NovelTags Chapter 137
Chapter 137
Chapter 0137 Finance is enough to change the world, so that the Daming soldiers can destroy a country without bloodshed!!
Zhu Yuanzhang and Zhu Biao were talking about Zhu Li's intention to issue new banknotes, and Zhu Li took the initiative to find it.
"Lao Jiu, you came just right!"
"Biao'er just told us that you are discussing with Zhang Zhen about issuing new banknotes?"
Zhu Yuanzhang asked Zhu Li straight to the point.
"Father Emperor Mingjian, the sons and daughters do have such ideas, and they plan to report to their father after the charter is confirmed!"
Zhu Li glanced at Zhu Biao and understood what was going on.
It must be that the eldest brother has already mentioned this matter to the old man.
In fact, Zhu Li did not intend to hide it, whether it was Zhu Biao or Zhang Zhen, they had talked to him about this issue, and these two people would definitely mention it to Zhu Yuanzhang in the future, which was also expected by him.
"Oh? Biao'er just told us what you think! "
"What we mean is that the problem of banknote design is secondary, and the main one is how do you plan to issue what you call a new banknote?"
"If you issue new banknotes, what about the Daming Treasure banknotes that we originally issued?"
Zhu Yuanzhang nodded and directly asked the question he was most concerned about
"Back to my father, my sons and daughters originally wanted to discuss this financial reform with my father, but now the development of Hanzhong and even the northwest has entered a high-speed stage, and the next step of financial reform is imperative!"
"Father and Emperor and eldest brother are here today, it's better for the three of us to sit down and drink tea while having a good talk!"
Zhu Li suggested with a smile.
"Well, that's so good!"
Zhu Yuanzhang nodded in satisfaction.
Only Zhu Li and their father and son were present, and Zhu Li took matters into his own hands and began to make tea with the new set of imperial ceramics given to Zhu Yuanzhang.
"What is the charter of the financial reform you just mentioned? What is Finance? "
Zhu Yuanzhang took the cup of top-grade big red robe handed by Zhu Li, took a small sip, and immediately showed a pleasant look on his face, and at the same time began to ask with some curiosity.
"Back to the father, the so-called finance is a way for the market economy to control capital and make capital profitable, in other words, controlling finance is equivalent to controlling the flow of most of the funds in the market, and wherever you want the money to go, it can go!"
Zhu Li handed another cup of tea directly to Zhu Biao on the side, and at the same time slowly opened his mouth to explain the concept of finance!
Of course, it is simple to say, but Zhu Li's explanation is only in an easy-to-understand way, saying a rough idea, real finance is not only that!
The most important thing now is to let Zhu Yuanzhang understand the concept of finance and understand the importance of finance!
In terms of finance, even if Zhu Yuanzhang is the founding emperor of Daming, he is equivalent to a little white!
Otherwise, the Daming treasure banknote issued by Zhu Yuanzhang would not have experienced several devaluations in just ten or twenty years, which also caused a certain degree of inflation!
Today's Daming treasure banknotes are no longer valuable, and compared with real money, the depreciation is too serious!
At the beginning of the issuance of the Daming treasure banknote, the denomination and silver can still maintain the normal ratio of one to one!
That is, a treasure banknote of one or two silvers is equivalent to one or two silvers, and the purchasing power is also the same!
But after several devaluations, the purchasing power of the Daming treasure banknote is now only about seventy percent of the original!
That is to say, the ten taels of the Daming treasure banknote can only buy seven taels of silver things!
It's like if you go to buy rice with 10 taels of silver, if you use 10 taels of silver, you can definitely buy it, but if you take the Daming treasure banknote, then there are more than 10 taels, and if you don't take a thirteen tael Daming treasure banknote out, people will not sell it to you
"To put it bluntly, finance is also a collective term for economic activities, if you take the entire Daming as an example, then the Daming Dynasty is a market economy subject!"
"How to flow most of the funds of this market economy according to the ideas we want, and control the economic activities needs to be achieved by financial means!"
Zhu Li was afraid that Zhu Yuanzhang and Zhu Biao would not understand, and he added two sentences again.
"You mean that with the finance you mentioned, you can control all the money of the Ming Dynasty?"
When Zhu Yuanzhang heard this, he was even more shocked!
In this regard, he was a little white, and after hearing Zhu Li's explanation, he felt even more unbelievable.
"It's okay to understand it that way. But even one country cannot control all the capital! As long as you can control part of it, and then carry out a reasonable guidance on the financial direction of the entire market, you can ensure that a country's economy does not collapse, which is also called macro-control! "
In other words, there can be an infinite number of capitals, but if capital wants to achieve profitability, it must be established within a basic framework of rules! The Daming Dynasty is the rule-maker of the Daming market entity! "
"The imperial court made the rules of finance, and then capital grew and rose within these rules! Those in power should be good at using these rules, or changing and introducing corresponding rules, to achieve a kind of control over the entire market economy! "
"Among them, the issuance of currency is the most important link!"
Zhu Li explained with a straight face.
Zhu Yuanzhang and Zhu Biao listened carefully with their ears upright, for fear of missing any of the key information, and at the same time, they also had a basic understanding of the financial concepts mentioned by Zhu Li!
Although they have never been exposed to such a concept as finance before, the two of them control Ruoda Daming and have issued Daming treasure banknotes, and it will be easier to understand than everyone else!
"According to your words, that is, the imperial court makes financial rules, and then let the capital you say operate within this rule, and the imperial court can hold this capital, right?"
"When you talk about capital, you can understand those rich businessmen and tycoons, right?"
Zhu Biao reacted the fastest and immediately said his understanding.
"Big brother is right, but it's not all right!"
"Capital is a general term for human beings to create spiritual and material resources, not just rich businessmen and tycoons!"
"In other words, all walks of life may form capital, just depending on the size of the economy formed by this industry!"
"Capital includes money, but it is not limited to money. Capital can cover all aspects of life! "
"Even medical care, education, transportation and other aspects can become part of the capital!"
"If you can control these industries such as medical care, education, and transportation, you are equivalent to having capital, and through this capital, you can naturally make money!"
Zhu Li continued to explain.
"So, in the Daming Dynasty, isn't the imperial court the biggest capital?"
Zhu Yuanzhang also quickly understood what Zhu Li meant.
"That's right, at present, the capital of the Daming Dynasty is more concentrated in the hands of the imperial court, but there is also a drawback, that is, it lacks vitality and market competition!"
"For a market to prosper, it needs the operation of countless active capitals, so that the entire economy, that is, money, begins to circulate in large quantities!"
"The son of the son should be able to understand a simple example, and the father and eldest brother should be able to understand!"
"The gap between the rich and the poor in the Ming Dynasty is huge, the poor have no money, the rich have money, such as those big officials and nobles, the money in the hands of rich businessmen and tycoons, the big points are pinched in their own hands!"
"If the imperial court wants to revitalize the economy of the Ming Dynasty, and wants to make the Daming Dynasty richer and the treasury more full, it must find a way to let these rich people release the front they are holding in their hands for investment and consumption!"
"In this process of investment and consumption, the wealth created is huge, and the tax will also be a terrifying figure, so that the Ming treasury can continue to accumulate and fill through the taxes of the market economy!" The imperial court will also become richer! "
Zhu Li explained with a smile.
"Let's understand, you treat the entire northwest as an economic subject, and then you come to formulate financial rules to let those rich businessmen and tycoons invest and consume in the northwest, which is also the foundation of the northwest's prosperity today!"
Zhu Biao's comprehension ability was obviously faster, and he understood the concept of Zhu Li before Zhu Yuanzhang, and it was directly applied to the entire northwest!
"Big brother is smart! That's it! "
"But this is only the most rudimentary operation!"
"If capital wants to really develop today, it needs one of the most important steps, that is, issuing currency!"
Zhu Li directly gave Zhu Biao a thumbs up!
"Why is that? Even if you don't use Daming treasure banknotes, can't you trade them directly with gold and silver? "
Zhu Yuanzhang asked with a puzzled look.
"Did Father Emperor ever think about why there was no problem when the Daming Treasure Banknote was first issued, but the more later, the less valuable the Treasure Banknote became?"
Zhu Li asked with a serious face.
Zhu Yuanzhang: "..."
Are you polite?
This is a direct question, a bit of a slap in the face?
On the issue of the Daming treasure banknote, Zhu Yuanzhang is also quite a headache!
At the beginning, when Daming issued the Daming banknote, it can be said that it was the power of the country, and the imperial court also stipulated that after the issuance of the Daming banknote, the circulation of gold and silver was restricted, and the market could only use the Daming banknote and copper plate to trade!
But now?
No one wants to use the Daming treasure banknote, most of them are taken by the imperial court as a reward for silver and sent down!
But it's still disliked like this, after all, it's not worth anything!
The people began to ignore the imperial court policy again, and began to use gold and silver to start trading, but Zhu Yuanzhang could only turn a blind eye, which is also a matter of no way, who let this Daming treasure banknote not contend!
He can't arrest all the common people and merchants who use gold and silver, can he?
Even Zhu Yuanzhang himself has no confidence in the Daming treasure banknote, and he wants real money and silver, how can he be embarrassed to do this?
"You just say it, since you ask so, you must know what the problem is!"
Zhu Yuanzhang was a little embarrassed, and said with a red old face and a little depressed.
"To put it bluntly, it's a matter of credibility!"
"The Daming treasure banknote has lost credibility in the hearts of the common people!"
"When the treasure banknotes in your hand cannot be circulated and used normally, the purchasing power begins to decline, and the credibility collapses!"
Zhu Li directly gave the most fundamental answer.
"A credibility issue?"
Zhu Yuanzhang and Zhu Biao couldn't help but glance at each other.
"The credibility of the currency is mainly twofold!"
"On the one hand, the Daming treasure banknote issued by the imperial court, to put it bluntly, is a kind of credit currency!"
"How can a piece of paper replace gold and silver? It's a relationship of trust in itself."
"You have to convince the common people that the imperial court has enough strength to issue so many treasure banknotes, and not let these treasure banknotes become waste paper!"
"To put it simply, these treasure notes must be exchanged for real money at any time! Can the imperial court do it? "
Zhu Li's easy-to-understand explanation made Zhu Yuanzhang and Zhu Biao suddenly realize!
Both of them have realized the fundamental reason why the Daming Treasure Banknote has depreciated so badly!
"To put it bluntly, the gold and silver reserves are seriously insufficient, you only have one million gold and silver, but you have issued two million treasure banknotes, once the people want to exchange, what do you take to pay?"
"Money is not the more you print, the better!"
"When issuing currency, there must be a currency recovery policy!"
"For example, if you are going to issue 10 million taels of treasure banknotes this year, then you must at least recover 10 million taels of old treasure banknotes from the Daming Market!"
"If the financial resources of the imperial court increase and there are more reserves of gold and silver, then the recycled treasure banknotes can also be reduced, such as issuing 10 million taels, only recycling 8 million taels, and the extra 2 million, that is the embodiment of economic growth!"
"Blindly printing more and more treasure banknotes will only make the treasure banknotes flooded in the market and less and less valuable!"
Zhu Li's explanation made Zhu Yuanzhang and Zhu Biao feel empowered!
"It turns out that the problem is here! We patronized the printing banknotes, but we didn't think about recycling the original Debao banknotes! "
Zhu Yuanzhang couldn't help but nod repeatedly
"Secondly, and most importantly, if you want a currency to be strong forever, you must bind hard currency!"
"Son-in-law, let's use another analogy!"
"Nowadays, salt, porcelain, tea, and silk in Hanzhong Province are all hard currency, and if the children stipulate that if they want to buy these things, they can only be paid for with the currency issued by the children?"
"Will there be a large number of rich merchants who will exchange this currency to do business?"
"As long as you can ensure that the purchasing power of this currency remains stable, that is, this year you can buy a bucket of salt with a face value of ten yuan, then ten years later, you can still keep ten yuan currency can buy a bucket of salt, and the reputation will naturally be established!"
"Everyone will know that this currency is definitely the most reliable!"
"The most important thing is that if the people of Fanbang want to come to Daming to trade, they must exchange real money for our currency, and the father and eldest brother think about what will happen?"
Zhu Li directly threw Wang out at this time!
"If the people of that state want to buy Daming goods, they must use real money and silver to exchange for our Daming currency!"
"Let's give them money, but real money and silver have entered Daming's pocket!"
Zhu Yuanzhang and Zhu Biao's eyes lit up at the same time!
"That's right, this is a disguised flow of gold and silver from other countries to the territory of Daming!"
"When Daming's gold and silver reserves are getting higher and higher, will there be more and more currency issued?"
"And more and more countries will also rely on Daming's currency for transactions, and Daming's currency will also replace gold and silver and become the strongest currency!"
"To put it bluntly, Daming's currency is not afraid of you at all. How much gold and silver you want to exchange, we have it all! But if you want to buy my Daming goods, you must buy them in Daming's currency! "
"In this way, not only the economy of 0.7 in Daming will be completely controlled by the imperial court, but even the economies of other countries will be influenced by Daming!"
"At that time, as long as Daming is willing, he only needs to blockade and suppress a country at the economic level, and he can directly drag down the economy of that country, and he can easily destroy a country without even sending troops to fight over!"
Zhu Li was still talking, and Zhu Yuanzhang and Zhu Biao's eyes were getting brighter and brighter!
After listening to Zhu Li's explanation, the father and son even unconsciously became short of breath!
How terrifying is it that the economy alone can bring down a country?
"Good!"
"We support you in financial reform!"
"The issuance of new currency will be left to you!" How do you want to execute, let's let Zhang Zhen fully cooperate with you, and the entire household will follow your arrangement!" "
Zhu Yuanzhang immediately slapped his thigh and immediately made a decision!
"Next, should we discuss the specifics of this new currency?"
Zhu Li didn't expect that Zhu Yuanzhang would actually engage in it without saying a word, and at the same time, he was a little surprised, and naturally he couldn't ask for it!
"Let's hear Biao'er say, you are going to print our avatars on these new currencies?"
Zhu Yuanzhang immediately became interested!
Before hearing Zhu Biao say that the emperor's avatar was printed on what new market currency, Zhu Yuanzhang's feeling was not so strong!
But now it's different!
He could imagine that as long as it operated according to Lao Jiu's words, Daming's currency was enough to change the entire world, not just the Daming Dynasty!
At that time, his appearance of Zhu Yuanzhang will also be seen by countless people throughout the world with this new currency!
How could this not make him excited?
"Good! The new currency that the children are preparing to issue and the Daming Treasure Banknote are completely two concepts! "
"And it can be based on the gold standard, absorbing all the gold and silver of other countries into Daming!"
Zhu Li nodded confidently...