Autumn of the 17th year of Chongzhen

Chapter 1318 Supervision Bank
After Wang Yan learned about these things from a few people, he already had a basic idea of ​​the direction of governance in the next few years, and knew what the Ming Dynasty should do in the next few years.

This is a huge advantage of the centralized government. Once it decides what to do, the resources of the entire Ming Dynasty will be tilted to one side to facilitate the implementation and success of the national policy.

Although this may cause unbalanced development and waste of resources, it can be done very efficiently, and it can complete the national policy of Ming Dynasty in a very short period of time.

If a unified centralized regime does not do anything, it will decay at an alarming rate, and a high degree of centralization will inevitably bring about a high degree of corruption. However, if a centralized regime is ambitious and courageous, and wants to achieve something, then it The strength displayed is definitely beyond the reach of other political systems.

The Ming Dynasty had a big meeting every five years, and a small meeting every year. It changed the old bureaucratic style of waiting for things to come and then solved them. Instead, it continued to set new goals for the cabinet and bureaucratic groups, and to do a lot beforehand. Things and preparations to prevent problems before they happen.

In a few days it will be time for the New Year's Proposal, and Wang Yan already has an idea in mind, the next step is to work out a set of specific plans with the cabinet, and bring them up in the meeting hall when the pre-planning is held.

Wang Yan glanced at several people, and then said: "I'm done with what I need to understand. If you have anything to do, just do what you want."

The three stood up immediately, and Song Yingsheng and Qian Bingdeng saluted immediately, "Let me go first!" After speaking, the two of them backed up a few steps, and turned to go out when they reached the door, but Chen Yonghua did not leave without saying goodbye.

Seeing that he was still standing still, Wang Yan sat down again when he was about to get up and leave, and asked in confusion, "What else is there to do for Fufu?"

The president of the Wudehao is a very strange existence in Daming's official position.

Strictly speaking, the Wudehao is not a yamen of the imperial court, but a private property controlled by the rich and powerful.

Although its president is appointed by the imperial court, the personnel are selected by Wudehao itself. The imperial court cannot assign officials to take office on Wudehao. A very independent existence.

Of course, for Wang Yan, he still has a lot of influence on the Wudehao. After all, the Wang family holds more than [-]% of the shares in the Wudehao. Coupled with Wang Yan's status as the supervisor of the country, the Wudehao is barely under his control. Among them, I just don't know what to do with the cancer of the Wude after him?
Its interest network has become so intertwined that it affects the whole body. The most important thing is that it is tied to the economy of the Ming Dynasty. Otherwise it will always be there.

Chen Yonghua bowed his hands with a smile and said: "Report to Jian Guo, I do have something to report to Jian Guo."

Wang Yan stretched out his hand to let him sit down. He was a little uncertain about the Wude name, "Oh, what's the matter? Fufu said it directly."

"Jianguo is about Japan." After sitting down again, Chen Yonghua continued: "In recent years, a large amount of silver and gold have flowed out of Japan, and the southern feudal clans have been greatly impacted, causing turmoil in Japan. Deterioration. The finances of the Tokugawa shogunate and southern Satsuma, Changzhou, Hizen, Tosa and other vassals are not optimistic. Can we, Wutoku, lend them some money to help Japan maintain domestic stability and ensure that our dynasty is in Japan? stable trade."

Wang Yan tapped his fingers on the seat a few times, his brows furrowed, and he quickly analyzed the intention of Wude in his mind.

As the supervisor of the Ming Dynasty, he controlled the overall situation of the world. It is not an exaggeration to describe Wang Yan's life as a day-to-day affair. The entire territory of the Ming Dynasty, the memorials sent up every day, even with the help of the cabinet, things are still complicated.

This is not because Wang Yan wanted to seize power, but because the supervision system of the Ming Dynasty was not perfect, and there was no supervision system to restrain the bureaucratic group, and the people were at an absolute disadvantage when facing the bureaucratic group, so he was in this position. , must be on behalf of the emperor and the people of the world to prevent the bureaucrats under him from messing around, to protect the interests of the people from being excessively damaged to a certain extent, and to prevent all parties in the DPRK from following the old path of the Donglin Party.

The interests of the gentry class represented by the bureaucratic group and the emerging merchant class, Wang Yan played a role in mediating the contradiction between them and the common people, doing things for the world, which is the source of his legitimacy.

Since the last crisis, Wang Yan has been very vigilant about the Wude, but his energy is limited, and he still can't fully control the domestic situation, so naturally he has no time to pay attention to Japan.

Wang Yan thought for a while, then suddenly asked: "How much money is in the Wude account?"

Last time, it was because Wudehao gave a large amount of loans to the workshop, which caused the bank to be short of cash. After the workshop was affected by the rebellion and lost its ability to repay, Wudehao abruptly terminated the loan and used government channels to press for debts, resulting in A large number of workshops went bankrupt as a result.

Banks have a characteristic. When the economy is good, they desperately want to lend money and let others take advantage of the good situation to help the bank make money. But if the wind is not right, and it is found that a business is not doing well, it will be the first to come up again immediately. To repay the loan, to explain it in one sentence, it is "send an umbrella on a sunny day, and take an umbrella on a rainy day".

The handicraft industry in the Jiangnan area, as well as the entire industrial chain, were hit hard because of that incident, and this loss was not recovered until last year.

Chen Yonghua nodded, "Reporting to Your Highness, in the past two years, my court's trade has been smooth, the court's taxation has increased, and the firm has also made a lot of money. Most of this money is in the treasury of Wudehao and several other banks. There are about 9000 million taels It’s too much. If the money is left in the bank, it will only get moldy, so it’s better to lend it out and charge interest.”

"9000 million taels?" Wang Yan was a little surprised, but it is estimated that most of the money is stored in Wudehao by some companies, not owned by Wudehao. up.

Wang Yan frowned, and said in a deep voice, "This matter still needs to be considered. I have no objection to the lending by the bank, but you must pay attention to the risks. The Wude is the economic pillar of Ming Dynasty. I hope you don't forget about it because of the little interest." The responsibility of the Five Virtues."

In the past two years, the economy of the Ming Dynasty has developed rapidly, and the trade has basically been in surplus. The court and various companies have a good harvest, and the silver of Wudehao naturally rises. Borrow chickens to lay eggs, use the company's money to lend, and then earn interest.

There is nothing wrong with this, Wang Yan is worried that Wu De Hao is too greedy, and does not keep cash in the account like last time.

When Chen Yonghua heard Wang Yan mention his responsibility, he knew that he was not satisfied with the performance of the Wudehao before, so he was wary of the Wudehao. He hurriedly explained, "Jianguo, Japan is one of the main markets for our products. First, if Japan is in chaos, it will also affect our dynasty, so lending money to Japan to help them stabilize the situation is also beneficial to our dynasty.”

Chen Yonghua saw that Wang Yan listened again, so he said: "I know that Jian Guo was dissatisfied with the performance of the Wudehao in the last crisis, but I think that the Wudehao is the stone pillar of the Ming economy, and it has no obligation to rescue the poorly run workshops. , The Five Virtues must avoid risks, and protect themselves first, in order to fulfill the responsibility of stabilizing Daming. I think that if the Five Virtues survive, they are fulfilling their responsibilities to the world.”

Hearing the words, Wang Yan couldn't help but look up at him, the Wude Hao was indeed a bit too big to lose.

From the perspective of the workshop, Wude gave umbrellas on sunny days and borrowed money to expand the workshop. However, when the workshop was in crisis, Wude took away umbrellas on rainy days. When the workshop needed the money support of Wude most, it was forced to repay the debt. There is no doubt that he lacks morality and humanity, but judging from a large organization like the Wood and the responsibilities he bears, he must be ruthless and form a norm.

However, Wang Yan did not fully agree with Chen Yonghua's sophistry. The original situation was caused by the excessive lending of Wudehao, and Wudehao was definitely responsible.

Wang Yan stared at Chen Yonghua for a while, until the latter bowed his head and buried his head, and then said in a deep voice: "Gu is not opposed to Wudehao's lending. It is better for a firm to borrow money from Wudehao than to borrow from usury. Appropriate lending can also help me develop into a business, so lending is feasible, but Wudehao should keep enough cash to deal with the crisis, otherwise if something goes wrong, it will harm others and ourselves."

After hearing this, Chen Yonghua hurriedly saluted and said, "Don't worry, Jianguo. With the lessons learned from last time, the Wude will definitely keep enough cash this time."

Wang Yan sneered, "This Wude Bank doesn't count. I'm going to find a few people or censors who understand the operation of the bank to monitor the accounts of the Wude Bank on a regular basis, and empower them to check the Wude Bank's bank at any time. The power to ensure that the Wude has enough cash and does not issue banknotes indiscriminately. Does President Chen have any objections to this?"

Chen Yonghua frowned, guessing that Wang Yan had long wanted to attack the Wude.

As a shareholder of Wudehao, Wang can see Wudehao's account books every year, and can also check the accounts with other shareholders, but after all, he checks himself, and Wang only holds [-]% of the shares. If he really finds out the problem Come on, you can't dominate the overall situation.

Wang Yan used the imperial court to check the Wude number, obviously wanting to form a standard for the bank and put a shackle on the Wude number to prevent the Wude number from messing around.

Chen Yonghua frowned slightly. He knew that Wang Yan was also trying to avoid the possible dangers of the Wudehao, but once such a government agency that competed with the bank appeared, the rights of the Wudehao would be reduced, and the actions would be as simple as possible. Subject to many restrictions.

"Reporting to the supervisor, the accounts of the Wude Company are complicated, and it takes time to check and affect the operation of the bank. I think it is better for the Wude Company to sort out the annual accounts before handing them over to the court." Chen Yonghua bowed his head and said.

Wang Yan really wanted to monitor the Wudehao, "No, the imperial court must have the power to monitor the Wudehao, the accounts must be handed over, and the investigation must also be checked." Wang Yan's tone slowed down, "Of course, as long as Wude According to the requirements, Dehao has prepared cash to deal with the crisis, and the imperial court will not interfere with the operation of Wudehao, nor will it send officials to take over Wudehao."

Chen Yonghua looked up at Wang Yan, then lowered his head. He knew Wang Yan's determination. I am afraid that the imperial court's supervision of Wudehao is inevitable. Fortunately, the imperial court does not interfere with the internal affairs of Wudehao. In order to reduce the risk of Wude.If the imperial court wants to take over Wudehao, then he will definitely not agree, and neither will the shareholders of Wudehao.

"After the minister returned, he summoned the big shopkeepers of each branch, and then informed the shareholders to cooperate with the supervision of the imperial court." Chen Yonghua compromised.

Wang Yan nodded in satisfaction, "Very well, I will ask people from the Ministry of Punishment, Dali Temple, Ministry of Households, and the Metropolitan Procuratorate to discuss with the Wudehao and formulate a set of laws and regulations."

Chen Yonghua had nothing to say, Wang Yan saw this, and immediately said: "After the imperial court checks the bank of the Wude, if there are indeed 9000 million taels of silver in deposit, then the Wude will keep a part of it to deal with the crisis, and the rest of the silver It can be used for lending, and the imperial court will not interfere."

"Jian Guo, what about lending money to Japan?"

Wang Yan stroked his short beard, Wu De Hao wanted to lend money to Japan, relying on the strength of Ming Dynasty, he was not afraid that Japan would not pay it back.From this point of view, the entire imperial court was actually controlled by the Five Virtues.

Wang Yan pondered for a long time, "You can borrow it, but it is safer to lend it to the Tokugawa shogunate. As for the southern feudal clans, it is best not to borrow, or to borrow less. This risk is assessed by Wudehao itself, and I will not interfere."

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(End of this chapter)