Daming: Pretending to be a blind prince, was exposed by Sister Zhou’s live broadcast

Chapter 0097: Zhou Shuyi: My family is also going to open a bank?!!

The money houses in various parts of Daming are the prototype of early banks.

These money banks also provide savings and borrowing business, as well as mortgage, logistics and warehousing and other businesses, and even real estate pawns, but the detailed rules such as the implementation of regulations under a different name are not as formal as those of later banks.

The people who do this line are all black and white, not only raise a lot of bastards to do some shady things, but also through the official government and even nobles, otherwise even if you have money, this money house will not be able to open!

For example, like usury that was hated by later generations”, collection and other businesses, in this era, it is just a different expression, and it is not uncommon!

While these money banks do everything to absorb money and accumulate wealth, they also breed a lot of social problems, the reason is because money banks are private, in this era, there are no state-run banks, let alone macro-control these financial measures.

Money houses are completely a business, and the imperial court also depends on these money houses for cooperation, and the economy also depends on these money houses to a certain extent!

For example, the Daming treasure banknotes issued by Hongwu in his early years are an example, and the imperial court desperately printed money when it was short of money, and then asked these money banks to help issue and exchange.

So that Zhu Yuanzhang, who tasted the sweetness, was out of control, and later the money was printed more and more, and the leaf inflation of the Daming treasure banknote can be imagined.

By now, the value of this Daming treasure banknote is almost the same as wiping the butt paper, and no one uses it at all!

Ordinary people still trust real money transactions more.

Of course, ordinary people can’t see real money, and they still use copper plates, which is the lack of credit of the Daming treasure banknote.

And the same is true of the dry money bank!

Not only do you need to have the means to reach the sky, you need a lot of capital, but also need to have an excellent reputation, the people will believe you and be willing to deposit their money here!

And the most profitable business of the money bank must be lending.

Eating interest is one of the main sources of bank profits, both in ancient times and in modern times!

And the interest in ancient times can be much higher than the interest in later generations! Even if it is a money bank in various places, the interest is 100%!

What do you mean?

That is, to borrow one or two pieces of silver, the interest within the agreed period is doubled, and the principal plus interest when repaying the money is two taels.

This is still clearly stipulated by the government, and the maximum interest rate must not exceed 100%, that is, 100%.

Even if some banks lower the interest rate for the sake of peer competition, the interest rate is ridiculously high, and the interest rate of 50% is the real conscience price.

That was how it was in ancient times.

In some dynasties, because the imperial court did not regulate the interest rate of private loans, there were even interest rates of 200% or even 3400%.

For example, borrowing 10,000 yuan and paying tens of thousands a year later is a common thing!

It can be seen how profitable it is to open a money bank in this era!

There are three major money houses in Hanzhong Province, all of which are time-honored money houses, of course, they are all branches, which are equivalent to bank branches.

Their main store is in Shanxi and Jiangnan, just like this money village that Zhu Li asked Liu Shan to contact, it is from Suzhou Prefecture, a century-old brand!

The reason why Zhu Li chose him was because this Qianzhuang was a little stronger than other Qianzhuang in terms of credibility and strength.

But He Tianxi, the treasurer of Yuesheng Qianzhuang, actually offered the condition of a profit of five and a half points, which is really too ugly compared to Zhu Li!

And in terms of interest, the housing loan that Zhu Li wants to issue must not be done with the set of their money bank!

That interest rate is frighteningly high, can only afford to borrow?

In order to complete the task assigned by Zhu Li, Liu Shan stepped into the gate of Yuesheng Money Village for the second time.

“Yo, isn’t this General Liu?”

“The conditions of the last talks, can His Royal Highness King Han agree?”

As soon as he saw Liu Shan coming to the door, He Tianxi’s eyes quickly lit up, and he asked with a smiling face while beckoning the guy to serve tea.

“He Treasurer, His Highness means, it is three and seven open, you three he seven!”

“And the total interest of the mortgage must not be higher than 30%!”

Liu Shan didn’t talk nonsense, and after sitting down, he said the meaning of Zhu Li straight to the point.

The total interest cannot be higher than 30%, that is, 100 taels of silver, and the total amount of principal plus interest cannot exceed 130 taels!

Such an interest rate is basically the same as the mortgage of the next twenty or thirty years

In the later life, a mortgage of 1 million, after you repay it for twenty or thirty years, how can there be more than 1.3 million with interest, this is a normal thing.

But in this era when it is impossible to give three percent of the annual interest, it is simply impossible!

Upon hearing this, He Tianxi’s eyes suddenly widened, and the total interest must not be higher than three percent?

So they still make a gross?

“No, no, such an interest, don’t say that our Yuesheng Money Village can’t give it, even if it is other money houses!”

“What’s more, it’s still three and seven open! If you don’t make money this year, it is equivalent to losing money, we are opening a money bank, not a good church! ”

“Your Highness’s conditions are really too harsh, and the small ones really can’t agree.”

“But the little one is also strange, what is His Highness’s intention in doing this?”

“Didn’t he buy a house to make money?”

He Tianxi’s head shook into a rattle, if he dared to agree to such conditions, this treasurer would have to be directly stroked by the owner of the general number tomorrow!

At the same time, he was also slandering in his heart, feeling that this Han King did not have the brains to do business at all, and such a thankless thing actually had to be done?

“Huh… His Highness also said, Hanzhong Mansion is not only your family, you don’t do it, some people do it. Since He Treasurer is embarrassed, then forget it! ”

Even if Liu Shan came, even if He Tianxi could not agree to such a condition, such a face was also expected by him.

He was too lazy to be happy to talk nonsense with He Tianxi, got up and walked out directly, not paying attention to He Tianxi who still wanted to keep behind him.

“Bah… King Han can’t be unreasonable, right? With this condition, which money house will go crazy with you when it is full? ”

“You want to be a good hall, you have the ability to open a money house yourself!”

Looking at Liu Shantou’s back without looking back, He Tianxi couldn’t help but muttered in a low voice.

Zhu Li is inspecting the military factory!

Construction of the cement plant has already begun, and the research on steel and concrete is still in the process of progress.

In the Ming Dynasty, the household registration system was strictly divided.

The most common are the farmers, farmers, industry and commerce, plus a military household.

In addition to this, what are the craftsmen, the happy households, and even the homeless people without household registration, untouchables, etc.!

For example, if you are a military family, then the generations are military families, Lao Tzu is an officer, his son is also a hereditary officer, you are a small soldier, and your son will also take your place in the future.

Craftsmen and happy households are also the same truth.

This is basically the case with agriculture, industry and commerce.

And craftsmen are a classification of workers, what cement factory Zhu Li wants to open to produce cement in large quantities, he must find enough workers!

According to the system of the Ming Dynasty, what household registration does what to do!

Farmers can only farm, they cannot do business, and they cannot work, otherwise the peasants will go to do other things, and who will plant the fields in the field?

There are also reasons why Zhu Yuanzhang banned the sea.

Prevent the exodus!

The sea is indeed good for gold panning!

But there are more people going to sea, what about the fields?

In fact, in the final analysis, it is still because of the problem of grain production, if you don’t farm, you won’t have food to eat, and no matter how much money you make, when you can’t buy food, is it possible to eat gold and silver to be full?

But here in Zhu Que, some problems are not a problem!

In order to recruit more workers, Zhu Li also introduced some policies.

For example, a farmer, under the premise of ensuring that the land cultivated at home is cultivated and managed, can work in the factory he opened and earn wages!

Don’t look at Hanzhong Province is much richer than the rest of the northwest, but after all, Zhu Li has been operating here for only a few years, and the growth of population and labor force is not a handful.

He can only think of a solution from the issue of household registration.

And such reforms were actually implemented after he took office

At that time, there were also imperial ministers who impeached Zhu Li for this, but they were finally suppressed by Zhu Yuanzhang.

Such a reform would certainly be contrary to the system formulated by the imperial court.

But after all, Hanzhong is his fiefdom of Zhu Li, and he has implemented some institutional reforms, as long as it makes sense, Zhu Yuanzhang will let him go, the premise is that agricultural cultivation must be guaranteed!

In the past few years, the grain cultivation in Hanzhong has not fallen, and ordinary farmers can usually find some other partners to earn some small money, and the ordinary people have a more prosperous life than other regions!

This is also the reason why Hanzhong has been richer than other regions in recent years.

It is also the reason why the common people of Hanzhong Mansion love King Zhu Li even more! King Han’s policy is good, let them all live a good old life!

This is also the fundamental reason why Zhu Yuanzhang has always tolerated Lao Jiuhu on many issues!

Everything is for the common people, which makes Zhu Yuanzhang very satisfied!

In the early years, Zhu Yuanzhang even regarded some of Zhu Li’s policies as a pilot, he just wanted to see if these policies that Lao Jiu thought could work, and if there was a problem, it didn’t matter, and it was enough to stop the loss in time.

For example, the main city of Hanzhong Province has a curfew at night, and there are bustling and lively night markets, which can activate the market economy.

It is absolutely unique in this Northwest Territories.

Even in the Jiangnan region, all cities have a curfew at night, except for a few economically prosperous areas, such as the night market in Hangzhou Prefecture, which has been used by all dynasties.

So Zhu Yuanzhang also began to learn Zhu Que, and gradually relaxed the curfew policy in Yingtianfu, and night markets were opened in the Confucius Temple and on the banks of the Qinhuai River, which indeed enlivened the economy and added a lot of income sources to the imperial court!

Of course, those old stubborns who only talk about rules in the DPRK will definitely oppose it.

But those who oppose it, there is support!

The military generals and nobles were very supportive of this policy.

Because for them, it’s like an extra way to make money!

Ordinary people can set up stalls in the night market, and they can also let the people below run to the night market to make cows!

……

This year, who is afraid of too much money!

That’s why these civil officials who read books and read stupidly still live their lives by keeping the old manners!

In addition, Zhu Yuanzhang himself also supports, so many policies, Zhu Yuanzhang is also following the ass of Lao Jiu Zhu Oak to draw gourds, even if there are people in the DPRK who oppose, he will try all kinds of methods, even if he makes a word, it must be implemented.

Later, when the civil servants saw the tangible benefits of these policies, their opposition naturally weakened.

From this point of view, the development of Hanzhong Mansion is a bit of a vane for the future of Daming.

“Your Highness. He Tianxi refused! ”

Liu Shan came to the military factory, found Zhu Li, who was inspecting production research, and reported straight to the point.

“What do you think?”

Zhu Li squinted his eyes and asked in a deep voice.

“In the end, there is no need to cooperate with these money houses, with His Highness’s current reputation and financial resources, it is not a problem to get a money house out by yourself!”

Liu Shan said his thoughts.

This idea coincides with Zhu Li!

Originally, Zhu Li wanted to cooperate with these money banks, thinking of setting up a bank and the like, the funds needed were too large, he wanted to do it in one step, and directly implement financial reform when he had enough confidence in the future.

But if you think about it, reform is not a one-time thing, it must be done step by step.

If you get a money house to fight with these old money houses, it seems to be a good choice!

“In this way, you go and say hello to the Hanzhong Mansion, let the prefect issue an official note, and choose a trustworthy person to open a new money bank.”

“Within three days, the framework of the Qianzhuang was first set up for King Ben. Other details Ben Wang think about these days, you wait for Ben King’s news to be perfected! ”

Zhu Li pondered for a long time, and finally decided to open a money house by himself.

At least it’s much easier to open a bank than a bank.

With experience later, it is also logical to directly upgrade the money bank to a bank!

In this day and age, it is too difficult to reform finance, and he is just a lord, how easy is it to control other people?

But it’s not completely impossible, that is, you open a bank in your own way, and it’s much easier to change yourself without changing other people first, right?

“Alas… Many things can only be implemented more conveniently after becoming the emperor and controlling the state apparatus of Daming! ”

“It looks like something has to be accelerated!”

Thinking of this, Zhu Li’s heart also felt a little more anxious.

He started from himself, first changing the Hanzhong Province, and then influencing the entire northwest region as a leading demonstration for the future reform of the Daming Dynasty.

“The last general will personally go to Lord Prefect!”

After Liu Shan heard that Zhu Li really wanted to open a money house by himself, he was also in good spirits, and he hurriedly left after receiving the order.

Interlacing is like a mountain!

Zhu Li wants to be involved in financial business, he did not study finance in his previous life, he knows what kind of concept a bank is, but some of these routines and doorways are not something he can understand.

Since you have decided to open a bank, you must do a good job.

Back in the Han King Mansion, Zhu Li directly found Zhou Shuyi and said his idea of opening a money bank.

“You want to open a bank? Wouldn’t that be the same as the banks of our time? ”

As soon as he heard that Zhu Li was actually going to open a money house, Zhou Shuyi’s expression immediately became wonderful!

In her concept, the money bank is equal to the bank of the future generations!

In modern society, who doesn’t want to have a mine at home? Who doesn’t want to have a bank at home?

Zhou Shuyi never thought that his dream that could not be realized in modern society would actually be realized in this Ming Dynasty, can he not be excited?

As soon as they heard that Zhu Li was going to open a money house, the audience in the live broadcast room all boiled.

“Is the historical King of Han so inflated? It seems that King Han has never opened a bank, right? ”

“Speaking of money houses, ancient money houses and banks are still far from them!”

“Qianzhuang is equivalent to an ancient bank, isn’t this all the same?”

“It’s definitely okay to fight the King of Han, but can I play finance, can the King of Han do it?”

“Dare to question the abilities of my idol? King Han is omnipotent! ”

For a time, the barrage was flying, and many of the Han King’s fan brothers and sisters were even more excited because of Zhu Li’s sudden decision!

“That’s right, King Ben really wants to open a money bank!”

“But there are many doorways in it that King Ben has never touched, so…”

When Zhu Li said this, his eyes stared directly at Zhou Shuyi, and the meaning was already quite obvious!

“You need experience from later generations, right? No problem, I definitely support you! ”

“You wait, I’ll help you ask… No, I’ll definitely help you write it! ”

“Hahaha… In the future, I will also open a bank at home! ”

Zhou Shuyi agreed with a look of excitement!