Back to the Ming Dynasty to be a tyrant

After finishing speaking, Xichang Fanzi brought five eunuchs over, tied them up on the long bench in front of the portrait of Guan Erye, picked up the long stick standing on Yidi, and beat them down hard.

After a while, the five eunuchs on the bench were killed, Wei Zhongxian waved his hand, and then another five came over, and after repeated actions, all twenty or so eunuchs and maids were killed.Only the palace maid was troublesome during the execution, she couldn't bear the pain, and all of a sudden she poured out excrement and urine, making it extremely filthy.

After the execution was over, Wei Zhongxian looked at the rest of the trembling eunuchs and court ladies and said, "Have you seen all of them? If anyone dares to follow these dogs in the future, they will eat inside and outside. Today, these twenty or so people are the best role models!" Then he said to Tian Ergeng and Xu Xianchun: "You two, the eunuchs and maids in this palace, our family has dealt with it, and the rest will be handed over to you two."

At this time, Jin Yiwei's split has not yet been completed, so Tian Ergeng stepped forward and said to the guards: "Have you seen what happened just now? I don't want to say anything else. Our Jin Yiwei is the son of the emperor. Today It’s all these killers who are to blame, and you should watch carefully, don’t forget your own identity! If someone dares to communicate with the inside and outside in the future, we will have to clean up the door.”

After finishing speaking, he said to the big Han generals next to him: "Execute the execution, send them on the road, and then take the head, summon the Jinyi guards from all over the place, and admonish those who come later!"

Those big generals heard this, and immediately dragged over a guard involved in the case who was kneeling on the ground, without using any bench to tie him down, he fell to the ground, swung his military stick and beat him down.But it is different from the way Wei Zhongxian killed the eunuchs and maids with sticks just now, but he used the random sticking method used in the army.

After more than a hundred sticks were passed without thinking, the guard on the ground also died when he saw that he was breathing out but not breathing in.Tian Ergeng's face remained unchanged, he didn't even roll his eyelids, and said directly: "Next."

The more than ten bodyguards who committed crimes in Jinyiwei beat them for a longer time than those court ladies and eunuchs, and they beat them for nearly an hour before killing them all.

After all the maids, eunuchs and guards were beaten to death, Wei Zhongxian came to the crowd again and said: "Let our family take care of today's affairs. The emperor is kind, our family can't tolerate sand in our eyes, and we will dare to do it again in the future." Don’t let our family find out if you betray the Lord, otherwise, what you will receive will not be as simple as being executed with a stick.”

After a warning, he said: "Let's all go back and do our own things." The eunuchs and maids in the palace hurriedly dispersed as if they had been pardoned.

Tian Ergeng did the same thing, and after admonishing him, he ordered Jin Yiwei to disperse.

At this point, Wei Zhongxian returned to the courtiers and asked why Shi Fenglai and Guo Yunhou entered the palace.

Chapter 54 Banks

Chongzhen felt very sad.

Everyone is an emperor, look at those emperors who have been cleared up by others.

Kang Mazi, that guy who has smallpox and is full of pitfalls, visits privately every day without seeing what this guy is doing.

Qianlong, that guy who has Han blood but is impossible to have at all, is also crazy every day, going to the south of the Yangtze River at every turn.First there was Xia Yuhe by the Daming Lake, and later there was a nine-year-old son, who was named a county magistrate in the name of the pair.

Of course, he is the emperor of the Qing Dynasty, no matter how much he messes around, he is a generation of Ming emperors, and our Chongzhen emperor can't compare, but Bibi is also the head office of the Ming emperor's Zhengde emperor, right?

The result is still incomparable.The father of Emperor Zhengde is awesome, he left behind a rich family property, and the ministers are awesome.Therefore, Zhengde can also go to the south of the Yangtze River to roam around.

What about Chongzhen?Dad was not strong enough and died within a month.Brother Huang also lost the chain. It has only been seven years, and he has not yet understood it, so he also died.Leave this mess to Chongzhen.

Counting Chongzhen's father and Chongzhen's brother together, the treasury has left millions of taels of silver, and the remaining ministers can't find any more suitable words to describe the remaining ministers - they are not as good as eunuchs Reliable.How do you say something?Civil officials of the Ming Dynasty can rely on it, sows all climb trees?

Now Chongzhen's heart is very unbalanced. When someone else is the emperor, it is his turn to be the emperor. In order not to hang himself on the old crooked neck tree, he has to be diligent!You can't just wave as you want!

No, Chongzhen looked at Shi Fenglai and Guo Yunhou in front of him, and felt another headache.

These two people came to ask questions about Daming Royal Bank and Daming Minsheng Bank.

The problem is that the Emperor Chongzhen before time travel was just a wild programmer, and he didn't understand what the bank was all about. Even the bank's business system was not accessible to wild programmers like him. Cross-platform advanced goods.

But fortunately, although I have never seen a pig run, Emperor Chongzhen has eaten pork. Before he crossed over, he had not yet paid off the mortgage he borrowed from the bank.

Chongzhen said: "The bank's first thing is to absorb private banks, and the second is to lend.

The so-called attracting folk silver taels is to attract people to deposit silver taels in banks.Not only can banks not charge storage fees, but they also need to pay interest to the people on a monthly basis. If the people do not win, the interest will be included in the deposited silver, turned into the principal, and continue to calculate interest. "

Guo Yunhou said curiously: "Your Majesty, if the people don't withdraw the silver taels, the interest will accumulate more and more, and the principal of the bank will also increase. How can the bank afford it? Even if it is a loan, so what?" Can you recover this much interest? What if someone borrows a loan and doesn't pay it back?"

Chongzhen smiled disdainfully in his heart, who would dare not pay back the money he owed me?Is it impossible to be Lao Tzu's brocade guard?Immediately he said to Guo Yunhou: "People save one or two taels of silver, assuming that the monthly interest is one penny, and lend money to those who need money urgently. It ranges from three Wen to five Wen. In this way, there is money to pay the interest of the common people, and there is also the bank's profit in the middle.

As for someone borrowing and not repaying, for one thing, borrowing needs to be guaranteed or mortgaged, such as pavements, fields, antiques and other valuable things.

Second, isn't there Jin Yiwei?Anyway, common people will not easily borrow from banks, even if they borrow, they will not borrow a lot.

If a merchant borrows a loan and is unable to repay it when it is due, the mortgaged property will be taken over to the bank so that the debt will not go bad.

If you can repay but don't, no matter who is standing behind them, ask Jin Yiwei to ask them for it. "

But Shi Fenglai said: "Your Majesty, after all, in this Great Ming Dynasty, there are many feudal lords, if so?"

Chongzhen said: "Let them borrow it, and I want to see who dares to owe the royal money and refuse to pay back. Those who dare to renege on the debt, the vassal king will cut the vassal, and the honor will go to the noble!"

Guo Yunhou went on to say: "Your Majesty, in this way, these two problems have been solved. It's just that there are two more difficult problems, and I hope Your Majesty can give you some pointers."

Chongzhen was very curious, these two problems were solved, what's the problem?Then he said to Guo Yun: "Aiqing, let's hear it."

Guo Yunhou said: "The first is how to attract people to deposit silver taels in the bank? After all, this has never happened before in Ming Dynasty, even the ticket number, and it was only created by businessmen for their own convenience. As for the second, If no one borrows money, what should we do?"

Chongzhen pondered for a while, and said: "Let me take the lead in attracting people to deposit silver taels. After the bank is established, I will order the palace to deposit silver taels in it. Presumably some people will follow suit.

Just one point, no matter what, first of all, it is necessary to ensure that the people can withdraw their deposits at any time, whether it is treasure notes or silver taels, they must be well stocked.It must never happen that people want to withdraw money, but there is no silver tael on the cabinet door.

As for no one borrowing money, you can set up another yamen in the bank to find things that can make money and invest.

In addition, I intend to expand the Changlu salt field, and then order Denglai to dry more sea salt, and return the salt to the official camp.As long as the needs of these two saltworks are needed, the bank will invest in them, and the profits of the saltworks will be shared with the bank, how about that? "

Guo Yunhou was overjoyed when he heard the words, and hurriedly said: "Thank you, Your Majesty, for your guidance. What about the pension money? How should we deal with it? Do the feudal lords and nobles also have it?"

Chongzhen said: "What do they have? What else do they want? The dignified vassal kings and nobles are all hereditary and have their own fiefs. This old-age money and the low-level money do not have them."

But Shi Fenglai suddenly remembered something, and asked again: "Your Majesty said earlier that the Daming Royal Bank specializes in printing banknotes, and the Daming Minsheng Bank specializes in operations. Why not combine the two into one? But it is better to manage?"

Chongzhen thought to himself, although there will be banks in later generations that can both issue banknotes and handle financial business, the officials of the Ming Dynasty have long since lost their integrity. How dare I let you be both referees and athletes?

Thinking in his heart, Chongzhen said to Shi Feng: "In my conception, Daming Royal Bank is the root. One is printing treasures, and the other is that more banks will appear in the future, such as Daming Construction Banks are responsible for constructive investment in bridges, roads, and city walls throughout the Ming Dynasty. At the same time, they can also absorb private banks and lend money.

There is also the Daming Industrial and Commercial Bank, which not only lends to artisan workshops, commercial shops, etc., but also absorbs private deposits and can also lend.

In short, there will not be only one bank in the future, and there will be both cooperation and competition between banks.This Daming Royal Bank is the immediate boss of these banks, and must guide them.

Didn't Jin Yiwei arrest many people with ticket numbers before, bring them out of the imperial prison, and study with them how to deal with this matter. "

After wasting his tongue for a long time, Chongzhen finally got rid of all the things about the Bank of Later Generations in himself.

After Shi Fenglai and Guo Yunhou left, Chongzhen said to Wang Chengen, who was serving the first emperor, "Go, send someone to inform you that tomorrow will be over for one day. Order civil and military officials to go to Caishikou to watch the punishment. In addition, let people go to Caishikou Find a better place for me, if I can see all the officials, I will go to see them in my humble clothes tomorrow."

Chapter 55 Sentence Watch

In the early morning of the next day, Chongzhen in the white dragon fish suit took Wang Chengen out of the palace gate. First, he walked around to Chengtian Gate and watched the progress of laying the foundation of the martyr's shrine, which was in full swing. Temple construction.Then a group of people headed towards Caishikou.

When we arrived at Caishikou, it was still early, so Chongzhen arrived at the restaurant that Wang Chengen had arranged.As soon as he entered the restaurant, the shopkeeper of the restaurant came over and knelt down to salute: "Chen Baoguo, Chen Baoguo, a hundred households in Caishi Street, a thousand households in Xicheng, kowtow to Your Majesty, long live, long live, long live, long live, long live, long live, long live, long live!"

It was only then that Chongzhen truly realized how far the Jinyiwei power, which had been abolished by that genuine idiot Chongzhen in the original history, had reached.Just looking at the fat shopkeeper in front of him, with a harmless appearance on his face, who would have guessed that this shopkeeper is the Baihu of Jinyiwei?From this point of view, if you make good use of Jin Yiwei to spy and collect information, you can probably know all the information you want to know.

When Chongzhen went up to the second floor, the shopkeeper hung up the sign that said he was closed for business today.As for the restaurant, there are all the captains of the Jinyiwei and the fans of the East and West Factory sitting there.

On the second floor, Emperor Chongzhen sat by the window and drank tea. Seeing that the commanding heights opposite the teahouse were controlled by Jin Yiwei, he immediately felt at ease.

But while drinking tea, I thought of something else: Originally, Daming’s Dharma field was located in Xisi Pailou, but I don’t know if it was changed to this vegetable market entrance, will it affect the common people who sell vegetables here?This damn mite clear braid play hurt people, making me mistakenly think that Daming also killed people at Caishikou.