Chapter 378 The poor have no money left in their pockets, but the rich are covered with silk!
"Money will not disappear out of thin air."
"It will only be transferred from one person's pocket to another person's pocket."
"The imperial court has no money, but the wealthy merchants, landlords and other people below do have money. The imperial court can borrow money from these people."
As soon as he finished speaking, he heard a sound of ridicule from all around.
Huang Zicheng pretended to be exaggerated and funny: "Xia Xiaoshi, are you kidding? Borrow money. How can there be so much money in the world to lend to the court? The local wealthy businessmen and landowners are afraid of letting outsiders know that they are rich. It's better for you. You still want to Let them take the initiative to lend the money.”
"Say no more."
"Who knows if the money you borrowed is like a meat bun beating a dog?"
"You can be naive, but don't think others are as naive as you. They are not stupid."
There was another burst of laughter all around.
Xia Zhibai nodded.
He smiled and said: "Huang Zicheng is right. If I just ask to borrow money from local wealthy businessmen, no one will lend me money. Even now, if I borrow money from the officials present, no one will lend me money." Give it to me, or find various reasons and excuses, anyway, there is only one purpose.”
"Don't borrow if you don't have money."
"Moreover, the Ming Dynasty had to borrow money from the people, so how could the court afford to pay it back?"
"Who dares to urge the court to pay back the money?"
"All kinds of complex factors have determined that it is impossible for the court to directly borrow money, and no one will be foolish enough to lend money to the court, unless the court 'takes the initiative' to ask local people and wealthy businessmen to donate some money to support the country. ”
Yang Jing frowned and said, "Since you know this, why do you still mention it?"
He was very puzzled.
He didn't believe that Xia Zhibai was really so brainless.
He is the number one scholar in their class. Although his literary talent may not be the best, no one doubts his ability. He has traveled all over the world, from north to south, and has seen and experienced far more things than most of them. You can't be so naive.
There must be other reasons.
He was waiting to hear Xia Zhibai's explanation.
Xia Zhibai smiled and said: "Because it is not a loan, but a 'buy and sell'. Since it is a trade, it is natural to ask for a high price and pay back the money. But what I said is a borrow, and it is also the 'borrow' in your impression."< br>
"Borrowing requires interest."
"I have been a business official for a period of time, and I still have a certain understanding of businessmen."
"Businessmen seek profit."
"But in fact, it is not just businessmen, ordinary people are also seeking profit."
"As long as the profits provided by the court are high enough, they will still have some people willing to lend money to the court."
"Today, all those who borrow money are poor people. Most of the people who borrow money are local gentry and landlords. The poor have no money in their pockets, and the rich are covered with silk. These gentry and landlords who have plenty of money spend most of their time. There is no need to borrow money.”
"Even for the silver I accumulate every year, I will carefully find a place to hide it."
"I am afraid that my property will be stolen by outsiders."
"And this gave the court an opportunity to borrow 'money'."
"The money buried in the ground is not money, it is just a pile of broken copper waste. But if the court borrows money from these people and promises to give a certain amount of interest, someone will probably have an idea. After all, the money buried in the ground Money cannot make money, but if you lend it to the court, when the time comes, the money will make money.”
"As long as the benefits are substantial enough and the court is trustworthy enough, more and more people will be willing to lend out the money buried in the land."
Xia Zhibai's voice echoed in the hall.
Everyone was shocked by Xia Zhibai's idea.
Is the court borrowing money from the private sector at high interest rates? What's the idea?
Isn’t the court short of money? Where is the money to pay it back?
But after just a few dazes, Yang Jing's eyes lit up. He knew how to repay, borrow new and repay old. As long as the court could keep paying the interest, the court would continue to borrow money from the local government. However, once the court did not pay back the money, Since then, it also means that the court's credibility has completely collapsed.
He no longer dared to think about what would happen then.
It's not even imaginable.
This was a scene he had never imagined and never thought about.
I could only feel a burst of fear and palpitations.
This idea is exaggerated, terrifying, and dangerous.
Yang Jing said calmly: "Your method of repaying money seems to be borrowing new money to repay old money?"
"But this also has a problem, that is, borrowing new money and paying back old money has not resulted in more money for the court to use. The only extra money the court has is the first one, and all the subsequent ones. They are paying the first debt. Isn’t this the imperial court distributing money to the people? ”
"How can this be true in the world?"
Xia Zhibai smiled slightly and did not deny this.
He smiled and said: "What Yang Shilang said is actually correct. It is indeed the imperial court that distributes money to the people. But if the imperial court collects the money, can't it be used to make money? As long as the imperial court earns more money than it has to repay, Did the court make a profit?”
"This is why I have been telling His Highness."
"The Six Parts are no longer appropriate."
"Consider it an improvement."
"The officials of the Ministry of Revenue can no longer stare at some account books and make fuss all day long. They only think about how to spend money and how to save money. Instead, they must find ways to make money. Only the imperial court has more money to spend. Colleagues , you don’t have to be so constrained when doing things.”
"Not only the household department, but the other six departments also have rigid thinking."
"Take borrowing money as an example."
"Whenever it's time for local people to pay taxes, many of them have to borrow money from landlords to borrow grain to pay taxes. And throughout history, the interest rates on this money have been very high. It is even common to go out and return home at least nine times. But if the imperial court does it on its own What about this? ”
"The imperial court only needs to leave nine times and return eleven times."
"But the imperial court borrowed money from landlords and wealthy merchants and returned home 10 times out of 10 times."
“Isn’t the imperial court taking the profit from the price difference on itself?”
"It also reduces the burden on the people, and they are no longer exploited by landlords."
"Besides."
"The court can also use the money to do some practical things, whether it is building roads or building some houses for rent. This is also a means of raising money. In the short term, the court will indeed have to bear a lot of pressure to repay the money, but The money collected later, whether it is travel expenses or rent, is net profit.”
"As the saying goes, a slow stream flows long."
"Countless small amounts of water can merge into rivers and seas."
"Just like those copper coins, one is inconspicuous, but if they are piled up in bunches and piled up into a mountain, who wouldn't be trembled by them?"
"If the imperial court is rich, the Ministry of Revenue can be free and free from such restrictions. Even the officials of the Ming Dynasty can benefit from this. By then, everyone's salary will also increase a lot. Money is not everything, but there is no money. Absolutely impossible.”
"The Ministry of Households is responsible for money. It must not only be able to spend money, but also be able to make money."
"As a court that controls almost all the resources in the world, it is natural that it should be able to make money."
"Of course, there is actually a problem in this idea."
"What if the world has no money?"
(End of chapter)