The eldest grandson of Emperor Ming Dynasty!

"Da Sun, have you thought about doing this?"

Zhu Yuanzhang gently put down Xiao Wencheng, and Jiang Yu who was next to him immediately came over to take over.

Xiao Wen Cheng, who will soon be three years old, should be closer to He He and the eunuch.

However, in fact, Xiao Wencheng prefers to play with guards like Jiang Yu.

Zhu Ying watched Xiao Wencheng and Jiang Yu walking away with a smile, nodded and said, "Grandpa, this is something I have always wanted to do before, and I understand that this will indeed bring some turmoil to Daming."

"But now is the best time. If you miss it, I believe there will be no such opportunity in the future."

In the past, when the grandson proposed any policy, Zhu Yuanzhang would agree without hesitation.

But at this meeting, Zhu Yuanzhang fell into deep thought.

After all, what grandson proposed this time has affected the interests of too many people.

To say that there are too many people is too few, which almost involves the entire wealthy class.

bank.

What Zhu Ying just said was to cancel all the money houses in Daming, control the money houses in the hands of the court, cancel the private operation, and change it to the government operation.

The money bank first started from the Zhenguan rule of Li Shimin in the Tang Dynasty, and has developed very proficiently until now.

Especially with the rapid development of the Ming Dynasty's economy, the demand for money houses has also become larger.

Banks, this is similar to the banks of later generations, a place to deposit and withdraw money.

But the classes involved in the bank almost cover the entire wealthy class.

Nowadays, many families who have enjoyed the dividends of the Ming Dynasty have earned a lot of money. Naturally, they don't think about hiding the money in the basement, and they are more concerned about how to make money generate money.

Even when you need a lot of money to invest in buying and selling, how can you get more money quickly.

In the Ming Dynasty, a large number of money houses have sprung up like mushrooms after a spring rain. While there are good and bad money houses, there are also many money houses with great reputations.

Some time-honored banks have even surpassed the royal banks in terms of credibility and reputation, even if they have the endorsement of the imperial court.

Zhu Yuanzhang knew very well that if private banks could be abolished and all of them were managed by the imperial court, the profits would be unimaginable.

But at the same time, under the circumstances that private banks are completely banned at this time, it will have a great impact on the economy of Ming Dynasty.

It is an exaggeration to say that even the overall public will be turbulent.

"Isn't Dasun afraid that the reputation he managed so hard will be ruined at this time?" Zhu Yuanzhang asked.

What he said is not just casually, but something that is very likely to happen.

Almost every local bank represents the union of wealthy classes in the local area.

This involves officials, families, big households, landlords and gentry.

These people can completely represent ordinary people and are the embodiment of the people's will.

This incident seriously affected their interests.

The most important thing is that it is impossible for almost all banks to balance their accounts.

The money deposited by retail investors will basically be taken away by the major shareholders behind these banks through loans, and then do their own business.

If the imperial court prohibits the opening of private banks, then these banks will inevitably run on.

No bank can withstand such a run, which will inevitably involve all aspects, and the large number of people involved behind the bank may even lead to bankruptcy.

Under such circumstances, people's livelihood must be turbulent, and many people will even hysterically resist this policy.

"My reputation, in fact, doesn't matter, and I don't care that much."

"It is the military power that really helps me stabilize the imperial power."

"I am well aware of how much resistance there is, but there is really no better time than now. The longer it is delayed, the more difficult it will be to accomplish this."

"Folk banks have absorbed too much of my Ming's wealth. Today, [-]% of Daming's wealth and up to [-]% are in the hands of others, not in the hands of the imperial court. This situation is not a good thing for the entire Ming Dynasty. "

This is a big hidden danger.

The current Daming is blooming with budding capital flowers, and the rapidly rising economy has caused Daming's money to rise crazily.

In the past two years, the industrialization layout of the imperial court has continued to expand, and the status of businessmen has been continuously rising.

According to the current trend of development, there will inevitably be a group of businessmen who are as rich as the enemy.

Zhu Ying doesn't want the future Ming Dynasty to be controlled by capital.

Then the capital can only be locked in a cage.

Qianzhuang is the current stumbling block.

The reason why such a decision was made was because of Guan Xianghai.

The Hong Kong Dental Bank produced a large amount of gold and silver. Of course, the big ones here were embezzled by officials.

If it is traced, most of the money flowed into Guan Xianghai's hands.

But the whereabouts of the money, there is no way to find out.

Zhu Ying has guessed that there must be a certain bank, or even invested in a certain bank.

Judging from Guan Xianghai's example, it will become more and more difficult for the imperial court to track down the stolen money of corrupt officials.

The Treasure Banknote Lifting Department has printed more treasure banknotes in the past two years than the previous 26 years of Ming Dynasty combined.

Of course, the national treasury has sufficient reserves, and the reason why they dare to print such a large amount is because there is too much gold and silver, so the precious banknotes must also keep up.

The current scale of the Banknote Lifting Department has been expanded by more than ten times compared to before, in order to keep up with the rhythm of printing.

There are too many benefits of the official operation of the bank.

From a large perspective, it is equivalent to a substantial increase in income, and it is almost difficult for the national treasury to be short of money in the future.

Better macro-control of the economic development of the entire Ming Dynasty, with stronger and more precise control over taxation and trade.

From a small point of view, the interests of the people are guaranteed. With the official endorsement, the Royal Bank naturally does not go bankrupt.

Now in the market, retail investors have been tempted to save money with high interest rates, and then run away with the money.

Set up a bank scam in the north, and then run to the south.

Affected by the dissemination of information, it is difficult to catch the real culprit in the current world.

Even if it is caught, it is difficult to recover the money.

Zhu Yuanzhang thought for a while and said: "What you said is true. It seems that the affairs of the money bank and the official business must be carried out."

"If we can't settle this matter while we're here, it will probably be even more impossible for these descendants in the future."

"If you count on them, it's better for us to finalize this matter."

"However, we don't think we can move so quickly. We can let the wind go out and test it out to see how much impact it will have. At the same time, we can also prepare for the common people by asking them to deposit all their money in our royal bank first to avoid losses. too big."

"This matter, don't talk about it at the court meeting for the time being."

Zhu Yuanzhang obviously thought very clearly.

Throughout the past dynasties, basically the period when the centralization of power was the strongest was generally when the country was founded.

The monarchs behind, in most cases, are going downhill.

There will naturally be a few good ones in the middle, but don't put your hope on the heirs in many things.

If there are any hard bones to chew, just chew them off first.

Especially in today's Ming Dynasty, Zhu Yuanzhang feels that there is basically nothing that cannot be done when the grandfather and grandson join forces.

Zhu Ying said: "This news cannot be published in the mansion newspaper. If it is published in the mansion newspaper, it is equivalent to a decision, and it will also cause great panic."

"I'll first spread the news to various chambers of commerce, including the Department of Public Security. Let's see how it responds."

Zhu Yuanzhang nodded and said, "Then just observe."

As the power and political center of Ming Dynasty, the capital will spread quickly.

Not only are the envoys of all other small countries concentrated here, but even larger chambers of commerce will have their presence in the capital.

The purpose is to better understand the news of the imperial court.

Only by mastering the latest policy direction can we earn more money.

The news that the court was preparing for the official bank camp quickly spread in the capital.

"This is impossible. If this is the case, wouldn't it be a big mess? The court probably wouldn't do this."

"Is there anything impossible? The news came from the Ping'an Tea House. I heard that many officers of the Department of Public Security are now withdrawing money from other banks, and then turned around and deposited it in the Royal Bank."

"In that case, we have to find a way to withdraw the money quickly, or else it will be difficult to withdraw the money when the court promulgates this regulation."

The peaceful capital suddenly became turbulent.

Regarding the so-called gossip, the government has no intention of stopping it, especially in the Department of Public Security, where many people quickly withdraw money from other banks, as if they got some gossip.

Due to the rapid increase in the population of Nanjing City, in order to better maintain the security of the capital, a large number of security stations were established in Nanjing City.

Almost every two or three streets, there will be a security station.

For ordinary people living in the capital, the Yamen with the most frequent contacts is naturally the Department of Public Security.

Some trivial matters, such as neighborhood disputes and petty theft, are basically handled by the Secretary of Public Security.

Of course, the people are most concerned about their movements.

"Master Li, please tell us whether this is true or not. Everyone is living in the street, and they don't see each other. Such a big thing is related to everyone's hard-earned money."

"If there is something wrong with the rumors, you can't hide it from everyone."

In the public security station in Jingshi Fangjian, a dozen grandpas and aunts rushed over and asked the guards on duty.

"That's right, that's right, we are all ordinary people, we earn so much money through hard work every day, and our son is about to find a wife, if something happens, it will really be over."

"Oh, my coffins were all buried inside. Master Li, you can't treat us neighbors like this."

"That's right, Mr. Li, just tell us old guys, and let us know something."

A dozen or so people were chattering, and Li San felt his head was getting bigger.

Don't take servants as officials.

For the people at the bottom, servants are on official food, and it is absolutely correct to call them Lord.

Even Li San is less than thirty years old.

"This is not a nonsense, the court has not issued a notice yet, no one can be sure of this news." Li San quickly explained.

Grandpa and aunt don't want to.

"You said you didn't know, so why did you take the money out of other banks and deposit it in the royal bank."

"Yes, of course we can trust the Royal Bank, but the interest rate of other banks is much higher than that of the Royal Bank, why don't you want more money?"

Li San was a little helpless: "Not to mention our office, even other public security offices did not force all the money to be withdrawn. It's just that this is the intention of our superiors. It can be regarded as a bank supporting the imperial court."

"All our brothers followed Shangfeng's wishes, that's why we took out all the money."

"Actually, there are some words that are not a scruple. The royal bank does not have high interest rates, so the deposits are not too much. It seems that the court has discussed this matter, so anyone who eats official food may have to deposit it. In the royal bank."

"Of course, this is not a court rule."

Hearing Li San's explanation, more than a dozen grandpas and aunts left dubiously.

After all, it doesn't seem like a big deal to gather in the public security station, so we often meet each other, and some of the older ones come.

If it is young and strong, it may not be so simple.

The news gradually spread, and many people also figured out the reason, and their suspicions were put down.

However, some people still went to other banks to withdraw money, and then deposited it in the royal bank.

This part has already put a lot of pressure on a large number of banks.

Four Seas Bank.

This is a bank under the name of the Four Seas Chamber of Commerce. Basically, the money of the members of the Four Seas Chamber of Commerce is deposited in the Four Seas Bank.

And it's an old name.

In many areas, it is even more famous than the Royal Bank.

The Four Seas Chamber of Commerce is engaged in maritime business. For example, Li Jinglong was ordered to lead the Ming Dynasty Ocean Fleet to travel across the world, and among the several large chambers of commerce that followed behind to do business, there was a member of the Four Seas Chamber of Commerce.

Naturally, they also have a resident in the capital, and they have opened a universal bank.

At the entrance of the Four Seas Bank, a long queue had already formed, and hundreds of people were waiting to withdraw money.

"Treasurer, more and more people are withdrawing money today. In less than two days, more than half of the treasures in our bank have been taken away. If this continues, there may be no money left in the cabinet tomorrow or the day after." money."

The head of the bank stood on the third floor and looked at the crowd below, and said worriedly to the shopkeeper next to him.

The shopkeeper's brows were furrowed, and he replied after hearing the words: "Order, immediately gather enough precious banknotes from the chamber of commerce to deal with the people's withdrawal of money."

The principal said worriedly: "There are not many precious banknotes in the Chamber of Commerce. Now tens of millions of precious banknotes are withdrawn every day. Even if they are all mobilized, they don't know how many days they can last. Why don't we close the door first?" How many days do you want to hear the wind?"

The shopkeeper shook his head and said: "No, this is related to the reputation of the bank and even the Chamber of Commerce. It is far from reaching the end of the mountain and must be maintained."

"In just a few days, there should be news from the imperial court. I believe this turmoil will pass."