Chapter 711: Your Majesty, give the order!
As the supreme emperor of the Ming Dynasty, Zhu Yijun didn't care about the public opinion's evaluation of him. As a political creature, political performance is the best evaluation, but he was really scolded a little bit, but he and Emperor Jiajing The choice is the same. I chose forgiveness. This is not benevolence, but Hai Rui's scolding was right, and Lin Fucheng's scolding was also right.
The Wanli Reform only really benefited the Wan family in one thing, and that was sweet potatoes. Because the emperor really knew how to farm, ministers, officials in the capital, and foreign officials did not dare to fool the emperor on this matter. , and the promotion of sweet potatoes is forming the memory of a generation, which is also an indisputable fact.
But other New Deals were useful, but they did not benefit the poor coolies who should really benefit. This was the biggest drawback of the Wanli Reform.
Lin Fucheng said it loudly, and made a comprehensive criticism in a very sharp attitude. Of course, under the feudal monarchy, he also had to accept punishment. He was going to take a train to Nanyang at Xingang, Songjiang Prefecture. Official ship, began his own journey of exile.
"This is cooling oil. When you get there, you can wear long sleeves, but don't wear short sleeves. It's not for sun protection, but to prevent mosquitoes. Be careful of leeches and mire and swamps. In short, be careful with everything." Li Zhi came to see him off, Lin Fucheng As a well-known opinion bagger in the Ming Dynasty, he had many friends. Only his old friend Li Zhi came to see him off, and everyone else avoided him like a snake or scorpion.
Who knows if Lin Fucheng will be affected when he is struck by lightning.
"Yes, I know." Lin Fucheng was still very worried about his exile. After all, it was an uncivilized land. Going to Java was more terrifying than going to Suiyuan, and Suiyuan was just a little bit more miserable. , but if you don’t pay attention when you go to Java, you will die without a burial place like Ren Qiubai’s father in the Ren family.
"Do you know what the scholars in Songjiang Prefecture think about your arrest?" Li Zhi stood in Guanhai Tower, looking at the surging sea in the distance, feeling quite emotional. asked.
Lin Fucheng said with a little embarrassment: "I don't know, I can't even care about myself, so how can I care about what others think."
"Looking forward to your death." Li Zhi glanced at Lin Fucheng meaningfully and said sincerely: "They really look forward to your death."
"No, I am just an opinion bag, why should they look forward to it?" You want me to die? You have no grievances, why are you so malicious?" Lin Fucheng was a little confused. Although he fought with the Confucian scholars and even won the argument this time, it was just a verbal dispute. To the point of living?
Li Zhi said very clearly: "Because you are dead, we can launch an impeachment against Mr. Zhang, deny the New Deal, then deny His Majesty's behavior, and finally deny everything about the Wanli Reform. Some people Death is the best card. For example, you are an opinion basket that is known to almost all scholars in the Ming Dynasty."
"After all, you and I are the only opinion baskets that can be quoted many times by the Di newspaper. Your Majesty said that he would not let you die outside and would keep your official status for you. You are already a dead person now. Regardless of whether it was done by His Majesty, it will only be done by Your Majesty in the end. "
"Keeping you an official position is His Majesty's greatest kindness to you. If you dare to take action against you, you will kill an official. If you kill an official, you must be named, you must strictly investigate, and you must conduct a comprehensive investigation."
< br>
Lin Fucheng is famous for his travel notes to Baoding Prefecture.
Di Bao, the only official newspaper of the Ming Dynasty that usually excerpts imperial edicts and important memorials, serializes Lin Fucheng’s travel notes in Baoding, Suiyuan study tour, the alienation of religion from people, the alienation of power from people, and money Regarding human alienation, Lin Fucheng is indeed a world-famous opinionated person.
Many people don't like him, but as long as he lives, it means that the Ming Dynasty's way of speech is not blocked. It is wrong to criticize the court with blocked speech and scholars being tongue-tied.
"This..." Lin Fucheng had never been in the officialdom. He was completely unaware of the seriousness of the matter. He only felt that His Majesty was lenient, but now he understood that the small official seal of that party actually had such a intention.
"Do you regret it?" Li Zhi was a little curious. When things got to this point, did Lin Fucheng regret his actions.
"I don't regret it. I only regretted it if I didn't say it. I saw the problem and I couldn't solve it. I was very anxious, very anxious." Lin Fucheng said with great certainty: "When I knew that Mr. Huang was His Majesty, I realized that I This fifth-grade Doctor of the Five Classics is real. Your Majesty asked me to be a commentator. I saw the problem and wanted to say it. "
"Brother Li, where is Songjiang Prefecture? Is it the bridgehead of the Wanli Restoration of the Ming Dynasty? , is a very important battlefield for the economy and culture of the Ming Dynasty. If what happens here is not contained, it will soon spread to Nanya, then Zhejiang, Huguang, and finally the entire Ming Dynasty.”
"That's right, the specific issue I'm talking about is insurance. Using insurance to raise funds and lend money to set up banks, this kind of business experience will definitely spread from Songjiang Prefecture to the entire Ming Dynasty within a year, and may even become Heqingmiao Money is the same thing that harms people.”
“Money makes money too fast, and as long as you find a broker to shoulder the blame, there won’t be any responsibility to bear. If it is not curbed, The spread will be very fast. Under the temptation of greed, all the achievements of the Wanli Reform will be turned into a dream due to this kind of speculation."
"It turns out that His Majesty inspected the Ren family. When we were in the Chu family, I thought His Majesty would take serious measures to rectify it, but His Majesty did not. And because Yao Guangqi was only a sixth-grade county magistrate, he was soft-spoken and could not convince Your Majesty. "
"I admit that I was impatient, but I don't regret it."
Lin Fucheng knew what he was doing and was very impulsive, but he still did it out of trust in His Majesty and out of respect for his theory. Perfect understanding, even if he is martyred, he is a famous master.
He is not an official for Your Majesty, but for the world and all the people. When he knew that he did not go through the back door, but was recognized by His Majesty as a doctor of the fifth grade and the Five Classics, the official became the clone of the king, with a different name. In fact, I have a deeper understanding.
“Is it really that exaggerated?” Li Zhi said with a frown.
Lin Fucheng took a deep breath, looked at the vast sea and said: "You have been an official for a long time, and I have been a common person for a long time. Do you know how much money the Ren family has made in the bank business? One million two hundred thousand taels in three years, two late emperors’ tombs! Among these one million two hundred thousand taels of silver, one million were earned in eight months this year. Don’t you think this is scary enough?”< br>
"It's like a snowball rolling in the snow, getting bigger and bigger. This is the debt of the Ren family alone. I'm afraid there will be thousands of similar Ren families rolling together in the future. Have you ever thought about that scene?"
"If nothing else, if Sun Kehong didn't hold back his greed and took Songjiang Ocean Trading Company to participate in it, he would be able to grow hundreds of times in size in one year. Wouldn't Sun Kehong not want it? He I just don’t dare, even in the Ming Dynasty. If he causes such a big mess, your majesty will definitely kill his nine tribes, but what is the use of killing his nine tribes?”
“The entire Songjiang Mansion is not a world of fireworks, but a world of debts. The world."
Li Zhi then realized why Lin Fucheng was so impatient.
“These businessmen are really only interested in profit. You don’t understand this industry and how it makes money. They loan us money and don’t even ask the borrowers to pay back the money. My ship is coming No, I won’t tell you anymore.”
"Brother Li, please take care." Lin Fucheng was halfway through his words. He saw his ship number rolling on the platform. It was time to board the ship, so he couldn't say more. Lin Fucheng's exile was escorted by four Tiqi. These four Tiqi Qi was only responsible for delivering it to Luzon. From now on, Lin Fucheng could only fend for himself.
Of course His Majesty kept his word and did ask Tiqi to send a letter to Guo Zhengmao, asking him to take more care of this industrious scholar.
"Master Lin, take good care of yourself all the way." Li Zhi was so angry that his teeth itched. He couldn't speak half of what he said. He really should have his tongue cut off! But the man had already gone into exile, so Li Zhi had no choice but to wish him a safe journey.
Lin Fucheng will not be embarrassed. One level of official rank is overwhelming, and Beijing officials are two levels higher than foreign officials. However, Luzon and Old Port Governor's Palace are not even the hinterland of the Ming Dynasty, but overseas Governor's Palace. Lin Fucheng's capital When an official arrives at the Governor's Mansion, he is just a guest, not a prisoner himself. How can a prisoner still have an official seal and crown?
Li Zhi will soon understand why Lin Fucheng said that these banks that lend money do not even expect the borrowers to repay the money.
Emperor Zhu Yijun of the Ming Dynasty looked at the endless crowd of people in Wanlong Village with a frosty face. Behind him were Zhang Juzheng, Qi Jiguang, Chen Lin, Wang Chonggu, Wang Guoguang and Wan Shihe. Tishuai Zhao Mengyou was rarely by His Majesty's side. Because Zhao Mengyou has completely surrounded Wanlong Village, ensuring that not a single fly can escape from Wanlong Village.
With Qi Jiguang here, Zhao Mengyou can do things with confidence, because this means that the Beijing camp is also here.
"Has Lin Fucheng boarded the ship?" Zhu Yijun suddenly asked.
"At this hour, we have already left the port." Feng Bao said cautiously. The prince in front of him was full of anger. He had to speak softly for fear of being too loud and causing unreasonable disaster.
Zhu Yijun exhaled and said calmly: "It doesn't matter if you leave. In the next chapter of the Luzon Governor's Mansion, Lin Fucheng's ban will be lifted. If you stay outside for half a year, you can return to the hinterland of the Ming Dynasty at any time. This It’s safe to stay outside for half a year.”
Zhang Hong hurriedly walked in from outside, bringing several small yellow doors with papers stuck on a long board.
"Your Majesty, I have inquired about the situation inside Wanlong Village. It seems a bit complicated. Rong Chen will explain it to Your Majesty." Zhang Hong saw that the paper on the long board was completely pasted before he asked. His Majesty took his seat.
After Zhu Yijun sat down, the civil and military ministers of the Ming Dynasty sat down one after another. Except for His Majesty and Zhang Juzheng, no one here knew what happened. To make His Majesty so cold and the atmosphere so cold, something must have happened. occur.
“Let’s get started.” Zhu Yijun saw everyone sitting down and said.
Zhang Hong obeyed the order and looked at the papers covered with paper on the long board. He was filled with emotion and lamented the rapid development of Ming Dynasty.
"Both the Ren family and the Chu family used high returns as a means of competition in the name of insurance to accumulate money. This has happened before and has been identified. Yao Guangqi, the magistrate of Shanghai, actively cooperated with the Tax Inspection Institute to collect money from all Songjiang Prefecture. Baozhuang conducted penetration and found out their real controller."
"Baozhuang is a bank that mainly operates insurance."
Zhang Hong looked outside. Wanlong Village continued: "On the first and fifteenth day of every month, the owners behind Baozhuang will hold a meeting at Wanlong Village in front of them, and this meeting is both a meeting and a meeting. This meeting will definitely involve business. , what is bought and sold is IOUs or debts; and in this meeting, a comprehensive inventory will be carried out every month to determine some rules."
Zhu Yijun nodded and said, "Let’s talk about buying and selling first."
Zhang Hong continued: "What are you most afraid of when borrowing money? It is borrowing and not repaying it. The biggest drawback of traditional money banks is here. If you borrow money but cannot get it back, it means bad debts. Wanlong Bank The threshold is extremely high. If you don’t have 200,000 taels of silver at home, you can’t even know about this place. If you don’t have 500,000 taels of silver, you can’t enter.”
"Wanlong Village is specifically designed to solve dead and bad debts. It was initially led by three owners. Now there are at least 30 owners in Wanlong Village."
"They will repay debts with good reputation and on time." , it is designated as Class A debt, and the listing price of Class A debt is roughly the same as the income; debts with good reputation, but operating difficulties and can only be repaid with difficulty are designated as Class B, and the listing price of Class B debt is lower than the income. But it is still profitable; debts with poor credit and unable to be repaid on time are classified as Class C, and the listed price will be sold at a discount."
Zhang Hong had a long stick in his hand and clicked on the long board. above.
The stickers on the long board were the debt orders copied by the insider who had sneaked into Wanlong Village. He clicked on them and said: "Class A debts are actually not many, and they will be robbed. After all, the profits are It is guaranteed, and occasionally you have to bid to buy it; Class B has the most debt, and this part can be bargained for, while Class C has not much debt, but there are people who will buy it, and you can usually buy it at a 25% discount.”
Zhang Hong explained what the lists he posted on the long board were.
"This is wrong. Why should we sell this Class A debt? Can't we collect interest if we keep it in our hands? Why should we sell it at a discount? Look at the lists on the far left. They are all Class A debts. If you keep them in your hands, Isn’t the profit maximized?" Wang Guangguang frowned and looked at the list on the long board and asked with some doubts.
Guang Guang is an extreme conservative. The court will never owe debts if it does not owe debts. The only time it owes debts is when Suiyuan Chidao and Suiyuan Mining. The court took the lead in issuing a national debt, and then in Yan Xinglou exchanged some dividend shares to raise funds for the development of Suiyuan. After that, Wang Guoguang firmly opposed debts. When the emperor talked about debts with him, he was anxious. Therefore, the Financial Minister of the Ming Dynasty is a little confused. Class B and C are sold because they may have debt problems. Why are these Class A also sold at a discount? For example, most of the interest on Class A is an annual interest rate of three The cent (30%) is ten taels of silver (generally only nine taels are given). Thirteen taels have to be repaid throughout the year, but the unit price of the ten taels of debt is often only twelve taels.
“In order to quickly withdraw funds, continue to borrow money, so that the interest can be compounded.” Zhang Hong said with a sigh.
"Huh?!" Wang Guoguang has never been exposed to debt and is naturally resistant to the word debt. As the finance minister, he immediately understood that by putting the debt on sale, it seemed that he would make less than a tael of silver, but These twelve taels can then be loaned out, turned into debts, and continued to be sold. In this way, wouldn't it just keep getting bigger and bigger?
"The Chu family only had a capital of 30,000 taels of silver. In just three months, it turned into 90,000 taels of silver. The Chu family didn't even want to start the opium business. The money came in too slowly." Zhang Hong introduced. The gathering speed of this kind of gameplay made the ministers present talk about it.
At the beginning of the year, the Emperor of the Ming Dynasty had 35 million silver in his internal funds. If he kept doing this for three months, he would have over 100 million silver.
"Those Class C debts are problematic at first sight, and even bad debts, are there people buying them?" Wang Chonggu realized that something was wrong. He originally thought that it was none of his business, but it turned out that he, the criminal department, Shangshu can't escape either, he also has something to do with it.
Zhang Hong put the long stick away and said with certainty: "Yes, just as Wang Cifu thought, they are all gangsters who buy Class C debt, and then collect the debt, and the methods are very cruel. , I will not give up until my family is destroyed, and it is normal to sell children and daughters. Before, Magistrate Yao was wondering, where did these degenerate people in the city come from so many IOUs? "
"This common saying? It is natural to say that repaying debts is a matter of course, and the Yamen should not interfere too much, but there must be too many IOUs in the hands of this wandering man. The IOUs come from these Wanlong Villages, and one of the three owners of Wanlong Villages , was born in the Hailong Gang, the same Hailong Gang that turned Governor Shen Shixingshen into a fifth-grade doctor.”
"Huh, you really deserve to die!" The corners of Wang Chonggu's mouth twitched in anger. He saw the names of two Shanxi merchants, and they were among them.
This leader of the Jin Party is not appropriate! Although the Labor Party will have problems of one kind or another, it has never put pressure tests on Wang Chonggu's umbrella, while the Jin Party has always put pressure on the umbrella.
Zhang Hong glanced at His Majesty secretly, and seeing that His Majesty still had a calm face, he knew that there would probably be a river of blood flowing out again today.
Zhang Hong continued: "More than thirty owners of Baozhuang can continue to lend money after selling their debts in Wanlong Village on the first and fifteenth day of each month. In just eight months, , the debt transaction scale of Wanlong Village, a private trading fair with extremely high threshold, has expanded from 600,000 silver to a terrifying scale of 1.8 million silver, and this 1.8 million silver has only been taken out It’s just an IOU for a transaction.”
“There are four private trading fairs with extremely high thresholds like Wanlong Village in the entire Songjiang Prefecture.”
"Your Majesty, give the order!" Qi Jiguang stood up, and Chen Lin stood up immediately. The two of them bowed their heads and said, "Let's talk nonsense, kill, kill, kill!" Killing people can't solve the problem, but it can solve the problem.
Chen Lin said anxiously: "Your Majesty, if this evil is not eradicated, Songjiang will not be leveled, and the world will be uneasy!"
The headquarters of Songjiang Town Navy is in Sanduao, where the Ming Dynasty is located The Navy's nest, all recruit training is in Sanduao Bay, but the roots of the Navy in Songjiang Town are in Songjiang Mansion. The Navy's family members, the Navy's ration fields, the Navy's school, and everything about the Navy are all here. In Songjiang Prefecture.
If Songjiang Mansion dies, won’t their navy become homeless children?
The capital camp of the Ming Dynasty cannot sit back and watch the capital of the Ming Dynasty being occupied by the Northern Banshee. The Navy cannot allow the Songjiang Mansion to be so corrupt.
Everyone looked at the emperor, waiting for the emperor's order, but the emperor was rarely silent, sitting there quietly, without saying a word.
Zhang Juzheng shivered violently, and a chill rushed from his tailbone to Tianling Gai. The thing he was most worried about was happening, right in front of him.
His Majesty seems to have a flash of twilight, which is what he is most afraid of. He has seen this kind of twilight. It was the twenty-sixth year of Jiajing. He wrote a memorial, and in the Jiajing Emperor Seen on the body.
This kind of old age is called discouragement and disappointment.
But at this moment, Zhang Juzheng can't do anything. His Majesty has to figure it out on his own.
After a long time, Zhu Yijun looked around at the courtiers, stood up again, walked to the long board, took off the hanging sheets one by one, and whispered: "My New Deal, my Ming Dynasty, everyone told me, Wanli The Reform is fruitful."
"Songjiang Prefecture, the Pearl of the World, the World Trade Center, the trade throughput here can buy the whole of England in just three years. Songjiang Prefecture, the bridgehead for opening up the sea, is the Wanli Reform. The biggest fruit, but now, it has been stolen."
"Da Situ has always told me that most of this silver comes in. Silver is the hard-earned money of the people of the Ming Dynasty. The people of the Ming Dynasty worked hard and exchanged goods for goods, but these guys in Wanlong Village are accumulating, using debts to roll over debts, constantly expanding debts, and collecting all the money into private households. "
"What kind of king is there? Suppress private affairs and promote public benefit."
"As for me, it is my fault that I failed to do it."
Zhu Yijun turned his head, stood up straight, cheered up, and said with a smile: "But it's okay, it's not too late."
"At least I still have the elite soldiers of Jingying and Shui The division's soldiers can be mobilized and the table can be lifted. Before the debt expands to the military camp, I will not be able to command the troops. How can I lift the table?"
"Qi Shuai, Marquis Shuli, please take care of Songjiang Mansion and don't let Songjiang Mansion get into chaos."
"I obey the order!" Qi Jiguang and Chen Lin immediately obeyed the order and left for deployment.
When His Majesty summoned the important ministers, he asked Qi Jiguang and Chen Lin to bring the generals. Qi Jiguang and Chen Lin knew that something was going on, and the army was waiting for it. The method was still the old method. The Beijing camp and the navy took over the city defense. For martial law, even if there are no city walls, you can still block the roads, put up a few large fences, and send out soldiers to patrol.
Tiqi is responsible for arresting people and ransacking their homes.
“Bring the dragon flag to you.” Zhu Yijun said to Feng Bao.
(The Imperial Dragon Flag and the Dragon Flag were created.)
The Dragon Flag of the Ming Dynasty was red in color. It was originally intended to be hung by ships to confirm identity. Later it became the emperor of the Ming Dynasty. The royal flag, the Great Ming Huode, has a red background with a dragon pattern. The red background is dyed vermilion with Brazilian mahogany. The dragon pattern is woven with Suzhou embroidery gold thread. The dragon flag in Zhu Yijun's hand is made of gold. It is woven with pure gold threads made of hammered foil and twisted threads. Only this side in the entire Ming Dynasty is woven with pure gold threads, and the rest are all golden threads.
Who makes Zhu Yijun stingy? Not willing to spend money to weave so many golden flags.
Zhu Yijun walked to the railing, waved the flag vigorously, placed the flag on the railing, and looked at Wanlong Village.
Zhao Mengyou kept looking at the second floor where His Majesty was. When the dragon flag was waved, Zhao Mengyou stood up and began to move towards the direction of Wanlong Village. The Tiqi, who had been ambushing him for a long time, seemed to appear out of thin air. As if he had appeared, he walked out of the streets and alleys, just like streams converging into rivers. When Zhao Mengyou arrived at the intersection, Tiqi even pulled out a nine-pound artillery piece.
"Your Majesty has a decree: If there is resistance, he will be killed without mercy! Each of them will be punished and the leader of thousands of households will obey the order, and no one will be let go!" Zhao Mengyou drew out his embroidered spring knife, raised it over his head, and pointed in the direction of Wanlong Village .
The scale of Tiqi has always been small. There are only 3,000 people in the North Yamen, and only 2,700 people in the South Yamen. There are less than two infantry camps in total. Today, Wanlong Village has a total of 2,700 people. There are only 1,500 tykes, but they are enough. With the quality and armament level of the tykes, and the military requirements, it is enough to fight from Normandy to Moscow in the West.
Zhu Yijun stood on the railing and watched the Wanlong Village jumping around.
"Your Majesty..." Zhang Juzheng whispered very worriedly: "Your Majesty, there are 120 million people in the Ming Dynasty. It is normal to have a few bad guys with pus. Don't worry about it."
"Sir, I'm fine." Zhu Yijun replied with a bright smile and said: "I'm just a little annoyed that I didn't take action earlier, and I'm also a little lucky that it's not too late to take action. If this evil wind blows throughout the Ming Dynasty, by then By then, it will be too late.”
“At that time, I really won’t be able to handle it, and I’m afraid my husband won’t be able to handle it either.”
Disappointed? It's far from that point, Zhu Yijun is just a little emotional.
The scale of the debt is so huge that it can still be handled by the court. The number of people is small and the scale is not large. The court can count it bit by bit, return the money collected by these people to the victims, and guarantee the IOUs. If the recovery is bigger, let alone Zhang Juzheng, Zhu Yijun will not be able to keep it even if he sells himself.
All the owners of Wanlong Village were manipulated by brokers and compradors. They hid behind the scenes, and the profits were all their own. The risks were shared by all classes in the Ming Dynasty. This kind of behavior was a thief, and Zhu Yijun could only kill him. .
Those who steal the hook will be punished, and those who steal the country will be punished. Before it reaches the point where it is too big to fail or cannot be dispersed, there are ways to deal with it. If the emperor who steals the country is really punished, Zhu Yijun will really be unqualified. .
The Ming Dynasty is Zhu Yijun’s Ming Dynasty, and he has to be responsible.
"I am just a white man, how can I have such great ability." Zhang Juzheng hurriedly bowed his head and said, he is indeed the Taifu, but he is not omnipotent. The Ming Dynasty is extremely conservative, and Zhang Juzheng, a reformist, is also Very conservative, he didn't dare to imagine what a terrifying scene it would be if this demonic wind blew throughout the Ming Dynasty.
When the time comes, Zhang Juzheng will be the sinner of history, and the entire Ming Dynasty and ZTE will have their backs broken.
Fortunately, it's not too late.
"Your Majesty, these people?" Wang Chonggu asked His Majesty's opinion on how to deal with it.
“Kill.”
“The chief culprit will be killed. Every one of them in the devil’s cave of Wanlong Village will be beheaded in public. After their property is confiscated, all the family members will be exiled to Java, so that the country’s surname can be restored. Mao and Zhang Yuanxun serve some snacks, don't let these people steal them." Zhu Yijun gave a very cold order, and heads were rolling in again.
Wang Chonggu shook his head and said: "They are nothing after leaving the Ming Dynasty. The wolves, tigers and leopards outside can eat them alive."
"That's true." Zhu Yijun agreed very much with Wang Chonggu's statement. He smiled at everyone and said: "Tomorrow, I will be criticized by Shilin for destroying the business environment of Songjiang Prefecture. I am an old antique and an old stubborn in the pawnshop business. . ”
The reason why the emperor was scolded was because all banks, even banks, would experience runs.
(End of this chapter)