Daming: I became Zhu Yuanzhang's eldest son

Although Zhu Tao was very moved by saying this, his lazy temper could not be changed.

After thinking about it carefully, he finally found a compromise, so he said.

"Father, do you still remember that last year I suggested to you that we want to establish a Daming Bank, and you kept this matter in mind, but it doesn't seem to be promoted too much now, and this matter can be carried out across the country. "

Zhu Yuanzhang thought about it, and it seemed that there was such a thing, and he had already ordered him to handle it at that time.

This bank is actually a bank, but it is much more regulated than a bank, and the banknotes of Daming are also issued by the bank.

So Zhu Yuanzhang looked at Zhu Tao and said with a smile.

"Tao'er, of course, your suggestion was immediately ordered. Now there are banks in cities at the provincial capital level, and the chief secretary will continue to implement it in all counties."

Zhu Tao nodded and continued.

"That's right, I have another suggestion, that is to raise the interest rate of bank depositors relatively, so that everyone is willing to save money, and we can use the money to do things, no matter what Whether it is the collection of military expenses or some other constructions, they can all be withdrawn from the bank.”

After hearing this, Zhu Yuanzhang became excited instantly, and said with a bright light in his eyes.

"In this way, our imperial court will no longer worry about the lack of money, and we don't have to listen to their prevarications in front of these officials. As long as the interest is increased, the money deposited will increase, and we will not take it. Inexhaustible."

Zhu Tao couldn't help shaking his head, it seems that his father still thinks about this matter too simply.

"But that's not the case. You have to know that the money that the bank can use, after all, is deposited by the common people. Our imperial court uses this money to do business. If it is done well, there will be profits. Everyone can get dividends. If it goes wrong It’s just that we lost other people’s money, and when they come to withdraw the money, we will have no money to give to them.”

If it were in the past, Zhu Yuanzhang would definitely say that if he had no money, he would just print some more precious banknotes. Anyway, wouldn’t it just be a matter of issuing a few more sheets of paper?
After Zhu Tao explained to him during this period, he also mastered some economics, knowing that if paper money is issued indiscriminately like that, it will cause inflation.

If that is the case, then the Daming banknotes will become worthless, and the state machinery will be shut down, and it will be Zhu Yuanzhang himself who will be hurt in the end.

This is what Zhu Yuanzhang thought of, and then he said to Zhu Tao.

"If you want to prevent the depreciation of the treasure banknotes, should you store a large amount of gold and silver at that time? As long as there is this foundation, the treasure banknotes will have strong vitality."

Zhu Tao was shocked, this is really a talented emperor, his brain is too bright, and he can explain everything thoroughly in one sentence.

"Father, you are right. I think you can manage the bank yourself. Oh, by the way, I have another idea, which is to introduce a series of policies to prevent the bank from making false accounts. The cabinet will discuss it roughly, so I'll go back to bed first."

Seeing that Zhu Tao wanted to sneak away, Zhu Yuanzhang dragged him back and said.

"Where are you going? Let me tell you, it's up to you. If you have any ideas, just do it, and the entire court will cooperate with you."

Zhu Tao had a bitter expression on his face. He agreed that he was only a nominal chief assistant. Why are there more and more things going on?
But this matter really can't be turned down any longer. It is estimated that if it goes on, it will only be pushed more and more.

After thinking about it, he asked Zhu Yuanzhang.

"Father, if this is the case, I will work in my own Zhujiazhuang. Whether it is the cabinet or the six ministries and nine ministers, let them come to me if they have something to do, so I won't go to court. This is the head office."

If it were someone else, making such a request would probably kill Zhu Yuanzhang, but for Zhu Tao, this request is not too much at all.

Now that Zhu Tao has agreed to manage the bank and banknotes, he doesn't need to care too much about those minutiae, so Zhu Yuanzhang naturally nodded.

After finally sending his father away, Zhu Tao was thinking about whether Yao Guangxiao had already started to act.

In fact, Zhu Tao has been helping Yao Guangxiao to pave the way after he made the plan to let Yao Guangxiao infiltrate Beiyuan.

After all, it is very particular about how one can really get in skillfully and be regarded as being valued by others.

Simply relying on the juggling of Zhu Tao's teachings, in fact, can't get much attention among the nobles of the Northern Yuan Dynasty, and can only fool ordinary herdsmen.

If you go there as an ordinary monk, no one will pay attention to you. At that time, you may have to empty the urinal and clean the toilet over there, let alone become the master of religion.

Now is a good opportunity, since Lu Guan Timur is here, as a Taiwei, he has a high position and power, and holds the military power over Beiyuan.

Let Yao Guangxiao become friends with him, and if he takes him there, everything will be a matter of course.

However, the extent to which this plan is implemented depends on Yao Guangxiao's own ability.

After talking about the business, signing a loan agreement with Daming, and at the same time shipping all the ironware, Lu Guan Timur didn't leave too anxiously, and wanted to hang around here for a while.

Lu Guan Timur arranged for a convoy to transport the ironware back to Yuyuerhai, but he himself was not in a hurry and wandered around the market.

An accompanying official next to him said to him.

"Taiwei, don't be angry about these things. Anyway, we have completed the task entrusted by the emperor. We will not pay back the money when the time comes. Let's see what he can do to us?"

In fact, after coming to Daming, Lu Guan Tiemuer always felt that something was not going well, no matter in terms of reception or other aspects, he had been crushed properly.

He is of absolute aristocratic background, and no one dares to blow his beard and stare at him. Here, he was pinched to death by an eighth rank, and he was ridiculed by Zhu Tao.

Fortunately, the task was completed now, if he could not complete it, he would have the heart to draw his sword and kill himself.

"You don't need to say much, and you don't need to persuade me. In fact, the prime minister can pull a boat in his stomach, and I can understand what's going on. I just think that Zhu Tao is a little bit wrong, which makes people puzzled."

In fact, after much deliberation, he could only think that there was something wrong with the Daming Treasure Banknote, but he really couldn't tell what was wrong.

An official named Zatai persuaded.

"Lieutenant, you are too suspicious, but that Zhu Tao is too black-hearted, he dared to ask for [-]% of our interest, if it were me, I would lend them more money, and then buy more ironware, But when the time comes, he won’t be given a penny back.”

Although this is a bit of a relief, it is really useless.

After all, Lu Guan Timur is a person who has seen the world. He knows in his heart that the root problem is not in the interest, but he can't think of a deeper level, so he is very distressed.