NCCnovel Chapter 141
Chapter 141
Chapter 0141 The existence of the insurance bank is for the villagers to compensate after the fight?!
Soon, Zhu Li remembered the origin of this classic cautionary saying.
Why sleep more before death, and naturally sleep after death!
This sentence came from a female writer in the early twentieth century!
The main thing is to advise the world to cherish time and do more meaningful things, but I didn't expect that the old man actually learned this sentence!
It seems that he has not studied the teaching materials he gave for later generations!
Thinking of this, Zhu Li felt a little crying and laughing.
"Father, this is indeed true, but it doesn't seem to be appropriate to use it here!"
"You still have to take good care of your body and take care of your body!"
Zhu Li said to Zhu Yuanzhang a little helplessly.
"Well, got it, let's go to sleep in a moment!"
"Eh... Your kid is capable, and now he actually teaches us a lesson? "
Zhu Yuanzhang nodded, but then came back and immediately laughed and scolded
"Isn't the son worried about his father's body?"
Zhu Li said with a wry smile.
"If only you had this heart!"
"By the way, how are the affairs of the Daming Dry Family Bank going?"
"Zhang Zhen will respond to Tianfu in a few days, you'd better deal with everything before he leaves!"
Zhu Yuanzhang asked Zhu Li at this time.
"It's almost there, and it is estimated that it will not take long to open!"
"In the early stage, we first did all the business of the money bank, and in addition, the main business is that individuals and corporate loans must formulate some detailed rules."
Zhu Li smiled and nodded.
With Zhang Zhen's cooperation, everything is naturally easy to say, and the efficiency is also quite high!
Qianzhuang is an early credit institution, but at the beginning of the Ming Dynasty, it was not involved in the business of loans, and it was not until the end of the Ming Dynasty that Daming's Qianzhuang had loans similar to later generations!
Zhu Li's Daming Royal Bank, at this time, is also equivalent to the first person to eat crabs!
Although during the Northern Song Dynasty, commerce was very developed, and there were also private lending businesses, but it was basically usury, and the interest was absolutely amazingly high!
Borrow one for two, that's a common thing!
Later, the imperial court also regulated it, stipulating that the interest rate could only be 100% at most, and the maximum could only borrow one and repay two, but it still failed to improve the situation.
You know, it's still statutory!
In the Ming Dynasty, the interest rate of the Ming Dynasty, as long as you write the IOU, basically it is based on the IOU, and how much is written to be repaid, then you have to recognize!
There are still relevant legal constraints in later generations, but in this feudal period, such laws have not yet been shadowed!
Zhu Li can imagine how popular his low-interest loan business will be when it opens up to the private sector!
This is also the best way to combat private usury!
When there are conditions in the future, the standard of the lending interest rate must be directly written into the Great Ming Law, and those who exceed the standard line are all regarded as usury!
And it is strictly forbidden and cracked down on usury!
Of course, these are still Zhu Li's current thoughts.
"What do you think of this Zhang Zhen? Is it easy to use? "
Zhu Yuanzhang said this coldly at this time.
Zhu Li was stunned again when he heard this, and then he was a little crying and laughing.
Why does this sound a little wrong?
Zhang Yu is a dignified Hube Shangshu, the emperor's imperial minister, what does it mean that he is still comfortable with it?
Even if he already knew that Zhu Yuanzhang wanted to train himself to succeed Zhu Biao, Zhu Li felt a little strange!
"Zhang Zhen is a person with a very active brain, although he is from Confucianism, he is not rigid and dogmatic, and he has a lot of ideas!"
Zhu Li gave Zhang Zhen an evaluation in ten minutes.
"Well, that's good!"
"We still think that if you are not satisfied, we will change another one for you!" Since you said so, then keep using it! "
Zhu Yuanzhang nodded in satisfaction.
Zhu Li: "..."
Shouldn't it be so obvious!
We are still only the lord of the clan, not the prince of the Daming Dynasty!
This is the beginning of paving?
Although he was a little surprised by the old man's operation, Zhu Li was still very happy in his heart!
At least that's absolute good news for him!
"Your eldest brother has not been easy these years, if you have time, take him around more, let him follow you for as long as possible!"
Zhu Yuanzhang suddenly brought the topic to Zhu Biao at this time.
When Zhu Li heard this, his heart tightened again.
The old man's words are somewhat intriguing!
What does it mean to take Zhu Biao around?
Follow him for a long time?
"Your eldest brother's time is numbered, I'm afraid he also wants to see more of what he wants to see before he dies!"
At this moment, the voice of winning the government sounded in Zhu Li's mind.
When Zhu Li heard this, he was also full of helplessness.
If he could, he naturally wanted Zhu Biao to live a few more years.
But at present, he is also helpless!
However, the meaning of the old man, after such a reminder from Win Zheng, he also understood.
It's just that I want Zhu Biao to go without regrets.
"The children understand!"
"Father and Emperor rest assured, tomorrow the children will invite the eldest brother to go to the bank together!"
Zhu Li thought about it, then nodded and assured Zhu Yuanzhan when he looked at him.
It is nothing more than to make Zhu Biao feel a little involved, and these things he has done are all credited to him, and he can still meet this wish!
"Well, that's good!"
"It's not early, let's go back to rest first!"
"You also rest early!"
Zhu Yuanzhang nodded in satisfaction, and then walked back towards his palace courtyard.
Early the next morning, Zhu Li was writing detailed rules about some bank loans in his study, thinking of integrating the current housing loan business into the bank, and making this business more specific and formalized!
This will also allow Daming Royal Bank to establish a certain credibility in a short period of time!
"Your Highness, something happened outside the city!"
At this moment, Geng Qing hurriedly came and reported to Zhu Liyu.
"What's going on?"
Zhu Li suddenly frowned.
In the process of development of Hanzhong Mansion, it is not really smooth sailing as it seems, and there will be various small problems!
Occasionally some situations appeared on the outskirts of the city, which were already commonplace for Zhu Li.
But such things will inevitably ruin the mood!
"It's still about Nanlin Village and Shidong Village, and the two sides are fighting again because of the problem of land distribution!"
Geng Qing explained with a wry smile, with a hint of helplessness in his tone.
Because of the distribution of fields, disputes between villages and incidents that have caused armed fights have happened more than once!
And as long as it is a village where disputes have occurred, there is a high probability that it will break out again because of some trivial things!
"King Ben remembers that Zhou Tong's kid is from Nanlin Village, right? Let him come forward to deal with it, a bunch of things on the king's side can't be handled, how can he care about these trivial things? "
Zhu Li knew that it must be because of these things, and his brain suddenly hurt a little.
From the time when he abolished the grain tax and encouraged farmers to clear the land, there were frequent disputes between villages because of the distribution of fields, sometimes simply by brute force!
"But this weapon fight is a little serious, both sides are red, and they almost lost their lives!"
Geng Qing added with some hesitation.
"Then let the people of the Guard Inspectorate go over, and don't give these villagers a little memory, they will definitely commit it again in the future!"
"At that time, King Ben won't have to do other things, just wipe their asses?"
Zhu Li was also speechless for a while when he heard this.
"The point is that these villagers are now running to the insurance bank to compensate!"
"And the Guard Inspectorate can't arrest the people in the two villages, right?"
"The most important thing is that the insurance bank is also entangled, I don't know if this money can be changed to compensation!"
Geng Qing explained with a wry smile.
Zhu Li was suddenly full of black lines!
The existence of the co-authored insurance bank is to find a place to lose money for these villagers after the fight, right?
"Let Zhou Tong watch the processing first, and tell the king of the processing result at night, it is really not okay for the king to take time to go again!"
Zhu Li sighed helplessly and waved his hand at Geng Qing.
After Geng Qing left, Zhu Li directly took the bank loan details that had just been written, and then went directly to Zhu Yuanzhang and Zhu Biao.
He also promised Zhu Yuanzhang yesterday that he would take Zhu Biao to play with him today.
You can't say it without words!
Zhu Li also thought that if everything could not be changed, at least let Zhu Biao go without regrets.
Or he could directly let Zhu Biao be the first president of this Daming Royal Bank!
In this way, it can also reduce the pressure on the imperial court, and maybe there will be unexpected effects!
And the prince is the president of the Daming Royal Bank, it is definitely a living signboard, isn't this credibility suddenly up?
In the northwest land, his vermilion oak's prestige is enough, but looking at the entire Daming, it must be more prestige for the prince!
"Huh? Ninth brother means, let us be the president of this Daming Royal Bank? "
Zhu Biao's eyes also lit up after hearing Zhu Li's invitation!
After coming to Hanzhong Mansion recently, although he felt that life had become much easier and more comfortable, he did not live a fulfilling life, or his purpose in coming to Hanzhong was not to enjoy!
He wants to do something with it, maybe this is also some of the efforts he can finally make for the Daming Dynasty as the Crown Prince of the Daming Dynasty!
It's just that there are some words, and he doesn't know how to talk to Zhu Li.
Zhu Li suddenly asked him to be the first president of the Daming Royal Bank, and he couldn't ask for it!
"That's right, it depends on whether the eldest brother is willing or not!"
Zhu Li smiled and nodded.
"We are naturally 10,000 willing, but we are afraid that we will not do well, but it will drag you back!"
Zhu Biao's heart immediately moved, but at the same time, he also looked a little worried.
He really wanted to do something, but he was afraid that he would mess up such an important thing, which would be contrary to his original intention!
"Afraid of what? Isn't this still Lao Jiu what? "
"You just have to do it according to the method Lao Jiu said, make sure it's okay!"
Zhu Yuanzhang laughed and said, this is equivalent to a hammer!
He was naturally quite satisfied with Zhu Li's arrangement!
It seems that last night's words had an effect!
This old Jiu really didn't let himself down!
"There are ministers who should do a good job of this banker!"
When Zhu Biao heard this, he was no longer pretentious, so he nodded and agreed...
"These are some planning rules for the development of the bank written by the younger brother, and the eldest brother can look at them first!"
"Big brother can also see if there is anything else that can be modified and supplemented, check the gaps and fill in the gaps!"
At this time, Zhu Li handed the thing he had just written directly to Zhu Biao.
"Okay, then let's take a look first!"
Zhu Biao took the pile of plans and began to examine them carefully.
"Father, there is something on the son's side, I want to discuss it with you!"
Zhu Li turned to Zhu Yuanzhang again at this time, he still felt that the issue of field planning should be discussed with the old man!
"Oh? It's rare that you actually have a problem to discuss with us! "
"Let's hear it!"
Zhu Yuanzhang was immediately interested.
Zhu Biao needs a sense of existence, and so does he, the emperor!
This father and son were somewhat hit by Zhu Que!
Zhu Li gave a general explanation of what Geng Qing had just told him about the problem of arms fighting between villagers.
Zhu Yuanzhang frowned again and again when he heard this.
Such a thing, in the past, was also a matter that the emperor was far away, and the emperor could not manage it at all, and he did not expect that behind the rapid development of Hanzhong Mansion, there was such chaos.
Especially when he heard that this group of villagers still ran to the insurance bank to compensate, Zhu Yuanzhang was also speechless!
"How is this happening?"
Zhu Yuanzhang asked with a frown.
"Not much, but it happens from time to time. If a large number of villagers go together to compensate, in fact, you don't need to ask to know that it must be caused by the armed fight between the villages."
"This is also an accidental injury, there is a certain compensation, if there is a human life, the compensation is more!"
"The sons and daughters are now wondering if they should refuse to pay compensation if they are injured by breaking the law!"
Zhu Li explained with a wry smile.
"Then what is the reason for the uneven distribution of this field?"
Zhu Yuanzhang asked sharply.
"Mainly because of land reclamation, the children encouraged farmers in all villages to open up land together, but land reclamation is time-consuming and laborious, and everyone has spent a lot of effort, but wherever there is a little unreasonable distribution of fields, there will be people who are not happy!"
"You think he's taking advantage, and he feels like he's at a loss! In short, such problems arise endlessly, and there is no absolute fairness in itself! "
Zhu Li sighed helplessly.
You know, land reclamation is very hard.
Messy weeds in that wasteland!
If you want to reclaim the wasteland into a ripe land that can be abundant, you have to come several times with gold, wood, water, fire and earth!
Autumn set fire to the weeds, and you have to use a hoe to weed roots!
A small hoe in three days and a large hoe in five days is indeed very hard!
As a result, after the land is cleared, it is unevenly distributed, and no one is willing to suffer losses themselves, and they can do it in minutes!
You said how much effort you contributed, you should have a little more, and he also said that he contributed more!
These northern villagers are originally fierce, their combat effectiveness is a very explosive existence, and even many of them are veterans, and the scene of fighting is not small at all!
"Then the government directly intervenes to distribute the fields, and according to the household registration, each household can be allocated a specified size of reclaimed land, and try to distribute it equally!"
"In fact, such a thing is easy to solve, it is nothing more than the intervention of the government to distribute!"
Zhu Yuanzhang quickly thought of a solution.
In fact, Zhu Li has already thought of such a method, but there is still a problem of credibility in dealing with such a matter by the local government!
"Father Emperor is right, but the official government may not be able to make the people agree!"
"It can only be said that it has suppressed these villagers on the surface!"
"The son-in-law has an idea, if you want to implement it, you still need to obtain the consent of the father emperor!"
Zhu Li directly turned to the topic at this time.
"Oh? Do you have a better way? Say it and listen! "
When Zhu Yuanzhang heard this, he immediately raised his eyebrows.
"In this way, the children thought of setting up a special department to manage the land, called the Land Resources Management Bureau."
"All issues related to land distribution can be handled by this department!"
"As for other local administrative departments, because there are too many things in charge, they are too complicated, and it is inevitable that there will be omissions!"
Zhu Li directly said his thoughts.
"If you feel that it is necessary, then just get us a charter!"
"This matter should also be the responsibility of the household department, you might as well discuss it directly with Zhang Zhen!"
"As long as it is feasible, our side will definitely support you!"
After Zhu Yuanzhang pondered for a moment, he directly indicated the degree.
"Then the courtiers will thank the father and the emperor first!"
When Zhu Li heard this, he was also relieved.
As long as Zhu Yuanzhang agrees!
On the other side, Zhou Tong also got the news from Geng Qing, took a leave from Wang Wei College, and hurriedly went straight to the insurance bank!
The young adult in his village caused such a big mess, and his face was also dull!
As soon as he entered the insurance bank, Zhou Tong saw the familiar villagers with blue noses and swollen faces, two arms seemed to be discounted, and at this moment he was clamoring to make the insurance bank lose money!
So angry that Zhou Tong went up to this gang of people, one of them is a kick!