Unparalleled Fortune in Qing Dynasty

Chapter 128 Cheng'er's Suggestion

Now the prince is doing pretty well, if he didn't have a dream last night, and he didn't know about those things, he would definitely choose to assist those in power in a peaceful manner.

That is, anyone can be the emperor.

Now, the dream is too real, but he can't say it out. If he wants to change the ending of not being invaded, he can only make drastic reforms, but reforms are extremely difficult.

His Huang Ama is a wise king, and he is decisive in doing things, but there is one thing, that is, he cares too much about his reputation, and reform is bound to be a bloody process.

His emperor Ama is not sure that he will order reforms, and if the next generation of emperors is his brother, he will be even less likely to be able to do so.

After all, Yinzhen seems to have only one choice, and that is to seize the heir.

Only by taking the power into your own hands and issuing policies at that time can it be more effective.

But when he thinks of seizing the heir, Yinzhen can't help but think of Yongzheng's exhausting life, and he just wants to live his life comfortably.

The two dreams put Yinzhen in a dilemma.

After returning to the mansion, he went directly to the Yaocheng Courtyard. Since his wedding, he didn't spend much time in the front yard. The Yaocheng Courtyard is big enough and the study room is enough for two people. Many of his books are placed in the Yaocheng Courtyard. inside.

Seeing him coming back, Tong Cheng'er said, "You're back?"

Yinzhen nodded: "I'm back."

The conversation between the two is as familiar as that of an old husband and wife.

Tong Cheng'er looked up and found that he was a little sad. He is the prince's elder brother, so it's possible that someone made things difficult for him when he was on duty.

"What's wrong? Did you encounter something unpleasant?"

Yinzhen shook his head: "No, it's the first day I went to the household department today, I read a lot of files, and my head is a little swollen."

Tong Cheng'er understood, it's normal, she also felt dizzy on the first day of school after the holiday.

In her opinion, Yinzhen is a person of the level of a god of learning. She did not expect that such a person would have such "problems" like an ordinary person with average IQ like her.

Tong Cheng'er couldn't help him with this matter, he could only eat and drink, hoping to relieve his brain swelling.

Seeing that it was time for dinner, Tong Cheng'er ordered the kitchen to prepare meals, including meat and vegetables, soup, rice, and vegetables. The amount of each item was not large, but the variety was complete.

The dinner was ready, the two sat down to eat together, Su Peisheng waited on the side, watching the master from time to time pick up vegetables for Fujin, and Fujin would also pick up some meaty meat dishes for the master, the master did not pick at all put.

He had no troubles at all, after all, he had been here for the past few days, so he was surprised in his heart for a while the first day, and then thought that it was not the first time that the master made an exception for Fujin, so there seemed to be nothing to be surprised about.

After dinner, it was still early, so the two went to the study together.

Yinzhen still planned to continue to read the file, thinking about how to write it so that Huang Ama could pay attention to the seriousness of borrowing money, while Tong Chenger accompanied him to pass the time.

Yinzhen was fascinated by thinking, Tong Cheng'er read the conversation book, and this one was a bit boring, so she put down the story book, walked up to Yinzhen, and asked him: "There is something wrong with you today, is the household errands very difficult?" ?”

Yinzhen smiled at Xiao Fujin, and then pulled Xiao Fujin into his arms. The soft touch made Yinzhen's brain temporarily rest.

"It's not too difficult. There's something wrong with the household department. I'm thinking about how to write the notes."

The booklet is not difficult to write. It is rare to make Huang Ama pay attention to it. The original intention of allowing all officials to borrow money for emergency is good, but after a long time, who still remembers the original intention and wants to pocket the benefits!

Tong Cheng'er asked casually: "What's the problem, it can still stump you."

Yinzhen shook his head helplessly: "I'm not a god, there are many problems that can stump me. Here, look at these files. They are all the amount of loans from the Ministry of Household Affairs of the officials over the years, which is more and more every year. Moreover, there are still debts, Huang Ama has become more benevolent in recent years, I am thinking how to write this book so that Huang Ama can pay attention to it."

If it continues to be borrowed like this, the household department will become an empty shell sooner or later.

Yinzhen didn't hide it from Tong Cheng'er, but said it directly.

Tong Cheng'er casually picked up the file on the table and looked through it.

Yinzhen watched her seriously and didn't bother her, he knew that little Fujin was capable, otherwise he wouldn't have been summoned by Huang Ama based on his words at the beginning.

Let her see if she has any new ideas!

After reading it, Tong Cheng'er didn't say anything, but said: "If you expose this matter, you should offend many people!"

Yinzhen nodded: "It will indeed offend people."

This is an inevitable result. After all, the old saying goes well, cutting off a person's fortune is like killing one's parents.

Tong Cheng'er's opinion is: "I don't suggest you just barrel it out."

Yinzhen understood the meaning of her words, so it is not recommended to get it out directly, but to poke it out in a less direct way!

Yinzhen didn't quite understand her thoughts for a while: "What do you think?"

"Why did Huang Ama allow all officials to borrow money from the household department?"

Yinzhen said: "Because some officials' salaries are not high, Huang Ama authorized hundreds of officials to borrow money from the Ministry of Households for emergency needs."

Tong Cheng'er nodded: "That's right, the salary is low. According to your thinking, do you plan to let Huang Ama order the officials to repay the loan, and then cut off the way for the officials to borrow money?"

Yinzhen nodded: "Yes."

Borrowing money is too tricky for the household department, and it is easy to breed the greed of officials. In Yinzhen's view, this system is useless.

In the dream, Yongzheng took the lead in urging loans. Although he offended many people, the result was gratifying.

Tong Cheng'er: "When the water is clear, there will be no fish. Now that they have cut off one source of income, they will find a second source of income. The easiest source of income for those who are officials is the fish and meat people."

"My suggestion is to mention the salaries of the officials first, no matter how much the salaries are raised, you must give some sweetness first, and before that, you have to make the Ministry of Households miserable, let alone the matter of the officials borrowing money and not repaying it. If there is anything that needs money from the household department, the officials of the household department will cry poorly in the court hall, and they will cry poorly when they spend money."

"Give Huang Ama the impression that the Ministry of Finance is short of money. If Huang Ama wants to use the money from the treasury to go on a tour or build some gardens, and everything involves the use of money from the treasury, the Ministry of Households will start crying. Crying, Huang Ama should get anxious herself."

"At that time, if we break through the situation, Huang Ama will naturally pay attention to this matter."

"If it is done, there is no rush to call back the loan. Don't ask for it all at once, but ask for it in batches. I see that there are loans of up to 10 taels on it. Such ones can be given to four or five years." The deadline, anyway, borrowing such a large amount is not much."

"For the rest, you can borrow a small amount for a year or a half or a year or two. You can't become fat with one bite, and you have to take your time."

"In addition, in fact, I think that since it is the decree issued by Huang Ama, it cannot be wrong, even if it is wrong, it is right. It can only be said that the people below have not understood Huang Ama's intentions, and they cannot borrow all the officials. Silver's path was directly cut off."

"According to the amount they borrowed, they can repay the loan regularly, and then formulate a regulation. For example, if they borrow 1 taels of silver, there is no need for interest, but the 1 taels must be repaid 500 taels a month after one year. , or 1000 taels, so that the 1 taels of silver borrowed can be repaid within ten to twenty months after one year of borrowing."

"In order to prevent someone from taking advantage of the rules to borrow money repeatedly, it can be stipulated that each official can only have three or four chances to borrow money. After all, everyone needs money urgently, but it is impossible for people to be so unlucky that they are in urgent need all the time. silver."

"And the number of times is small. When borrowing money, I will use my own number of times carefully, and I will not borrow money so frequently."

After listening to Xiao Fujin's words, Yinzhen felt that his head was not enough, so he could still do this.

Little Fujin is really his little lucky star.

"Cheng'er, you are so talented."

Tong Cheng'er shook her head and smiled, thinking how talented she is, the tuition fee was not enough when she was in school, and she applied for a student loan, so she knew so much.

Furthermore, she studied financial management, so she knows a little bit about it.

(End of this chapter)