Take the warehouse back to the end of the Ming Dynasty

Chapter 212 Establishing a Bank
After the establishment of the reserve force, the law and order in the entire Xuan Town improved a lot in an instant.

In the streets of Xuan Town, there are reservists in gray patrolling almost every day.

In order to facilitate management, Zhao Wen set the color of the reserve uniforms to gray.

"My lord, our cement factory has been shut down for such a long time, shouldn't it start?"

Liu Wenzhong looked at Zhao Wen who was sitting in the hall of the General Military Mansion, and said in a deep voice.

Zhao Wen held the table with his right hand and kept patting it, "Yes, the cement plant should start working. By the way, let's transfer back the manager of the previous cement plant. This Wang Yuxiu is not suitable for a manager at all. Fan Hua That guy can deceive him with just a fake document. If someone does this again in the future, will my cement factory still be able to run? By the way, the glass kiln must be established in time.

Also, spring plowing is coming soon, and the land of those military households outside the city must be plowed in time.These military households must be mobilized and let them cultivate the land.This year I came to Xuanzhen for the first time to work. You told them that the grain cultivated by military households can be reduced by half this year. "

Liu Wenzhong said: "My lord, I'm afraid this matter is not easy. We can't control the land outside the city."

"You mean, the land outside the city has been taken over by people?" Zhao Wen narrowed his eyes and looked at Liu Wenzhong.

It has become an open secret that military officers occupied military households' fields in the late Ming Dynasty and forced military households to cultivate the land for themselves.

Now when Zhao Wen heard Liu Wenzhong's words, he immediately thought of these things.

"My lord, things are worse than you imagined. These fields were not only occupied by local officers, but also plundered by gentry in Xuanzhen City. Now the fields of military households outside the city are basically owned by these officers and gentry, we think It might not be easy to intervene." Liu Wenzhong looked at Zhao Wen and said slowly.

Zhao Wen stood up from his chair and looked at the blue sky outside the hall, "There is no delay in spring plowing. As the saying goes, if there is little food, the people are unstable. If this problem cannot be solved, then our rule in Xuanzhen will be like duckweed on the water." generally."

"Yes, my lord, if this matter is not resolved properly, then our status in Xuanzhen will become like that of Lu Daliang. The people in Xuanzhen only recognize those gentry and military officers, but not us." Liu Wen The crowd let out a sigh of relief, and said with worried faces.

Zhao Wen returned to the hall, slapped the table, a sneer gradually appeared on his face, "Find Wang Qi for me, I have something to look for him."

Liu Wenzhong cupped his hands at Zhao Wengong, and then walked outside.

Looking at Liu Wenzhong's leaving back, Zhao Wen gradually showed a gloomy expression on his face.

"You moths, if I don't clean you up, how can I develop? How can I win the hearts of the people?"

The purpose of Zhao Wen looking for Wang Qi was to find out the details of these people, and then directly sent troops to ransack their homes one by one.

After a while, Wang Qi came into the hall wearing a black dress.

"My subordinates see you!" Wang Qi saluted Zhao Wen.

Zhao Wen sat on the chair, looked at Wang Qi, pointed to the chair next to him, and said slowly, "Sit down, how is the matter with the hidden guard?"

"Thank you, sir!" Wang Qi cupped his hands at Zhao Wengong, and then sat on the chair.

"My lord, the affairs of the hidden guards are almost done, and now these 500 people are almost ready to be sent out."

Zhao Wen picked up the teacup on the table and sipped it, "Since that's the case, I have a matter for you. Within three days, you go to collect all the details of all the gentry in Xuanzhen City and the officers of the original Xuanzhen City. Give me a touch.

I want to know how many fields they have under their names, how many of them are obtained by stealing, how much silver and their houses and lands.At the same time, reveal to me all the bad things they have done in the past few years.I don't care what method you use, even if you give false testimony, in short, I just want to get their criminal evidence.

By the way, after this matter is over, you go and find out the Wanquan Left Guard, Wanquan Right Guard, Huai'an Guard, and the officers of the guards in various places. I want to know how many soldiers they have, and how many of them are food soldiers. The empty pay, and how many military households' fields are occupied.

I don't care what method you use, in short, I want to get these things in the shortest possible time. "

Zhao Wen asked the secret guards to collect the details of the gentry and former military officers in Xuanzhen, in order to catch them all in three days.

As for those gentry and military officers who were not in Xuanzhen City, Zhao Wen decided to deal with them after Xuanzhen was dealt with first.

……

At the same time, the gentry and military officers in Xuanzhen gathered together to discuss how to fight against Zhao Wen.

"Hehe, this Zhao Wen is really different. He didn't come to please us on the first day of taking office, but he went to clean up the garbage in Xuanzhen City first. Do you think this person is sick?
You must know that local governance must rely on us, otherwise, his seat will not be secure.I really didn't expect that this Zhao Wen didn't come to see us in time, but first went to curry favor with those poor military households.What a joke. "

In an alley in Xuan Town, in an incomparably luxurious mansion, a middle-aged man in official uniform looked at the people in the hall and said jokingly.

This man's surname is Li, he is a Jinshi, and he used to be a magistrate, so he has some prestige among the gentry in Xuanzhen.

When Zhao Wen arrived in Xuanzhen, he often called all the gentry in Xuanzhen and the original officers of Xuanzhen to his mansion to discuss how to deal with Zhao Wen.

"Li Yuanwai's words are right. This Zhao Wen is just a young man who has never been in the officialdom. He thinks that after he won the battle and was promoted by His Majesty to be the chief soldier of Xuanzhen, he can ignore us. This is really ridiculous. .

My imperial power in the Ming Dynasty does not go to the countryside, and the governance of this place depends entirely on us gentry. Does he think that after he becomes the commander-in-chief, he thinks he can manage the whole Xuanzhen?It's just wishful thinking. "

"Yeah, it's been so many days, and I haven't seen him come to visit us or invite us. Do you think this person is sick? Or is it arrogant?"

……

Three days later, when Zhao Wen got what Wang Qi got, he directly handed it over to Zhao Daniu, Song Hu and Wang Qi.

"It records their houses, property, fields and other things. You take these things and ransack them one by one. As for the charges, you can think about it yourself."

Zhao Wen pointed to the brochure Zhao Daniu was holding, and said with a gloomy face.

The gentry in the late Ming Dynasty were almost all scum.Of course, there are also good people among them.

But there are too few such kind people. In this era of the jungle, the gentry who can develop are basically dirty hands.

It's not that there are no clean gentry, but the proportion is too small.

The brochures sent by Wang Qi are basically those who occupy the land, and there is no record of those who are kind.

"Don't worry, my lord, I will definitely complete the task." Zhao Daniu put the booklet into his arms, cupped his hands at Zhao Wengong, and said loudly.

Although Zhao Daniu and others were illiterate, Zhao Wen was appointed as a military counselor in the army.

This counselor is equivalent to the political commissar of later generations, mainly responsible for supervising the army.So they are not afraid that they will not be able to understand the brochure Zhao Wen gave.

When Zhao Daniu and others led the soldiers and horses to set off, the whole Xuan Town was completely uproarious.

For a while, countless gentry and the original Xuanzhen officer cursed Zhao Wen.It was said that Zhao Wen wanted to rebel, but Zhao Wen scoffed at this and didn't respond.

Among these gentry, there is no shortage of people with good hands and eyes, and they encouraged officials in the court and China to impeach Zhao Wen.

But the impeachment memorial was sent out, but Chongzhen stayed in it.

Just a joke, Zhao Wen brought him more than 500 million taels of silver and countless antique calligraphy and paintings. How could Chongzhen warn such a capable person?Coupled with the fact that Cao Huachun kept saying good things about Zhao Wen in Chongzhen's ear, it was even more impossible for Chongzhen to reprimand Zhao Wen.

Not only did he not warn, Chongzhen also made a decree to praise Zhao Wen.It is said that Zhao Wen is loyal to the country and a great loyal minister.

All of a sudden, Zhao Wen's prestige was known to everyone.

Under the impeachment of the courtiers, not only was he not reprimanded or demoted, but he was also praised by the emperor.

After Zhao Wen dealt with the gentry and the original military officers in Xuanzhen, Zhao Wen distributed all the land they had occupied military households to those military households who had no land.

All of a sudden, in the entire town of Xuanzhen, countless poor military households were talking about Zhao Wen's goodness, saying that he is a living Bodhisattva who saves suffering.

Those gentry's own land was distributed by Zhao Wen to those people who had no land acquired from Zunhua City.

So far, Zhao Wen's prestige in Xuan Town has reached an incredible height.

……

"My lord, the spring plowing is over now, what do you think we are going to do next?"

At the meeting held by Zhao Wen, Liu Wenzhong looked at Zhao Wen, stood up, and asked in a deep voice.

Zhao Wen looked at the people sitting in the hall, squeezed his chin, and said slowly: "I have such a plan. I don't know if it will work. Let me tell you and listen."

"My lord, tell me!"

Everyone looked at Zhao Wen and nodded.

"Didn't we steal the homes of Shanxi merchants? Don't we have a lot of silver in our hands now? It's useless to put this silver here, so I want to take it out and get a bank."

Zhao Wen looked at the crowd and expressed his thoughts.

"Bank? What is a bank? I've never heard of it."

When everyone heard the term bank, they were at a loss for a moment.

They looked at me and I looked at you, discussing the bank curiously.

Zhao Wen looked at everyone's puzzled faces, and said slowly: "This bank is like a ticket number, but it is slightly different from the ticket number."

Zhao Wen looked at the crowd and explained the difference between a bank and a ticket number in detail.

When Shanxi merchants were completely eradicated, the ticket numbers of Shanxi merchants were wiped out almost instantly.

In northern Daming today, ticket numbers are extremely scarce.The ticket number of the Shanxi merchants is gone, but the depositor is still there.Zhao Wen didn't know how many people in northern Daming needed to save money, but there were definitely a lot of them.

So Zhao Wen thought about launching the bank, something beyond the times, at this time.

Zhao Wen, who came from later generations, deeply understands the power of finance. Zhao Wen is really worried that such a powerful weapon is not in his hands.

Especially the banks that have the right to mint coins are truly invincible.

Except for Liu Wenzhong and Qi Qingtian in the hall, the generals all looked dumbfounded.

For them, these things are even more obscure than listening to heavenly scriptures.

Liu Wenzhong caressed the beard on his chin, frowning, thinking seriously.

After a long while, Liu Wenzhong looked at Zhao Wen and asked slowly: "My lord, the bank you mentioned not only does not charge management fees for keeping silver, but also pays interest to those depositors, then we are going to lose money? Moreover, the interest charged on the loan sharks released is too little. In this way, how can we make money?"

Zhao Wen looked at Liu Wenzhong who was puzzled, and said with a smile: "Mr. Liu, you still didn't hear me clearly. Although the ticket number is also to lend money from depositors, but they take both. Come, there will be fewer savers and fewer borrowers.

If we follow our approach, the number of depositors and borrowers will increase.If there are too many people, don't we earn more?
And my purpose is not only that, what I want is the coinage right. "

"Coin minting rights? What is this?" Liu Wenzhong looked at Zhao Wen with a puzzled expression.

"What is the right to mint coins? Do you know the banknotes issued by the ticket number? Let me ask you, why can the banknotes issued by Shanxi merchants be unimpeded in the Ming Dynasty? Why do Ming merchants not reject the banknotes issued by the banknote? Also, do you know about the Daming banknotes? Why did the people still accept them when the imperial court first issued them, but why didn’t they approve them in the end?” Zhao Wen asked with a smile on his face.

Hearing this, Qi Qingtian's eyes suddenly lit up, he stood up, and looked at Zhao Wen with excitement, "My lord, I understand, this bank should exchange the deposits of depositors into bank notes and issue them. When the people agree with the bank notes, we can directly issue the bank notes.

In this way, the right to mint coins is in our hands, and we can print as much money as we want at that time.My lord, is what I said right? "

Zhao Wen laughed, and looked at Qi Qingtian with a smile on his face, "You're right, but it's still not very accurate. We don't need to issue banknotes directly. Think about it, why did the imperial court's treasured banknotes end up being wiped out?" Waste paper that no one wants ass?

That's because the treasure banknotes are not linked to silver, and the common people do not recognize the treasure banknotes from the bottom of their hearts. In addition, the imperial court's unrestrained issuance will make the treasure banknotes less and less valuable.

The reason why the banknotes issued by the ticket number can be unimpeded in Daming is because the banknotes are directly linked to silver.How many silver bills are issued.Although there are discrepancies inside, they are not too big.

Of course, we don't need to issue bank notes for now.We can melt the depositor's silver and mint it into silver coins. This silver coin weighs one tael, and the silver inside can be seven cents, and the copper and lead are three cents.This one silver coin is worth one tael of silver. In this way, wouldn't we earn three cents of silver for one silver coin? "

　I don't know much about this bank. If there is anything unreasonable, please point it out, and I will modify it in time!

　　
　
(End of this chapter)