Chapter 4 Investment

The development of the banking industry and currency exchange expanded from Beijing to North Zhili, and then from Nanjing to South Zhili. [This chapter is updated by netizens] The Ming Dynasty has always taken the two Beijings as the axis, and the development of these two places

Once you get up, other places will fall into place naturally.

The first-level branches have the right to mint money, and the thirteen provinces across the country are soon fully implemented. This major reform is undoubtedly a progress for the development of the Ming Dynasty. In this world, as long as there are interests, corruption will breed.

But this time, in the face of huge interests, none of the officials dared to get involved in the banking industry. It can be said to be a miracle.

Yes, there is a saying that if the upper beam is not straight, the lower beam will be crooked. Now that the upper beam is straight, who else dares to crook it? Everyone knows that President Yue is not a vegetarian. He is personally in charge of this matter. If you dare to take action

Reach in and take your head.

Of course, when choosing the president of the first-level branch, Mr. Yue also wiped his eyes sharply and almost checked the details of the elected officials. For example, the president of the first-level branch in Huguang, the official appointed by Yue Su

It's called Shi Kefa.

Shi Kefa was an out-and-out member of the Donglin Party, a member of Shuntian Prefecture, and a Jinshi in the first year of Chongjing. He first became an official in Chang'an and had an excellent official reputation. He also made many meritorious services during the period of suppressing bandits. When Yue Su entered Sichuan, he once

They met in Hanzhong and later appeased the people. He also made a lot of achievements and was recommended by Yue Su as a doctor in the Ministry of War. This time, Yue Su started the banking industry and knew that Shi Kefa was an upright man and would never cheat, so he ignored Donglin.

As a party member, he presides over the Huguang Branch.

After Shi Kefa took office, he did a good job without making any mistakes. He worked conscientiously and did not make trouble for Yue Su because of his background.

Among the confidants, those who are capable must be promoted. Those who are incompetent must be promoted, but they cannot be entrusted with important tasks to avoid causing trouble. If you are not a confidant, as long as you are capable, Lord Yue will never bury you. But there are also

One prerequisite is that you must be an upright official. Of course, Mr. Yue will not forget Yang Yishan, so the Nanjing branch was directly managed by him.

In one and a half years, the imperial court exchanged a total of nearly one billion taels of silver. This figure also shows that the people recognized this currency and began to circulate and use it. Especially in Jiangnan, the currency exchange took the shortest time. From this, we can also see the prosperity of Jiangnan.

The profit from coinage is very high, accounting for 278% of one billion taels of silver. After all, the imperial court has earned at least 270 million taels of silver.

Seeing this number, Zhang Yan was dumbfounded, and the officials of the Ministry of Revenue were also dumbfounded. It was so much money, and the court had paid it, and she was rich. Apart from being dumbfounded, Zhang Yan was left with a giggle. It can be said that she almost

She smiles from ear to ear every day. She originally invested 8 million taels of silver and all the belongings of the inner palace, but now, she has made a net profit of more than 30 million taels. The royal family has never been so wealthy, from the founding of the country by Taizu to today.

, this was the period when the imperial family had the most money. His contribution should be recorded in the history books of later generations, and his descendants should also be able to see that it was he who made the royal family rich.

In the past year and a half, I have made a lot of money, but another problem has arisen, that is, the currency in circulation is almost enough, and there are fewer and fewer people exchanging money. And there are so many banks in the world, what should I do?

Is it necessary to abolish it? You know, the banks in the prefecture can still exchange some money after a month, but the banks in the counties and towns cannot exchange much money at all after a month, especially in some small towns.

If they can't even exchange dozens of taels of silver a month, the imperial court cannot give them free salary. Although the imperial court supports many idle people, it cannot support everyone.

Yue Su also saw this problem, and even Yue Party officials suggested to him that some banks should be abolished, at least by half. However, Yue Su did not express his position, but said that he had to think about it.

These days, people don't have the habit of saving money, and the banking industry is really hard to do. You can't just exchange money. How can we make today's banks start making money like banks in the future?

He came up with the beginning, but still couldn't figure out how to expand. After all, he was a policeman, not an economics major. Yue Su also consulted Jiang Jie. Mr. Jiang was resourceful, but this industry was an emerging industry, and he also

I haven't done any research before, so I really can't come up with any feasible solutions.

On this day, Yue Su received a letter from his family. This letter was written by Mu Tianjiao. It probably meant that the world was at peace. Our son still hasn’t seen what his father looks like. How can this be possible? I plan to

We took our son to visit Beijing. And the same goes for sister Qiongying. We are ready to go to Li's house in a few days, and then take a boat from Wuchang to Beijing.

Yue Su also missed his mother, wife and children, so he immediately replied to a letter. First, he sent greetings to his mother, and then he hoped that his mother could bring his daughter-in-law, grandson, and granddaughter to Beijing for a visit.

It turns out that Li Qiongying gave birth to a daughter for Yue Su.

The letter was sent, and Yue Su was very happy. Over the years, he had always been worried about the world before he could enjoy family happiness. The soldiers and horses in each town were almost fully trained. In half a year, he planned to

We can put aside the banking matters during the expedition to Liaodong until Liaodong is pacified, and then we can study it in detail after we return.

When he thought of sending troops to Liaodong, Yue Su not only focused on the war. To attack Liaodong, he needed to advance both by land and water. Hundreds of thousands of soldiers and horses would require many generals. Generals for infantry warfare were basically enough, but water warfare

There is still a shortage of generals. Yue Su has seen the map of Liaodong. There are many large and small rivers, and a lot of water battles are needed, as well as land battles. After some consideration, Yue Su decided to transfer Kong Youde and Zheng Zhilong to Fujian and Zhejiang.

Everything over there has been stabilized and the ship is almost built. Come here now.

So, the next day, he asked for an order to transfer Zheng Zhilong to be the commander-in-chief of the Dengzhou Navy, and Kong Youde to be the commander-in-chief of the Yingkou Division, and to return to the reinforcements of the DPRK General Mo Wenlong. He went to the capital to see his Majesty first.

This arrangement is good. Although Yingkou is in the hands of the Tatars, if Kong Youde is allowed to work for his godfather, he will only be happy and will not feel aggrieved. Zheng Zhilong’s son is still in the hands of Yue Su. If you enter the capital here, let your father and son

When you meet me, Commander-in-Chief Ren Dengzhou is also indifferent, and you can't say anything.

Not long after, Yue Su received the news that his family members were escorted by Li Yuanchen and rushed to the capital by water. They would arrive at Tongzhou Pier in less than a day. However, his old mother was old and really didn't want to move, so she stayed at home and was sent by Du.

Shi Niangsh. Mu Tianjiao and Li Qiongying came with their son Yue Sen, daughter Yue Meng, and Zheng Chenggong.

The name of his daughter-in-law was given by Yue Su. They had not seen each other for a long time. Why didn't Yue Su miss him, so she asked for leave from the emperor and went to Tongzhou Pier to greet her in person. Zhang Yan was grateful for Yue Su's achievements, how could she not show her gratitude and express her appreciation?

He bought some jewelry and some clothes, and told Yue Su that after his wife and daughter came to Beijing, they would go to the palace for dinner.

Yue Su arrived at Tongzhou Pier that day and waited for more than half an hour before the ship finally arrived. After his wife and children got off the ship, everyone was very happy to see each other.

"You are my father..." "Mother said that daddy is the biggest hero in the world, and today I finally met..."...The two children used their childish voices to say something to you, and Yue Su was overwhelmed with emotion.

, couldn’t help crying.

Zheng Chenggong, on the other hand, already looks like a grown-up child, and his words and deeds are very dignified, "The child meets his adoptive father..."

Yue Su hugged the three children in a circle, and for a moment, he didn't know what to say.

The family returned to Beijing. Yue Su told his wife that the Queen Mother was hosting a banquet for you to come over for dinner. It was not convenient for me to go there. I asked Jin Chan to escort you to the palace. It is a great honor for the Queen Mother to invite you, and you cannot help but go. Mu

Tianjiao and Li Qiongying took their children to the Forbidden City.

Yue Su also held a family banquet at home to entertain Li Yuanchen. At the banquet, in addition to the two of them, there were also several of Yue Su's cronies, Jiang Jie, Jin Chan, Yin Zhu, Tong Zhou, Tie Qiu, and Li Haoran.

, Li Haoquan, Hu Zi. As for Zheng Chenggong, he was eating with his adoptive mother Ruan Aoyue in the backyard.

At the banquet, Li Yuanchen couldn't help but compliment Yue Su. Although he spoke of his brother-in-law's achievements, Yue Su was just polite. After three rounds of wine and five dishes, Li Yuanchen suddenly said: "Brother-in-law, I used to only think that my brother-in-law is involved in judging cases and fighting wars."

Talented, I didn’t expect that he also had a lot of talent in business. With this currency reform, my brother-in-law should have earned hundreds of millions of taels of silver for the court. In the next few decades, the Ming Dynasty will never worry about financial problems again.

You are so powerful. My brother-in-law deserves the title of Minister of Zhongxing in the Ming Dynasty."

"Yuan Chen has been overly praised. Although the emerging bank has benefited the court a lot in a short period of time, as the currency exchange matter has slowly come to an end, the bank seems to have nothing else to do. Many officials are suggesting that,

Abolish some banks," Yue Su said.

"I have also heard about this, but I think it would be too early to abolish the bank now. And I always feel that this bank still has a lot to do, but because it is emerging, more of its functions have not yet been

Development. Those who talk about abolishing banks right now are short-sighted." Li Yuanchen said with a smile.

"My dear brother, my family has been in business for generations. I wonder if you have any good ideas to use this bank in a wider range of fields? To be honest, it's not that I haven't thought of it, but I just feel that the method I thought of is a bit inappropriate." Yue Su said.

.

"My brother-in-law has already done a great job in reforming the currency and opening a new product like a bank. But to be honest, I just think that this bank has many uses, but now I can't tell why. Since

My brother-in-law has already thought of a way, why don't you tell me how inappropriate it is, and maybe I can help my brother-in-law share his worries." Li Yuanchen said cheerfully.

For this brother-in-law, Yue Su has always admired him very much. He is very insightful, and he knows things like a god. He is extremely talented in business. Yue Su thinks that with his own intelligence, he is definitely not as good as this brother-in-law. He can compare with

He may only have Jiang Jie. But the two of them go their own way, making it easier to fight. Li Yuanchen is not as good as Jiang Jie. When it comes to doing business, Jiang Jie will definitely not be Li Yuanchen's opponent.

"Brother Wei originally thought like this. Banks are not only places where money is made and exchanged, but they are also places where people save money. People can deposit money in the bank and the bank will give them a certain amount of interest. People can also go to the bank to borrow money.

, but they need a mortgage, and when they repay the money, they have to pay a certain amount of interest, but this interest is definitely much lower than if they borrowed a loan shark. However, ordinary people do not have the habit of saving money, and they even worry about depositing money in the bank.

, I can no longer take it out. I have also discussed this matter with some officials from the Ministry of Household Affairs, and they all find it difficult to implement and the xng is extremely low." Yue Su said his thoughts again. To be honest, this is contemporary

The way banks operate is that people today only use paper and pens, which are stored at home and may rot. But people in the Ming Dynasty used real money and silver. These things will definitely not rot and are buried in their homes.

Hung under the bed, it is more secure than leaving it to others to keep.

After listening to Yue Su's words, Li Yuanchen nodded and said: "I understand what my brother-in-law said. As my brother said, not many people are willing to ask the people to save money in banks, but it is also feasible.

.But brother-in-law, you also know that our Li family cannot afford to benefit early. I have a way now, but the premise is that we, the Li family, must participate. Of course, the court has the final say, and we, the Li family, cannot.

It is to use some capital to cooperate with the imperial court and get some profit."

This guy's reaction is really fast. After listening to Yue Su's story, he immediately had to think of a way. This really makes Yue Su admire him, but this guy doesn't help in vain no matter what, he wants to take some of it.

The benefits are really a headache.

Yue Su laughed and said: "Brother Xian is really good at settling accounts. It's good that you came up with the method. If it is really feasible, I can agree to let your Li family participate in it. First, tell me what it is like.

It's a good idea to be a brother and make decisions."

"As my brother-in-law just said, it's really difficult for people to save and withdraw money. Ordinary people can have so much money at home. Those two pieces of silver are too small to keep at home, let alone deposit them in a bank.

. Therefore, I believe that the early target should not be positioned on ordinary people, but on merchants. There are many merchants in the world, and most of the business they do has to go north and south. Every time they go out, they will

It is really inconvenient to carry so much gold and silver, and some people have been robbed. Because of this, many businessmen have to hire escorts to escort the silver. If the bank can do this, if you deposit the silver in Huguang, you can go to Beijing.

Take it out. In that case, there must be countless businessmen who save money. For them, it is not a problem whether they pay interest or not. As long as they can take out the money safely and safely, then it is fine.

Yes. Of course, there are some fees for withdrawing money from other places. The bank can charge a lower fee than hiring a bodyguard, so the safekeeping is feasible." Li Yuanchen said calmly.

This guy's idea is really good, just like the modern way of withdrawing money from another place. In the Ming Dynasty, it was inconvenient to withdraw money from other places. If you can withdraw money from other places, you will definitely get the support of the majority of businessmen.

Yue Su nodded and said: "Brother Xian's method is good, but it's not easy to do it. Every bank has its own account books, so it's not easy to withdraw money from another place." These words are not easy.

Fake, New China has not been able to withdraw money from different places since the establishment of banks. As for saying that banknotes can be withdrawn no matter where you go, that is pure nonsense. It was just made up by the novelist.

"The trouble is troublesome, but it can't be said that it won't work. It can be said that the bank makes money from this trouble. I don't know how long it will take for the account books of Tianxia Bank to be sent to the head office in Beijing, but I think it is better to submit them once a month. For example

He said, "My younger brother has deposited 10,000 taels of silver in Wuchang. Wuchang's account books will be sent to Beijing in one month. After the records are completed in Beijing, the copies can be transferred to all provinces in the world, and then transferred to the first-level branches in various places."

Second-level branches in each prefecture. In this way, all the prefectures across the country will have records of the younger brother depositing money. Then the younger brother goes to Shandong to do business, and can withdraw money from the second-level branches in each prefecture in Shandong." Li Yuanchen said.
To be continued...