Rebirth of Zhu Di's son

Chapter 114 Royal Bank of Ming Dynasty ([-])

"This boy knows."

Gao Lin said: "Banks earn interest income from external loans, so the bank's main input is loan interest."

"Yes, there is loan interest as input. Let's not talk about whether anyone dares to deposit money into my bank, Bai. Let's talk about lending. If someone comes to our bank to borrow 10 taels of silver yuan, how to ensure that the loan is Can the money be recovered with interest?”

Bai Jinfu asked again.

Gao Lin was speechless for a moment.

They are all good and law-abiding citizens, and it is impossible for them to engage in violent debt collection. If they really encounter a situation where they borrow money and fail to repay it, they can only report it to the government and ask the Yamen for help.

Bai Jinfu said: "If we can't get it back, wouldn't we lose both our capital and profit? This is only 10 taels. What if it's 30 taels, 50 taels, or even 100 million taels?"

Gao Lin suddenly understood and finally understood the key to opening a bank.

He knew that even if all of Bai Jinfu's current wealth were thrown into it, he probably wouldn't be able to open a bank.

The Royal Bank is backed by the imperial court and is a royal property. People all over the world do not have to worry about not being able to withdraw their money after depositing it in the Royal Bank.

Thinking about the notorious Jin Yiwei, you know that Royal Bank will not be afraid that the borrower will not pay back the money when it is due.

Except for those who are not afraid of death or are looking for death, who would dare to borrow money from the Royal Bank and not repay it?

"It's really a sin to almost miss the boss. I'm willing to be punished."

Gao Lin immediately stood up, bowed and confessed his crime.

Bai Jinfu smiled and said: "Haha, Xiaolin, don't be afraid. Sit down quickly. Just because we don't have the strength to open a bank now doesn't mean we won't have the strength in the future."

When Gao Lin heard this, he instantly regained his previous energy.

After he sat down again, his eyes were bright and he asked: "What clever idea did the boss come up with?"

"It's not a brilliant move, it's just a matter of everyone adding fuel to the fire."

Bai Jinfu smiled and said: "Nowadays in the capital, the two owners of the famous Xu Ji Baozi Shop and Sitong Inn have hundreds of shops under their names, and their respective wealth is probably no less than one million yuan. I think, They should be interested in opening a bank."

"Boss, haven't we joined the Sihai Merchant Gang? Why don't we invite the leaders of the Merchant Gang to join this matter?"

Gao Lin hesitated for a moment, but finally couldn't help but speak.

"Zhu Gang Leader Shenlong is always busy, and it's not easy to meet him. What's more, I've known Gang Leader for so long, and I've never seen him go against the imperial government's national policy."

Bai Jinfu thought slightly.

He has been a member of the merchant gang for a long time and knows that the leader of the Sihai Commercial Gang is originally named "Zhu" and the deputy leader who is usually in charge of the core affairs of the gang is named "Ouyang". Both of them have public backgrounds.

Since Zheng He's voyages to the West, the gang members have never seen Deputy Gang Leader Ouyang, so many people in the gang are spreading rumors that Deputy Gang Leader Ouyang is Captain Ouyang Lun, the consort who followed the Ming Dynasty ships to trade in Southeast Asia.

If the deputy gang leader is really Ouyang's consort, then the gang leader must be a member of the royal family. Otherwise, who would dare to pretend to be "Zhu" in the capital?
"I estimate that after the Royal Bank officially opens this time, the gang leader will be the first to send someone to make deposits. It will be extremely difficult to get him to partner with us to open a private bank."

Bai Jinfu thought about it carefully and then said.

"I just said it casually when I approached the two shopkeepers Xu and Liu to jointly open a bank. Don't think that we can open a bank if we have money. If the yamen doesn't apply for business certificates, we won't be able to open it. Therefore, I plan to Let’s wait and see for another year and a half.”

Gao Lin picked up the teapot, added half a cup of herbal tea to the teacup in front of Bai Jinfu, and said respectfully: "I have some spare money in my hand, and I plan to deposit it in the Royal Bank to increase the interest. What does the boss think?"

"Haha, you look so honest and honest, you're a thief!"

Bai Jinfu said with a smile: "It is spare money anyway, and idle money is idle money. Just save it, and be sure to find out the interest rates corresponding to different deposit periods, so you can choose the most affordable deposit period."

After a pause, he rolled his eyes slightly and continued: "If we open a bank in the future, we must first figure out how the bank operates. Isn't the Royal Bank's Shangyuan Branch recruiting workers? I plan to let you apply for a job as a waiter. Man, what do you think?" Gao Lin wanted to refuse, as he would have to give up his identity as bank keeper, but in order to go further in the future, he decided to take the risk.

"Young man, all you have to do is follow the boss's orders."

at the same time.

In the capital city, the back hall conference hall of the Ming Dynasty Royal Bank Head Office.

Zhu Gaoxu sat in the main seat.

The first chair to his right sat Xia Yuanji, the left minister of the Ministry of Finance, and the second chair, Lian Zining, the left minister of the Ministry of Industry.

The first chair to his left is Zhuo Jing, the right minister of the Ministry of Revenue, and the second chair is Zhao Yi, the right minister of the Ministry of Industry.

"I have summoned all the ministers here today to discuss two important matters."

Zhu Gaoxu got straight to the point.

"The first is that the printing technique of the banknotes needs to be improved by the Ministry of Industry. It is now the first year of Yongle. The second edition of the banknotes needs to add the icon of the father and the emperor, and the original anti-counterfeiting marks also need to be further improved. If it's new, it's best to add one or two more anti-counterfeiting points."

Zhu Gaoxu's eyes swept across the faces of Lian Zining and Zhao Yi, and asked: "Lian Qing, Zhao Qing, do you two have any objections?"

"Your Highness, the Crown Prince, the first edition of gold banknotes issued by the imperial court last year was the Hongwu 30th edition. Because the production process is complex and time-consuming, the number of gold banknotes that can be produced each month is limited."

Lian Zining stood up slightly, raised his hands and said respectfully.

"To make the second edition of gold banknotes, you need to add the current holy image, which is equivalent to carving a brand new gold banknote stamp. To make a qualified and usable stamp, I am afraid it will take no less than Three months.”

"If you can't do it in three months, then it will take six months to do it. Gold banknotes are no better than silver coins, and their huge face value is worth the effort of the Ministry of Industry."

Zhu Gaoxu said expressionlessly.

He knew that the Ming Dynasty in history was not without advanced technology for making banknotes.

In fact, as long as the imperial court refers to the craftsmen and farmers of the Qin and Han Dynasties who awarded titles based on their merits, and rewarded those who improved coinage, firearms and other technologies with money, land, and official positions, it would inevitably promote the improvement of the scientific and technological level at that time.

However, the Ming Dynasty did not do this in history, so that more than 100 years after the founding of the Ming Dynasty, its technological competitiveness lagged far behind the West.

After the fall of the Ming Dynasty and the establishment of the Qing Dynasty, in order to maintain its dominance, the Qing government tightened control over scientific and technological inventions, which led to its eventual decline.

Although with the current technological level of Ming Dynasty paper money manufacturing, making a batch of exquisite gold banknotes not only requires a lot of time, but also is very labor-intensive.

But this move is not meaningless, because as the cost of construction increases, the value retention rate of gold banknotes will increase accordingly.

"I will ask my father to refer to the stories of craftsmen and farmers in the Qin and Han Dynasties who were awarded titles based on their merits, and to reward those who improve the skills of coinage, banknote making, artillery, firearms, etc. with money, land, and honors. No matter where you come from, no matter your age, Regardless of gender, everyone is within the scope of this reward!"

Zhu Gaoxu said loudly.

"Secondly, Royal Bank's various businesses have been operating normally for more than ten days. During this period, the bank encountered a lot of troubles, but with Xia Qing and Zhuo Qing here, all problems have been properly handled."

"Therefore, in response to the various problems that occurred in the past, it is necessary to formulate a management regulation that covers all personnel working in the bank. This regulation must be targeted and the content of the regulations needs to be designed according to the functions of different positions."

Zhu Gaoxu looked at Xia Yuanji and Zhuo Jing and asked, "Xia Qing, Zhuo Qing, do you two have any objections?"

Zhuo Jing was the famous talented man in history who secretly advised Jianwen Emperor Zhu Yunwen and suggested that the imperial court move Zhu Di, the king of Yan, to Nanchang.

"I have no objection, I should act as ordered." Zhuo Jing stood up slightly, cupped his hands and saluted.

Xia Yuanji also stood up, bowed in salute, and said respectfully: "I accept my order."

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(End of this chapter)