back to ancient times to be emperor

Chapter 605
Xu Chongguang's question immediately turned Lu Chengqi down.To be honest, Lu Chengqi didn't think about it so much, he just knew that Jiangnan was still extremely barbaric, and he wanted to reproduce the prosperity in the official history.

"Xu Qing's words are justified, I didn't think so much at the moment..." Lu Chengqi said unhurriedly.

Unexpectedly, Xu Chongguang was waiting for this sentence: "Your Majesty doesn't know something. Once the court bears the burden of going to Jiangnan, it will be extremely difficult. The old minister boldly asks Your Majesty to give up Jiangnan as soon as possible!"

Lu Chengqi glanced at him meaningfully, and thought: "This old man Xu, he opposes whatever I support, is he specifically against me?" He is still young, and he doesn't understand what it means to be greedy for power.People in high positions are extremely sensitive to their own power.Whenever there is a slight threat to his status, he will try his best to stop it, just like Xu Chongguang now.Doesn't he know the significance of developing Jiangnan?He must know it, and he also knows how many benefits are hidden in it.But unfortunately, it is precisely because this matter has great benefits that it threatens his status, so Xu Chongguang recklessly opposes this policy for his own benefit.If people are not for themselves, heaven and earth will perish!
Lu Chengqi didn't think so. Whether it was the New Deal, the digging of canals, or the development of Jiangnan, they were all goals he must accomplish.Without even thinking about it, he refused: "Give up? I will never give up on things I have decided. Even though I thought very superficially, I didn't expect many difficulties. But I believe in one sentence, there are always more solutions than difficulties. Develop Jiangnan is related to Dashun for generations to come, and there is no room for any mistakes in this matter..."

Xu Chongguang was in a hurry. He, who was always calm and composed, seemed a little excited at the moment: "But Your Majesty, the treasury's money is not enough to spend. How can there be any money left to invest in Jiangnan?"

Lu Chengqi blinked his eyes, as if seeking Xu Chongguang's opinion: "Xu Qing forgot, did you mention the 'tax coupon' I told you yesterday?"

The civil and military officials of the Manchu Dynasty were whispering, probably discussing what this "tax coupon" was.Xu Chongguang was taken aback for a moment, he finally understood, the little emperor was making a fool of himself!On the surface, Jiangnan is to be developed, but secretly, "tax coupons" are implemented in the name of developing Jiangnan.Xu Chongguang couldn't tell because of the pain in his heart: "Your Majesty, the old minister is getting old and can't remember clearly..."

Lu Chengqi coughed twice, and after the Daqing Palace fell silent, he said slowly: "Then let me say it again, the so-called 'tax coupon' means that the court borrows money from the people in the name of tax revenue to enrich the national treasury. The royal tax is the guarantee, and the principal plus interest will be returned after one year..."

As soon as Lu Chengqi's voice fell, the entire court lost its composure, and everyone, including the ministers and military officers, was talking about this "tax coupon".

In the Dashun Dynasty, such a form had already appeared.During the Yuanshou period, there was a period of time when a government-run lending institution was called Huiziwu. Emperor Yuanshou stopped implementing it within two years in the name of disturbing the people.Private money lending shops are called Qianyinpu, the first private lender is called Qianmin, or money owner, money owner, and treasury account holder, and the second lender is called Xingqian, also known as Pedestrian.Regardless of land deeds, land deeds, or gold and silverware, they are all good collateral.If there is no property mortgage, you can pledge your wife and daughter.The "Qian Min" who has a lot of spare money is very busy with business and lacks skills in breaking up, so he entrusts and hires "Xing Qian" as an agent to operate money lending on his behalf.As for the interest, it is shared jointly, and the sharing ratio is usually 500-[-]. "Lending money" is free of cost and profit, so the enthusiasm is naturally high.These two are similar to real estate bosses and sales girls in later generations. The more means the sales lady has, the more properties she sells, the higher the property price, and the higher the commission. You take it home.

This kind of private lending has extremely high interest rates, and it belongs to the business of "money making money".Some people who have borrowed usury have no money to repay, and their fields, houses, wives and daughters do not belong to them.Lu Chengqi received a secret report from the Supervision Department that he wanted to eradicate this industry a long time ago.You know, Ximen Qing in "Water Margin" is doing this business.Private lending is the source of land mergers.In some peasant households, it is inevitable that some family members are seriously ill and need money urgently.They have no money, except for pawning, they are borrowing.But the borrowed money is borrowed, and if you can't pay it back, or you can't read, you can't see the tricks in the IOU, and it is common for people and money to be empty.

Of course, it would be impossible to have no loans at all, so what Lu Chengqi thought of was to use the Royal Bank instead.Use state machinery to forcibly eradicate private lending, and classify private lending as a crime.It's not that Lu Chengqi is too ruthless, but that this kind of usury almost pays back more than double the amount borrowed.This kind of profiteering behavior is definitely the existence of the subjugation of the country and the dynasty.

After eradicating private lending, the Royal Bank will carry out official loans, showing a specific interest rate, the highest shall not exceed 15.00%, and it will start with a period of five years, and then a period of ten years, and a period of 15 years.Except for land deeds, land deeds, house deeds, gold and silverware, and antiques, the pledged items must never be collected from living people.

In this way, the tragedy of family destruction will be largely eliminated.After the Royal Bank made a profit, it reinvested in the Pharmacy Bureau and dispatched imperial physicians from the Imperial Medical Bureau to provide free medical treatment for the people.In fact, how much is Chinese medicine worth?It's just that the doctor's visit fee is higher.If the "Pharmacy Bureau" only collects money for medicines, why would the common people worry about having no money to see a doctor?

Lu Chengqi's idea is good, but he also knows how many people will be offended once implemented.So he wants to start with "tax coupons", that is, the national debt of the other world, let the people accept this form of government loan, and then gradually develop it.Governing a large country is like cooking a small fish, and it is not beautiful if you rush it too much. Haste makes waste!
Lu Chengqi and other civil and military officials discussed for a while before saying: "Everyone, what do you think of 'tax coupons'?"

Feng Chengping, Shangshu of the Ministry of Rites, came out with the imperial wat and said: "Your Majesty, I think this matter is disrespectful to the imperial court, it is inappropriate!"

Lu Chengqi retorted lightly: "The face of the court is recognized by the people. If the people know that the treasury is empty, the face of the court will be gone. I believe that as long as the court is willing to consider the people, how can the people not turn to the court? Feng I don't agree with what you said."

Qian Zongfang, the doctor on the right, came out with the wat in his hand and said, "Your Majesty Qizuo, I have some concerns about this. If too many 'tax coupons' are issued, the tax will not be paid next year, and the people will lose their trust. What can I do? ?”

Lu Chengqi smiled and said: "Qian Qing's words are quite insightful. I have already prepared a countermeasure. I will only issue 1000 million guan, and the Royal Bank will issue it on my behalf. The interest will be 100 million guan, which is a one-year period. Is it possible that the treasury has an extra 1000 million yuan?" Wan Guan, it won't last for two months, right? Without my consent, no yamen official has the right to issue the 'tax coupon'."

Zuo Jianyi doctor Yun Feng held the wat and said: "Then dare to ask Your Majesty, in what form will the 'tax coupons' be issued?"

Lu Chengqi was taken aback for a moment, yes, there is no paper to prevent counterfeiting in this era.As far as he knew, the paper industry was already very prosperous at this time. Could it be made into watermarked paper?

"I feel that the 'tax coupons' made of gold, silver and copper are too heavy and far from worth their value. In this case, it is better to print them on paper. Of course, this paper is not ordinary rice paper, hemp paper, Yellow paper, if it is a special kind of paper. Red, blue, black and other coloring patterns are used on the paper, pattern patterns and seals are overprinted. The patterns are mainly complicated wooden figures, and the pattern frame is made outside. It is best to make the inside of the paper , the hidden pattern can be seen through the light..." Lu Chengqi was so whimsical that he actually mentioned all the anti-counterfeiting technologies of some banknotes in later generations.

(End of this chapter)