The third volume sailed in the Ming Dynasty

The expenses of the governor's palace were divided into several parts, and the soldiers' food allowance was one of them. The wages of the workers of the various workshops are second. There are also various construction sites under construction.

But these three points are far from explaining the expenditure of the Governor's Palace.

The manufacture of ships and weapons of the War Bureau, this is the bulk of the Governor's Palace.

It is no exaggeration to say that the annual expenditure of the Governor's Mansion is no less than the current expenditure of the Ming Dynasty, and even far more than in the future.

It would be a shame if this level of overhead could not be put to good use.

However, at the beginning of the Daming Bank, it was impossible to issue silver coins to the outside world when it was not fully credited. But in terms of saving internal expenses, it is of great help.

In particular, the soldiers, workers, and civilians took this kind of silver coins similar to military tickets, and they could get sufficient goods, which invisibly made the best advertisement for the silver coins of the Daming Bank.

At most, a few months later, the silver coin will inevitably circulate among the people. A year later, Daming Bank's silver coins could buy any goods in the core area, and of course hiring manpower was the biggest expense.

In the future, as the influence of Daming Bank expanded, the more widely this silver coin was used, the greater the profit of Daming Bank!

And these must be supported and embraced by the soldiers before they can be implemented within the Governor's Palace.

After all, the Ming Dynasty had also done this kind of thing before, that is, to issue treasure banknotes, but unfortunately because of the financial reasons of the Ming Dynasty, it ended in failure.

"Governor Qin will do whatever he says, and the last general will resolutely support it." As soon as Qin Haoming's words fell, Haozi, the leader of the guards, immediately muttered loudly.

"That's it, that's it, the last general believes in Qin Du." Li Xiang was not to be outdone, and followed his statement.

"The last general supports!"

"Students agree!"

……

In Russia, the Governor's Palace was noisy, and all voices expressed their approval and support.

Qin Haoming nodded, relieved, but also understood everyone's attitude.

Not used for the complexity of the Ming court, the Governor's Mansion is actually very simple.

If you don't go to the military general school, you are basically promoted to the end of the school by yourself. Moreover, they have already given them more.

Therefore, it is not surprising that they have such a performance.

Raising his hand to suppress the complicated voice, Qin Haoming said: "Thank you for your trust and support, this governor is unforgettable, and I will not disappoint everyone."

Now, I would like to ask you to put yourself in the position of the Governor's Office and consider whether there is anything wrong with this. ”

Half paid, Xu Hongxuan asked suspiciously: "Governor Qin, please forgive the last general, I don't know if the bank means a money bank, but how much money can be earned by setting up a money bank?"

In fact, if the operation is not good, there are also people whose money bank will go bankrupt. ”

Qin Haoming laughed and replied: "That's a good question, other people's money banks are money banks, but this governor's money village is not so simple!"

At most, other money banks charge some fees from others, and then put some profits. This governor is different, once this bank is up, then the money will roll in.

Don't forget that the Governor's Palace was to promote industry and commerce in the Jiangnan area, and encourage everyone to open mines, build factories, and conduct trade.

To do business, where does the capital come from?

The businessman himself may not have such a large capital, this time is the time for our big money bank to make a profit in the market, you think about it, do other money banks have so much principal from us?

Have such a good reputation as ours? Even if our interest rate is higher than that of other banks, merchants are willing to borrow from us, because the Governor's Palace is a golden signboard!

Moreover, we accept the silver taels deposited by the merchants, free of charge, and give them a small profit. In this case, the money from the people will be deposited in our bank in a steady stream.

I dare not say that in Jiangnan alone, we can absorb tens of millions of taels of silver in a year, and with these capitals, we don't have to be afraid of anything! ”

Wu Feng shook his head and said, "Governor Qin, even if this is the case, then how can we have high profits?" If you also have to give the money you save, wouldn't our profits be even lower? ”

"No!" Qin Haoming shook his head and said: "This is just the first step, think about it, if we have tens of millions of taels of silver in our hands and open ticket numbers all over the country, is it a rich country?" ”

Yan Yingyuan nodded and said: "Of course, it is definitely a rich country, just cash, no one has so much silver?" ”

"This goes back to what the Governor said at the beginning, as long as we have tens of millions of taels of silver, then the Governor will reform the currency system and take over the errand of our Ming Dynasty minting currency.

All the currencies of the Ming Dynasty that we undertake will no longer have gold and silver ingots in the future, but gold coins, silver coins, or copper coins.

When we take back the gold and silver and mint it into a lower color coin, the difference can be huge.

We can earn four silver coins from it, and if we issue ten million silver coins, that is the profit of four million taels of silver......"

"It's just...... It's just ......" Li Shouye hesitated for a while, and finally gritted his teeth and said: "Governor Qin, coinage is a matter of the imperial court, and minting coins privately is going to raid the house and destroy the door!" ”

Qin Haoming glanced at him meaningfully, and said with a smile: "Of course, minting coins privately, of course, is to raid the house and destroy the door, but what if the imperial court allows it?" Wouldn't that be all right?

As long as our money bank grows stronger, the governor has absolute confidence to persuade the emperor to carry out the reform of coinage, hehe, when the time comes, the coinage alone will be scareless......

Qin Haoming is right, although the Ming Dynasty sounds poor now, it does not mean that the people have no money.

Although the ban on the sea has not been completely lifted, the private economy is still very active, and the people have a lot of wealth.

And the establishment of a bank is his first step to stimulate private wealth!

"Qin Du, then let's hurry up?"

Li Xiang said urgently.

Of course he was anxious, because he knew that when Qin Du said this, there was definitely their interest in this.

Qin Haoming glanced at him and teased him, "Do you have any silver?" How much silver do you have? ”

Li Xiang's face turned red, and he snorted: "Governor Qin, the last general...... The end will be accumulated...... More than three hundred taels, if it is ...... If only ......"

The crowd could no longer control themselves and burst into laughter.

Only Li Xiang blushed, scratched his head, and half of the salary also laughed with everyone.

"Alright, don't laugh." Qin Haoming endured the smile on the corner of his mouth, looked at Li Xiang's goods, turned his head to the others and said seriously: "Li Qianhu is not wrong, this governor really wants him more than three hundred taels of silver!"

And you guys, don't you have any ideas? ”