There are many things in the world that can be solved without violence. Yuchi Chifan has heard Yuwen Wen's examples.

For example, a certain unscrupulous wealthy family is interested in someone else's daughter. They do not send someone to rob him, but find ways to make the other party owe to the debt and cannot repay it. When the other party is desperate, they can only sell their daughter to the unscrupulous wealthy family.

But Yuchi Chifan felt that there was actually no need for Zhou State to play this trick with Goguryeo, let alone the "unscrupulous big family" who made up their minds to kill people and seize women from the beginning, so why did they have to borrow money from the other party?

Isn’t this an unnecessary move?

Yuchi Chifan felt that even if according to what Yuwen Wen said, if the war starts in two years, Goguryeo will be destroyed, and then some mountains, forests and mines will be mortgaged to the banks that they had borrowed money before, what is the use of the banks asking for these "real estates"?

If you want to develop it, it is not cost-effective, so you can only resell it to others.

But who will buy it?

She thought about it but couldn't figure it out. Considering Yuwen Wen's usual style of acting, she thought of a possibility: "Is it to help the bank?"

The queen became enlightened, Yuwen Wen nodded: "That's right, it's just to help banks. Think about it, in Central Plains, banks and cabinets, you can't lend money to foreign countries, such as Goguryeo, then the interest rate is...tsk tsk..."

"You have to know that behind all banks and big cabinet shops are all powerful, officials, wealthy merchants, big merchants, banks have business and money to make money. How can they not be happy?"

"What's wrong with the court recruiting business for domestic banks? The court has become the creditors of other countries through banks and better absorbing blood from other countries."

Yuchi Chifan argued: "But the target you want to suck will be over in a few years?"

"No, no, no, the goal is not the same. Think about it, Goguryeo borrowed money from the Central Plains Bank to turn over, and the matter was spread to Silla and Baekje. What would the monarchs and ministers of the two countries think?"

Yuchi Chifan widened his eyes: "Would he be here to borrow money?"

"Yes, borrow money to prepare for war. In this way, will the bank have new businesses come to the door? Goguryeo's goal is to die small, and Silla and Baekje, which will not die for a while, are the big goals."

Yuwen Wen laughed at this point: "Banks make profits by lending, and the country is the richest customer in the goal of lending."

"With an official army in charge, which country dares to borrow money but not pay it back? They can't afford to pay it back. No problem, use taxes to pay off the debt."

Yuchi Chifan was a little surprised again: "Tax? What taxes? How much tax can a small country have? You can't send tax collectors to collect taxes, right? This cost is probably higher than the taxes collected."

Yuwen Wen replied: "I'm talking about the market tax. You just need to stay in the harbor. Where can I get the cost?"

"The sea trade is booming, and Haidong countries are happy to collect market taxes. Nowadays, market taxes are an increasingly important fiscal revenue for Haidong countries. If you don't have debts, you can evenly expose the market taxes collected... Do they dare to unevenly?"

"It is natural to pay back the debt. If you can't pay back the money, you will increase taxes in the country. As for the heavy exploitation, whether the people will rise up will be their business, and it has nothing to do with the dynasty."

Speaking of this topic, Yuchi Chifan didn't know how to respond. Rixingchang is considered its own industry and making money is always good. However, banks have transformed from cabinet shops for a few years and have obtained large businesses, which is of course a good thing.

Her doubts have been answered and she didn't ask any further questions.

Yuwen Wen also stopped and did not express his deeper intentions.

Through the bank forcing loans, the other party will borrow to repay the debts. The more you borrow, the more you borrow, the more you pay back the debts, but you can't pay them back every year. This is how Western powers export capital.

This is a story later, but now it is just a test.

The most important thing is to find ways to "stimulate business" so that banks that have just transformed from the warehousing house can obtain more "nutrients" so that they can continue to thrive, and at the same time, they have the opportunity to participate in state affairs.

Even if this kind of participation appears in the chess game in the form of chess pieces rather than chess players.

"Han Shu·Food and Message" says: Scholars, farmers, industry and commerce, and the four people have careers.

When studying, one is called a scholar, one is called a wise man, one is called a ward, one is called a craftsman, one is called a wise man, one is called a mercenary, one is called a mercenary, one is called a mercenary, one is called a mercenary, one is about wealth and goods.

Workers make tools and merchants make money, this is their duty, but merchants can be rich by making a difference by making a difference, and they value profits rather than separation. This is really hateful.

Therefore, the political concept of the Central Plains since ancient times is to regard merchants as untouchables (as a whole). After all, from the perspective of the ruling people, it is necessary to emphasize agriculture and suppress commerce. Merchants can live a good life without doing production (agricultural farming). Such gains for nothing will inevitably lead to adverse effects.

Therefore, the court wanted to suppress merchants, but it could not do without them, so it treated merchants as chamber pots.

Use it when needed and throw it away after use. The status of the chamber pot is naturally very low.

At the same time, the powerful and powerful have to make profits in the industry and meet huge expenses, so they also have to rely on merchants to feed. Then, it is most appropriate to turn merchants into dogs that can be used whenever they want and killed when they want.

Therefore, the status of merchants is very delicate. Those with masters (with powerful people and backers) are just hunting dogs, and they are more prestigious than ordinary officials; those without masters are wild dogs, and clerks can extort arbitrarily.

Business, this is the case, what about the workforce? It’s not much better.

The businessman is a chamber pot, and his body exudes a "copper smell". He must be put away when he is not in use. As a "tool", he naturally has to put it in the tool box when he is not in use. Where can he be placed in the hall so that the guests can laugh at him?

The status of industry and businessmen are not very high, let alone how many political status they have. It has been like this for thousands of years. No one thinks it is wrong. The problem is that times have changed.

When steam engines, steamships, trains, and telegraphs appear, the industrial age is coming, if the industry and business are still placed in a lower position, Yu Wen Wen believes that it is unacceptable.

All steam machinery has exceeded the scope of "craftsmanship". Steam engine engineers and technicians are not craftsmen.

Businessmen who run businesses are not profiteers who do not care about production.

Therefore, Yuwen Wen believes that industry and businessmen represent advanced productivity and should have their own political status.

However, even if he is the emperor, he cannot overthrow the thousand-year discrimination with his own strength.

The industrial and commercial talents he promoted were regarded as "loyalty" by the bureaucratic group. While many people enjoy various comfortable lives brought by technological and productivity improvements, they still regard labor and business as a cheap job.

The scene of industrial and commercial talents being reused during the Mingde period may gradually fade with Yu Wen Wen's death, and technicians and engineers who operate trains, steam engines, steamships and various steam machinery will become "machinery owners".

Everything goes back to the past.

But that is impossible.

Steam engines, trains, steamships, and telegrams have appeared. It is impossible for the times to go back to the past, to the era when men farm and women weaving, which were familiar to scholars and officials, and the Four Books and Five Classics can rule the world.

However, bureaucratic groups that despise workers and businesses will not like commodity economy that destroys the manor economy, and will not have a way to deal with inflation caused by the large-scale import of overseas silver.

I will not cherish the credit of the country on which paper money depends for survival.

They cannot adapt to the new era.

However, new workers can.

Goodwill is the foundation of businessmen, and the credit built on it is the lifeblood. Only when commerce is developed and trade is prosperous can industrialists have the possibility of profit.

Similarly, only industrial and commercial people will maintain the credit of paper money with care, and only those who are familiar with economic laws can fight inflation caused by the large-scale inflow of overseas silver.

The circulation vouchers created by Yuwen Wen have played an increasingly important role and have initially achieved the potential to become paper currency, but have not been "nationalized" so far because he does not believe in the current bureaucratic group.

He has been waiting for a qualified "trader" to appear, and the bank is one of the stages where this "trader" dances.
Chapter completed!