Steam Daming: Stop calling me to supervise the country

Chapter 67 The Ponzi Scheme
On the table are the feedback questions that Zhao Quan encountered during this period, and Zhu Zhanchang frowned after reading it.

"His Royal Highness, what's the matter?" Chu'er rarely sees Zhu Zhanchang's sad face, so it's probably a big deal.

"I have to go find Big Brother."

When I came to Zhu Zhanji's yard, now he is busy with official business, and the prince is a hands-off shopkeeper, so many things in the bank have to be reported to him, and at the same time, the third brother Zhu Zhanyong is arranged to help.

But the third brother is a stupefied young man, and Zhu Zhanji can't explain his too tedious work.

"Zhanchang." Zhu Zhanji became happy when he saw the fifth, and he finally came, but seeing him with a sad face, he had never seen Zhu Zhanchang so sad recently in his memory.

"what happened?"

"Brother, have you read the book Zhao Quan handed you over?"

"Look, the private banks are rampantly accumulating money, depositing private money in the banks with regular savings, and the emergence of high-interest savings is not good news for banks."

Zhu Zhanchang nodded, but this was not what he was most worried about. Banks were now booming, everything was going well, and less private savings would not have a huge impact, but according to Zhao Quan, the private sector has now appeared in order to collect savings. The high interest rate is a bad sign.

If the banks are all trustworthy, the savings will eventually be obtained even if they are regular, but now the major banks have issued 20-year or even 20-year regular savings, and the 120-year interest rate is ridiculously high, reaching [-]% of the principal , but is this kind of money really obtained?
A market economy without controls and rules may go to extremes, and human greed will always be a bottomless pit.

Zhu Zhanchang is worried about the birth of a Ponzi scheme.

Although Zhu Zhanchang's economic knowledge is not very sufficient, he still knows about the Ponzi scheme. After all, it often appears on the news on TV. It has its presence in every era, and he has experienced it himself.

MLM scams in the early 21st century, investment scams later, and P2P thunderstorms later.

Attract assets with low investment and high return, and use the funds of new investors to pay the interest and short-term returns of old investors.

The pie in the sky will continue to ferment in word of mouth, until the operators behind the scenes cannot pay the interest, or get enough funds.

Then disappeared in an instant, and no one could be found.

In the era of advanced technology and information explosion, such things are still unavoidable, let alone ancient times.

Today's people are less educated and easy to be deceived, especially when faced with high returns, they will be carried away.

Early caution will be washed away after seeing that people around you really get a part of the high interest, and then put all your savings into it.

And these are the life savings of many people, and if they are gone, nothing will be lost.

The Ponzi scheme has caused many tragedies in the world, but in the end, there is nowhere to seek justice, and can only swallow the bitter fruit, the money can't be returned, and the family is scattered.

This is the hard-earned money of the common people.

Although there is no real Ponzi scheme yet, the bank's overreaction to the bank and the continuous accumulation of money make Zhu Zhanchang have to worry about the emergence of the Ponzi scheme.

These deceptions are, in the final analysis, the greed and evil desires of the human heart.

It is impossible to eliminate people's greed and evil thoughts. What can be done is to plan and order as soon as possible before a disorderly market comes.

"The Central Bank of Daming is responsible for the issuance of food stamps, and also controls the interest rate of loan storage. Let's directly release the limit of storage interest rate." Zhu Zhanchang was obviously in a hurry.

After thinking about it, Zhu Zhanji said, "No, the imperial court can't force it, the bank can't be implemented when it is established, interfere with the operation of the bank, and compete with the people for profits." This time Zhu Zhanji was calmer than Zhu Zhanchang.

Indeed, if the imperial court displayed a high-handed policy when the bank was first established, and officials forced the people to rebel, it would also violate the current momentum of good economic development in Daming, and any suppression would inevitably suppress private economic activities.

"Fifth brother, don't worry, the situation you mentioned hasn't happened yet, and the Jiang family's bank and other banks mentioned in Zhao Quanzhe are also big money banks, and there will be no problems in the short term, just because they are afraid that the money will flow into the bank. Just some reactions."

Zhu Zhanchang was not so optimistic. His intuition told him that the Ponzi scheme would definitely happen. He wanted to stop it, but he knew deep down that he couldn't stop it.

Even modern times can't stop it, and even more so in the Ming Dynasty.

It's just that when he was a child, he once saw his aunt's family fell into a Ponzi scheme and was deceived. The aunt committed suicide by jumping off the building. This kind of hatred is unforgettable.

He didn't want countless people to work hard for a lifetime, in exchange for nothing.

Just how to prevent and control the greed and evil thoughts of the human heart?
Zhu Zhanchang was eager to take preventive measures before the incident happened, and this anxiety also made him lose his position.

Zhu Zhanji sees the changes in Zhu Zhanchang today. Now they can't completely prevent what Zhu Zhanchang envisioned. They can only persuade him to go back first, and everyone can think of a way together.

As soon as Zhu Zhanchang left, Zhu Zhanji's face changed and became colder.

"Big Brother, Fifth Brother usually dares to bargain with Grandpa Huang, why are you so flustered today." Even the upright third Zhu Zhanyong could see Zhu Zhanyong's panic.

"It's also the first time I've seen it. The fifth man's temperament usually looks at the sky and is not afraid of the earth. He doesn't seem to care about everything, lazy and indifferent, but as long as it concerns the people, his attitude will become firm and angular."

"He will be a good prince who loves the people like a son in the future." Zhu Zhanji said this without any expression, but the people are the emperor's people.

"Brother, will the scam that the fifth man said really happen?"

"I didn't think about it before, maybe it will, but it's not a bad thing for our bank."

"Ah?" Zhu Zhanyong was puzzled.

"Shang Yang established Mu Jianxin, in order to gain trust, it takes a lot of effort, and the same is true for us as a bank, it can't be done overnight, there are many people watching, we need to build our own credibility, but what if the money bank outside loses its trust at this time? , one trades off the other.”

Zhu Zhanyong nodded as if he didn't understand, but he should have understood from the dull expression.

Zhu Zhanji looked at the gradually yellowing leaves in the yard. As the wind gently and slowly fell to the ground, the drifting autumn wind took shape.

"If people don't trust the money shops outside, the banks can gain people's trust without any effort. Some things are like spring, autumn, winter and summer, and the cycle goes back and forth. The lesson of the few is that they should pay the price for their greed."

Zhu Zhanyong still couldn't understand what his elder brother said: "Brother, what do you mean by that?"

Zhu Zhanji smiled and patted his shoulder: "It's just hurting the spring and sad the autumn."

What Yao Guangxiao said, Taisun is benevolent, tyrannical, and ruthless, and this is Taisun's ruthlessness.

"By the way, eldest brother, the mother-in-law said that she wanted to recite poetry in the Mid-Autumn Festival, and I found someone to write it for me."

"Just memorize it, don't forget the words."

"No big brother, it's just that the mother and concubine have been so grand in previous years, why has the form changed this year."

Zhu Zhanji smiled knowingly: "I'll find you a daughter-in-law."

After listening to Zhu Zhanyong's sad face, Zhu Zhanji was puzzled: "You are not happy to find a wife for you."

"Those girls can't even see their faces, and they don't know how old they are."

Seeing that Zhu Zhanji's face was wrong, Zhu Zhanyong immediately added: "I mean age."

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(End of this chapter)