Chapter eight hundred and seventeen borrow money
Chen Feng did not disturb others and moved into an inn in the west of the city. However, just after he moved in, he came to visit alone.
His beard was already pale and his face was quite decent. Chen Feng looked at the person in front of him and immediately met him.
"Mr. Tao, it's already dark, and I'm still here to find me. It's so hard." Chen Feng said.
The person who came was Tao Kai, Minister of Rites.
"Prince, I learned that you have returned to the city in a hurry and the officials are not prepared well. Please forgive me. This time, I will ask the prince to spend the night at Xiaguan's house. It is always more comfortable than in this inn." Tao Kai said.
The prince came to Yingtian, and there was no mansion here, so Tao Kai needed to prepare for the prince, so he was rude last time. This time, Tao Kai could no longer neglect the prince.
When Chen Feng heard Tao Kai's words, he turned out to be for this matter, so he couldn't help but smile: "Mr. Tao, I'm fine here. I should leave tomorrow. Besides, my subordinates are still bringing more than 400 guards to your place. I'm afraid the place will be a little small."
After Chen Feng said this, Tao Kai's old face turned red.
Generally speaking, if an official reaches the level of the Six Ministers of the Secretariat, he is still a first-class official. How could his mansion be too shabby?
However, Tao Kai's mansion was really not big. After Zhu Yuanzhang conquered Yingtian, he confiscated the original Tartar officials' mansions and divided one of the side courtyards to Tao Kai. At best, it was similar to the courtyard of an ordinary wealthy family in Yingtian City.
Besides, even if the yard is large, with Tao Kai's salary, he cannot afford to hire too many maids in the family.
Therefore, Tao Kai felt very embarrassed when Zhu Yuanzhang said this.
Chen Feng just said casually, now, looking at Tao Kai's performance, you will know what's going on.
"Mr. Tao, the court is in a difficult time now. When our Ming Dynasty has strong national strength, the salary will naturally be high." Chen Feng said.
After saying that, he felt that this was not appropriate, and Tao Kai's old face turned redder.
In fact, no matter what kind of salary is, the salary of officials will not be too high, no matter what dynasty, the salary of officials will not be too high. The problem is that in any dynasty, officials have their own way of making money.
Although the Ministry of Rites is a Qingshui Yamen, it also has its own tricks, which is a pity.
And in this Ming Dynasty, the scarecrow was always awakening them. If there were any corruption and abuse of power, the scarecrow was their role model!
In fact, this is not the most ruthless. The most ruthless thing is that Zhu Yuanzhang asked Liu Ji to thoroughly investigate everyone's family's assets, how much surplus food, how much gold and silver each person has, and how much expenditure is.
This move is the most ruthless.
Because, even if they embezzle public funds and have money on hand, they have to hide it quickly. Once they take it out, they will be discovered. This money is not a salary, so how did it come about? Just check it in this way and check it out accurately.
Therefore, even if you have money, you dare not spend it. Everyone lives the same life as the emperor, with clear water and few desires.
Tao Kai felt that it was really boring to be a good official. However, resigning from office was even more unacceptable.
Therefore, Tao Kai's face turned redder and became more and more red.
He reached out his hand and touched his old face. After touching it, he exposed the sleeves of his underwear, and there was a patch on it.
Tsk tsk, when Chen Feng saw it, he immediately felt sad for these people who worked at the feet of the emperor. Emperor, if you want the court to be honest, you should also give these officials a way out, at least you can get a high salary to maintain integrity.
In Chen Feng's fief, those officials lived a very easy life. Chen Feng found out about corruption and bribery and was determined to be executed. However, as a normal official, his salary was already very high, so high that he would not take risks. Those who were greedy would wait for a bullet in the firearm.
Zhu Yuanzhang did not give money or embezzlement, which made these officials live a miserable life.
Seeing Chen Feng looking at his cuffs, Tao Kai coughed twice. Prince Chen didn't go to his place, and Tao Kai would be fine this time.
Just as he was about to say goodbye and asked Prince Chen to rest early, Chen Feng spoke.
"What is your current salary?" Chen Feng asked.
Finally asked the most critical one, Tao Kai said: "The official's monthly salary is 35 shi and his salary is 300 stakes."
The Minister of Rites is a senior official of the third rank. This salary is indeed not high, especially the salary, which is nothing like that. Sometimes, the rice and thirty-five stones will be replaced by other grains. If the price of grain is not high, these salary will depreciate.
The Ming Dynasty did not directly issue silver to officials. If they wanted to spend it, they had to sell the grain and turn it into silver.
Chen Feng pondered for a moment and said, "Mr. Tao, why not let Master Ling do business?"
In later generations, officials could not do business, but now,
With the precedent of Chen Feng, Zhu Yuanzhang could not control other officials to do business at all.
However, the status of a businessman has always been looked down upon by those Confucian scholars.
"Your Majesty, the officials are not good at doing well, and those sons are not good at doing well. They all know that they are studying at home and no one is willing to do business." Tao Kai said.
This business is really shameful to them. Moreover, they are not willing to work hard to do business while staying at home and relying on their father's salary.
Even if Tao Kai wants to do it, he is old and has no way out. Besides, he works as a businessman under the emperor, how can he go to do business?
Therefore, Tao Kai was very conflicted. Now, when he heard Prince Chen’s question, he didn’t know what to say.
"That's it. I heard that there are several businessmen in Jiangnan who want to go overseas to do big business, but their capital is not rich and they want to find someone to borrow some capital, and the interest is generous." Chen Feng said.
After hearing Chen Feng's words, Tao Kai didn't know what Chen Feng meant.
"Prince, if they want to borrow money, the officials can make up for it and get a few hundred taels of silver." Tao Kai said.
A few hundred taels of silver were not just collected, but all the households registered by Tao Kai were saved after his monthly salary was thrifty.
Now, Prince Chen said this, as if he wanted to borrow money from him. At this time, Tao Kai had no complaints. If the prince wanted to borrow, he would lend it to him. Anyway, the prince's family had a great fortune and would definitely not let him suffer any losses.
By the way, why did the prince lack this little money? At this time, he realized again and felt curious.
"A few hundred taels of silver?" Chen Feng said: "It's not too much, but it's not too much. Let's do it. I'll contact you. If he lends you three hundred taels of silver, he will borrow one year's interest and calculates two hundred taels of silver for you."
"No, no, prince, please don't have interest, prince... If that person wants to use it, let him use it well." Tao Kai said.
Three hundred taels of silver, the annual interest rate is only 200 taels, which is quite a lot. However, how could Tao Kai ask Prince Chen for interest? So, he was very determined.
"No, borrowing money plus interest is natural. After this year, it will be five hundred taels. If you lend it to him in the second year, then in the third year, it will be eight hundred taels. But, only you are three hundred taels, there is a lot of demand, because they have a lot of money in the imperial court. Look at who has surplus silver, please contact me and borrow it." Chen Feng said: "When
However, this is your private borrowing of money and interest, and it has nothing to do with me."
Chen Feng seemed to be a little cold, but Tao Kai's heart suddenly became warm. He knew that it was Prince Chen who was helping them find a way!
Prince Chen knew that these officials had little wealth and were used to being a light life.
It’s not that they don’t want to make more money. Even if they make money, there is no place to spend it. If the wealth and income they own are not in line with, they will be considered as corruption by the emperor.
Now, the method provided by Prince Chen is to lend out the money he has. In this way, it is natural to collect interest. He has not done business and has obtained more money. After two years, three hundred taels will become eight hundred taels, which is definitely very cost-effective.
The method provided by Prince Chen solved their problems just right, so that they no longer worry about their income. It is difficult to find a second one in the world for such a good thing.
Although Prince Chen said that he knew a few people, Tao Kai knew that in fact, Prince Chen must be helping them himself.
Prince Chen said that it had nothing to do with him, just to prevent the emperor from doubting that this noble character is a blessing for all officials!
"Yes, Prince." Tao Kai said: "Since that's the case, I'll go find other officials."
"Don't look for it deliberately. It's best to just talk casually when you are unconscious." Chen Feng said.
"Yes." Tao Kai was very excited, as if he was looking at his family's background, he was slowly becoming rich, and he no longer had to worry about his sons having no money to get married.
Tao Kai said goodbye and left. Liu Gou'er, who was beside him, asked Chen Feng in confusion: "Prince, why don't I know that someone wants to borrow money to do business? I have 800 taels of silver here, so why don't I lend it out too."
"Brother Gou'er, keep your money for yourself and get married." Chen Feng said. Chen Feng was not interested in his family's money. This is called illegal fundraising in later generations.
In fact, the money from these people is equivalent to Chen Feng keeping it for them and then giving them interest, that's all.
Chapter completed!