The Great Ming Reversal

Chapter 111: Open a bank

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What is the most profitable business? Of course it is to open a bank! That's what money makes money. Since you are short of money, open a bank! That's what Wei Ming thinks, and that's what he said to Zhu Youxiao. What he hates most now is that he has to hold dozens of taels of silver in his arms wherever he goes. Think about it, ten taels is a catty, dozens of taels, that is several catties. Are you embarrassed to go out with less than fifty taels? That's five catties. Even if it is sixteen two a catty, it is still a few taels. Isn't it all right? Who wants to carry a few kilograms of things on his body when there is nothing to do? Are you tired? Is the good physical condition of the ancients related to this? I miss the life where I can only bring one card in my previous life. It’s amazing to pack a few hundred dollars in just a few pieces of paper.

"Do you think that thing works? Why do I feel so mysterious?" Zhu Youxiao felt a little frightened when Wei Ming said about the bank thing. What a big deal! Even if the money in the treasury is poured in, is it enough? If the whole country owes money to the people, it is estimated that he will not be able to sleep at night. What is the difference between this and exploiting the common people

"Oh, my good emperor, you think, gold and silver are priceless. The price is artificially added. Now the whole country is short of silver. We only need to recast silver. You said five taels of silver is ten. Two, he is twelve taels. If you say that one tael of silver is twelve taels, that's okay. At that time, the Hongwu Emperor promoted banknotes because of the convenience of banknotes and the reason why the country’s money was scarce? The reason why it could not continue. This is because the credibility of this stuff is low. Why is the credibility low? It is because there is no institution that can guarantee the value of this piece of paper. And the bank acts as this institution. As long as there is enough gold and silver in our bank vaults , We can issue banknotes of equal value. People are used to using it, that's how it is." Wei Ming said. It's simple to say, but it's not like that in actual operation. This requires the backing of a huge state machine. Otherwise, don't look at Wei Ming's current wealth. As long as someone wants to ruin you, it's over. But the country is different. Who dares to sabotage, boy, get bored of life! Your ancestor in the underworld is calling you, go straight to accompany your ancestor. The introduction of currency is inherently semi-mandatory. Every currency reform is not so easy. From the original mess of money, like knife coins, to later copper coins, to gold ingots and silver ingots shaped into ingots, to later banknotes, it is never easy.

"It seems to be the same. However, you said that when someone deposits money in our bank, we still have to give them money, how can this work? Then are we doing a loss-making business? If that is the case, we always One day you will die." Zhu Youxiao was still a little worried.

"I said my dearest emperor, what do we want so much money for? They can't give birth! However, they can't give birth to us if they are here, but they may not be able to give birth to someone else. We can Lend to others at higher interest rates! Now that loan sharks are flooding, so many benefits can be given to them, why? You are the emperor, you have to do so. No matter what you do in your territory. , I have to give you benefits, this is called the emperor. Otherwise, what role does your emperor have besides keeping the land and the people? It sounds good to be the emperor, but it sounds bad, it is the wage earner of all the people in the world. Not please, what is it?" Wei Ming said.

"Then you said, will someone really borrow money?" Zhu Youxiao was still playing drums in his heart. How can I feel that such a thing is far away, and I am afraid that Wei Ming will put it in the case, but the white silver is waving to him, and if he does not do it, he will be a little unwilling.

"Actually, the emperor, this is also for the sake of the people. Do you think, how many people can't make a grand plan because they don't have money? Some of them have the ability to make money, but they lack capital. And we are going to give them this opportunity. If If you don’t have the ability, you can stay here. There is no way. Who can make you want to fill your head without the ability? However, there are more successful people here. Of course, lending them money is not for nothing. There will be time to borrow, and there will be a mortgage. When the time comes, if you don’t pay, then just take his real estate, don’t you get it? There will definitely be family ruin, but it is more for the benefit of the people. Everything has two sides. As long as the good side is greater than the bad side, we need to do it. And there is another advantage of opening a bank, that is, you can roughly estimate how much income our entire country generates in a year. Since there are benefits, then No one wants to bury the money in the pigpen anymore. Do you think?" Wei Ming continued to induce, but he still has to say what he should say. Banks are not charitable organizations, so they still have to do what they should do. It is also a good choice to use banks to stimulate economic development. But the root cause lies in focusing on agriculture and restraining business. However, things have to be done one by one and cannot be done overnight. When there are new results at sea, then there is no need to work so hard. At that time, someone will naturally squeeze their heads and go outside to develop. Those peasants don't think about it, they don't have the capital if they want to go. But the noble family is different. At that time, a large number of noble families can focus on foreign countries and ease domestic conflicts. Why not do it

"Brother Emperor, I think we should do this. The money is indeed getting less and less. I don't know why. There was a large amount of foreign money flowing into the country, but now it is dwindling. Think. To break through this dilemma, the bank is a good choice." Zhu Youjian also joined the gang of Huyou Zhu Youxiao. Wei Ming and Zhu Youjian discussed this matter, which can be regarded as thoroughly persuading Zhu Youjian. Compared with Zhu Youxiao, Zhu Youjian is more adventurous. He only cares about the results, but doesn't pay much attention to the intermediate process. In his opinion, even if there is a major difficulty, there will be a way to solve it. No matter how big the hurdle is, there will be a day in the past. When you see the rainbow after the storm, those difficulties will only make the rainbow more beautiful. But Zhu Youxiao is different. I have been cautious since I was a child, and I like to make decisions before doing anything. Now suddenly there is such a big cake room in front of me, I really don't dare to say anything.

"No, I have to discuss this matter with the ministers." Zhu Youxiao still couldn't make up his mind. After all, this is a major event related to the rise and fall of the country. If they are not in their place and are not seeking political affairs, neither of them are emperors. Can they both be here to say that after something happened, it is not their own business? At that time, expect the two of them to lift the tank for themselves? This is also okay. If one will come down, behead and go to hell, anything will do. But his reputation is also bad, it's not good.

"My dear emperor, what kind of stuff your ministers are like? You don't know what kind of stuff are your ministers? Before you became an official, you thought about stereotypes all day. After becoming an official, you thought about it all day in intrigue. This kind of thing, It’s strange for them to be able to figure it out. Since they can’t figure it out and don’t know whether they are good or bad for themselves, then don’t change it. This is their voice. Moreover, there are many big business giants standing behind the people of the Donglin Party. Jia, you should also know what the virtues of these people are. It is difficult to expect them to agree. It is even more difficult to expect them to help you well. Simply put, there is no hope for the civil and military of the Manchu Dynasty." Wei Ming said . He knew that Zhu Youxiao just wanted to find a reason to go back and think about it. Discuss with ministers? He really didn't have this plan.

"Look at letting you hurt me! I was domineering today too. I finally became the emperor, even if it was wrong, I did it! What's great, you Weiming dare to do it, I dare to do it! You want it What I will give you! I want money for money, food for food. But we have to make it clear, Wei Ming, you know that the emperor can’t be wrong. If something goes wrong at that time , You are ready to top the tank! Don't blame me for not thinking about brotherhood at that time." Zhu Youxiao was forced to a corner with nowhere to escape, and finally broke out. Wei Ming was depressed. Isn't this idle for yourself? Banks must be state-owned. To put it bluntly, this is for the benefit of the country and the people. Should something happen to me? What shall I carry! Regrets, regrets, if he retreats now, Wei Ming has no doubt that Zhu Youxiao has beaten him back alive, and can only take the point. Zhu Youzhen smiled heartlessly, as if he had done something great. If something happens to me, you kid won't be able to run away by then! Wei Ming thought viciously.

(Chapter One, the rhythm of refueling)