Banking is not a simple industry. Under the technical conditions of ancient times, many simple economic principles were not fully applicable.
For example, it is the matter of lending money to individuals.
If there are not enough constraints, how can we make people obedient and pay on time?
That's why Zhu Houzhao said that this is a combination of a bank and a pawn shop, and it requires a collateral. Because of this restriction, the poorest people will definitely not be able to borrow money at this time.
Let everyone in need be able to borrow money from banks, and the risk must be minimized. This is a dream that humans have worked hard for many years but has not yet fully realized. Even in modern society, banks still have bad debts. Rate.
Therefore, it is an unavoidable reality that the scope should be limited to a small 'property' group, and countless poorer people do not have such services.
No matter what, the idea always needs to be feasible first.
Because of the importance of banks, there is no room for subjective conjectures that ignore objective laws.
"Eunuch Liu... where is your Majesty?"
"Over there." Liu Jin turned sideways, and a small pavilion extending into the center of the lake appeared in his field of vision. In the pavilion, the emperor was talking to a minister. From a distance, he saw a red official robe. It seemed that the official position was not small.
After taking a closer look, I discovered that it was Liang Chu, the Minister of Civil Affairs.
After Wang Hao left the post of Minister of the Ministry of Personnel, Liang Chu, who was then the Minister of the Ministry of Personnel, took over this position.
Liang Chu had status among the literati and had seniority in the officialdom. After serving as a Beijing official for so many years, he could be regarded as getting ahead.
Although he was not a new-style official like Gu Zuo who was loved by the emperor, he was diligent and conscientious. After so many years of experience, he had no problem taking over as Minister of the Ministry of Personnel.
After Liang Chu left, Liu Jin took the people around him there.
"I am here to see you, Your Majesty!"
"Get back on your feet." Zhu Houzhao waved his hand, and Liu Jin retreated honestly.
Because there was a lake nearby, after Liu Jin retreated, no one around him could hear what the emperor and ministers said.
So this atmosphere is unusual.
"How many years have you been with me?"
"Replying to Your Majesty, I was in the Hanlin Academy and then in the Attendant's Room for nearly three years."
Zhu Houzhao was a handsome young man, with his fallen hair flying in the wind. He looked at Wang Xian who was kneeling on the ground and said: "It's been three years. What do you think is the core of my handling of government affairs? How can I summarize it? If I ask you to use only one word, .”
"I thought it was the common people."
"wrong."
Wang Xian frowned and felt nervous. He was originally very confident in his answer to this question, but he made a mistake as soon as he opened his mouth. This mistake doesn't matter, doesn't it mean that he spent three years by the emperor's side in vain? ?
So he pursed his lips, thought for a while, and said, "Your Majesty, I have an idea in mind, but I don't know if it's appropriate or not."
"You've finished talking."
"Yes. Weichen thinks that if it can be done, it will be done."
"If it can be done, it will be done?"
"Yes, His Majesty deals with many things and always asks if there is any solution."
"It's close." Zhu Houzhao smiled, "I'm telling you, but I don't know if you have heard of this word. It is called law. You can understand that many things in this world have rules, and sometimes human power If you can't do it, you can't do it. If you don't understand this, you will do many imaginary things. Economy is a very regular thing."
"I wonder what the economic laws Your Majesty refers to?"
"For example... no matter how the court controls it, there will definitely be borrowing by the private sector. Sometimes these things happen because there is no money to use, and sometimes they borrow money to expand operations. After the establishment of the Beijing Planning Department, they expanded very quickly. I It has been proposed to them to set up a bank whose core function would be to lend money, but also to deposit money."
Wang Xian immediately began to think, "When Your Majesty talks about saving money, he means a bank. He means letting people store their money here."
】
"yes."
"This way... I'm afraid that people won't believe it."
"So we need to build confidence. People who save money can get additional income, which is called interest. People who borrow money also have to pay back the principal and interest when they repay the money. You should understand this. The difference is that the total interest on borrowing money is It is greater than the interest on deposits, so that the bank can maintain it.”
"But... going around like this is putting people's money in the hands of banks. What's the use of competing with the people for profit?"
Zhu Houzhao opened his mouth and stopped talking some words.
There is still a difference whether he serves in the Shaofu or not.
"The so-called economy is the circulation of gold and silver. The faster and larger the circulation of gold and silver, the richer the business activities of the private sector. You can say that this kind of circulation is just going around, but only in this way can the people get income. . Just think about it this way, only those who have money are willing to spend the money in the cellar, then the poor will have the opportunity to earn his money, right?"
Wang Xian was thoughtful, cupped his hands and said, "Wei Chen understands."
"Your duty is to establish such an institution and lend money to the people so that they can build their own houses. By then, the capital will be full of vitality and everyone will be working hard for a better tomorrow. And the court will Make sure this kind of vitality continues. Do you understand this?"
"In addition, once the bank starts operating, it will control a large amount of money, and the level of its interest can affect the operation of the economy, so it must be done by someone I trust. I hope you will keep this in mind."
"Weichen understands that Weichen will never betray His Majesty's trust."
"I believe it, but... I suggest that you contact a few officials of the Young Master's Office. They know better what I am doing."
"Wei Chen takes orders."
At this time, the capital of the Ming Dynasty already had a population of 700,000-800,000, which was already quite large. Coupled with the gradual influx of people in the past two years, the capital's population of 800,000 should be sufficient.
Such a large urban population is a market in itself.
The imperial court continued to use various methods to activate the capital. In fact, the capital had changed a lot from before. In such an atmosphere, the wise people themselves were able to create different economic forms.
Even if we don’t talk about innovation, there are still new things coming in. For example, high-quality cloth from Jiangnan was transported to the capital on a larger scale by merchants. Due to the increase in population, grain shops affiliated to the Shaofu opened all over the streets and alleys. The Shaofu itself did not They did not grow food, so they went to the countryside near Beizhili to buy food.
And because more and more people are leaving the countryside, food prices have actually increased to a certain extent. The imperial court has not yet supervised this, and low grain prices will hurt farmers. Appropriate increases in grain prices are not entirely bad. Although the people in the capital will feel the increase in the cost of living, it will also make the people not give up their land so quickly. reason.
In addition, even the number of merchants in the Western Regions has begun to increase.
Even more extreme, slave trading has become more frequent.
Zhu Houzhao is considering adding another fire to it. He needs a demonstration effect. A perfect example of hard work, risk taking and then getting rich.
He chose a Tianran clothing store and a brush shop!
The ready-made clothing store is through the academy. The uniform clothing for the academy students is provided by this ready-made clothing store called Tianran. Thousands of clothes are available all year round, which suddenly makes the tailors in the capital raise their prices.
The brush shop purchases them through the palace for use in dozens of private schools that will be built soon.
Later, Zhang Chengtian publicized the fortune stories of these two owners in "Ming Pao". In this way, are you worried that the people's enthusiasm for doing business is not high? Not enthusiastic enough?
Even the girls in Song Heng's house started to get excited, thinking that it would be great if they could create something.
The younger sister of the Song family is named Song Yue. She is a bit quirky and not very honest. Plus, she knows Braille, so she reads the most interesting things in Ming Pao.
"The owner of the dyeing shop that day was obviously a man, and he was quite discerning when it came to making clothes. This time, the academy bought thousands of pieces of his clothes, and suddenly he made tens of thousands of taels of silver. I was really angry. It broke me."
Mrs. Song found it funny, "Why are you angry when people make money?"
"Oh, don't we always like to sew and make clothes when we have nothing to do? You see that you have done a lot for your brother-in-law, but no one knows that you can make so much money? Do you think we will lose? "
Mrs. Song still has needlework on hand, "What's the matter? You originally said that each family's clothes are made by themselves. Who would spend so much money to buy ready-made clothes?"
"So we all think so, and they make money. Now I understand that in this capital, there are many wealthy families who have good clothes, so they are willing to spend money. After buying the academy this time, I guess his family's All the clothes have to be snatched!”
The Song family's dancing is a bit cute.
Mrs. Song was smiling happily at the side, "The changes in the capital are really getting bigger day by day..."
