Zheng Wenzai returned to Daming Palace, changed his armor, sat in the imperial study, and carefully calculated his expenses today.

It's not that I don't know, but I'm shocked.

The silver taels alone were rewarded with more than 10 million taels, and the fertile land was almost a million acres. Counting the subsequent rewards for meritorious officials, I am afraid that the money will not be able to beat 15 million taels, and the fertile land will exceed 1 million mu. I am afraid that the total value of this will be the tax revenue of the current year.

I can't afford to fight this battle!

In particular, this kind of undefeated battle will still be fought less or even no at all in the future, and if it is to be fought, it will be the kind of battle that can be killed with one blow and can be won steadily, so as to not only boost morale, but also reap a lot of money!

As Zheng Wen from later generations, he deeply understands the importance of money.

Fortunately, the recent Ma Yuan case has brought Zheng Wen a lot of money, although Zheng Wen has not specifically calculated how much income he can have, but he still has a rough bottom in his heart, and he can earn about 30 million taels of silver from a single money, and as for other miscellaneous things, he is even less, otherwise he really can't afford to reward it this time!

But the benefits are also obvious, after this time, Zheng Wen can be regarded as the military heart of the great cadres!

It also made the people and soldiers of the world understand that Zheng Wen can not only blow up these fictitious things, but also reward real benefits such as money and fertile land. Let them feel that if they follow Zheng Wen, the emperor, they will have a future, they will be motivated, and they will be dedicated to Zheng Wen.

In this feudal era, if you just talk about ideals with others, people will only get excited, and after the excitement, what should you do, or what to do, you must not expect others to be very motivated. But if you put money, good land, titles, and power in front of him, and then tell others about your ideals and say that you have done a good job, he will definitely be passionate and full of energy. Because at all times, people are profit-oriented, ancient and modern, Chinese and foreign, nothing more than that!

Fortunately, the compensation of the Mongols this time, 50,000 war horses, of course, could not be sold, so they could only be kept for their own use. But 500,000 cattle and 500,000 sheep can be sold, except for leaving some for personal use, the rest will be sold, Zheng Wen is afraid that he can make a lot of money, of course, it can't be sold at one time, it must be sold in batches, this kind of thing, Zheng Wen can't worry about it!

Zheng Wen sat on the imperial chair and thought about it again, and felt that the tens of millions of silver were sent out at once, and the soldiers held it in their hands, except for spending some of the necessary ones, the rest must be pinched in their hands, which became dead money.

As a person of later generations, Zheng Wen deeply understands the necessity of making money flow, only when money flows, can the economy be active, can wealth be increased, can the court collect more taxes, can the treasury be full, can Zheng Wen reorganize the army for war, and can Zheng Wen smoothly reform the great cadres!

But how do you get the money moving?

Of course, it is a bank like a modern one, and only a modern bank can do it, deposit low and lend high, constantly absorb the idle money of the people into the bank, give some interest, and then lend the money out, collect high profits, make money, and constantly let the money flow, so as to create more social wealth!

Zheng Wen thought about it again and again, and felt that this was a good way.

As for not being able to get a loan, Zheng Wen is not worried at all.

As the emperor of this country, he holds the supreme power of this country, and he has a way to make money.

It's a big deal to carry out large-scale national investment and construction like a socialist country. Like canal construction, straight road construction, city construction, large-scale iron smelting, salt works construction, and so on. Of course, in this feudal era, only the state can gather the strength of the whole country to carry out this, and other people are afraid that they don't have the ability and don't dare.

Zheng Wen thought about it again, and felt that it was better for these to be invested by the state, as an emperor, he still hoped to control everything in his bones, even if he was from the next generation, but the so-called ass decided the head, Zheng Wen was still relatively selfish in his bones!

And what about this bank, is it under the control of the court or its own control?

Zheng Wen thought about it again and again, it was better to master it himself.

Although it is said that I am the country, Zheng Wen understands in his heart that this is just an empty word. He still knows what is myth and what is reality.

The myth is that a country belongs to the emperor, and everything belongs to the emperor, whether it is the people or all kinds of resources, it belongs to the emperor.

But just to talk about it, the reality is that the emperor and the state are two species. The emperor is the emperor, the country is the country, the emperor is just one person, the country is everyone, although the emperor can control the country, he can do whatever he wants, he can kill and take it, but the emperor also has his own helplessness and his own restrictions.

Zheng Wen still made a clear distinction in his heart, and handed over the bank to the court for management, which was only from the court, and it was not Zheng Wen's alone after all. But managed by Zheng Wen, it belongs to Zheng Wen, and it will also belong to the royal family in the future, Zheng Wen still hopes that in the future, the economic lifeline of this country will be controlled by the royal family, and will be controlled by his children and grandchildren, because Zheng Wen is still a selfish person in his bones, and he hopes that he can leave something for his children and grandchildren!

Zheng Wen also thought about it, and was ready to hand over the country's coinage rights to the bank under his control, so that the country's economy would almost be controlled by himself.

So, Zheng Wen called his eldest companion Huang An and prepared to hand over the bank to Dongchang to be in charge.

After a while, Huang An arrived in front of Zheng Wen.

Zheng Wen said to Huang An: "Companion, I have something for you to do, and you must do it beautifully!" ”

When Huang An heard this, he was also curious, what did the emperor have to do, but Huang An was still very happy, so he asked: "Emperor, you command, the old slave promises to do it beautifully!" ”

Zheng Wen was very happy when he heard it, Huang An is also a relatively capable person, he did everything that Zheng Wen gave him, and Zheng Wen still trusted him very much.

So, Zheng Wen said: "Big companion, I want to set up a bank, a different money bank from the people, I call it a bank, and the name is Daqian Royal Bank!" ”

"But this bank is not like a private bank, you have to pay a custodian fee to deposit money, and those who deposit money in the Daqian Royal Bank not only do not need to pay the custodian fee, but I also have to pour money to them, I call this money interest, but the deposit must be copper coins or gold and silver, and no cash bills will be collected."

"I divide this savings into current and fixed-term. The current account is to deposit and withdraw at any time, of course, this interest is also low; Fixed, is to save a certain period, can be divided into one year, two years, three years, five years, eight years, ten years and other periods, of course, the longer the deposit, the higher the interest must be, of course, during this period someone is in urgent need of money, you can also come to withdraw, but you can only give according to the interest of the current account. As for this interest, you can find someone to calculate it and set the appropriate interest, and you have to take care of these details, and I don't understand it very well. ”

Of course, since the money is collected into the bank, of course, it will also be lent out, and the bank will also charge interest when it is lent out, of course, the term of the loan will not exceed five years, but there must be a countervail, of course, the value of the countervailing thing should be higher than the money lent out, so that the bank will not lose money, of course, the countervailing thing is best land, real estate and other immovable property, as for other antiques, jade, calligraphy and painting. Of course, the interest rate of this loan must be higher than the interest on the deposit, and you can find someone to sum it up and hand it over to you, I can rest assured. ”

Huang An listened, thought for a while, and then said: "Emperor, in this way, there must be a lot of people who make deposits, but there are not necessarily many people who take out loans, I'm afraid that I will lose money." ”

Zheng Wen listened, smiled, and then spoke: "Big companion! Who am I? I am the emperor of the Great Qianguo, I have a way, I can make money make money, how can I lose money? ”

"Moreover, just listen to it, and don't tell anyone, I have decided to divest the coinage rights of the court and hand it over to the Daqian Royal Bank."

"In this way, the bank has the right to mint money. Although this coinage right is not very important in the eyes of the court. But I think it's important to have this coinage. ”

"When the Daqian Royal Bank has this coinage right, I will issue a unified currency throughout the country, divided into four types: copper coins, silver coins, gold coins, and paper money, think about it, this gold, silver, and copper coins cannot be pure gold, pure silver, and pure copper, as long as I control the cost, then every time I issue such money, I will have some profits, and I will get a large profit, and it is a long-term profit."

"That's why when I let you save money, it must be gold, silver, and copper coins, so that they can save these, and when the time comes, what they take out is new coins, and then I will stipulate that a copper coin is exchanged for how many copper coins, a silver coin for how much silver, and a gold coin for how much gold, as long as the gap is not too excessive, the people who save money must be willing to use new coins, because I will stipulate that new coins are legal tender, and taxes can only be paid in new coins, and even in the later period, the circulation status of gold, silver, and copper coins will be banned, so that I will make a lot of money."

"Of course, paper money is similar to silver bills, they are all large amounts, let's not talk about these first, and then talk about it later, do you understand? Otomo. ”

Huang An listened, his eyes glowed green, and sure enough, money was the best catalyst, and after a while, he said with some excitement: "The old slave understands, Your Majesty can rest assured!" ”

Zheng Wen listened, nodded, and then spoke: "Didn't I give a large sum of money to the soldiers, you hurry up and get this bank out, and strive to deposit the money they can't use in the bank, as for the money that can be used, don't you take care of the East Factory, just sell these things to them, anyway, they can use it, and you can collect a sum of money back!" ”

"Whoa! Your Majesty, rest assured, the old slave knows how to do it! Huang An listened and spoke. At this time, Huang An thought in his heart that it was a pity that the emperor didn't do business.

Then he saluted Zheng Wen again and went to do his errands.