Zhu Youxiao smiled slightly: "If you are willing to learn, you can learn it in half a day, and if you are not willing to learn, you can't learn it even if it is half a year." No need, just wait for the morning after tomorrow to meet them directly. ”

"No." Wang Liqian replied respectfully.

……

In just a few days, he got 800,000 taels of silver, which made Zhu Youxiao feel a lot easier. With the silver, all the plans can be carried out. Zhu Youxiao first thought about the issue of military salaries for the New Army, which has a bearing on the stability of the military's morale.

"Admiral Xiong, I have decided to introduce a passbook system in the new army. If there is anything you don't understand, you can ask, and the final executor of this matter will be you. Zhu Youxiao said.

"What is the passbook system?" Xiong Tingbi asked suspiciously.

"The so-called passbook system means that I will print a blank booklet for each new army, and this booklet is called a passbook, and the new army can use this booklet and identity token to go to the Imperial Bank to withdraw his salary." Zhu Youxiao explained.

"This can indeed avoid problems such as empty salaries and greedy soldiers' salaries, but what if this booklet and identity token are lost?" Xiong Tingbi said.

"This is very simple, if the identity token is lost, the army can reissue it, but if the passbook is lost, the army will issue a certificate and you can go to the Imperial Bank to reissue it. Of course, this move cannot completely avoid the occurrence of empty salaries, and in the future, after the establishment of the Military Judge Advocate General's Bureau, this matter will be handled with the assistance of the Military Judge Advocate General's Bureau. Zhu Youxiao explained.

"How does the Imperial Bank know how much money each soldier should pay?" Xiong Tingbi continued to ask.

"The army makes a roster once every three months, and then hands it over to the designated Imperial Bank, which will issue money according to the roster. In the future, wherever there is a new army, there will be an Imperial Bank. Zhu Youxiao said.

"What happens if a soldier dies?" Xiong Tingbi then asked.

"If a soldier dies, his relatives can still use their identity tokens and passbooks to receive their uncollected pay. If a soldier does not want to take away the money for the time being, the Imperial Bank can issue a silver ticket for more than ten taels of silver, and can withdraw it from any Imperial Bank, and if it is less than ten taels of silver, the Imperial Bank will mark it on the passbook, but he can only withdraw money from the bank where the money is kept, and cannot go to other banks to withdraw money. Zhu Youxiao said.

During this period, banks could not be connected to the Internet, and the communication between banks was very inconvenient, and it was impossible to deposit and exchange small deposits.

As for the deposit and loan business, Zhu Youxiao does not plan to do it for the time being, and he cannot do it for the time being. Now that his Ponzi scheme is in full swing, there is no guarantee that someone will not think of taking out a bank loan to invest in the so-called "gold mountain" development.

Zhu Youxiao's explanation was very clear, and Zhu Youxiao gave him a clear answer to the questions that Xiong Tingbi could think of for the time being. He now just had to go back and wait for the passbook to be delivered to the new barracks, and then he would start the work. The printing of the passbook will be entrusted to the Imperial Bank.

……

The arrival of Zhu Youxiao made the Sino-Dutch Penghu Naval Battle, which was about to break out in 1624, disappear.

"Nan Yushi and Yu Zongbing are ready to discuss trade with Hongmao, Francoji and other countries this time, I don't know what opinions you have?" Zhu Youxiao said.

"The ambition of the red-haired wolf, stealing from Penghu, the heart of the minister is obvious, the minister thinks that it is not suitable to trade with the red-haired and other countries, and the minister has gathered tens of thousands of elite soldiers, more than 200 warships, and will be able to conquer Penghu in the near future, and capture the head of the bandits under the city." Nan Juyi objected.

"General Yu, Wang Garrison, do you think that if you send troops to Penghu, how much military expenses will be needed? How long? Zhu Youxiao asked.

"Back to Your Majesty, the minister thought that sending troops to Penghu would require 50,000 taels of military expenses, and Penghu would definitely be conquered within 100 days." Yu replied.

"The minister seconded the proposal." Wang Mengxiong said.

"But I don't think so, the turret of the fortress of Hongmu Chengcheng is as hard as iron, easy to defend and difficult to attack, once the war with Hongmao starts, the battle situation will definitely take more than half a year, and it will cost no less than 150,000 taels." Zhu Youxiao said affirmatively.

Regarding the Sino-Dutch Penghu naval battle, Zhu Youxiao has seen it, at that time, this war, the Ming Dynasty won, but the victory was relatively hard, this war fought for more than seven months, costing more than 177,000 taels. This war also frightened the Netherlands, which was rampant at that time, and the Dutch did not dare to go to war with the Ming Dynasty for many years to come.

"Your Majesty, the red-haired theft of Penghu is a huge threat to Fujian, and the red-haired are based on Penghu, and they can retreat and defend, so they must be guarded." Nan Juyi admonished.

"I understand the meaning of the Southern Imperial History, and the prerequisite for trade is that Hongmao must withdraw from Penghu and Xiaoliuqiu." Zhu Youxiao said.

"Little Liuqiu? However, Emperor Taizu Gao once listed Xiaoliuqiu as a country that was not to be conquered. Nan Juyi said.

"Xiaoliuqiu was indeed listed as a non-conscripted country by Emperor Taizu Gao, but now the situation is different, Xiaoliuqiu is about to be stolen by Westerners, and the Han people of Xiaoliuqiu are already being enslaved, I am the co-master of the world, and I must rescue the enslaved Han people, because they are also my people, this is called obligation, and it is my obligation to protect the people of the empire." Zhu Youxiao said excitedly.

Zhu Youxiao said impassionedly, and Nan Juyi didn't know how to refute it.

"I decided to learn from Hongmao and other countries, build warships and form a new Fujian sailor, not only to clear the pirates, but also very likely to fight the Westerners at sea in the future." Zhu Youxiao said.

"Overseas is a land of barbarians, and it is not advisable to raise troops on a large scale for the sake of taking the land of barbarians. The weapon of the soldier is the last resort of the saint, and His Majesty is a Ming monarch, so he must not have this idea. Nan Juyi admonished. Of course, Nan Juyi's thought represented a very common view of the Chinese people at that time, which was the limitation of the times, and nothing else.

"I remember that when the eunuch of the Three Treasures was admonishing Renzong, he once said, 'If you want the country to be rich and strong, you must not ignore the sea, wealth is taken from the sea, and danger also comes from the sea. Our fleet is invincible, and it can be used to expand business and subdue foreign lands, so that they dare not covet the South Seas. I agree with what the eunuch of the Three Treasures said, that the Jianyu is a disease of scabies, and there is no need to worry about it, and I am sure that the Jianyu will be pacified within ten years, and the danger from the sea will be greatest in the next few hundred years, and I must keep the enemy out of the country. Zhu Youxiao retorted.

This is Zheng He's theory of sea power!

"Your Majesty......" Nan Juyi still wanted to continue to advise.

Zhu Youxiao waved his hand, interrupted Nan Juyi's words, and said, "This matter has been decided, and there is no need to discuss it." General Yu and Wang Garrison, I ordered you two to go back to Fujian to form a Fujian Naval Division, and I will allocate 5 million taels of silver to you and others within three years as the military expenses of the Fujian Naval Division. ”

"No." The two of them are from military backgrounds, and their ideas are completely different from those of Nan Juyi.