After talking about the matter of the order of Geng, the emperor felt much more relaxed.

But his surprise was more than that.

Liu Mingqi then said: "Your Majesty, although I don't know the specific steps about the land purchase and sale at the junction of the three provinces, I think there is a way to solve the problem of lack of money."

"Oh?" Jing Hedi was surprised and happy, "Speak quickly!"

"The court wants to collect money from farmers to buy land, but farmers don't have money but want land. So we just need an intermediate guarantee." Liu Mingqi said: "Call the people from several major money houses in the world and ask them to borrow money from households one by one, and then the people hand over the money they borrowed to the court. This is all very happy!"

Jing Hedi's eyes widened, he was happy first, and then frowned.

He said after a moment, "You are not right! Although the court obtained the silver and the farmers obtained the land, they owe money from the silver house. Is the money from the silver house so easy to get? They don't give money to profits? How expensive is this?"

"This is also simple." Liu Mingqi said: "The money shop must make money, so we assume that farmers can spend five years repaying the loan, but the interest is no longer necessary. Didn't the court plan to make eight taels of silver per acre of land? Then the price will be raised directly and sold nine taels of silver per acre, and the extra one tael of silver will be calculated as interest for five years."

Emperor Jinghe's eyes lit up again when he heard this.

This method is good!

The farmers don’t have to discuss with the money shop how much profit they have. The money shop doesn’t dare to accept them too much, everyone treats them equally!

But then he had another problem: "Do you think it's possible to pay back all the money in five years? I don't think it's possible to pay it back in ten years!"

Liu Mingqi laughed: "That's even simpler! As long as the imperial court recovers, it is responsible for purchasing their grain every year. It can buy it at a price slightly higher than the market price. Wouldn't it be possible to subsidize more to the people?

By then, starting from the second and third years, if our situation improves, they will be exempted from taxes, allowing them to sell more food to the court and make more money!

After more than half a year of war this year, the inventory has been used up for several years. Which border city does not lack food? Besides, it also requires a lot of military rations to guide Nanzhao, so we can buy as much as they have, and we can't lose them!"

"Wonderful! So wonderful!!"

Jing Hedi also laughed and was very happy.

After Liu Mingqi's combination of punches, all the problems were solved immediately.

The court received emergency funds.

Farmers get fertile land.

Money shop merchants can also make a certain profit.

Even these refugees who lost their land can take root in the Gyeonggi area, which is also worthy of joy!

From this perspective, didn’t everyone lose any losses and gain benefits?

Mingqi’s genius head is such a blessing for great prosperity!!

But he thought of another question: "Is it too little to give eight taels of silver the principal, and only one tael of silver for five years? Can the merchants agree?"

This is indeed a problem.

The profit in five years is 12.5%, which is lower than that of the four major state-owned banks and even more unscrupulous!!

The profit money in ancient times was far higher than that in modern times.

Not to mention those unscrupulous usury merchants, even normal money houses lend money, they can't imagine the profits of less than 20% in five years.

They give a lot of face to make a 10% profit every year.

The emperor is not stupid.

He knew that if it was a few million taels, the money house might sell the imperial court for a favor.

But if it is tens of millions of taels, it will take up a large amount of capital of the money house, and they will not be able to suffer such a loss.

No matter how powerful your emperor and the court are, I will say I don’t have it, what can you do!

You can't just search the family and exterminate the clan because of this, right?

Taizu had specially given strict orders.

Unless the merchants have committed serious crimes, they are not allowed to discriminate or force them.

On this point, even the Legalists who look down on businessmen the most will try their best to complain to them.

The Legalists started to make trouble and no one could get peace.

Liu Mingqi also understood this, so he had already made plans: "On the contrary, we will definitely only give them one or two silver dollars, but we can give them other benefits to compensate!"

"What's the benefit?" Jing Hedi looked at him, "Mingqi, don't do anything randomly!"

"How could I do anything random?" Liu Mingqi said: "Your Majesty, what do you think the money house wants the most?"

"Make money!" Emperor Jinghe is not confused.

"How can I make more money?"

“There are more people saving money and then more money to lend.”

"right!"

Liu Mingqi clapped her hands, "We will use more than 200 million taels of silver in the past three years! We will put this money with them and don't have their interest. Just wait until we need it and take it out in batches.

Because they are not taken out at one time, they can do business based on this time difference! With a large capital, the profits they earn will be greater! The benefits of more than 200 million taels of silver are huge!

Besides, the common people don’t have to touch the money directly, and the money bank and the court settle it! The money bank does not have to give cash to the court. When the court wants to use it, just transfer it directly from the money bank account. How convenient is it?”

"Wait a minute!"

Jing Hedi took a breath, "You have deposited all this money in their money house. What money does the Ministry of Revenue have? What if the money house goes bankrupt and collapses?"

"Isn't the tax and silver collected normally by the Ministry of Revenue in their warehouse?" Liu Mingqi said, "These more than 200 million taels of silver are just an extra one! It's only three years, so don't be afraid.

Besides, whether they go bankrupt or not is not their final decision! As long as Governor Gao supervises all their fellow villagers, can they escape? As long as the people are still there, are you afraid that you can't get the money? The embroidered guards are not a good meal!"

Jing Hedi nodded.

This is a solution.

Dakang's money house is actually very advanced.

Many people don’t know that in ancient times, money shops often had to charge you for storage fees when saving money, and then lending to others and collecting interest, which belongs to both sides.

When did this change?

It is when the money in the entire market is getting less and less than enough, and the economy is getting better or worse, and people want to borrow more money.

In order to have more money to lend, they simply let the depositors get some interest on savings, so they can attract people to deposit money, and then use the money to lend money to high amounts.

To put it bluntly, it is to earn interest spreads.

This is what many modern banks do. They have the entire country behind them. When they encounter bank runs, they have the support of the state's treasury. When borrowers go bankrupt, they can pay their accounts first as soon as possible.

That's why our bank has become a cosmic bank, a major overlord.

Now Dakang's money house has evolved to the point where it pays interest to depositors, and is already very close to modern banks.

Liu Mingqi asked the Ministry of Revenue to deposit more than 200 million in their money house, but did not receive a penny of interest, which gave the money house a great discount.

Even in this three-party transaction, although the transactions between each other were completed, the money dealer did not need to pay money, which was equivalent to a virtual transaction. However, they had to prepare enough money in the future so that the court could use it immediately when they wanted to use it.

But this does require a high level of money bank.

If it is a dishonest money house or a money house with too much gambling, it is easy to get away with so much money and end up losing all your money.

Sometimes they do not do it on purpose, but everyone has any mismanagement, so it is no wonder.

Then they will be cut into pieces and even such a huge amount of capital will not be able to be restored.

After thinking about it, Liu Mingqi continued: "Your Majesty, if you consider that you can make money houses, then there are still a few necessary elements that you need to pay attention to."

Jing Hedi raised his hand: "You said!"

"First, the scale of the money house cannot be small. The scale of the capital itself must be more than 50 million taels of silver. It must be inherited by at least 30 years or more. Only in this way can one cherish one's own brand if one has a family inheritance.

Second, the owners behind the money shop must be local gentry and wealthy people, who have been rooted in a place for several generations, with sufficient commercial capital and land capital, so that they can prevent them from paying back their debts in the end.

Third, if we meet the above two points, we must choose at least five money houses to diversify risks, so that it is easy to allocate funds from various places. For example, if the money houses in Jiangnan cannot manage Sichuan, it is difficult for Sichuan to make a difference in Guangdong.

Fourth and most importantly, Ge Songdao came to arrest this matter personally, and he summoned the group of money shop owners. I don’t believe that there are any businessmen in the world who are not afraid of Ge Killing God!"

Emperor Jing He nodded first, then praised, but finally laughed.

"In fact, Honglian is also a pitiful person! He suffered such a big blow." He defended Ge Songdao and said, "But it's good to let him supervise! I can trust him!"

The emperor was very happy as he spoke.

He expected that Liu Mingqi would solve the problem so quickly.

It was a very complicated and difficult thing in itself. He found an intermediary so cleverly and immediately solved the problem.

With Ge Songdao supervising, let alone these merchants, even the chief officials of the border have to jump three times!

"Apart from these, I think Cao Xiang and the others are saying it well." Liu Mingqi added: "The court should send capable and capable officials to the junction of the three provinces to strictly investigate various encroachments, various violations, and clarify all wasteland soil. Otherwise, our income of tens of millions of taels of silver would be nothing more than empty talk!"

"Well, I know."

While Emperor Jing He nodded, he asked casually, "According to your observation, who can go?"

"Is this more important?" Liu Mingqi replied: "It must be young and energetic, and you must be motivated. Don't those old men. They don't have any aura and dare not offend others. Oh, by the way, Wang Zhigeng is exception!"

Jing Hedi smiled without realizing it.

Wang Zhigeng tried to put Liu Mingqi to death twice in a row, and every time he was under tremendous pressure, never afraid of anyone, but a person who was so hard that he could not be harder.

It would be a good idea to send him over!

Zhao Shou wanted to remind the emperor that Liu Mingqi was a royal family and could not express opinions on major events in the court.

But then I thought that Liu Mingqi himself is the emperor's think tank. If he didn't dare to speak at this time, then what's the use of a think tank?

Besides, look at the person Liu Mingqi is talking about. Can Wang Zhigeng be Liu Mingqi’s gangster?

It's simply impossible!

Therefore, Prince Yu's words must be out of public opinion.

Thinking about it, I proposed several times that Prince Yu came over to discuss his views, but it was also a violation of the rules.
Chapter completed!