Chapter 189: The nobles appear again, and the situation is turbulent.

"No, Boss, we can't do this!"

Zhu Gang opened his eyes wide and stared at Zhu Biao with grief and anger.

"There's no point in glaring at me. That's what Dad said."

"If you want to hand over the business quickly, then you should come up with a set of rules for forming a cabinet."

Zhu Biao spread his hands, indicating that he was also helpless.

"call!"

"I have such a hard-working life!"

Zhu Gang sighed and shook his head slightly.

It seems that the pace of cabinet reorganization should be accelerated. Zhu Yuanzhang directly killed Hu Weiyong and did not even appoint a temporary prime minister. It was obvious that he was urging Zhu Gang to speed up.

There are more things to do!
Zhu Gang rubbed his brows in distress. Why did he feel that if he continued at this pace, he would not be able to leave until the Ming Dynasty became the Empire on which the Sun Never Sets?

No, this is absolutely not possible. Well, when the Ming Dynasty really expands overseas, I will take the initiative to volunteer and become an overseas governor-general and emperor.

"By the way, have the Ming Dynasty silver vaults and Ming Dynasty money houses in various places been built recently? Have you thought about how to make the people willingly exchange the remaining silver and money in their hands for our Ming Dynasty treasure notes? Promote the full use of treasure notes in our Ming Dynasty."

Zhu Biao suddenly thought of the Ming Dynasty's silver-based treasure notes, and then spoke again.

“Why would ordinary people be unwilling?”

Zhu Gang was slightly stunned. This shouldn't be the case. The Ming Dynasty's treasure notes were light and fast, and the Ming Dynasty also designed small-denomination treasure notes. No one would really go out to buy a few months' worth of expenses and leave the treasure notes unused, only to take a bunch of silver, right?

"How could the common people be willing to do that? They are not those wealthy families who have too much money and it is inconvenient to use it! Don't forget that you have to pay a custody fee to deposit money in a bank!"

Zhu Biao said to Zhu Gang.

"Ah? Paying for storage? Shouldn't the bank pay interest to the people? This is ridiculous. No wonder no one keeps money!"

Zhu Gang glared at Zhu Biao and said.

He didn't understand it in detail in his previous life, and in this life he was in a high position and didn't think too much about it. He took it for granted that a money house was a bank, so he planned to open one directly.

"No? You open a bank, help people manage their money, don't charge custody fees, and give them interest? Isn't this pure charity?"

Zhu Biao was also a little dazed.

"How can it be charity? Boss, do you remember what I told you about how a bank should make money?"

Zhu Gang slapped his head and asked Zhu Biao.

"Remember? Isn't it just lending money to those businessmen so that they can help our Ming Dynasty make money?"

Zhu Biao was a little confused.

"That's it. We pay a little interest, so we have more money to lend to merchants and make money. As long as the interest rate on our loans is higher than the interest rate on deposits, no matter how much they deposit, in the end, won't we still make a net profit?"

Zhu Gang stretched out a hand and gestured slightly towards Zhu Biao.

"Wait a minute! What you mean is that the common people deposited money with you, but you didn't keep it properly, but directly lent it out to make money, is that what you mean?"

Zhu Biao stared at Zhu Gang in a daze. How could this be? It felt like he was getting something for nothing.

In short, the money belongs to someone else, but you lent it out, and you are the one who makes the money.

"Of course. I've said it before. You have to give money away. Keeping it is just a number on the books."

Zhu Gang's lips curled up slightly.

"Wait, that's not right. What if the people want to exchange their treasure notes for silver?"

Zhu Biao asked Zhu Gang a question.

"Then change it. Anyway, most of the money I lend out is in the form of banknotes. Only in some countries that have very little business dealings with our Ming Dynasty will merchants lend directly in silver for the sake of security."

Zhu Gang spread his hands and said.

"Yes, we in the Ming Dynasty also lend money in the form of treasure notes, but... why do I feel like something is wrong? I don't understand."

"Well, I figured it out. If you give treasure notes to the people when they deposit money, and you also give treasure notes to the merchants when they lend money, then won't the treasure notes in the bank be getting less and less?"

Zhu Biao pondered for a while and said

"Brother, I noticed that your brain has become stupider."

"There are not enough banknotes. We have so many printing presses in the Ming Dynasty, can't we print more?"

Zhu Gang looked at Zhu Biao speechlessly.

"That's not right. I remember you said last time that we can only print money if we really need it, and we have to lock up the extra money again after we make money."

Zhu Biao was a little confused; he was fooled by Zhu Gang.

"No, what is the basis for the printing and issuance of our latest treasure notes?"

Zhu Gang held his forehead with his hand.

"Silver."

Zhu Biao said naturally.

"What do ordinary people deposit in the bank's vaults?"

Zhu Gang asked again.

"silver…"

As Zhu Biao spoke, his pupils shrank and a hint of understanding appeared on his face.

"That's it. You don't need to worry about anything else. You just need to know how much silver our Ming Dynasty treasury has, and how much treasure notes we can print legally and reasonably. If someone deposits silver into the treasury, then the treasure notes we print for him are not overprinting, but normal and legal treasure notes."

Zhu Gang said helplessly to Zhu Biao as if he was persuading a drunkard to follow him, he was really careless. He thought that Zhu Yuanzhang's poor knowledge of economics was a personal problem, but he didn't expect that the Zhu family's lack of understanding of economics was a family tradition. If he was not a time traveler who came in unexpectedly, he probably wouldn't be much better in this aspect.

"Uh...ah? So, we don't have to worry about those things, we just need to settle the accounts, right?"

Zhu Biao suddenly realized.

"Of course not!"

"Don't forget, our Ming Dynasty can still make money from foreign trade, and we have to pay interest to the people who deposit money in Ming Dynasty banks. And the interest rate varies depending on the length of the deposit. But you and dad don't have to worry about these, just let me do it."

Zhu Gang said to Zhu Biao somewhat weakly.

The Ming Dynasty will fall apart without him!
"Okay, in that case, thank you for your help, Your Highness the Prince of Jin. I will go back first and tell Dad about your good news."

Zhu Biao smiled at Zhu Gang.

"Which good news?"

Zhu Gang asked.

"Of course it's about money. According to what you said, the people save money and you give money to the people. The more money we make, the more our Ming Dynasty earns. The more we earn, the more money we make. Isn't this an infinite cycle? If we continue like this, within a few decades, even if our Ming Dynasty does nothing, it will be a prosperous country with a strong people!"

"Last time you said that I just thought those businessmen could make money for our Ming Dynasty. Now I realize that it seems that as long as we develop for a few decades, it will be no problem for the people of our Ming Dynasty to rely on them for support!" Zhu Biao said with a smile.

"Ahem! Of course, I just said that. After all, our Great Ming covers tens of thousands of miles, and the land should be cultivated. No one would complain about having more food, not more money."

Then Zhu Biao coughed twice.

"Well, that's all I heard. Our Ming Dynasty won't get to the point where the entire empire relies on being a middleman for the barbarians. Although some countries do that, our Ming Dynasty is not suitable."

Zhu Gang chuckled and saw Zhu Biao off.

Jinling City.

The Su family, the patriarchs of the four most influential families in Jiangnan gathered here, Su, Li, Zhao, and Zhu.

"Everyone, I think the fight has already shown that the actions of the royal family during this period have all been to oppress the living space of our families."

"The school of His Royal Highness the Crown Prince and the Ming Hongwu Pinyin have lowered the threshold for ordinary people to read and weakened our heritage."

"The tax rate has weakened our ability to control our ancestral land."

"There is also a Ming Dynasty bank and silver vault that is being built somewhere. This is likely to threaten our control over those wealthy businessmen who were originally obedient to us!"

The old patriarch of the Su family, the white-haired Su Zhao, said to the patriarchs of the other three families.

"It's not that serious. I think the head of the Su family is a little too cautious. Whenever a new dynasty is established, it is normal for us to give up some marginal interests to appease the common people. There is no need to make a big deal out of it."

Zhu Linfeng, the head of the Zhu family, said to Su Zhao.

He is a descendant of Zhu Xi, a great Neo-Confucian scholar of the Song Dynasty. The emperor's surname is Zhu, and their Zhu family also has the surname Zhu. Zhu Linfeng is confident that since every dynasty has liked to find famous ancestors, as long as he extends an olive branch to Zhu Yuanzhang and promises to add the genealogy of Zhu Yuanzhang's family to the genealogy of their branch of the Zhu family, Zhu Yuanzhang will definitely make great use of the Zhu family and promote Neo-Confucianism.

Therefore, when Su Zhao spoke, Zhu Linfeng subconsciously chose to refute. Moreover, they were the only aristocratic family in Jiangnan that had not been successfully deceived and lured by the Su family under the name of Li Shanchang, and they had the right to choose that the other two families did not have.

"Master Zhu!"

"Don't think that just because you have the surname Zhu, the Zhu royal family will let you go when they target our Jiangnan Family Group!"

"If Emperor Zhu really wanted your Neo-Confucian sage to be his ancestor, he would have accepted him long ago. Why would he wait until today?"

Su Zhao said through gritted teeth.

He had to drag the Zhu family into the water, otherwise the power of their several families would not be enough to challenge the court. After all, no matter what, since Zhu Xi founded Neo-Confucianism, the influence of the Zhu family could be said to be growing day by day, even to the point where they could compete with the Shandong Yanshenggong Kong family, who took the initiative to keep a low profile.

After all, apart from supplying the royal teacher, writing memorials, and obtaining the title of Duke Yansheng, the Kong family would show off once in every generation, but they would rarely do anything else at other times.

On the other hand, the Zhu family became more and more active and often moved around within Confucianism. Countless students of Neo-Confucianism from all over the world were willing to become his disciples.

"hehe."

"That's just because my Zhu family is still looking up the family tree and hasn't taken the initiative to contact the royal family. Now that the Ming Dynasty is unified, the world is certain. I think it's time for the Zhu family to take the initiative to come out."

Zhu Linfeng raised his head with an arrogant look. He was the descendant of a saint, so he should be superior to these ordinary families. Over the years, the Zhu family had not yet become the only dominant family in Jiangnan and had the status of the Kong family in Shandong. It was indeed a shame. It would be nice if he could use the Ming court to eliminate these families that were blocking his family's way.

boom!
"Zhu Linfeng! Since you've come to this scene today, do you still think you can get away?"

Su Zhao slammed the table, and immediately, servants holding sticks outside the door rushed in.

"Master Su, what are you doing?"

"We have known each other for so many years, it shouldn't be that serious, it shouldn't be that serious!"

Zhao Wei, the head of the Zhao family, advised Su Zhao.

"Master Zhao, there is no need to persuade him. I want to see if this Su dares to touch me!"

Zhu Linfeng snorted coldly.

He was not afraid at all. With the current reputation of the Zhu family among scholars, if he were harmed by Su Zhao today, the Su family would certainly not be able to make any progress among the aristocratic families!
"Master Zhu, you must think it over carefully. If you stay out of this and lose our allies, you will be powerless to resist if the imperial court moves against the Jiangnan family in the future!"

Su Zhao said while gritting his teeth as he faced Zhu Linfeng.

"This is not something you need to worry about, Master Su. Let's deal with the court and Li Shanchang's revenge first!"

"Everyone, there's no need to see me off!"

Zhu Linfeng stood up, waved his hand at the other three family heads, and left.

The Jiangnan family's secret gathering was noticed by the Embroidered Uniform Guards, but neither Zhu Gang nor Zhu Biao took it seriously.

Today, the Ming Dynasty has embarked on a completely different path from that in history. In order to win over scholars, Zhu Yuanzhang in the original trajectory needs to extend an olive branch to the Zhu family and quickly stabilize the hearts of scholars around the world.

But now, with Zhu Gang's layout, once books promoting the Ming Dynasty are introduced to the people, Zhu Yuanzhang, the Hongwu Emperor, will directly become the belief in the hearts of the people. He will be the only saint at that time, and the Zhu royal family will be the only orthodox one among all the people.

In this case, why should we make compromises and allow a so-called saint with bad character to be a filial son and grandson in the former Song Dynasty?
Since the Ming Dynasty, everyone with the surname Zhu in the world should be proud of having even the slightest connection with the Ming imperial family. As for the descendants of Zhu Xi, what are they?
"Your Highness, the paper mill production line has begun to operate. It is expected that the output will fully meet the needs of the typing and printing presses, and there will be a large surplus."

Gongshu Qi bowed to Zhu Gang.

"Why is it so fast this time? It's only been ten days since the prince's land was delivered, and it's already in production?"

Zhu Gang was slightly stunned and asked.

"Your Highness, the art of papermaking in the Ming Dynasty is already mature. It is different from the typewriter and blast furnace ironworks, which are original technologies of Your Highness. If you want to train apprentices, it is not difficult for your colleagues who are well versed in papermaking to do so."

Gongshu Qi told Zhu Gang the truth.

"I see."

"It seems that it is time to start mass printing the Ming Hongwu Dictionary. We can't let the boss wait any longer."

Zhu Gang chuckled.

"Take it and have our Jinling Printing Factory type the Hongwu Dictionary and start printing."

Zhu Gang handed the handwritten version of the Ming Dynasty Hongwu Dictionary to Gongshu Qi.

"Your Highness... our typesetting and printing press cannot type Ming Pinyin."

Gongshu Qi took a look and then hesitated.

"There's nothing I can do about this. I'll just arrange the characters first, and then carve out the pinyin separately and add it in."

Zhu Gang shook his head helplessly and said, "If possible, you can add the engraving of Ming Dynasty Pinyin. There are only two locks, corresponding to Pinyin and "Enter" on the keyboard, so it should not be difficult to do it."

"Here!"

The public transformer responded.

"Your Highness!"

At this moment, Lu Feng suddenly walked out and saluted Zhu Gang.

"What's the matter? Tell me!"

Zhu Gang waved his hand at Gongshu Qi to signal him to go down, and then said.

"His Majesty invites you to a banquet at Kunning Palace. It seems to be related to the war situation in U-Tsang and the final work of the two major cases."

Lu Feng spoke to Zhu Gang.

(End of this chapter)