Daming: Mixed in Dangzhi County, Beiping

Zhu Gaochi was startled, then looked a little embarrassed.

Guo An continued to ask: "Is the situation bad?"

"Teacher's insight!"

Zhu Gaochi smiled sarcastically and said: "Although banks have been built, the merchants and gentry all have their own banks that they are familiar with. Even if the managers of the bank come to lobby, they are not very willing to come to the bank to deposit money and borrow money!

Even if I come here, I will only save a few hundred taels of treasure, or even a thousand taels..."

"As for those noble officials, they don't have much money..."

Guo Andao: "It's not that they don't have money, they're just afraid that their money will be known to His Majesty and His Royal Highness the Crown Prince!"

"..."

Zhu Gaochi's eyes widened!

What do you mean...?

Guo An smiled softly and asked directly: "Your Highness, how many customers and deposits are there in the bank now?"

A trace of embarrassment appeared on Zhu Gaochi's face, and he said helplessly: "There are about dozens of gentry and merchants, and they only have more than one million taels of money in savings!"

Guo An couldn't help but be a little surprised, "So few!"

The corner of Zhu Gaochi's mouth twitched slightly, "I wonder if the teacher has any good ideas?"

Guo An said: "Your Highness, I have a way for you, but I need your Majesty's consent!"

"Huh? Teacher really has a way?"

Zhu Gaochi's eyes suddenly lit up and he stared at Guo An closely.

"Ok!"

Guo An nodded slightly and said, "It just depends on whether His Majesty and His Highness can accept it?"

Zhu Gaochi said hurriedly: "Teacher, just tell me!"

Although in this era, the gentry and nobles always have a natural disdain for merchants.

However, after witnessing since childhood how merchants had changed the Yan Palace and even the entire Ming Dynasty, Zhu Gaochi had long since given up on this idea.

Guo Andao: "Let Dibao, Jiangjunshan Workshop, Sea Trade Shop, and Auction House cooperate with the bank!"

"cooperate?"

Zhu Gaochi was startled and then said: "Teacher, I don't know how to cooperate?"

"All money from these businesses can be deposited in the bank!"

"Teacher, aren't these firms and banks all my father's firms?"

"Yes!"

Guo An smiled softly, looked at Zhu Gaochi's puzzled expression, and said: "But depositing this money into the bank is to provide business to the bank and allow the bank to develop.

Besides, if you put all that money into internal funds, you can only wait quietly for the depreciation of the treasure banknotes.

Your Highness, only liquid money is truly valuable money..."

“Of course, the most important thing is that banks can use this money to open bank branches in various states in the Ming Dynasty. These are fixed assets.

In addition, we require those merchants and gentry who cooperate with Di Bao, Jiangjunshan Workshop, and Maritime Trade Chamber of Commerce to deposit money into banks..."

Zhu Gaochi suddenly realized, "Teacher, are you trying to get the gentry and merchants to save money and enter the bank?"

"……can say that!"

Guo An nodded helplessly.

"Teacher, what else do you mean?"

Zhu Gaochi asked with some doubts.

Guo An couldn't help but have a headache. He shouldn't have explained. This time it was endless.

However, it’s impossible not to explain!

"Your Highness, the bank is the most important part of a country's financial system, even more important than the household department!"

"Teacher, why is this?"

Zhu Gaochi was shocked.

"Your Highness, you can control the money of all the state capitals in the Ming Dynasty through the bank. You can even use the money in the bank to know the net worth of the merchants and gentry in each state capital of the Ming Dynasty?

In particular, banks can lend money to those people...

Of course, this loan is a low-interest loan. If there are people who cannot survive and need money to survive, they can come to find banks to borrow money, instead of looking for those gentry and merchants who are unkind and greedy for wealth. They will be exploited by those gentry and merchants and take away their fields! "

"In addition, when the gentry and merchants deposited all their money into the bank, it can be said that their money became the money of the bank.

Banks can use their money to build docks, lay cement roads, lend money... and do various businesses to make money. "

Zhu Gaochi's eyes suddenly widened.

"The teacher's intention is to let the bank replace the household department to adjust the balance of money in the entire Ming Dynasty?

Moreover, the money of the merchants and gentry was also used to generate money for the bank. If the gentry and merchants learned about it, would they agree? "

"Your Highness, the money they have stored in the bank can be withdrawn from the bank in each state capital of the Ming Dynasty through a passbook with a big seal!

Moreover, even if their old money is deposited in the bank, when it is taken out, it can be turned into new money...

With such convenience, they should all be willing to deposit it.

If they don't want to, then give them a small amount of interest, such as one hundred taels of silver, and put it in the bank for one tael a year, or dozens of pence a month... As for whether they are willing for the bank to use their money to make money , but they can't help it.

It’s even unclear whether they can know..."

After thinking for a moment, Zhu Gaochi asked again: "Teacher, who should be responsible for this matter?"

Guo Andao said: "Shen Zhuang, maybe he is as proficient in businessmanship as Shen Zhuang, he is a very shrewd and calculating person!

Since those merchants and gentry have deposited money into the bank, the money deposited by the bank through them must be enough to support the bank! "

"Shenzhuang..."

Zhu Gaochi was thoughtful.

Guo An was startled and said hurriedly: "Your Highness cannot let Shenzhuang leave. With the chief steward of Shenzhuang Maritime Trade Chamber of Commerce, the Maritime Trade Chamber of Commerce can be so orderly."

"Teacher, don't worry, I won't take away anyone's love!"

"If Old Monk Dao Yan is interested, let him serve as a consultant to the bank. Perhaps he is the best candidate..."

"Master Daoyan?"

Zhu Gaochi was startled, and then his eyes became brighter the more he thought about it.

……

Inside Fengtian Hall.

After Zhu Di completely listened to Zhu Gaochi's narration, he couldn't help but fall into deep thought.

"Dinghaihou wants to use banks to restrict the banks and gentry merchants in various state capitals of the Ming Dynasty? To prevent them from squeezing the people like that...

“If some people deposit their money in a bank, they don’t have to worry about their money being stolen or snatched away halfway.

Moreover, the bank can also use their money to make money and support the bank.

In the future, the exchange of new and old treasure banknotes can also be done by banks..."

"In this way, the role of the bank..."

Thinking about it, Zhu Di couldn't help but look surprised.

"Guo Qing has such a dark heart. He can actually come up with such a trick!"

Zhu Gaochi nodded in agreement.

"But, Dad, what the teacher said does make some sense!"

"Somebody come!"

Zhu Di directly ordered Yishiha on the side, "Go and invite Master Daoyan!"

"The slaves obey the orders!"

Yi Shiha responded quickly and walked quickly to the East Palace.

However, as I walked, my heart was full of weirdness.

This Marquis of Dinghai is really a weirdo. He actually started to suggest that Your Majesty let an eminent monk manage the bank!

Isn’t this bullying Master Daoyan?

And judging from the opinions of His Majesty and His Royal Highness, it seems that they agree!

Weird!

What surprised Yishiha even more was that after Master Daoyan listened to His Highness the Crown Prince's words.

The Master Daoyan just changed his expression for a while, muttered a Buddhist name in a low voice, and then somewhat agreed!

Even, there seemed to be some excitement in his eyes.

Yi Shiha can be sure that with his perceptive eyes that he has honed over the years, he can be sure that Master Daoyan is really excited!

But, since when did Buddhists care so much about money?

"Your Majesty, Marquis Dinghai's plan is a great event that will benefit the people of the world. The monk will definitely do his best!"

"Very good!"

Zhu Di nodded with great satisfaction.

On the side, Zhu Gaochi was also full of joy.

Master Dao Yan added: "It's just that the monk is a monk and it is inconvenient for him to appear in public. The bank's stewards still need several internal officials to serve as stewards!"

"That's right!"

……

The next day.

Monk Daoyan and Zhu Gaochi boarded the Dinghaihou Mansion.

Monk Daoyan smiled bitterly and said, "Amitabha, Marquis Guo has tricked this poor monk!"

Guo An smiled lightly, "Although the Master is a monk, he has great ambitions! And in the entire Ming Dynasty, what else is more suitable for the Master than a bank?"

"Amitabha!"

Monk Dao Yan said helplessly, and then asked: "May I ask Marquis Guo, how far should the bank go?"

... (end of this chapter)