The Spring Festival of the seventh year of the Apocalypse has arrived, the princesses of all sizes have been married, and the family is a little quiet, Zhu Youxiao now has four children, in addition to the three sons, Queen Zhang Yan gave birth to a little princess, this time it was born smoothly, after all, it was the second child, and I didn't want to go through the ghost gate for the first time. Their family is now a family of eight, and the other is the queen mother, in order to prevent the queen mother from playing mahjong with those palace maids all day long in the harem, Zhu Youxiao asked the queen mother to move to her own yard to live. In fact, the Queen Mother is not too old, now only forty-one or twelve years old, according to later generations, she is still a young woman, but in this era, she is already the Queen Mother, so she has to look older, so she dresses more solemnly, the advantage of living here is that four grandchildren around the knee, every day is happy.

Empress Zhang Yan and the two imperial concubines let Zhu Youxiao teach them to read, in addition to the ancient women's classics, that is, the knowledge of modern science, including mathematics and natural common sense, and let them go to the homes of scientists who are not very polite to talk to their wives.

The eldest son, Zhu Ciran, is three years old and can write a few words under Zhang Yan's teaching, and the two younger sons are already walking neatly, and they like to pester their brother to play when they have nothing to do, and the three children are also lively. In short, the family lives in harmony, and it is no different from ordinary people.

Approaching the end of the year, Zhu Youzhen came back from the far north, where it has basically settled down now, Sun Chuanting firmly guarded Zhu Fort, and Mao Wenlong had nothing to do, mainly to find a suitable place to establish a village, so that the nomadic tribes in those places can settle down, in fact, Sun Chuanting did these jobs there, the main purpose is to consolidate the border, and now it is not clear that the materials hidden in these places will gradually show up later.

The Spring Festival of the seventh year of the Apocalypse was peaceful and peaceful, there was no bad news from somewhere, after the fifteenth day of the first month, the Ministry of Officials and the Ministry of War began to be lively, the reason is that the commercial banks around the country saw huge business opportunities from the cooperation between the Tenglong Bank and the Daming Royal Trading Bank, and began to learn from them, when the cabinet passed the report on overseas exploration, the commercial banks around the country began to set up their own expedition teams, security teams, and thus opened the curtain of the Ming Dynasty's foreign development.

After opening the curtain of overseas exploration, the imperial court must formulate corresponding laws, otherwise a piece of scattered sand, to the outside is also someone else's dish, because there are too many European expeditions outside, and people have more than 100 years of exploration history, so if you want to go out to explore, you must have a certain knowledge of exploration, in this regard, Jiangsu, Zhejiang, Liangguang generation of businessmen are more experienced, like these inland commercial banks do not have these experience, their best way of development is based on the country.

In order to maximize the benefits and reduce unnecessary losses, Zhu Youxiao asked Yang Lian, president of the Daming National Bank, to convene the presidents of various local banks to come to the capital for a meeting to discuss the upcoming era of great navigation and great development.

At the beginning of February, Beijing is still a little cold, but in the suburbs of Huangzhuang is very lively, under the proposal of Yang Lian, president of the Ming National Bank, Shanxi Bank, Jiangsu and Zhejiang Bank, Guangzhou Merchant Bank, Chaoshan Bank, Huishang Bank and other domestic banking giants of the Ming Dynasty gathered here, waiting for the Ming Emperor Zhu Youxiao to give them a lecture, which is a rare glory. In history, the status of businessmen has always been ranked in the last position of officials, farmers, industry and commerce, and it has always been said that there is no businessman and no traitor, which is the best evaluation of businessmen, and has always been regarded as a group of moths.

In the hall of Huangzhuang, the long conference table was full of bank presidents and major shareholders, which Zhu Youxiao arranged in advance, so there was no need to stand and wait, everyone just sat down. When he walked freely into the door, Wang An said "Your Majesty has arrived", and many people knelt down directly, and the rest knelt down as soon as they saw that they were kneeling, and Yang Lian hurriedly asked them to stand up, so that everyone should not delay time, Your Majesty has a lot of things.

Zhu Youxiao stood at the main seat of the long conference table, behind which was a huge world map, Zhu Youxiao waved his hand and asked everyone to sit down, but he stood and spoke to everyone, making these governors very uncomfortable, so they saw Yang Lian still sitting steadily, so he felt a little comforted, Yang Lian was used to this kind of scene, but the businessmen had never seen it.

Zhu Youxiao said: "In the past few years, we have seen the very rapid economic development of Daming, which is inseparable from everyone's joint efforts. What will come will be a time of even faster change, and a hundred years ago, European countries had already begun their expeditions on the sea. We all know the truth that 'people are cheap when they leave their hometowns, and things are expensive when they leave their hometowns', and these explorers just understood this truth very well, so they began to trade goods around the world, such as various spices and exquisite jewelry that we often use, many of which were brought by Westerners, and then the artillery that everyone is not familiar with, in fact, they are all the same. In the vast sea, there are countless opportunities to make a fortune, but it is also full of dangers, sometimes even greater than on land, and this should be well understood by the merchants of the coastal areas. We are a traditional agrarian civilization society, and we don't know much about trade on the sea, and in order to keep up with the pace of the times, we must also go out and open our eyes to see the world. ”

Zhu Youxiao turned around and pointed to the map with the whip in his hand and said: "All along, we have thought that China is the center of the earth, and through this map, you can see that we are only a small part of this land. Europe is about the same size as ours, and now there are a lot of things that we don't have, relatively speaking, a little more advanced than our culture, and there are many things that we have to learn. ”

Zhu Youxiao continued: "In order to learn from them, in the year before last, the Daming Royal Trading Bank and Tenglong Bank cooperated, and sent a strong expedition team to the outside, after more than a year of difficult sailing, around the whole earth, as for the harvest, everyone has seen that the Daming Royal Trading Bank and Tenglong Bank have made a lot of ditches, but they have experienced various risks, we do not understand. In order to not only carry out activities on the sea, but also reduce unnecessary losses, we invited the main person in charge of this expedition, Niu Jinxing, the shopkeeper, General Yu Hualong, to introduce some of the risks encountered and how to face them. ”

In the following time, Niu Jinxing and Yu Hualong pointed to the map and introduced to everyone how they sailed with the Portuguese fleet, how they saved them in several pirate attacks, how they got their help in the wind and waves, until they established trade points in the Americas, opened up local construction, etc., and listened to these merchants one by one dumbfounded, feeling that they were just frogs at the bottom of the well, and sighed that the world was so big and the changes were endless.

Next, Zhu Youxiao summarized this: "Everyone has learned about the risks and benefits at sea from the introduction of Niu Jinxing's shopkeeper and General Yu Hualong, and everyone can evaluate their abilities well." Their experience can be shared, the nautical charts, the equipment used, we can make it, we make it ourselves, we can't make it, they also buy a lot of it from Europe, and we can still share it. ”

"In order to better reduce the risk, you can hire some crew members from the returning fleet according to your own needs, and decide your own implementation plan based on your own actual situation. Moreover, the opportunities are not all on the sea, especially the inland merchants who are not very suitable for sea exploration, look at the territory that we have been expanding in recent years, whether it is the west or the north, where we also need our help, there are also countless opportunities waiting for us, we need to explore and develop. There is also the fact that we need the most basic construction, and there are many more things that we need to research and manufacture, and these are all opportunities for investment. ”

"Everyone, everyone is the elite of the Ming people, I hope everyone will help each other in the process of exploration, and don't attack each other, just like this time Niu Jinxing, Yu Hualong and the Portuguese cooperated, once there is a robbery, everyone will be wiped out. Now I have a sentence here, the benefits can be equalized, the risks must be shared, if anyone sees a comrade in distress and does not save him, as long as he finds it once, you will not only lose the qualification to explore, but also be severely punished by the imperial court. Next, Daming will set up an insurance company, its role is to share risks, as for how it works, let's go back and discuss with President Yang Lian. ”