eldest son of Ming dynasty

Chapter 339 Changes in the Capital

Banking is not a simple industry. Under the technical conditions of ancient times, many simple economic principles cannot be fully applied.

An example is the matter of lending money to individuals.

If there are not enough constraints, how can people be obedient and pay on schedule?
That's why Zhu Houzhao said that this is a combination of a bank and a pawnshop, and it needs a collateral.Also because of this restriction, the poorest people will definitely not be able to borrow money at this time.

Let everyone in need be able to borrow money from the bank, and minimize the risk. This is a dream that human beings have worked hard for many years but has not yet been fully realized. Even in modern society, banks still have bad debts. Rate.

Therefore, it is an unavoidable reality that the scope is limited to a small range of "property" groups, and countless poorer people do not have such services.

In any case, ideas always have to be feasible first.

Because of the importance of the bank, subjective conjectures that ignore objective laws cannot be tolerated.

"Eunuch Liu... Where is Your Majesty?"

"Over there." Liu Jin turned sideways, and a small pavilion extending into the center of the lake appeared in his vision. Inside the pavilion, the emperor was talking to a minister. From a distance, there was a red official robe, which seemed to be a big official position.

After a closer look, I found out that it was the Minister of the Ministry of Officials, Liang Chu.

After Wang Jia left his post as Minister of the Ministry of Officials, Chu Liang, who was then Minister of the Ministry of Officials, took over this position.

Liang Chu has status among literati and has seniority in the officialdom. He has been a Beijing official for so many years, and he can be regarded as a leader.

Although he is not a new type of official who is loved by the emperor like Gu Zuo, but he is diligent and conscientious, and after so many years of seniority, it is no problem to take over as Minister of the Ministry of Officials.

After Liang Chu left, Liu Jin led the people around him.

"Wei Chen sees His Majesty!"

"Stay flat." Zhu Houzhao waved his hand, and Liu Jin stepped back obediently.

Because there is a lake nearby, after Liu Jin retreated, no one around him could hear what the emperor and ministers said.

So this atmosphere is unusual.

"How many years have you been by my side?"

"Returning to Your Majesty, I have been in the Imperial Academy before, and then I have been in the attendant's room for nearly three years."

Zhu Houzhao was a young man, with his fallen temples flying in the wind. He looked at Wang Xian who was kneeling on the ground, and said, "Three years. What do you think is the core of my handling of government affairs, and how should I summarize it? If you were asked to use only one word .”

"I thought it was the common people."

"wrong."

Wang Xian frowned, and his heart tightened. He was very confident in the answer to this question, but he made a mistake when he opened his mouth. This mistake is not a big deal. Doesn't it mean that he spent three years by the emperor's side in vain?
So he pursed his lips, thought for a while, and said, "Your Majesty Qizuo, I think of one, but I don't know if it's suitable or not."

"You're done."

"Yes. Weichen thinks that if you can succeed, you will succeed."

"If you can do it, you can do it?"

"Yes, His Majesty deals with many things, and always asks if there is any way."

"It's close." Zhu Houzhao smiled, "I told you, but I don't know if you have heard of this word. It is called law. You can understand that many things in this world have rules. If you can’t do it, you can’t do it. If you don’t understand this, you will do many imaginary things. The economy is a very regular thing.”

"I don't know what the economic laws His Majesty refers to?"

"For example... no matter how the imperial court regulates, there will definitely be loans from the people. When these things happen, sometimes they have no money to use, and sometimes they borrow money to expand their operations. After the establishment of the Beijing City Planning Department, they carried out very quickly. It has been proposed to them to set up a bank whose core function is to do the business of borrowing money, and of course the business of saving money.”

Wang Xian immediately began to think, "Your Majesty's deposit of money is a bank, and it means that the people store the money here."

"Yes."

"In this way... I am afraid that the people will not believe it."

"So you need to build confidence. People who save money can get extra income, which is called interest. People who borrow money have to pay back the principal and interest when they repay the money. You should understand this. The difference is that the total interest on borrowed money It is greater than the interest on savings, so that the bank can maintain it.”

"But... going around like this is putting people's money in the hands of the bank. This is competing with the people for profit, so what's the benefit?"

Zhu Houzhao opened his mouth, and stopped talking.

There is still a difference between whether you work in the Shaofu or not.

"The so-called economy is the circulation of gold and silver. The faster the circulation of gold and silver and the larger the scale, the more abundant the business activities of the people are. You can say that this kind of circulation is just going around, but only in this way can the common people get income. You think about it this way, only those who have silver are willing to spend the silver in the cellar, and the poor have a chance to earn his silver, right?"

Wang Xian cupped his hands thoughtfully and said, "I understand."

"Your duty is to establish such an institution, lend money to the people to let them build their own houses, and then the capital will be full of vitality, and everyone will work hard for a better tomorrow, and the court will Guaranteed to continue this vitality. Do you understand that?"

"In addition, once the bank starts to operate, it will hold a lot of money, and the level of its interest can affect the operation of the economy, so it must be held by someone I trust. I hope you will keep this in mind."

"This official understands that this official will definitely not disappoint His Majesty's trust."

"I believe it, but... I suggest that you contact a few officials from the Shaofu, they know better what I'm doing."

"Wei Chen takes orders."

At this time, the capital of the Ming Dynasty already had a population of 70 to 80, which was already quite large. With the gradual influx of people in the past two years, the population of the capital of 80 should be sufficient.

Such a large urban population is a market in itself.

The imperial court continued to use various methods to activate the capital. In fact, the capital has changed a lot from before, and under such an atmosphere, the wise people themselves can create different economic forms.

Even if we don’t talk about innovation, there are new things coming in. For example, high-quality cloth from the south of the Yangtze River is transported to the capital on a larger scale by merchants. They did not grow food, so they went to the countryside near Beizhili to buy food.

And because more and more people have left the countryside, food prices have actually increased to a certain extent.This point has not been supervised by the imperial court, and low grain prices hurt farmers. Properly increasing food prices is not entirely bad. Although it will make the people in the capital feel the increase in living costs, it is also a way to prevent the people from giving up the land so quickly. reason.

In addition, even the merchants in the Western Regions began to increase,
And even more extreme, the trade of slaves has become more frequent.

Zhu Houzhao is considering adding fire to it, he needs a demonstration effect.A perfect example of working hard, taking risks and getting rich.

He chose a Tianyan clothing store and a brush shop!

The clothing store is through the academy, and the uniform clothing of the students in the academy is provided by this clothing store called Tianran. Thousands of pieces of clothing throughout the year have suddenly increased the prices of the tailors in the capital.

The brush shop is procured through the palace for dozens of private schools that will be built soon.

Afterwards, it was announced that Zhang Chengtian hyped up the stories of the fortunes of these two employers on Ming Pao. In this way, it is still worrying that the enthusiasm of the people to start a business is not high?Not enthusiastic enough?

Even the girls in Song Heng's mansion started to move around, thinking that it would be great if they could make something.

The younger sister of the Song family is called Song Yue, she is a bit eccentric, not very honest, plus she can read some characters, so she reads the most funny things in "Ming Pao".

"That day, the owner of the dyed clothing store was clearly a man, and he had a good eye for making clothes. This time, the academy bought thousands of pieces of clothes from him, and he was able to earn tens of thousands of taels of silver all at once. What a shame! Broke me."

Mrs. Song thought it was funny, "He makes money, why are you angry?"

"Oh, don't we all like to sew and mend and make clothes when we have nothing to do? You see that you have made a lot for your brother-in-law, but no one knows that you can make so much money? Do you think we are losing money? "

Mrs. Song still has needlework in hand, "What's wrong, you said that the clothes of each family are made by the family members themselves, who would spend so much money to buy ready-made clothes?"

"That's why we all think so, and they make money. I just realized now that there are a lot of rich families in this capital. If the clothes are good, they are willing to spend money. After the academy is bought this time, it is estimated that his family's Clothes have to be snatched!"

The Song family danced and danced a little cutely,
Mrs. Song smiled happily beside her, "The changes in the capital are really getting bigger and bigger every day..."

(End of this chapter)