Chongzhen felt very sad.

Everyone is an emperor, you look at the emperors who are clear of mites.

Kang Mazi, the guy who got out of the smallpox and was full of pits, paid a private visit to the micro-service every day, and didn't see what the goods were doing, and he made a private visit all the way to tease the girl.

Qianlong, the guy who has Han blood but can't have it at all, is also blind every day, and goes down to the south of the Yangtze River at every turn. First, there was a Xia Yuhe on the shore of Daming Lake, and then there was a nine-year-old son, and with the help of this son, he gave a county order to the name of the pair.

Of course, people are the emperors of the mite Qing, no matter how much nonsense they make, they are all a generation of Ming monarchs, and our Chongzhen Emperor can't compare, but Bibi is also the Zhengde Emperor of the Ming Dynasty, right?

The results can't be compared. Emperor Zhengde's father is powerful, and the family property left behind is rich, and the minister is powerful. Therefore, people Zhengde can also go down to the south of the Yangtze River to make waves.

What about Chongzhen again? Dad is not powerful, and he hung up in a month. The royal brother also dropped the chain, it's only been seven years, and he hasn't understood it yet, so he also hung up. Throw this mess away and give it to Chongzhen.

Counting Chongzhen's father and Chongzhen's brother, the treasury left millions of taels of silver, and the ministers left behind could not find any more suitable words for Chongzhen in addition to describing them as pit goods - they are not as reliable as eunuchs. What is the saying? The civil officials of the Ming Dynasty rely on it, and the sows are all on the tree?

Now Chongzhen's heart is very unbalanced, people can be the emperor when they can wave, it is his turn to be the emperor, in order not to hang himself on the old crooked neck tree, he has to be diligent! You can't just wave as much as you want!

No, Chongzhen looked at Shi Fenglai and Guo Yunhou in front of him, and he had a headache again.

These two people came to ask questions about Daming Royal Bank and Daming Minsheng Bank.

The problem is that Emperor Chongzhen before the crossing was just a wild program ape, and he didn't understand what the bank was all about - even the bank's business system was not accessible to a wild program ape like him, and it was said that it was a cross-platform high-end product.

But fortunately, although I haven't seen a pig run, Emperor Chongzhen has eaten pork, and before he crossed, the mortgage he borrowed from the bank has not been repaid.

Chongzhen opened his mouth and said: "The matter of this bank, first of all, is to absorb private bank, and secondly, to lend.

The so-called attraction of private silver taels is to attract the people to deposit the silver taels in banks. Not only can the bank not charge a custodian fee, but also need to pay interest to the people on a monthly basis, if the people do not win, the interest will be included in the deposit of the silver taels, turned into the principal, and continue to calculate the interest. ”

Guo Yunhou was curious: "Your Majesty, in this way, if the people don't withdraw the silver taels, the interest will accumulate more and more, and the principal of the bank will also increase, how can the bank afford to pay it?" Even if you lend, how can you recover so much interest? What if someone borrows a loan and doesn't pay it back? ”

Chongzhen smiled disdainfully in his heart, who would dare to pay back the money he owes me? When Lao Tzu's brocade clothes and guards are not furnished? At that moment, he said to Guo Yunhou: "The people save one or two pieces of silver, assuming that the monthly interest is one penny, and lend to those who need money urgently, such as merchants who want to engage in big business or urgently need silver two turnovers, and they can be charged a monthly interest of three cents to five cents for every two pieces of silver, so that there is not only silver to pay interest to the people, but also bank profits in the middle."

As for someone who does not repay the loan, first, the loan needs to be guaranteed or collateralized, such as shops, fields, antiques and other valuable things.

Second, isn't there still a brocade guard? Anyway, people will not easily borrow from banks, even if they borrow, they will not borrow much.

If a merchant is unable to repay the loan when it is due, the mortgage will be taken into the possession of the bank so that the debt will not be ruined.

If they can repay it but don't pay it back, no matter who is standing behind them, let the brocade guard go to them and ask for it. ”

Shi Fenglai said: "Your Majesty, after all, in this Ming Dynasty, there are many vassal kings and nobles, if so?" ”

Chongzhen said: "Let them borrow, I want to see who dares to owe the royal silver and not pay it back." Those who dare to rely on the debt, the vassal king cuts the domain, and the lord goes to the lord! ”

Guo Yunhou continued: "Your Majesty, in this way, these two problems have been solved. It's just that there are two more tricky questions, and I hope that Your Majesty will give you advice. ”

Chongzhen is very curious, these two problems have been solved, what are the problems? said to Guo Yunhou: "Aiqing said to listen to it." ”

Guo Yunhou said: "First, how to attract the private sector to deposit the bank and the bank? After all, this Daming has never had it before, it is the ticket number, and it is only made by businessmen for their own convenience. As for the second, if there is no one to borrow, what should we do? ”

Chongzhen pondered for a moment and said: "I will take the lead in attracting the people to deposit the silver." After the establishment of the bank, the silver taels were deposited in the palace. Presumably, some of the people will follow suit.

It's just that in any case, we must first ensure that the people can withdraw their savings at any time, whether it is treasure money or silver taels, and they must be well prepared. There must not be a situation where the people want to withdraw, but there is no silver tael on the door of the cabinet.

As for no one to borrow, a separate yamen can be set up in the bank to find things that can make money to invest.

In addition, I intend to make the Changlu Salt Farm bigger, and then order Denglai to dry more sea salt and return the salt to the official camp. Only the needs of these two salt farms will be invested by the bank, and the profits of the salt works will be divided into one layer with the bank. ”

Guo Yunhou was overjoyed when he heard this, and hurriedly said, "Thank you, Your Majesty, for your advice." What about pension money? And how to deal with it? Are there also feudal kings and nobles? ”

Chongzhen said: "What do they have? What more do they want? The dignified vassal kings and nobles are all hereditary and have their own fiefs, but there is no such pension silver and that honest silver. ”

Shi Fenglai suddenly remembered something, and asked: "Your Majesty said before that the Daming Royal Bank specializes in the printing of treasure banknotes, and the Daming Minsheng Bank specializes in operation, why not merge the two into one?" But is it better managed? ”

Chongzhen thought to himself, although there are banks in the future that can not only issue banknotes, but the officials of the Ming Dynasty have long since fallen to the ground, and I dare to let you be both referees and athletes?

Thinking in his heart, Chongzhen said to Shi Feng: "In my conception, the Daming Royal Bank is the foundation. One is to print treasure money, and the other is that there will be more banks in the future, such as the Daming Construction Bank, which specializes in constructive investment in bridges, roads and city walls in Daming, and can also absorb private silver and lend money.

There is also the Daming Industrial and Commercial Bank, which not only lends money to craftsmen's workshops and shops, but also absorbs private deposits, and can also lend.

In short, there will not be only one bank in the future, and there will be both cooperation and competition between banks. This Daming Royal Bank is the top boss of these banks, and it is necessary to guide them.

Didn't Jin Yiwei arrest a lot of people with ticket numbers before, bring them out of the edict, and study with them how to deal with this matter. ”

After wasting his tongue for a long time, Chongzhen finally cleaned up all the little things he had about the bank in the future.

After Shi Fenglai and Guo Yunhou left, Chongzhen said to Wang Chengen, who was waiting for the first emperor: "Go, send someone to inform you, and tomorrow will be the day." Ordered the civil and military officials to go to the vegetable market to watch the execution. In addition, let people go to the vegetable market to find me a better location, if you can see the officials, I will go to see it tomorrow. ”