Daming daddy

Open a bank
What business is the most profitable?Open a bank of course!That's called money begets money.Since you are short of money, open a bank!That's what Wei Ming thought, and that's what he told Zhu Youxiao.What he hates the most now is carrying dozens of taels of silver in his pocket no matter where he goes.Think about it, ten taels is one catty, tens of taels is several catties.Are you embarrassed to go out with not enough 50 taels?That is five catties.Even if it is based on 16 taels a catty, that is several taels.Isn't this nothing to do?Who wants to carry a few kilograms of things on their body when they have nothing to do?Are you tired?Is the good physical condition of the ancients related to this?I really miss the life in my previous life where I only had to carry a card wherever I went.It's amazing that it only costs a few hundred dollars to pack a few sheets of paper.

"Do you think that thing can work? Why do I feel so mysterious?" Zhu Youxiao was a little frightened when Wei Ming mentioned the bank thing.What a deal!Even if all the money in the treasury is poured in, is it enough?If the whole country owes money to the common people by then, it is estimated that he will not be able to sleep at night.How is this different from exploiting the common people?
"Oh, my good emperor, think about it, gold and silver are priceless. The price is artificially added. Now that the whole country is short of silver, we just need to recast silver. You said that five taels of silver is ten Two, he is ten taels. If you say that one tael of silver is ten taels, that’s fine. The reason why Emperor Hongwu promoted banknotes was not because of the convenience of banknotes, but also because the country’s silver was scarce? The reason why it couldn’t be promoted , because the credibility of this thing is low. Why is the credibility low? It is because there is no institution that can guarantee the value of this piece of paper. And the bank acts as this institution. As long as we have enough gold and silver in our bank vault , we can issue banknotes of equal value. People are used to it, and that’s the way it is.” Wei Ming said.It's simple to say, but it's not the case in practice.This requires the backing of a huge state machine.Otherwise, despite the fact that Wei Ming's current family background is quite rich.As long as someone wants to sabotage you, it will be over.But countries are different.Who dares to sabotage, boy, it's boring!Your ancestors in the underworld are calling you, go directly to accompany your ancestors.The introduction of currency is inherently semi-mandatory.Every monetary reform has not been easy.From the original messy currency, such as knife coins, to the later copper coins, then to the gold and silver ingots made into ingots, and then to the later banknotes, it was never easy.

"It seems to be the same reason. But, you say, we have to give money to others when others deposit money in our bank. How can this work? Then aren't we doing a loss-making business? If that's the case, we will always One day I will die." Zhu Youxiao was still a little worried.

"I said, my dearest emperor, what do we need so much money for? They can't have cubs! However, they can't have cubs with us, but it doesn't mean they can't have cubs with others. We can Lend it to others at a higher interest rate! Now usury is rampant, so many benefits for them to give, why? You are the emperor, you have to do it. No matter what you do in your territory If you want to give you benefits, you are called an emperor. Otherwise, what role does your emperor have besides guarding the land and keeping the people safe? It sounds good to be an emperor, but it is not good to say that you are a wage earner for the whole world. It's not flattering, what are you trying to do?" Wei Ming said.

"Then tell me, will someone really come to borrow money?" Zhu Youxiao was still beating drums in his heart.Why do I feel that such a thing is far away, and I am afraid that Wei Ming will put it in a cover, but the white money is beckoning to him, and if I don't do it, I will not be reconciled.

"Actually, Your Majesty, this is also for the sake of the people. Think about it, how many people can't make great achievements because they don't have money? They have a lot of skills to make money, but they just lack capital. And we want to give them this opportunity. If If you don’t have the skills, you can stay with me here. There’s no other way. Who told you that you don’t have the skills and want to be the boss? However, there are more successful people here. Of course, lending them money is not for nothing. There will be time for borrowing, and there will be mortgages. If you don’t pay by then, you can simply take over his real estate? There will definitely be family ruin, but more is for the benefit of the people. Everything has two sides, As long as the good side outweighs the bad side, we have to do it. And there is another advantage of opening a bank, that is, you can roughly estimate how much income our entire country generates in a year. Since there are benefits to be gained, then No one is willing to bury money in the pigsty anymore. Don’t you think so?” Wei Ming continued to induce, but he still had to say what should be said.Banks are not charities, what should be done is what should be done.It is also a good choice to use banks to stimulate economic development.But the root cause is still emphasizing agriculture and suppressing business.However, things have to be done one by one, and it cannot be done overnight.If there are new achievements at sea, then there is no need to work so hard.At that time, people will naturally squeeze their heads and go outside to develop.Don't even think about those farmers, they don't even have the capital if they want to.But the noble family is different.At that time, a large number of honorable and noble families will be able to focus on foreign countries and ease domestic conflicts. Why not do it?

"Brother Huang, I think we should do this. The silver is indeed getting less and less. I don't know why. There used to be a large amount of foreign silver flowing into the country, but now it is extremely decreasing. Think To break through this predicament, the bank is a good choice." Zhu Youjian also joined the gang that fooled Zhu Youxiao.Wei Ming and Zhu Youjian discussed this matter, and they completely convinced Zhu Youjian.Compared with Zhu Youxiao, Zhu Youjian is more adventurous.He only cares about the results, but doesn't pay much attention to the intermediate process.In his opinion, no matter how difficult it is, there will be a way to solve it.No matter how big the hurdle is, there will be a day when it will pass.When the rainbow is seen after the storm, those difficulties will only make the rainbow more beautiful.But Zhu Youxiao is different.I have been cautious since I was a child, and I like to make decisions before doing anything.Now that there is such a big bakery in front of me suddenly, I really don't dare to talk about it.

"No, I have to go to the ministers to discuss this matter." Zhu Youxiao still couldn't make up his mind.After all, this is a major event related to the rise and fall of the country.If they are not in their positions and do not seek their own politics, neither of them is an emperor, so can they all talk about it here, after something happens, it is not their own business?When the time comes, expect the two of them to top the tank for me?That's okay, if a decree is made, beheaded and sent to prison, anything will do.But his own reputation will be ruined, which is not good.

"My dear emperor, don't you know what kind of people your ministers are? Before becoming an official, they were thinking about stereotyped essays all day long. After becoming an official, they were thinking about intrigue all day long. This kind of thing, It's no wonder they can figure it out. Since they can't figure it out and don't know whether it's good for them or bad for them, then don't change it. Jia, you should know the virtues of these people. It is difficult to expect them to agree. It is even more difficult to expect them to help you well. Simply put, there is no civil and military man in the Manchu Dynasty who can be counted on." Wei Ming said .He knew that Zhu Youxiao just wanted to find a reason to go back and think about it.Discuss with ministers?He really didn't have this plan.

"Look at you hurting me! I was domineering again today. I finally became emperor, even if it was wrong, I did it! What's so great, if you Wei Ming dare to do it, I will do it! You want I'll give you whatever you want! Money for money, food for food. But we have to make one thing clear, Wei Ming, you know that the emperor can't be wrong. If something goes wrong then , you just prepare to top the tank! Don’t blame me for not being a brother.” Zhu Youxiao was forced into a corner with nowhere to escape, and finally broke out.Wei Ming was depressed.Aren't you free?Banks must be state-owned. To put it bluntly, this is for the benefit of the country and the people.Should something happen to me?What am I supposed to carry!Regrets are regrets, if he backs down now, Wei Ming has no doubt that Zhu Youxiao's return to work will scratch him, and he can only accept the order.Zhu Youjian smiled heartlessly, as if he had accomplished something great.If something happens to me, you kid won't be able to run away by then!Wei Ming thought viciously in his heart.

(Chapter 1, the rhythm of cheering)
(End of this chapter)