"His Majesty!"
Bi Ziyan raised his hand and said, "I have listened to the mutual market planning matter that your Majesty and Mr. Fan just discussed, and I have some initial thoughts."
“I plan to make a plan with the Ministry of Industry first and initially set a price based on the location of the shops in the mutual market, types of shops, profits, etc.
There are two types. One is drawing lots. The position you draw depends on luck. No one can say anything, and everyone can participate. This approach is fair, but it cannot guarantee the greatest benefit to the court;
The second is that the highest bidder wins. Although this can benefit the court to the greatest extent, I am worried that problems such as malicious competition and joint monopoly will occur. Small caravans and individuals will not be able to compete with overly large caravans at all. "
Having said this, Bi Ziyan lowered his head and thought for a while: "I have another consideration, which is to combine the two. Mutual trade is mutually beneficial to the people of the world, not just for large caravans.
Once the auction is held, small caravans will not even be eligible to participate, let alone compete.
I thought that the core areas should be auctioned at high prices, and the peripheral areas could be drawn by lot or auctioned, allowing only small caravans to participate.
It is much better for a hundred flowers to bloom than for one family to dominate. Both buyers and sellers have more choices. "
"It's a feasible solution!"
Chongzhen touched his chin and then asked: "Now it is only the first phase of planning. With the development of the mutual market, the second and third phases will be developed in the future. By then the edge of the first phase will be the core. Have you thought about this issue?"
"this……"
Bi Ziyan was also stunned, and then said in a deep voice: "Your Majesty, please give me instructions!"
"My idea is to leave 10% of the lot in the hands of Chama Si, auction the rest, and rent out the rest to give retail investors or small caravans a chance.
At the same time, we need to give businessmen a guarantee to develop the second and third phases within three years or within a few years. If they fail to do so, we will refund their money, which will give them peace of mind. It will also give your Ministry of Finance some pressure and motivation.
In view of this guarantee, there is no need for differences in the prices of shops within a period, and the price will be unified. "
"I will arrange for a person to assist you in the management of the mutual market shops and the design of the system. He will return to Beijing in a while!"
"Your Majesty, Holy Might!"
Bi Ziyan's face was full of surprise. The emperor was actually more proficient in business than him, who had been engaged in finance all his life.
"That's it for the investment promotion. I still have one more thing I need you to do!"
Before Bi Ziyan could say anything, Chongzhen asked: "In the past three years since I came to the throne, there must have been a large number of antiques, calligraphy and paintings, rare jades and antiques confiscated from the warehouse!"
"Your Majesty means that while wealthy businessmen are gathering, the Ministry of Household Affairs will organize an official sale?"
Chongzhen's eyes were full of approval. It was a pleasure to talk to smart people, and everything was easy to understand.
But he still shook his head slightly: "No, it's a charity sale, to be precise, it's a charity sale organized by the government!
Shaanxi drought, Liaodong reconstruction, the official road from Beijing to Ningyuan must be repaired! "
"Your Majesty, Holy Might!"
Listening to the emperor's words, Bi Ziyan shouted in praise, his eyes full of admiration.
The so-called official sale is an auction hosted by the government, and the objects of the auction are part of the confiscated official's property, some of the implicated relatives, and the bought-out slaves, etc.;
The so-called charity sale is an auction hosted by the private sector, covering almost everything from real estate to antiques, calligraphy and paintings, daily necessities, etc., with the purpose of providing disaster relief.
If it is an official sale, these wealthy businessmen will definitely buy it, but anyone with a discerning eye knows that a large part of it is bought for the sake of the royal family and the opportunity to win mutual markets.
But if it is a charity sale, that is another matter. Rich businessmen provide money to help the people, which is a good deed.
As soon as the edict came out, the people were grateful to the court and grateful to the wealthy businessmen, killing two birds with one stone.
It is impossible to keep those antique calligraphy and paintings in the warehouse very carefully. Instead of waiting until they are damaged during the grand auction in a few years, it is better to sell them now and get some money.
"You go and select some medium-to-high-end, higher-quality jades, antiques, calligraphy and paintings, fur accessories, etc. for auction.
Then select some middle- and lower-quality ones and place them around the investment conference site, marking the price half a percent lower than the market price. If they like it, they will buy it, and if they don’t like it, they will do whatever they want. "
"I understand!"
Bi Ziyan said with a smile: "I am here in the capital. The Chinese New Year is coming soon. It would be unreasonable not to bring some gifts for my family back home. Especially the ones produced by Taikuang. They must be high-quality products and the quality can be trusted!"
"Eh... what you said reminds me that everything I take out should be carefully appraised. Don't come up with something fake. It will be a disgrace to the court!"
"I obey the decree!"
After explaining some more precautions, Bi Ziyan left.
In Dongnuan Pavilion, Chongzhen rubbed his swollen temples, closed his eyes and rested for a while, then sat up straight and wrote the words "Commercial Bank" with a pen.
Then he fell into thinking.
With the complete opening of the mutual market and the liberalization of commercial activities in the future, banks will have a necessary existence.
The Ming Dynasty also had banks, banks, and money shops. The money shops originated during the Zhengtong period of the Ming Dynasty. The Ming Dynasty's banknotes devalued and the court relaxed the ban on silver, and silver coins began to circulate openly.
However, due to the complexity of private money and the different weights and fineness of copper coins, the price difference between made money, private money, and white money is large. In addition, during the Jiajing period, a large-scale casting furnace was opened, and there were many types of coins. Selling copper coins, privately casting and melting Very much.
As a result, a financial organization specializing in the exchange of copper coins appeared, called a money shop. After that, it was closed and opened several times. In the fifth year of Wanli, the court reopened it, and the money shop became legal.
But the damn thing happened. These money shops are extremely unprofessional. They not only do money exchange, but also run other businesses. For example, Jiujiang Bank also operates things similar to lottery tickets, Leping Bank also operates a cloth shop, and some sell rice.
The most important thing is that there is no interest on merchants' deposits, but banks lend money to the people at extremely high interest rates, and most of them are local in nature. They are fine within a radius of one or two hundred miles, and only a few of them are spread over one or two provinces.
And because they are all private in nature and mostly rely on the reputation of the shopkeeper, there are huge hidden dangers.
The bank that Chongzhen wanted to open was endorsed by the imperial court and was responsible for the exchange of silver for large transactions in advance. With a ticket number, money could be withdrawn in all capitals of the Ming Dynasty.
For example, when a caravan from Suzhou goes to the Ningyuan Mutual Market to trade, they don’t need to bring any money with them. They can directly withdraw money from Ningyuan Bank with the ticket number.
Or the money earned from selling goods in Ningyuan can be deposited directly into Ningyuan Bank, and then go to Suzhou Bank to withdraw cash with the ticket number.
More importantly, there is no need to send the stub from Suzhou to Ningyuan first, and then give the money after verification.
There are many anti-counterfeiting methods now, such as banknote paper, ink color, seam seal, micro-engraving technology, secret stamping, etc.
Chongzhen recalled the current anti-counterfeiting methods of major banks and carefully considered the plan of Daming Bank.
