My father Zhu Gaoxu

Open a bank
Before Zhu Zhanhe hoarded property in Beijing, many officials wrote letters of impeachment, but he didn't care about it at all.

Now that the matter of raising Lian Yin was exposed, Zhu Zhanhe suddenly became the great benefactor of the officials. All the officials praised him as the heir of the King of Han for his compassion for all officials. He may not care about this, but he has to consider the impact.

When hoarding land before, Zhu Di casually said that the land under the name of the Han Palace was almost comparable to that of Huangzhuang. Maybe he had no other meaning, but it was a warning to Zhu Zhanhe.

Now all the officials in the court are thinking of Zhu Zhanhe's kindness. If Zhu Zhanhe opens a bank at this time, lends money to officials, and becomes the creditor of many officials, I am afraid that no matter how much Zhu Di trusts him, it will be impossible. There will be some suspicion.

After all, Zhu Zhanhe, as a royal family, holds real power himself, and as a result has such a great reputation among officials, if he really wants to do something, it will be more of a threat than King Gu or Zhu Gaosui.

In addition, banks are not only used to lend loans to officials. Think about the functions of banks in later generations. Not only are they closely related to people's livelihood, but they can also affect the economy of a place and even the stability of a country.

So the significance of the bank is very important. It just so happens that Zhu Zhanhe has nothing to do right now, and there are people in charge of the East Factory and the shipping, so it is better to open the bank now.

"It's okay to open a bank, but it still has to be in the name of the court!"

Zhu Zhanhe muttered to himself, and then went into the palace to see Zhu Di.

When Zhu Zhanhe came to the Hall of Martial Heroes, he saw that Zhu Zhanji was also here, reporting to Zhu Di the progress of the construction of several halls in the imperial city.

"Grandfather, now the Fengtian Hall and Huagai Hall are almost completed, and they will be completed in half a month at the latest!"

Zhu Zhanji finally concluded.

Among the three main halls in the imperial city, Jinshen Hall was the first to be completed, followed by Fengtian Hall and Huagai Hall. Now these two halls are about to be completed, which also means that the imperial city can be officially put into use, and the remaining palaces can be slowly completed. Build slowly.

"Good job, you have worked hard during this time!"

Zhu Di looked at the thinner but leaner Zhu Zhanji and said with emotion.

When he sent Zhu Zhanji to Beijing to supervise the construction of the imperial city, he was very reluctant. After all, Zhu Zhanji had been with him since he was a child, even if he went out to fight.

But now it seems that Zhu Zhanji can stand alone after leaving him, which makes Zhu Di quite gratified.

"Brother supervised the construction of the imperial city, and he will definitely leave a good name in the history books in the future!"

At this time, Zhu Zhanhe also smiled and stepped forward to congratulate.

"The imperial city is nothing, the second brother you suggested to raise money, is the real strategy for the country!"

Zhu Zhanji also said very modestly at this time.

But what he said was true, no matter how majestic the imperial city was, it was just a dead thing. In contrast, the wonderful idea of ​​raising a clean bank was beneficial to the country and the people, and he couldn't think of it no matter what.

Even at this time, Zhu Zhanji was secretly glad in his heart, thanks to Zhu Zhanhe's suggestion, let his second uncle Zhu Gaoxu go to Tianzhu, Zhu Zhanhe will definitely go to Tianzhu to succeed him in the future, and will not stay in Daming to compete with him, otherwise he will still I really don't know if I will be jealous of this second brother?

"Don't be humble, you two, you are both my good grandsons!"

Zhu Di laughed at this moment, seeing that the two grandsons performed so well, the most important thing is that the relationship between them is not bad, at least not like his three sons, who are fighting to the death, which makes Zhu Di feel very relieved.

"Grandfather, grandson has something to report to you!"

At this time, Zhu Zhanhe finally found a chance to speak again.

"what's up?"

Zhu Di asked casually.

"It's like this. Since the release of the Nourishing Bank, the lives of many officials have improved. Some people even want to buy a house in Beijing, but they don't have enough money..."

Zhu Zhanhe talked about Wu Hong's idea of ​​paying in installments, and finally concluded.

"So I wonder if the imperial court should come forward to set up an institution similar to a bank, which can provide loans to people who need money. Not only officials, but people who need money urgently can also borrow from the bank. Of course, they will definitely need some money. Pawn."

"The imperial court opened a bank? Isn't this a bit of a fuss?"

After hearing this, Zhu Di frowned and asked.

Although Daming issued banknotes, it didn't pay much attention to financial institutions. Even banknotes were only issued but not received. They didn't abide by any economic laws at all. It can be said to be quite casual.

"Grandfather, please don't underestimate the lending industry. Nowadays, private lending is mainly done by some banks and some temples. The interest on the loans they issue is extremely high. If the people who owe the loan can't pay it, they will still use it. They tried every means to collect debts, and often even killed people.”

Zhu Zhanhe explained again.

"That's right, I've also heard about the evils of private lending. Some people were even forced to ruin their families, and some were even forced to take risks. Every year, there are many cases of lending caused by the government in various places."

Zhu Zhanji also echoed at this time.

"Even if what you say is true, but the imperial court keeps lending money, where does the money come from?"

Zhu Di still didn't understand. After all, the ancients really didn't have much concept of this kind of financial knowledge. Even Xia Yuanji, the Minister of the Household Department, probably wouldn't think of it.

"Don't worry about money. You can follow the example of private banks, which can lend money and accept deposits. In addition, you can open deposit and withdrawal services in different places, making it more convenient for people to use money..."

As Zhu Zhanhe said, he explained some functions of commercial banks in later generations in detail.

To put it bluntly, the business of a bank is nothing more than saving money, withdrawing money, lending and investing, etc. These functions not only facilitate the people, but also greatly promote business.

"In addition, officials' salaries and maintenance silver can also be distributed in this institution similar to a bank, so that officials can get them as they need, and they can also borrow money to buy some things, which is more convenient."

Zhu Zhanhe finally concluded.

Zhu Di frowned after hearing this, because he still felt that Zhu Zhanhe's proposal was a bit of a big deal, but for Zhu Zhanhe's face, he couldn't bear to refuse, after all, Zhu Zhanhe had helped him solve a lot of problems during this time. question.

"How about this, you discuss this matter with Xia Yuanji, and if he agrees, then you go and do it!"

Zhu Di finally waved his hand and said, he finally agreed, but he didn't take this matter to heart. In his opinion, it was just a trivial matter anyway, so let Zhu Zhanhe to toss about it.

"Thank you, grandpa!"

Zhu Zhanhe immediately said happily.

Although Xia Yuanji still had to be persuaded, he didn't think it was a big problem. After all, Xia Yuanji was an expert in financial management. He must understand the meaning of the bank better than Zhu Di.

(End of this chapter)