After hearing what the emperor said, Zhang Feng sat in a more straightforward manner.

At this time, the turtle came in quietly holding a plate of cut fresh fruits, put them silently on the table, and then bowed and retreated. The eunuchs who served in the hall were also hidden outside the hall gate.

Zhu Yunxiu pinched a piece of cut tribute orange and put it slowly into his mouth. "The reason I want to tell you first is that you are about to take charge of the Ministry of Revenue. Before the Ministry of Revenue was in charge of a province, people who had managed a local area should have a broader horizon than ordinary people!"

"In recent years, Yunnan military immigrants have developed trade. Yunnan's tea, tree medicinal materials, well salt and various products can be sold, which shows that you are not a narrow person who focuses on agriculture and neglects business."

"I personally think that no farmer is stable, no businessman is not rich." Zhang Ju replied, "People despise business, but they do not know that the Western Regions during the Han Dynasty and Quanzhou and Guangzhou during the Song and Yuan Dynasties were all the lifelines of the country. Farmers nourish the people, businessmen enrich the country, and the world is full of profits, so it should not be ignored!"

"It's OK!" Zhu Yunxiu picked up a silk handkerchief and wiped his hands. "Song and Yuan dynasties have issued more paper money since the beginning of the dynasty. However, the official price is completely opposite to the civil price. The Guanchao issued in the early years of Hongwu is still not worth a bucket of rice."

Zhang Jue felt aroused in his heart and immediately said, "Do you want to send paper money? I think it is not advisable." He said, "Let's say that when Zhao Song was in peace, he paid money and taxes with the people, but only collected gold, silver, copper and silk, and the people complained. In the previous dynasty, the Yuan Dynasty, and the seals were random. When the imperial court was short of money, he used paper money to make money, which was not the way to govern the country."

"I don't mean to issue paper money." Zhu Yunfeng smiled, "I am thinking about a question. The paper money in the government is poor in the public, while the silver bills in the business are becoming more and more prosperous. What is the reason?"

"Take Yunnan as an example, I have heard a little about it. Bulk goods exchanges, storage and transactions are all used for bank notes. In Beijing, silver notes and gold notes from money shops in various parts of Jiangnan are exchanged as soon as they see them, and it is popular among the people."

Zhang Yu pondered for a moment, stood up, "I dared to speak out!" As he said, he paused, "The word "credit!"

Then, looking at Zhu Yunyu's face, he continued to speak, "The government is in the hearts of the people..."

"I understand that the people always cannot trust the government." Zhu Yunsheng smiled, "It is understandable, who made the government only know how to exploit it? Although merchants value profit, they understand that credit is the way to establish themselves and have faith. Unlike the government, whatever they say is, and the people who suffer losses have no place to reason."

As he said that, he took a sip of tea and said, "But the ticket number has given me an inspiration. I want to open a ticket number that is officially launched!"

Zhang Feng was stunned and his heart was beating wildly.

"It's like the military pay of all towns in the world is transported by the Ministry of Revenue every year. Not to mention the difficult journey, it is often 60% of the soldiers who can get 100% of the soldiers, which is considered burning incense."

"If you use silver notes instead," Zhu Yunxiu pondered, "I think this is my idea. All the soldiers and officials in the world register and make a passbook according to the number, indicating their names and military salaries. The soldiers themselves or their families can take their passbooks to the local ticket number to cash out."

"The bill number is a bonus when it is discounted. If you don't want to cash it, you can store it. The bill number will give you a certain amount of money and interest. Whenever there is a war, the court will continue to reward you with kindness, and the bill number will be rewarded in this way."

"It is equivalent to the Ministry of Revenue directly paying money to soldiers and officials, which can save money and exploitation, and can also prevent the blood of soldiers and eat empty wages. What do you think?"

Zhang Jue sat upright, frowned and thought.

"I said something inappropriate!" Zhang Feng did not flatter him, but his expression was extremely solemn, "Your Majesty, you have thought it simple!"

Zhu Yunxiu was not angry, and had a faint smile on his face, signaling the other party to continue.

"Although I have not been an official in the center, I also know that the court's annual military expenditure is sufficient. However, whether it is distributed or not depends on the Ministry of Revenue."

"Even if the treasury has money, there is never a real salary and the payment is delayed. Set up a bank under the Ministry of Revenue to pay military salary. If there is any delay or the treasury is tight, where will the money come from?"

"Where is the reputation of the court at that time?"

"In addition, even the taxes collected by the imperial court every year, even the Lianghuai salt water used for military expenditure are mixed with silver, copper, cloth, grain and other substances. If they are all replaced by silver and money, where can the treasury get so much silver?"

"Even if the treasury has money,..." Zhang said, "Who can guarantee that this money can always be used for special purposes?"

In fact, what Zhang Xu said was already very implicit. The biggest obstacle to the execution of money houses was precisely the court and the government.

"Get up first and listen to me!" Zhu Yunxiu raised his hand and continued, "I have the same concerns as you, so what I think is that this money house can be run by the official, but not the state-owned one!"

Suddenly, Zhang Feng's eyes lit up.

"Application for bank notes to exchange military salary, salary, etc. requires a large amount of gold and silver as reserves." Zhu Yunyu said, "At present, this money can still be taken out."

"I made a decision to withdraw 30% of the tax silver from customs in various places this year. At first, it was calculated that it was about 250." As he said that, Zhu Yunxiu thought for a moment, "Before the annual closing, the tax silver from customs in various places was released to the capital, and three million integers were taken out. From now on, the total tax silver from customs in various places will be used as a regular example."

"I will take another million silver in my inner treasury. This calculation will be a huge sum of four million, which is enough for reserves at that time."

"You don't know about something. The Jinyiwei has explored several silver mines in Japan. The famous princes in the Dongying have already been granted to the Ming Dynasty for exchange..."

"Anyway, it won't take much time, and the silver mine will be owned by the Ming Dynasty. I plan to in the future, the mining rights of silver mines found overseas in this way belong to the money house, not the Ministry of Revenue."

"At the same time, we will sell the equity again, attract the world's wealthy merchants to invest, and the Ministry of Revenue will take out another sum of money. This money bank is my, the Ministry of Revenue, and those shareholders have it together."

"There will be no misappropriation of this money by three parties, and no one will be misappropriated."

Zhu Yunxiu paused and continued, "People tickets can do business, but this money shop can do it. In addition to the annual military salary and salary being injected by the court, the rest are borne by the profit and loss."

Speaking of this, he smiled and said, "I also had such an idea on a whim. Economics is not my strength, and you officials need to focus on specific matters."

"Can you do it!" Zhang Feng suddenly shouted loudly.

His attitude at this time was completely opposite to what he had just done.

"If I say something wrong, the government may not have much credit among the people, and the credit of Emperor and Emperor is unmatched!" Zhang Feng smiled, "In fact, recruiting shareholders alone is enough to reserve the money house."

As he said that, a trace of ferocity suddenly flashed in his eyes, "If there is really a silver mine, no matter how you do this transaction, you will not lose money!"

In Zhu Yun's mind, money houses are absolutely necessary to be established, because they are a catalyst for business and an important part that cannot be avoided by business. Especially in the future, the island links of the Ming Dynasty continued to expand, and money houses played a great role.

"But..." Zhang Feng paused, "I'm afraid this matter is difficult..."

Zhu Yun knew the meaning of his words.

Such things will inevitably cause storm and waves at court meetings. The old masters must spit out their spits and speak out in a desperate way.

"So I just said that you still have to focus on this matter." As he said that, Zhu Yunyu picked up the tea bowl and blocked half of his face.

"The emperor means, will I jump out as an introduction?"

Suddenly, Zhang Feng understood.

"The emperor gave a general idea, and then discussed it with the people of the Ministry of Revenue on a small scale, formulated the rules and regulations, and wrote it to the letter in his personal name, and then the emperor took it to the court for public discussion!"

After digging a hole for the other party, Zhu Yunyu blushed slightly, put down the tea bowl and smiled, "Zhang Aiqing, you have been in the local area for a long time and are well-versed in economics. I can only tell you these things, and I can't even mention them by others."

It's already this point, and it's useless to refuse.

From being a polite and a wise man at the beginning to pushing people into a pit, the emperor has already made plans, so why did he refuse?

Zhang Feng made up his mind, "Your Majesty, what name should I use if this money house is prepared properly?"
Chapter completed!