Liu Zheng laughed.
I spent so much effort! Finally got to the idea!
It’s not easy!
From being humiliated and ridiculed before to being convinced now, Liu Zheng really spent a lot of effort to get King Jin to listen to his plan.
but.
value!
Very worth it!
Looking at King Jin's attitude towards him now, he has treated him like a master. Doesn't that mean he can just say what he says?
certainly.
Liu Zheng is not that irresponsible.
He has his own approach to coal development in Jinzhou.
He took advantage of the situation and quickly took out the plan and a large number of files he had prepared.
This shocked King Jin.
Master Liu!
Master Liu has actually done so much hard work for the development of Jinzhou!
move!
Tears of gratitude!
He held these files solemnly with his hands, treating them like treasures, with slightly red eyes.
"Prince Jin can watch and listen to Liu Zheng's introduction."
Liu Zheng took a sip of tea.
King Jin nodded frequently, carefully spread out the files, and picked them up one by one, as if he were a primary school student listening to a lecture. Although it was funny, it made people feel that he really wanted Jinzhou to develop sustainably. of. The love for the people is admirable.
Plan.
It was written by Liu Zheng with great care, so he naturally knew its content, and he began to talk eloquently: "Liu Zheng believes that Jinzhou's current positioning is ambiguous and its industrial structure is deformed. This is a problem we urgently need to solve. A vassal state, industry, manufacturing The lack of industry will become the biggest hidden danger in the future. Therefore, the king of Jin will give macro-control to resource utilization, capital flow, external demand and domestic demand, and trade surplus!"
"The content of the control should be as follows:..."
1. Reduce taxes, attract investment, and introduce the cloth workshops from Jiangnan to Jinzhou. Of course, we cannot let go of some small workshops. On the one hand, resources are introduced, and on the other hand, products are exported. In addition, it is necessary to strengthen the branding of Jinzhou, spend heavily to encourage private invention and creation, and transform some equipment. In the past traditional manufacturing industry, it has carved a bloody path. Liu Zheng followed the development pattern of the Japanese country in his previous life. Japan also lacked many resources. However, the input of resources and the output of products made them the third most developed country in the world in terms of technology, especially in that era when copyrights were protected globally.
2. Develop local resources, focusing on coal, gold mines, silver mines, bauxite mines, iron ores, etc... But while developing, we must also pay attention to environmental protection. Regarding the imperial court's "coal sales restriction order", Liu Zheng will find a way. Frankly speaking, Jinzhou has no shortage of resources in this area, so moderate development will naturally attract more people to invest and build factories in Jinzhou. This is what Liu Zheng wants.
Third, there is nothing to say about promoting sports competitions.
Fourth, and the most important point! Open a bank!
"bank?"
King Jin and others were confused when they heard this.
"What does this bank mean?"
King Jin knew this.
Liu Zheng laughed and said: "It's not a simple ticket number!"
In fact, in ancient China, there were many prototypes of banks. For example, ticket number, such as bank. But their business mainly focuses on the preservation of arrears, currency exchange, and remittance business.
Speaking of which, why did Liu Zheng have this idea?
Very simple.
Because of the prosperity of Shanxi merchants, this bank account in Jinzhou is now the largest bank account in the Longyan Dynasty! Even the Liangzhou ticket number cannot compare. Jinzhou Bank, also known as Exchange Bank or Bank Bank, is a financial credit institution. At first, it mainly engaged in exchange business, and later also conducted deposit and other services.
But at this stage, they haven’t started lending yet! Why?
Because of the system of the Longyan Dynasty, the development of Jinzhou Ticket Shops was greatly restricted.
In the previous life, the Jinzhou ticket number was generated due to a series of historical reasons.
First, the development of the social commodity economy has put forward new requirements for currency and finance.
In China's feudal social economy, after the middle of the Ming Dynasty, due to the improvement of social productivity and the stimulation of the inflow of foreign silver, the commodity currency economy developed significantly. This development continued into the early Qing Dynasty, especially during the Kangxi and Qianlong periods, when domestic politics became stable, agricultural production developed, and the commodity currency economy became more active than before.
With the expansion of the domestic market, not only many local markets have emerged, but also a large national market is gradually taking shape. Liu Xianting of the Qing Dynasty said: "There are four gatherings in the world, the capital in the north, Foshan in the south, Suzhou in the east, and Hankou in the west. However, on the coast of the East China Sea, beyond Suzhou, there are Wuhu, Yangzhou, Jiangning, and Hangzhou to divide their power. In the west, the Wei-Han mouth and ears are spoken."
The development of the commodity economy opened up a broad circulation range for the transformation of commodities, which naturally put forward new requirements for currency and finance, prompting feudal financial institutions to begin to break through the scope of simple exchange and gradually transition to the credit stage. On the other hand, the development of inter-port trade has expanded the scope of commodity circulation, and new problems such as debt settlement and cash balance in different regions have arisen, which requires specialization in exchange.
Secondly, the social commodity currency economy has developed, providing certain conditions for the development of the financial industry. The widespread use of silver coins roughly started from the collection of gold and silver in land tax during the orthodox period of Yingzong in the Ming Dynasty (1436--1449). During the Wanli period (1573--1620), a reform was implemented to stipulate the land tax, corvee, tribute, and tribute paid to the government. The handymen, etc. were all incorporated into the acres according to a certain proportion of the land per person, and were expropriated in exchange for silver.
This tax reform is a major progress in Chinese history from the feudal labor economy to the monetary economy. However, due to the deepening of social crisis and the restriction of the popularization of currency use by objective conditions, one reform was not fully implemented. In the early Qing Dynasty, it was stipulated that both silver and rice should be collected from taxes and levies. Later, except for part of the cleared grain, almost all silver and rice were collected. After the 17th century, the Qing Dynasty used silver to collect taxes and pay salaries. There are also new developments in monetary rent.
We know that the transformation from product rent to monetary rent requires a relatively significant development of commerce, urban industry, general commodity production and currency circulation. This transformation also presupposes that the product has a market price and is sold more or less close to its own value. Moreover, this transformation cannot be realized without a certain degree of development of social labor productivity.
The emergence of the above monetary land rent fully reflects the development of the social monetary economy on the basis of the past. In addition, as commodity currency exchanges become increasingly frequent, in order to facilitate exchanges, in addition to silver, people also use money and banknotes in some places.
The transportation methods are lagging behind, it is inconvenient to transport gold and silver, and there have been many thieves in the Longyan Dynasty in recent years.
Under these circumstances and historical reasons.
The Jinzhou ticket number came into being with a lot of money in hand.
but……
There is a but.
Because this world has not experienced other dynasties. The institutional problems of the Longyan Dynasty greatly restricted the development of ticket accounts. There are many vassal kings, and there is a lack of trust between bank accounts and banks. Therefore, even though the sprouts of capitalism have begun to appear in the Jinzhou territory, the entire Longyan is still crawling with the ancient feudal inheritance.
This situation resulted.
No matter how the ticket number develops, the ticket number only has an exchange function and does not have a currency function!
The different profit methods are also the biggest difference between bank accounts and banks!
Banks absorb deposits and issue loans, and profits come from interest differences.
The main profit in the early days of the ticket number still came from the handling fee in the exchange and the difference in the exchange.
In terms of deposits, the funds in the bank account came from futures exchanges, payments from the Qing government, and the illegal income of officials.
Bank funds mainly come from private idle funds. For deposits, banks have much stronger control than bill numbers. Historically, the decline of ticket numbers started with a decree from the Ministry of Household Affairs. After we decided not to use private bill accounts for payment, the cash flow of the bill accounts was cut off. As a result, many ticket companies took desperate risks, participated in speculation, and ended up dead.
In terms of loans, bank loans are provided to banks at high interest rates based on their credit, which is essentially short-term lending. The bank takes the path of mortgage lending. The nature, scale, and risk resistance capabilities of the two are completely different.
In terms of organizational structure, although there are many rules for ticket numbers, they rely on the feudal system. The boss and the chief shopkeeper are basically the relationship between the emperor and the prime minister, and the court. But the ontology does belong to the private sector...
Banks are commercial systems that rely on contracts to check and balance each other. Although they develop slowly, they are more stable. They are enterprises. But the main body is dependent on the national government and belongs to the government!
The plan for the establishment of the bank is a very long file.
Liu Zheng was not in a hurry and waited for a few people to take a look.
King Yong and King Wei both looked at it curiously.
time.
It goes by little by little.
The more I look.
These people are more surprised.
Especially Prince Jin, who looked up at Liu Zheng in shock: "Master Liu means... we help people keep their money, and we also need to give them... interest?"
King Wei and King Yong were also confused.
How can you play like this!
Doesn’t this mean losing money?
