Wu Cheng, who was dressed in gorgeous brocade, rubbed an inch-long rat whisker and said: "Mr. Zhang, the so-called finance means the delivery, circulation and return of silver money, such as our Mingshang Bank, the absorption and withdrawal of various deposits, and the issuance and recovery of various loans. ”

He added: "Your Majesty's meaning is to let all our businessmen unite and unify together, run a central bank of the Ming Dynasty, and make a fortune together, maybe we can even become officials!" ”

"Being an official?"

Li Xing, a wealthy businessman in Jiangnan on the side, raised his eyebrows and said: "Since this Daming Central Bank is an official system, why don't you hand it over to the cabinet and the Ministry of Finance to do it, and let us do it with a group of businessmen?" What does Your Majesty mean by this? ”

Wu Cheng turned the jasper wrench in his hand, and said with a smile: "You have helped Your Majesty so much in the back over the years, isn't this Your Majesty's gratitude to you!" ”

A few days ago, Wu Cheng entered the palace to face the saint, and Zhu Cihong chatted with him about the bank for an hour.

At that time, Zhu Cihong bluntly told him that the original bank had to rely on businessmen to form it, and it was simply run by the imperial court, which had no credibility at all, and it was very difficult to get it on!

Zhu Cihong once learned about the history of the development of banks, and at this time in history, some common people in Europe became rich merchants by doing business, and they kept their money in the king's mint for safety.

At this time, there was no paper money in Europe, and the "free coinage" system was implemented, and anyone could take gold to the mint to mint it into gold coins, so the mint allowed customers to deposit gold.

However, these merchants did not realize that the mint belonged to the king, and that the king wanted to use the gold inside, and no one could stop him.

In the eleventh year of Chongzhen, King Charles I of England broke out a war with the Scottish nobles, and in order to raise military funds, he requisitioned the gold in the mint and lent it to the king.

Although the gold was later returned to the original merchants, the merchants already felt that the mint was not safe, because the king was later beheaded by Cromwell, and his gold was almost never returned......

So the merchants deposited the gold with the goldsmith, and the goldsmith issued a certificate for the person who saved the money, and later took this certificate to withdraw the gold, and it was from this time that the modern bank was born.

Therefore, the world's earliest banks were all private banks, and the earliest bank bills were issued by goldsmiths, who had no direct relationship with the government and were protected by law.

The British royal family used to run banks, embezzling customer deposits many times, and gradually no businessmen trusted them anymore, and they couldn't play anymore.

In 1694, the Bank of England was founded, marking the establishment of the modern banking system in the West.

Although this is the central bank of the United Kingdom and was founded by the British royal family, it is actually run by a sophisticated business tycoon in the city of London, a joint-stock company with an unlimited number of people, which has become a well-capitalized financing institution.

Of course, the premise is that the money is lent to the government for a long time, and the government has to pay annual interest and pay management fees every year.

People don't trust the government and worry that their money will be moved at will, and the situation in Daming is even worse.

Although Zhu Cihong has now completed the initial unification, the credibility of the imperial court is really not very good, and the credibility of a businessman is not as high.

If the central bank is forcibly established by the imperial court, not to mention that it cannot be carried out, the economy of the Ming Dynasty may be collapsed.

The central bank is not an ordinary bank similar to the Mingshang Bank, but a central financial institution that occupies a dominant position in the country, which is responsible for formulating and implementing the national monetary and credit policy, has the unique power to issue currency, and is an important tool for the state to intervene in and regulate the development of the national economy.

In other words, the money is minted from here, and the collapse of the original Ming treasure banknote is a good example.

For Wu Cheng's words, Zhang Dabiao, Li Xing and other wealthy businessmen will be skeptical, but since the emperor let everyone join, no one will refuse such a good thing.

After all, this bank is related to its own money bag, and it is really convenient to get silver stamps and food stamps!

Of course, everyone doesn't know much about this thing, and Wu Cheng, who has experience in opening a bank, naturally became the leader of the establishment of the Daming Central Bank.

No one can take away his position as the leading big brother, not to mention that Wu Cheng is the person next to the emperor, in charge of the royal family's financial power, and the wealth in his hands is more than that of everyone here, how can he compare?

In addition, Mingshang Bank is involved in a number of ticket numbers, which has tied many businessmen together in disguise from the economic interests.

The royal group has formed a bond to reconcile the power of merchants from all sides, and gradually control the economy of the Ming Dynasty.

In addition to the establishment of the Central Bank of the Ming Dynasty, the "New Decree Edict" also proposed for businessmen: "Abolish the guild system and monopoly organizations in the industrial and commercial circles and promote the development of industry and commerce." ”

"Establish a number of large-scale enterprise ...... focusing on military industry, mining, official roads, and shipping"

"The imperial court promoted advanced production technology, encouraged landlords, merchants and upper-class scholars to invest in the establishment of large-scale factories, encouraged the export trade of domestic goods, and developed the ...... of production-oriented merchants"

To put it bluntly, it was the imperial court that supported these capitalists economically and promoted the primitive accumulation of capital.

In the main hall, the businessmen are all happy, these projects are all big profits!

In the past, merchants had a low status and could only form guilds with fellow villagers or traders, and they held each other's associations.

Now the emperor not only improves the status of businessmen, but also takes the initiative to speak, asking officials and businessmen to cooperate, closely unite, and make a fortune together, this kind of good thing will never be encountered in eight lifetimes!

In the pavilion of Xuanwu Lake, the Emperor Taishang reclined on the Taishi chair, looked at the "Huangming Times" in his hand, and muttered: "The monarchs and ministers gather, the temples and halls are strategic, and all the national strength is ......."

"Small politics are not in the people, big politics are not in the people, and the road is rooted in the hearts of the people......."

When he saw the land system, Emperor Zhu Youzhen frowned slightly, and said: "Waste private land, this is a change through the ages, although it conforms to the will of the people, and all the people are newly attached, but it offends all the gentry in the world, and I am afraid that it will be a beacon fire in Kyushu......."

However, thinking about the achievements of Zhu Cihong's Northern Expedition, the 300,000 ironclad army during the parade on Shenlie Mountain that day, Chongzhen was relieved again, and only sighed.

The content of Tianwu's new policy was too much and shocking, and it was innovated in all aspects of politics, military, economy, and culture, and the emperor thought that it was difficult for him to implement it.

However, one of them was deeply appreciated by the emperor: "Establish the country, determine the implementation of the primogeniture inheritance system, have a grandchild, no grandchild, no grandchild, no elder brother, brother and brother!" ”

The succession to the throne is the most legal principle, as long as the national capital is set, the descendants of the Zhu family do not have to be busy fighting for the throne and killing each other, because it is useless to rob it, and no one supports it.

Zhu Cihong did not seize the throne at the beginning, but also for the sake of inheriting the throne in the future, to avoid a bad start, and let future generations fight each other.

At the beginning, Ming Chengzu Zhu Di was martyred, but his son Zhu Gaoxu, the king of Han, also learned from him, and made his nephew Emperor Xuande rebel, and was barbecued by his eldest nephew Zhu Zhanji.

There are two more, in the yard, it is estimated that eleven or twelve o'clock can be sent

(End of chapter)