Chapter Eighty-Six: The Three Masters and Apprentices "But what should you do if your bank has lent out all the money, and you have to withdraw the silver deposited by others, and you hit a piece of it when the time comes?" Gao Gong said with some concern.

Shen Chongming smiled, "Teacher, there's no need to worry about this at all. How is it possible that so many people have come to store the silver, and they have to take it all out at once? Moreover, in the future, they will have a fixed period of time for depositing silver in the bank, and if they withdraw it in advance, the benefits we pay them will be greatly reduced, and I am afraid that no one will do such a thing. And we can also calculate how much silver is the most appropriate to keep in our hands, and even if we encounter such a situation, we will not be caught off guard. Second, it is our capital, the disciple plans to invest three million taels in advance, and with such a large amount of silver, there is no need to worry about this situation at all. ”

Gao Gong nodded slightly, agreeing with Shen Chongming's statement. "Well, what you said does have some truth, but Mr. Wei always thinks that this is business, and it doesn't seem to be of any interest to the court."

"Teacher, how can there be no benefit. First of all, this bank is also the same as the royal trading bank, and the imperial court also has to participate in the shares, and it is still sixty percent, once there is a profit, the imperial court will account for more than half. Secondly, with the bank, once the merchants deposited the silver obtained from doing business in it, the imperial court would have an account book invisibly, and it would be clear at a glance what taxes were paid and used for other purposes. Teacher, at this point, it is not comparable to Jinyiwei and Dongchang. ”

Gao Gong was stunned at first, and then said with a smile: "Well, that's right, it's more conducive to the imperial court to control the world, yes, it's really good." ”

"Hehe, do you agree to this?" Shen Chongming asked with a happy face.

"Well, it's okay to agree. However, as a teacher, you have to say it in advance, this bank is not for profit, but only for the court to control the general trend of the world, do you understand? "The high arch is the right color road.

"Hehe, teacher, working hard in business, this doesn't always have to make students earn some hard-earned money. And there are also shares of the emperor among them, and the emperor always says to students that the palace costs a lot, look at this ......" Shen Chongming's face was full of flattery.

Gao Gong's face changed, and he hated iron and steel: "It's all you who cause trouble, if the emperor is really addicted to business, see how the teacher cleans you up, get out!" ”

Shen Chongming fled in the wilderness, but he was overjoyed in his heart. Although the teacher was stern, he must have recognized his statement, after all, the emperor and himself were both his students, and this elbow would definitely not turn out.

Seeing Shen Chongming walk out of the door, Gao Gong showed a hint of a smile. This kid is not bad, even if he is trying to earn money for himself, he can always think about the affairs of the court, and this wealth should be made by him.

"Teacher, there is one more thing for the students." At this moment, Shen Chongming suddenly ran back again. appeared a little suddenly, and the look on Gao Gong's face was fully visible to him. But I just didn't see it, otherwise the teacher would be annoyed and angry, but something was really going to happen.

Gao Gong's face was flat, "If you have something to say, say it quickly." ”

"Yes, teacher, since you agree to this, then the ministers of the cabinet ......" Shen Chongming's face was full of embarrassment. Whether this can be done depends on whether the teacher can convince the ministers of the cabinet, and the old masters themselves are worried when they see it, and they are really too lazy to go and grind their mouths.

"Don't worry, everything is in charge of the teacher, you better go back and draw up a charter, the sooner the better." Gao Gong nodded. In fact, he was also anxious in his heart, although the opening of the sea and trade solved the current problems of the imperial court, but the unstable factors also increased exponentially. After all, the wealth of the people is more, and once someone plots to cause chaos, the easier it will be to raise military salaries. If the bank can really find out the flow and use of the silver as Shen Chongming said, it will indeed be of great benefit to the imperial court.

"Ladies and gentlemen, I feel that what Lord Gao said is very true, which is not only convenient for the people, but also extremely beneficial to the control of the overall situation of the imperial court. And not only that, once there is a major event in the world, such as a catastrophe or a war, the imperial court can also temporarily embezzle the silver in this bank, and then it will save a lot of trouble, I wonder what you think? After listening to Gao Gong's brief description, Zhang Juzheng first expressed his support.

"Oh, having said that, the old man always felt that the establishment of a bank by the imperial court had some meaning of competing with the people. After all, if we do this, won't all the money banks in the world have to go out of business? In this way, the imperial court not only lost tax revenue, but also caused people to criticize. Therefore, according to the old man, let's take a long-term view of this matter. Li Chunfang touched her gray beard and said.

"What Elder Li Ge said is very true, although this matter is beneficial to the imperial court, it cannot harm the interests of the people." Chen Yiqin followed and said, the two have always worn the same pair of pants.

Gao Gong smiled slightly, put down the teacup in his hand and said: "Although what the two adults said is good, it is really an exaggeration to harm the interests of the people, you must know that these money houses are run by chambers of commerce in various places, and the purpose of these people is naturally to make profits, and their interests are taken from more merchants, and it is not an exaggeration to call them empty gloves white wolves." Now the imperial court has opened a bank, although it is harming the interests of these money banks, but for more merchants, it is a rare good thing, the lesser of two evils, this bank, the imperial court can run. ”

Zhang Juzheng smiled and said nothing, but Li Chunfang scratched his head. Gao Gong's words are reasonable, but although they sound good, the root cause is for the selfish interests of his disciple.

"Well, that's true. In this case, the bank was founded by the imperial court itself, so that those merchants who were trying to make profits would not have the opportunity to get their hands on it again, what do you think? Li Chunfang took retreat as advance and vowed to exclude Shen Chongming.

It's a pity to say that this Lord Shen is really a pity, when it comes to those eccentric methods, no one in the court can match, and he can always solve big problems for the court. But this person has no scholarly backbone, he will think of his own good in everything, the whole face of a businessman, such a person must not be connived at for a long time, otherwise he will have to make inches, and sooner or later he will be a scourge.

Zhang Juzheng and Chen Yiqin nodded in agreement, and they also knew what Li Chunfang meant by this.

Gao Gong smiled and retorted: "Lord Li's words are wrong, once this bank is founded by the imperial court alone, then after its establishment, it will be a rare fat shortage. And there are so many kings and grandsons and nobles in the capital, they will definitely break their heads and want to drill into it at that time. I don't shy away from it, I ask myself that I have a lot of contact with the relatives of the capital at the moment, once they ask for the door, it's really hard to refuse, dare to ask Lord Li, do you have a way to deal with this matter? ”

"This ......" Li Chunfang was short of words for a while, and reluctantly smiled while her eyes rolled: "I can still trust the tall man's personality, and you will definitely deal with this matter impartially, and you will definitely not show favoritism." ”

"Hehehe, thanks to all of you, I deserve it." Gao Gong waved his hand again and again in denial. There is no need to explain this kind of thing, everyone is a person who has struggled in the officialdom all his life, and everyone knows that you can't easily offend people, especially these relatives in the capital. Maybe they will be afraid of you when they are in power, but they will not be afraid to offend them. But once you leave office and return home, then they will no longer take you seriously. If there is a narrow-minded person, maybe he will find a reason to take revenge, and then he will be wronged.

Li Chunfang laughed dryly, but she really didn't know what to say. Zhang Juzheng was eye-catching, and asked with a smile: "Then dare to ask Master Gao, do you have any countermeasures?" ”

"This is a simple solution, we can also follow the example of the Royal Commercial Bank and allow merchants to participate in the bank. In this way, the person in charge of the bank will be selected from among the businessmen who have participated in the shares, and then we will not have to offend people. And the merchant in charge of this business is really insignificant compared to the imperial court, and he does not dare to enrich his own pockets for evil. With that, Gao Gong glanced at the three of them with a smile on his face, but wanted to see if they agreed.

If there are still objections, then let them do the matter of selecting the person in charge, but see what kind of wine bag and rice bag can be selected. If something goes wrong in the future, it's just bad luck.

Li Chunfang is also an old treacherous and cunning person, and as soon as he heard Gao Gong say this, he knew that there was no room for recovery. Otherwise, this guy will definitely push himself to the front desk of the abbot, and it will be himself who will offend people at that time.

pondering, Li Chunfang gradually felt that something was wrong, and when she looked back and forth, she found that the three people were staring at her. It's bad, but I'm the first assistant, and it stands to reason that everything has to be done by nodding my head.

"Ahem, cough, hey, the old man is a little uncomfortable, a few adults, you discuss first, the old man will go back to the house first, and the old man will be informed when he has a conclusion." Li Chunfang stood up tremblingly and walked out, looking weak, since he couldn't afford to provoke him, then hide.

Look at him like this, Zhang Juzheng picked up the teacup and drank the tea. But in his heart, he was slandering, this Li Ge Lao was really a little too weak, as soon as he left, how could he and Chen Yiqin be Gao Gong's opponents, I was afraid that this time I would have to let him go.

Chen Yiqin sighed slightly helplessly, he also knew that this matter could only be done according to what Gao Gong said. "Master Gao, Elder Li Ge is not here, this matter is still up to you to decide this time." As he spoke, he turned his head and glanced at Zhang Juzheng.

"What Lord Chen said is, my lord, you are very knowledgeable, you can do what you say." Zhang Juzheng said with a smile, outsiders couldn't judge what he was thinking through his expression.

"Since this is the case, then let's follow the royal trade line, and the specific share will be distributed at the main gate, and we will make a final decision after consulting the emperor." The high arch is also in moderation, after all, they are all colleagues, and they can't oppress people everywhere, and this matter is best decided by the emperor.

Looking at the three ministers in front of him, Emperor Longqing forcibly held back the joy in his heart and asked, "Three Aiqing, what's the important matter of coming to me in such a hurry?" ”

Gao Gong couldn't help but sigh in his heart, Chongfa, Chongfa, the emperor is now not what you are bringing to the show. "Your Majesty, Weichen came here with Lord Chen and Lord Zhang, and I asked the Emperor to make a decision on one matter."

After explaining the bank's affairs concisely, Gao Gong stood there waiting for Emperor Longqing's reply. According to his own inference, the emperor will definitely have to pretend again.

But he looked down on Emperor Longqing. It is said that after Shen Chongming finished playing the bank, Emperor Longqing hid in front of the harem and calculated it for a night, and he was very promising, and he was already impatient to settle this matter.

Now that Gao Gong mentioned this, he nodded without thinking about it and said: "Well, what Mr. Gao said is too reasonable, the establishment of a bank is indeed a great thing for the benefit of the country and the people, and the cabinet must hurry up to draw up a charter, and then I will convene a court meeting to discuss this matter." As for the distribution of dry shares, refer to the trading house. The court occupies more, the palace also accounts for some, and the rest is given to the Tongda chariot and horse shop. Tongda Chariot and Horse Shop has contributed a lot to the imperial court, and it is a reward to take care of it first. ”

After listening to Emperor Longqing's words, Zhang Ju had mixed tastes in the center. What cabinet discussion, it turned out that it was just a formality, what should the bank do, the three masters and apprentices have already made a decision. In this way, what is the meaning of what this cabinet minister does.