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Chapter 427 Bank 2

To train bank staff, did Emperor Hong want to establish a bank in the Ming Dynasty? Yes, the banking system is an important link in the Ming Dynasty's revival plan. To be more precise, it is the catalyst for the New Deal and is an indispensable element.

The core of the New Deal is to enter preliminary industrialization, using more advanced tools to significantly increase the labor force based on the original population and land area. Then the cake will naturally grow bigger. As long as there are not too many people eating the cake, the entire society will definitely become rich in a short time.

But if we only rely on joint ventures with the emperor to run factories, or only rely on old bureaucratic capital to run factories, the shortcomings are relatively large. First, it’s slow. The bureaucrats and gentry will not be able to understand what industrialization is for a while. Most of them are in a wait-and-see state. The amount of funds invested is limited and cannot achieve the effect of starting from point to point.

Second, it has serious side effects. Once the bureaucrats and gentry understand this and begin to invest on a large scale, according to their original habits, in addition to funds, power will also be involved.

That would still be a short-term effect, and within twenty or thirty years at most, the results achieved by the New Deal would be largely controlled by the bureaucracy. How the land was annexed, the factory will have the same fate when the time comes, it's just another way of saying it.

If you want to prevent or delay this side effect, you must find a way to decouple money and power. If these two things are separated, they may become angels, but if they get closer, they will immediately transform into devils.

Since Hong Tao is a time traveler, it is impossible not to understand this truth. But he didn't want to stop eating because of choking, so he had to speed up when he needed to. Therefore, establishing the Ming Empire's banking system became the only option.

The word bank originally comes from the Italian word banca, which refers to a long chair, which was a common office equipment of Venetian money changers. After it spread to the UK, it was changed to Bank, which means a cabinet for storing money, which is very close to practical.

In fact, the word bank is more vivid in Chinese. Silver has been used as currency in ancient China for hundreds of years, and people are engaged in silver-related industries all day long. The abbreviation is naturally bank.

Will there be a bank in the Ming Dynasty? It depends on how it is defined. If it has the functions of deposit, withdrawal and currency exchange, there should be banks in the Ming Dynasty called Qiandian, also known as bank accounts, exchange shops, banks, money shops, money shops, money stalls, etc. The names are different in different places.

They appeared roughly in the mid-Ming Dynasty, and were originally used to deal with the wide variety of coins of different qualities, including the casting of counterfeit coins. Later, with the influx of silver, the exchange business between gold and silver, silver and copper, precious metals and treasure banknotes was opened.

In a few large-scale stores that operate in other places, there is also a ticket business. Deposit silver in one place, and take the issued bill to a bank in another city to exchange for the same amount of silver.

But banks have little effect on promoting the New Deal, so banks have to be brought out. Hong Tao wanted to work in a bank when he sent Li Zhi to Guangdong, but he couldn't find a suitable candidate after much thought. If you want to preside over this work, you need not only mathematics and accounting, but also the concept of banking.

No, just as I was about to fall asleep, someone handed me a pillow. He robbed a Spanish silver ship and took two Spanish bank staff with him. What's more, Baron Silva ran a bank in the Viceroyalty of New Spain.

As the ancients said, gold always shines. The ancients said again that a thousand-mile horse is easy to find, but a bole is hard to find. With Emperor Hong as a great talent, Baron Silva has to become a thousand-mile horse even if he is not a thousand-mile horse, even if he loses one step, it will not be enough.

"...Can you first tell me how Silva can serve His Majesty the Emperor?" The Baroness is not only more beautiful than her husband, she is also much more thoughtful and courageous. As a prisoner, she actually dared to bargain with the Emperor.

"Become a bank manager!" Hong Tao didn't think this woman was too wordy, but instead recognized her ability more. If you agree without even knowing what to do, it means that you have no intention of completing the work seriously at all, and are just passively perfunctory due to the current situation.

"Bank...as far as I know, there doesn't seem to be a bank in your Majesty's country, right?"

"As long as Silva agrees to my employment, he will be the first manager of Imperial Royal Bank!"

After being a prisoner in the palace for less than a year, he was actually able to find out the minister's salary and whether he had a bank. He had some brains and skills. There is no need to go into details as to who revealed it. The eunuchs and maids certainly did not. The biggest suspect is the queen. "His Majesty the Emperor may not know that my family is more professional in banking business. To be precise, it was my family that brought banks from Venice to Spain." Upon hearing this answer, the Baroness's eyes not only shone. , the whole person with his head held high was suddenly full of confidence and pride.

"... Just tell me, as long as it's reasonable, I'll consider it." This is the first time Hong Tao has heard of this situation. From the look of the woman, she definitely doesn't intend to chat about family matters, so let's go straight to the topic.

"Let Silva return to the country, and I will stay to build a bank for His Majesty the Emperor!"

"What the hell... Oyani, you must believe me. Now is not a good time to show your love and loyalty. Even if I allow Silva to return to the country, his marquis relatives are willing to help. Do you think the king has the ability to send troops? Are you coming thousands of miles away to find me asking for someone?

The most likely scenario is that he spent the money on someone else after he returned to China, but it ended up having no effect, and you may never be able to go back. There is a proverb in my country, husband and wife are like birds in the same forest, but when disaster strikes, they fly separately. He will take another wife and forget about you. "

This lie is a bit low-level. Hong Tao does not think that the Baroness has a low IQ. On the contrary, she is smarter than the average person. But why would she make such an unreliable request?

"...Please forgive me, we lied to His Majesty. In fact, Silva has no blood relationship with the Lerma family. His family is very small and not rich. It was I who encouraged him to go to the New World to serve, and I also asked him to bribe him. A distant relative of the Duke of Lerma and the governor of New Spain, received the position of governor of Manila.

We also have a daughter in Spain who is being raised by Silva's aunt. If she disappears forever, the family's land and title will be taken back by the king, and little Julie will lose everything. Your merciful Emperor, please let Silva go back for the sake of the child, and let me stay here to work for you! "

This is a good question. If you can't explain it clearly, then everything you said before is just a lie. The Baroness finally became a little nervous and wrung her hands together for a while before speaking. As he spoke, his gray-black eyes were filled with water mist, which gradually condensed into a string of water drops and rolled down.

"Wang Chengen, send someone to take Silva to the classroom! Oyani, you have one last chance to withdraw your request. No one is irreplaceable here. Cheating is regarded as the most intolerable evil. Will life threatening."

Whether the Baroness's true confession is believable or not can be easily verified by calling Baron Silva and asking him alone. One of them lives in the harem and the other lives in Nanhaizi. They haven't seen each other for half a year, so it is unlikely that they will collude in confession in advance.

"I insist!" But the Baroness did not cherish the last opportunity and simply rejected the emperor's kindness.

"Well, I hope you didn't deceive the Emperor again. Before Silva arrives, we can talk about the bank first. I will first talk about what goals I want the bank to achieve. There are roughly three points.

First, we will issue mortgage loans to people who open factories in various places. I will give very specific figures on the specific mortgage amount and loan interest rate.

Second, deposit and exchange services are open to everyone, and deposit interest rates also have specific figures.

Third, we need to build branches to realize remittance in different places. There is no need to ask for more at the beginning. We will first connect Guangzhou, Fuzhou, Ningbo, and Tianjin.

If you become a bank manager, do you have anything to ask or any suggestions to make when faced with my requirements? "

Seeing the attitude of the Baroness, Hong Tao had already made a rough judgment in his mind. She was probably telling the truth. Lying like this can be easily exposed, and the smarter a person is, the less likely he is to make a desperate move without any certainty.

In this case, don't waste time. You said you are very familiar with banking business, so let's talk about something professional and see if you have found the right person and whether he has the ability to be the manager of Imperial Bank.

(End of this chapter)