Shaofu Jialing began to complain.
"The clans in the south are powerful, and Shaofu Qianzhuang's progress in the south has not been smooth."
When Emperor Wende heard this, he said directly: "Isn't there still Jinwu Guard? I don't believe it. Those places are so powerful that they dare to oppose Jin Wu Guard. In another day, I will ask Jin Wu Guard to go to the south and kill his head. Everyone is killed, can the Shaofu Bank be established in the south?"
Facing Emperor Wende's gaze, the Shaofu Jialing subconsciously shivered.
Did he see a strong killing intent in Emperor Wende's eyes
Apparently, Emperor Wende did not want to massacre in the south on a whim, but had this idea long ago. Just waiting for an opportunity.
The Shaofu Bank was not going well in the south, which gave Emperor Wende a reason to kill.
Emperor Wende ascended the throne for two years, but in the thirty-eighth year of Kaiyao, the Cai family massacred a thousand people in one go.
After that, for more than a year, Emperor Wende rarely killed.
The courtiers all said that Emperor Wende was more benevolent than the previous emperors, and he was a benevolent emperor.
Now it seems that there is no such thing as a benevolent gentleman. Emperor Wende is holding back his big move.
If you don't kill, you're done. Once you start killing, the heads will roll, and tens of thousands of people will be implicated.
Emperor Wende and the first emperor deserved to be father and son, they both had the same bloodthirsty, but in different ways.
The Shaofu family made his throat roll, took a deep breath, and finally found his voice, "Yes, it can be done."
Emperor Wende laughed, "It's good if it can be done! I have high hopes for the Shaofu Bank. Whether my people can have a good life, your Shaofu Bank bears the great responsibility.
The imperial court was unable to catch up, and many places could not be taken care of. But the Shaofu Bank is different. Wherever money is needed, there should be personnel from the Shaofu Bank.
In the world of the Great Zhou Dynasty, what is the situation now? In addition to the reports from local officials, the bank also has to bear the burden of information collection.
I don't want the Shaofu Bank to deceive others. Uncle, do you understand what I mean? "
"I don't dare to be a minister! I understand! I must do the errands assigned by His Majesty well."
Emperor Wende nodded with satisfaction, "I know your loyalty. In these years, the Shaofu is getting better and better in your hands. Not only has it fed so many people, but it is not easy to have so much money every year. However, I know that the Shaofu can do better and earn more money. The Shaofu must take the initiative to take responsibility for the areas that the Ministry of Households cannot take care of."
"The humble minister obeys the order!"
The family orders of the Shaofu are under great pressure.
Shaofu can have today's results, he has tried his best, and almost drained Shaofu's potential.
Keep working hard to make more money.
For a while, the Shaofu family orders were very worried.
Money is not so easy to earn, where will the new profit point come from
At present, it seems that we still have to rely on the Shaofu Bank.
Emperor Wende sat at the desk, flipping through the ledger.
He asked curiously, "I still have to pay interest for saving money? What's going on here?"
These days, when people deposit their money in the bank, not only is there no interest, but they also have to pay the bank a storage fee.
The Shaofu Bank did the same thing before.
However, with the increase in business volume, the speed of Shaofu's absorption of savings is far behind the speed of loans.
The amount of funds of Shaofu itself is not unlimited, relying on the financial support of Shaofu alone, the bank will not be able to grow at all.
This is why, these days, private banks, even the largest private banks, cannot flourish everywhere. Branches can only be opened in a limited number of prosperous cities.
In remote places, we can only watch the local snakes monopolize them.
The Shaofu Jialing occasionally brought up this matter in front of Gu Jiu, feeling that the financial pressure is heavy.
Gu Jiu laughed at him at the time, "Your Shaofu Bank is holding a golden mountain, but you don't know that money makes money, it's really annoying. If you ask me to do business with this bank, I guarantee that any private bank, Shaofu Bank, will drink Go to the northwest wind. No one can compete with me."
What a big tone.
Hearing the order from Shaofu's family, he immediately became excited.
He immediately asked: "In addition to borrowing money, how does this bank make money?"
Then he asked curiously, "Why don't you do money bank business?"
Gu Jiu sighed, feeling aggrieved, "If I get involved in the bank business, within a few years, I can become the largest bank in Dazhou, holding most of the world's money in my hands. Originally, real estate is enough to make money. Holding a bank that lays golden eggs, I am afraid that my head will move."
At that time, the Shaofu's family order heard this, but Gu Jiu was exaggerating and worrying unfoundedly.
Holding most of the money in the world in your hands is not a joke.
But later Gu Jiu gave him an idea, and it was just a trial run at the moment, and the Shaofu family order knew keenly that if Gu Jiu was really asked to open a bank, there really was no such thing as a Shaofu bank.
It is really possible that all the money in the world will be snatched away by her.
No wonder she refused to do bank business.
Life is more important than money.
When her wealth is so great that it makes the world look down, she cannot keep her status as the prince's wife.
So Gu Jiu prefers to do some projects that earn money slowly, and doesn't get involved in the bank business, anyway, it doesn't attract people's hatred.
Hearing Emperor Wende's inquiry, the Shaofu Family Order considered his words for a while, and then said: "The Shaofu Bank is under great financial pressure, and there are very few people saving money. The old minister is anxious. If the funds are broken, how can the Shaofu Bank be saved?" Opening all over the world, wouldn't it have failed His Majesty's expectations.
Later, Madam Zhao gave Weichen an idea. She said, give some interest to those who save money, and spread more, so that those landlords and old money will deposit all the gold, silver and copper coins buried in the cellar to the bank for interest, so that the bank will have capital.
Moreover, it can replace the Ministry of Households and collect gold, silver and copper coins from all over the world. In recent years, the imperial court has been suffering from insufficient copper coins. If it is really possible to collect the copper coins stored in the cellar of the landlord's old wealth, it is worthwhile to pay some interest to the depositors.
Therefore, the veteran listened to Mrs. Zhao's opinion and temporarily tried the system of saving money with interest in the capital area. "
"Oh!"
Emperor Wende pondered over the stakes here, and asked: "Saving money for interest, can it really absorb gold, silver and copper coins? I read this account book, saying that it has been tried for a month. How effective is it?"
"I would like to report to Your Majesty that the effect is not obvious because there is no widespread publicity. The old minister originally planned to promote this system in an all-round way in the spring. I also ask Your Majesty to allow it."
The household order of the Shaofu bowed and pleaded.
Emperor Wende hummed, "If the landlord Lao Cai can really move out the gold, silver and copper coins stored in the cellar and deposit them in the bank, it's okay to post some interest."
Dazhou's copper mines, as well as gold and silver mines, are not rich.
In addition, folks have the habit of depositing money in cellars and not spending it for generations, and naturally there is less and less gold, silver and copper circulating in the market.
The imperial court wants to mint money, but there is not enough copper.
As a result, the quality of copper coins has deteriorated and adulterated. The proliferation of private coins minted by the people further affected the court's tax revenue.
Especially in the south, the private minting of coins has reached the point of being blatant.
Even the salaries issued by the local government to the yamen servants are all privately minted copper coins.
Don't underestimate a small copper coin.
Every time the household department issues a copper coin, it can get a part of the income.
The less copper coins issued by the Ministry of Households, the less income will naturally be obtained.
In the early years, I guess decades ago. Just relying on the issuance of copper coins, the Ministry of Households has an income of one million taels a year.
Today, this income has dropped to one hundred thousand taels. The gap of more than ten times is heart-stopping.
The Ministry of Finance can't help it either.
Copper mines were limited and there was very little brass in circulation on the market.
In addition to the royal palace and wealthy families, a large amount of brass is consumed every year.
There was nothing left of the brass left for Tobe.
Naturally, the copper coins issued by the imperial court became less and less.
A vicious circle has never been resolved.
To this day, Emperor Wende seems to have found a solution to this problem.
Emperor Wende emphasized again, "As long as the copper coins stored by the common people can be collected, it is enough to pay more interest. I can even make an order to let the local government help the bank to publicize. In the future, the tax money collected by the government can even go The accounts of the bank will be settled after they are collected in the capital."
The Shaofu family was pleasantly surprised, "Your Majesty really let the tax bank go to the bank account?"
This is a huge income.
Even if it is only deposited for a short period of one or two months, it can solve the big problem of insufficient capital in the bank.
Emperor Wende said: "The premise is that the Shaofu Bank really has a way to collect the gold, silver and copper that the landlord's old wealth buried in the cellar. If it can't be done, I have no reason to ask the government to deposit the tax silver into the bank, and then Go to the capital to settle the settlement."
The Shaofu Jialing looked energetic, "Don't worry, Your Majesty, the veteran will never disappoint His Majesty's entrustment, and will definitely do everything possible to collect all the gold, silver and copper that the landlord's old wealth buried in the cellar."
"That's great. Wait, the bank is planning to issue small-denomination banknotes?"
The Shaofu family order hurriedly said: "Mrs. Zhao suggested that since folk copper coins are to be collected, there must be something to replace copper coins.
In the past, the smallest denomination of bank notes was one tael. But the vast majority of people don't use silver at all in their lives, only copper coins.
In order to collect the copper coins in the hands of the people, it is necessary to issue small denomination silver notes.
The old minister discussed with the officials of the Shaofu for a long time, and planned to print and distribute 50 cash, 100 cash, 200 cash, 500 cash, and four small denomination banknotes. "
Emperor Wende asked curiously: "Why are you only printing banknotes with a denomination of fifty cash? Ten cash, one cash, can't you?"
"People don't have the habit of using silver bills, and they are easy to lose in their pockets. In general transactions, copper coins are used first. After the people get used to using silver bills, it is not too late to print smaller denomination silver bills."
Emperor Wende suddenly understood, and nodded repeatedly, "You are very thoughtful. People are used to using copper coins, and they use silver bills instead of copper coins rashly, for fear of stirring up civil uprisings. Yes, yes, it is indeed a prudent approach. Just follow Follow the plan and do it slowly. I believe that your Shaofu can handle this matter well."