in the private sector will be maintained in a moderate range, and it is not important whether the bank is profitable, what is important is that there is, and Yang Feng does not have the problem of not being able to maintain it.

Because he didn't have enough precious banknotes to cash in, he could ask Zhu Yuanzhang to print new ones.

but……

How can the people accept it?

How can people believe something that appears out of thin air?
In this way, there must be something that is scarce, irreplaceable, and can be used to guarantee credibility.

grenade.

The most perfect choice Yang Feng could think of.

Scarce, irreplaceable, and more importantly, Zhu Yuanzhang will definitely buy it at a high price. Besides, even if he doesn't buy it, for many people, the grenade is definitely worth a hundred coins...

This is especially true for businessmen.

It's only a hundred hits, a grenade can save your life when you meet a bandit!

This is life saving stuff.

The grenade standard was born.

So it doesn’t matter what standard the currency is, what matters is that this kind of thing is important, it can be the millet standard, the salt standard, or the gold standard.It can't be called currency either. After all, Yang Feng is not issuing banknotes. At most, it is a certificate of deposit based on the grenade standard, or it can be called banknotes. It is banknotes.

He has now amassed a large case of grenades.

One war is enough.

More than 1000 pieces!

That is to say, it can be used to store [-] banknotes.

less.

But at least it was good enough for the first time.

And this also prevented Zhu Yuanzhang from being alerted by leaving too many grenades in his hands.

Mutual trust between the two sides is very important, and Zhu Yuanzhang cannot be suspected of rebelling against him by stockpiling arms.

These grenades scattered among the people had very little impact on Zhu Yuanzhang. It would be a joke to expect a few grenades to rebel. These are grenades and not heavy bombs. They can’t even blow up a city gate. Frightened by a few grenades, at best they were used for assassination.

But assassination is none of his business.

No matter how much you assassinate him, you won't be able to kill him on the head. He is very safe in the palace.

"But you also have to understand that it's just a means of conditioning.

Valid for a short period of time.

But as long as you still need banknotes, there will eventually be times when they are beyond their means.

So first of all, you have to quickly take down the gold and silver mines in the country of Japan, and then develop them there, and use gold and silver to support your treasure banknotes. This is really the most effective.The second is to expand consumption, that is, let more people spend money, and integrate more precious banknotes into circulation. If you issue a consistent banknote, someone should use it. If you issue a hundred banknotes, someone should use it Use this hundred guan notes.If you issue one hundred bills, only ten bills will be used in the end, even if the bank can receive another ten or twenty bills, there will still be a large amount of bills lying idle outside.

Then it will definitely depreciate.

Therefore, the common people must be allowed to spend money, and commercial restrictions must be relaxed.

Salt of course not.

Your salt system is sound.

But in other respects, you might as well reduce some restrictions.

Let there be more merchants and more things that ordinary people can buy. Paper money started in the Song Dynasty. It was not even issued by the court at first, but was made by merchants in Sichuan. It is because of the prosperity of business, but iron money is too inconvenient. , so they came up with the banknotes of Jiaozi themselves.

Look, there is no need for the court to force anyone to use it.

People figured it out by themselves.

As long as you can make business prosperous and increase the circulation of transactions, even if you let merchants use copper coins, they will not use them. Copper coins usually weigh several catties. If you carry a hundred copper coins to trade, you have to find someone The donkey carried it.

Not only is it inconvenient, but it is also easy to be targeted.

But just put a hundred guan bills in your pocket, and no one will notice if you pretend to be.

If you bring a thousand guan, you really have to bring a brigade of guards and packers. If you take those mountain roads in Guizhou, it is not easy to just go to the destination, and you have to pay more extra costs. The guards and packers may go all the way. You have to eat hundreds of guan.If it is converted into banknotes, 51 bills are used for a thousand bills, but only twenty bills, and you can go wherever you want with just one pocket.

Banknotes are the most convenient.

It can be said that as long as you let the private commercial circulation reach a certain level, the merchants themselves will choose banknotes.

Don’t prohibit the people from wearing one thing and that, don’t prohibit them from using this or that, don’t impose restrictions on them going out, just let them go out and do business, and the city gates in various places don’t have to be strictly guarded, and the curfew can be later at night.

It's totally okay to have a curfew at three o'clock.

You can also collect more taxes.

Your current world is already very stable. It can be said that there has never been a more stable time than you are now since ancient times.

Then give people more freedom.

If you don’t give it now, your children and grandchildren will give it to you in the future. You are now forbidden to wear double-breasted clothes, not to mention that this thing existed in the Shang Dynasty. We dug up the tomb of a woman from the Shang Dynasty. It is almost universal for women to wear double breasted.Your descendants don't care about it in the end, the folk double-breasted jacket is still popular, and even the armor in the army is double-breasted cloth face armor and cotton armor.Including those restrictions on fabrics, accessories, shoes, etc., you can let go. In the later generations of your descendants, folks dare to wear boa robes, and these all cost money.

This is consumption.

And the more consumption there is, the more treasures the folks will hold. "

Yang Feng said.

"What about the food?
Silk requires land, and cotton requires land. Do you know how much fertile land is needed to turn cotton into cotton for every inch of clothing length?

An inch short of clothes is all right, but a bucket of food short will starve to death.

There are only those people in the world, and there are only those fields that can be cultivated. You have to keep the line. Those of you who have never experienced famine, how do you know that starving people will turn into wild beasts, not to mention killing and looting, eating people and even eating yourself? The closest relatives don't care, just to stabilize the treasure and ruin the foundation?Treasures are nothing more than leaves, and food is the foundation.

When it comes to business, Hu Yuan has no scruples in business, and those eyes are all over the place.

There is nothing that cannot be traded.

But the result?

Mulberry cotton was planted in the good fields in the south of the Yangtze River, and the silk was sold overseas. However, the mulberry cotton land was robbed of food. In the end, the people had no food to eat, and the merchants made money.

Can they eat their money at that time?
You think I have a lot of restrictions, but I'm just keeping a line.

A line that doesn't lead to starvation. "

Zhu Yuanzhang said.

"So, what you need is to develop productivity.

In fact, there are many lands in Daming, but they are all wastelands. These wastelands need to be reclaimed and cultivated. However, the population of the whole country is so large, and the number of people who can be reclaimed and cultivated is limited. This is a fact.But if the amount of wasteland that a person can reclaim and cultivate increases and doubles, he can increase the production of food when the population is limited, and then increase the production of others when the food is abundant.

Let more people consume it? "

"Is there such a good thing?"

"Yes, to put it simply, it is to increase the use of machinery. A person can plant several acres a day, a planter can plant dozens of acres a day, a person can harvest one acre of wheat a day, and a harvester can cut ten acres a day. , with the current population of Ming Dynasty, tens of thousands of mu can be planted, and 10,000+ million mu can be planted with extensive use of machinery.

That's what people eat.

The surplus grain can be used to increase cotton planting and even feed livestock.

People can buy more clothes and more meat to eat.

And when they buy more clothes and more meat, they need more money to trade.

Your problem is solved.

And it can still be said to be a perfect solution. "

Yang Feng said.

(End of this chapter)