Daming: I, the emperor who trains the carpenter

Chapter 787 Silver Price Plunge?Zhu Youjian, who has been wronged: buy, I will buy as much as I have!

Opening a third bank is the plan given by the imperial court.

It is also the best way after discussing with Zhang Haogu, Lu Xiangsheng and Qian Qianyi.

If the merchants are ignored, the silver held by hundreds of merchants will definitely bring big troubles to the imperial court's economy, and even the private banknote system may collapse; It will make businessmen alienate from the court, which will have an impact on a series of policies of the court in the future. If there are too many, it is impossible for the imperial court to print so many precious banknotes at one time, which is still an impact on prices.

Therefore, the best choice is to let the merchants take the initiative to take out the money, and jointly act with the court to open a commercial bank, let the merchants be responsible for the operation, and the court only holds shares.

After all, the right to print and issue banknotes is in the hands of Daming Bank, and commercial banks can't turn the sky if they control this.

The third bank of Ming Dynasty, a commercial bank, is responsible for foreign trade, business development, etc. The conditions given by the imperial court undoubtedly made the merchants very excited.

Everyone is a big businessman, and they value long-term interests and stability more than short-term profits. If the imperial court wants to forcibly expropriate everyone's money, then everyone must have nothing to do, but the imperial court did not do so. It is said that there are favorable conditions, which shows that the imperial court attaches great importance to everyone.

Moreover, the conditions given by the imperial court are not to ask for all the money, as long as you take out part of it, you can get shares, and the rest can be used to do business with foreigners.

After all, doing business with foreigners is inseparable from silver. No matter how much the price of silver depreciates in Ming Dynasty in the future, silver is still valuable.

After thinking about it, the merchants agreed to the court's decision. After all, this is the best way at the moment, and they can't really fight against the court, right?
After the big merchants are settled, the large and medium-sized chambers of commerce will be settled accordingly. As for the small merchants and small chambers of commerce, they don't have much money in their hands, and they mainly use precious banknotes.

In the end, Cui Chengxiu stayed with the businessmen to conduct detailed discussions and sign contracts with the businessmen on the division of shares in commercial banks, how many shares the money could cover, etc., while Lu Xiangsheng and Qian Qianyi went to Zhu Youxiao to return.

Zhu Youxiao was also in Xiyuan at this time, playing chess with Zhang Haogu on the Xuntai.

"His Majesty."

"Two elders, please sit down."

Zhu Youxiao invited Lu Xiangsheng and Qian Qianyi to take their seats with a smile, holding a chess piece in his hand and smilingly looking at the opposite Zhang Haogu, frowning and thinking: "Master made a good chess move last time, why is he thinking again now?"

Zhang Haogu was very helpless: "Your Majesty, if you just take a step and look at it, you will be surrounded by your Majesty early on. If you take a few more steps, you can walk more safely."

Zhu Youxiao nodded: "Commercial banks, is Master's idea?"

Zhang Haogu didn't hide it, and said very naturally: "Yes, this commercial banker has long thought about it. The territory of the Ming Dynasty is tens of thousands of miles, as far as Liaodong, and it reaches Jiaozhi in the south. As the center of the world, where the wealth of the world gathers, how can it be Can there be only one bank? In the future, the imperial court will hold Daming Bank firmly on Mount Tai, and the establishment of other banks is inevitable.”

"When there are too many banks, all kinds of chaos will inevitably appear. Instead of letting businessmen from all over the world set up small banks by themselves, it is better to take this opportunity to turn their banks into a large bank. The imperial court also facilitates supervision. .”

Zhu Youxiao asked again: "Lu Xiang, how much money does the court have now?"

Lu Xiangsheng thought for a moment and said: "Return to Your Majesty, the imperial court has no less than [-] million taels of silver."

Zhu Youxiao's hand trembled: "So many?"

Qian Qianyi explained: "Your Majesty, in fact, the imperial court mined only 50 million taels of silver every year, but my Ming Dynasty had no less than 2 million taels of silver. Although most of them were scattered among the people, in recent years, the Western and Southeast Asian countries have There is also a large amount of money from the Wa country flowing into our Daming, more and more every year."

"After the opening and closing of the Longqing Dynasty, millions of taels of silver flowed into our Ming Dynasty every year. After His Majesty completely lifted the sea ban and allowed countries to trade, this number became 1000 million taels, and it is increasing every year. Now it is no less than 2000 taels a year. Ten thousand taels of silver flowed into my Daming."

"What the imperial court holds is only [-] million taels, not counting treasury treasuries in various places, and counting the circulation among the people. When all these are added up, the Ming Dynasty is no less than one billion taels, or even more."

Zhu Youxiao's expression has returned to normal: "With so much silver, if the price of silver falls, there will be a big problem."

Lu Xiangsheng said: "The minister has sent documents from the Ministry of Accounts to various places, asking them to escort the money to Beijing. At the same time, big merchants will also take out their own money to jointly open banks with the court. These add up to [-]% or even [-]%. The rest are nothing to worry about.”

Eighty to ninety percent, that is, the folks will leave [-] million taels. After all, merchants also have to do business. If this amount is apportioned to the merchants, the loss will not be particularly large. After all, when doing business with foreigners, how should the money be calculated? of.

Zhu Youxiao was very satisfied: "Since we have achieved this step, let the cabinet send a message that the imperial court will abandon the silver standard from now on."

Soon, at the court meeting, the Minister of the Household Department wrote a letter, and the six elders of the court, and all the ministries and halls agreed, the currency system of the Ming Dynasty changed. The court abandoned the silver standard system and changed it to the gold standard. It is said that the price of silver is about to usher in a sharp drop.

This news spread throughout the inner city, then the outer city, and then spread throughout the 24 provinces in the north and south of the Ming Dynasty through the Ming Daily. Everyone realized that the price of silver was about to plummet.

After Zhu Youjian got the news, he couldn't help laughing: "The price of silver has started to fall. This is a good time for us to buy!"

Zhang Jinrui also smiled and said: "That's right, that's right, how much silver does Ming have? The whole world adds up to hundreds of millions of taels of silver. Now that the imperial court says to give up the silver standard, it will give up the silver standard. How can the businessmen and gentry in the world tolerate it? This is a dead end, and the price of silver will inevitably rise in the future!"

Zhu Youjian smiled smugly, and while telling his subordinates to take this opportunity to buy silver futures, he also ordered a table of good food and wine for the store to deliver to his door. He wanted to have a good drink with his own Mr. Zhang.

Soon, the store delivered the food and wine, and the table was full of delicious food and vintage wines. At the same time, his subordinates also delivered the bought futures. Looking at the piles of tickets, Zhu Youjian smiled even more proudly.

"Hahahaha, hahahahahaha!"

"My emperor brother often compares himself to Han Wu Guangwu, Tang Zong Song Zu, and claims to be far superior to them, comparable to Cheng Zu. But he still doesn't know how to govern the country."

"This gentry is the foundation of the Ming Dynasty. If he offends the gentry in the world, won't the world of the Ming Dynasty be in turmoil?"

"Silver is the confidence of the Ming Dynasty. He collected the wealth of the world, and the amount of silver in the Ming Dynasty increased. This is a good thing. Let him continue to increase. If there is more money, the court will issue more treasures to stabilize the situation. He just If we want to abolish the silver standard, wouldn’t that be a waste of time and effort?”

"The gentry has been offended, the businessman has been offended, and the common people have been offended. He, a father, is going to be in trouble."

Zhu Youjian looked at the piles of bills complacently. Originally, the silver futures of Ming Dynasty were very stable. Taking one tael of silver as an example, the low was more than 900 treasure bills, and the high was more than 1000 treasure bills. There would not be too many ups and downs.

But now, as soon as the imperial court sent out the news, one tael of silver fell to five hundred treasure notes in an instant, and it was still falling!
It is falling almost all the time!

Zhu Youjian's tens of millions of treasures were exchanged for silver, and he became a millionaire in an instant. Where can such a good thing be found?

Zhang Jinrui reminded: "Your Highness, it is best to exchange these tickets for cash as soon as possible. If the money rises in the future, it is inevitable that they will not accept it."

Zhu Youjian was drinking a little wine and complacently. Hearing Zhang Jinrui's words, he immediately came to his senses: "Not bad, not bad."

Immediately, Zhu Youjian ordered his servants to exchange all the coupons for silver.

Normally, if someone does this, it must be very difficult.

But who let it be a special time now, when he heard that someone wanted to change the silver, he was very happy, so he packed the silver and sent it to Zhu Youjian.

Looking at the boxes of silver placed in the yard, Zhu Youjian only felt dazzled.

Silver, all silver!

When had he ever seen so much silver?

As a poor king, a virtuous king, he was used to being poor, and his hands trembled a little when he saw so much money for the first time.

Looking at Zhu Youjian's suddenly flushed face, Zhang Jinrui quickly reminded, "Your Highness? Your Highness!"

"Huh? Ah?! Ah! It's Xiao Wang who lost his temper." Zhu Youjian finally came to his senses, and at the same time he was secretly ashamed. He was also a prince of the Ming Dynasty, a wise king, and a scholar. The silver that arrived is so out of control?
What a shame to lose the strength and arrogance of a scholar!

Thinking about my elder brother, His Majesty Emperor Tianqi, he seemed to have seen hundreds of millions of taels of gold and silver when he lost his composure.

At the beginning, Shanxi merchants treasoned the Liao Dynasty and gave the Liaodong Jurchen the firearms and secrets that the court had repeatedly banned.

Zhang Haogu made a move at that time, and directly sent people to copy the homes of Shanxi merchants, and found as much as 2000 million gold and silver, not counting other treasures, antiques, calligraphy and paintings, etc.

Compared with the mountains of gold and silver, jewels and agates that my imperial brother saw, what are the boxes of silver that I have right now?
Thinking of this, Zhu Youjian calmed down inexplicably. He recovered his demeanor again, took a sip from the wine glass, and said with a smile, "Thank you, Mr. Zhang, for reminding me."

Zhang Jinrui said quickly: "Your Highness, there is no need to be like this. It is very rare for ordinary people to see so much silver taels in a lifetime. It is really normal. Your Highness just lost his mind for a moment and then recovered, which is extraordinary."

Zhu Youjian was very satisfied with Zhang Jinrui's praise, and took another sip of his drink: "Mr. Zhang, we have so much money now, what should we do next?"

Zhang Jinrui said: "Naturally, we will continue to collect as much money as we can!"

"In the end, the more money we have in our hands, the more confident we will be in the future and the greater the right to speak."

"Even, we can open a bank of our own. When the time comes, His Royal Highness will be sitting in the bank and will have tens of millions of silver in the backing. Not to mention the princess, your old father-in-law will admire you very much. When the time comes, the richest man in the capital, It's not your old man, but you."

Zhu Youjian's eyes widened after hearing this, yes, if he opened his own bank, would he still have no money?

Tens of millions of taels of silver!

It was the tax revenue of the Ming Dynasty for more than ten years, even now, it is the harvest of the Ming Dynasty for a year.

With so much money, it is enough to open a bank by yourself and spend a few lifetimes freely!
Taking a few deep breaths to stay calm, Zhu Youjian said: "Yes, the money is not enough right now, but we don't have any money now, do we?"

Zhang Jinrui said without hesitation: "Go borrow and find someone to invest in. Your Highness, our family can't finish this business. If this is the case, why don't we find more people to help? If that person blames it in the future, there will be support from others." no?"

As he spoke, Zhang Jinrui pointed in the direction of the Hall of Martial Arts.

Zhu Youjian understood it, and he got up immediately: "Xiao Wang, go find a helper now!"

Now that Zhu Youjian is sitting on tens of thousands of wealth, his confidence has also risen. He immediately went to those people who lent him money and invested in him before. Not counting that, he also went to many officials and businessmen.

Gentlemen, Confucian scholars, officials, and businessmen can be regarded as Zhu Youjian's collection.

After inviting all the people they could invite, Zhu Youjian and Zhang Jinrui began to tell them their thoughts and ideas, why they should eat a lot of silver, how much the silver will be worth in the future, and how to jointly open a bank for investment in the future perfect imagination.

Zhang Jinrui is eloquent. Many people were really moved by his explanation.

But the ones who were moved were either Confucian scholars or small businessmen. None of the famous businessmen and gentry in the capital came, and the small businessmen and gentry who came were fools and dismissed them at all.

Zhang Jinrui tried hard to persuade, but these really rich people didn't move at all. Now Zhu Youjian couldn't understand: "Everyone, is there something wrong with what Mr. Zhang said?"

A businessman asked: "His Royal Highness, do you know how much silver the people have? Do you know how much silver is in the hands of the court? You are currently collecting silver at a low price and waiting for the future rise of silver. If the price of silver does not rise in the future, what should you do?" ?”

Zhu Youjian smiled and waved his hand: "Impossible! It's impossible! The price of silver will definitely rise in the future! My Ming Dynasty's silver is more than hundreds of millions of taels? So much silver, it is worthless, how is it possible?"

Another gentry said, "That's right, silver will rise in the future. But when will it rise, and to what extent will it rise, can you be sure, Your Highness Xinwang?"

"One tael of silver used to be worth one thousand treasure notes, but now it is worth four or five hundred treasure notes, and the price is still falling. If it falls to two hundred or three hundred, then you buy it, and it will rise back to five hundred in the future. Earn money, but if the price doesn't rise back to this price, won't we all follow you and lose money?"

The reason why these gentry and merchants came was because of Zhu Youjian's identity. After all, he was the younger brother of His Majesty the Emperor and the prince of the Ming Dynasty, so it was inevitable that there would be some news.

After all, His Majesty the Emperor still loves his younger brother very much. It can be seen from sending him to the farm to practice before. His Majesty still hopes that His Highness Xin Wang can take on important responsibilities. In the future, he may be counting on His Highness Xin Wang to assist the Crown Prince.

So His Royal Highness Xin Wang has some internal news, is it reasonable?
After all, His Royal Highness Xin Wang's concubine is the daughter of Zhou Kui, the richest man in the capital.

As for Zhou Kui and Zhang Guoji, one is the father-in-law of King Xin and the other is the father-in-law of His Majesty, and both of them are guests of Master Zhang. This at least has some inside information, right?
Zhang Jinrui said at this time: "Everyone, please rest assured that the price of silver will definitely rise in the future, and the increase will definitely not be low!"

"No matter what price we buy now, we will make money in the future."

Zhu Youjian nodded: "That's right, you can earn as much money as you eat right now! When the price of silver rises in the future, we can start a bank with this money."

Start a bank!
You know, there are only two Daming Banks now, one is the Daming Bank held by the Ming court, it is the official bank of the court, responsible for the issuance of treasure notes, gold and silver storage, etc. It is the only credible bank for merchants, and it is also responsible for currency exchange and so on.

The second is Nanyang Bank, which is a semi-official bank supported by the imperial court with a base of 3000 million silver. It belongs to the Nanyang Development Company and is mainly responsible for the Nanyang region. The development of Ming merchants in Nanyang.

Is this bank you can open if you want?

Then there is no permission from the imperial court, no approval from the emperor, and the approval of the cabinet. Can you drive it?

Now that the letter king Zhu Youjian said that he could open a bank in the future, could it be possible that His Majesty the Emperor really gave him this promise?

Will the price of silver inevitably rise in the future?
Then why did the imperial court abandon the silver standard and watch the price of silver fall, the stock market fluctuate, and people's livelihood be affected?

Could it be that the imperial court wants to collect a lot of money?
The gentry and businessmen were puzzled, feeling as if they had missed some news.

The price of silver is still falling, but for those big businessmen who are sitting on a large amount of silver, the Big Chamber of Commerce does not respond to this, as if they don't care about the shrinking of their wealth.

Now it is such a strange phenomenon that the price of silver keeps falling, and some speculators have also seen the hidden business opportunities and continue to buy silver in large quantities, but large companies, groups, chambers of commerce, and those big and famous businessmen in the world seem to be unable to see it. Likewise, neither sells nor buys silver.

The silver price was chaotic, and Zhu Youjian was full of confidence. Many gentry businessmen were also tempted, and they took out their own money to invest in Zhu Youjian, hoping to drink hot soup with His Royal Highness Xin Wang.

As much silver appears on the market today, some people swallow some of it. Who eats the silver?
Following His Highness Xinwang is equivalent to following the imperial court.

And with the support of so many gentry, businessmen and Confucian scholars, Zhu Youjian's wallet has bulged again, and his confidence is full again.

He smiled and watched these gentry merchants bring all the treasures to him, counted the number of these treasures, Zhu Youjian suddenly felt full of confidence!

Sure enough, the capital of the Ming Dynasty has no shortage of rich people!

With so many treasures, wouldn't it be stable? !
He immediately ordered: "Go and buy silver, eat as much as you can!"

"Right now, we don't lack this little money, so we all go to buy silver, and we earn money when we buy it!"

Saying that, Zhu Youjian looked at Zhang Jinrui again: "Mr. Zhang, Xiao Wang is going to sell the palace, and exchange money to buy silver!"

(End of this chapter)