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423 Loan accident

Although Emperor Chongzhen had already explained that triumphant success was a common thing and there was no need to mobilize troops to welcome him. However, Empress Zhou and the Prince of the Supervisor still brought all civil and military officials out of the city.

Of course, the people in the capital were willing to join in on this festive and lively, and in the end they were like the last time they passed away from Liaodong. Most of the people in the capital went out of the city to welcome the royal army's triumphant.

When the emperor went to war, they felt that the enemies on the grassland were too difficult to deal with. Although they felt that the emperor's wise and magical martial arts would definitely defeat them, if they wanted to wipe out them, even the famous generals who founded the country and the later Emperor Chengzu did not do it. So could the emperor do it?

Now they certainly know the result, and the emperor did it!

At this time, the civil and military officials of the court and the people of the capital felt that the emperor was now omnipotent in leading the army and fighting wars, and could win any kind of battle! Throughout history, it is estimated that few emperors are more powerful in commanding troops and fighting wars today!

As the emperor's people, they were of course extremely proud. Not only did they not become numb because they saw the triumphant victory, but they were even more enthusiastic and excited.

When Emperor Chongzhen led his troops to appear in the sight of the people in the capital, he had already knelt down first and shouted in unison. The sound of this sound echoed over the capital again.

The soldiers of the three camps under the Imperial Horse Supervisor were already a little used to this grand welcoming ceremony. As long as they follow the emperor to go to war, they can enjoy this honor.

However, this was the first time that the 60,000 soldiers who had just been selected into the Beijing camp from the important border towns of Qin and Jin. Not to mention ordinary soldiers, even Wu Sangui, the general of the aid and suppression, was excited when facing such a grand welcoming ceremony. He felt that he was fighting outside and having such an honor when he returned was worth it!

Everyone is paying attention! This is the glory that a good man should have!

However, at the front of the team, behind the imperial guards, there were more than a thousand Ming soldiers holding an urn in their hands. Faced with the congratulations from the queen, the prince of the regent and the ministers, Emperor Chongzhen was not very happy. He just turned to look at the urns and said solemnly: "The Jianlu who could completely wipe out Hetao and remove the Urat tribe and Chahar tribe who were accomplices of the tigers, thanks to the soldiers' desperate fight. Look, they died on the battlefield in order to defend their country and for the peace of the northwest of the Ming Dynasty."

When war, there are no one who will never die! Many people were a little dissatisfied with this when they heard this. Just as they were about to talk to comfort the emperor, Emperor Chongzhen continued: "Behind every soldier's death in battle, there is a family who lost their son, brother, younger brother, and even father. Although the court had some pension, they could never heal their pain. They were all good men of the Ming Dynasty. Without their efforts, other people would have to bear the suffering of military disasters. How many people would be displaced for this, and their wives and children were separated and their families were destroyed and their families were destroyed!"

In the past few years, the capital was invaded several times by Jianzhang several times. Therefore, the people in the capital also empathized with the pain of military disasters.

At this time, when the emperor said this, many people took the matter of the Ming soldiers' death more seriously and agreed with the emperor's statement. If all the Ming soldiers could fight against Jianlu, how could Jianlu still rage in the capital? These soldiers who died in battle are indeed worth commending and affirming.

Emperor Chongzhen saw their expressions change, and he was in mind, so he named the Ming Dynasty’s Chief Minister and the Minister of Works, and ordered them both on the spot: “I have decided to build another Ming Dynasty Martyrs’ Temple next to the Taimiao. All officials who died for the Ming Dynasty, including the soldiers who died in the battle, and the people, can get the name of loyalty and martyrs, enter the temple to enjoy the incense of the Ming Dynasty, and live with the country! At the time of the festival, the crown prince will lead all officials to pay tribute to the sacrifice, and when there is no crown prince, the chief minister will lead all officials to pay tribute to the sacrifice.”

When Xue Guoguan and other civil and military officials heard this, they were all shocked. This was the smallest Taimiao. Even those who entered this Martyrs' Temple would have to be named as the Martyrs' Temple, and the crown prince or chief minister led the civil and military officials to pay tribute. What a great treatment!

However, the emperor made it clear that all those who died for the Ming Dynasty could go to the temple to enjoy incense, which would add a possible honor to all the Ming people. Although they felt that civil servants would be treated the same as those who died in battle, they felt that they had lost their status. How could this be the same?

However, when Emperor Chongzhen first spoke, he emphasized that "I have decided my intentions." His prestige was unprecedented, so that these ministers dared not go against the emperor's wishes. Especially when the triumph began, before facing the ashes of the soldiers who died in battle, they really dared to say this. They felt that the emperor was so bloody. If you were not careful, it would cause the emperor to be angry, and that would be a big blessing.

Therefore, after Emperor Chongzhen finished speaking, civil and military officials did not dare to raise objections here.

Of course, afterwards, they thought about the details to set off the fact that the literati's death is more rare than the warrior's death, and it is inevitable that they will have a higher status.

For example, there are some considerations for the place of worship in this Martyrs' Temple. Whoever is in the most conspicuous position or in the corners will be able to spend time.

Of course, Emperor Chongzhen would not be so stubborn that he would do everything according to his own wishes. Being able to take this step has made a lot of progress compared to before. Things like literary, noble and lowly martial arts have been deeply rooted in the hearts of the people and cannot be truly changed by his own will. Making some appropriate concessions on small matters is also a trick that an emperor should master.

Of course, the establishment of the Martyrs' Temple is not enough in just one sentence, and there are still many things to do.

For example, how to be rated as a loyal and martyr can enter the temple of Martyrs, this requires formulating a specific detailed rule, rather than relying on a vague death for the Ming Dynasty; discussion of this detail alone will consume a lot of energy from the monarch and ministers.

Also, if you build a temple of Martyrs, you need money! If you want to distinguish the treatment of Martyrs from others, you will definitely need more money, and there is also a difference in status and reputation. These details are also subject to discussions between the monarch and the minister.

The civil and military officials have no experience in these things.

However, Emperor Chongzhen's soul came from later generations and had some references; such as the evaluation and treatment of martyrs, and the issuance of nameplates marked by Ming soldiers in the army, so that even if the Ming soldiers died in battle, they would not be confused, and the honors that soldiers should have can be obtained.

Therefore, it can be said that everything about the Martyrs' Temple was carried out under the leadership of Emperor Chongzhen, which was the first thing Emperor Chongzhen did after returning to the capital in triumphant return.

When he was busy with this matter, Emperor Chongzhen naturally had to pay attention to other matters related to this matter, such as the issue of the court's fiscal revenue.

In other aspects, they met his expectations, but one thing was beyond the expectations of Emperor Chongzhen.

The provincial branches of the Royal Bank of the Ming Dynasty have been established after years of promotion. However, in terms of deposits and loans, they are not very ideal, even in places with strong commercial atmosphere in Jiangnan.

For this reason, Emperor Chongzhen carefully looked through the relevant information, and finally found that the conditions for the loan were limited, because he was afraid that the loan would not be collected and became a dead account, so he set it higher, and the value of the mortgaged property should be higher than the principal of the loan. This made many private merchants hesitate, fearing that after losing money on the loan, the mortgaged property would be gone.

Even this is true in Jiangnan, let alone other places.

Therefore, Emperor Chongzhen summoned all the ministers to discuss matters in Wenhua Hall. He asked them to think about how to deal with this matter?

In the opening remark, Emperor Chongzhen said simply and simply: "The money in the bank must not be lying down. Only by allowing it to flow and letting money create more money can it be in line with my original intention of establishing a bank. But now, even in the Jiangnan area, there are very few people who borrow money. What do you think?"

What he said was not to make more interest rate spreads, but to make people take out loans to do business, which can create more job opportunities and make some people rich first.

The officials who came to discuss the matter naturally received notice in advance and knew that they would talk about it, so they were prepared. The chief assistant Xue Guoguan first made a statement and said: "Your Majesty, the people dare not lend money to banks. They are really worried that when they can't pay it back, the collateral will be confiscated by the government, so they are afraid. I think that if the collateral is not so expensive, maybe some people will try it?"

In fact, there is another reason that they didn't dare to say.

If there was no supervision from the local censorship or the factory guards, the local officials and gentry would be happy to take out loans. With their status, the money would not be so easy to return to the bank.

Without these powerful local officials and gentry to borrow money, ordinary people naturally feel a sense of fear when facing the banks opened by the court. Moreover, their vision is limited and the risks they bear are limited. Together, it is understandable that this situation is now.

Wang Chengen, the admiral of the East Factory, also took the lead and reported to Emperor Chongzhen: "Your Majesty, the East Factory has received news from some provinces that some local officials and gentry were secretly blocking the private loans to the branch of the Royal Bank of the Ming Dynasty. It was just that they influenced them through private compliance measures, so the local servants did not take any measures. Otherwise, the servants asked them to beat them up, or catch a few to kill chickens and scare monkeys?"

I have been sitting in the position of the admiral of the East Factory for almost two years. Wang Chengen's words unconsciously also had a bit of ruthlessness.

When Emperor Chongzhen heard this, he frowned and asked, "What kind of compliance means?"

When Wang Chengen heard this, he immediately reported the news from his subordinates and told them in public.

In fact, he had already reported to Emperor Chongzhen alone, but Emperor Chongzhen felt that it was necessary to say this matter again on a formal occasion, just to these court officials.

In today's era, when saving money to a bank, there is a custody fee. It is rare to say that interest will be given to the depositor. In addition, the bank's loans, including private loans, are all from usury.

However, since the establishment of provincial branches of the Royal Bank of Ming Dynasty, not only do they need to save money, but also pay interest; while the interest on loans, although higher than the interest on deposits, is definitely far lower than the interest on previous bank loans, not to mention the interest on those private loans.

In this way, the establishment of branches of the Royal Bank of Ming Dynasty affected the interests of these people. These money banks and private lenders were basically rich and powerful local officials and gentry backgrounds. Therefore, they naturally did not want to be robbed of business, so they wanted to use means to stop them.

If it were the past, the majesty of the court had long disappeared in the chaotic times of the late Ming Dynasty. They wanted to destroy the branches of the Royal Bank of the Ming Dynasty, but they had some means and did not have any scruples in their actions.

However, in recent years, the situation in the chaotic times of the Ming Dynasty has been fundamentally curbed. First, the emperor personally led the army to seize all the thieves and quelled the thieves' turmoil; then, the emperor issued an order to increase the national disaster relief and relief to the greatest extent and save countless people. Naturally, the people were grateful to the court, and the prestige of the government began to take root in the hearts of the people again.

In addition, the imperial court continued to win great victories, and the emperor severely punished officials who violated the law and discipline. Just the time after the Changshu Rebellion, the emperor dismissed or punished more than 100 local officials in one breath. It can be seen that the emperor's attitude towards the local area is very strict. Those who dare to cause trouble, even those who fight against the court with public opinion will not have a good end.

Such things have caused these people to suffer from the interests to dare not easily provoke the majesty of the court. However, they are definitely unwilling to give up, so they thought of other tricks.

For example, if someone in a clan wants to go to a bank to take out a loan, the clan will say that the loan can be done, but it will not be stopped, but in the future, it will not be a clan, or the interests within the clan will be weakened. How many people dare to go to a bank to take out a loan?

Also, if you have business dealings on weekdays, they can use this kind of business dealings to prevent others from taking out loans to the bank.

As long as you are willing, you can definitely find a lot of compliance methods like this. There are definitely very few who can break through various restrictions and go to bank loans.

After Wang Chengen told this situation, he immediately responded to Emperor Chongzhen with murderous intent: "Your Majesty, these unruly people dare to go against the court. It is absolutely useful for me to teach them how to be a human being! Some people just need to deal with it!"

When Xue Guoguan and other civil servants heard this, they were shocked. If the emperor agreed and the factory guards did not follow the rules, the consequences would be serious.

They were thinking about this, and just as they were about to submit a memorial to stop him, Emperor Chongzhen said, "No, anyone must do things according to me and the rules set by the Ming Dynasty. I will reiterate this point, including the factory guards, that should not be violated!"
Chapter completed!
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