Time flies and comes to the third year of Tianqi.
In Liaodong, Sun Chengzong started his own city-building plan and army training plan. Dozens of solid fortresses were densely built along the Daling River.
Mao Wenlong and Su Polu continued to look for trouble in Jiannu's territory.
Especially Su Polu, without the support of the military, only relied on the secret help of Emperor Tianqi and Zhu Youjian.
Combined with the guerrilla warfare strategy of later generations, "when the enemy advances, we retreat; when the enemy is stationed, we harass; when the enemy is tired, we attack; when the enemy retreats, we pursue". He forced Jiannu from Fuzhou to exhaustion.
Although they did not kill many enemies, they did develop rapidly. In just 2 months, they destroyed Jiannu, dozens of small strongholds, and rescued more than 3,000 Liao people.
They also formed a well-equipped infantry and cavalry squad of 100 who dared to confront Jiannu head-on.
Although the Jiannu of Fuzhou tried to eliminate this infantry and cavalry many times, they all failed.
Later, he even used the sexual names of Liao people to force Su Polu to surrender. However, in the end, Su Polu had to stop this method in revenge when all the slave builders, old and young, were slaughtered by Su Polu.
.....
For the Qiming Chamber of Commerce, the official dividend distribution for the first year has begun. After several days of round-the-clock reconciliation, Qiming Chamber of Commerce’s profits last year were finally calculated.
You don't know it by looking at it, but you are shocked when you see it. After deducting taxes and expenses, the profit is actually 100,000 taels.
You must know that Zhu Youjian was ruthless in order to buy shops, store grain and build ships this year. It was beyond Zhu Youjian's expectation that he could still make a profit of 100,000 taels.
But for various reasons. Zhu Youjian now only has about 30,000 taels in his hands.
In order to prevent Wei Zhongxian from not doing things well.
Zhu Youjian could only ask Wang Chengen to send 10,000 taels to Wei Zhongxian.
He personally sent the IOUs of 10,000 taels of silver and 40,000 taels to Emperor Tianqi, and by the way, he also asked for 200 little eunuchs who could settle accounts from Emperor Tianqi.
After these eunuchs underwent simple training, they were thrown by Zhu Youjian to the newly opened Qiming Bank for internship.
Qiming Bank is the most important link in Zhu Youjian's money and grain plan.
This year, according to the intelligence collected by Dongchang and his subordinates, there was a big flaw in Ming's money circulation system.
That is, there is no institution for off-site exchange.
The flow of large amounts of silver often requires huge risks and transportation costs.
This is what Zhu Youjian values. Now Qiming Chamber of Commerce has set up stores in various northern prefectures and individual prefectures in the south. After such a long period of operation, it has initially gained the trust of local people.
It has the mass base to open a chain bank.
In addition, Zhu Youjian discovered that the Qiming Chamber of Commerce's cost of transporting silver was increasing, so the establishment of a chain bank bank was imminent.
According to Zhu Youjian's plan, within the next five years, Qiming Banks will be spread throughout every prefecture and county in the Ming Dynasty.
Then it’s time to really count the money.
The huge profits in the banking industry will be known to future generations as long as they are individuals.
However, before the bank is established, there is still a huge problem that needs to be solved, and that is anti-counterfeiting.
As we all know, since the birth of currency, the battle between real and fake currencies has never ended.
During the metal currency period, there was a saying that bad money drove out good money.
Since the birth of "Jiaozi" in the Song Dynasty, even strict control of raw materials, the use of multi-color printing technology, encryption technology and anti-counterfeiting seal technology, coupled with the death penalty, have been difficult to eliminate counterfeiting.
Under normal circumstances, these banks will choose to frequently change the secret key to prevent fraud, making it difficult for counterfeiters to keep up with the speed of updates.
But this method is indeed difficult to implement for Zhu Youjian.
Zhu Youjian's goal is to exchange in other places, which requires that changing the secret key is too time-consuming and laborious, so the anti-counterfeiting of this kind of banknote must be far better than other banknotes.
Zhu Youjian handed over this kind of brain-intensive matter to Wang Chengen and let everyone brainstorm.
Of course, there will be no shortage of rewards.
After everyone's brainstorming, the plan for the banknote was soon made.
First of all, in terms of banknotes, currently only 1,000 taels and 10,000 taels are issued.
In terms of paper selection, "chupi" is used for production.
The templates were made by skilled craftsmen in the palace.
Printing uses 3-color printing.
Each banknote has a corresponding code.
After the customer exchanges the silver for the banknote, a banknote will be made in front of the customer...
If a customer chooses to withdraw money from another place, they must report 2 months in advance. "
The problem of anti-counterfeiting was solved, and after the eunuchs conducted simple training, Qiming Bank Beijing Branch officially opened.
In order to attract people to save money, Qiming Bank first adopted an interest system. plus grain price stabilization law
All those who save money at Qiming Bank no longer pay custody fees, but instead pay interest.
The grain price stabilization method means that all customers who deposit money at Qiming Bank have the right to purchase grain with silver.
This point mainly targets the taxation of the Ming Dynasty.
The official land tax collected by the Ming Dynasty was divided into two seasons, called summer tax and autumn grain tax.
The collection of summer taxes generally ends in August-September of that year.
The collection of autumn grain generally ends in February-March of the following year.
Other miscellaneous taxes in the Ming Dynasty were mostly collected together with land taxes.
Tianqi Dynasty's tax policy still implemented a whip method.
Although many of Zhang Juzheng's reform provisions were repealed after Zhang Juzheng's death, the whip law was still popular across the country and became the imperial court's standard tax policy.
The most obvious sign of the One Whip Law is that no more physical goods will be collected, and all tax burdens will be converted into money and collected.
The whipping method gradually changed its taste during the implementation process. I don't know when the tax collectors only accepted taxes to be paid in silver.
However, ordinary farmers have no money at home, so they have to sell grain at a low price in order to exchange for money during tax season.
What’s even more despicable is that large grain collectors often deliberately use only copper coins to collect grain.
The grain was sold at low prices in exchange for copper coins, but the court collected taxes but did not accept copper coins.
With no other choice, the farmers had to find another place to exchange their copper coins for silver, which exposed them to yet another form of exploitation.
During the tax season, controlling the exchange ratio of silver and copper coins is how many shops make money.
But who is Zhu Youjian? He comes from later generations. He knows that a large part of the reason for the peasant uprising in the late Ming Dynasty was that the people were being squeezed to a great extent, and it would be impossible not to rebel.
In this case, how could Zhu Youjian allow those people to continue to exploit the people through this method?
As for the money issue, Zhu Youjian was not concerned about it at all. He planned to ask his eldest brother to let Daming's tax revenue go to Qiming Bank.
In this way, only a small amount of money is needed to solve the tax problem.
And the imperial court can save a lot of transportation costs, and it can also reduce the burden on the people. Isn't it the best of all three worlds?
As for those who make money without knowing it, I will be offended if I offend them. What else can they do to me?
