Chapter 823: Profits from treasure money without losing money
"Do you want that mountain?" After Zhu Yuanzhang finished talking about the cow, he thought of the question just now.
"Your Majesty, it's better to keep that mountain." The village chief refused, not wanting it, Hanhan said, saying that the place might be used in the future.
That's where the Xiaoling Guards are located, who guard Xiaoling. Xiaoling has not yet been built. Historically, it was built in the 14th year of Hongwu. It is located southeast of Xiaqiu Village now.
It was repaired in the 14th year of Hongwu. Queen Ma died the following year. From this, Zhu Wentian judged that Queen Ma had a chronic disease.
It is generally related to eating habits, work and rest patterns, and emotions.
Xiaoling Tomb was obviously not in a hurry to repair it, and Queen Ma did not have any problems. Normally, she would not have any symptoms, especially fatal ones, in the 14th year of Hongwu.
Zhu Yuanzhang stared at the director for a few seconds and shook his head, "If you don't want it, don't. If you see a good place later, tell us."
Walking around the group of people Go back and rest, you have to go to court tomorrow.
"Quickly, give me fifty guan of treasure banknotes. If you want a Wen, don't get a Guan. If you don't want 50 Wen, I will pay them wages."
Early in the morning , when the people at the box lunch restaurant started to prepare the meals, someone came over to change the money. He took the silver, some big and some small, irregular in shape. Apparently, he cut the big pieces into small pieces and weighed them with zi.
It is very troublesome to buy and sell things with silver. You need to find a place with a box. The box is highly accurate and ordinary people cannot afford it, let alone have a box ready at any time.
Weighers are packed in long small boxes, which can be taken out to weigh precious metals when needed. Pharmacies also have them for weighing medicines.
Seeing a bunch of silver lumps, the person in charge of the Xiaqiu Village asked the other party to wait while he went to the rouge and gouache shop to get some expensive cosmetics.
The silver is weighed little by little, this is fifty taels, and weighed together it is very heavy.
"Why does shopkeeper Huang buy so much?" the villagers said while chatting and remembering. They got to know each other. They always go to the box lunch shop to eat box lunches because they are cheap.
Don’t look at people who can exchange for fifty gu of silver. They are usually very frugal, and sometimes they buy sizzling chicken racks to drink at night.
"I changed it first, because I'm afraid I won't have treasure money in the future. Let's think about it this way. Giving treasure money to people who work is equivalent to giving them more money. At the same price, we can find people to work. They are willing to come to us."
Shopkeeper Huang told him his little plan. Baochao will get a discount on shopping at the store in Xiaqiu Village, including half the sizzling chicken rack.
I didn’t have time to change them last night, so I lost money. Today I have to buy three for two cents to make up for what I lost yesterday, otherwise I won’t be able to sleep well.
The villagers nodded, "It's a good idea, but there is still a lot. I plan to release 50,000 guan in one day and finish it in 30 days."
"I can really use treasure banknotes to exchange for gold and silver." Copper coins" Shopkeeper Huang wanted to confirm.
"You have to find someone else to exchange the copper coins. We will only exchange them for gold and silver. We will issue as many treasure notes as there are gold and silver in the palace. We are not afraid of changing them."
"Yes, you can still earn one point, and there will be a handling fee when you exchange it."
"There will be a handling fee later. If you exchange treasure banknotes for gold and silver, the gold and silver will have to be moved around. It’s appropriate to charge a 10% handling fee.”
“I don’t think anyone will be willing to exchange it. Anyway, we can rest assured that the palace has made a lot of money, and the business in Xiaqiu Village accounts for 80% of the palace’s profits. You can make money in any business, but department stores are even more powerful."
Shopkeeper Huang said that he trusts the imperial banknotes and is not worried about depreciation. Businessmen are the most sensitive to this information.
What ordinary people see is convenience, and they feel safe shopping on the same street in Xiaqiu Village.
Businessmen look at strength and reputation. The Painting Library is a symbol of credibility, and trading is a sign of strength. In order to sell things, many factories are built specifically.
There are also the industrial zones on the east bank of the Qinhuai River, the iron mines in Ma'anshan, the steel tools sold by the imperial court, and the steam engines running up and down the Yangtze River
With these things, businessmen I have the confidence in my heart that any one of them can be exchanged for a lot of money.
“I’ll give you five more coins.” After weighing the money, the villagers found it was too much.
"Exchange, exchange for thirty-one Wenbao notes." Shopkeeper Huang had no intention of taking the money back.
"I gave you thirty-two cents. In fact, the silver will be lost when it is melted back, but it does not need to be borne by the person who replaced it." The villagers gave one more cent, and the five cents of silver should be thirty-one-two cents. Five articles.
Both parties counted money. Shopkeeper Huang wanted a small denomination so that he could easily pay his wages. Once he had finished counting, he was not in a hurry to leave. He sniffed and said, "There are fried cabbage today."
" Vinegar cabbage, shredded pickled radish, dried cowpea fried in oil, cucumber scrambled eggs, oyster and leek soup." The villagers reported the dishes for the lunch.
“Today’s is so good that there are cucumbers. We have a problem. The treasure banknotes are beautifully printed, so I think I spent a lot of money. I can’t put away the gold and silver that I collected, plus the fire consumption. We, the Ming Dynasty, are not losing money by issuing treasure banknotes."
Shopkeeper Huang has decided to come over for lunch. With the three currency banknotes, maybe he can get half an extra salted duck egg, or one.
He just I don’t understand why it is necessary to print treasure banknotes with collateral, it is not cost-effective.
The villagers put away their coins, "Gold and silver are inconvenient to carry, let alone copper coins. The court needs copper to make weapons. Only with weapons can there be stability.
Like businessmen , it is easier to carry out trade with the treasure banknotes, which saves some costs during transportation.
Then you pay taxes, the court collects the treasure banknotes, and releases the treasure banknotes for gold, silver, and copper, and you get the gold. Silver can be used as collateral.
If the tax on gold, silver and copper is collected, the government can only use the money to purchase private goods, or start projects, repair water conservancy, etc.
Some people collect gold and silver but don’t spend it, and now they ask for treasure notes. If they keep them, they will lose their value, because when there is more gold, silver and copper, they depreciate.
If I want to exchange for treasure money, I won't exchange one tael of silver for a single coin, but instead exchange it for nine hundred, eight hundred, or seven hundred coins.
The gold and silver you keep seems worthless, so you can only exchange them for the convenience of the court, speed up currency circulation, and collect more taxes.
In the future, there will be a gold and silver shop in the village, called a bank, not a bank. If you have more money, you can take it and put it in the bank without taking any money from you.
The bank lends money at low interest rates and makes profits from it. Of course, the village will not make any money, so it has to hand it over. ”
“Why don’t we lend it to you ourselves? It’s better to keep our money and not accept our money.” Shopkeeper Huang couldn’t figure it out again.
“Because the bank issues you a bill, you can take the bill to another place to withdraw money. If the bill is lost and the money is not withdrawn, you can come back to make up for it. bill.
You may be robbed or lost with the money in your pocket. It is useless if you are robbed with the bills in your pocket, but you can replace it if you lose it.
Of course, we can give you interest in the future, which is equivalent to a bank borrowing money for you at a low interest rate and then lending it to others with interest.
You borrow it yourself, what if you can’t get it back? Human trafficking is not allowed now. You can’t use others to pay off your debt. ”
The villagers patiently introduced that there are banks that help save money, and they may not necessarily lend it to the private sector, but may also lend it to industrial zones.
It depends on what the private sector will use it for. , it’s no problem to buy fertilizers and pesticides, but not to brothels and gambling houses.
Shopkeeper Huang thought, “I don’t know much about it. I’ll go back to find people to work first, and bring them to eat at noon to save money. ”
As he spoke, he carefully put the treasure banknotes into his arms, patted them again, and then left.
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