$ Chapter 535 35. Yamauchi Gold Reserve Was Established

Let's take a look at the rank of my father-in-law, Hosokawa Harumiya, the doctor Michiaki.

Born in the early 16th century, he experienced all the historical events of the shogunate from barely having a split to being completely beaten into a dog.

Ashikaga Yoshizai (Tasa), Ashikaga Yoshisumi, Ashikaga Yoshiharu, Ashikaga Yoshiteru, Ashikaga Yoshiei, experienced the ups and downs of six generals and five generations.

He watched the rise of the Hojo clan and the decline of Shinano guardian Ogasawara Nagatake after his death. He witnessed the support of the Shinano nobles Nagao Tamekage in attacking and killing the Kanto Kanrei, and also witnessed the death of Suruga guardian Imagawa Yoshimoto.

The main family, the Hosokawa Kyosho family, has been commanding the world, and now it is almost extinct. Everything big and small has fallen into his eyes.

Even if you don't do anything, you can be said to be well-informed after living for more than 60 years. What's more, Hosokawa Harumiya not only did it, but also did a lot of things, and even personally took action.

As soon as Yamanouchi Yoshiharu fell, the whole city was in turmoil, but the old father-in-law calmed the situation with just a few words.

If it weren't for the fact that Yamanouchi's stage was not big enough, if he had served as the head of his main family, the Hosokawa Kyocho family, who knows what the world would become.

When such a big man comes forward, sometimes he is even more effective than the well-respected Kobayata.

In the recent movie "Battle of Sekigahara", Maeda Toshiie is old with white hair and a hunched back. But he stood at the street corner with a gun, and the thousands of troops led by the so-called Shichijo Guns of the Kanayama dared not even fart.

These big-headed and thick-necked warriors did not dare to offend Maeda Toshiie, who came out of the ancient and small town of Owari Province in the wind and rain.

His identity is there! His prestige is there!

It is needless to say what the scene was like when Hosokawa Harumiya negotiated with Yamauchi Sukei. Even if Uesugi Kenshin came, he would nod and say hello to Hosokawa Harumiya.

The old father-in-law was the bad guy, so he was only the bad guy in front of Yamauchi Sukei. As for the bad guy in front of the Yamauchi samurai, I'm sorry, you Yamauchi family have to pick someone to take the blame. The Yamauchi family belongs to the Yamauchi family, not the Hosokawa family or the Sukoji family.

Imagawa Yoshichika, who was originally appointed as the general director, could not do it, and was replaced by Yamauchi Sukei.

This is very telling of the direction of the wind.

Then Yamauchi Yoshiyasu, who was the representative of the Imonshu, was replaced by Imagawa Yoshichika, and the representative of the hereditary retainers was naturally replaced by Isshiki Miyauchi.

Yamauchi Yoshiyasu, who was originally scheduled to be trained, was excluded, and children could not participate in such a struggle.

The representatives of various military classes who originally came to vote were asked to stay for one more day, and there was another resolution to be voted on tomorrow.

The Yamauchi clan provides dinner!

Everyone had no doubt that providing dinner was more realistic than anything else. Eating your own food at home and eating at the Yamauchi clan’s in the palace, everyone agreed that eating at the Yamauchi clan’s was better.

The next day, there was another gathering on the playground. The topic was very simple, that is, whether the Yamauchi clan daimyo was allowed to borrow money from the reserve fund in the case of a shortage of war funds, following the example of the Yamauchi clan samurai.

After the Yamauchi clan chief accountant finished speaking, the crowd exploded. The recent incident of the Imperial Enfugong was still vivid in our minds.

If the Yamauchi clan daimyo is allowed to borrow money now, what if he doesn’t pay it back?

Even though everyone is convinced of the Yamauchi clan’s rule, it doesn’t mean that the Yamauchi clan can come to my house to move things.

The words of Yamauchi Yoshiharu when the reserve fund was established were still vivid in our minds. Why is it being violated now?

Although the Yamauchi clan had never done anything disgusting and rotten before, except for the land inspection, it was really a model of a magnanimous daimyo. But what if there is an unfilial descendant in the future?

Not to mention the opposition of the lower-level military service foot soldiers who were the main beneficiaries, even many hatamoto samurai whose salaries were only a few dozen kan also opposed it.

At this time, Hosokawa Harumiya, as the former head of the Yamauchi retainers, came out to save the situation and said that the Yamauchi family could use the income from government-run businesses as collateral for loans.

Yamauchi Yoshiyasu, who had no chance to appear, suddenly stood up and spoke as a member of the Yamauchi clan, saying that the Nanban trade ship tax and various commercial taxes in Hamamatsu Port could be used as collateral.

In other words, the various commercial taxes collected in Hamamatsu Port must be deposited in the Yamauchi samurai reserve fund for the first six months of entry, regardless of whether the Yamauchi family has borrowed money.

If the Yamauchi family borrowed money, they would use Hamamatsu's commercial tax and ship tax to repay in installments. If they did not borrow money, the reserve fund would return the deposited money to the Yamauchi family after half a year and let them use it.

If all the samurai agreed, the six kanjōyū in charge of the collection of Hamamatsu-cho commercial taxes and ship mark money would take turns to be appointed by the reserve fund, and would no longer be appointed by the Yamauchi clan.

Kobayata and Hosokawa Saejo, who were watching, were stunned. There must be a capable person behind Yamauchi Yoshiyasu!

He was a 14-year-old kid who knew nothing about tariff collection and borrowing costs. Now he actually gave such a detailed charter to suppress Hosokawa Harumiya's idea.

The representatives did not know how much income Hamamatsu Town had, so they clamored for Kobayata, the Minister of Finance, to come out and clarify.

There was no other way, Kobayata could only stand up, holding the account book, and tell everyone how much income Hamamatsu Town had every month and how much ship tax could be collected from a Nanban ship.

Make a written agreement!

After many promises and persuasions, the representatives finally agreed to this proposal.

First, the Yamauchi samurai reserve fund was reorganized into the Yamauchi Savings Bank (National Yamauchi Central Bank), which was open to all the "people" and above of the Yamauchi clan.

It began to absorb public and private deposits and conduct commercial loans. But the condition was that the Yamauchi clan must be a Yamauchi resident and have property mortgaged.

The interest rate of the loan was changed from zero interest and low interest to a progressive interest rate system for the Yamanouchi samurai. The highest annual interest rate is 25%, and the loan can be repaid in five years.

The Yamanouchi Savings Bank officially separated from the Yamanouchi bureaucracy, and the original capital of 3,000 kan was returned to the Yamanouchi treasury (actually kept as the first deposit), and the Kandeikyo continued to be elected by the military classes for three years. But at the same time, each introduced a financial consultant, and the Yamanouchi family and the savings bank were each allowed to conduct a total accounting of the accounts every six months.

The remaining detailed items continued to be discussed and formulated.

Hosokawa Harumiya sat back in the shed, and Kobayata hurried up to massage his old father-in-law's shoulders to show his courtesy.

"Yamauchi Izumo's strategy is very good."

"Oh? Can your father's strategy be praised by Fujiwara Danmasa, who is known as a "capable official"?"

"It's the old man's strategy!" Kobayata was stunned.

"The chief accountant has done something bad, so someone has to compensate him."

"The old man did something bad for me, but the chief accountant is also willing to do something bad for Izumo." Koyata felt a little strange.

[Note 1]: Ashigaru refers to the standing ashigaru, which is the standing military force of the daimyo and samurai lords who can go to war in an hour after beating the drum.

The military service refers to wealthy self-cultivating farmers or craftsmen with an annual income of more than five kanmon, also known as agricultural soldiers ashigaru, one of the main forces of the country. The Chosokabe clan called it Ichiryo Gujushu, the Shimazu clan called it Ashishushu, and the Takeda clan also called it Military Service Shu.

The Fukujo were not samurai, but a richer class, including landlords (jisama), miners, forest owners, and even big merchants like Sukezaemon who settled in Yamanouchi would immediately become Fukujo. The difference between them and the military service is that they have more income, can be equipped with better weapons and armor, and even can be equipped with war horses. They are the backbone of the army.