The Ming Dynasty ushered in a rare prosperous era, so this reward for the ministers is naturally indispensable.

Taichang also wanted to seek some benefits for the people. After all, the people are the foundation of a dynasty.

If a dynasty is rich and the people are not at all good, then this dynasty will definitely not last long.

So, how to benefit the people?

This is not an easy task.

Taichang thought about it carefully, then asked, "Now the money house has no money for deposits and withdrawals or exchanges, right?"

Wu Yangchun hurriedly bowed and said, "Yes, the emperor, now we don't charge money for deposits and withdrawals or exchanges. We just rely on borrowing to make profits."

Taichang then asked, "What is the interest on the loan?"

Wu Yangchun quickly explained: "This depends on the time of borrowing. If it is within one month, it is calculated as five percent. If it is within ten months, it is calculated as five percent every month. If it is one year, it is five percent."

The interest rate is not high, after all, the exchange fees in other places were higher than this.

Taichang nodded slightly, then asked again: "How much capital does the Daming Money House have now."

When Wu Yangchun heard this, he was stunned for a moment, and then he said carefully: "Your Majesty, I'm brave enough, didn't you say that the principal of the Ming Dynasty Money House is 100 million taels?"

Uh, OK.

Taichang couldn't help but say embarrassedly: "What I mean is the amount of surplus in the Daming Money House now, or if I want to borrow a lot of loans to the people, how much money can you take out."

Oh, that's what it means.

Wu Yangchun and Zhu Youjian looked at each other, and then whispered: "Your Majesty, we have a lot of surplus now. We have opened more than 200 semicolons in the two eighteen provinces of the Ming Dynasty. We have retained at least one million taels of silver gold ingots, silver ingots, gold coins, silver coins, and copper coins worth one million taels. Large semicolons like Jinling and Beijing are even more tens of millions of taels. If we include the balance of the semicolons of the vassal states, we can at least take out 500 million taels."

Five hundred million taels, is it a lot?

The population of Ming Dynasty is estimated to be 200 million now!

For 500 million taels, on average, each person can borrow two or three taels of silver.

What can this little money do?

Taichang couldn't help but sigh, "I don't have enough money, what should I do?"

ah?

Everyone couldn't believe their ears. Five hundred million taels were not enough?

If it were the case before, let alone 500 million taels, they would not dare to think about 50 million taels!

Wu Yangchun was stunned for a moment, and then asked carefully: "Your Majesty, I dare to ask, why is 500 million taels not enough?"

Taichang couldn't help but sigh: "The Ming Dynasty is probably more than 200 million people now. I want to seek some benefits for most people. How can 500 million taels be enough?"

Well, give most people some benefits!

How much does this cost?

Wu Yangchun asked again: "Your Majesty, I will ask you again, how can I benefit most of the people?"

This is very complicated.

Taichang thought for a while and then explained: "Simply put, it is to appropriately reduce interest rates and borrow some money to the people to do business so that they can make more money."

The emperor's idea is good.

The question, do individuals do business?

Wu Yangchun felt that this question was a bit offensive to the emperor. After thinking about it, he still gave King Xin Zhu Youjian a wink.

King Xin and the emperor are father and son, so there should be no problem asking this.

Perhaps, after they stayed together for a long time, they had a tacit understanding with each other. King Xin Zhu Youjian asked without hesitation: "Father, not everyone can do business, right? If we lend money, not only does others not make money in business, but also lose money. What should we do?"

How to explain this?

Taichang thought for a while and simply said, "This must be coordinated by the Western Business. By the way, do the Western Business have directors serving in the Beijing General Account?"

The Daming Money House was held by the father-in-law Wu Yangchun and the king of Xin Zhu Youjian in the capital. He knew this.

He really didn't know much about the Western business, because directors like Zheng Zhilong and Xu Erjue seem to be busy outside all year round, and Zhang Zhiji and Xu Yunzhen followed him.

There is also Cheng Jiashuo. That guy likes to develop things and will definitely not sit in the general account honestly.

Others seem to be no one else.

Unexpectedly, King Xin Zhu Youjian nodded without hesitation and said, "Some, father and Duke Cheng have been serving in the capital city."

Oh, there is also a Duke Cheng.

He really doesn't understand Zhu Chunchen, Duke Cheng.

Taichang thought for a while, then said to Wang Chengen: "Go and order people to call Cheng Guogong and Cheng Jiashuo over."

This place is really convenient, very close to the Badu Yamen, and the general account of Western business names is on the opposite street.

Not long after, Zhu Chunchen, Duke Cheng and Cheng Jiashuo, the Minister of Commerce, arrived here one after another.

The Duke of Chengguo was actually quite loyal to the royal family, and so was Zhu Chunchen.

Therefore, Chongzhen trusted him quite a lot in history.

However, Zhu Chunchen seemed to have made some small statements to the treacherous ministers Wen Tiren and Zhang Zhifa, and offended these guys.

Therefore, it is clearly recorded in official history that in March of the 17th year of Chongzhen, Li Zicheng attacked the capital. The emperor ordered Chunchen to govern the army of the Chinese and foreign countries to assist the prince. Before the order was sent, the city had been captured and Chunchen was killed by the bandits.

However, the treacherous ministers' gangsters and descendants were bored to make up Zhu Chunchen and expose him to persuade him to advance, but Li Zicheng was killed.

This rumor is a bit outrageous. Li Zicheng is not a lunatic. If Zhu Chunchen really offered his family and advised him to be the emperor, and he even killed others, then who would dare to do things under him?

The historical fact is that Zhu Chunchen was killed when the city was broken, and Li Zicheng became the emperor after others persuaded him.

Just kidding, others advised him to be the emperor, but he even cut off others after becoming the emperor. It’s a problem!

This rumor is really unreasonable.

Taichang looked carefully and found that Zhu Chunchen was obviously an honest young man.

After the monarch and ministers greeted him, he tentatively said: "Chuchen, how is the business of Western business companies recently?"

Well, this business.

Zhu Chunchen hesitated for a moment and said honestly: "I dare not hide it from the emperor. The business of the business has not been very good recently.

Because merchant ships were transferred to transport prisoners, the goods of the merchants were piled up in various parts of the Ming Dynasty, and overseas provinces and vassal states could not get the goods, which was quite difficult.

Weichen could only mobilize some fishing boats to deliver the important goods first, but this also affects the fishery income.

Alas, I am incompetent, this problem really cannot be solved.”

Well, this kid is still very concerned about the business of Western business companies.

Taichang really didn't expect that he would test others and even test the big problem.

People say so, it seems that the problem is already very serious.

Taichang thought for a while, then said decisively: "Let me do this, I will lend you the naval warships and warships to you for emergency response first. In more than a month, the merchant ships should be able to rush back one after another. This year, I am not going to continue to conquer the Mongolian Yuan tribes outside the Great Wall. Please make arrangements."

Upon hearing this, Zhu Chunchen hurriedly bowed and said, "Thank you for your grace."

Taichang continued to ask: "Is the supply of Western merchants sufficient? What I mean, is there any supply and demand for goods needed by overseas provinces and vassal states?"

Zhu Chunchen said without hesitation: "This was a bit a bit before the New Year, but we have asked merchants from all over the country to find ways to increase production, so there should be no big problem now."

That's it.

Where do the things that ordinary people make after borrowing money go?
Chapter completed!