Eighth year of Chongzhen

Chapter 824

Zhu Youjian is considering the Dutch side's request to establish a permanent alliance treaty, but at least within a few years, he does not intend to sign a treaty with it, and everything has to be seen while walking.

The existence of the sea coachman has both advantages and disadvantages for Daming. At present, the advantages outweigh the disadvantages, but it will be hard to say in the future.

At present, there is a big gap between Daming and the Netherlands in terms of navigation technology. If Daming’s products are to be sold all over the world, the huge maritime transportation capabilities of the Netherlands and the East India Company are indispensable. Knowing that this middleman has made huge profits from it, However, its industrial advantages cannot be replaced or surpassed by Daming itself for the time being.

Zhu Youjian was not reconciled to this.

If Ming wants to become a superpower, whether it is the navy or the ocean transportation industry, it must have super strength. If so, then there will be a competitive relationship between Ming and the Netherlands to compete for the market. what to do?
If one day, two allies fight each other, even if Daming wins in the end, what will the people of the world think?

If a country wants to win the admiration of the world, it must not only rely on hard power, but also soft power. National reputation is the most important embodiment of soft power.

The relationship between countries is just like how people get along with each other. If friends who are good at ordinary times wish they could wear a pair of pants, they suddenly fight each other. Will others dare to get along with you in the future?

A fence with three stakes, a hero with three gangs.Since ancient times, those who have achieved great things will always gather around a group of dog legs, uh, no, like-minded friends, no one has ever won the world by themselves.

The same is true between countries.

A certain beautiful country in later generations is a typical example.

Although the current relationship between Daming and the Netherlands is relatively close, it is all caused by related interests. Once the two parties have conflicts due to interests, cracks will appear in the close relationship.

There can only be one ocean overlord in this world, and that is Daming. Any country that wants to challenge the hegemony will be mercilessly attacked. Before that, all allies are temporary in nature.

This time Honglu Temple also sent high-level officials to Europe with the caravan, which was also arranged by Zhu Youjian himself.

Honglu Temple officials will negotiate with high-level governments of various countries to push forward currency swaps this morning, creating prerequisites for Daming Bank to set up branches in European countries.

At this period, the banking industry in European countries is still in its infancy. According to the historical process, it will be fully popularized in the next century. Therefore, Ming must seize this favorable opportunity to occupy as many European financial markets as possible until it becomes The maker and leader of the world's financial rules.

The financial industry is the cornucopia and the cash cow, and this position must be occupied first.

The Four Seas Bank has been renamed the Four Seas Bank, and currently has branches in some areas with developed commodity economies in Daming, engaging in the most basic storage and lending business in the financial industry.

In order to cooperate with the full development of Sihai Bank's business, in the 19th year of Chongzhen, the Ministry of Accounts issued a targeted policy to completely ban and prohibit private lending business. All loans must be handled from banks designated by the Ministry of Accounts. If someone violates the imperial system and illegally borrows money, Once discovered, all money and property involved in the case will be confiscated.

Since so far, only the Four Seas Bank in Daming is engaged in the lending business, the imperial court issued this decree to remove all obstacles for the Four Seas Bank. Therefore, at the beginning of the promulgation of the decree, it still caused a lot of fluctuations in the economically developed Jiangnan area. No one dares to gather crowds to make trouble anymore, but personal lending has been banned repeatedly, but it has only changed from public to private.

After learning of this situation, Zhu Youjian made a special decree based on the principle of eating meat himself and letting others eat soup, allowing those with a principal of more than 500 million silver coins to set up a bank, but the interest on deposits and loans must be in accordance with the official specified amount. Base operation, and a certain amount of management fees must be paid to the local government every year.

As soon as this law came out, the rumors of scolding the imperial court for being fatuous in the south of the Yangtze River instantly turned into cheers for the Mingjun in power.

After learning the trick of mortgage lending from the earliest Sihai bank, although the previous interest rate was forcibly terminated, but after leasing ten to seven, there must be real mortgages such as land and real estate, and the huge profit of [-]% to [-]% annual interest Under the current situation, private lending business is still extremely popular in the Jiangnan area.

Many salt merchants who have made a lot of money long ago thought that their way of making money was once again cut off by the court. They gritted their teeth, scolded the sky, and stuck needles in the paper man with someone's name on their faces. .

A few years ago, the scene of massacres in the Jiangnan region was like yesterday. All the elders who used to serve in the imperial court were killed like melons and vegetables. What's more, we businessmen who have lost their backing, what can we do?

Didn't you see those Jinyi captains with gloomy faces wandering around?
In the eyes of others, we are a bunch of fat sheep, we can bear it if we can, and we only dare to scold in front of the original wife for the words "unruly and innocent", not in front of concubines.

Fortunately, this time the imperial court was merciful and lenient, and gave everyone a way to make a fortune in a fair and honest way.

Not long after, after layers of reports and the Ministry of Accounts sent people to review, the second bank of Ming Dynasty—Jiangnan Bank was born.

Jiangnan Bank was established by more than 500 shareholders. The capital just reached the bottom line of [-] million. The bank is headquartered in Yangzhou, which is the headquarters of salt merchants. There are only four branches for the time being, located in Changzhou, Suzhou, Nanjing, and Songjiang. Sifu, its operating model also copied the complete set of processes of Sihai Bank, and the interest on purchases, deposits and loans was not bad at all.

After receiving relevant information, Zhu Youjian put the matter aside and stopped asking about it.

No matter if it's finance or other industries, no matter how strong you are, you can't take over the entire field. This is the case with Sihai Commercial Bank. Although it involves all industries of Daming Industry and Commerce, this does not prevent other people from participating in it, and it is not him who is the only one. hope to see the situation.

Four Seas Bank should take a longer-term view, actively expand overseas business is the direction of development, and strive to occupy more markets and resources around the world and earn more money from foreigners.

In the foreseeable future, Europe will definitely enter the process of accelerated development. The demand for capital is unimaginable. All walks of life will need a large amount of capital injection. Whoever first builds his brand into a reputable public brand, Then whoever will have more customers will earn more profits.

The amount of overseas profits is related to a big plan that Zhu Youjian wants to implement. He wants to do a major event that has never been done before or since.

　Thank you, Lao Xiao, who loves to watch history, for the reward.

　　
　
(End of this chapter)