Emperor Ming's grandson

Chapter 318 Bank
Zhu Yunxi really wanted to get away. He felt that some things were not suitable for him to listen to. He felt that these things were so sensitive to him.Just wanting to get away is not an easy thing, he can usually be an asshole, occasionally can be a playboy, and even have some contradictory things, it's fine.

But such things are rare in the end. Facing the two imperial sisters, he didn't dare to stab them too much.If his imperial brother speaks, he can only obey obediently.If he contradicted Grandpa Huang once in a while, he wouldn't know how long his heart would be in private.

It's better to listen obediently, this is Zhu Yunxi's self-knowledge, and he also knows that he can't refuse some things.

Old Zhu doesn't care what Zhu Yunxi is thinking, he only cares about some plans in his grandson's mind now.For the next few years not to be a soldier, or not to plan to go to war in the next few years, Lao Zhu thinks it is also necessary.

It is a good thing to fight a war. It is a good thing that the prosperity of Ming Dynasty's soldiers can make the surrounding vassal states frightened.Just fighting everywhere is not necessarily a good thing, it still needs to recuperate, and the people of Ming Dynasty also need some time to cheer up the hearts of the people.

"Grandson intends to take a break for the past few years, plant the land well, and reform the system. For some things, the emperor's grandfather is here, and we can use the tiger's skin as a banner. Besides, it's just these years, so we can also carry out some internal adjustments. " Zhu Yunying was very assertive, and said to Lao Zhu, "All these things will take time."

Lao Zhu also understood some things, and said, "We don't like scholars, and we are the emperor on horseback, so scholars are a bit chilled."

"Grandson has never planned to be only a martial emperor, and martial arts and martial arts are indispensable." Zhu Yunying said to Lao Zhu triumphantly, "Now, it is really easy for us to win the hearts of scholars."

Zhu Yunying nodded, also thinking in the same way, "Yes, we scholars in Daming should show off a little bit."

For some scholars, Zhu Yunying really looked down on them.It's just that Zhu Yunying also knows that both literature and martial arts need to be taken seriously.Walking on two legs is the right thing to do, and this is also Zhu Yunying's true thought.

Zhu Yunying didn't care about those, and said enthusiastically, "Grandpa, your grandson is going to restructure those Tongbaos of yours a few years ago. My grandson has been thinking about these things for a long time, and I think it's time to rectify them. gone."

Hongwu Tongbao, this is the copper coin cast by Lao Zhu. It's just that Daming lacked copper in the past few years and Daming had more and more silver, so Hongwu Tongbao is no longer issued.Although there are also prohibitions, but not all of them have been taken back and destroyed.

The other one is naturally the Daming Treasure Banknote, that is, the banknote of Daming, which is also extremely important.

Zhu Yunying opened his mouth and said to Lao Zhu, "A few years ago, my grandson didn't allow the prince to be a vassal. In recent years, the salary of the clan has also been declining. Many people are complaining about us. We also know these things. It's just that the Shibo Secretary It can't be done, not to mention that the Imperial Clan shouldn't always be involved in the Shibo Department, or it won't be a good sign."

Old Zhu is in a dilemma, the palms and backs of his hands are full of meat, "We have also thought about it in the past few years, the money and goods obtained by Shibosi should belong to the imperial court. It's just that our clan can also get a share. This is a good thing, but it just won’t work if things go on like this.”

It's not just Lao Zhu who thinks there are bad signs in this matter, in fact Zhu Yunying has also noticed some bad signs.

Now it is the imperial clan who intervenes in the affairs of some Shibosi and can make some money.It's just that this trend is not good. Now the clan can get a share of the pie, and then some bureaucrats, some powerful landlords, may use their nests to lay eggs.

For a huge cake like Shibosi, Zhu Yunying never thought that it should be completely monopolized by the imperial court and the royal family, and it should be part of the profits.It's just that the absolute initiative must be controlled by the court, which is the absolute bottom line.

Zhu Yunying said with a smile to Lao Zhu, "My grandson has a big business, and the clan's children can also share a piece of it. If we do well, not only will our clan stop complaining, but it will also give us a foundation to live and work."

Zhu Yunying was mysterious, and said to Lao Zhu, "Grandson is going to build a bank!"

Lao Zhu was stunned for a moment, a little puzzled, "Do you do silverware?"

"No, this bank is a good thing. In my grandson's plan, it will not be worse than the Ministry of Accounts. But this bank is also under the Ministry of Accounts." Zhu Yunying no longer concealed it, and said, "Theoretically, someone transfers the money Store it in our bank, and we will give him interest."

Old Zhu was dumbfounded when he heard it, and said dissatisfiedly, "Bastard, we help keep it, he must give us money!"

It's not that Lao Zhu is ignorant, the 'bank' has a rudimentary form.It also existed in the Song Dynasty, but the 'bank' deposits money, and the depositor pays the storage fee.So when he heard that he had to pay interest, Old Zhu was not satisfied. He felt that his clever grandson sometimes didn't understand, and felt that he was a grandson after all, but he was still a bit young.

Zhu Yunying was not surprised, because some of Lao Zhu's insights cannot be said to be short-sighted. These things are indeed the limitations of the times, and it is normal for Lao Zhu not to see it.

Zhu Yunying continued, "Grandfather, grandson's bank is not just for people to keep money, we want to get all the money from the rich, so that those people don't dig a place in the mansion to give money. Buried in the ground, this is not a good thing!"

Of course, this is not a good thing, and it is something that Zhu Yunying desperately hopes to reverse, and it is something he must do well.

It is not an easy task just to get the money out. This is also a habit developed over thousands of years, and the money has to be kept in one's own hands.

"In our bank, people need to have interest to send money over. Let's save it for them." Zhu Yunying became serious, and said to Lao Zhu, "The money buried in the ground is a pile of copper, gold and silver utensils. It only works when it flows.”

In fact, Lao Zhu was not ignorant, and said to Zhu Yunying, "Well, if you ask them to pay, what's the benefit of paying some interest? The money has been sent over, who knows if you will be greedy, who knows you Or close the door and run away."

This is indeed a place that many people will worry about. Now there are some places like banks in Daming, but this kind of thing will make many people worry, and many people will not want to deposit their hard-earned belongings in the bank. .

In the final analysis, it is distrust, and in the final analysis, it is worrying that some things will be out of my control, so it is more practical to stay at home and hide in the cellar.

This is also human nature, and it is indeed understandable, but it does not mean that Zhu Yunying has no choice.

Looking at Lao Zhu, Zhu Yunying said with a smile, "That's why the imperial court and the clan are needed. This is the guarantee of the Ming court. If the Ming Dynasty will not fall, these people's property will be guaranteed. Our bank of Daming, our bank of Daming , it should be opened in Daming territory."

Old Zhu seemed a little confused, Zhu Yunying said, "Grandfather, although we are vigorously promoting paper money now, there are still people who don't believe it. The issuance of paper money has great benefits, but there are also opinions about how much to issue and how to issue it. Grandson I have been thinking about these things for the past two years, and I have some ideas, and I plan to implement them with the bank.”

Lao Zhu is no stranger to him. His Daming Banknotes have been issued for a long time, but many people still don't recognize them.

Even if he is as strong as Lao Zhu, sometimes there is not much he can do.Even if copper coins were banned a few years ago, they cannot be completely recovered and destroyed immediately, and it will take some time.

Of course, the same is true of paper money, and many people know that paper money is good, but paper money is also uncertain for these people.You still need real money in your hands, so that you can feel at ease in your heart.It is estimated that the bank will be the same when the time comes. Many people think that only when the money is in their own hands can they have the initiative.

"Our Daming has a vast territory, and even carrying gold and silver is very heavy." Zhu Yunying smiled and said to Lao Zhu, "If our banknotes can be exchanged in Daming territory, naturally many people will recognize them. Especially If you are a rich family, or those who are on the road, it is much easier to carry a bank book with you."

Old Zhu didn't agree, so he snorted coldly and said, "It's more difficult for us, but some people don't recognize it. What's the matter with a passbook?"

This has to be discussed with Lao Zhu. The benefits of the bank are not just to make it easier for everyone to save money, or to save trouble.The existence of banks can also have other conveniences. Zhu Yunying still hopes to make money brokers more prosperous, which is also very necessary.

In Chinese history, generally speaking, it was an agricultural civilization, and the main body of the economy was also a self-sufficient small-scale peasant economy.

Zhu Yunying also doesn't want capitalism to appear completely, but in a place like Daming, in the era of feudal imperial power, it is naturally unrealistic for capitalism to occupy an absolute market.

It would be good for Zhu Yunying to make a move a little bit, to enrich Daming's market economy a little bit, and if the market economy is invigorated, Daming can be regarded as a real 'country rich and the people strong'. This will benefit Daming a lot, and what Zhu Yunying needs is these .

Lao Zhu listened carefully, it seems that the bank not only saves money, but also needs to lend money.

The money saved by Zhang San is used to lend to Li Si, and Zhang San is given two cents of interest, and Li Si needs to pay four cents of interest to the bank. This is two cents of interest for nothing.

It's just that Lao Zhu is a little worried. If he joins and doesn't pay back the money, Li Si, a dead pig, is not afraid of boiling water, then the court will pay Zhang San's money back!
This requires consideration of risks, and of course credit and guarantee must be considered. The bank’s money cannot be loaned for nothing.It is true that there are risks, but the profits here are greater, so it is necessary to study and formulate some systems.

Banks are a good thing. Zhu Yunying must work on such an institution that benefits the country and the people!Must be in control!
(End of this chapter)