Crazy at the end of the Ming Dynasty

Under such circumstances, of course Ma Shouxin couldn't immediately agree to Wu Shigong, and he was not the one who could make decisions in the Ma family, so he could only vaguely and perfunctory Wu Shigong, and then changed the subject.

After a few more pleasantries, Ma Shouxin left.Wu Shigong didn't know how much his words would affect Ma Shouxin.He only felt that he had now become a combination of military officer, civil servant, diplomat and businessman.Even for this kind of business attraction, I will work hard a few times when I have the opportunity.If this continues, I will really become a workaholic!

Wu Shigong didn't leave the city until Tao Xin came back happily.Seeing Tao Xin's flowery face all the time, Wu Shigong couldn't help feeling angry again: "Xiao Xinzi, how much money did you use to buy the gift this time?"

"73 taels, I bought a pair of pendants and bracelets..."

"Stop, stop!" Wu Shigong immediately stopped Tao Xin from reporting the running account, and he became even more angry, "You can spend money if you are extravagant? It's been so many years, but I haven't seen you buy some for my master." What a decent gift! Hmph! Anyway, you spent your own money, and I didn't promise to marry Xiaojie to you."

"How can that be done!" Tao Xin blurted out immediately, "My mother said that she has prepared the dowry."

"Stinky boy!" Wu Shigong couldn't hold back any longer.He smiled and raised the whip in his hand as if to hit Tao Xin.And Tao Xin also knew that he had said something wrong, so he pulled his horse's head away with a smile, causing the guards around him to laugh and laugh.

Seeing Wu Shigong was no longer angry, Tao Xin returned to Wu Shigong's side, and said with a flattering smile, "Master, I will return the twenty taels of silver to you first!"

"Don't worry! Put it here with you first!" Wu Shigong said with a smirk, "We will pay it back together when we return to Runing. Anyway, it's not without interest, borrow 100 taels and pay back 200 taels!"

"Master, you are too cruel!" Tao Xin exclaimed exaggeratedly.Then he smiled coquettishly and said, "That disciple can use the food stamps around him to discount first, can't he?"

"Forget it! Forget it!" Wu Shigong had no choice but to deal with such a rascal like Tao Xin, and said angrily, "I don't know who you learned this from. But you brat also has to learn how to live! Hide the food stamps well, it is best to deposit them in a bank, that is to say, it is safe and you can earn some interest.”

"Can the bank store food stamps? Can it also earn interest? Master, why don't I know?" Tao Xin scratched the back of his head with his hands, his face full of confusion.

"Why not?" Wu Shigong couldn't be sure for a while.

When the Four Seas Bank was established, Wu Shigong regarded the bank as a modern bank, so he thought it was only natural for the bank to attract retail investors and give interest on deposits.

However, it is also because Wu Shigong is only focusing on the sum to set the general direction, so at that time, the specific affairs of the Four Seas Bank were also carried out by Yuan Xingshan and other senior officials of the Runing Army.And Wu Shigong has completely delegated power to manage the property in the inner house, so he didn't know that the banks of the Ming Dynasty did not accept retail deposits, and the deposits had no interest and even had to pay silver storage fees.

Of course, this is also related to the social situation of the Ming Dynasty at that time.The polarization between the rich and the poor in the Ming Dynasty was quite serious.Poor families have no spare money at all.And those who have money and power, they are willing to lend usury with high interest; but those who have money but no power, they are willing to melt their silver into big silver ingots and big silver balls and bury them in their homes.Because the banks in the Ming Dynasty were also opened by people with backgrounds.Credibility is like that, as long as there is a chance.They may swallow all the money that has money but no power.

Therefore, the banks of the Ming Dynasty had no market for deposits at all.Only those traveling merchants were obliged to do some business of issuing bank notes for the convenience of portability.Of course, there is another market for the silver bill business, which makes it much easier to bribe officials. A few silver bills are better than a few boxes of silver to deceive people.

But Runing Army is a little different here.At least in the area controlled by the Runing Army, because of Wu Shigong's long-term trustworthiness.Therefore, the credibility of Sihai Commercial Bank and Sihai Bank is quite high, and the long-term high military and labor salaries of the Runing Army have also caused a considerable number of military families and craftsmen families in the Runing Army to become middle class, and they also have surplus money in their hands. .Therefore, the current Four Seas Bank has the conditions to carry out savings business.

So Wu Shigong got to know the guards around him again, and when he found out that the Four Seas Bank did not carry out savings business, he planned to open it.

Will my own Runing Army pay through the Four Seas Bank in the future?When those soldiers and craftsmen are receiving their salaries, let the staff of the Four Seas Bank mobilize those soldiers and craftsmen to deposit the surplus money that is temporarily unused into the Four Seas Bank, and the Four Seas Bank also gives them a certain amount of savings interest?Can this create a mature new market for savings and loans?

Wu Shigong's knowledge of the modern financial industry is not very complete, but he knows that the methods used by the modern financial industry must be good methods that have been practiced for a long time.Then try it out when you get back.As for the formulation of specific regulations, Yuan Xingshan and the others were troubled.

Wu Shigong made an estimate like this, if his Sihai Commercial Bank can absorb more than 3000 taels of silver every month, and his Runing Army saves more and squeezes out some silver, then he doesn't need to borrow money from outside, as long as he pays Sihai If the interest on the bank loan is maintained for more than half a year, the financial crisis can be solved by self-reliance.

Of course, there is another problem, that is, the fixed exchange of food stamps and silver.Now the food stamps of the Runing Army can be said to be a grain standard system, which follows the price of food in the market, and the exchange of food stamps and silver fluctuates greatly.If savings business is to be carried out, the silver standard system must also be implemented for food stamps.Otherwise, it is easy to be exploited by businessmen.

However, there are still two problems with the function of food stamps: the supply of food quotas in the areas controlled by the Runing Army and the issue of subsidies to members of the Runing Army.But that's all a technical issue.Compared with the resolution of the financial crisis, those are minor problems.

But as soon as this fixed thinking was broken, Wu Shigong felt suddenly enlightened.A broad avenue suddenly appeared in front of his eyes.

Is it possible to set up a stock exchange?Let the stocks of industries in the area under your control flow freely?How about adding a new source of income from stock transaction tax for your Runing Army?

Is the insurance industry introduced to prevent the financial turmoil of the Runing Army caused by the Sihai Commercial Bank and Sihai Bank robbery?

Is it possible to introduce agricultural product futures trading in order to prevent the impact of the disaster on farmers?

Even in order to open up new territories and reduce the pressure on raising an army, how about imitating the model of the East India Company in the West and establishing a joint-stock armed land reclamation military-commercial integration group?

Of course, in order to cultivate these new industries, the Runing Army may not benefit much at the beginning, and even need to pay some cultivation costs.The Runing Army cannot allow too much speculation to prevent an economic crisis from destroying these nascent industries all at once.

But as long as you stick to it, those are some cows that can give birth to golden bulls!As for the specific implementation issues, let Yuan Xingshan and the others consider it.As for what unexpected situations will arise during execution?At most, it would be to overthrow and start over, and it would never be worse than the almost bankruptcy of the Runing Army this time.

Wu Shigong didn't know that his whimsical ideas now made Ru Ning a world-renowned financial capital in the future.It was not until more than [-] years later that it was gradually caught up by another financial capital, Songjiang Prefecture.

And in the process of execution, it also created a group of rich locals in Runing.Among them, one of the first batch of people who ate crabs was Wu Shigong's old acquaintance, Madam Li, the bustard.Her brothel chain was also successfully listed on the stock exchange for the first time, and gradually developed into a well-known entertainment giant in the Far East.

However, when Li's mother asked Wu Shigong, one of the shareholders, to give a name to her entertainment listed company, Wu Shigong's bad taste came up again.He named it a very foreign style, but no one could understand it at the time——Hollywood. (To be continued..)