"This official bank account is a good deal! Now Guangdong and Fujian have to accept the business issued by the court. They need to rent or buy government-owned properties in Guangzhou, Chaozhou, Quanzhou, Zhangzhou, Foshan, and Macao. To open a decent business in such a big city, whether you want to transport something over long distances, or do import and export business, or even serve as a soldier or an official... you must first open an account with an official bank. The money from the official family will be distributed through the official bank account, and the taxes, rents, or bank payments that merchants have to pay for properties must also be paid through the official bank account!
In addition, official bank accounts also engage in activities such as attracting deposits, lending money, transferring money, exchanging money, issuing banknotes, selling debt notes, and interbank lending.
In short, if you want to continue doing business in the future, or become an official, or buy official land to collect rent, you will have to open an account with an official bank... If your family owns a bank or a pawn shop, then It is even more necessary to open an account with the official bank account. In this way, peers can communicate with each other and adjust positions! "
The one who is talking eloquently is, of course, Zhu Shengren in yellow clothes and yellow scarves... But the words he is saying at this moment do not sound like a saint, but more like an evil financial capitalist!
Of course, it was not Zhu Heji's original intention to become an evil financial capitalist, but he had to do it... Although he was just a top student doing high-level imitation and was not a professional financial person, he was still a little bit Understand finance. After all, private finance in Chaoshan is very developed!
Moreover, he also experienced an era when the financial industry was highly developed, financial capital could legally rob honest businessmen like him, and various online currencies were created.
He knows the power of finance very well!
And he also knows that the reason why imperialism can rise is not only the money-grabbing business of zero-yuan purchase, but also the financial business developed together with zero-yuan purchase.
One is robbing money, the other is changing money... put the two together, and capitalism will of course rise.
On the other hand, in China, money-grabbing zero-yuan purchases are not allowed, nor do they work well. The money-changing financial industry was destroyed twice due to two catastrophic disasters at the turn of the Song and Yuan Dynasties and the replacement of the Ming and Qing Dynasties, and had to start from scratch twice.
Therefore, during the Opium War era, the development of China's financial industry was far less than that of the Song Dynasty, or even that of little Japan next door.
Without a developed financial industry, capitalism would naturally not be able to develop, and the Westernization Movement turned into a foreign debt movement...
Now Zhu Heji's new Ming Dynasty does not lack industrial capitalists. Most of the world's porcelain, sugar, silk, and tea are produced on his territory. Guangdong also has a developed iron smelting industry, perfume and pharmaceutical industries. Two major industries have also developed under Zhu Heji's personal promotion-these two industries are actually the same thing, and the core technologies are extraction in organic chemistry.
In fact, there is large-scale wage labor in these industries. Production is also for sales, and currency is used as a medium of exchange. There are also capitalists (big businessmen) organizing production and operations in order to obtain profits. They have everything that capitalism should have in the textbook!
In Zhu Heji's view, the reason why China's capitalism sprouted and then died was because there was no saint like him to lead it!
"Jian Guo, the grassroots surnamed Zhang, known as Zhang Wanwan, is a silk merchant in Suzhou." A chubby businessman with a friendly face stood up and spoke at this time, "The grassroots family has been involved in Suzhou weaving for generations... ...After the common people returned home, they deposited all their money into the official bank account!"
Zhu Heji smiled, and then looked at Zhang Wanwan with a somewhat frightening look. Suzhou Weaving was an imperial merchant. Not only did it exist in the Ming Dynasty, but it also existed in the Qing Dynasty. It was also an imperial merchant in charge of the Ministry of Internal Affairs!
If this million dollar bill is sent to Jinyiwei Prison for a thorough investigation, hehe...
Zhang Wanwan felt a little trembling in his calves when Zhu Heji looked at him like this. Although he contributed 100,000 taels of silver to "rescue Zhu Yuanzhang", in order to please Kangxi and prevent Kangxi from slaughtering Suzhou again when he ran away, he also took the lead and led the Suzhou gentry and wealthy merchants to sponsor Kangxi with 100,000 taels of silver. Plus 100,000 pounds of sugar.
Of course he didn't know that white sugar could be used to make thunder. He just heard from Suzhou Weaving officials that "banner people love sweets the most and are worried that there will be no sugar to eat after the North retreats." So he spent 10,000 taels of silver to buy 100,000 kilograms of fine quality. It was so white that I gave it to Kangxi to eat on the way... giving it to Kangxi to eat candies was also a way of endearing himself to the enemy!
Just when cold sweat broke out on Zhang Wanwan's forehead, Zhu Heji suddenly spoke: "Zhang Wanwan, I heard that silk could be used as currency in early years?"
"Yes, yes," Zhang Baiwan breathed out and replied with a smile, "Reporting to the prison state, there is a saying in the Han Dynasty's "Shuowen Jiezi" that 'goods means wealth; coins means silk'. .....But since silver has flowed into China in large quantities, silk is no longer regarded as currency. After all, it is more convenient to buy things with silver than with silk."
In fact, it was not very convenient to use silver. In the Ming and Qing Dynasties, the financial industry was underdeveloped, and the court never thought of minting silver coins. Therefore, ordinary people could only trade with silver bars, because silver bars came in different sizes and had to be cut and smelted during transactions.
Therefore, Zhu Heji has been asking the Dongyin Coin Factory to mint silver coins in the past two years, preparing to abolish the two reforms after swallowing Jiangnan. The reason why he wants to do it after seizing Jiangnan is because the abolition of the two reforms now is actually in progress. A currency war!
Without the support of bulk trade goods such as silk, porcelain, and tea from Jiangnan (including Jiangxi), Zhu Heji would not have been able to replace silver bullion with silver dollars issued by Dongyin Coin Factory and become an international currency.
Once Zhu Heji turns the Dongchang silver dollar into an international currency, Ming's financial capital will have the ability to control the world's currency.
To achieve this, Zhu Heji needed to link bulk commodities such as silk, porcelain, tea, sugar, cotton yarn, etc. to the silver dollar to create an effect similar to that of petrodollars.
In this way, the silver standard can defeat the gold standard, and China, which has the most silver in the world and is also the world's largest commodity exporter, will naturally dominate the world's monetary system!
"How much does a pound of white silk from Jiangnan cost now?" Zhu Heji asked again.
"Eight to nine cents of silver per catty," Zhang Baiwan said. "It's cheaper. You can also buy it for seven cents of silver..." He sighed again, "Since the Qing Yao massacred Jiangnan, , the production of raw silk has dropped sharply, and the price of silk has doubled!"
Zhu Heji nodded silently and asked: "Is there a trading place that can set a fair price for Baisi?"
He's thinking about the exchange again.
If you want to link raw silk with silver dollars, there needs to be an exchange to promote this!
In addition, sugar, tea, rice, flour, cotton yarn, and even Foshan crucible steel can all be priced through the exchange.
If these things are linked to the silver dollar and use the silver dollar as the medium of transaction, then the status of the Ming Dynasty silver dollar will have a foundation.
Thinking of this, Zhu Heji said to Zhang Wanwan: "Zhang Wanwan, go back and summon the big businessmen in Suzhou Weaving to have a meeting in Nanjing.
The Gu family will also ask the big silk merchants and big machine operators from Jiangning Weaving and Hangzhou Weaving to come to Nanjing to discuss how to run this trading place.
In addition, we can also gather the wisdom of everyone to open a silk cloth school, and study together how to raise silkworms, how to grow cotton, how to reel silk, how to spin yarn, how to weave cloth, how to dye... Jiangnan Silk and cotton have a lot to offer! "
There are so many things that can be done in the textile industry!
Moreover, the textile industry is still a labor-intensive industry. Once it develops, it will require a large amount of labor.
Today's China has a small population. Zhu Heji is a land of "half Beijing and four provinces" with a maximum of more than 20 million people. If the textile industry really takes off, it will definitely encounter the problem of labor shortage.
Only when there is a shortage of labor will the machine industry have a chance to develop!
The industrial revolution will come!
Otherwise, the cost of using machines is higher than using labor. How can machines be developed?
