Chongzhen Wiretapping System

Chapter 425 Loan Accident

Although Emperor Chongzhen had already explained it before, triumphant return is a common occurrence, and there is no need to work hard to greet him.However, Empress Zhou and Prince Jian Guo still went out of the city with all the civil and military officials.

The people of the capital, of course, were willing to join in the festive excitement, and in the end, it was the same as the last triumphant return from Liaodong. On the capital side, most of the people went out of the city to welcome Wang Shi's triumphant return.

When they were on the emperor's expedition, they felt that the enemies on the grassland were too difficult to deal with.Although I feel that with the emperor's brilliance and martial arts, he will definitely be able to defeat them, but if he wants to wipe them out, even the famous generals who founded the country, and later Emperor Chengzu, couldn't do it. Can the emperor do it?

Now of course they know the result, the emperor did it!

At this time, the Chinese and military officials of the court and the people of the capital all felt that the emperor was really omnipotent in leading the army and fighting, and could win any battle!Throughout the ages, it is estimated that there are few emperors who are more powerful in commanding troops and fighting than today's emperors!
Having come to such a conclusion, as the emperor's subjects, they are of course extremely proud.Not only did he not become numb after seeing too many triumphs, but he was even more enthusiastic and emotional.

When Emperor Chongzhen appeared in the field of vision of the people in the capital, he had already knelt down and shouted long live in unison.The sound of this voice echoed over the capital again.

The soldiers of the three major battalions under the Yumajian's jurisdiction are already a little accustomed to such a grand welcoming ceremony.As long as you go out with the emperor, you can enjoy this honor.

However, it was the first time I saw the [-] soldiers who had just been selected into the Beijing camp from the border towns of the Qin and Jin Dynasties.Don't talk about ordinary soldiers, even Wu Sangui, the commander in chief of aid and suppression, was full of enthusiasm in the face of such a grand welcome ceremony, and felt that he was fighting outside, and it was worth it to have this honor when he returned!

All the attention!This is the glory that a good man should have!

However, at the front of the team and behind Yujia, there were more than 1000 soldiers of the Ming army, all holding an urn in their hands.Facing the congratulations from the queen, the prince of Jianguo, and the ministers, Emperor Chongzhen was not very happy. He just turned his head and looked at the urns, and said solemnly: "The Jianlu who can wipe out the Hetao, and the Urad tribe who are the minions of the tiger. And the Chahar Department, thanks to the desperate fighting of the soldiers. Look, they died on the battlefield for the sake of defending their homes and the country, and for the peace of the northwest of Ming Dynasty."

In war, there is no one who is not dead!Many people listened to this, and they didn't take it seriously. When they were about to speak to comfort the emperor, Emperor Chongzhen went on to say: "Behind every soldier died in battle, there was a family that lost their son, elder brother, younger brother, and even It is the father; although the imperial court has a little compensation, it can never heal their pain. They are all good men of Ming Dynasty. Without their contribution, other people would have to suffer from the war. How many people would be displaced and their wives and children I don’t even know if the family is broken or dead!”

In the past few years, the land of Gyeonggi has been captured and invaded several times every few years. Therefore, the pain of the military disaster is felt by the people of the capital.

At this time, after hearing what the emperor said, many people took the matter of Ming soldiers' death in battle more seriously, and agreed with the emperor's statement in their hearts, if all the Ming soldiers could fight to the death with Jianlu , How can Jianlu still wreak havoc in the land of Gyeonggi?These soldiers who died in battle are indeed worthy of commendation and affirmation.

Emperor Chongzhen looked at their changes of expression, and he had a bottom line in his heart, so he named the first assistant of the Ming Dynasty and the Shangshu of the Ministry of Industry, and ordered them both on the spot: "I have decided to build another Shrine of the Great Ming Martyrs next to the Taimiao. Dying in the Ming Dynasty, including the officials on the death festival, the soldiers who died in battle, and the common people, all can get the name of loyalty, enter the temple to enjoy the incense of the people of the Ming Dynasty, and live together with the country! During the festival, the prince leads all officials to pay homage, When there is no crown prince, the chief assistant leads hundreds of officials to pay homage."

Xue Guoguan and other civil and military officials were shocked when they heard this. This is like a smaller Taimiao.Even those who enter this martyr's shrine will be honored in the name of martyrs, and the crown prince or the chief assistant will lead civil and military officials to pay homage to them. What a treat!

However, the emperor has stated that all those who died for Ming can enter the temple to enjoy incense, which is an extra possible honor for all Ming people.Although they feel that civil servants have to be treated the same as the soldiers who died in battle, and they feel a bit demeaning, how can this be the same?

However, when Emperor Chongzhen spoke at the beginning, he emphasized that "I have made up my mind." Before facing the ashes of the soldiers who died in battle, if they really dared to say that, they felt that the emperor was iron-blooded, and if they were not careful, the emperor would be furious, and that would be bad luck.

Therefore, after Emperor Chongzhen finished speaking, none of the civil and military officials dared to raise objections here.

Of course, after the event, they put some thought into the details, and it is inevitable that the festival of human death is more rare than the death of warriors and has a higher status.

For example, in this martyr's shrine, there must be some emphasis on the location of the worship, whoever is in the most conspicuous place, whoever is in the corner, they can put their minds to it.

Of course, Emperor Chongzhen would not be so stubborn that he would do everything according to his own will. To be able to take this step, compared to before, has already made a lot of progress.Things like Wenguiwubaba have been deeply rooted in the hearts of the people, and it is not something that can be truly changed by one's own will.Making some appropriate concessions on small things is also a knack that an emperor should master in managing his subordinates.

Of course, the establishment of the Martyr's Shrine cannot be completed in one sentence, and there are still many things to do.

For example, how can one be assessed as a loyal martyr and be admitted to the martyr's shrine, which requires the formulation of specific rules, rather than relying on a vague death for Ming; just discussing this detail will consume a lot of energy from the monarch and his ministers .

Also, to build the Martyr's Shrine, ask for money!The treatment of Zhonglie must be distinguished from others, and it must require more money, as well as the difference in status and reputation.These details are also for the monarch and his ministers to discuss.

Regarding these matters, civil and military officials can be said to have no experience at all.

However, the soul of Emperor Chongzhen came from later generations, and there are places for reference; such as the evaluation and treatment of martyrs, and the nameplates issued by the army to mark the Ming soldiers, so that even if the Ming soldiers died in battle, they would not be confused. Soldiers should have Honor can be had.

Therefore, it can be said that everything related to the Martyr's Shrine was carried out under the leadership of Emperor Chongzhen, which was also the first thing that Emperor Chongzhen did after his triumphant return to the capital.

Being busy with this matter, Emperor Chongzhen naturally had to pay attention to other matters related to this matter.For example, the issue of the government's fiscal revenue.

Other aspects were in line with his expectations, but there was one thing that was beyond Emperor Chongzhen's expectations.

After several years of promotion, the provincial branches of the Daming Royal Bank have all been established.However, in terms of deposits and loans, it is not very ideal, even in places with a relatively strong commercial atmosphere in the south of the Yangtze River.

For this reason, Emperor Chongzhen looked through the relevant information carefully, and finally he found that the conditions of the loan were limited, because he was afraid that the loan would not be recovered and would become a dead debt, so he set it higher, and the value of the collateral must be higher than the loan principal. Can.This makes many non-governmental businessmen hesitate, fearing that the collateral will be gone if they lose money on the loan.

This is true even here in Jiangnan, not to mention other places.

As a result, Emperor Chongzhen summoned a group of ministers to discuss matters in the Wenhua Palace. Regarding this matter, they should think about how to deal with it?

In the opening remarks, Emperor Chongzhen said directly and clearly: "The money in the bank must never lie still. Only by allowing it to flow and let the money create more money is in line with my original intention of establishing the bank. But now Even in the south of the Yangtze River, there are very few borrowers, what do you think?"

What he meant by this was not to make more interest margins, but that people borrowed money to do business, which would create more job opportunities and make some people rich first.

The officials who came to discuss the matter were naturally notified in advance and knew that they were going to talk about it, so they were also prepared. The chief assistant Xue Guoguan was the first to go out and play: "Your Majesty, the people dare not borrow money from the bank because they are really worried that they will not be able to pay back. , The collateral was confiscated by the government, so I was afraid. I thought that if the collateral was not so valuable, maybe some people would try it?"

In fact, there was another reason that none of them dared to say.

If there is no supervision from the local capital procuratorate and supervision from the factory guards, the local officials and gentry will definitely be happy to take out the loan. Based on their status, it will not be so easy to return the money to the bank after it reaches their pockets. matter.

Without these powerful local officials and gentry to borrow money, ordinary people naturally feel a sense of fear in the face of the banks opened by the imperial court.Moreover, their vision is limited and the risks they take are limited. It is understandable for all kinds of reasons to present this situation.

Wang Chengen, the admiral of Dongchang, also followed suit and reported to Emperor Chongzhen: "Your Majesty, Dongchang has received news from some provinces that local officials and gentry are secretly obstructing the private sector from obtaining loans from the Daming Royal Bank branch. They influenced through private means of compliance, so the local fan servants did not take any measures. Or, the slaves asked them to beat them, or catch a few to kill chickens and monkeys?"

After sitting in the position of the admiral of the East Factory for almost two years, Wang Chengen's words unconsciously carried a bit of ruthlessness.

When Emperor Chongzhen heard this, he frowned and asked, "What kind of compliance method?"

As soon as Wang Chengen heard it, he immediately told the news reported by his subordinates in public.

In fact, he had already played it to Emperor Chongzhen alone, but Emperor Chongzhen felt that it was necessary to say it again on a formal occasion, just to tell these courtiers.

In this day and age, if you deposit money in a bank, you have to pay a custody fee. It is rarely said that there will be interest to the depositor.In addition, the loans from banks, including private loans from the private sector, all come from usury.

However, since the establishment of the provincial branches of the Royal Bank of Ming Dynasty, not only is there no storage fee for saving money, but interest is also paid; and although the interest on loans is higher than the interest on deposits, it is definitely far lower than the interest on loans from previous banks. Not to mention the interest on those private loans.

In this way, the establishment of the provincial branches of the Royal Bank of Ming Dynasty has moved the interests of these people.And these banks and private lenders are basically from the background of rich and powerful local officials and gentry.So they naturally didn't want their business to be robbed, so they wanted to find ways to stop it.

If it was the past, in the chaotic late Ming Dynasty, the majesty of the imperial court had long since disappeared. They wanted to bring down the branch of the Royal Bank of Ming Dynasty.

However, in the past few years, the situation in the troubled times of the Ming Dynasty has been fundamentally contained.First, the emperor's personal conquest took the thieves and put down the chaos of the thieves; then, the emperor decreed that the national disaster relief was raised to the most important level, and countless people were saved.Naturally, the people were grateful to the court, and the prestige of the government began to take root again in the hearts of the people.

In addition, the imperial court continued to achieve great victories, and the emperor severely punished officials who violated laws and regulations. Just after the Changshu Rebellion, the current emperor dismissed or punished more than 100 local officials in one go.It can be seen from this that the emperor's attitude towards the local area is very strict.Those who dare to make trouble, even those who bring public opinion against the imperial court, will not end well.

All these things made those who lost their interests dare not easily provoke the majesty of the imperial court.However, they must not be reconciled, so they thought of other tricks.

For example, in a clan, if someone wants to go to the bank for a loan, the clan will say that the loan is okay, but it is not blocked, but in the future, they will not be members of the clan, or the interests of the clan will be weakened, so how many people dare to go to the bank? loan?
Also, for those who have business dealings on weekdays, they can use this kind of business dealings to manipulate and prevent others from going to the bank for loans.

As long as you have the heart, you can definitely find a lot of compliance methods like this.There are absolutely very few people who can break through various restrictions and go to the bank for loans.

After Wang Chengen explained the situation, he immediately played murderously to Emperor Chongzhen: "Your Majesty, these unruly people dare to oppose the imperial court. It is absolutely useful for slaves to teach them how to behave! Some people just need to be dealt with!"

Hearing this, Xue Guoguan and the other civil servants were immediately startled. If the emperor agrees and the factory guards do not follow the rules, the consequences will be serious.

They were thinking this way, and when they were about to go up to stop it, Emperor Chongzhen had already said: "No, everyone must follow the rules set by me and Ming Dynasty. I reiterate this point, including factory guards. You must not violate it either!"

When Xue Guoguan and others heard this, they were overjoyed. It seems that the emperor is still wise. When he was about to speak, he heard Wang Chengen respond to Emperor Chongzhen: "The slaves obey the order, but if this is the case, what can I do to those people and how to carry out the bank loan matter?" Of?"

(End of this chapter)