Just when the princes and princes from all walks of life entered Beijing together, hundreds of officials from the Ministry of Industry also began to go to various places to build bank outlets.

In this day and age, although land is privately owned, it occupies less than half of the country's land. In every county, there are large tracts of land and houses that belong to public housing.

However, none of these houses meet the bank's basic requirements, which are sturdy.

Therefore, every bank branch needs to be rebuilt, and the most basic requirement is to have a solid basement made of stone, cement, and steel bars, which can store gold, silver and copper coins.

On the Xiamaqiao Farm, thousands of officials recruited by the Ministry of Household Affairs and the Internal Supervisor were divided into 52 teams, each with 50 people, and accepted the new bookkeeping method and security precautions.

There were nearly 2,600 people, and the highest positions were the two attendants of the household department, as well as the two great eunuchs of the Silver Bureau, less than a hundred official officials, and all the others were the children of the noble family, including the main personnel in the young army.

As for the instructors, they are the soldiers of the Azi Battalion of the Young Army, who have received at least four years of Young Army education, are proficient in algorithms, can be proficient in the application of letters and symbols, and are proficient in cryptography.

Not only do you have to embrace modern bookkeeping, you need to be proficient in passwords, and in addition to security awareness training.

It is also helpless to use Xungui's children to serve as the heads of various outlets, because in this era, only Xungui's family has a big business, and they are not afraid of corruption and bribery.

As long as they dare to embezzle and take bribes, they can make up for the losses by directly raiding their homes.

Secondly, it is also because these literati look down on being the "shopkeeper" of a silver number, and they originally wanted to recruit some talents or lift people, but few people signed up.

As for the more than 100 people who signed up, most of them were over 30 years old, and they belonged to people who had almost no way out in scientific research.

In a short period of time, even Zhu Zhanji could not change their thinking.

Ordinary people who can't read a single word can't do the work of a bank at all.

The business outlets in the country are basically two outlets in each state capital and one outlet in each larger county. Then there are eight outlets in the capital, customs and ports, and the layout of each outlet is basically guaranteed.

In addition, in Jiaozhi, Nuer Gandusi, Beimingshan, Dongying, Sumatra, and Luzon, which are controlled by the Ming Dynasty, also have their own outlets.

In the entire Ming Dynasty, each bank is equivalent to opening 1,200 outlets at one time. There are a little more commercial bank outlets under internal supervision, with 1,310 outlets, while the number of bank outlets in the household department is slightly smaller, at only 1,260.

These different outlets are those set up by commercial banks outside the country, but the account department has not yet extended its tentacles abroad.

Because it is the internal supervisor who takes the lead, many of the sons and daughters of the nobles are still reluctant to work in commercial banks. Zhu Zhanji had no choice but to promise that if he went to work in a commercial bank, he would give priority to his family's commercial trade and loans. This time, the talents who signed up were enough at once.

In fact, if you don't think about reputation, working at DBS will be harder because of the lack of staff. Commercial banks, on the other hand, are more relaxed because of the abundance of internal supervision staff.

Many internal supervisors are not qualified for the work of "shopkeepers" only because they are illiterate, but there is no problem with them in talking about business and supervision.

In addition to the two banks, Zhu Zhanji planned to build 20 vaults across the country according to the current population distribution and troop deployment of the Ming Dynasty.

The role of these 20 vaults was to regulate the flow of gold and silver between the various local outlets, and the general manager was Chen Xuan, who had served as the chief military officer of Caoyun since the first year of Yongle.

Chen Xuan participated in the war to pacify the southwest in his early years, and successively served as the commander of the right guard in Chengdu, the commander of the Sichuan Xingdu Division, and the governor of the right army.

During the Battle of Jingnan, he led the sailor to attach to Ming Chengzu, and was awarded the title of Fengtian Yiwei Xuanli Wuchen and Pingjiang Bo.

He served as the chief military officer of Caoyun from the first year of Yongle, and later also took charge of local affairs in Huai'an. He supervised Caoyun for 14 years, reformed the Caoyun system, repaired the Beijing-Hangzhou Canal, and made outstanding achievements.

At first, he was asked to be the governor of Daming Bank, but he was still a little reluctant. Because in Huai'an, he is the governor of one side.

If it weren't for the fact that Caoyun is gradually not taken seriously, and the sailor is directly under the jurisdiction of Zhu Zhanji, it would be difficult for Zhu Zhanji to make him obedient.

From the time he obtained Magellan's voyage diary, Daming learned a certain pattern of typhoons, and he was able to effectively use the monsoon and avoid typhoons.

In addition, now Jingping in the East China Sea, the grain transported to the north mainly relies on sea transportation.

Today, although the canal is dredged, most of the inland merchants use the waterway.

Chen Xuan became the chief soldier of one side at the age of thirty-eight, and the governor of the right army, of course, he was not stupid. He clearly realized that shipping is faster than water transportation, and the carrying capacity is larger, and in the future, Daming's transportation will mainly rely on sea transportation.

In addition, he didn't dare to say goodbye to Zhu Zhanji, the grandson, so after being recruited by Zhu Zhanji, he reluctantly came to the capital.

However, during the training period, Zhu Zhanji also told him a complete story about the layout and development of the bank, and he became a little interested.

In the past, he was only in charge of Cao Yun and the local security in Huai'an, but now, he is in charge of the inland water transport of the whole country, which is more powerful than before.

However, he insisted on refusing to accept the position of bank president, because the Ming Dynasty had no president before, and this official position could not attract him.

Zhu Zhanji could only follow the customs of the locals and made up a position as the governor of the bank.

As his deputy is Zhu Zhanji's uncle Mu Xin, who originally hung up a position in the main and guest department of the Ministry of Rites. Zhu Di was very fond of him, and after going to Dongying to gild, Zhu Zhanji prepared a bank and sent him over again.

Daming land transportation mainly relies on post stations, and the entire Daming post station is responsible for the main and guest departments of the Ministry of Rites.

One of the main and guest divisions, specializing in admirals. The following is divided into nine halls, there are three halls in the south of the Yangtze River, with one director, and six halls north of the Yangtze River, with two directors to supervise the world post station.

However, in the local post stations, transfer stations, etc., they still have to accept the dual leadership of the political envoy and the inspection envoy, which is equivalent to the three masters of the same yamen.

Mu Xin, who served as the director of the Ministry of Rites, was arranged by Zhu Zhanji to be the deputy governor of Daming Bank, specializing in the transfer of gold and silver by land, and also responsible for the national inspection and audit.

Today's banks are only equivalent to silver numbers, only in and out of the accounts, after the unified standardization of double-entry bookkeeping, the accounts are not difficult to check.

Any management is a battle between management and management, and all systems can only be improved slowly. Don't say that Zhu Zhanji doesn't understand the too complicated banking management system, even if he does, it is inappropriate to take it out all at once.

The business scope of the two commercial banks was determined from the beginning, and then the gold and silver were dispatched by the head office, but the head office could only have business with the two banks and did not involve any specific business. The following two banks only manage the inflow and outflow of gold and silver, and reconcile accounts with the head office every ten days.

Although this management model is a bit cumbersome, it ensures that the two commercial banks compete with each other and supervise each other, and at the same time, there is stricter supervision at the top.

At least for now, this approach is sufficient.

When these personnel were being trained, Zhu Zhanji also made a suggestion box and asked each of the personnel to provide suggestions.

Whether it is to write suggestions anonymously or directly with Zhu Zhanji, as long as it is useful, Zhu Zhanji will give a reward.

Throughout the first half of September, apart from occasionally picking up the elders who were close to him who had come to Beijing, Zhu Zhanji was busy with these things.

On September 16, he took Liu Chenghui to the wharf of Chungmichang. However, this time he did not come to pick up those princes and princes, but to welcome the Zhonghe Zidao who entered Beijing from Huizhou.

At the beginning, Liu Chenghui said that Zhonghe Zidao was proficient in medical skills, especially in the study of miasma, and Zhu Zhanji wanted to recruit him. But considering that he was seventy-two years old, he was afraid that he would have an accident when he went out, so the matter was delayed.

But he never thought that after Liu Chenghui came back from Dongying, he knew that the Ma family had made a microscope and could see bacteria, so he wrote a letter to him, explaining in detail the purpose and function of the microscope.

Then this old man actually took Liu Chenghui's letter, took a boat from Huizhou to Quanzhou, and relied on this letter in Quanzhou to get on a grain ship in Nanyang and ran over.

It wasn't until two days ago, when the ship was suspended in Ningbo, that Yu Xian learned that there were still two guests of Taisun Chenghui on board, so he hurriedly asked the person who returned to Beijing to bring a letter to Zhu Zhanji.

Zhu Zhanji was also extremely surprised when he heard the news, he didn't expect that this old man was seventy-two years old, and he was still so impatient.

But it's also a good thing that he can take the initiative to come. If there is a solution to the miasma, it will be a blessing.

But even though he thought so, he didn't have much hope.

Miasma is a poisonous gas produced by the decay of animals and plants in tropical and subtropical primeval forests, mainly due to the lack of effective disposal of dead animal carcasses, coupled with the high temperature in the tropics, which creates favorable conditions for the production of miasma.

In the past, the main way to control miasma was to set fire to the mountain, but this method destroyed the environment, and even ancient people, if it were not for war, rarely used this method.

Zhu Zhanji, who received education from later generations, knew that the so-called miasma was not actually the source of infection, but the real source of infection was various microorganisms.

For example, poultry cholera bacillus, tuberculosis bacillus, Vibrio cholerae, leprosy bacillus, typhoid bacillus, pneumonia bacillus, tetanus bacillus, etc., are the causes of infectious diseases.

And these germs can be seen directly through a microscope, but how to prevent and control them, Zhu Zhanji does not know. Because this is also a complex science in later generations, it is difficult to distinguish what the difference is if you do not specialize in this.

Just like so many viruses and bacteria, Zhu Zhanji knows at most a name, and he puts them in front of his eyes one by one for him to distinguish, and he doesn't know which one is which.

In this day and age, it is difficult to solve these problems.

However, Zhu Zhanji does not want to completely solve these germs, he just wants to prevent them, and it is enough to be able to prevent them.

Today, the pier has been replaced with a concrete pavement, and the scale has been expanded a lot, and a trestle bridge goes deep into the river, which can directly dock nearly 5,000 tons of giant boats.

On one side of the trestle, a conveyor belt driven by a giant waterwheel is constantly transporting the rice unloaded from the boat to the shore through the conveyor belt.

However, at present, there are still some fewer conveyor belts, which cannot meet the needs of loading and unloading at all, so there are still many strong people who are loaded on the wharf.

Because most of them only wore a pair of calf pants, Zhu Zhanji did not take Liu Chenghui to the nearest place, but stayed in the building boat.

Today, he was not in a hurry, Zhu Zhanji did not ride a horse, but came directly by boat, picked up Zhonghezi for a while, and returned directly to Xiamaqiao Farm.

"Your Highness, the ship is coming."

Zhu Zhanji looked at the excited Liu Chenghui and said with a smile: "I used to see you dignified and generous, but today I look like a little girl." ”

Liu Chenghui was a little embarrassed, and said with a smile: "The Taoist treats the concubine like a granddaughter, and this time he will enter Beijing because of the concubine......"

"Well, don't remind me, I've always respected people who have real talent and learning."

She smiled and said, "That's not what the concubine meant, but I'm really happy in my heart, and I don't know how to express it." ”

Zhu Zhanji smiled: "If you are really homesick, I will go back and arrange for your father to be transferred to the capital......

Liu Chenghui nodded happily, but said a little gloomily: "Father's scholarly spirit is actually not the material for being an official. If His Royal Highness takes pity on the concubine, he has the opportunity to transfer him back to Yuhang's hometown, even if he is an adjutant, it is better than now. ”

Zhu Zhanji is still quite satisfied with Liu Chenghui, Dongying and his party, not only did she not add trouble, but also helped Zhu Zhanji deal with a lot of trivial matters. If someone around her has a fever and cold, she can also cure the disease.

"Okay, I'll take this to heart. If you really miss home, go to sea this winter, pass through Huizhou, and take you home. ”

Liu Chenghui bowed, and tears flowed down. "His Royal Highness is kind to the concubine, and the concubine is in his heart."

It's just that she is eight meters tall and looks like a child, which makes Zhu Zhanji really unaccustomed to it. "You are also my little wife, of course I have to be good to you. Quickly wipe away your tears, and don't let the Zhonghe Zidao Leader think that I bullied you for a while. ”

The women of this era are so easy to be satisfied, just a little kind, they are satisfied.

I don't know how many ordinary people have families, and it is the norm for men to beat women when they are idle and have nothing to do.

The grain ship slowly leaned on the side of the trestle, and a group of small boats approached first, which was a long-distance passenger who had to get off the boat first, and the people would start to unload the grain after they had finished.

The two chamberlains approached first in a small boat, flying the royal flag, and saw from a distance that the royal ship was parked not far away, and no boat dared to rob them.

After a while, they brought back two old and young people wearing Taoist robes.

Lao Dao's hair is all white, but his complexion is ruddy, and his wrinkles are not obvious.

Not to mention anything else, just this old fairy appearance can already score a hundred points. In this day and age, 80% of people will believe it when they go out to tell fortunes.

The little one was also forty years old, carrying a medicine box on his back and a pile of luggage in the cabin, and looked like his apprentice.

Zhu Zhanji couldn't help but ask, "Is he really seventy-two years old?" ”

Liu Chenghui nodded and said, "When I was young, he was almost the same as now, but his hair was not completely white......

As she spoke, she couldn't help but greet her, and said with a lady's salute: "Ronghui has seen Grandpa Xu, the chief of Yuanzhen." ”

The two Taoist elders didn't dare to accept her full salute, so they turned half of their bodies sideways, and said, "By all means, the eldest sister is now the concubine of the grandson, and now it is different from the past." ”

"In Rong Hui's heart, the Taoist chief will always be like a grandfather...... Come, come with me to see Your Highness. ”

The windows on the first floor were open, and Lao Dao had already seen Zhu Zhanji, so he didn't dare to be negligent, and followed Liu Chenghui into the cabin on the first floor with bated breath, and the two saluted: "Poor Dao Zhonghezi and the little apprentice Yuanzhen have seen His Royal Highness." ”

"No court......esy" Zhu Zhanji stood up and asked them to sit down under him, Liu Chenghui also sat on Zhu Zhanji's right hand, looking at Zhonghezi with a look of admiration.

The two Taoist leaders seemed to be a little unaccustomed, and smiled politely and modestly. Although the battle to meet them today was not large, there were also 100 Jinyi guards, internal supervisors, Yulin guards and personal guards on board.

Around the ship, there were ten small boat guards, twenty sailors and thirty guards on each boat. And on the shore, there were a hundred cavalry and five hundred infantry.

Ordinary people can't even say anything when they see this kind of battle. Although Zhonghezi has rich experience, he doesn't know how to deal with Zhu Zhanji, the grandson, and he seems a little restrained.

In order to alleviate their restraints, Zhu Zhanji first inquired about their journey, and then introduced Yiqingzi and Xuancheng to know them, they are both Taoist priests, and the Taoist priests in the world are one family, and in the face of them, Zhonghezi will never be restrained.

The boat slowly drove along the Qinhuai River to the southeast, and after a Qingzi's turn, Zhonghezi finally calmed down.

Only then did Zhu Zhanji ask him about some theories and views in the "Five Qi Theory" that were difficult to determine.

Zhu Zhanji's investigation of this book did not expect that his current knowledge reserve has far exceeded that when he wrote this book, it has gone one step further.

From the reciprocal restraint of the five elements, he has developed to specialize in the formation and infection of miasma, and when there is no empirical evidence, he mentions the existence of germs.

"The old road has traveled all over the north and south of the river over the years, and most of the miasma is formed in the south of the Yangtze River. For example, Guangxi and Jiaozhi are the places with the most miasma, and Ganzhou in Lingbei Province also appears rarely, but further north, it is very rare......

"For decades, Lao Dao has sorted out all the miasma he encountered. According to the onset season, spring is called green grass miasma, summer is called Huangmei miasma, autumn is called Xinhe miasma, and winter is called Huangmao miasma.

According to the symptoms, it is divided into cold miasma, hot miasma, dumb miasma, etc. According to the name of the tree there are osmanthus miasma, chrysanthemum miasma, according to the animal named after the snake miasma, peacock miasma, earthworm miasma, duck insect miasma, wasp miasma, etc., as well as miasma, Mengsha, water miasma and so on. ”

Zhu Zhanji really didn't expect that there were so many types of miasma, which shows that this old Taoist is indeed an expert!

At first, he was a little restrained, but when it came to his profession, he talked eloquently and seemed confident.

"Because the season and symptoms are completely different, Lao Dao has always wondered what is in this miasma that will cause different symptoms. Only by finding the cause can we prescribe the right medicine and achieve the effect of cure.

Therefore, Lao Dao heard that His Royal Highness had made a mirror here that could magnify subtle objects a hundred times, so he couldn't wait to come and have a look, and the subtlety could give Lao Dao some inspiration. ”

Zhu Zhanji finally interjected and asked, "Dao Chang has been studying miasma for a long time, what kind of medicine is used to avoid contracting miasma?" ”

Zhonghezi was obviously prepared, and said with a smile: "Miasma is divided into cold miasma and hot miasma, hot miasma can be treated with Qing miasma soup, and the medicinal flavors include Artemisia annua, Bupleurum, Poria cocos, Zhimu, Banxia, Skullcap, Changshan, Zhuru, tangerine peel, Coptis chinensis, Citrus aurantium, etc., and can also be used as a medicine Zixuedan." The cold miasma is not dispersed with gold, and the medicinal flavor has atractylodes, tangerine peel, magnolia, Huoxiang, licorice, etc., and Suhexiang pills can also be used.

In addition, calamus leaves, peilan leaves, mugwort leaves, artemisia leaves, sandalwood, wood, betel nut, tobacco, etc. can also be prevented, but the effect is not very good.

In Guangxi and other places, local people often eat chili peppers, snakes, salt bran, kaempfer, turmeric, medicinal sauce leaves, etc., which can also be prevented, and the effect is even inferior.

Nowadays, Lao Dao thinks that the most effective is the coix seed discovered during the Three Kingdoms period, which has the best effect on miasma. ”

Zhu Zhanji asked curiously: "The Taoist didn't mention the camphor ......?"

"Camphor is mainly used for external prevention, and it is precisely because of this substance that Lao Dao began to suspect that the miasma is not a toxic gas, but something else."

Zhu Zhanji asked curiously: "How do you say this?" ”

Zhonghezi asked his apprentice Yuanzhen to hand over the medicine box, opened the medicine box, took out a camphor wrapped in cloth and said: "Put this thing in the wardrobe at home to avoid mosquito bites." However, soldiers can also effectively avoid miasma by placing it in their mouths and noses. So, are there mosquitoes in the miasma that we can't see? ”

Zhu Zhanji didn't expect his thinking to be like this, and it was very reasonable, so he just wanted to remind the other party that he didn't need it.

Zhu Zhanji laughed and said: "Speaking of this, Gu used a microscope to observe a drop of water, you don't know what Gu found." ”

"A drop of water...... "Zhonghezi Lao Dao groaned for a while and said, "Your Highness, didn't you see that a drop of water is full of insects?" ”

Zhu Zhanji patted the arm of the chair and said loudly: "That's right! There is a large water tank in the courtyard of the young army, which is connected to the eaves of water on weekdays to prevent fires. That day, when he heard that the microscope was made, he looked at a drop of water with a mirror, but found at least dozens of small insects, and these small insects were invisible to the naked eye.

Then, the doctors of the Tai Hospital and the Research Institute observed the saliva and even the skin, but found an even more amazing fact. It turns out that there are countless small bugs on our skin, including the saliva in our mouths.

Lately, Lone has often been thinking that this world is infinitely big, but infinitely small, and the mystery is infinite! It's just that this fact makes Lone a little unacceptable, it turns out that our bodies are all made up of small insects! ”

Yuan Zhen forgot for a moment that it was Taisun who was sitting on the head, and said in surprise: "How is this possible?" ”

Zhu Zhanji smiled and asked, "Where is it impossible?" ”

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