The next morning.
Zhu Gaoxu took Zhou Chen to inspect Daming Bank.
When Zhu Gaoxu was still the prince of the Han Dynasty, he was ordered to supervise the country's governance. In order to save the depreciating Ming treasure banknotes, he immediately withdrew from the Ming Dynasty Bank plan after discussing with Xia Yuanji, a financial and taxation expert.
By mobilizing the gold and silver from the national treasury and Emperor Yongle's internal funds as reserves, and allowing the people to exchange the Ming Dynasty treasure banknotes for real gold and silver at equivalent prices, the Ming Dynasty treasure banknotes were finally saved.
Of course, this inevitably led to some people taking the opportunity to make a fortune, but most of them were wiped out by Zhu Gaoxu, such as Yang Rong, the leader of the Jin gentry back then.
This guy, together with a large number of officials and gentry, tried to hoard Ming Dynasty treasure notes and exchange them for real gold and silver at the Ming Dynasty Bank. On the one hand, he could make money through this, and on the other hand, he could attack Zhu Gaoxu, the prince of Han Dynasty.
It's a pity that he far underestimated Zhu Gaoxu's determination. Instead, he killed them all and became a prisoner of his subordinates.
Yang Rong was also sent to prison that time, and he completed the transformation abruptly, washing away all his glory and becoming a new man.
Daming Bank has enhanced the credibility of Daming Banknotes through exchange business and successfully solved the credit problem of Daming Banknotes.
Another deposit business supplements the bank's reserves and greatly facilitates people's travel. After all, banknotes are easy to carry, and real money is solid, but it is too heavy.
After the advent of the Ming Dynasty Bank, it also stimulated the Ming Dynasty's economy to become more prosperous.
In addition, after the Ming Dynasty Bank was in normal operation, it had already opened lending, lending, funds and other businesses, such as the farmland support fund that the imperial court had always strongly supported.
To put it simply, the farmland support fund means that ordinary people can obtain a low-interest loan from a bank, use the money to buy seeds and farm tools, and then plant them in the fields designated by the bank. They only need to pay 10% of the harvest as field tax, and the rest The income is all yours.
It is precisely because of this that the Daming Bank’s farmland support fund has always been the great thing that ordinary people hope for.
But it is a pity that there are too many monks and not enough rice, and the fields under the name of the Ming Dynasty Qianzhuang are basically the royal fields left after the vassal kings moved away, as well as the fields under the names of local corrupt officials who have been investigated and punished. It cannot truly satisfy all people.
In this regard, Daming Bank has also specifically withdrawn from the corresponding assessment and supervision system. If anyone who occupies this quota does not cultivate the land conscientiously and the final harvest is not good, his or her qualifications to apply for the farmland support fund will be directly disqualified. It will never recover!
In addition to the farmland support fund, there are also commercial loan funds, factory investment funds, etc., which can be said to take care of all aspects of the people.
Since its birth, the Ming Dynasty Bank has gradually been on the right track and has played an important role like a bank in later generations. This is what the emperors and ministers of the Ming Dynasty love to see most.
The Daming Bank that Zhu Gaoxu and Zhou Chen walked into at this moment was the first Daming Bank that Zhu Gaoxu personally opened. At that time, Zhu Gaoxu also invited the Crown Prince Zhu Gaochi to cut the ribbon in person.
Nowadays, the bank is still the same, but things have changed and people have changed.
The boss's bones were all transported to North America by Zhu Zhanji, and now there is only a tomb in his mausoleum.
When he thought of this, Zhu Gaoxu couldn't help but look a little sad.
"Xun Ru, how is the operation of the Daming Bank? There are no mistakes, right?"
Based on the importance of the Daming Bank, it was directly under the jurisdiction of the Ministry of Household Affairs of the imperial court. The Daming Bank in Southern Zhili was directly managed by the Minister of Household Affairs in Nanjing.
Zhou Chen has long understood the importance of Daming Bank and is very concerned about it.
"Your Majesty Ming Jian, since the operation of Daming Bank, it has gradually exerted important functions and opened more and more financial businesses, which has been highly praised by officials and people."
"Nowadays, it is commonplace for people to deposit their spare money in banks or exchange gold and silver for Wude Bao banknotes. Facts have proved that people have great confidence in Daming Bank."
Hearing this, Zhu Gaoxu smiled happily.
"Not long ago, there was a bad incident at Daming Bank in Yangzhou where insiders misappropriated public funds and deceived superiors and subordinates. Fortunately, the supervisory authority played a role in time and picked out all the people and took them to the Yamen for punishment. This finally calmed down the storm!"
Zhu Gaoxu burst into laughter upon hearing this.
This is actually understandable. After all, human nature is greedy and its desires are hard to satisfy.
These workers and managers in the Ming Dynasty Bank dealt with so much real money and Ming Dynasty treasure notes every day, it would be strange not to have other ideas.
Therefore, Zhu Gaoxu has long established a complete and strict supervision system. Once someone is really corrupt and cannot pay the accounts, the Metropolitan Procuratorate will send an inspection team to investigate, let alone "collusion between top and bottom, mutual cooperation" "Covering up", every one of them will be severely punished according to the crime of corruption.
"Did Yangzhou Daming Bank change everything?"
"Your Majesty, don't worry. Everyone has been completely replaced. Even those employees who were not involved will be dismissed and will not be hired!"
Well, this is the continuous sitting system promoted by Zhu Gaoxu!
This kind of place is no better than other places, and the greed of human nature will be infinitely magnified!
Without implementing an extremely severe punishment system, it will be difficult to suppress the greed of these insiders.
This is the truth that in troubled times, you should use heavy codes.
It's a pity that some people dare to try the law. This is a good thing, at least it provides a clear lesson for other bank employees.
"In addition, the Ministry of Revenue has issued corresponding policies. All bank employees must avoid suspicion and are not allowed to work in banks in the state capital where they are located. It is the same as being an official..."
Zhou Chen described the current Ming Dynasty bank system, which was generally very good. Zhu Gaoxu was very satisfied with what he heard.
Zhu Gaoxu frowned when he saw a large number of people depositing real money and silver into the Daming Bank, then exchanging them for treasure banknotes or asking for silver notes to leave.
"Xun Ru, it's almost time to expand the scale of Daming Bank to the county level!"
As soon as these words came out, Zhou Chen was immediately shocked.
At the beginning of the construction of Daming Bank, apart from the first bank in Nanjing, there were only three banks in Yangzhou and Kaifeng.
With the normal operation of these three Daming Banks and gradually getting on the right track, the Imperial Household Department expanded its scale and gradually opened branches of Daming Banks in the centers of various provinces and offices, and then promoted them to densely populated and prosperous businesses. the state capital.
This is the development process of Daming Bank, which can be summarized as one establishment and two expansions.
However, if Daming Bank wants to expand, it is not an easy task. First of all, each semicolon bank must prepare a certain amount of reserves, which involves the credibility of Daming Bank.
The reserves of Daming Bank in Liangjing and Beijing are 10 million taels of silver, and the reserves of Fucheng Bank are 1 million taels of silver. After this conversion, they are actually barely enough. This is the reason why the national treasury reserves of silver are mobilized!
Now His Majesty is preparing for the third expansion and directly allows Daming Bank to be stationed at the county level, so the reserve fund is probably an astronomical figure!
"Your Majesty! With such a large amount of reserves, our costs are too high. I'm afraid it will be unsustainable!"
Zhu Gaoxu shook his head when he heard this, and patiently explained: "Xun Ru, you are mistaken."
"In other words, the silver standard itself is very fragile!"
