Good son-in-law of the Ming Dynasty

It was still a big sun, and it was so hot that people were sweating.

Such weather, coupled with the sound of crackling firecrackers, made the atmosphere extremely warm.

The air was filled with blue smoke, which made people cough uncontrollably.

Today is the opening day of Cangzhou Development Bank, so the yard of Zongzhen's house is naturally regarded by Su Mu as the bank's headquarters, and the two shops of his family also become the branch offices of the bank.

As for the buddies, Zongzhen's twenty or so subordinates can act temporarily.Of course, it's not easy for this group of wild men to be used to it.Su Mu had already written a letter to Boss Lin of "The Wind Into the Pine" in the capital, asking him to help him hire a dozen guys.As for the accountant, he was also asked to recommend two people together, and Princess Taikang is currently in charge.

Not to mention, this female literary youth is not the liberal arts monk of the later generations.This guy is a money junkie at heart and is very sensitive to numbers.

People in the Zhu family have two sets of genes in their bones. One is self-willedness. Once they get angry, they don't care about the world and just want to please themselves.What national affairs, what national peril, all go to hell.Therefore, there have been Kung Fu Emperors such as Zhu Houzhao, cricket emperors like Zhu Zhanji, and carpenters like Tianqi Long Live; It happened that the emperor directly asked the eunuch to go out of Beijing to collect taxes.

People who love money have a specialty, they are very good at settling accounts.

Sitting in the tent, seeing Princess Taikang's slender fingers flicking quickly on the abacus, just like a butterfly wearing flowers, made Su Mu feel dizzy.

The crackling sound of the abacus beads gradually became one piece, like a storm, but it was still ups and downs, as if with a unique rhythm.

Seeing Su Mu staring at her so intently, Princess Taikang called softly: "The fingers of this hall are so soft, Su Mu, seeing this situation, do you feel a sense of poetic excitement? You He’s also one of my top talents, or else, write a new poem and come out and listen to it.”

Speaking of poetry, Her Royal Highness Princess Taikang's eyes lit up.

Su Mu was annoyed: "His Royal Highness, you should write a letter to the capital and say that everything is safe and you can return to the palace when."

"The hall will write when I come down. Speaking of which, I really miss the queen mother after being out for such a long time." Princess Taikang sighed in a rare way: "The hall can only leave when I see the money. Remember to keep it secret, and you are not allowed to say where I am. , otherwise, hum!"

"I have a new poem, Your Highness, please listen to it." Su Mu was annoyed, and deliberately imitated Tianjin dialect, saying: "The abacus is such a dozen, let's not boast about anything else, but praise our Highness Taikang to settle accounts!"

Taikang smiled and said, "Su Mu, you are so interesting, this hall is really reluctant to leave you and go back to the capital."

After laughing, Taikang said: "Su Mu, there were so many people in Jiale Building yesterday, only two of them subscribed for our salt tickets, a total of 11 taels. The one named Bai told you to go first, saying that he wanted to persuade other people Pay the money, and the result... until now, no one has come here at all."

In fact, Su Mu didn't bother to think about what the two of them were thinking.Boss Bai is a native of Cangzhou and has a lot of money. 6 taels is just a drop in the bucket for him. When he buys a ticket, he doesn't expect to get the interest of 6000 taels a year.

As for Xie Jiuwu, he wanted to expand his serious business to Hebei, and just bought a road with 5 taels.

As for the other salt lords, on the one hand, they looked down on this profit, and on the other hand, they didn't understand what this kind of salt ticket really meant.

Therefore, except for these two, everyone else is watching.

Su Mu: "This is just the beginning. Don't worry, Your Highness. The reason why it is called Yanxiao Subscription is mainly to serve as an advertisement. This kind of business has never appeared in history, and it is really difficult to promote. But as long as one shop Open, if you find the convenience of this ticket number, the merchant will pay for it. The key now is how to convince people of this salt ticket, credit, credit is the key!"

To put it bluntly, the salt coupons that Su Mu got were the paper money of the salt standard.Banks are ancient money houses, and money houses are still a new thing in this era. The earliest ticket numbers will not appear until the Wanli year. Therefore, many people don't know how much influence the money houses have on ancient commerce.

In Su Mu's mind, the first step for the Development Bank was to use the official salt from the Changlu Salt Field as a guarantee to issue salt coupons and receive seigniorage; use the savings it absorbed to lend and receive loan interest.In other words, the Development Bank is the embryonic form of the central bank of the Ming Dynasty in the future, and after he entered the cabinet as a scholar in the middle school, he was Greenspan of the Ming Dynasty.

Cangzhou is just a pilot project. If it is feasible and he sees huge profits, he plans to use this achievement to convince Emperor Zhengde in the future to use all the salt farms in the world as collateral to promote the development bank throughout the country, covering all commercial cities.

And through linking with table salt, establish the initial credit currency, and gradually eliminate those messy precious metal currencies and base metal currencies in the market.

The biggest advantage of credit currency is that it can artificially create appropriate inflation and use financial leverage to stimulate the economy. When the country is in trouble and cannot afford money, it only needs to start the money printing machine to borrow money from the people, and then slowly pay it back. That's it.If it is done properly and there are materials as a guarantee, there is no fear of future troubles.

Su Mu was originally a liberal arts student, and he knew everything about economics, but he never underestimated the ancients. In the future, when it comes to specific operations, he will have to find some experts in the field to help.

Princess Taikang gasped: "It's so hot, Su Mu, otherwise, anyway, we have 10,000+ taels of silver on hand, so we might as well spend it all, buy a yard, buy a painting boat, and have fun."

Su Mu was shocked: "This... is ridiculous!"

Princess Taikang said seriously: "As for the surnames Bai and Xie, if there is a quarrel in the future, at worst, once the princess reveals her identity, they dare to chase into the palace to collect debts. Aren't they afraid of punishing the three clans? My majestic princess will make their Silver is supposed to be their blessing, and if others want to give money, His Highness is too lazy to reach out to take it!"

Sweat dripped from Su Mu's forehead.

When dealing with members of the royal family, especially the Zhu Houzhao brothers and sisters, you must always be on guard against their crazy actions.

……

To put it bluntly about the bank, the key lies in credit.If someone deposits a large amount of money in your bank, no one will feel at ease if you change it.

Princess Taikang glanced at Su Mu sideways: "How about the other two points?"

Su Mu: "They're all open for business. I went out for a walk earlier, and there were quite a few people watching the fun, but not many paying money."

Taikang yelled, and said sadly: "What can we do? Simply, let's ship the 11 taels of silver on hand and go back to the capital overnight. If I get it, I can see the queen mother, and you, Su Mu, can go back to the capital." To the side of the emperor's brother."

Su Mu smiled wryly: "That's a good relationship. However, if you said such things a month earlier, Su Mu would leave with you immediately without saying a word. I beg you! But now... if we leave, wouldn't we Master Wu and Zongzhen’s family are in trouble? Don’t worry, Your Highness. After a few days, there should be good news. Although there are many idiots in this world, there are always smart people who can keenly feel the benefits , It is inevitable that there will be people who eat crabs, this is human nature. When the time comes, we have to seize this opportunity."