Chongzhen Daming: Starting from Coal Mountain

Chapter 139 Daming Royal Bank
"Is there such a thing?" Chongzhen was overjoyed when he heard the words, "Hurry up and send someone here."

Ma Mingpao said yes, and hurriedly got up to arrange for the scholars to invite someone.

"Father drinks tea." Taking this opportunity, Kang Xi handed Chong Zhen a cup of tea.

"Okay, the princess has a heart." Chongzhen nodded happily, and then reached out to take the teacup.

At this time, Kang Wanwan asked cautiously: "My lord, can I bid for the Daming Arsenal?"

"Do you also want to bid for the Daming Armory?" Chongzhen said with a smile, "Of course you can, but you have to follow the rules and bid with other merchants. You can't be special just because you are the uncle of the country."

"That's natural." Kang Wanwan nodded again and again, "Actually, it's not that I want to bid for it myself, but that I have a friend who deals in ironware. He must be very interested. I'm asking for him."

"Then there is no problem at all." Chongzhen laughed, "Anyway, follow the rules."

After finishing speaking, Chongzhen beckoned to Kang Xi to come forward: "Crown Princess, come here."

Kang Xi, who had just retreated behind Zhu Cihong, hurried forward, bowed her head and asked, "What's your order?"

"Hey, my family members don't need to be so polite." Chongzhen waved his hand and said, "The bond exchange, arsenal and other industries must be handed over to businessmen, but there is one thing that cannot be handed over to businessmen. Do it by yourself, and it must be done by people from our royal family."

"Cough." Kang Wanwan coughed lightly and asked, "Your Majesty, do you want me to avoid it?"

"Oh, you don't need to avoid the in-laws." Chongzhen smiled and waved his hands, "Because you are also a member of the royal family, and the matter that the Crown Princess wants to do can't be done without your help."

Kang Wanwan hurriedly said: "Please also ask the Holy Majesty to show you."

Chongzhen tapped his fingers on the table: "I plan to organize the Royal Bank of Ming Dynasty."

"Daming Royal Bank?" Kang Xi asked, "Father, is the bank you are talking about a bank?"

"Yes, it is Qianzhuang, but it is called differently, but the business is basically the same." Chongzhen nodded, and then continued, "Compared with the previous Qianzhuang, Daming Royal Bank has one more business, and that is For exchange, after merchants deposit silver in a bank in a certain place, they can withdraw it from the bank’s branches in other cities with a bank draft.”

"Exchange?" Kang Xi's beautiful eyes lit up in an instant, and she immediately saw the endless business opportunities.

"By the way, there is also the Exchange." Chongzhen said again, "To engage in bond trading at the Exchange, merchants must first open an account and deposit silver in advance. This account is not actually opened at the Exchange. Instead, it was opened in the Daming Royal Bank, and the silver was also deposited in the Daming Royal Bank."

"I see." Kang Wanwan felt relieved when he heard this.

Otherwise, he was really worried that he would not be able to resist the temptation.

After all, once the Exchange becomes popular, the amount of money deposited by merchants in their accounts will be an unimaginably huge amount, but the money does not actually belong to the Exchange, so Kang Wanwan himself cannot guarantee whether it will be Secretly take the money out to lend?After all, lending is profitable.

But now, he doesn't have to worry about it anymore.

Thinking about it, how could the Holy One leave such a loophole for others to exploit?

Chongzhen glanced at Kang Wanwan with a half-smile, and then said to Kang Xi: "Also, in the future, the salaries paid to the frontier soldiers will no longer be paid directly, but silver bills will be issued to them, and the soldiers will be paid by the money. Withdraw."

Hearing this, Kang Wanwan couldn't help but be overwhelmed, the way of paying the salary through the bank is simply amazing.

Because once the credit of the Daming Royal Bank is established, the soldiers of the border town will definitely choose to deposit the silver in the bank, because depositing the silver in the bank not only has interest, but also is safe.

Otherwise, with hundreds of taels of silver on your body, how can you march and fight?Don't you feel bad about losing it?
Kang Wanwan has heard that many soldiers in Xuzhou Border Town have already received hundreds of taels of silver rewards!

Then, if the soldiers of Bianzhen chose to deposit their money in the Daming Royal Bank and would not withdraw it at all in a short period of time, would it mean that the money had not been distributed?

Can't the bank use the money to lend money?

Kang Xi also had beautiful eyes, obviously she also thought of the beauty in it.

Chongzhen was also emotional in his heart, saying that it was not without reason that Kang Wanwan was able to save this family business. This man's business sense is indeed very keen. Obviously, he has seen the huge business prospects of the banking industry.

The profit point of the banking industry is not only earning the interest rate difference, but also investing the money of depositors.

Chongzhen said to Kang Xi again: "Crown Princess, you are responsible for organizing the Daming Royal Bank. It is useless to find your father if you need manpower. I don't have any manpower for you here, but I want you to remember that you are the Royal Bank." Daughter-in-law!"

"Yes, my daughter-in-law always remembers the teachings of the emperor." Kang Xi said solemnly, "Put the interests of the royal family first in all matters."

Kang Wanwan lowered his head, his heart was awe-inspiring, and he said that this country's uncle is really not that easy to be, and he needs to be more cautious in the future, or God knows where he will annoy His Majesty.

After pondering for a while, Chongzhen said, "In addition, I want you to set up a separate service for the soldiers of the border town, which is the small-amount currency exchange and letter delivery business. Sending letters and gifts from their families back to the border town to hand over to the frontier army, of course this is a paid service."

"Yes." Kang Xi asked respectfully, "I would like to ask my father to give me a deadline."

"I don't have a deadline." Chongzhen waved his hand and said, "but the sooner the better."

"Yes, daughter-in-law has already made a note." Kang Xi said, "Daughter-in-law must be as soon as possible."

Chongzhen turned his gaze to Zhu Cihong again, and said with a smile: "Longer, you should not go north for now. When the Crown Princess has prepared the Nanjing head office of the Ming Royal Bank and goes north to Xuzhou to prepare the Xuzhou branch, you can go north with her."

Chongzhen is still very satisfied with Zhu Cihong, the crown prince, and it doesn't matter if he goes north a few days later.

Anyway, it is impossible for the slave-building army to go south before October, and these three months should be regarded as the honeymoon for the crown prince.

Zhu Cihong muttered twice, and finally said to Zhu Cijiong: "Third brother, when I'm not here..."

But in the middle of speaking, Zhu Cihong stopped talking, and Zhu Cijiong also said angrily: "Brother, I am only thirteen years old, so you let me take care of my father? My father takes care of me."

Chongzhen and Zhu Cihuang both laughed when they heard this.

After several months of getting along, the relationship between father and son has become extremely harmonious.

Wang Chengen, who was standing by the side, was not surprised by this, but Kang Wanwan and his daughter secretly wondered why the Holy Majesty was so close to the crown prince and King Ding?Didn't it mean that the Tian family has no family affection?
Taking advantage of this opportunity, Kang Wanwan asked cautiously, "My lord, can I open a bank?"

"Do you want to open a bank, in-law?" Chongzhen looked at Kang Wanwan with a smile, and when Kang Wanwan was about to give up under the pressure, Chongzhen said again, "It is possible, but not now."

Kang Wanwan couldn't help but heaved a sigh of relief when he heard the words, and thought that he had just asked more.

But Chongzhen said again: "When the Crown Princess runs the Daming Royal Bank and perfects the rules, I will allow private gentry and merchants to also open banks. I also understand that it is only the Daming Royal Bank that can't take care of it. Only banks Only when a hundred flowers bloom in all industries can we promote the prosperity of all industries in the Ming Dynasty.”

In addition to being driven by the military industry, industrial development must be supported by capital.

And the banking industry of Daming is the driving force for providing capital to all walks of life.

These are the two legs Chongzhen prepared for Daming industry. One is driven by the military industry, and the other is the blessing of the banking industry. Chongzhen believes that with these two legs walking, all walks of life in Ming Dynasty will surely usher in great development.

Although he is a time traveler, Chongzhen seems to be able to do only this.

……

After another conversation, Ma Mingpao led a red-skinned barbarian in with an aquiline nose.

Ma Mingpao saluted Chongzhen first, then said with a smile: "My lord, it's a coincidence that this red fan just came to post again when I returned to the internal affairs, so I found it so quickly."

"Correct me, I'm not a red fan, I'm a Portuguese, and my name is Boym." The Yi people were a little unhappy, and said in a slightly blunt Chinese.

"All right, all right, it's just a name." Ma Mingpao curled his lips and said again, "This is His Majesty the Emperor of our Ming Empire, why don't you salute quickly?"

"Oh, God, I'm so sorry, I didn't mean to be snub."

Bu Mijia was taken aback when he heard the words, and hurriedly knelt down on the ground according to Chinese etiquette to pay homage to Chongzhen.

Europeans in this period were still very humble to the Ming Dynasty, and if they were asked to bow down, they would bow down piously.

"The priest of the Macau Diocese of the Kingdom of Portugal, Bamiga, was ordered by Bishop Bamido and Governor Shi Luobao to come to see His Majesty the Emperor of Ming Dynasty, and please renew the trade agreement."

Now, back to Chongzhen's field of knowledge.

Chongzhen didn't remember much engineering knowledge, but a lot of historical knowledge.

For example, in Portugal at this time, life is very difficult.

Portugal's colonies in Ceylon and Malacca were snatched away, and the trade routes were almost cut off.

Chongzhen asked with a smile: "Bumijia, you Portuguese have had a hard time in recent years, haven't you?"

Bumijia shuddered slightly in his heart, but said calmly on his face, "Why does His Majesty think so?"

"It's very simple." Chongzhen laughed, "The Dutch are crazily snatching your colonies, and the Spaniards don't want to see you Portuguese now. Now the trade routes between Macau, Malacca and Ceylon are almost cut off by the Netherlands. I will send you to test our Daming to see if Daming intends to abolish the trade agreement with Portugal and Macau and sign a new trade agreement with the Netherlands, right?"

Bu Mijia no longer dared to meet Chongzhen's eyes.

Because he was worried that Chongzhen would see through his thoughts.

"I don't know why His Majesty the Emperor said that? But what I want to say is that the trade routes between Macau and Malacca, Ceylon and even Portugal are unimpeded. If the Ming Empire abolishes the trade agreement with Macau, it will be Daming who will suffer the most. Of course, we in Macau will also suffer losses, and the losses will not be small."

PS: There is still a chapter that has not been written, and it will be updated at night.

(End of this chapter)