"My suggestion is to raise the salaries of officials first. No matter how much the salary is raised, we should give them some incentive first. Before that, we should make the Ministry of Revenue play the victim. Don't mention the issue of officials not repaying their loans. Whenever there is any need for the Ministry of Revenue to provide funds, have its officials cry poverty in court. They should cry poverty when it comes to spending money."
"Give the Emperor the impression that the Ministry of Revenue is short of money. If the Emperor wants to use the national treasury's money for a tour or to build a garden, or for anything involving the use of the national treasury's money, have the Ministry of Revenue start crying poor. As they cry, the Emperor himself will start to get anxious."
"Then we can expose it when the time is right, and Father Emperor will naturally take this matter seriously."
"If it goes through, we can't rush to collect the loan. We can't ask for it all at once. We have to ask for it in batches. I see that the largest amount borrowed here is several hundred thousand taels. We can give such a period of four or five years. Anyway, it's not a lot to borrow such a large amount."
"For the rest, we can lend small amounts and give a grace period of one or two years. You can't get fat in one bite. This matter needs to be done slowly."
"Furthermore, I think that since it is a decree issued by Father Emperor, it cannot be wrong. Even if it is wrong, it is still right. It can only be said that the people below did not understand Father Emperor's intention. We cannot cut off the way for officials to borrow money directly."
“We can arrange for them to repay the loan on a regular basis according to the amount they borrow. We can set out a set of rules, for example, if they borrow 10,000 taels of silver, they can borrow without interest, but they must start repaying 500 taels or 1,000 taels of silver per month after one year. In this way, the 10,000 taels of silver borrowed can be repaid within ten to twenty months after the loan is issued.”
"To prevent people from taking advantage of the rules to borrow money repeatedly, it can be stipulated that each official can only have three or four opportunities to borrow money. After all, everyone has times when they urgently need money, but no one is so unlucky as to always be in urgent need of money."
"Moreover, the number of times is less, and when borrowing money, they will be more careful to use their allotted time and will not borrow money so frequently."
After hearing what the young consort said, Yinzhen felt a bit overwhelmed; he hadn't realized that this could be done.
His little wife is truly his lucky star.
"Cheng'er, you are so talented."
Tong Cheng'er shook her head and smiled, thinking to herself that she was nothing special. She had applied for student loans because she didn't have enough tuition fees when she was in school, which was why she knew so much.
Furthermore, she studied financial management, so she knows a bit about this area.
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