Back to Ming Dynasty with Industrial Revolution System

Chapter 100 Kyushu Bank
"What is a bank?" Chen Ting asked in bewilderment with small eyes.

"Let me explain it to you in a simple way. We borrow money from ordinary people, for example, 100 taels, and then we give them five taels of silver every year as interest. And we can transfer the 100 taels of money to fill our funds If there is a shortage, the other part can be lent to merchants who need funds, and they will receive ten taels of silver every year. In this way, we can make full use of private capital!" Chu Yun said excitedly.

"By the way, we don't need to invest in some of these projects ourselves, and we can guide private capital to enter! For example, to set up private schools, we set up public private schools, and we can also let private capital set up private private schools, which charge fees but provide better services. , to make money from the rich!"

Chu Yun thought of the inexhaustible wisdom of the descendants, and his thoughts suddenly became active.

Things like the financial system do not rely on the industrial revolution system. As long as the people under them are obedient, a simple framework can be established.Of course, if it is to be systematized, Chu Yun may still have to call some theorists to come over and establish a fairly complete modern system.

"Banks! Private capital!" Although Chen Ting is an ancient person, the ancients are not much stupider than the people of later generations, just because their vision is limited by the times. When Chu Yun said this, even Chen Ting began to have a lot of idea!

"What did you think of?" Chu Yun was very interested to see what Chen Ting had in mind.

"The banks mentioned by adults are actually very similar to banks and banknotes, while private capital is like private workshops. Why are Shanxi merchants famous all over the world? It has nothing to do with the development of banknotes! Why is Jiangnan so rich? Because the imperial court is loose , the merchants and even ordinary people there are keen to invest in shops and trade!" Chen Ting slapped his head and said eloquently.

"That's true." Chu Yun said comfortingly.Chen Ting's analogy is really close.

To be honest, at this time the end of the Ming Dynasty did have a tendency to develop towards the industrial revolution.If the Ming Dynasty survived, it might not be impossible to move towards an industrial society, but it is a pity that there is no if.And there are still many problems at the end of Ming Dynasty.For example, although the private capital in the Jiangnan area is very active, they are not reinvested in expanding production capacity, but instead invest their precious capital accumulation in the purchase of fields.Yes, Chinese people are too obsessed with land.

As for banks and ticket offices, they also have serious birth defects.

"It seems that you have a deep understanding of banks and bank accounts. Do you know what's wrong with banks and bank accounts?" Chu Yun asked Chen Ting.

"My subordinates once chatted with some merchants of the Far East Trading Company, and heard them talk about the problem of the bank's bank. First, the strength and scale of our Daming bank are generally relatively small, and the strength of the bank is also very limited. To meet the needs of the development of large-scale commodity trade. Second, their business is relatively simple, and their operating methods and internal management are relatively backward. The main business is to provide paper bills to facilitate merchant transactions. Although they also handle deposits and loans, due to The total amount is limited, and the willingness is not much, which cannot meet the borrowing needs of businessmen." Chen Ting said.

"That's right, that's true." Chu Yun had a little contact with the subject of bank and bank accounts before, and had some knowledge of banks and bank accounts in the Ming Dynasty.

Although banknotes and banks have some characteristics of modern finance, they still have a big gap compared with banks.

"So we Fu Liao Army set up a super bank in our own name that surpasses ordinary banks and bank accounts, that is, a bank! We will use the property and land of Fu Liao Army as a guarantee to absorb deposits from merchants and ordinary people and provide loan services !"

too crazy!Chen Ting was shocked when he heard Chu Yun's plan, and even his ideas were subverted.If Chen Ting knows the buzzwords of later generations, he must feel that Chu Yun's operation of borrowing money in an open and aboveboard manner is very territorial!
Come to think of it, it really can be done!Perhaps the emperor of the Ming Dynasty couldn't bear to borrow money from his subjects, but Chu Yun was not an emperor, so what if he borrowed some money to lend money?
Moreover, the influence and credibility of the Fuliao army represented by Chu Yun in southern Liaoning may not be impossible to attract a large amount of deposits.

"My lord, assuming we set up this bank, we should find a group of people to set an example, so that the people will be willing to deposit their own money in our bank. I have thought about who should be invited to our bank to deposit money." Began to become The shrewd Chen Ting said.

"I also thought of a group of people, why don't we talk about it at the same time to see if we have a good understanding?" Chu Yun said.

"Far East Trading Company!" Chen Ting and Chu Yun said together.

If you want to say who is the richest in the entire Ming Dynasty, it may be Wei Zhongxian who is [-] years old, but which group of people in southern Liaoning is the richest?It's definitely not Chu Yun who can't make ends meet, but a member of the Far East Trading Company - a big businessman from all over the world.

Relying on a large number of customer resources, they cooperated with Chu Yun, who mastered the core production technology, and made a lot of money!And many of them were already big merchants before they cooperated with Chu Yun, such as Datong Wang's family, Nanjing Zhang's family, and Quanzhou Wu's family!
This group of people can obtain high-quality and cheap commodities, and also obtain safe trade channels with Korea and Japan, all relying on Chu Yun's Liao army and the strong production capacity of southern Liaoning.

At this time, Chu Yun summoned most of the members of the Far East Trading Company to Jinzhou.When these members received Chu Yun's notice, they immediately came here, and even if they were overseas with the ship, they still sent agents stationed in Jinzhou City to attend the meeting!Since Chu Yun called them for a meeting, it must be a very important matter.

"When our Far East Trading Company was first established, there were only a dozen or so merchants. Now that there are so many merchants from the north and south of Ming Dynasty, I am very happy." Chu Yun said politely.

He saw that there were hundreds of merchants, including agents, attending the meeting in his mansion!This does not include the apprentices and servants of these people waiting outside the mansion!

"I heard that my lord said that I have something important to discuss with us. I rushed over as soon as I arrived at Dalian Port! Could it be that my lord has another order for artillery merchant ships? My Nanjing Zhang family photo can be accepted." Nanjing Zhang Yuanwai said boldly.

"Fuck, do you think our Wu family in Quanzhou doesn't exist? If there is an auction of artillery merchant ships, our Wu family will be the first to ask for it!" Another merchant in Jinyi retorted.

"Who doesn't know that there are many pirates and red-haired devils in Nanyang. Our Zhang family needs artillery and warships to protect our Zhang family's rights and interests!" Zhang Yuanwai said angrily.

"Hmph, it's as if our Quanzhou Wu family doesn't do Nanyang business, and [-]% of our Wu family's business is with Nanyang trade." Wu Yuanwai snorted coldly.

"Ahem, you don't need to argue, isn't it just an artillery merchant ship? Today we have more urgent matters. Our Liao Army intends to set up a large bank, called the 'Kyushu Bank', and we are here to raise funds from you."

　Before I knew it, there were a hundred chapters, and I can see that this is half a true love... Some book friends said that they want to create a group, so the author created a book friend group 598591465, who are interested in water groups (the author is busy with less water) You can add it, provide the author with some technical background and suggestions, and treat it as the author's think tank haha.Finally, thank you for your support.

　　
　
(End of this chapter)