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Chapter 429 Bank 4

Opening a bank does not require greeting the courtiers, let alone their consent. It is estimated that they do not know what a bank is. As for whether it is possible to set up a bank without a monetary system, this requires a detailed analysis of the specific situation.

Banks are just a general term. They can be divided into many types according to their business scope, such as central banks, commercial banks, investment banks, etc., with different functions and roles. What Hong Tao wanted to build did not belong to any of the above types, and would be called a policy bank in later generations.

According to the written explanation, policy banks are established with state funding and are not for profit. They are specifically designed to implement and cooperate with government economic policies or intentions, directly or indirectly engage in policy financing activities in specific business fields, and serve as government development banks. Economy, promote social progress, and carry out macroeconomic management tools.

You may still not understand it just by looking at the words, so let’s give an example. For example, the Agricultural Development Bank of China, note, is not the Agricultural Bank of China, but the Agricultural Development Bank. Its main business is credit and financial services for rural areas and farmers, including rural investment, agricultural product processing, etc.

You see, the government has formulated a policy specifically targeting a certain industry, and plans to invest funds from the state to support it. In order to be more efficient and convenient, it created a bank to do this specifically.

Although this is a financial method of later generations, and if it is completely copied to the Ming Dynasty, it will definitely lack the corresponding financial environment and conditions, but it is not completely useless. A slight change can still have a relatively obvious effect.

Specifically, Hong Tao thinks that the promotion of the New Deal is too slow. If it continues at this pace, Guangdong and Fujian alone will have to wait for about ten years to complete their industrial and commercial layout and allow locals to switch from traditional agriculture to Gradually come out of the social thinking mode.

The Ming Dynasty had two capitals and thirteen provinces. Even if Guangdong and Fujian could be used as a template to train a sufficient number of middle- and lower-level officials, it would probably take fifty years or more to completely change the other provinces.

Hong Tao himself is not short of time and is willing to wait for a hundred years, but some people can't wait, such as the Jurchens, Mongolia, Japan and European countries. If we don’t improve the domestic economy, redistribute wealth, and promote social stability, how can we deal with external threats?

In order to speed up the New Deal, it is not enough to coax the bureaucrats and gentry to invest in building factories, and Hong Tao does not want them to occupy too much share, otherwise it will still be a big trouble in the future.

But the reality is cruel. If you don't pull them into shares, you can't find large investments. Some farmers, craftsmen, and small businessmen are willing to set up factories, but they lack funds and can only watch the opportunity to get rich slip away before their eyes.

If an institution can issue targeted loans to these people in the name of the private sector, it will not only solve the problem of slow development, but also earn some interest, and by the way, lay a solid foundation for the new economic system, at least in one fell swoop. Three gains.

Then why doesn't Hong Tao directly issue such loans to the whole society in the name of the royal family? Who dares not to repay the money owed to the royal family? In fact, not paying back the money is a trivial matter; whether anyone dares to borrow it is a big problem.

Don’t forget that this was the Ming Dynasty where imperial power was supreme. No good person would dare to borrow money from the emperor and spend it. Even if the terms were agreed upon in advance, no one would dare to believe it. What is golden words? What does export become a constitution? Any agreement may become a piece of waste paper in front of the emperor, leaving no room for reasoning.

If this money comes from internal funds, it will also trigger covetousness from the bureaucratic gentry group. They are much more courageous than the common people. If they don’t have money they don’t dare to take out, they will do everything possible to get loans. Then the cake of the New Deal becomes their meal again.

"Silva, I plan to ask you to return to Spain and bring a letter to the king."

Before the bank issue was fully discussed, Baron Silva was taken to the school classroom. Hong Tao asked the Baroness to wait in the Qingfu Hall first, and he and Wang Chengen went to the school grounds again. After the meeting, they didn't waste any time and directly stated their request.

"...Thank you to Our Lady, thank you to Your Majesty. Please believe in my credibility. As long as I can set foot on Spanish soil, the king will definitely see your Majesty's letter. I am willing to guarantee it with my life!"

As soon as he heard that the emperor was going to let him go back to his country, Baron Silva was stunned for more than ten seconds, blinked and said nothing. He probably didn't have enough brain capacity to figure out why the luck came so suddenly. After finally reacting, he immediately swore to the sky.

"Well, very good. Someone will pick you up and take you to the port tomorrow. I wish you a safe journey!" The emperor waved his hand casually, indicating that the conversation was over. "Your Majesty, Ojani will meet me at the port, right?" Since he was speaking in Latin, Silva seemed to hear something wrong. The emperor has been talking about you, not you.

"Oyani? No, no, no, she won't go to Spain. There is only one spot, and she recommended you to me. She promised me to stay here forever and become a subject of the empire."

"But, we are husband and wife, and we have a daughter... Your kind Emperor, please let her return to Spain with me. She is everything to me, and I don't know how to live without her!" Now! Silva was dumbfounded and opened his mouth. It took him a long time to muster up the courage to beg the mysterious Eastern Emperor.

"There is a reason to keep her. I want to establish a bank in the empire, and she happens to be familiar with banking business. Otherwise, you can stay and let her go back to Spain. Didn't you say you were a bank manager in the Viceroyalty of New Spain?"

"I...I, my bank manager is fake...No, no, no, it's not fake. It's just that Oyani is doing many things. I... am not very familiar with banking business." Facing the emperor Given another option, Silva still looked sad and even a little incoherent.

"As a man, I understand and sympathize with your situation. Now there is one last chance to choose between Onya and you, who should be allowed to return to Spain. If you don't give an answer right away, then this This opportunity will be wasted, and you will live together in my empire forever."

After a few words of chatting, Hong Tao was partially certain that the Baroness was telling the truth, and he was even more reluctant to let her go. However, he also wanted to test the baron's character to see if he could be trusted.

"My daughter cannot live without her mother. Please let Oyani go back. She will be of greater help to the family."

Silva didn't hesitate for too long this time and gave the answer quickly. But his expression was very sad, and there was obvious hatred in his eyes. However, he was not very courageous and never dared to look at his enemy.

"Congratulations, Your Excellency, Baron, for marrying a wife who can share joys and sorrows. Please tell the Baroness that the idea of ​​returning to Spain has never existed. It is a trick I played. If you want to see your daughter again, it is best to follow my instructions. If you want to do it, you should do it well.

If nothing else happens, in a few years you can return to Spain with a large salary to visit your daughter. Maybe by that time, you will choose to stay and take your daughter to live with you.

Regarding your title and family property, give it up. Compared with the wealth and status you are about to obtain, it is not worth mentioning at all. Don't forget, I am the emperor of the largest empire in the East. Instead of being frustrated in Spain, it is better to try a different environment.

As long as you handle the bank affairs well, you will have titles, wealth, and more at your fingertips. Your wife is right when she says that there are indeed not many choices for prisoners.

Wang Chengen sent someone to send them to the Europa Temple together. Pick three of the geckos with the best math scores and go together. You can move around in the inner city on weekdays, but you have to keep an eye on every move. "

This answer surprised Hong Tao. After living several lifetimes, he actually saw the legendary love. Faced with the decision of life and death, he was still willing to regard the other person as the more important half. It was so rare.

At the same time, I also felt ashamed. If it were me, I would have agreed, and then I would have to pull the ancients out to back him up. Why do they fly away when disaster strikes? How about a gentleman who takes revenge after ten years?

Those with good qualities should be rewarded. The problem of separation between the two places should be resolved first. The church built by Matteo Ricci outside the Beigong Gate happened to be empty and useless. From this moment on, it was the home and staff dormitory of the bank manager and his wife.

(End of this chapter)