Jiao Fang, Wang Qiong, Wang Shouren and Zhang Cai are the main forces of Zhou Chong to promote reform. They are now in place, but Zhou Chong has the final say on how to reform. After all, he

Although I understand the disadvantages of the Ming Dynasty, there is no detailed charter on how to reform, which requires everyone to work together to discuss a specific reform process.

In the side hall of the Zhao Palace, Zhou Chong looked at Jiao Fang and others sitting on both sides, and took the lead in speaking: "Everyone is clear about the situation of the Ming Dynasty. One is the law and the other is the administration of officials. These two aspects have become

The fatal wounds on the Ming Dynasty. If the dragon of the Ming Dynasty really takes off, they must clear these two fatal injuries. I wonder what everyone thinks about this. Even if you say it boldly, after all, I'll just come here today.

Those who discuss this matter, even if they are not considered perfectly, they can use everyone's strength to supplement it."

As soon as Zhou Chong finished speaking, he immediately stood up and said, "Prince, the matter of reform is of great importance, especially the law of reforming ancestors, which is even more difficult. Looking at the history of all dynasties, I want to succeed in reform.

First, we need to have the support of superiors, we don’t have to worry about this. Second, we need a group of effective reformers. It is far from enough to rely solely on us. We must have a group of people in all aspects.

Officials who firmly implement the reform must, so if they want to reform, they must clear the administration of officials and arrange some effective personnel to enter various departments of the court. Therefore, I think that the administration of officials must be placed before the reform!”

Zhou Chong also secretly praised Wang Qiong's words. He had previously thought that if he wanted to change the laws of the Ming Dynasty, he had to have a group of capable people. Otherwise, it would be impossible to complete the reforms by relying on these few people alone, and it was even possible that the reforms would be impossible, and it would be possible that they would be able to complete the law.

Like Wang Anshi in history, because of his poor employment, the law that benefits the people becomes a law that harms the people.

Wang Shouren and others were like Zhou Chong and agreed with Wang Qiong's views, but the elderly Jiao Fang raised his own objection and said: "Although what Mr. Wang said is good, it is a little inappropriate!"

"Oh? Please give me advice from Mr. Jiao!" Wang Qiong smiled calmly. Although his personal morality is dirty and he likes to rush forward, he is not a complete villain like Zhang Cai. Instead, he shows in other aspects.

He was very graceful, which was also the reason why he was able to become one of the three ministers of the Ming Dynasty.

"I dare not give advice, but I think there are some problems." Jiao Fang also smiled, "I also think this is the case for putting the Qing government before the reform. But have you thought about it? If the prince presided over the cleanup of the government, I will do it.

, with the current situation of the Ming Dynasty, it will definitely offend most officials. Although these officials may not dare to show it openly, if these officials do not work hard or even make trouble in secret, wouldn’t they repeat the past.

What happened to Wang Anshi’s reform?”

The current situation in the Ming Dynasty is that all officials are greedy, even those young people who have just entered the officialdom and have ambitions to be good officials for the country and the people. But after they stay in the big dye vat of the officialdom for a few years, they will be

It was found that if the common practices in the officialdom were not collected other than those salaries, they would be excluded by all officials, let alone for the country and the people, and I am afraid that even the official position would not be guaranteed in the end, so in this case, most of them would choose.

For example, Wang Qiong and Jiao Fang in front of Zhou Chong, they all came from that step. Even now they receive some common practices such as ice and charcoal filial piety every year. These have become rules in the officialdom. Anyone

All must be abide by.

Zhou Chong had an idea about the issue mentioned by Jiao Fang before, but he suddenly spoke: "Old Jiao Ge, I know very well about the current situation in the Ming Dynasty officialdom, but I think it is not the same.

Not everyone likes to be greedy for money. The fundamental reason why everyone is greedy for now is that the salary of Ming officials is too low. If an official lives on his salary alone, he may have to go hungry. Therefore, this king

I think it is possible to increase the salary of officials and then eliminate those regular incomes. At that time, the legal income of officials will not be much smaller than before. Just like the previous ones, I implemented it in the Governor's Office, so that a large number of officials can be eliminated from being greedy.

.”

Before, when the Governor's Office was established, Zhou Chong treated his officials very favorably. In addition to the salaries of the court, the Governor's Office also had generous subsidies, which were also considered the legitimate income of officials, and the salary and subsidies were distributed uniformly, which eliminated the officials'

Other gray income. And after receiving the subsidy, you must not be greedy anymore, otherwise don’t blame Zhou Chong for being rude. This method has a good effect. After all, Zhou Chong’s subsidy is not less than the usual money they collected before.

With these legal income, most officials will not risk collecting those gray incomes.

However, Zhou Chong's method has two disadvantages. The first is that it is costly. The Sihai Governor's Office had a lot of income before, so it could support it. If it was implemented throughout the Ming Dynasty, it would bring considerable pressure to the treasury.

However, it is not impossible to achieve the prosperity of the Ming Dynasty now. The second one is not a problem. Although Zhou Chong prevented officials from secretly greedy, it was not without loopholes. For example, Zhang Cai, he guided his relatives to manage the sea.

He used his position to master a lot of information, but he made a lot of money. This kind of thing cannot be eliminated in future generations, and Zhou Chong has no choice but to do so for the time being.

Hearing Zhou Chong's introduction of the measures he had implemented in the Governor's Office, Jiao Fang and Wang Shouren fell into deep thought. After a while, they saw Wang Shouren speak, "Prince, it is also a way to increase the salary of officials, but the Governor

There are few officials in the government and can pay salaries uniformly, which is convenient for supervision. However, if they are implemented throughout the Ming Dynasty, if they are not mentioned, the unified distribution of salaries alone is a big problem. If they are distributed from the treasury, then transportation will be very unrestrained.

It is convenient. If it is exported from the local area, it must be intercepted by the local government. In this way, it will be very convenient for local officials to be greedy for these taxes. Therefore, if this problem is not solved, it will only become empty talk if it wants to increase the salary!"

"This..." Zhou Chong couldn't help but feel a headache when he heard this. The Ming Dynasty was not a later generation, and it was not as convenient as the future generations. In addition, the current currency is copper coins and silver. Transport alone is a big problem. I want to distribute it in a unified manner.

The salaries of officials are very difficult. If they cannot be distributed uniformly, it will be very difficult to supervise them, which will bring great convenience to officials' corruption. Even if it is forced to implement it, the effect will probably be very limited in the end.

How did the problem solve this problem in later generations? Zhou Chong asked in his heart that although he had been in the Ming Dynasty for so many years, his memory of later generations was still very clear, but he recalled it less and less. Sometimes he had even forgotten it.

I am a time traveler, but I regard myself as a true Ming Dynasty person.

"Bank!" Zhou Chong suddenly spoke. After searching for it in the future forgot, he finally thought of a solution to the unified issuance of official salaries, that is, to start a bank, to be precise, to establish a central bank of the Ming Dynasty, and then use the central bank

Integrate the existing money houses of the Ming Dynasty, and in the future, the Ming Dynasty will pay salaries to officials in various places. They only need to transfer the money to the corresponding money houses, and then these money houses will naturally use their own channels to distribute them to officials in various places.

Thinking of this, Zhou Chong was also very excited. Daming's money shop business had already formed a considerable scale. For example, there are money shops opened by various merchants in major cities such as Beijing, Nanjing, Hangzhou, and Guangzhou. However, it is generally called silver.

The South calls it a money house, and there is no difference in essence. The business it operates mainly includes storage, release, remittance, issuance of bank notes and exchanges. It can be said that it has formed the prototype of later banks. The only difference is that no government agency has to do so.

The court's supervision has led to the difficulty of ticket circulation between banks, and the banking banks lack communication with each other. Except for a few banks that trust each other, they can exchange tickets for each banking, the tickets issued by each banking can only be in the same banking.

exchange.

In addition, the role of banks is not only here. With the development of industry and commerce in the Ming Dynasty, currency circulation has become increasingly important. In the past, the lack of copper in the Ming Dynasty led to insufficient copper coins in the Ming Dynasty. However, after Zhou Chong occupied Nanyang and other places, it quickly became the case.

Several large copper ores were discovered, among which the copper ores in Luzon alone were enough for the Ming Dynasty to mint coins. In addition, the mining of the Wako Shijian silver ore made the Ming Dynasty the silver and copper capital of the currency.

No longer lacking, but both metals are very heavy and very inconvenient to circulation. For example, if a merchant wants to purchase goods in another place, he needs to bring a lot of silver or copper coins. This is not only inconvenient, but also very unsafe.

, but with a bank, you don’t have to worry about this problem anymore.

Of course, the above is just the function of ordinary banks. If Zhou Chong can establish the central bank of the Ming Dynasty, then the business of ordinary banks can be supervised, so that the Ming Dynasty's money shops or bank accounts can be transformed into regular banks. In addition, the Ming Dynasty can also use some through banks.

Financial means to conduct macro-control of the country's economy is definitely a major event of great significance for the entire country.

Thinking of this, Zhou Chong immediately expressed his idea of ​​the central bank. As a result, Wang Qiong, Jiao Fang and others were all stunned after listening to it. Although they all felt that Zhou Chong's idea was a bit incredible, if they were serious
Chapter completed!