The Europa people were well accommodated.

In addition to Kimpson and Pellier, the two scientific research departments that entered the Ministry of Industry of Daming, the others also have their own new lives in Daming.

This group of merchants will enter the Ministry of Commerce and the Imperial Chamber of Commerce, and exert their surplus energy to improve the legislation of the Ming Dynasty's commercial activities, and open up overseas trade for the Ming Dynasty.

After all, the current maritime trade of the Ming Dynasty is only as far as Arabia.

Allowing a group of foreigners to enter the Ministry of Commerce and the Imperial Chamber of Commerce, which are the most important in the Ming Dynasty, is also Zhu Yunwen's deliberate determination to improve the economic system of the Ming Dynasty.

Because Zhu Yunwen doesn't want to see the Ming Dynasty continue to play in circles, if the Ming Dynasty wants to gradually move closer to modern times, then there must be a more advanced economic system, rather than being completely dominated by local governments as the current Ming Dynasty.

When the governor of a province encourages business, the local government will rush to do it, representing provinces such as Shanxi, Fujian, and Guangdong.

The chief official of a province is disgusted with business, and the local door is full of birds, Shili Jing Street, representing the province of Shandong.

In order to comprehensively improve the country's economic system, in addition to policy support and guidance, the central government will carry the will of the central government and temporarily dominate the local economy in an all-round way.

And at this point, such a group of foreign businessmen are needed to work together with the chief officials of the Ming Dynasty.

Build a banking system with Ming characteristics and in line with the national conditions of Daming.

Zhu Yunwen's handwritten instructions to the Ministry of Commerce are that "we cannot copy all the homework, we must not only learn the relevant experience of the Europa banking industry, but also adhere to the principle of conforming to the national conditions of our Ming Dynasty." ’

Zhu Yunwen has not been without the idea of turning the Ming Dynasty into a capitalist society, and then relying on a developed shipbuilding industry and powerful sea ships to expand abroad without restrictions, and the key is that he lacks the foundation that foreign immigrants need most: the people!

Immigrants, immigrants, there is nothing to do with immigration.

The relocation of people to Hebei, Liaodong, and the vast territory of the Ming Dynasty is more than enough to digest the current population of less than 70 million.

There are so many people that the land cannot be planted or the clothes can be woven.

To put it in layman's terms, it means that the level of productivity in society has not reached the level where one person can do the work of three people, and there is no situation where the labor force is idle.

A large number of people in the south of the Ming Dynasty have left their hometowns to the north under the call of the imperial court, and have obtained about several times the number of acres of land in their hometowns in the south, plus an ultra-low tax of 30 taxes, and the worry-free food and clothing has basically been realized.

If colonization cannot be carried out for the time being, then it cannot fully open the cage of capital at this time, and the imperial court must have the power to comprehensively dominate the social and economic system and direction, just like Zhu Yunwen's impersonal one-knife policy at the beginning.

Foreign colonization, capital exploitation is those barbarians who are not protected by the laws of the Ming Dynasty, and the greed of capital in order to plunder more wealth and resources, ghost ideas should be used on their own compatriots.

This situation is something that Zhu Yunwen never wants to see.

"Your Majesty the Emperor, there is no credit industry and insurance system in the current Ming Dynasty, and without the vigorous development of these two businesses, a more mature banking industry cannot be born."

A businessman named Grianchi took the initiative to find Zhu Yunwen, the emperor, and explained his thoughts to the latter.

"So I suggest that credit offices should be set up in various places to encourage and support businessmen to borrow money from the state to expand their business activities.

If you want to develop the banking industry, you must first do a good job in the two basic points, and the main function of the bank lies in the creation and transfer of credit. It does not matter what form credit is created, for example, in the form of depositors' circulating accounts or in the form of bills. Because the fact of credit creation is more important than the form of credit itself. ”

Zhu Yunwen couldn't help nodding when he said this, the most basic business of a bank is indeed to absorb deposits and issue loans.

"To engage in savings and credit, it is inevitable to use written agreements, how to prevent counterfeiting and ensure fairness?"

As long as the bank is backed by the support of the state, the bank can never belong to the disadvantaged group in the relationship between the two sides.

The European businessman spoke out about the way Europe is currently used, but it was not adopted by Zhu Yunwen.

Because the way of commercial contracts in Europe is nothing more than a notary public system plus a written agreement.

At present, most of the commercial banks in Venice are private banks, and they do not have the qualifications to use their power for personal gain, but the banks of the Ming Dynasty are directly under the central government, belong to the official background, and have the ability to do bad things.

"It could be considered to be implemented together with the insurance system."

This proposal made Zhu Yunwen's eyes light up.

For example, in the early Ming Dynasty, a bank was established in the provincial capitals of various provinces, and at the same time, the local political envoy Yamen, the Imperial Merchants Branch, and the Jinyi Wei Office jointly funded the establishment of an insurance chamber of commerce responsible for providing deposits and loans.

When depositing, depositors can buy an insurance policy for their savings and pay the insurance premium in proportion to the savings, and if the savings are embezzled by the bank, then the insurer will bear the full amount of the deposits.

When taking out a loan, the bank has to buy a risk insurance for the loan, and if the loan cannot be recovered, the insurer will come forward to confiscate the merchant's collateral and recover the arrears.

If even the insurer cannot recover it, the bank can transfer the confiscated collateral to the insurer, and the insurer will bear the full amount of the loan.

As long as the insurance company is not willing to pay out of pocket, then they will have to send someone to check the authenticity of the contract for every savings and credit activity, and even send someone to the bank to check each contract every once in a while.

Although this may not guarantee that every savings or credit will be 100% fair and risk-free, it has avoided most of the possible risks.

"At present, the merchants of the Ming Dynasty make hard money, that is, they rely on going south and north to investigate the market, understand the demand, and then resell the goods to earn the difference, this way of doing business, is the Venetian businessman's favorite thing to do."

"This is called small-scale commercialism or small-scale commerce, and now, before the humble Ming Dynasty, merchants from the Apennine Peninsula, especially in the inland cities of Siena and Florence, no longer travel back and forth to the fairs," says Grianci. They began to sit in the bookkeeper to manage affairs and obtain permanent foreign agents in the form of partners or agents.

Their wealth is no longer reflected in the number of gold and silver coins in their hands, but in the number of negotiable bills and credit contracts of the banks, and they use these papers to annex and integrate more small traders, so that the small traders run errands and resell goods, while they follow the bankers to have a ball, and by the way dance with those beautiful ladies, they easily earn a lot of wealth.

At the same time, relying on this mode of commercial activity, in the Apennine economic system, short-term business relations began to gradually replace long-term business partnerships, and your Majesty the Great Emperor, you have the wisdom and vision of God, you must be able to see that only this model can build a stronger and more stable economy. ”

At the moment when there was a shortage of bankers in the Ming Dynasty, this shrewd businessman named Grianch from Provence did play a role in the timely rain of Song Jiang.

Zhu Yunwen gave birth to a heart of love for talent.

"I appreciate your idea, you should step back first, I will give you an answer after thinking about it."

After waving off Grianchi, Zhu Yunwen sat in his chair and fell into deep thought, and then said.

"Summoning Guo Zi, the secretary of the Ministry of Commerce."