Chapter 78 Grenade Standard

night.

"Your Majesty, your fundamental problem is credibility.

You have no credibility!”

Yang Feng said very directly.

Zhu Yuanzhang took a deep breath, as if telling himself to hold it back...

"It's not just you, in fact any emperor has no credibility, because you have the power of life and death. You can default on the debt, rob, kill the whole family and then lose the country. So if the money is placed with you, if anything happens in the future, the depositor will be responsible."

They can only accept it. Even if you embezzle it directly, they can only tolerate it.

Can't bear it?

You will kill their whole family.

In this case, not only can they not deposit money with you, they can't even let you know that they have money.

I have to guard you like a thief.

It's useless for you to be angry, what I said is all true.

Besides, there is no need for you to be angry. This is not directed at you, but at all monarchs. Even if it were the so-called Holy Lords and Lords, the result would be the same."

Yang Feng continued to stimulate him.

"I came back to you to solve the problem, not to let you talk nonsense here."

Zhu Yuanzhang said.

His grandson stood there with a shocked look on his face.

Someone dared to speak like this to his grandfather, which already shocked him. If he could speak like this without being dragged out to Lingchi, it would shock him even more. Therefore, Huang Zicheng said that Yang Feng was rude to him, which is completely nonsense. Yang

Feng was not rude to him. In fact, Yang Feng was rude to anyone. In comparison, Zhu Yunxi felt that Yang Feng already respected him very much. If Yang Feng really knelt down to him, he would be frightened.

Breaking into a cold sweat.

"It's very simple. I will do it, or Daxia will open this bank."

"Are you more reputable than me?"

"Don't tell me, at least I have more credibility than you.

But my credibility is definitely not good either.

So, I'm going to use something else."

Yang Feng said and took out a grenade.

The Jinyi guards screamed and quickly pulled out their knives one by one, but then Zhu Yuanzhang waved his hand to indicate that they did not need to panic, and then looked at Yang Feng's grenade with interest...

"I can indeed buy it at a high price."

he said with a smile.

"One hundred strings."

"Yes, this thing is worth the price."

"That's enough. You authorize me to open a bank in the Ming Dynasty in the name of the Great Xia Kingdom to absorb private deposits. For every one hundred coins deposited, I will give the depositors a grenade, but I will not give it to them. They will withdraw it later.

When the deposit is made, the grenade must be returned.

If I can't give them the deposit, or can't cash it out with interest, then they can sell you this grenade.

As for those who don’t have enough money, there is no such thing.

But you also need to take a little risk.

Because it is very likely that someone will just throw a hundred coins to me just to get this, and then take this away to do other things."

Yang Feng said.

"I'm not afraid of this yet.

What's more, even if it does exist, if one or two coins are worth ten or twenty coins, what can be done in the end?

How many soldiers can be killed?"

Zhu Yuanzhang took a grenade and said calmly.

"This is the heroic spirit."

Yang Feng quickly eased the relationship.

"But since it's you who opens the business, then any losses are your own. How can you protect yourself from losing money?"

Zhu Yuanzhang said.

"Please tell me the truth!

I will lend these deposits to you. When you need money, instead of continuing to print money, you will borrow money from me for a few years and then repay it with interest. In this way, you can receive the excess private banknotes in the bank.

, the bank then lends you money, and you then distribute it to the private sector. When the private sector saves more, it deposits it in the bank, and the bank lends it to you again, and so on.

As for what I give to depositors, I don’t give it all at once. I give one today and one tomorrow. This way, I don’t need their deposits to be in my hands, as long as what I keep in my hands can meet their daily needs for withdrawing money.

What's more, if it's really not enough, you can print more for me.

This counts as your capital contribution.

In this way, if you have enough money, private banknotes will not accumulate or depreciate in value."

Yang Feng said.

So Zhu Yuanzhang is equivalent to the central bank.

"In this way, all the hard work and sweat of the people are finally gone like water in the middle."

Zhu Yuanzhang said with great interest.

He is a sensible person and can see the key to this operation at a glance.

"What you are saying is called economy. Besides, those who have money in the bank are ordinary people. The money they collect in a year may not be enough to buy clothes and eat more meat. Those who really have money in the bank

They are all rich people.

But you took the money to reward the armed forces, to relieve the victims, and to repair local water conservancy projects.

This is robbing the rich and giving to the poor!”

“Robbing the rich and giving to the poor?”

"Yes, it is absolutely great to rob the rich and give to the poor!"

Yang Feng said with certainty.

"Haha, I like this idea of ​​robbing the rich and giving to the poor!"

Zhu Yuanzhang said with great satisfaction.

Then the two guys who met each other's moral limits laughed at the same time.

However, the grenade standard system is indeed the most effective method that Yang Feng can think of. After all, they cannot come up with enough gold and silver, and even if they take over the Japanese gold and silver mines, they will not be able to obtain the gold and silver to support the monetary system in a short time. Development.

It takes enough time, and the output also needs a long process to increase. The gold and silver mines there can indeed support the gold and silver bi-standard of Ming Dynasty banknotes, but they will not be able to do so within the next ten years at least.

This requires a transition.

Zhu Yuanzhang wanted something that could be maintained in the short term.

He wants to issue treasure money to maintain expenditure.

Every year's rewards to the army, disaster relief, court construction, etc. all rely on treasure money, but it is a process of only releasing but not collecting. He even collects taxes directly from grain, so treasure money will inevitably increase among the people.

Eventually devaluation is inevitable.

The role of banks is to provide a buffer.

Let those excess treasure banknotes be locked in the bank's warehouse. Once the bank is recognized, it can act as a regulator. Zhu Yuanzhang does not need to print more treasure banknotes, but he can turn private treasure banknotes into his own use through the bank.

In this way, the total amount of banknotes in the private sector will be maintained within a moderate range, and it is not important whether the bank is profitable or not. What is important is that it is, and there is no problem that Yang Feng cannot maintain it.

Because when he didn't have enough treasure banknotes to cash out, he could ask Zhu Yuanzhang to print new ones.

but……

How to get people to accept it?

How can people believe something that appears out of thin air?

In this way, there must be something rare, irreplaceable, and something that can be used to ensure credibility.

grenade.

The most perfect choice Yang Feng could think of.

Scarce, irreplaceable, and more importantly, Zhu Yuanzhang will definitely buy it at a high price. Besides, even if he doesn't buy it, for many people, the grenade is definitely worth a hundred gold coins...

This is especially true for businessmen.
To be continued...