Steam Daming: Stop calling me to supervise the country

Chapter 52 The Four Elements and the Iron Rice Bowl

Listening to Zhu Zhanchang's decomposition of the four major banks, Zhao Quan is already stupid. According to Zhu Zhanchang's method, there is no way for their bank to survive.

"The Daming Economic Bank is aimed at the scholar-officials and the noble class, and is aimed at the development of the country and its future foreign economic activities."

"The Agricultural Bank is targeting farmers and lending to agriculture, encouraging large-scale agricultural development, borrowing at low interest rates, and exchanging grain for loans."

"ICBC is aimed at industry and commerce. Anyone who wants to set up a workshop or want to open a door can come to this bank."

"Construction Bank is aimed at infrastructure construction. For example, when Zheng He's steam engine is ready to be built, it can lend it to the person who contracted to build the road."

Zhu Zhanchang gave an overview of the four major banks in one breath. If the four major banks develop well, they can cover almost all industries now, and they can borrow and store as long as the conditions are met.

The imperial court has a full coverage, and the money shops outside basically have no way out.

Zhu Zhanji was also shocked by Zhu Zhanchang's words. He hadn't told him this before, and Zhu Zhanchang had no choice but to remember it today, and it was another day of hard copying.

"Your Highness has said this to His Majesty." Zhao Quan asked cautiously.

"I saw what Jiang's Qianzhuang came up with today, but I haven't had time to say it. After returning to the palace today, I will sort it out with my eldest brother and report it to Grandpa Huang."

Zhao Quan glanced at Zhu Gaojiu, Zhu Gaojiu's eyes were complicated, and he didn't know the specific meaning of these things, after all, he didn't run a bank.

Zhao Quan said very respectfully: "Three highnesses, you are looking for Caomin, if you want to ask, just ask, Caomin knows everything."

Zhu Zhanchang's attitude was completely different when he saw Zhao Quan. Although he was respectful before, he was far less honest than he is now. It was false before. Those who praised and flattered were nothing more than casual words.

Zhu Zhanchang and Zhu Zhanji then asked him a lot of questions about private lending, and Zhao Quan said it all without concealment, including his own opinions and experiences.

How to lend, how to receive money, what kind of interest, to what extent the gold and silver in stock can be borrowed, in all aspects, people who can manage the Jiang Family Bank to this scale will naturally not be a rich man with no skills.

Zhu Zhanji and Zhu Zhanchang were very satisfied with his confession, and they were about to leave when the evening approached.

"Manager Zhao is a capable person. I hope to get help from shopkeeper Zhao in the future."

"His Royal Highness's words are serious, and Zhao Quan does not dare to take it."

The group left, but Zhu Gaojiu stayed behind, with a gloomy face and Zhao Quan returning to the small courtyard behind.

"Zhao Quan, what exactly does Zhanchang mean? He said that he wanted to invite you to the bank, but he didn't say anything again. In the afternoon, he asked a lot of things about the operation of the bank, and what did he mean by the bank. "

Zhu Gaosui knew nothing about business operations, but he could also feel the change in Zhao Quan's attitude.

"My lord, our business world in Daming is about to change."

"What do you mean?" Zhu Gaojiu was even more confused.

Zhao Quan explained: "According to the Fifth Highness, the issuance of food stamps, the establishment of banks, and the national unification of interest rates for deposits and loans are tantamount to redefining the existing rules of money and money. Money and food are the foundation of the business world. Once the regulations are set, the entire business world will change with it.”

Zhu Gaojiao seemed to understand, but he didn't understand: "These two little boys are going to do such a big thing?" He couldn't believe it.

"Both His Royal Highnesses are both extraordinary people, especially the Fifth Highness. Just a few words have changed the situation unseen in the ages, with delicate thoughts and smooth thoughts."

"Then what should we do?" The Jiang family bank contributed a lot of money to the second and third masters.

"Your Highness, don't worry, just listen to what the Fifth Highness said, except for the central bank of Ming Dynasty, which distributes food stamps and sets interest rates, other banks will cooperate with local governments to open semicolons, and even the money they get will be used for local construction. "My lord, you have a fief."

Zhao Quan's words reminded Zhu Gaojiu, who was going to discuss with Zhu Gaojiu first.

After sending Zhu Gaojiu away again, the smile on Zhao Quan's face finally faded away, and Ying Gu Lang looked fierce.

Those who are good at flattering among the powerful will always hide their true selves.

"Master, it doesn't seem like it was a joke that the Fifth Highness invited you just now." The confidants who were with Zhao Quan asked when everyone dispersed.

Zhao Quan nodded slowly and meaningfully: "This Fifth His Royal Highness is a top-level intelligent person, not only the thoughts of the four majors, but also the temptation in words and the unconscious news."

The confidant scratched his head in confusion, and Zhao Quan patted him on the head: "You still have a lot to learn, if the four major banks are really established, and bank semicolons are established in various places, think about how many people will participate. in?"

"That's gone."

"Yeah, a bank needs to be established and run by someone. Can the court recruit a large number of officials to become the bank's operators? Impossible."

Zhao Quan's confidant brother is also a smart person, and it makes sense: "Oh, then the court has to recruit a lot of people, and those with experience will definitely be preferred. Those of us from the bank will definitely be recruited by the court."

"Yeah, it's inevitable, so what the Fifth Highness said to let me go to the bank is not just nonsense. He's telling the truth, but it's just that I can go if it's not a simple sentence. He also depends on my ability."

"But the owner, don't you want such a large property of our Jiang family bank."

Zhao Quan gave a wry smile: "I don't want it? It's the rivers that roll in, and those who obey will perish."

"Adam." Zhao Quan called out the name of his confidant.

"Master."

"If I go to the bank of the imperial court, although I am not an official, but in the imperial court, if I can really climb up, I am sure that I won't have to bow down when I meet those third-rank officials in the future. What's the use like now, just bring a sesame and mung bean size. All officers must be carefully served."

Man, if you don't have money, you want money, if you have money, you want power.

His keen business sense made Zhao Quan know that this might be an opportunity for him. It is impossible for a man who has worked hard from a small mountain village to pass up such an opportunity. No matter whether he succeeds or not, the temptation of the class leap after success is worth his overwhelm. Go bet, maybe this is the only chance in his life.

"Adam, if the court's iron rice bowl is placed in front of you, do you think these people from the bank will stay in the bank and not go to the bank of the court?"

Ah Dang thought for a moment: "It should be... not."

"It's definitely not. This is what I said about the rivers rolling in. The two His Royal Highnesses have already had a rough plan for what they are thinking of, and they are feasible and beneficial to the country. Their identities and His Majesty's support, this matter is likely to be All I can do is to find a way to get on the big ship that rides the wind and waves in this rolling torrent."

"Then, what should we do?"

"Help me call the other two owners, I will put what I have learned in my life on paper, and write down some ideas about the implementation of the bank, and present it to the two highnesses, and offer advice and loyalty."

Excellent businessmen can quickly change their behavior in the face of interests and pursue profits.

(End of this chapter)