Gou in Daming, I was overheard by Zhu Yuanzhang

Zhu Yunxi was amused to hear that.

Zhu Yuanzhang also had a funny side.

For Zhu Yunqi, there was a small reversal of first rising and then falling.

Could it be that the cross talk actor who suffered from communal coma crossed time?

Zhu Yuanzhang rejected Zhu Yunqi's proposal, and was about to explain why, when he saw Zhu Yunqi changed his mind.

If you really tell the reason, will Zhu Yunxi find something wrong?
Having spoken out what Zhu Yunxi was thinking, Zhu Yunxi might be aware of his special function of eavesdropping.

At that time, what should Zhu Yunxi do if he wanders into the sky and shuts his heart?
"In private business, one is willing to fight and the other is willing to suffer. How can we force it? The common people trade in taels of silver. It is not their fault, but the incompetence of the government!"

Zhu Yuanzhang finally found a grandiose reason.

The common people are right, and I am also right, the fault is that you courtiers did not handle things well for us!

"Sure enough, old Zhu loves the people like a son, and he really doesn't just talk about it!"

"From ancient times to the present, emperors have been shouting: the people are the most important, the country is second, and the king is the least."

"Li Shimin extended the theory that water can carry a boat and also overturn it from Xunzi's theory of "the king's boat and the people's water."

"But which emperor can really stand on the side of the common people?"

"Since ancient times, it has been nothing more than: Prosperity, the people suffer; death, the people suffer."

"But Lao Zhu is different. He is the true love of the people among the feudal emperors!"

"Officer, I hate Lao Zhu so much!"

"Min, I am grateful to Lao Zhu!"

"Old Zhu, I support you!"

Zhu Yuanzhang listened to all kinds of flattery all day long, and he became numb.

But hearing Zhu Yunxi's praise, every pore of his body felt comfortable.

Because he knew that his emperor's grandson's praise was not flattery at all.

Fan Min is the Minister of the Ministry of Household Affairs, so it is he who bears the brunt of "the government is incompetent" when His Majesty said.

"Your Majesty, the reason why the common people are more willing to have silver taels is mainly because they are not used to using precious banknotes, and we are short of copper, and the copper content of Tongbao is too low."

Zhu Yuanzhang sighed in his heart, why didn't he know it.

"It's not just the Ming Dynasty that lacked copper, but all dynasties have lacked copper!"

"Because of the lack of copper, iron coins were developed in the Han Dynasty and were still used in the Song Dynasty. But iron coins are easy to rust and difficult to preserve."

"However, this is not the fundamental problem. The fundamental problem is that your banknotes are just paper. You have not set up a reserve fund, but you stipulate that it can be exchanged for gold, silver and copper. Isn't that ridiculous?"

reserve?What is a reserve fund?
Some strange words often came out of the mouth of the third emperor.

I didn't quite understand it at first, but after thinking about it carefully, I found it very reasonable and funny.

"Precious banknotes with a consistent face value can be exchanged for a thousand copper coins or a tael of silver. The key problem is that the amount you issue far exceeds your copper and silver reserves!"

"This has led to the depreciation of the treasure banknotes, which are worthless!"

"Think that money is just printed? There is no metal or other physical object behind it. The more precious banknotes are issued, the more they will depreciate. Who would want to use your precious banknotes?"

"If printing money can solve the problem, then it will be easy. Farmers don't have to grow food, businessmen don't have to do business, and mahjong tables are set up in handicraft workshops. The world is yours!"

Hearing this, Zhu Yuanzhang finally understood what the reserve was.

In the past, he had been marching and fighting, and conquered Beiyuan after he became emperor.

Immediately afterwards, a series of measures were taken to resume agricultural production.

He is a farmer and has a good understanding of agricultural production, but he has not studied finance in depth.

Zhu Yuanzhang's learning ability is particularly strong, and he has a weak cultural foundation. Through reading books by himself, he has achieved a lot in couplets.

Today, when Zhu Yunxi said this, Zhu Yuanzhang seemed to be enlightened and suddenly realized.

Finally, I understand the real reason why ordinary people are unwilling to use Baochao and Tongbao.

It's not because of poor promotion, but because of the depreciation of treasure banknotes and the worthlessness of Tongbao!
Fortunately, the emperor and grandson are by his side, otherwise, he would have been fooled by these ministers.

"Fan Min, let me ask you, how many banknotes have we issued, and what is the total face value? How much silver can be exchanged for ordinary people?"

Zhu Yuanzhang's question shocked Fan Min all of a sudden.

These numbers, whether in the account or in the heart, are not counted!

"Your Majesty, the Ministry of Households only has the detailed registration in the Yellow Book of Fish Scales. In the five years since Hongwu, treasure banknotes have been issued more than ten times. There is no detailed statistics on the total denomination."

Fan Min wiped his forehead with his sleeve: "There is not much silver in the treasury, and most of the silver is scattered among the people. It is really difficult to cash the treasure."

Hearing this, Zhu Yuanzhang was a little angry.

It turned out that Fan Min also understood the "reserve money" that Huang Sun talked about.

That is to say, there must be a clear correspondence between treasure banknotes and real objects.

Now, there is not so much silver in the treasury.Silver is among the people, and no one is willing to exchange it for precious banknotes.

In this way, wouldn't the precious banknotes become a pile of waste paper?
Fan Min was still fooling himself just now!
"My Ming Dynasty is different from the prairie barbarians like Bei Yuan. They can have no finances, no currency, and go south to hunt grassland when they are short of food. My Ming Dynasty must have stable finances."

"With stable finances, there must be stable currencies."

"Tell me, to issue treasure notes, what kind of objects should the imperial court and the government below use to correspond?"

The ministers all frowned and thought about it.

"Old Zhu also has research on finance? It just overturned my cognition!"

"Since the Qin and Han Dynasties, the bureaucratic system has been divided in general, either civil servants or military generals, which is too simplistic."

"The more the times progress and the more the economy develops, the more professional the officials in charge of governance must be."

"I know how to fight wars and write articles, but I can't cope with the increasingly complex social development."

"The literati who come out of the traditional imperial examinations, apart from being able to chew on words, really don't know anything else."

"Da Ming, there is such a shortage of professional talents! There are no people who understand and understand finance."

Zhu Yuanzhang was praised by his third grandson again, and while he was happy, he thought again.

Since ancient times, the army has not moved, and the food and grass have gone first.

Without good financial management experts, you will not have the confidence to fight.

The reason why I was able to defeat the Yuan Dynasty was largely due to Li Shanchang.

Li Shanchang was good at managing money, while Zhu Yuanzhang only cared about fighting and never considered whether there was enough money or food.

His contribution is comparable to Xiao He, the prime minister of the Han Dynasty.

However, he promoted Hu Weiyong, did not report Hu Weiyong's rebellion, and pretended to be deaf, so he was killed.

Now, there is really a lack of financial management experts.

Listening to Zhu Yunxi's voice, it can be concluded that Zhu Yunxi is a talent in this area!

It's just that he has been keeping a low profile.

To solve the problem, the only way is to let him stay by your side and find a solution from his inner voice at any time.

Qi Tai, Shangshu of the Ministry of War, went out to play and said: "Your Majesty, I believe that the real thing corresponding to the treasure banknote should be food."

Seeing that Zhu Yuanzhang did not respond, he continued: "Food is the most important thing for the people. The thing that will not depreciate is the most important thing for the common people. Food."

"With food as a physical counterpart, the treasure banknotes will definitely not depreciate."

"Moreover, there are grain depots in every prefecture and county, so it is more convenient for the common people to exchange."

Many officials nodded, thinking that what Qi Tai said made sense.

Zhu Yuanzhang thought for a while, and Qi Tai also spoke to his heart.

No matter what you do, you must start from the perspective of ordinary people.

The same is true for the occurrence of treasure banknotes, and the corresponding objects should also be commonly used and must-use items by the common people.

Zhu Yunwen looked at Zhu Yuanzhang's imperceptible chin, and immediately said: "Grandpa, my grandson thinks what Master Qi said is very reasonable."

Zhu Yunxi looked at Zhu Yunqi, then immediately lowered his head.

Ok?
Zhu Yuanzhang raised his ears reflexively.