Chapter 589: Bank Minting (Page 1/1)

Zhang Dou and Allen led the fleet all the way north, bypassing the Korean Peninsula and heading straight for Vladivostok. More than half of Allen's fleet was made up of new recruits, and this voyage allowed them to gain seafaring experience.

Zhang Dou of the army only brought a team of 1,000 people, and Tao Lei, the captain of the 1,000 people who had experienced a hundred battles, entered Zhang Dou's sight and became a member of the army.

In the cabin, Ma Jingbo began to habitually complain again: "Brother Tao! What do you think of the handsome? Jeju Island has just warmed up for a few days, so why do you want to run north again? I was urinating outside just now, and Little Ding Ding was almost frozen. What are we going to do where the birds don't? Why don't you go to Manila again! ”

"Shut up! Da Shuai is the star king of the sky, how can you and I guess? If you kid can understand the idea of the big handsome, won't you be the big handsome too? Tao Lei reprimanded. He was a little speechless about his brother, and he dared to say anything, he had already let the people of the shadows hear that there would be good fruits to eat in the future?

Ma Jingbo lowered his head when he was reprimanded by Tao Lei, and after a while, he couldn't help it anymore, and continued to ask: "Brother Tao! What do you say Dashuai is doing now? Wouldn't it be that little Ding Ding was also frozen? ”

Tao Lei: "......"

Zhang Dou's cabin was extraordinarily spacious, and he was sitting in front of the bookcase and rummaging through the papers. In front of him stood a fat man, this person was officially Wang Gang, the head of the royal merchants of Immortal Island.

Wang Gang saw Zhang Dou put down the plan he had written, and said cautiously: "Master Hou! The bank you mentioned is similar to the bank and the bill number, but the subordinates have never understood that the deposit of money should be paid with interest. If we keep the money for the people, shouldn't they give us the money? ……”

Wang Gang didn't dare to say the latter words, he was afraid of angering Zhang Dou, so he just stopped talking at the beginning and didn't continue.

Zhang Dou knew that the bank's theory was a little ahead of his time, and it was understandable that the businessmen of the Ming Dynasty did not understand it. Now the money banks and ticket numbers on the market are all things that Shanxi people have made up to facilitate their business.

There is an essential difference from the bank, and Zhang Dou does not know much about the operation of the bank in the future. But I've never eaten pork, I've always seen pigs run.

He began to explain to Wang Gang the low interest rate of absorbing depositors' deposits, and then he had to start a loan business.

In order to prevent the loan from being repaid, it also needs to be mortgaged. There are huge profits between borrowing and lending, and the function of depositing and withdrawing these money banks and ticket numbers in other places can only be petty profits, and it is not necessary to give them up.

In the end, Zhang Dou also briefly mentioned that the bank can invest when the funds are sufficient, which is a profitable business.

……

Zhang Dou's narration seemed to open the window in Wang Gang's heart, and there was a feeling in his mind that the mouth was suddenly opened.

It turns out that silver can be earned in this way, and more silver can be made with other people's money. In that case, his heart would have blossomed.

In the end, Zhang Dou proposed a plan for minting coins, and the first task of the establishment of the bank was to unify the currency.

The fineness of the silver circulating in the market is different, and it is really troublesome to judge the fineness of the silver before using it, and to divide the silver.

Zhang Dou's idea was to mint a batch of silver coins, ninety percent silver, and the remaining one percent to add copper, tin, and lead to increase wear resistance. The overall weight of the silver dollar is nine coins, and the obverse is stamped to form the Sun and Moon Battleship and the Chinese character One, and the reverse is cast to the Sun and Moon Fire Gun and the Arabic numeral 1. The silver coin has a serrated bump on the perimeter to prevent it from being scraped off and reduce weight.

As soon as Wang got the pattern, he was immediately attracted by the exquisite pattern on it, and he believed that once the silver coin was successfully minted, it would be popular throughout the Ming Dynasty.

Although it weighs only nine coins, the workmanship and pattern on it are enough to give people confidence in the silver coin.

Wang Gang put away the drawings and chatted with Zhang Dou for a while before leaving, he wanted to go back and record everything he heard today.

These are the experiences that will not be exchanged, and with these experiences, he believes that he will soon be able to establish a bank. Although they want to give Hou Ye sixty percent of the dry shares, as long as they can set up a bank, they are willing to pay as much as they can.

This is the guarantee of eternal wealth, and who can get the shares of the bank has to be carefully discussed. Their ten royal merchants must definitely account for the majority, and the remaining dozens of merchants who are attached to their ten families must also be considered.

It's a headache, but it's also a blissful annoyance. He knew that after returning to Jeju Island, he would be busy, and the distribution of benefits alone would be a bloody battle.

He knew a little about why Zhang Dou took him to the north, and only on a warship that no one disturbed could he achieve foolproof secrecy. When everything is arranged and the dust settles, it is impossible for some people to eat more and occupy more.

But as soon as he thought of the more than thirty ships of goods that Zhang Dou asked him to carry, his face showed an expression of crying and laughing.

Bringing food and cloth may be to befriend the local savages, but what the hell is it to bring pots and pans?

Just when the entire fleet was unclear about Zhang Dou's intentions, the northward fleet quietly crossed the Korean Peninsula and Ezo Island, and entered the cold sea in the north.

The sea ice here has melted, but the cold sea breeze still leaves the sailors on both warships and merchant ships with thick cotton clothing.

In the morning and evening, a thin layer of ice will condense on the mast, and it is very dangerous for sailors to adjust the sails up and down.

The recruits were even more anxious to work on the battleship, and everyone cheered up for fear of casualties caused by mistakes. The results of the training are also very remarkable, and they are improving very quickly, which is perhaps the fastest growing group of naval recruits.

After that, the first time that all the recruits of the Changxing Navy boarded the ship was to go north to replenish Vladivostok. As a result, the Changxing Navy grew very fast and quickly met the qualified requirements.

The Army followed suit, and the first mission of the recruits after passing their training was in Vladivostok. The severe cold here has created the iron will of the Changxing Army and the myth of the invincibility of the Changxing Army.

……

At this moment, Geng Wanxin in the mountains had a headache, and the original team of 200 people was expanded to 2,000 people. Everyone else wants their team to be as big as possible, but he is getting more and more headaches.

He didn't know how to control the original 200 people, and now the 2,000 people don't know what to do. Unless the Changxing Army sends a whole fleet, it is impossible to transport so many people.

Think about it, is it possible to send an entire fleet of people up to three people by yourself? As soon as he thought of this question, his head was big for a while, and he looked at the smiling and heartless Hezheren along the way, and his headache was even worse.

They went into the mountains to avoid the Jurchens, but the problem of eating was in front of everyone.

If you want to survive in the mountains, you can't just rely on hunting. It was impossible for man to eat salt from dirt and rocks like wild beasts, so they targeted other tribes in the mountains.

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