Daming: The most ruthless tyrant in history

Chapter 251 The foundation of the country cannot be shaken
Development pays attention to laws, and it is not something you can do whatever you want. There are many contradictions in the Ming Dynasty, especially the party disputes in the central court that are difficult to eliminate and last for an extremely long time. It seems that they are fighting for power, but in fact they are fighting for profits, because there are Only by gaining power can we effectively intervene in policy decisions. The underlying logic behind this is the struggle between the North and the South. Coupled with the advent of the Little Ice Age, this struggle has become more acute.

"Recently, the development of Huahui Bank and Convenience Society has far exceeded expectations. Uncle Guo has put a lot of effort into it."

Zhu Youxiao sat on the throne, looked at the memorials he held, and said with a faint smile: "According to the current momentum, Huahui Bank will be able to set up prefectures in the prefectures under the jurisdiction of Beizhili by next year at the latest. Semicolon, and penetrated along the canal into Shandong to open a semicolon.

Yes, as long as you work hard, there is nothing impossible.

However, is the development of convenience societies too fast? By next year, all prefectures and counties under the jurisdiction of Beizhili will be able to set up convenience societies at all levels. How to ensure the supervision?After all, my original intention of setting up a convenience society was to stabilize the prices of daily needs of grain, cloth, cotton, coal, oil, etc. "

"Your Majesty, I think so."

Wang Sheng, who was sitting on the brocade stool, bowed his head slightly and said: "In order to ensure that the convenience society can achieve the characteristics of stable market prices, I have thought carefully about it, and as your Majesty said before, I have clarified the three-level structure of the convenience society at the province, prefecture, and county levels. We will absorb various groups from various prefectures and counties in Northern Zhili to ensure that convenience societies can cover Northern Zhili as soon as possible.

And on this basis, new regulations such as supervision at all levels, responsibility tracing, provincial-level temporary inspections, and off-site audits were clarified.

To put it simply, they are provincial-level convenience cooperatives, which have strong independent supervision rights. In addition to daily supervision of the accounts of convenience cooperatives in various prefectures, they will also be dispatched from time to time to supervise county-level convenience cooperatives. In addition, under the leadership of provincial-level convenience cooperatives , and will also carry out off-site audit operations to ensure the overall stability of the convenience community. "

"Then how can I guarantee that they will not collude in private and commit deception?"

Zhu Youxiao closed the memorial and looked at Wang Shengdao with a smile.

"I have a way."

Wang Sheng smiled slightly and said: "The first rule of the Convenience Society is that those who commit corruption, collude with internal and external parties, and drive up market prices will be fined a hundred times as much as once investigated and punished, and the Convenience Society will ban them. Anyone who cooperates with relevant matters will be punished by the Convenience Society." We will no longer cooperate with them on purchasing matters.

In addition, those who violate this new rule will have their credit share in Huahuiyinhao canceled or reduced. People who are willing to hold silver to buy stocks mostly value the strength of Huahuiyinhao, and Convenience Society is a media, not to mention this media. Although we adhere to the concept of small profits but quick turnover, if we run it properly every year, we can still get a lot of dividends.

The most important point is that the convenience cooperatives coordinate purchasing rights and all are concentrated in the provincial convenience cooperatives. When it comes to various purchases that are easy to store, specific people will be assigned to purchase them, according to..."

Listening to what Wang Sheng said, Zhu Youxiao showed an expression of approval. Although the rules set by the convenience society still have certain loopholes.

But that's enough for now.

The purpose of the convenience society was to help the court stabilize market prices, especially for daily necessities such as grain, coal, oil, cloth, etc. Zhu Youxiao had never thought about how much money he could make from the convenience society.

Of course, when any organization develops to a certain scale, monopoly, corruption and other behaviors will inevitably occur. This is absolutely unavoidable.

Zhu Youxiao also thought of a way to do this.

When the Convenience Society covers multiple provinces in the Ming Dynasty, the Convenience Society will be split, with only the provincial level as the main body, and the part of the bank stocks held by Wang Sheng will be put under the name of the Shaofu, and corresponding regulatory agencies will be established to achieve The concept of a government-supervised private society does not have the characteristics of a government-run society.

The more government agencies the better, the better. This level must be properly grasped, otherwise corruption, deficit and other bad things will be borne by the central finance and eventually transferred to the bottom groups.

Zhu Youxiao has been cracking down on hereditary privileges and will never allow alternative hereditary privileges to increase.

Take the convenience society as an example. Its biggest function is to regulate market prices. If you dare to violate this characteristic and fight against the court, especially the government, you will end up with one fate: death!
What you sneer at is that others beg their grandfather and grandma to get in.

The convenience society does not have official characteristics. The biggest advantage is that you don’t have to worry about inspections. If you are obedient in daily life, some conveniences can be given to you. But if you are disobedient and want to take advantage of the chaos to make profits and disrupt order and stability, then get out. After the inspection, that part of the silver stocks will be auctioned, and this power will be effectively concentrated in the hands of the central government, with the local government only having the right to co-organize.

Some powers need to be classified, and some powers need to be centralized. Hereditary privileges of a central nature and hereditary privileges of a local nature must be placed in a cage by Zhu Youxiao.

"Convenience societies can be developed in this way. If implemented properly in Beizhili, they can be replicated in various provinces. It will take some effort to appoint the national uncle."

Zhu Youxiao picked up the tea cup on the imperial desk, looked at Wang Sheng and said: "However, Huahui Bank cannot do this. In addition to the group of private capital, if it recruits new people, even one, it must be reported to the imperial court." Come on, Huahui Bank involves many levels, so it’s not appropriate for too many people to be involved.”

"The minister obeys the order."

Wang Sheng was still frightened and hurriedly bowed and bowed.

Just now, in Wang Sheng's mind, he wanted to copy this model to the Huahui Bank and tell the emperor what he wanted. After all, in this way, the Huahui Bank could also expand rapidly.

It's just that Wang Sheng didn't know that the reason why Zhu Youxiao gave him temporary control of Huahui Bank, and initially allowed some people to buy stocks with silver, was to temporarily bypass the court and avoid being noticed by some people. That’s why we used this form to initially clarify the financial field of Ming Dynasty.

Support and development involving the financial field is bound to be a process that touches the interests of many people.

As long as one coinage power is concentrated, the center and the localities will be involved. This is how Zhu Youxiao does things. Either don't do it, or do it to the extreme.The power of minting must be returned to the central government, private minting must be severely cracked down, and seigniorage must be steadily promoted. If this series of combined punches can be effectively carried out, the central government's finances will obtain stable financial resources, and even with the strong national power of the Ming Dynasty, the benefits related to seigniorage will be , will continue to increase with external expansion.

When the above-mentioned plan is implemented steadily, the private banking shares of Huahui Bank will gradually be returned to state-owned control. For these people, Zhu Youxiao will exchange other benefits for them.

This is also the reason why when the bank was first planned to be established, Zhu Youxiao named it after Huahui instead of Daming or Royal.

"Tianjin is going to set up an external port, and the Tianjin Thirteenth Bank is also planning to set up one."

Zhu Youxiao put down the tea cup, looked at Wang Sheng and continued: "Tianjin will undergo different changes in the future. Huahui Bank's branch in Tianjin must focus on development in the future, involving the share of credit. The correspondence can be mentioned to the superior, and the relevant documents and files can be taken away by the uncle to discuss with the internal staff to see how the Tianjin semicolon should be defined."

"The minister obeys the order."

Wang Sheng bowed in response.

"One more thing."

Zhu Youxiao thought for a while, stretched out his hand and said to Wang Sheng: "I own half of the silver stocks in Tianjin Thirteen Banks. I plan to take out part of the silver stocks and let Huahui Bank subscribe for them. This is a sure-profit deal. It's Continuously profitable financial resources.

I have two options. One is to price 50% of the bank's silver shares at 600 taels, totaling [-] million taels, and transfer them to internal funds in three years, with interest calculated separately.

One is to wait and see, or to buy [-]% silver stocks from various banks. As for the price, it can only be determined based on the situation at that time. This can also be regarded as a profit concession from me to Huahui Bank. After uncle Guo returns, we can discuss it internally before making a decision. . "

"Your Majesty, it may be difficult to pay off 600 million taels in three years."

Wang Sheng hesitated a little, looked at Zhu Youxiao and said: "Currently, Huahui Bank has a total of 723 million taels of silver deposits in various places, most of which are concentrated in Beijing, Tongzhou, Tianjin and other places, and most of them focus on one-year interest savings. The annual and five-year interest savings are small. Huahui Yinhao’s main bank has 800 million taels, but commercial loans, credit and other businesses are doing well in these days, of which commercial loans account for 300 million taels of silver, and credit accounts for 200 million taels. The interest rate is much higher than savings interest rate, but much lower than high-priced private loans, which is also..."

"The things I have proposed are for you to consider and discuss. They are not mandatory."

Zhu Youxiao smiled slightly and said: "I just think that Huahui Bank is developing well. Otherwise, the banking stocks of Tianjin Thirteenth Bank that I hold will not be sold to the outside world. Okay, I still have government affairs to deal with, and the country Uncle, please step back first."

"My minister retire."

Although he left Dongnuang Pavilion, Wang Sheng's thoughts were still on the Thirteenth Line of Tianjin. Wang Sheng always valued the emperor's decision the most, not only because of his identity, but the most important point was that the emperor made it clear. Decision-making, once it is actually implemented, will have considerable changes.

Whether it is a convenience society or a Huahui bank, its development and income are obvious to all. This has also made Wang Sheng the title of the God of Wealth among the people. Countless people want to visit Wang Sheng every day.

"My lord~"

Not long after Wang Sheng left, Liu Chao, the admiral of the Da Neixing Factory, walked into Dongnuan Pavilion with his head lowered and reported to Zhu Youxiao who was busy at his desk.

"Some matters involving the Tianjin No. [-] Bank and Tianjin Port have been disseminated internally to the outside world. There are many people talking about this matter in the capital."

"Where is the minister in the court?"

"The Ministry of Revenue was the first to get the news, and the Cabinet and other ministers also knew about it. Now many courtiers are criticizing the matter and saying..."

"What did you say?"

Zhu Youxiao put down his imperial pen and looked up at Liu Chao.

"It is said that the foundation of the country cannot be shaken. The Ming Dynasty has always emphasized agriculture and suppressed business. If the court allows such things to happen, the stability of the country will become a laughing stock."

Liu Chao had the courage to suppress his fear and report to the emperor truthfully.

"This is probably because they are afraid of touching some vested interests."

Zhu Youxiao sneered and said: "Continue to pay attention to this matter. By the way, let's spread the word that Huahui Bank wants to intervene. Do your job beautifully so that no one notices anything."

"The slaves obey the order."

Liu Chao was busy bowing and saying goodbye.

(End of this chapter)