Daming: Brother, there is no future for monks, let's rebel

Chapter 204 Bound interests with all citizens

"Qiwu, what do you mean by that? Tell me in detail!"

Zhu Han's words were extremely serious, which made Zhu Yuanzhang's heart sink slightly.

If it is just to deal with the Chen Youliang regime in the southwest, there is no need to go to war and borrow money from the people in the name of the court.

Zhu Han naturally had his deep meaning in doing this.

"Brother, now Ming Dynasty is booming. Although there are many places to spend money everywhere, you can also earn more money from many places, so officials in Ming Dynasty don't have to worry about the court not being able to pay their salaries, and soldiers from all over the country don't have to worry about delays in military pay. Deduction, the imperial court can operate effectively no matter what! But have you ever thought that if one day in the future, Daming’s finances cannot make ends meet, and every place needs to spend money, but the imperial court can’t get the extra money from the treasury, even So, if a sum of money is missing, the rebellion in a certain place cannot be suppressed, and the Ming Dynasty will be in danger, so what should the king who manages the state affairs do then?"

After Zhu Han said this, Zhu Yuanzhang suddenly felt his back go cold, and his whole body broke out in cold sweat.

Such a terrible scene, just thinking about it, will make Zhu Yuanzhang, who wished for his descendants to enjoy peace for generations, to be terrified.

"Qiwu, what you said is too exaggerated, is it impossible for this to happen?" Zhu Yuanzhang said awkwardly.

His voice was extremely soft, and it was obvious that he didn't have much confidence in saying this.

"Brother, I don't think it's an exaggeration. It can even be said that at that time, I'm afraid it will be even more absurd and embarrassing!" Zhu Han still maintained his serious expression.

What Zhu Han said was not nonsense.

In history, the Ming Dynasty had already fallen into a serious financial crisis in the late Ming Dynasty. When Emperor Chongzhen arrived, he couldn't even spend 100 million taels of military expenditure. He could only watch Li Zicheng's tens of thousands of peasant troops snowballing. Shaanxi entered the capital all the way and wiped out the 260-year-old Ming Dynasty.

Emperor Chongzhen, who was in despair, might have been able to save the Ming Dynasty if he had had the foundation and measures to issue bonds earlier.

"What you said is really a good way. If the future generations don't live up to their expectations and want to turn around, they really have to rely on the people of the world to borrow money!" Old Guo Zhu Yuanzhang said with a little helplessness.

"We issued this Pingxi bond to reassure the common people. They don't have to worry about whether the money they borrowed will be repaid. We can provide some sufficient collateral. The collateral can automatically become the property of the creditor!" Zhu Han said.

"Okay, but what is used as collateral?" Zhu Yuanzhang asked quickly.

"Brother, what do you think the people of Daming like the most?" Zhu Han said with a smile.

Zhu Yuanzhang stroked his beard and pondered, "Is it gold or silver?"

Zhu Han shook his head, "No."

Zhu Yuanzhang's eyes lit up, and he suddenly thought of something.

"land!?"

Zhu Han smiled and nodded, "That's right, it's the land. The people of Ming Dynasty love gold and silver, but they love buying land even more!"

As a land power empire since ancient times, China's preference for land from bottom to top is incomparable.

If the land can be used as collateral, then the credit rating of the bonds issued by Daming must be very high.

Even, at that time, many people would rather want the land than the court to spend money to redeem the bonds.

"But my Ming Dynasty doesn't have so much land now. Except for the school land and official land allocated to the land, the rest is the clan's farmland. No matter which one is used as a return, it is inappropriate." Zhu Yuanzhang said regretfully.

When the Ming Dynasty was founded, it was like farmers and soldiers distributing a large amount of land, so that the situation in the whole world could be quickly stabilized.

It is precisely because of this that there are not many free lands in the hands of the imperial court, or they have already been used for special purposes in planning.

"Our Daming's land is innumerable, how can we say it is not enough, but these apprentices may not be in the Central Plains!" Zhu Han said with a smile.

"What, what do you mean?" Zhu Yuanzhang asked immediately.

The places Zhu Han was talking about were naturally the undeveloped lands that Daming had just conquered.

The land that anyone in Zhuhai wants to use as bond mortgage is basically located in Liaoyang Province. As the famous North Dacang in later generations, there are still large tracts of black land that have not yet been developed.

Zhuhai used the black land in the Northeast as collateral, which not only allowed the Ming court to obtain the benefits of issuing bonds, but also led many people to reclaim land in Liaoyang.

"For every tael of silver in the imperial court's Pingxi bonds, ten acres of land in Liaoyang Province will be used as collateral!"

"In terms of interest, it is one penny per year, that is, one tael of silver. You can get one cent of silver every year if you eat dividends. You can get one penny a year with bonds, and the total period is five years."

"If you can't get the money from the imperial court when it expires, it will be automatically converted into a land deed. With this debt or land deed, you can directly talk to the land in Liaoyang Province!"

"All the forests, mountains, rivers and lakes on the acquired land belong to the owner of the land lease!"

"Even if it is to produce gold, as long as you pay the royal court's mining tax, you can mine the gold as you please!"

After Zhu Han's interest rate bond expires, he can choose to receive the principal and interest, or he can choose to go to Liaoyang Province to receive the land.

In the history of the beautiful country's march to the west, although there is no Pingxi Bond's name, it basically handles the issue of land ownership in the same way as Zhu Han.

Regardless of the fact that the Ming Dynasty has just been founded, under the rule of the Mongols, the population of the Central Plains has suffered a lot.

But because Zhu Han formulated a very suitable national policy for Ming Dynasty, as well as the promotion of a large number of high-quality and high-yield crops, coupled with the use of various advanced medical techniques and drugs, the population explosion in the Central Plains will definitely be greatly ahead of history.

If you can't plan ahead and plan for the future, once the population of the Central Plains exceeds the carrying capacity of the land and there are conflicts between people and land, there will inevitably be a terrible mass uprising.

Once caught in a terrible war, the pace of modernization that Ming has finally embarked on the right track may be stopped.

If the current Pingxi bond experiment is successful, then the Discipline Inspection Commission and the imperial court will develop a new fund-raising channel, and provide a new method for developing the black land in Liaoyang and avoiding population overload in the Central Plains.

The Ming court in the future can use this bond title deed law to develop a large amount of land in Southeast Asia, the Western Regions, and the New World.

After learning of Zhu Han's good intentions, the elder brother Zhu Yuanzhang agreed to the issuance of the Pingxi bond without hesitation.

After some discussions, the Zhu Han brothers decided to issue Pingxi bonds together in Yingtian, Beiping, Xi'an, Kaifeng, Hangzhou, Suzhou, Guangzhou, Quanzhou, Hanyang and other places.

The first phase of Pingxi bonds issued by the Ming court issued a total of 500 million taels of silver. The minimum face value of the bond was one tael of silver and the maximum face value was 1000 taels of silver.

The bond of the Ming Dynasty not only has the fertile land of Liaoyang Province as collateral, but also can give a penny of interest every year.

We must know that many hard-working businessmen may not have one-tenth of the profit all year round, even if the whole family and buddies are removed from eating and drinking. After all, many businessmen are at a loss.

However, these Pingxi bonds issued by the imperial court are so tempting. You only need to buy bonds of 100 taels of silver, and you can get a bonus of [-] taels of silver every year.

When the bond expires, if you are not short of money, you can go to Liaoyang Province to get a large piece of land.

I heard that Mr. Liaoyang's place is full of rare beasts, fertile black soil and rivers and mountains full of gold mines.

Once the Daming Pingxi Bond was launched, it immediately ignited the focus of discussion among the common people in these cities.

Some people think that the imperial court borrows money from the people, no matter what purpose and use it is, and no matter what mortgage or not, it is all a search for the people's fat and anointment.

However, those who hold this view only occupy a small minority, and they are also despised and ridiculed by the majority.

"The court of the Ming Dynasty is different from the previous dynasties. I heard that the gold and silver in the treasury of Yingtian, the capital, have piled up into mountains, but they still created this Pingxi bond under a different name. What is it for? Do you know?"

In a teahouse in Suzhou, a group of well-dressed and well-to-do people sat at their tea tables listening to a refined businessman talk.

Just listen to this businessman who has attracted everyone's attention and continue to talk.

"It's not that the imperial court cares about the common people. They clearly have no shortage of money, but they created such a Pingxi bond for the benefit of the common people. Whoever is willing to lend money to the imperial court is a great righteous citizen. Let one get some benefits. Then there will definitely be more righteous people in the future!"

In the public opinion centers in various big cities, these well-informed people are all talking and talking, telling the good intentions of the imperial court to issue Pingxi bonds.

Many of them were truly insightful, and some were deliberately arranged by Zhu Han.

Public opinion is very capable of influencing people's hearts, and it can be regarded as an invisible battlefield.

If you don't take this battlefield into your own hands, the resulting vacuum will inevitably be occupied by others.

In the issuance of Pingxi bonds this time, the guidance of public opinion arranged by Zhu Han played a very important role.

The 500 million taels of Pingxi bonds were sold out in less than three days.

There are also a large number of "righteous people" who hold silver in their hands, but cannot buy these bonds.

The elder brother Zhu Yuanzhang followed Zhu Han's private visit and witnessed hundreds of volunteers queuing up to buy bonds at Yingtianfu's bond issuance office.

Five million taels of silver is simply insignificant to the huge group of volunteers.

Therefore, in order to satisfy the enthusiasm of the general public for supporting the imperial court, the Ming court successively issued the second and third installments of Pingxi bonds.

A total of three bonds, a total of 500 million taels of silver.

In other words, the Ming court planned to use 500 million taels of military expenditure to eliminate Chen Youliang who occupied the southwest.

Fifteen million taels of silver is almost equivalent to the regular tax revenue of the Ming court for a year.

With such a huge amount of military expenditure, it is almost clear to the world that Daming intends to use massive military and financial resources to eat Chen Youliang steadily.

The news of the Pingxi bond issuances that have been robbed by the Ming Dynasty has spread quickly to Chen Han in Xichuan.

Chen Youliang, the emperor of the Han Dynasty, learned that Zhu Yuanzhang was sweating and planned to use 500 million taels of silver to attack himself. He almost fell off the dragon chair in the Chengdu Palace in fright.

"Five million taels of silver?"

"My annual tax income is only 500 million taels of silver!"

"The military expenditure is only 200 million taels at most!"

In Chen Youliang's heart, he had already fallen into self-doubt about defending the Ming army.

On the border with the Ming Dynasty, Chen Youliang arranged a large number of fortresses, but they still haven't completed the construction.

The soldiers originally planned to be stationed in the fortress had not yet been recruited and trained.

But the Ming army has now prepared a sky-high military expenditure of 500 million taels of silver! !
Fifteen million taels of silver, not to mention that it was used to train soldiers of the Ming army, even if the news was released, using this money to buy some Chen Han generals on the border would be enough to completely collapse Chen Youliang's defense line.

Chen Youliang's situation fell into an extremely dangerous situation.

At this time, Han generals fled and surrendered to the Ming Dynasty one after another in Wanxian, Yuzhou and other places.

Chen Youliang was completely panicked, which showed that many people in Chen Han's army had no confidence in defending the Ming army in the future.

He must quickly find a way to stabilize the hearts of the soldiers and the people of the Chen Han regime.

If you want to stabilize the morale of the army and the people, there are nothing more than two methods.

One is to practice internal strength, so that Chen Hanjun will not be bought and disintegrated by the Ming army.

Another way is to recruit strong foreign aid, find a powerful force that can form an alliance with oneself to resist the Ming army, or create other troubles for the Ming army, so as to achieve the purpose of diverting disasters to the east, so that the Ming army cannot deal with itself with all its strength.

Cultivating internal strength is nothing more than throwing money to pull people's hearts.

Chen Youliang immediately annexed land in Sichuan and Yunnan, and then distributed the land to the soldiers and generals of the Chen Han regime under his command.

A large number of soldiers and generals who have acquired land, in order to protect the huge property they have acquired, naturally have to work hard with the Ming army.

It's just that Chen Youliang was a little embarrassed about the matter of foreign citations.

No matter which direction it is, Chen Youliang feels that there are no suitable potential allies.

Under the rush of medical treatment, Chen Youliang even sent people to Yunnan to contact Duan Gong who had fled to the west, hoping to use trade and rewards to seek peace with Duan Gong, so that Duan Gong would not disturb his Yunnan rear.

If Duan Gong could subside, Chen Youliang would be able to mobilize more troops from Yunnan to join the defense in the battle zone with the Ming army.

. . . . . .

Duan Gong, who was far away in Bangladesh, did not know that Chen Youliang was planning to extend an olive branch to him.

Duan Gong has a very headache now, because he himself finally has to face the most powerful enemy on the Indian subcontinent.

The Delhi Sultanate, which occupies the entire north, has successively issued warnings to Duan Gong to withdraw from the Bengal area after resolving the rebellion in the Sindh area.

Of course, Duan Gong couldn't submit obediently, which immediately annoyed Firuz Shah, the ruler of the Delhi Sultanate!
Firuzha felt that he had exercised great restraint before, and never launched the final war against these Easterners.

Now that Duan Gong is so ignorant of current affairs, Delhi Sultan Firuz Shah feels that it is necessary to start a war.

He must lead the warriors of Tianfang Sect to kill these orientals who offend his majesty.

The Sultan of Delhi, Firuz Shah, is very hostile to the sudden emergence of oriental forces in Bangladesh!
"That man named Duan Gong occupied our land in the name of the Eastern Peach Blossom Stone Emperor, absolutely intolerable!"

In the city of Delhi, Firuz Shah said to his generals and prime ministers.

(End of this chapter)