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Chapter 448 This bank is not that bank

Whether these two entrepreneurs can get what they want from Sun and Moon Bank depends on whether they meet the conditions for venture capital and installment loans. But just like them, there are definitely not a few people in the Ming Dynasty who started from scratch and came up with a sudden whim.

And as Sun and Moon Bank officially opens for business and successively sets up branches in several relatively wealthy cities, more and more customers will be dealing with it. Along with the movement of silver in and out, there is also a change in thinking patterns, which is one of Hong Tao's purposes of launching Sun and Moon Bank.

Through relatively new economic activities, we can help some people with ideas and actions to achieve success first, and then through their words and deeds, more people can fundamentally change their thinking and accept new things faster.

This subtle change will naturally lead more people to join in the promotion of the New Deal, forming a turbulent undercurrent that is invisible and intangible, and changes life every moment.

Only with the existence of this undercurrent, coupled with top-down administrative measures, can this great empire with a long history be completely changed. At that time, you really don’t have to worry about who will interfere with it. You don’t have to wait for yourself to take action, the new forces will jump out and give you a thunderous blow.

"The empire has exquisite silks and porcelain, as well as a huge area and population, and no city-states have united to oppose it. Your Majesty still thinks it is not good enough?" Sitting in the Qingfu Palace, he kept recording with a quill dipped in ink. Looking at the emperor's ideas, needs and requirements, Baron and Mrs. Silva became more and more confused.

In their eyes, the Ming Empire was stronger and richer than all the countries in Europe. The most important job as an emperor was to work hard to maintain the status quo. It was better not to develop than to be in chaos, rather than to make deliberate changes or to make fundamental changes. .

"There is a famous saying here, people who have no long-term worries must have short-term worries. It is normal for the people to muddle along, but as an emperor, you should not just focus on the current situation and be complacent. To do so is dereliction of duty, a shame, incompetence, and Serious crime!

You have only lived here for a short time and have seen very few places. You have no idea of ​​the helplessness and sorrow of the people of the empire, let alone the huge crisis hidden around the empire.

If I don't make major changes, it shouldn't be a problem for the empire to maintain the status quo for a few more decades. However, the crisis will become more and more serious and the country will become weaker and weaker. By then it will be too late to change.

There is another famous saying that goes like this: If you don’t advance, you will retreat. If you look away from a certain country and look at the world, you will find that all countries are swimming against the current. Whoever gets tired or stops will fall behind.

From a personal perspective, the world is a big place with inexhaustible supplies of all kinds of materials. But from a national perspective, the world is small, and some materials are limited. Even if they can be distributed equally, they cannot be evenly distributed, because the relationship between countries is competition. Whoever falls behind will gain little or even nothing.

To take the simplest example, the Kingdom of Spain was the first to enter the Americas and discovered a large amount of silver there. Have the King of Spain and the Spanish people thought about distributing these resources to the world?

Absolutely not. Not only will they not distribute it to others, they will also deploy troops to strictly guard it and prohibit others from coming to interfere. For this reason, they will not hesitate to start a war. Even if all the resources they obtain are used for war funds and burned up, they cannot allow others to do so. Take away an ounce of it and this is reality.

What I want to do and what I am doing now is to let all officials and people of the Ming Dynasty understand this truth, and then lead them to join this game of grabbing resources and strive to become the winner. "If you want your subordinates to do a good job, in addition to providing generous rewards and room for hope, you must also let them understand all or part of the leader's intentions. Silva and Oyani are now outer core members, He was qualified and necessary to know roughly what the emperor wanted to do, so Hong Tao did not hide his thoughts.

"Your Majesty is an ambitious emperor, and at such a young age, I should feel honored to be your minister. However, in Spain, if the king wants to make a difference like your Majesty, there will definitely be some people who will firmly oppose it, very, very firmly. be opposed to."

In fact, Baron Silva is not a fool, it's just because Oyani is too shrewd that he seems a bit dull. But since he became the financial adviser to the Ming Emperor, even without the title of chief, this Spanish little nobleman went against his normal behavior, no longer being subservient, and began to show his true strength.

He completed the specific details of establishing the Sun and Moon Bank very well. Punching the silver coins into four petals was the finishing touch. Currently, Hong Tao cannot issue new currency in the Ming Dynasty, but using stamped silver coins can slowly cultivate people's habits without attracting too much resistance from interest groups. Perfect!

But there are also some concepts that cannot be completely consistent, such as the functions of banks. Silva believes that banks are there to make money, and you can do whatever you want to do to make money. Therefore, installment loans not only make no sense, but are also prone to hostility.

He could understand and understand what Beijing Debt was, and then after a little thinking, it was not difficult to come to the conclusion that there was a huge chain of interests behind it, and the background was unfathomable.

There is a clause in the installment loan that is specially set up for candidates and Imperial College students who come to Beijing to take the exam. Anyone who has dealt with Beijing debt, as long as they are not stupid or blind, will know that the trouble is coming after reading it twice and thinking about it a little. . Whether intentional or unintentional, it will lead to powerful revenge.

Don't be afraid. The emperor of the empire obviously has much more power than the king of Spain. It is unlikely that the Sun and Moon Bank will be destroyed. But in business, in addition to the upper-level background, the relationship between peers is also very important. If you devote all your energy to fighting, profits will inevitably be affected.

"Hehehe, Silva, you are surprising me more and more. Yes, you will definitely touch the interests of some people, and you will definitely attract opposition. But I am not afraid, but I am very yearning for it.

Do you know what bank I asked you to establish? It is not an ordinary bank, it is fundamentally different from Spanish banks. Making money is not the goal; controlling the empire's economic trends and formulating fiscal rules is the focus.

I gave it a name, called the Central Bank. You are only 35 years old this year. If your luck is not too bad and your work ability is not too bad, you are very likely to become the first governor of the central bank. This is a senior position second only to the finance minister. "

Facing Silva's doubts, Hong Tao couldn't explain all his ideas clearly, but he could draw a picture first. By eating this bread, worries will turn into hopes and fears will turn into longings. In order to make the taste more suitable for Spanish people, I also sprinkled some cheese on it. After all, Spain and Italy are not far apart, so maybe they also like pizza.

(End of this chapter)