"And in the bank, deposits are with interest..."Zhu Youlang picked up a big wooden card and a small wooden card, put the big wooden card into the frame, and took out the small wooden card together.

"It looks like it's losing money, but in fact, the bank can make money by lending the money it has deposited." Wooden plaques of various sizes were gathered in one place, and more wooden plaques were brought back with the frames.

……

As the wooden cards continue to move, this complex and dizzying system gradually becomes clear in the eyes of the two. It took Zhu Youlang an hour to finally explain what the concept of the "bank" he described was: absorbing every penny from every angle of the empire and investing it in the most advantageous place. Not only that, but it can also inevitably let the imperial court, local governments, and merchants deposit their finances in the bank for unified settlement. The significance of such a large amount of input and output is not only to make money, but to make any money, and the bank can intervene.

On the other side of the globe, the modern banking system has been established by bankers in northern Italy, who issued bank notes that could be recognized in most parts of the "civilized world" and borrowed for great profit during the Thirty Years' War. Bank capital was criticized in later generations, but compared with the deposit and custody fees of the bank, the modern banking system is really an advanced thing--- the Ming Dynasty government before the martyrdom of the emperor, every year the financial revenue "up" to BJ, and to the local apportionment of various "counterpart support" to the nine sides, for example, a county under the Shuntian Mansion, to send twenty taels of silver to the nine sides every year This strange regulation. With the banking system, this kind of problem can be much better--- just need to make a transfer.

However, in the era when there was no radio, the cost of establishing such a system, verification, and communication was also extremely high. Once all kinds of bills are forged, then the whole system is likely to be destroyed. Therefore, a relatively smooth postal system and anti-counterfeiting technology that is difficult to forge are needed to support the operation of the banking system, and of course, some talents who are proficient in "arithmetic" are also needed.

For the money village on the mainland of China, in addition to the smooth postal system is still lacking, anti-counterfeiting technology and talents are still available (otherwise people's silver tickets can not be unimpeded in several large cities), if this is used as a blueprint for transformation, the difficulty is the lowest. However, at this time, most of the heads of these money banks had shaved their heads and could not use them for themselves, so they had to start from Myanmar, a virgin land with an extremely backward commodity economy (compared to China).

However, those money banks also have a downside: family inheritance, selection is naturally a hidden danger; The cultivation of talents is not thorough enough--- Zhu Youlang thinks that the poor accounting knowledge in his head can blow up the best accounting room in this era, except for the speed of the abacus. This time to establish a bank, it is impossible for Zhu Youlang to let it have any family color other than himself. The lifeblood of important industries belongs to the state, which has been and will be the creed of successive governments in China.

Zhu Youlang sacrificed the precious time of the traverser to give these two businessmen who are at the most government-level in the Chinese mainland, and it can be said that they must bow down to everything. But what can be done otherwise? No one understands it except himself, and this is the unique depression of the traverser.

"I intend to have the Ministry of Internal Affairs pay 1 million taels of silver, accounting for 51 percent of the shares, and if they have no other opinions, the remaining 49 percent, they can subscribe for all of them themselves, or they can resell them to others. I will ask someone from the Ministry of Internal Affairs to talk to you about the specific matters. ”

The two of them calculated, 51 percent is 1 million, and the price at which they buy shares must not be lower than this number, at least 130,000 taels per 100 percent..., God, then can't they only subscribe a few percent to play? But with this ratio, the emperor in front of him will be angry, right?

It seems that this emperor was very friendly to merchants, and after entering Ava, he gave them knighthoods, and Zhao Quanzhong also hung the title of Hanlin Bachelor, and was also an official and a businessman, and often participated in decision-making; However, there is no small amount of money that should be "earned". If you disobey him, maybe your wealth will change hands in a blink of an eye. In any case, until capitalism grows, the position of businessmen is always precarious.

"I didn't ask you to come out with that much money. Actually, I didn't plan to ask the Ministry of Internal Affairs to come up with a million taels. ”

What the?

And this kind of operation?

Isn't this a "real deed of virtual money"?

So, Your Majesty the Emperor, are you planning to kill the fat pig?

Before they could react, Zhu Youlang dispelled their concerns: "So, you don't really need to take out so much money." ”

"Huh?"

"You think, the bank takes deposits and lends money at the same time, and if everyone is guaranteed to have access to the money at any time, then what money will the bank repay the loan?"

"In the same way, since not everyone will withdraw money at the same time, why should all the subscribed capital really be taken out and piled up there? On the counter, as long as there is enough money to cope with the daily life. ”

"Really. I intend to invest two taels of silver, up to 100,000. Most of the large-scale transactions are transfers, and no one has nothing to do, and they run around with tens of thousands of hundreds of thousands of taels. ”

"It's the same for both of you. Of course, if there is a shortage of money in the bank, everyone has to make up for the money in proportion. ”

Zhu Youlang took another time to explain to the two of them what was going on with the subscribed capital, and both of them breathed a sigh of relief.

"However, when the shares are expanded in the future, it can't be like this anymore, and the money must be paid in full."

The two of them thought about it again, looked at each other a few times, and each expressed his willingness to pay 30,000 taels and subscribe 15 percent.

Zhu Youlang felt that there was no problem and nodded.

Then, Gonzalez was brought to the front and stiffly knelt down to himself. Watching a Caucasian grovel to himself, Zhu Youlang actually gave birth to a sense of achievement, historically, Magalny refused to kneel to Qianlong, resulting in not being able to see Qianlong, and was used by some people to accuse him of ignorance, but until the middle of the Qing Dynasty, those foreign missionaries, which one did not kneel to the emperor? To put it bluntly, isn't it better than a fist?

However, he was not so excited as to give a large reward to show his "imperial grace", but asked a few questions very utilitarianly.

"I need the help of the Portuguese to train my army, and I wonder if you will be able to find it for me."

"I also need to buy artillery and flintlocks."

"I also need to buy food and other supplies and ships, and bring in shipwrights and experienced sailors."

"I'm still here..."Zhu Youlang thought about it, and felt that the Portuguese had declined at this time, and it was difficult to rely on them when they got rubber and cinchona trees, and this poor bastard of unknown origin in front of him was even more choking, if it weren't for the fact that Burma was too remote, Zhu Youlang wouldn't even want to look at him.

Gonzalez was stunned when he heard the opening words paraphrased by the interpreter: What about the monarchs of the East who pay less attention to interests, especially the Chinese who pay more attention to their Confucian morality? Why is it the same as Westerners when it comes up, and there is a kind of "I want it all" rush?

However, it's good to have a request, I'm afraid you don't ask for it. Gonzalez thought to himself, the Chinese often can't even tell the difference between Portugal, Spain and the Dutch, maybe they can fool a huge amount of money and then sail directly to the sea, never find it again, the plan works!

"In addition, I have an idea beyond the economy, and I hope to ask the priests to come here and build a church in the city of Ava, as the faithful lamb of God, I am eager to bathe in the glory of the Lord again."

"Ahh I didn't expect this Chinese king to turn out to be a Christian... Not even a heretic," Gonzalez thought.

"Wait! Christian? ”