Chapter Eighty-Five: The Royal Bank

"Not only that, but you can't make a trick in this bank!" Emperor Longqing asked with interest.

Shen Chongming smiled, and he was not modest: "Emperor Qiqi, Weichen does have some different ideas, but he hasn't tried it, and he doesn't know if it works!" ”

As soon as he heard him say this, Emperor Longqing knew that this guy was hanging his appetite again, and his eyes widened and he said angrily: "If you have something to say, say it quickly!" ”

"Yes, yes, your majesty, listen to Weichen slowly, according to common sense, usually those rich families like to buy some fields and real estate with the silver on hand, if there is any surplus, they are also hidden in their own homes, but although this is the case, but the more silver is hidden in the home, the more difficult it is for this person to be down-to-earth, after all, he is not afraid of thieves stealing, he is afraid of thieves, and the silver is really troublesome to thieves at home! Take the imperial court's household treasury. Although there is not much silver deposited on weekdays, it still has to be guarded by heavy troops, and the court is like this, let alone ordinary people! "Shen Chong's name is Rory and verbose, and she is a mother-in-law who likes to do homework.

However, Emperor Longqing didn't feel disgusted at all about this, and he was very relaxed to be able to talk to his courtiers like this! "That's the case, this silver is really unsettling to keep around, even I often think that the silver in the inner treasury will be greedy for ink behind people's backs!"

Emperor Longqing's unintentional words frightened Chen Hong on the side, and he knelt directly on the ground: "Your Majesty, the slave and maid of the inner treasury have been keeping an eye on the income and expenditure of the silver, and there is absolutely no mistake, if there is really something, the slave and maid are willing to apologize for their crimes!" ”

Watching Chen Hong stage this play, Emperor Longqing suddenly felt speechless, this is what worries him, as the emperor, he can't even make a joke: "That's what I said, you don't need to take it seriously, hurry up!" ”

"Emperor Xie!" Chen Hong wiped the cold sweat that had been frightened for a moment just now, and stood up tremblingly.

"Shen Aiqing, you go on!" Emperor Longqing watched Shen Chongming standing there with his head down, staring at his two feet motionless, and immediately urged.

Shen Chongming raised his head with a smile, but his eyes involuntarily looked at Chen Hong, this Gonggong Chen, as the eunuch in charge of the seal, is also a big man in the officialdom, but he never thought that he would be so unbearable in front of the emperor, just this ability, it seems that what is written in the history books is correct, he is not Feng Bao's opponent at all.

"Yes!" This thought flashed through him, and Shen Chongming responded and continued: "The frequent cases are also extremely detrimental to local stability, and Weichen thinks that if they can keep the silver in our bank, this trouble will be saved!" ”

"Hehe, your idea is good, but it will cost a lot of money to let the family send the silver to the bank, but I'm afraid that no one will want to!" Emperor Longqing was a little embarrassed, and after saying it, these words came back again.

"Your Majesty, if they don't have to spend this amount of silver, and we have to give them a sum of silver, do you think they will deposit the silver in our bank?" Shen Chongming's face was full of treachery, but he told Emperor Longqing to be blind.

"I said Shen Aiqing, this money bank is to make money, according to what you say, your bank is a money-losing business, you pull me to participate in the shares, my inner treasury does not have so much silver to give away, you also know, there are thousands of people up and down in this palace, all expenses are supported by the inner treasury, although I have the heart to do some good things for the people, but I really have the heart to do the latest chapter of the bipolar spiritual cultivation!" What Emperor Longqing said was not something that an emperor could say, the face of a profiteer.

Shen Chongming was drenched in cold sweat when he heard it, Chen Hong didn't know where to go, recently the emperor can be regarded as obsessed with doing business, and he is always thinking about the income of the inner library, and his words and deeds are becoming more and more unlike a lord of the world, fortunately, the ministers in the court don't know, if not, this can't be turned upside down!

After a few dry laughs, Shen Chongming finally came to his senses: "Your Majesty, this bank will naturally not lose money, didn't Weichen say it just now, when we have silver on hand, we can lend money to those who need it temporarily, and the interest charged at that time will be more than the benefits of others' deposits, so naturally there will still be some earnings!" ”

"That's it! But what if no one borrows? When the time comes, I will still have to lose money! Emperor Longqing was a little worried, but his tone was already a little loose, and it seemed that he was concerned about this matter.

Shen Chongming is also an old treacherous and cunning person, as soon as he heard this tone, he understood a lot, and hit the railway while it was hot: "Your Majesty, this is naturally not something we need to worry about, life is unsatisfactory, and the same is true for this business, everyone has a time when the turnover is not working, isn't this our opportunity?" ”

"Oops!" Emperor Longqing's eyes rolled, and he couldn't help but hold his chin and think.

"Your Majesty, after thinking about this matter, the ministers will definitely not lose their money, and even if they lose some, they are not afraid of anything? After all, this is a good thing done for the people of the world, and the people will definitely remember your kindness when the time comes. Shen Chongming patted his ass and said.

"Uh...... Hehe, there is some truth in what you said, since it is for the people of the world, this matter must be done whether it can be profitable or not! Emperor Longqing reluctantly smiled and said, this kid actually used it to persecute himself for the sake of the people of the world, as the emperor, he had no room to retreat!

Shen Chongming's face was delighted, but before he could speak, he heard Emperor Longqing continue: "However, you'd better think of a way, if this bank can make a profit, it would be great, in addition, the distribution of this dry shares, my inner treasury will be out of 20%, you will be out of 30%, and the court will be out of 50%, what do you think?" ”

Shen Chongming was stunned for a moment, and then understood that the emperor had a good idea, and the absolute risk was evenly shared, it seemed that his old man was really not very optimistic about this matter, but in this case, he could still agree to his plan, and he really trusted himself!

But this is better, you can make a lot of money with 30% in your hands: "Yes, Weichen understands, it's still the old rule, this bank is called the Royal Bank, the emperor, you don't have to pay a penny of silver, you can use this prestige to buy shares!" ”

"How does this work? Hehe! Emperor Longqing smiled, but he didn't explicitly refuse, to be honest, there is really not much silver in the inner treasury now, and his plan has been achieved in the year after tomorrow, this palace should be repaired inside and out.

"Your Majesty, your prestige is a priceless treasure, how can it be measured by silver money!" Shen Chongming's sycophant sent it again: "Then since you have no opinion, Weichen will go to the teacher to discuss the matter of the imperial court's shareholding, if the teacher agrees, then it is not too late to take it to the court to discuss!" ”

"Well, go ahead! Everything depends on what Mr. Gao means, hehe! Emperor Longqing smiled, if this bank can really make money, his inner treasury will have one more entry!

"Nonsense, why did you come up with such a moth idea again, go on like this, and let the emperor follow you to do business!" As soon as he said what he meant, Gao Gong slapped the table.

He has heard a little about the things in the palace, the emperor has not left his mouth these days, and many of the excerpts handed by the cabinet are just for Chen Hong to look at, and if he goes on like this, he is afraid that there will be another thing that the Son of Heaven will not be in the early dynasty.

"Teacher, this is not nonsense, it's not too late for you to listen to the disciple first and make a final conclusion!" Shen Chongming said with a smiling face.

"There's nothing to say, this matter is absolutely not good, what bank, isn't it just a money bank that pours silver from the left hand to the right hand, and it is better to do business in a down-to-earth manner without getting it for nothing?" Gao Gong's anger did not decrease, this kid became more and more bold, and he let him feel at ease to do things in the court and not participate in military affairs, but why did he always think about his business?

Shen Chongming was worried for a while, it seems that the teacher is not as easy to deceive as the emperor! He has been an official for many years and has seen a lot of things, and nothing can escape his eyes.

"Teacher, this bank and the money bank do have a lot of similarities, but they are also different, this money bank is run by private businessmen, naturally for profit, but this bank has the court involved in it, so that the money is secondary, for the sake of the country!" Shen Chongming said bitterly.

"Since it is for the sake of Jiangshan Sheji, then this bank can be established by the imperial court, and there is no need for you Shen Chongming to interfere!" Gao Gong's face was full of disbelief, this kid is a guy who can't afford not to get up early.

Shen Chongming was speechless for a while, to tell the truth, he really saw the business opportunity in it and was in a hurry to start a bank, but he couldn't say this to the teacher, with his temperament, if he said so, then this matter would really have to be in vain.

"Teacher, the reason why the student intervened in this matter is for the future! You also know that as long as it comes to money, people who are greedy for ink must be indispensable, especially this bank, the white silver flows from the hand, absolutely seductive, if all handed over to the court, the person in charge must not be exchanged for it! Now with the addition of students and the emperor, the three parties restrain each other. Although it is impossible to completely cut off, it will be better in the end, what do you think, teacher? ”

Shen Chongming's words were very beautiful, but it was still difficult to move Gao Gong's heart: "Then tell me, what is your purpose in founding this bank!" ”

The tone was a little loose, but Shen Chongming could still hear it: "Teacher, the benefits of starting a bank can be said to be countless!" First, the development of commerce and trade in various places is getting faster and faster, and the settlement of money between merchants is getting bigger and bigger, and these involve large sums of money. Although there is a money bank can be exchanged through the two places of silver tickets, but the cost of the money bank is too high, many people eventually choose to carry their own, which can be inconvenient and dangerous, but once we set up a bank, these problems will be solved! ”

Hearing this, Gao Gong frowned slightly, and said puzzledly: "What's the explanation, isn't this bank not charging this fee?" ”

"It's not that you don't charge it!" Shen Chongming deliberately sold a pass, and seeing that Gao Gong began to stare again, he hurriedly said, "But we still have to give them silver!" ”

This high arch couldn't be stabilized, and he exclaimed: "What? Give them another sum of silver, and that ...... So how does the bank make a profit? Although the imperial court is much more prosperous at the moment, it does not have the financial resources to do things at all, and once it can be obtained so freely, then everyone will have to put the silver in the bank! ”

"Teacher, after you listen to the disciple, the silver paid to the depositor is naturally very small, but even so, it is better than the windfall profits of the bank, and we are not not using the silver deposited in the bank, but the students can lend the silver to the people who need the silver, at this time we will charge a certain interest, in this way, the profit will be there, and the interest we charge is much lower than the private usury, I believe that the merchants who continue to use the silver turnover will rush to it, hehe, This is the second benefit, what do you think, teacher? ”

"Well, that sounds like that makes sense!" Gao Gong nodded thoughtfully, and then frowned and thought about the feasibility of this matter,