Jinyi champion

Chapter 552 More interested in making money (add more)

Just when Zhu Si welcomed Empress Dowager Jiang into the palace.

Inside the official office.

Zhu Hao took a rest that day and was studying his business plan, the most important of which was to expand the bank account to Nanjing, so that Shuntian Mansion and Yingtian Mansion could be closely linked.

"...The empress dowager entered the palace, and His Majesty has been restrained from then on. It is estimated that His Majesty will not leave the palace in a short time... What are your plans?"

Tang Yin appeared on the side, watching Zhu Hao writing vigorously, without showing much surprise.

When Zhu Hao was still in Xingwang Mansion, he liked to scribble and doodle, and he got used to it long ago.

Zhu Hao said: "Being in the palace, what do you think is interesting? Even if the Queen Mother enters the palace, it is impossible for His Majesty to see her every day, and she will definitely come out of the palace."

joke.

Zhu Si likes going out of the palace because he feels lonely and cold in the palace?
Definitely want to come out of the palace to play!
It's as if there is his old mother and family members in King Xing's mansion, but he still wants to go to Anlu City to play.

Can the world inside and outside the palace be the same?
"Meng Zai hosted a banquet today to entertain many officials from Xing Wang's mansion to the capital, will you go?" Tang Yin asked.

Before Zhu Si went to the capital, he brought a group of pawns from the Xingwang Mansion, but after all, the Xingwang Mansion formed its own system, and a small half of them stayed in Anlu. This time, most of them followed Princess Jiang to the capital. It's an empty shell, and it's handed over to the local state government to take care of it.

Now that you are the emperor, what is there to love about a palace?
This group of people arrived in the capital, Jiang Lun is the younger brother of the Queen Mother, and he wants to win people's hearts and prepare for his future title. This banquet does not need to be arranged by the emperor. With the order of the Queen Mother alone, Jiang Lun will go crazy dry.

Zhu Hao said: "I don't want to join in this kind of excitement. Now there are more and more people coming to the capital from Xingwang's Mansion, and when there are too many people, my identity is very easy to be exposed. The number of times I come here recently may have to be corresponding Reduce... If there is something to do, leave it to the master!"

Tang Yin frowned endlessly: "So many court affairs, you let me handle them?"

By implication, are you kidding me?
Even if the cabinet vote is to be regarded as the content of Zhu Zhu according to the scriptures, the problem is that I can't imitate the emperor's handwriting. Do you really think anyone can replace the new emperor?

Zhu Hao looked indifferent: "Your Majesty can't rely on me for everything. Now that the Empress Dowager enters the palace, it's time to cultivate his ability to be independent... When he leaves the palace again, let him do things himself. Also less arrangements, outsiders know how decent it is?"

Tang Yin rolled his eyes: "Now you know it's not proper? Why did you go so early? You are probably the only one who can persuade you. Besides, you are indispensable to the Ming court now!"

"casual."

Zhu Hao still didn't take it seriously.

……

……

Zhu Hao really wants to relax a little bit now.

He couldn't work at the Imperial Academy during the day, and he had to act as Zhu Si's stand-in when he came back in the afternoon. At first, he felt that being able to handle the affairs of the Ming Dynasty had a great sense of accomplishment, but as time passed, he began to slack off.

I'm not the emperor, why do I have to make myself so tired?

If you want to change Daming, you should not rely on reviewing memorials, but you should expand the business system, and do some scientific research, so that industrial civilization will come to China earlier.

So now Zhu Hao's enthusiasm for doing business is far greater than being an official.

On the same day, he went to find Su Xigui.

"...Little master, the bank has just opened, Huizhou merchants and merchants from all over the world don't recognize it, but with the help of my superb lobbying ability, I have accepted more than [-] taels of silver as deposits, and there are also [-] to [-] copper coins... "

Su Xigui was very excited.

I thought that opening a money shop was a bit of a fool's errand, and it was impossible to make it bigger and stronger.

But having a government background means doing things well. This kind of money-making model is the kingly way to make money.

Su Xigui used to focus too much on the real industry, especially buying low and selling high, never thought that the financial service industry could also make money like this.

Zhu Hao said: "Give them interest. Of course they want to deposit silver in the bank. They are betting that you will not fail in the next two or three years. But because Mr. Huang is only the secretary of the household department in Nanjing, he came here to join you." There are not many people... how much money is loaned out?"

Su Xigui smiled and said: "He looks like four or five thousand taels, and he has left some savings... Actually, it doesn't matter whether he keeps it or not, I can afford to pay for this amount of money."

Compared to Su Xigui's family and business, it is still possible to raise hundreds of thousands of taels of silver casually.

Even if Su Xigui couldn't be as rich as an enemy, he relied on the reform of the salt field in the past few years, and Huang Zan worked as a servant in Beihubu, and he handed over a large amount of salt to him, making Su Xigui the largest salt merchant in Ming Dynasty.

After all, it was Huang Zan who brought up the reform of the beach tanning method. Naturally, his own white gloves would be cheaper in the business field.

Zhu Hao said: "One hundred thousand taels is still too little. It is necessary to develop the scale of the bank account to a million taels within one year, establish and improve the system of the northern and southern capitals within three months, and open the bank account in about half a year. Go to the capital cities of various provinces in the Central Plains, and develop to the north and south of the river within a year..."

Su Xigui was speechless: "Young master, if you are ambitious, you are still better. I really feel ashamed of myself."

"What's the point of talking about this? We are all businessmen, and it's useless to engage in those vain things. Your Majesty won a victory in the matter of the ceremony. I guess the civil servant's counterattack is about to start, and it will definitely happen." With regard to the money and grain of the Ministry of Households, together with the account of the river project that was brewing before, the self-inspection of the Ministry of Households and the Ministry of Industry is coming to an end."

Zhu Hao analyzed the current situation.

Su Xigui said with a smile: "The main army has not moved, the food and grass go first, and the young leader is far-sighted."

Zhu Hao looked at Su Xigui, always felt that something was wrong with this guy today, and there were many compliments on him.

"One hundred taels of silver, the monthly interest is one cent, or the annual interest is two cents. After deducting the interest given out, the annual income is only one hundred thousand taels, which is still too little. What is the use of the court now? No matter how much the annual expenditure needs to be four to five million taels of silver, it can stimulate the economy of Ming Dynasty..."

After the middle of the Ming Dynasty, silver from South America began to flow in gradually, the price of silver gradually dropped, and silver became the main currency in the market.

After Zhu Hao entered the court, he paid attention to the expenditures of the Ming Dynasty over the years. Although the accounts of the Ming Dynasty did not have the habit of calculating the general ledger, it was about three million taels a year based on the inflow and outflow of the bank in Taicang. The payment is also exchanged for silver at the market price to be handed over to Taicang.

According to this calculation, by the end of Zhengde, the annual expenditure of the imperial court, in silver, would not exceed five million taels.

Among them, the nine-side dispatch accounts for [-]% to [-]%, and it can even account for more than [-]% in times of war. Because the grain distribution system has collapsed, the commercial settlements in the northwest are deserted, and the expenses in the northwest are almost entirely supported by Taicang.

In a normal year, the river workers accounted for [-] to [-] percent of Daming's expenses.

In addition, the biggest expenses are officials' salaries and the construction of palaces and temples, so they can't make ends meet. If there is a disaster in the local area, or something happens, the court can't change money for nothing, and it can't use inflation. Looting wealth from the people is indeed very easy to cause a deficit in the government's finances.

Didn't various social problems in the middle and late Ming Dynasty arise because of this?
The collection of business taxes will inevitably cause great conflicts with the gentry class as happened later. After all, the official class is mainly in charge of the market economy of the Ming Dynasty. Containment, power comes with money, who doesn't want to realize the power in their hands?

Then there is the big landlord class.

These people have the right to speak in society, and whoever touches their cheese will be regarded as an enemy.

Zhu Hao knows that some reforms can’t be implemented for the time being. If the Ming Dynasty wants to become rich, the best way is to develop the financial industry and commerce first. tax, then I will use what you are good at to make money from you.

In normal business, your skills are not as good as others, and you lose money. You can't rely on the imperial government's policy to deprive you of it, right?

Su Xigui also looked forward to it for Zhu Hao: "If you run a business of ten million taels a year and earn one million taels, it should be even more helpful to the court, right?"

"Still less."

Zhu Hao is more greedy than Su Xigui, "It's best to earn a court fee a year, which is roughly enough."

"It's... impossible, right?"

After all, Su Xigui is the white glove of the Minister of the Nanjing Household Department, and he has some understanding of the expenditures of the Ming Dynasty Household Department, "It may cost more than [-] million taels. so many."

Zhu Hao said with a smile: "If you want to grow big, you can't just focus on the little money in the hands of merchants, but develop your business to all the people."

"This……"

Su Xigui thought to himself, this one really dared to think.

What about dreaming?
It is not easy for ordinary people to save some money, you still want them to deposit money in the bank?
"The people also pay attention to interests. First of all, we must be innocent, not expand blindly, and be willing to sacrifice some interests to win over the people, so as to gain their trust. Even if there are any major events in the future, the court can also borrow money from the bank. Money is also borrowed at interest, then the imperial treasury will not be stretched when major events happen."

Zhu Hao even mentioned a theory that Su Xigui had never heard of.

Is the imperial court looking for a bank to borrow money?

When the imperial court runs out, can it still be returned?

Thinking about it again, no, if Zhu Hao can influence the new emperor, from the emperor to Zhu Hao, who may appear in the future, all abide by the contract, then this matter is still enforceable.

The important thing is... Zhu Hao originally opened the bank account.

It is equivalent to saying that the imperial court transfers the silver from the left hand to the right hand, deposits the silver in the bank itself, and then finds the bank to borrow money later, and pays the interest to the bank, and the imperial court takes a large part of the profit.

It's a sure bet.

"Little master, the chambers of commerce in various parts of the capital are concerned about the bank. Do you think you can find an opportunity... or someone to communicate with them?"

Su Xigui also had another purpose when he saw Zhu Hao, which was to get more policy support.

Now that merchants are willing to save money, most of them are looking at Su Xigui's face, not the court.

Zhu Haodao: "Let the head of the household department, Mr. Tang, go to see them and publicize the policy to let them know. This is a move that benefits the country and the people."

　The second one is delivered, the Son of Heaven asks for subscription and monthly ticket support, thank you!
　　
　
(End of this chapter)