Haisheng Mingdi

Chapter 558 The Royal Family
Qingdao.

The ice-free port has brought the unusual prosperity and heat of Jiaozhou Bay. Although the wind will be favorable for going south from October, but with the sailing technology at this time, it is also feasible to run against the wind, and even run faster against the wind.

Ships fully loaded from Huaiyang, Suzhou and Hangzhou are still sailing into the port.

On the wharf, despite the cold wind, it was still full of people, laborers loading and unloading goods, drivers pulling carts, hawkers selling goods and meals at the wharf, etc.

The original fishing village has now become a bustling new city.

The urban area surrounded by the newly built city walls has canals, castles, Confucian temples and martial arts, as well as military camps and warehouses, residential areas, markets, etc.

The whole city is full of vitality, and there are still construction sites everywhere. Many busy workers, who were fleeing hungry people not long ago, have now become relief workers, working here in exchange for money and food.

If it weren't for the gloomy winter here, it would even make people think that they were in Jiangnan by the Qinhuai River.

The entire new city is well planned, with straight and flat streets intertwined like a chessboard, and canals running through the city to facilitate transportation.

On both sides of the canal are lively street shops, warehouses, warehouses, etc.

This brand new port city now has tens of thousands of people.

"The third child,"

"Boss, I'm here."

Zhu Ci'an heard the shopkeeper's shout, and quickly raised his head to answer.

"I brought you sea oyster fried, it's still hot, hurry up while it's hot!"

The shopkeeper wore a cloak and walked into the lobby of Hengxing Qingdao branch from the outside. Zhu Ci'an greeted him, took the cloak from the shopkeeper, and swept the snow off his boots.

"Eat it while it's hot. I bought it from the auxiliary engine stand on the wharf. The fried oysters in his house are the most authentic and delicious. The oysters are bought fresh from fishermen at the wharf every day, and eggs are added. and flour, and some fresh vegetables and green peppers, and even a little pepper,"

The shopkeeper said that the auxiliary machine sea oyster fried is a stall on the Qingdao wharf. It is called auxiliary machine sea oyster fried. The shopkeeper has to take care of the business every time he goes there, both because it is delicious and because it is his family.

Since Zhu Laosan met Queen Deng in Linqu, it was also a lucky turn of events. When entering the genealogy, he was named Ci'an by King Deng, and he was given a financial gift by King Deng. Even the court and the royal family gave him an Anjia silver and subsidies.

All of a sudden the day settled down.

Deng Wang, who is now the king of Nanyang, has also arranged a job for him. He works as a clerk in the Hengxing branch in Qingdao. , without having to go through three years of working as an apprentice without wages.

Although he had to start as a low-level clerk, at least he was a clerk. The firm not only covered food, clothing, and housing, but also gave him a tael of silver every month.

The money is not much, but for Zhu Laosan, he is very satisfied with the salary. After all, it is still in the learning stage, and when he performs well in the future, it will gradually increase.

After about two accounting periods, he will have the opportunity to acquire body shares, that is, the right to dividends. Even if the body shares are small at the beginning, it is still very promising.

At least you don't have to starve and freeze, right?
What's more, although he is not a clan member in the emperor's fifth service, he cannot receive two taels of silver and six buckets of rice per month, but at least his children under the age of six can receive rations, which has already reduced a lot of burden.

"Eat quickly."

Zhu Laosan gratefully accepted the fried sea oysters handed over by the shopkeeper, it was indeed still hot, took a bite, it was really fresh and tender, the taste was really good, and the most important thing was that it was not expensive.

A very generous portion of sea oyster fried, this winter is only sold for five yuan, there are eggs and vegetables, although only a little, but there are enough sea oysters, and there is a lot of batter.

"The auxiliary machine should be more expensive, it's too cheap."

"He just insisted on selling it at this price, saying that if it is cheaper, we can sell more, and if it is expensive, everyone can't afford it."

The auxiliary machine that sells fried sea oysters is also surnamed Zhu, and also belongs to the Ming royal family. He belongs to the lineage of Qin Fan and is the nephew of Zhu Cunfu, the former king of Qin and now the king of Chang'an County. The lower-level clan, the kind with no names, no wives in their 30s, and a bachelor.

Perhaps it was because he was a bachelor, but he survived in this troubled world.

After the promulgation of the new clan law, he asked someone to give him a big name according to his seniority, Zhu Fuji.Because I had been a fisherman by the sea for some time before, after I got An Jiayin and others, I used this as capital to set up a sea oyster fried stall at Qingdao Wharf.

Because he is willing to give ingredients, the taste is good, it is cheap, and he is easy to talk to, so the business is booming.

"I was at the auxiliary machine today, and I saw a few more people at his stall, a woman with two girls, a boy and three children helping him," the shopkeeper laughed and scolded, "This guy, thanks to my return last time He said he would introduce a woman to him, but he said he was in no hurry, but he silently took in a refugee widow and brought three oil bottles."

Third Zhu also smiled.

"Then I have to congratulate you when I have time, I finally have a home."

The shopkeeper nodded, as long as there is a woman, there is a family, indeed.

"That guy can't close his mouth now, he's cracked all the way to the back of his ears, and he keeps laughing. I saw that widow, she's only 25, she's still young, her frame is good, she's strong, but she's a little thinner. If you are fatter, you will definitely be more fertile."

The shopkeeper is also a member of the royal family. He is from Tang Fan's lineage, Lin's generation, Zhu Yujian's nephew, Taizu's tenth grandson, the same generation as today's son, and two generations higher than the third child.

Zhu Linkun was a lieutenant of Zhen Guo before Tang Fan, but now he is no longer a noble because of the fifth service, but the shopkeeper doesn't care. These people don't matter, just as poor.

Now retaining the status of a royal family, there is no restraint.

This Hengxing account is a money shop opened by the emperor's internal funds and handed over to the clan mansion.Qianpu has many branches in Sanjing, Jiangsu and Zhejiang, and employs excellent shopkeepers to be in charge of the operation. The shopkeepers and apprentices in various places give priority to the children of the royal family.

Although the capital was paid by the emperor, the emperor did not want the proceeds.

The emperor also specially formulated a system for Hengxing. The clan government is only responsible for supervision, reviewing the accounts, hiring the big shopkeeper, and then handing over the specific operations to the big shopkeeper. , and the recruitment of apprentices, buddies, etc., all of which are the responsibility of the big shopkeeper.

The entire operation is in the charge of the management led by the big shopkeeper.

As for the proceeds, it is implemented that [-]% of the proceeds will go to the clan mansion, and [-]% will go to the shopkeeper and the guys as dividends.The stock of the treasurer, etc. only has the right to dividends, but no ownership.

Sixty percent of the dividends of the Clan Mansion, but not involved in daily operations.

The big shopkeeper monopolizes [-]% of the shares, that is, owns [-]% of the total dividends. The other shopkeepers and guys have their own differences and give shares according to their positions.

The three-year apprenticeship only includes room and board, but no salary or bonus.

And the apprentice becomes a clerk after three years. In the first two account periods, that is, eight years, there is no stock, only Xinjin, which is hard money or salary. Xinjin is different according to the number of years and contributions.

After two accounting periods, after the performance is qualified, you can get the body stock, from low to high, after getting the body stock, you will no longer get wages, including the big shopkeeper, you will get dividends.

This special system was actually formed by Daming's original Donghu partnership, but it is more detailed.

An account period of four years, dividends according to shares.

The portion allocated by the clan mansion is managed by a special account. The money is used exclusively to provide subsidies to the royal family, the young clan, the elderly, the disabled, and widows, and is not used for other purposes.

There is more than one firm like Hengxinghao.

There are those funded by Zhu Yihai, some selected by the imperial court, and even vassals like Zhu Yujian donated money, or established joint ventures. Most of the models are similar, using professional shopkeepers to manage, dividends for silver shares and shares, and the income is dedicated to the royal family. .

At the same time, it can also attract a large number of impoverished children of the royal family to work.

Zhu Laosan is now a first-class clerk, and he only needs one tael of silver a month, but if he performs well in the future, he can increase it every year. In the eighth year, he can even get seven or eight taels of silver. For high-level business, its dividend income is much higher than that of Xinjin.

If you reach the shopkeeper level and make a big contribution, it is also stipulated that even after death, you can still enjoy dividend income for one to eight years, and you can get dividends for two full account periods at most.

Not to mention the shopkeeper level, the usual treatment and benefits are good.

"Let's have fun together someday." The shopkeeper said with a smile, "The auxiliary machine said that business has been good recently, and it receives a lot of money every day, but there is no time to save it. You can go to the dock when you have time and help him get it."

Hengxinghao is a money shop.

In the past, the money shop was mainly a rice shop, and it also operated copper coin exchange. Later, during the Wanli period, Zou asked for permission to formally set up a money shop. Make money, exchange it with the common people, and make transactions.

In the past, the currency was relatively chaotic, and there were various kinds of copper coins, both good and bad, while gold and silver were weighed and used, and they also had different colors, so it was not convenient for the common people to use money in daily life. To exchange silver for copper coins, to pay taxes with silver, and possibly to exchange copper coins for silver.

The money shop buys coins from the government and exchanges them to the common people. One tael of silver is exchanged for 970 Wen, and a discount fee of [-] Wen is charged. When the money is exchanged for silver, it costs one thousand and thirty. money.

Of course, money shops often also operate lending business and so on.

At the end of the Ming Dynasty, various financial institutions were actually very complicated. For example, the pawn shop was the largest and was controlled by Huizhou merchants. It was also a very profitable business, and they did mortgage loan business.

There are also money shops, banks, silver houses, gold and silver shops, and even printing bureaus, etc. Some silver houses not only make gold and silver jewelry, but also exchange, and some even specialize in melting and casting, which is equivalent to a silver furnace.

There are also those who do exchange and lending. Their business scope is very wide, but they are also very chaotic, and the management is relatively chaotic.

And now the Shaotian Dynasty is in its third year.

Zhu Yihai's rectification of the financial sector is also gradually advancing, from the initial minting of silver coins and copper coins to nationalization, to the issuance of exchange certificates, the establishment of household banks, etc., step by step, and now finally began to abolish the two and change the yuan.

From the first day of the first month of the third year of Shaotian, all public and private payments, contracts and bills, and all transactions will be changed to silver dollars instead of silver taels.

Those who originally planned to receive and pay in taels of silver must exchange and pay according to the standard of one tael of [-] grain silver, which is equivalent to one yuan of dragon grain silver dollars.

Folk copper coins, all kinds of private money and white money with dozens of names, only Xu Shaotian Tongbao and Shaotian copper coins can be used in circulation, and other money is not allowed to circulate, and must be exchanged for new money at bank branches and banks in various places. The standard of exchange shall be determined by the imperial court.

The abolition of the two reforms that have been brewing for a long time can be said to be a dimensionality reduction blow to the entire financial industry by the imperial court.

In particular, there are many new detailed financial regulations that follow, such as stipulating the business scope of various institutions such as pawnshops, banks, and silver houses, and even must first obtain a ministry sticker (license).

The crackdown on private casting is also greater, and the punishment is more severe.

Just abolishing the tael and changing the yuan will close countless shops engaged in the exchange of gold, silver and copper coins. In the past, silver taels were used, and the various finenesses were different. They needed to be appraised, exchanged, and even recast. Gao, but now you can only use silver or copper coins minted by the imperial court, or exchange vouchers.

Even the foreign exchange business was involved in a wide range of cases.

But for the court, this is something that must be done.

This not only means regulating the market, but also not only collecting seigniorage, but also has long-term significance.

As a money shop, Hengxing was the first to understand the imperial government's will and adjust its business direction. Their main business now is to exchange silver taels for the people on behalf of the imperial court, old money and new money, and gold exchange. It also conducts deposit, loan and exchange business.

They also issued money notes, which were actually similar to the checks issued by several banks such as the Imperial Household Bank and the Royal Bank, and they were all fixed-value checks.

It turns out that some bank notes issued by some banks themselves, that is, exchange certificates that are redeemable against the bills, have actually been overissued, which is equivalent to issuing banknotes by themselves. Now they have been completely banned by the imperial court, and even the imperial court itself is now Strictly issued exchange vouchers, as many silver deposits as there are, will be issued on a one-to-one basis. Never issue too many to avoid accidents.

After all, the Hengxing account has an official background, so they turned around quickly and opened semi-colons in various places. On the contrary, the business is doing very well, especially some big banks such as the Ministry of Household Bank, which only open accounts in some first- and second-tier big cities for a while, and they But it can quickly sink to the lower prefectural and county markets.

With the legal ministry posting procedures, royal background, and formal operations, they are now receiving strong support, developing rapidly, and performing well.

For example, for deposits, the interest rate is even higher than that of the Bank of the Ministry of Accounts, and the interest rate of the loan given to the Bank of the Ministry of Accounts is lower, and it is completely in accordance with the requirements of the imperial court, and the deposit guarantee is handed over. The enthusiasm and performance in this matter have been named and praised by the Ministry of Accounts.

The major official media newspapers named and praised them, which is a considerable official endorsement, which makes their brand reputation even louder.

In the financial industry, the most important thing is credit.

"Recently, I have received a lot of various silver taels and old money. I have to arrange to turn it over to the bank of the household department for exchange. I am busy first. Remember to go to the dock when you have time to help the auxiliary machine exchange the money, and then deposit it for him. "

"Understood, shopkeeper." The third child hurriedly finished frying the oysters and nodded in response.

Usually the shopkeeper takes care of him, but there are dozens of people in this semi-colon, and he has to do it so that everyone can be convinced and satisfied.

Today's life is very hard-won, he cherishes it very much, even if he is a friend, he will not be slighted, and he will never always remember that he is a child of the royal family.

He didn't want to go back to the life of a child of a suzerain vassal again.

　good morning everyone
　　
　
(End of this chapter)