"Your bank sounds interesting~"

After listening to Liu Jin's detailed explanation, Zhu Houzhao's little eyes suddenly narrowed, he instinctively felt that this thing was very good, if it could really be done, he would not have to worry about running out of money in the future.

"Of course it's interesting, as long as our bank can do it, we can use other people's money to do big things in the future, and when the banknotes found in our bank establish credit, and everyone slowly gets used to using and relying on it, we really don't have to worry about silver anymore."

Liu Jin nodded with a smile and said, the bank must be done.

It is not only the issuance of paper money, the issuance of unified specifications of silver coins, gold coins, and the right to currency, but more importantly, it is necessary to find a way to dig out the silver and gold buried in the ground of the Ming Dynasty, so that the money can circulate in the market and promote the development of the entire Ming economy.

One of the most basic functions of the bank is to absorb savings, give a certain amount of interest, and slowly attract people to deposit money, after all, silver in the cellar has no effect, and even fear of being stolen.

Put it in the bank, not only can it be insured, but also can make silver from silver, as long as this is slowly promoted, there will be more and more silver deposited in the bank in the future.

If you have money in your hand, you can invest more than that interest money.

"Yes, yes, this can be done."

Zhu Houzhao nodded like a chicken eating rice, as long as he can earn silver, everything is easy to say, anyway, he only recognizes silver and does not recognize people now, and if there is silver, he is the uncle, what His Royal Highness the Prince, His Royal Highness the Prince without silver He is nothing, just like Emperor Hongzhi, Emperor Hongzhi without silver has three meals a day is not as good as the life of some landlords in Jiangnan, even Empress Zhang has to follow the weaving, and no one believes it.

"Your Highness, this matter can't be rushed, I'll go back and make a charter, in addition, the bank is too big, and it can't be done by the two of us, and we still need to pull in Your Majesty and some nobles in the court."

Liu Jin thought about it and felt that the matter of running the Daming Central Bank was too big, and his small arms and legs must not account for the big head, and he could only take a little share, which could be regarded as the greatest wealth for future generations, as for the big head, let Emperor Hongzhi and Zhu Houzhao be the big ones, they have thick legs.

In the future, if the central bank of the Ming Dynasty has a conflict of interest with the Ming court, they are the biggest vested interests, and they will naturally try their best to protect their own interests.

As for the Ming Dynasty, Liu Jin felt that no matter how good things were handed over to these civil officials, they would be played to death, and this kind of thing was more reliable for private ownership, because only private individuals would really care, and really manage and develop with their hearts.

"Okay, let's talk about it then."

Zhu Houzhao nodded, Lao Liu was very relieved to do things, all he needed to do was to be a shield and sit and wait for the silver.

Liu Jin and Zhu Houzhao are running a textile factory in Beijing here, and on the other side, our classmate Wang Shouren, he also asked his family for 10,000 taels of silver, and he is also going to set up a Caiyun textile factory.

After listening to Liu Jin's words, he felt that there were many great truths in this economics, so he also wanted to learn from Liu Jin himself, set up a factory by himself, and experience how to operate and manage a factory to see if it was the same as what Liu Jin said.

Wang Shouren's Wang family is a big family in Yuyao, Zhejiang, the Wang family itself is very rich, plus Wang Shouren's father Wang Hua is the champion of the Yuanlang, and now he is also an important minister in the court.

Therefore, when the Wang family arrived at Wang Hua's generation, it was naturally a step forward, and it was a well-known family in Zhejiang, with countless fertile fields under its command and industries in various fields.

Wang Shouren wants to set up a Caiyun textile factory in the capital, it is naturally extremely simple, to have people, to have silver, the Wang family in Zhejiang here to do cloth business, a letter to the past, half a month later, someone arrived in the capital from Tianjin by sea.

As for the land, his Wang family is not lacking, not only there is good land here in Zhejiang, but also in the area around the capital, the Wang family also has a lot of land, scholar Liu Jin, just carve out a piece of land.

In Caiyun Textile Factory, Wang Shouren was inspecting the textile factory, followed by two people from the Wang family's side branch who had experience in the cloth business sent by the Wang family from Zhejiang, one was named Wang Gui and the other was Wang Xian.

Both of them are in their 40s, with very rich management and management experience, and have always been in charge of the Wang family's cloth business.

"Childe, the moon ring we opened is too high, this moon ringing of two taels of silver a month, and we have to take care of three meals a day, we will definitely lose money."

Wang Gui listened carefully to Wang Shouren's plan for this Caiyun Textile Factory, and couldn't help but say after listening.

This Wang Shouren in front of him, he is not good to stay in his Hanlin Academy, but he wants to even run a textile factory, this is not a sacrifice, he is a scholar, where do you know these things.

As far as this moon ring is concerned, here in Zhejiang, a month's moon ring of one or two silver is enough to make countless people sharpen their heads to do things for you.

He actually wants to open two taels of silver Yuexiang, and he has to take care of three meals a day, where is this business, doing business, this is simply opening a good hall and doing good deeds.

"Yes, Childe, this month is too high, we will definitely lose money."

Wang Xian also said with great certainty.

"Are you sure that the monthly money of two taels of silver will be lost?"

Wang Shouren nodded after listening, thought about it and asked.

He already knew that the Beijing textile factory opened by Liu Jin had begun to recruit workers, and it was still women from the capital, and the salary offered was two taels of silver and three meals a day.

He felt that since Liu Jin could make money by opening such a salary, there was no reason why he couldn't make money, and he didn't really open it like this.

Now the demand for labor in the capital is very large, all kinds of factories and workshops of all sizes have sprung up like mushrooms after a rain, and are developing rapidly, so that the labor on this side of the capital has become extremely scarce and tense, and many times it is difficult to recruit people for two taels of silver a month, as for three meals a day, this is almost already the standard.

"It's sure to lose money~"

Wang Gui said with great certainty, then thought about it and said: "Childe, there is a piece of cloth on the market now, an ordinary cloth, it is about three hundred Wen. ”

"A skilled weaver, even if he weaves cloth all day and night, can barely weave one piece of cloth in four days, and at most about seven pieces of cloth in a month."

"These seven pieces of cloth are about 2,100 yuan, not even two taels of silver, not to mention, we still have to buy cotton, as well as the loss of this machine, labor, energy, time, etc."

"There is definitely no money to be made in the monthly money of two taels of silver, and there will be a blood loss."

Wang Gui simply calculated an account for Wang Shouren, which made Wang Shouren frown immediately.

Wang Gui is an expert in this area, how long it takes for a piece of cloth to be woven, how much money can be bought, and how much cotton is needed, he knows it well, just a simple calculation, Wang Shouren, who opened two taels of silver to recruit workers on the moon, is definitely opening a good hall to do good deeds.

"It doesn't make sense, this Liu Jin opens the same monthly money, he can make money, why can't I make money?"

Wang Shouren immediately thought about it, he is an extremely good thinker, and he also clearly knows that Liu Jin is definitely not here to do charity, every industry he runs is extremely profitable, and the profits are very amazing, and the textile factory he opened must be the same.

"Childe, Liu Jin Liu Zhuangyuan is afraid that he will have to make a loss-making deal this time, no one can make money under such a high moon ring, I have been doing this business since I was a teenager, and I have been doing it for almost thirty years, I dare to pack tickets."

Wang Xian heard Wang Shouren's words and said with great certainty.

"You have just come from Zhejiang, you may not know Liu Jin very well, any industry he has purchased is very profitable, many people think that it is impossible, he can do it, and he also makes a lot of money."

"You know this honeycomb coal, Xishan Coal Industry has to make millions of taels of silver every year just to make this honeycomb coal, and he will not trade at a loss."

Wang Shouren said with great certainty that he had done some research on Liu Jin and came to the same conclusion as Zhu Houzhao, Liu Jin was not a person who did loss-making business.

"Childe, we know that Liu Jin is a son of a master and has the talent to go through the heavens and latitudes, but in the weaving industry, we have also stayed for a lifetime, and we can still be sure of this, driving such a high moon ring, it is absolutely impossible to make money."

Wang Xian smiled, and also said very confidently, how much profit can be made in the weaving business, they know too well, and feel that even if they are the children of masters, they are afraid that they will have to fold in the textile field.

"Let's not talk about whether he can make money, let's recruit our textile machines and workers first, you will be responsible for the affairs of the textile machine, and you will be responsible for the recruitment of the uncle."

"Uncle Xian, you can pay as much as you think you can recruit people, anyway, as long as the machine arrives, there must be enough workers to work."

Wang Shouren smiled, thought about it and didn't continue to argue with them about this matter, it doesn't matter if you can make money or not, the key now is to set up the textile factory first, and then find a way to make money.

"Yes~"

The two nodded at the same time, and then Wang Xian thought about it, and looked like he wanted to speak, in fact, he really wanted to ask Yiwen Wang Shouren, why did Hao Duan set up such a textile factory.