Chongzhen: I am the king of prosperous times

"Ahh~"

Emperor Chongzhen sneezed, and all the ministers of the House of Internal Affairs gathered in the hall showed concerned expressions. Wang Chengen, who was serving at the side, wanted to step forward, but was interrupted by Emperor Chongzhen's wave of his hand.

"Where did you just talk about?"

Emperor Chongzhen rubbed his nose, smiled lightly and said, "I'm afraid there are a lot of people talking about me in private now, and I don't know if it's out of good intentions or hiding malice."

"Your Majesty, I mentioned that the Huitong ticket number has been reformed."

Chief Minister Huang Daozhou bowed.

"Yes, the Huitong ticket number has been reformed."

Emperor Chongzhen stretched out his hand and said, "Before this account was created secretly, and the head of state was in charge of it. The purpose is very pure, that is, to increase the income of domestic funds and speed up the circulation among the people.

Now the Huitong bill number has been transferred to the Ministry of Internal Affairs, and spread all over the northern provinces of Ming Dynasty. The money-making scale of savings and loans is very large, and the profits earned every year are also very considerable.

But well.

If private capital gets involved in the financial lifeline of a country, it will gradually form chaebols over time.

It's just that it's not suitable for foreign courts to get involved too much in this matter now, so Emperor Chongzhen temporarily subordinated the Daming Royal Bank to the Ministry of Internal Affairs.

Once this pattern appears, it will be very difficult to solve it again.

A group of people like Ye Jingjiang and Zuo Guozhong used to be a group of private merchants, a small number of them were Confucian merchants. Now they rely on their own ability to become officials in the court. order.

The independent Daming Royal Bank is just the beginning, and the banks established in the future for industry and commerce, construction, postal storage, agriculture, and navigation will also go through this process.

I am determined to restructure the Huitong bill number, and change the existing Huitong bill number to Daming Royal Bank, so as to continue to maintain the current development momentum.

It's just that in the early stage of preparation, if these banks want to develop well, they need to attract private capital to participate in it, so as to ensure that these banks can really support the industrial fields they are involved in.

"After all, the addition of banks for industry and commerce, construction, postal storage, agriculture, and navigation will take away a lot of the original business, which is for Daming..."

After the initial stage of the reformation is successfully implemented, the Daming Royal Bank will occupy a place in the Outer Dynasty as an independent system.

This……

Without competitiveness, there will be no healthy development.

Qian Sule, Huang Daozhou, Zhou Kui, Ye Jingjiang, Zuo Guozhong, Miao Huhong and other ministers, heard what the emperor said, you look at me, I look at you, showing different expressions.

Emperor Chongzhen kept smiling, looked at Zhou Kui and said, "Patriarch, you have to understand a truth, even if I don't set up these bank accounts, some groups of the people, seeing the profits of the Daming Royal Bank, will definitely set up corresponding ones. The ticket number, and then form a corresponding competition.

When Zhou Kui, Ye Jingjiang, Zuo Guozhong, Miao Huhong and the others heard this, they all knew what the emperor meant, that it was going to be private.

In the past, during the development of Huitong Ticket Number, in order to actively expand externally, Emperor Chongzhen took a part of the share and asked non-governmental groups to participate in it.

The Daming Construction Bank should aim at the disaster relief agencies in various places. In the future, matters related to the disaster relief agencies will gradually be transformed into a loan relationship. It should be called the form of work-for-relief, which can not only stabilize the local area, but also call this kind of Mode, and gradually realize profitability. "

Zhou Kui, Ye Jingjiang, Zuo Guozhong, Miao Huhong and the others immediately bowed in response.

Now that the Huitong bill account has developed, Emperor Chongzhen also wants to control the financial lifeline of Ming Dynasty, which absolutely does not allow private capital to get involved.

I will not do such things as taking profits from the people.

If Daming's financial system can be successfully established, it will play a vital role in the future development of Daming.

By the way, I will allocate 4% of the above-mentioned newly established bank accounts to raise bank shares from the private sector to strengthen their background.

"I know that this decision will make some people feel dissatisfied, but this decision is a will, not a discussion." Emperor Chongzhen took a sip of the tea cup and said calmly.

"Your Majesty, if this is the case, wouldn't the profit of Huitong... Daming Royal Bank be affected?" Zhou Kui thought for a while, then stepped forward and bowed.

Ok.

"So let's compete."

"Since the development of the Huitong Bank, the annual dividends of silver are enough to make up for all the past. If the Daming Royal Bank cannot be 100% directly under the direct control of the Daming Royal Family, then why supervise the newly established industrial and commercial, construction, postal savings, Agriculture, navigation, etc.?

If there is any kind of turmoil during the reorganization of the Huitong bill number, whether it is a credit crisis or a run-on trend, all those who work in it will be sentenced to death if they find out who is secretly fueling the flames. Do you understand? "

However, the addition of banks for industry and commerce, construction, postal savings, agriculture, and navigation is not only to simply attract storage, but also to support the corresponding industries.

At the same time, add industrial and commercial, construction, postal savings, agriculture, and navigation banks. Through these literal meanings, you can understand my plan, right?
Just like this Daming Industrial and Commercial Bank, after gradually developing in the future, in addition to the normal deposit collection behavior, the main field involved, that is, the precise lending business of industry and commerce, supports a group of outstanding folk groups, and ensures the prosperity of Daming industry and commerce. develop.

In this way, the above-mentioned batch of newly-added banking supervisory powers will be under the control of the Daming Royal Bank. From now on, the Daming Royal Bank will serve as an independent government office and will no longer be under the control of other ministers. Be directly responsible to me. In this way, all the silver shares of Daming Royal Bank will be owned by the royal family. "

"The ministers obey the order."

"During the restructuring period of Huitong Ticket Number, the Independent Commission Against Corruption will perform its duties for me." Emperor Chongzhen thought for a while, looked at Huang Daozhou and said, "During the restructuring period, don't give me any form of bad debts or bad debts. If you make trouble from it, or use your power for personal gain, once you find out, you will be severely punished!"

"The minister obeys the order."

Huang Daozhou immediately bowed in response.

The special team system of the Ministry of Internal Affairs has various benefits for Emperor Chongzhen. He does not have to be like the Department of Government Affairs in the Outer Dynasty. Emperor Chongzhen will be influenced in any way by what he says, and then he will speak out various voices of opposition. .

Regardless of the size of the officials in the entire Ministry of Internal Affairs, Emperor Chongzhen can directly dismiss them, and even find a replacement in the first place. Under the special system of the Ministry of Internal Affairs, no matter what qualifications, it has always been judged by ability In terms of character, whoever dares to commit corruption should be punished severely. After all, the official salary of the Ministry of Internal Affairs, no matter what level it is, is much higher than that of the foreign court.