"Banks?"

Emperor Hongji whispered.

Then, he thought for a while before he looked at Li Zhaotong and asked:

"Virtuous nephew, I know that the money bank can make money, so can this bank make money?"

"Of course you can!"

Li Zhaotong is not worried about the question of whether he can make money, because this is not a problem for him at all, okay?

No matter how much he doesn't understand economics and finance, he is still a big step ahead of the businessmen of this era, and he can make money with a small idea.

However, Li Zhaotong didn't plan to talk to Emperor Hongzhi about specific ideas to make money, so he cut in from another angle and replied:

"Your Majesty, I don't know if you have considered that the people deposit money in the bank, and there is more and more money in the bank, will the money really not be touched by the bank?"

"Of course not, those money banks will use this money to lend and lend usury!"

Emperor Hongzhi is not a faint monarch, and he still has some understanding of the general situation of Qianzhuang.

"So, can the bank we set up take the people's money and lend it?"

Li Zhaotong asked mysteriously.

"Your Majesty, you can't do this, for if you do so, you'll be impeached and fight with the people, because those who make usury are people of bad repute, and the people are extremely disgusted."

Before Emperor Hongzhi could answer, Xiao Jing immediately jumped out to object.

As a eunuch, to put it bluntly, he is the emperor's servant, so of course he has to stand on the emperor's side to consider the problem.

Most of the loan sharks are notorious, and Xiao Jing doesn't want the emperor to have such a black name on his back, which will damage his image of Shengming, and even cause more serious consequences.

Xiao Jing's opposition was recognized by Emperor Hongzhi, and he naturally thought that he could never do such a thing as lending, because he did this kind of thing, and it was completely worth the loss.

Therefore, Emperor Hongzhi's brows furrowed, and he looked at Li Zhaotong, wanting to see if Li Zhaotong had any further explanation.

Of course, Li Zhaotong has a further explanation:

"Your Majesty, whether the bank makes a profit by lending money to the people or not, let's not talk about this for the time being. Moreover, in the future, even if banks want to lend to the people, it will definitely not be usury! In addition, the main reason for banks to lend to the people in the future is to help them tide over the difficulties.

Let's not mention this for now.

What the little nephew wants to say is, Your Majesty, have you ever considered that the imperial court borrowed money from the bank? ”

"The imperial court borrowed money from the bank?"

Emperor Hongzhi was stunned, not only he was stunned, but Liu Jian and others were also stunned, Liu Jian asked:

"Then what does the court use as collateral?"

"Of course it's the credit of the imperial court!" Li Zhaotong replied.

"The bank was established under the leadership of His Majesty, I Daming exists, of course the bank exists, if ...... I mean, if you want, please don't blame Your Majesty! ”

"Not to blame."

Emperor Hongzhi knew what Li Zhaotong was going to say, and he expressed his attitude generously.

"I said that if Daming is gone, will this bank still exist? It's definitely not going to exist! One must build on a firm foundation?

Therefore, the bank and my Ming Dynasty, on the interdependent relationship, the Ming Dynasty, the bank is naturally there, then, my Ming Dynasty is naturally there, since it can exist at the same time, the bank, naturally not afraid of the court disappearing can not afford it!

Of course, the imperial court can't borrow money from the bank at will, the benefits that should be given still have to be given, and the money that should be repaid still has to be repaid, because these money are the hard-earned money of the people. ”

In order to prevent the imperial court from taking it seriously and borrowing money endlessly, Li Zhaotong first said ugly things.

"Your Majesty, it seems to the old minister that this bank has a lot to offer."

The bank was involved from the topic of "one whip law", and it stands to reason that Zhang Mao would be very opposed to the establishment of the bank.

However, Zhang Mao, although he is selfish, he is still loyal to Daming, and he still wants to do something for Daming's Jiangshan Sheji.

After listening to Li Zhaotong's statement, Zhang Mao felt that this bank had a lot to offer, and he thought about it carefully, and this bank was also very beneficial to him, so he stood up unexpectedly.

"Your Majesty, the old minister is in charge of the Governor's Mansion of the Five Armies, therefore, the old minister is wondering if the Governor's Mansion of the Five Armies can also borrow money from the bank, and then, when the soldiers go out, this can alleviate the dilemma of lack of food and money to a certain extent, and relieve the pressure on the household department."

Zhang Mao still didn't say one thing, that is, once the governor's mansion of the five armies has money and food, then these generals don't need to be subject to civilian officials, and they will be angry with civilian officials!

As the supreme governor of the Governor's Mansion of the Five Armies, the power in his hands has naturally been greatly improved!

Perhaps, he can also regain the military power lost after the Tumubao Revolution from the civilian officials!

Zhang Mao didn't mention this, but Liu Jian and the others took it into account, they are all human spirits, and they understand very well that once the Governor's Mansion of the Five Armies has money and food, the military department may not be so easy to control the Ming army, so they all frowned!

Why frown, and not vehemently oppose?

Because Liu Jian and others not only realized that the bank is beneficial to the generals, but also to their civilian governance of the world, it is also very beneficial!

Although the household department is in charge of the treasury, the treasury of the Ming Dynasty is almost empty, but it still has to raise a large number of "Zhu", so the treasury is empty, and the court is seriously short of money!

The lack of money naturally leads to the fact that it is difficult for Liu Jian and others to do something that benefits the country and the people, such as building water conservancy.

Therefore, Liu Jian and the others also need a bank, and they also want to borrow money from the bank!

Therefore, they were all weighing the pros and cons, frowning one by one, and did not speak for the time being.

Emperor Hongzhi also thought of Zhang Mao's careful thinking, as an emperor, his first consideration was balance, he didn't want the civil official family to dominate, which would weaken his right to speak, so Emperor Hongzhi didn't think as much as Liu Jian thought.

His eyes lit up, he looked at Li Zhaotong, and said excitedly:

"Virtuous nephew, how to establish this bank?"

Li Zhaotong saw that Emperor Hongzhi was so excited, and he also knew Emperor Hongzhi's attitude, he glanced at his father and others, sighed in his heart, and sighed secretly:

This is the change of the times, I hope you can keep up!

Then he looked at Emperor Hongji and replied:

"Your Majesty, the establishment of the bank is very simple, first of all, it is necessary to determine the equity, and then according to their respective shares, take out the corresponding money, deposit it in the bank, as a deposit, and also as a starting capital, and then the bank can be established in a location."

"Virtuous nephew, how much do you think the bank's starting capital should be?"

"Ten million taels!"

Li Zhaotong pondered for a moment and replied.