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Chapter 789 Bank Summary
The next day, the good news of Kim Park Town in North Korea finally arrived.It is a bit slow for this ancient traffic to reach the capital across the sea.

But even so, it was only when the Fujian Navy came back that the good news came back.Now that the sea is frozen, the victories of the Gaizhou Battle and the Jinzhou Battle cannot be passed back to the capital. It is not as fast as the news brought by the tribes in the eastern Mongolia.However, the news of the victory they brought was a bit informal after all, and everything should be based on the good news.

"North Korea's Jinpu Town was victorious, more than [-] people were killed, and more than half of the Zhengbai Banner was lost, and the banner owner fled in embarrassment! Our Ming army lost very little!"

"Our Ming army seized countless food and grass, and countless armor and weapons!"

"..."

The messenger who reported the victory sang the brief content of the victory report all the way, and entered the city with great fanfare, causing the people of Ming Dynasty who came from both sides of the victory to celebrate involuntarily.

Although the news had already spread in the capital city, the arrival of the news messenger officially ignited the ocean of celebration.Many people have already set off firecrackers, colorful lights and so on. When the messenger flies past, the sound of firecrackers will be "crackling".

Although the weather was severe, many of the people of Ming Dynasty went out at this juncture, with smiles on their faces, and when acquaintances met, they clasped their fists to celebrate each other.Especially those whose relatives died at the hands of Jianlu before, they were even more happy.

The lively noise spread to the posthouse and to the ears of the various tribes in eastern Mongolia. There was a feeling of emotion in my heart: embarrassment, shame, sadness, envy, etc., it is really hard to understand if I am not one of them.

After hearing this, Oqiertu and other western Mongolian envoys were mostly envious.They envy Daming's victory, envy the prosperity of the capital, envy the excitement of the capital...

The imperial court had been prepared for a long time. As soon as the good news arrived in the court, there was immediate feedback, and the soldiers who participated in the war were rewarded.In addition to promotion, the rewards in kind are mostly land.Of course, this land is not from the capital's side, but from Liaodong. The land on the left side of Jinzhou was rewarded with several times the value of the silver reward.

Of course, this is something that can't be helped. The court can only live a miserable life at this time, and there is no extra money to reward.Rewarding with the land of Liaodong, if it were changed from before, the common people would definitely feel that the court was lying.But at this time, not only was there a great victory in Jinpu Town, but the capital also spread the great victory of Gaizhou, and this is a great victory that can be guaranteed.

Against this background, the Ming people have regained their confidence in the imperial court's recovery of Liaodong.Naturally, the land of these rewards is naturally not a flower in the mirror!What's more, the imperial court rewarded a lot of land. If it was a peaceful era, it would be absolutely impossible to buy so much land with the reward silver for this battle.

The sound of celebrations outside the Forbidden City, occasionally mixed with the sound of firecrackers, has a strong New Year's flavor before the New Year's Eve.

At this time, in the Wenhua Palace in the Forbidden City, the eunuch Cao Huachun, the chief minister of ceremonies, and Wen Tiren, the chief assistant of the cabinet, were reporting the year-end summary to Emperor Chongzhen.

In terms of military affairs, Emperor Chongzhen personally participated in every battle, including prior news, formulation of combat plans, participation in the battle process, and so on.Therefore, this piece of content, which mainly focuses on Wen Tiren, is only briefly mentioned, and the focus is on domestic governance.As for Cao Huachun, in addition to Wen Tiren's words, if there are any omissions, they are just supplements.Of course, even if it is an audit, it also has the meaning of supervision.

"Your Majesty, all the provincial branches of the Daming Construction Bank are already in operation this year, but the situation in each province is different. In half a year, the deposits and loans in the Jiangnan provinces are considered to be the most ideal. From the current point of view, the prospects are good. But other than that There are very few people, businessmen, etc. who go to various branches to borrow money. If there were not factory guards watching and His Majesty's strict order, the money might have been taken away by the local government..."

Hearing Wen Tiren talk about this matter, Emperor Chongzhen remembered the memorial made by Zhu Xieyuan in the west, that he wanted to embezzle the money in the branch of Daming Construction Bank through administrative orders.

"...Weichen has made people understand carefully that there are many businesses in the south of the Yangtze River, and the common people know how money makes money, and they can often find some profitable transactions. Therefore, for private high-interest loans, loans from Daming Construction Bank are the best way. Compared with those in Jiangnan, people in other places have a weaker concept in this regard. Even if they can get loans from Daming Construction Bank, they don’t know how to make the money make money. Instead, they worry about those who don’t Too much interest has to be repaid, so there are very few borrowers..."

If it was changed to the early Ming Dynasty, the status of merchants was underground, let alone other places, it is estimated that there would be no bank opening in Jiangnan.Now is the late Ming Dynasty, and doing business is very common, at least in prosperous cities such as Jiangnan, so there is the soil for the existence of banks.

But even so, the overall situation of Daming Construction Bank is not as good as imagined. It makes little money in a year, and the shareholders don't even have the desire to pay dividends.

Emperor Chongzhen was not surprised by this, because in the era of his later generations, most Chinese people believed in the life tenet of "never owe money".If you have money, you can deposit it in the bank; if you don’t have money, you can tighten your belt;The first thing that comes to mind is what should I do if I lose money?Instead of analyzing the possibility of making money, and what to do if you make money.

"...Therefore, in many provinces, the local governments carry out loans according to the rules of the bank. For example, Shanxi and Shaanxi are mostly borrowed by the naturalized governor's office for the construction of the Hetao area, the resettlement of the people, etc... ..."

According to the bank's rules for loans, even if it is the Governor's Mansion, the corresponding collateral must be provided.The collateral in the Hetao area is the special products on the grassland, such as cattle and sheep.For the mainland, especially cattle, the more the better.With these mortgages, there is no need to worry about paying back the money.

Emperor Chongzhen nodded, he knew all these things.Without his permission, it is impossible to be loaned away, such as Zhu Xieyuan's side.

After Wen Tiren finished playing about the Daming Construction Bank, he opened his mouth and gave instructions: "Everything is difficult at the beginning. This is only the first year, and all rules and regulations must continue to be adhered to. The bank principal in the coming year can be determined according to the provinces. After a long period of time, people’s ideas will gradually change, and the role of banks will become more and more important at that time!”

Emperor Chongzhen set the tone, and Wen Tiren knew what to do next year.Putting this matter aside, he reported to Emperor Chongzhen about the sea ban, which can be said to be the biggest policy measure implemented this year.

　There is one more tonight!
　　
　
(End of this chapter)