Wanli Xinming

Chapter 368 Bank
Zhang Siwei, who lived in the 14th year of Wanli, was rested for more than half a month due to cold air invading his lungs after the beginning of spring, severe cough and fever.

The prime minister was in poor health, and Zhu Yijun insisted on "not crossing the line" for more than half a year. It is inevitable that the work content in charge of the deputy minister will invade the powers of other ministries.

Zhang Siwei is in his sixtieth year and has already lived past the age of the original time and space.However, his father died of illness three years ago, followed by two younger brothers and stepmother Hu Shi successively died of illness. The back and forth to mourning caused great harm to Zhang Siwei's body.

Although he did not need to abide by the system because of filial piety because of the great reform, there were also many conservative ministers who secretly persuaded him to abide by the system on the grounds that he was ill, and Zhang Siwei took some pressure; on the other hand, because of Zhu Yijun's protection of the "Chu Party", the Zhang Siwei was tied up in the cabinet.Although he positioned himself as a "church minister", he could often see that Zhu Yijun was not satisfied with him.

Seeing that the Wei Dynasty came to pass the decree, Zhang Siwei, although he knew it was useless, still asked the emperor of the Wei Dynasty what the summons was.Sure enough, Wei Chao said with a stern face, "My servant doesn't know."

Although Zhang Siwei was a little angry in his heart, Wei Chao had no desire to be firm, and he would not let go. Although he was the prime minister, there was nothing he could do.He had no choice but to smile and say, "Eunuch Wei, please go back and reply to the decree, and I'll go there right away."

When Wei Chao returned, Zhang Siwei changed his clothes while thinking about the reason for the emperor's summoning.This year’s major events at home and abroad, first, the emperor intends to reform the political system; second, the canonization of various countries; third, financial reform; fourth, the continuous advancement of water conservancy projects;

Zhang Siwei directly guessed that something was going on in Shanxi because Liang Wenmeng had sent a letter to inform him that the matter entrusted by his brother Zhang Sixiang had been completed, and that Hesheng Yuan Bank, founded by the great Jia Wang Quan, had obtained an agent to act as a political envoy in Shanxi. Although the business qualification of Siqian Grain Storage is not as large as that of ICBC, the most important thing is to be able to enter this circle.

At the end of October last year, after more than two months of research, the Great Court passed the "Huangming Financial Management Regulations" (interim), "Administrative Measures for the Issuance of Financial Licenses" (trial), "Administrative Measures for Deposit and Loan Reserve Funds of Civil and Commercial Banks" (trial) and a series of financial regulations.

A series of laws and regulations have incorporated many financial businesses such as bank, ticket number, pawn, etc. that grow wildly into the management regulations, and the Huangming Central Bank has been established in the Ministry of Households, which is responsible for supervising the national financial industry, responsible for minting and issuing coins, and responsible for distribution. Commercial bank license and implement supervision and inspection.

At the same time, the original "Daming Jingshi Bank" and "Nanjing Bank" merged to become "Daming Industrial and Commercial Bank", which was brought under the management of the central bank of the household department, and still had to pay a large amount of reserves to the central bank.The Ministry of Internal Affairs actually paid 600 million taels, which is said to account for [-]% of ICBC's total deposits.

Banks owned by the royal family are still under the supervision of the Ministry of Accounts. Regardless of whether they are pretending or not, this gesture surpasses Zhu Yijun's [-] words of encouragement to industry and commerce.

But Zhang Siwei, who knew the inside story, knew that the emperor had taken advantage of it.Before the reform, there was no such new thing as a bank in the imperial court. The two major banks, Jingshi and Nanjing, established by the Royal Industry and Commerce Group, were tacitly regarded by officials as the imperial court. Their birth and development naturally dipped in the light of the imperial court—the salaries of the capital and officials from all over the country were distributed. All the money business related to official business, such as the transfer of money and salaries for the garrisoned troops in various places, are placed in the two major banks.

As a result, when the management policy was introduced, the royal family took out the share capital structure of the two major banks - the royal family accounted for [-]%, the royal family accounted for [-]%, the nobles accounted for [-]%, and the remaining half was actually owned by large private merchants. , Anyway, it has nothing to do with the imperial court.Except that its major shareholder is the royal family, it is no different from a privately established bank.

From the cabinet to the officials of the capital, the emperor could not pick out the fault of the emperor. Was there no such thing as a bank before?But the ministers who have come to think about it are tempted - the royal family can do it, why can't my family do it?Zhang Siwei immediately wrote to his fourth younger brother, Zhang Sixiang, and asked him to organize Shanxi merchants to set up a bank: This is the big business heirloom!

Zhang Sixiang, as the fourth younger brother of the Prime Minister, stands behind the scenes and cooperates vertically and horizontally.Standing in front of the stage was Wang Chonggu's nephew Wang Quan - the one who had Zhang Siwei messing with Wang Guoguang overturning his car and delivering a letter to the capital for Wang Chonggu.

In less than half a year, Heshengyuan, a combination of power and commerce, was born with a total share capital of 600 million. Together with the newly established Huaiyang Bank, Zhili Bank, Liangguang Bank, and Dongyu Bank, it is also known as the "Five Big Banks". ", and the capital ranks first among the five major banks.

The speed of the birth of big banks exceeded Zhu Yijun's most optimistic estimates: after the Imperial Conference in August last year, the speed of capital integration across the country has been carried out at the speed of light - the Guangbao Trading Company of the Ministry of Education has earned all the money of the year in just half a year. Investment has now extended its tentacles to Foshan.

In addition to the five tens of millions of banks, millions of banks have sprung up in major cities, and there are more than 10 banks in the country-banks with a deposit of [-] yuan do not apply for a license, because every The application fee for a license is more than [-] taels.

The court is to use high licensing fees to squeeze small capital out of the financial market, making it clear that businessmen who do not have a lot of capital should not get involved in this business - lest the court clean up the mess after bankruptcy.

Zhang Siwei sat in the political hall for two people, and after entering the palace, he kept thinking about the reason for the emperor's summons - as expected, it was probably a matter of financial reform.Although his younger brother Zhang Sixiang was standing behind Heshengyuan, it was impossible for such a large-scale emperor not to pay attention.If the emperor asked, what should he say?

In his opinion, today's major banks in the world are staking their horses like a spring tide, and the state of competition during this period is no less than a battle.And who can stand at the forefront of the tide, which one does not stand behind the big forces?It's normal and normal for me to put a foot in it.

Behind the Industrial and Commercial Bank stood the emperor, who had already passed the Ming Road.Behind Huaiyang Bank is the Salt Merchant Consortium, and the two British public brothers are the general back office; behind Zhili Bank is the Northern Industrial and Mining Consortium, and behind it stands Zhang Jing; The family stood at the front, the Luo Wanhua in the cabinet and the Wang family of Zhongxing County in the back; only the Dongyu Bank was a bit more mysterious, and the shadows behind it could not be seen clearly-Wang Guoguang and Ling Yunyi were very close, maybe It's just a trick the two of them came up with.

The world is as black as a crow!Since the emperor first opened the precedent for the royal family to do business, the royal family, nobles and important officials have been jealous for a long time.It's just that each family has no capital, no technology, and no emperor's management methods. They can only stand on the side and drool, and attach themselves to the royal family's industrial and commercial complex by providing raw materials and rough processing of products.

After the clan reform, the emperor relied on Gewu to obtain a technological monopoly before letting go of a big hole.The establishment of the Patent Office enables various production technologies to be bought with money.Since the first year of Wanli, the major capitals who have been watching the pig run have finally had the opportunity to go into the sea to fight in person - the booming industry and mining industry and the banking industry are booming, and they have their own reasons.

Contrary to Zhang Siwei's expectations, the first thing the emperor asked after summoning him was not financial matters.After the emperor on the Hall of Mental Cultivation was seated, the emperor asked, "Mr. Fengpan, Shanxi has been devastated by disasters, and many homes have been destroyed and mergers are rampant. What are the regulations of the Political Affairs Hall in this matter?"

(End of this chapter)