Ming Dynasty, starting from the empty seal case

Chapter 80 Sharp Weapon
  Looking at Zhu Yuanzhang, he was already smiling from ear to ear.

At this moment, the atmosphere in the main hall is no longer as serious as it was at the beginning, but has become as quiet as a classroom.

Fang Xiaoru's regular handwriting was extremely beautiful. When the handwriting fell on the paper, it was clear that it was every word that Su Xian had said.

But it is different from Zhu Yuanzhang's "self-promotion".

At this moment, he was very worried. In his opinion, children should be innocent and innocent, but with every sentence Su Xian said, he seemed to see a black-hearted veteran, trying to figure out people's hearts.

If it weren't for many parts of it, one could see the "childish" feeling of his just thinking, and every time Su Xian said something, he would modify some of the information and change his tone.

Otherwise, he would really think that someone was teaching him behind his back!
  Zhu Yuanzhang and his son naturally had no idea what Fang Xiaoru was thinking.

The former has been on the throne for many years, and his ruthlessness is only on the surface, but the evil intentions are on the inside.

But after hearing Su Xian's words, he understood its intention almost subconsciously, and smiled even more heartily. It felt like this boy's immature words had opened up a new world for him.

Even in these words, there is still the innocence and imagination of a child.

These are all naive and crooked ideas!
  You have to follow this idea carefully yourself, and then let the great scholars polish it on this basis!
  He would like to remind himself.

There are really two things to say. This is no longer a clever statement, but a mistake made into white!

As for Zhu Biao, he seemed to be benevolent and virtuous, and he was the future Son of Heaven in the hearts of all officials, but in fact he was also extremely sinister.

At this moment, after hearing what Su Xian said, he also smiled and said:

"What you just said is to ensure that this money shop..."

"The name Qianpu is a bit unpleasant. Let's call it Qianzhuang based on the most common folk name..."

After Zhu Biao corrected him, he said: "How can you ensure that... this money shop can make money, instead of asking people to exchange all the silver at the beginning?"

"It's a transaction! Not an exchange!"

After listening to Zhu Biao's words, there were still some things he couldn't correct.

Su Xian made a solemn statement.

"In the future, the word exchange can only be for Ming Dynasty treasure banknotes, which can be exchanged for new banknotes! That is, the only function of the treasure banknotes is to carry them to the bank's treasury."

"It's not a deal!"

"If we can't change this concept here, then if the people below implement it, there will probably be all kinds of trouble!"

As soon as these words came out.

Zhu Yuanzhang reacted immediately, nodded quickly and said: "You said that well! We think so too."

"This silver, it is now goods! As for goods, as you said before, silk and cloth are goods, and silver is also goods like them."

"So goods can only be traded, and only coins can be exchanged!"

Several people nodded.

This is exactly the reason!
  "It's just that... there are still some questions. You can ask Biao'er. Our minds are very confused right now!"

Zhu Yuanzhang looked around and felt that he still had to maintain his majesty as a king. And Zhu Biao has been with him for so many years. The father and son know what they are going to do without even having to talk to each other.

Sure enough, Zhu Biao just pondered for a moment.

He asked his own question.

"If you open a bank, how can you guarantee that it will make money? It will not be lost in this exchange?"

"And, I hear what you mean, is it a bank that allows them to privately participate in the exchange?"

Zhu Biao is very keen.

He easily realized what Su Xian meant and the consequences.

In his opinion, if privately controlled, especially gold and silver!
  Although they now say that they regard "Da Ming Bao Chao and Hong Wu Tong Bao" as the only two coins.

But the changes in world affairs are not something they can definitely achieve just by whatever they think. Gold and silver serve as a guarantee, and they cannot give up all of them.

Of course Su Xian knew what he was thinking. He slowly pointed at Zhu Xiongying, then Chang Sen, Xu Yingxu and others.

"So what I have always said is to let the emperor's eldest grandson and them participate..."

"The imperial court doesn't have that much money now, but the nobles do!"

"They participate in it, and the annual profit can be divided into them. But in name, it is the emperor's eldest grandson who is already wise despite being young. He is grateful for God's grace and knows that it is not easy for the people. In order to make up for the shortcomings of the treasure bank."

"So inspiration came from heaven to set up an official bank to comfort the world!"

As soon as these words came out.

Zhu Biao and Zhu Yuanzhang both looked at Su Xian with strange expressions.

good boy!
  This is intentional!

The emperor’s eldest grandson? How about just calling on the world and directly announcing that he is the emperor's grandson?

but!

very good!

Zhu Yuanzhang originally believed that the second generation monarch of the Ming Dynasty was Zhu Biao.

Zhu Biao will be our eldest grandson when he gets old!
  And this moment.

When Zhu Xiongying saw everyone looking at him, he didn't know what to say, so he just smiled.

Zhu Yuanzhang couldn't help but smile when he saw this.

"It's better to give it to our grandson in advance and get all the belongings ready..."

"No wonder, your boy said that he wanted to travel to the capital, to all the provinces of the Ming Dynasty, and even outside the borders. Isn't it a joke? Is this really your plan for the future?"

Zhu Yuanzhang asked with a smile, but at the same time, he was in disbelief in his heart.

"How to ensure profitability?" Zhu Biao asked again. This question is the real core.

Otherwise, no one would want to come, wouldn’t it be just a fantasy?

"How do banks make money?" Su Xian was a little surprised. Is this true or false? Are you testing me?
  It seemed that he saw Su Xian's blank look.

Zhu Biao said seriously: "I know what you want to say. Since it is a money shop, there were similar deposits, withdrawals, and loans in the previous dynasty!"

"Even during the Northern Song Dynasty, the Green Crops Law established by Wang Anshi was still similar to a loan. However, the Green Crops Law was initially implemented when Wang Anshi was the county magistrate. It can be said that the political achievements are outstanding! People's evaluation is also good,"

"But when he became the prime minister, the Qingmiao Law became harmful to politics!"

"So this thing..."

"That's why I let you and your honorable people participate in this thing, and currently, it is only implemented in the capital." Su Xian followed his words and said:
  "And the current recipients of deposits, withdrawals and loans are not the common people cultivating the land in Qingmiao Law, but merchants traveling around!"

"After all, compared with people's wealth, small-denomination banknotes are actually safer. As long as the government can guarantee their most basic value, there will be few problems."

"The only people who can really exchange money on a large scale are nobles and merchants!"

What Su Xian said was not something very difficult to understand.

But in the later generations, it will exist in a common way.

But for now...

Just relying on "deposits, withdrawals, and loans" would make it difficult for Ming Dynasty officials and even nobles to participate.

The reason is very simple. The current scale of Ming Dynasty's business is actually not large.

Due to various policies of Emperor Hongwu, most people were restricted to one place. Businessmen could travel everywhere, but most of them were traveling merchants who supported their families. Really wealthy businessmen are often associated with wealthy and wealthy families.

and so.

Su Xian was ready to start from another aspect.

As for this aspect, even those who have never heard of it will probably be excited and participate in it if they hear it for the first time. Not to mention, the royal family as the leader.

"When doing business between the two places, it is not easy to move money. The prosperous places in the southeast have their own bank shops and pawn shops. These people provide banknotes and can even support cashing in the two places!"

"This matter was already commonplace in the former Song Dynasty. Jiaozi could even become an officially issued banknote that everyone trusted!"

"The former Song Dynasty can do it, and the Ming Dynasty can do it too!"

"This can be used as a weapon for the court to provide to merchants."

"But I want to ask a question, how much commission do these private money shops get when cashing banknotes?"

It seemed that he didn't expect that Su Xian would ask this question.

Zhu Biao thought for a moment and then immediately replied:
  "There is rarely a fixed commission. Half of it depends on the order, but the minimum is 20% of the profit! The maximum can be 50%! There are even those who eat the whole meal."

"This all depends on the strength of both parties, geographical distance, and even personal abilities and other reasons."

"I know that businessmen from the southeast will go to Shandong and the grasslands to trade. After the Song Dynasty and the Yuan Dynasty, most of the silver on the market fell into the grasslands. Moreover, the herdsmen in the grasslands do not recognize private silver notes, only silver or goods."

"So, these merchants are either transporting goods to earn silver. Or they are bartering for goods, or they are using silver to buy cattle and sheep, etc..."

"In fact, in our Ming Dynasty, there are very few such merchants now, and even fewer private banknotes. They are like a product of the former Song Dynasty..."

Zhu Biao smiled. The reason for all this is, of course, that the current Ming Dynasty is prosperous.

Zhu Yuanzhang established the Four Citizens, consolidated household registration, and restricted travel, all in order to restore people's livelihood as soon as possible. Compared with this, doing business was secondary.

Today's Ming Dynasty suppresses business but also supports business. This is very contradictory.

Zhu Yuanzhang believed that merchants were cunning and cunning, and could sell everything for their own benefit. Most of them were in cahoots with wealthy gentry families and exploited the people. Therefore, in various aspects, they were devalued and restricted, and they were not allowed to take the imperial examination! No silk! Household registration determines everything. Once the business registration is confirmed, it will be difficult to turn over!

But on the other hand, he has reduced business taxes several times. In order to make the market more prosperous, several measures to support businessmen were introduced. Governments at all levels should pay attention to merchants, provide unconditional storage space for goods, and protect the property safety of merchants who have died due to illness.

If anyone in the world has something to say, regardless of merchants or farmers, as long as it is beneficial to the country, you can speak boldly!

It's contradictory, but that's how it is.

Su Xian grew up in Ming Dynasty, so he still understood the basic situation.

He paused only slightly.

He said: "In that case, let's give it a try!"

"Besides the simplest deposits, withdrawals and loans, it is the first major thing that makes a bank profitable!"

As soon as these words came out, Zhu Yuanzhang and Zhu Biao were stunned.

Su Xian continued: "Some time ago, sir, I said that the Ming Dynasty was going to use troops against Tubo?"

This is not a secret. Now everyone in the capital knows it, because Deng Yu, Mu Ying and others have raised troops.

Zhu Yuanzhang was very confident about this battle, and it was a good time to announce the Ming army's victory.

He has been brooding over the failure of the last Northern Expedition.

Therefore, we continue to plan. As long as there is a victory, we must publicize it to dilute the blow of Hongwu's failure in the Northern Expedition in five years.

Seeing the two people nodding, Su Xian continued to pay attention.

"Tubo is located in the land of Xifan. It has a vast territory, sparsely populated areas, and many cattle and sheep. After a great victory, suppressing it with troops is not a long-term solution. It is better to take this opportunity to trade with it."

"And this bank is just right for use."

"First set up a bank in the capital, and then set up a bank in Ningxia. There are many wealthy households in the capital, so we should take this opportunity to promote treasure banknotes among these wealthy households first!"

“Even treasure banknotes are no longer limited to face value, and deposit banknotes can be customized for merchants!”

"Whether it's a private money shop or a pawn shop, they charge 30% or 50% of the profit!"

"Official banks should charge a fixed profit. Depending on the money they deposit, regular is fine, five hundred is better, or even no profit!"

The voice just fell.

Zhu Yuanzhang was immediately shocked, "How is this possible? Others charge so much, but we only charge a fixed amount? Or even not?"

"Why isn't this possible?" Su Xian continued.

"Don't forget the original purpose, which is not to make money, but to promote treasure money!"

“Once it’s implemented, what’s the profit?”

Su Xian raised her hand and said, "You can have as many as you want when the time comes!"

"Even... this move can be continued in Tubo!"

"The barbarians are defeated, and they have strong troops to suppress them. The herdsmen are weak, so let them know the convenience of treasure money!"

"What cannot be implemented forcefully in our Ming Dynasty can be tried out in Tubo. Initially we need to give up profits so that the herdsmen in Tubo can also taste the sweetness of our Ming Dynasty treasure banknotes and tell them that they can use the same silver to buy goods with the same treasure banknotes. Just a little more.”

"You don't need too much, just a little, and you can even get a small gift using treasure money. Promotion, discounts, and pressure all at the same time!"

"To ensure safety, military towns can also be set up to trade goods and keep channels open. As long as the Tibetan herdsmen are familiar with the process, they can go back and forth..."

"As long as it works!"

"This is one of the reasons why the bank has settled successfully, and this is still the smallest win!"

"The biggest win..."

"In less than ten years, as long as the treasures are stable, the resources of the land of Tubo will be under control!"

Su Xian clenched his fists. He had boasted a lot here before.

They also said that they would use their Three Kingdoms banknotes to all provinces of the Ming Dynasty and beyond the borders.

At that time, everyone would smile when they heard it, but this kid only knew how to brag.

But now!
  Zhu Yuanzhang and Zhu Biao looked at each other, and even Song Lian pulled his beard, feeling frightened.

Because they suddenly discovered.

This guy is not bragging at all!

But now.

Su Xian hadn't finished speaking yet, but continued to speak loudly...

It's not like he was telling Zhu Yuanzhang and the others.

On the contrary, it seems to be giving, said the friends who played "Three Kingdoms Banknotes".

"At that time... the merchant will also be a powerful weapon!"

"Our piece of paper is not enough to hold up gold and silver, but it is enough to hold up the entire Tubo!"

"At that time, why worry about Tubo being uneasy?"

"We have a strong army and powerful crossbows!"

"My Ming Dynasty can defeat an army of millions with the help of treasure money!"

(End of this chapter)