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- After talking about the grace order, the emperor felt much more relaxed.
But his surprise didn¡¯t stop there.
Liu Mingqi then added: "Your Majesty, regarding the issue of land sales at the junction of the three provinces, although I don't know the specific steps, I think there is a way to solve the problem of lack of money."
"Oh?" Emperor Jinghe was surprised and happy, "Hurry up and say it!"
"The imperial court wants to collect money from farmers to buy land, but the farmers have no money but want land, so we can find an intermediary guarantor." Liu Mingqi said: "Call people from several major banks in the world. Let them borrow money from one household after another, and then the people will hand over the money they borrowed to the court, and everyone will be happy!"
Emperor Jinghe¡¯s eyes widened, he was happy at first, and then frowned.
He said after a moment, "You are wrong! Although the court has obtained money and the farmers have obtained land, they still owe Yinzhuang money. Is Yinzhuang's money so easy to get? They don't give interest? How expensive is this?¡±
"This is also simple." Liu Mingqi said: "The bank must make money, so we assume that the farmers will spend five years to repay the loan, but the interest will not be calculated. Doesn't the court plan to pay eight taels of silver per acre of land? At that time, we will directly raise the price and sell it for nine taels per mu, and the extra one tael will be given to the bank as five years of interest."
Emperor Jinghe¡¯s eyes lit up again when he heard this.
This method is good!
There is no need for farmers to negotiate with the bank about how much interest they will receive, and the bank will not dare to charge them more. Everyone will be treated equally!
But then he had another question: "Do you think it's possible to repay all the money in five years? Such a large amount of money? I don't think they can repay it in ten years!"
Liu Mingqi laughed: "That would be even simpler! As long as the imperial court slows down and is responsible for purchasing their grain every year, it can buy it at a price slightly higher than the market price. Wouldn't it be able to subsidize more to the people?
Starting from the second or third year, if our situation improves, we can also exempt them from taxes, so that they can sell more grain to the court and make more money!
After more than half a year of war this year, and the stocks for several years have been used up, which frontier city is not short of food? Besides, conquering Nanzhao will require a lot of military rations, so we can buy as much rations as they have and we can¡¯t lose to them! "
"Wonderful! So wonderful!!"
Emperor Jinghe also laughed, very happy.
Liu Mingqi solved all the problems immediately with such a combination of punches.
The imperial court received emergency funds.
Farmers get fertile land.
Bank merchants can still make certain profits.
Even these refugees who lost their land can still take root in the Gyeonggi area, which is also worthy of joy!
Looking at it this way, doesn¡¯t it mean that no one loses and gains?
Mingqi¡¯s genius brain is such a blessing! !
But then he thought of another question: "Is it too little to only pay one tael of silver in five years for a principal of eight taels of silver? Can the businessmen agree?"
This is indeed a problem.
The five-year profit is 12.5%, lower than the four major state-owned banks, and even more sinister! !
The profit margin in ancient times was far higher than that in modern times.
Not to mention those black-hearted loan sharks, it is unimaginable for normal banks to make less than 20% of their profits in five years.
??????????????????????????????????????????????????????????????????????????? out of 10% profit every year, they are giving a huge face.
The emperor is not stupid.
He knew that if it was a few million taels, maybe the bank would sell it to the court to save face.
¡°But if it¡¯s tens of millions of taels, it will take up a lot of the bank¡¯s principal, and it¡¯s impossible for them to suffer such a loss.
No matter how powerful your emperor and the court are, I will say that I don¡¯t have it, so what can you do?
You can¡¯t just confiscate your family and exterminate your clan because of this, right?
Taizu had special strict orders.
Unless businessmen are guilty of serious crimes, not only are they not allowed to discriminate, but they are also not allowed to force them.
On this point, even the Legalists who look down on businessmen the most will try their best to defend them.
When the Legalists are in trouble, no one can find peace.
Liu Mingqi also understands this, so he has already made a plan: "On the surface, we can only give them a benefit of one tael of silver, but we can give them other benefits as compensation!"
"What's the benefit?" Emperor Jinghe looked at him, "Mingqi, please don't act recklessly."I believe there are still businessmen in this world who are not afraid of Ge Shashen! "
Emperor Jinghe nodded first, then expressed appreciation, and finally smiled.
"Actually, Hong Lian is also a poor man! He suffered such a big blow." He defended Ge Songdao, and then said: "But it's good to let him supervise! I can trust him!"
The emperor who spoke was very happy.
He didn¡¯t expect Liu Mingqi to solve the problem so quickly.
It was a very complicated and difficult matter, but he so skillfully found a middleman to solve the problem immediately.
With Ge Songdao supervising them, not to mention these businessmen, even the feudal officials have to jump three times!
"Except for these, I think what Prime Minister Cao and his colleagues said is good." Liu Mingqi added: "The imperial court should send capable and capable officials to the junction of the three provinces to strictly investigate all kinds of encroachments and violations, and to clarify all The wasteland soil, otherwise our income of tens of millions of taels will be just empty words!"
"Yeah, I know."
Emperor Jinghe nodded and asked casually, "According to your observation, who do you think can go?"
"Does this need to be said?" Liu Mingqi replied: "They must be young and energetic, not those old men. They don't have any spirit, and they don't dare to offend anyone. Oh, by the way, Wang Zhigeng is an exception! "
Emperor Jinghe smiled unconsciously.
Wang Zhigeng tried to put Liu Mingqi to death twice in a row, and each time he was under tremendous pressure. He was never afraid of anyone and was a very hard-headed person.
It would be a good idea to send him there!
Zhao Shou deliberately wanted to remind the emperor that Liu Mingqi was a member of the clan and could not express his opinions on important court affairs.
¡°But then I thought about it, Liu Mingqi was the emperor¡¯s think tank. If he didn¡¯t dare to speak at this time, what was the use of the think tank?
¡°Besides, look at the person Liu Mingqi mentioned. Could Wang Zhigeng be Liu Mingqi¡¯s party member?
Totally impossible!
So Prince Yu¡¯s words must be out of public motives.
Thinking about it, I have suggested several times that Prince Yu come over to discuss his views and come up with ideas, but it was against the rules.
Fortunately, the emperor is not the kind of person who crosses rivers and burns bridges. Otherwise, based on this alone, he, the eunuch, would have been demoted to guard the imperial tomb of the late emperor!
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