After saying this, Emperor Chongzhen told the knowledge of bank deposits, withdrawals, loans, and other businesses that he knew in later generations, and told them one by one under the pretense of the mouth of the Dutch missionary Condenius, and heard that Li Guoyi, the first assistant of the cabinet, Xu Guangqi, the cabinet minister, and Bi Ziyan, the head of the cabinet, and Bi Ziyan, the head of the household, were sometimes stunned, sometimes looked at each other, and sometimes were confused.

But no matter what, these people are already one of the most outstanding people in the Ming Dynasty in this era, if they can't figure it out, then no one can figure it out.

But in the end, Emperor Chongzhen spoke dryly, and while he was drinking tea, he listened to Bi Ziyan's words, and realized that he really underestimated the "strongest brain" of this era.

"The banks that Your Majesty spoke of, the ministers often heard. It's just that now that I think about it, the bank that the minister has heard of is just an ordinary silver shop with ordinary scale silver, molten silver, and hinged silver. And the bank that His Majesty is talking about is similar to the money bank that has appeared in the Ming Dynasty in recent years.

"It's just that the ministers heard that the money bank deposited silver and deposited it in other places, and the depositor had to pay the money bank for safekeeping, so unless it was a rich businessman, the money bank was of little use to ordinary people.

"However, in the eyes of the ministers, what His Majesty said may not be unfeasible. At this time, I also ask Your Majesty to think deeply about it after returning to the ministry. Then present it to His Majesty. ”

Now in the Ming Dynasty, in addition to this Emperor Chongzhen, I am afraid that only Xu Guangqi has some understanding of the West in this era.

However, Xu Guangqi's knowledge is almost entirely limited to the astronomical calendar, science, technology and other fields, and he is almost completely ignorant of the booming Western financial industry.

However, even if he knew nothing, Xu Guangqi, who knew something about the West in this era, quickly understood what the emperor said about the great benefits of the bank.

For him, the money of the people could be stored in the bank, and it was a secondary thing to use in times of emergency at the imperial court.

The most important thing is that the industry and commerce, which were already very active in this era, will be able to lend money from the banks that have been opened at a lower interest rate than private loans.

The silver shortage dilemma that restricts the further development of commerce in the southeastern provinces will also be solved, and even over time, after the credibility of the bank is established, the Jiaozi that prevailed in the Song Dynasty, and even the treasure banknotes of the Ming Dynasty can be reissued, so the problem of the silver shortage of the Ming Dynasty and the people is no longer a problem.

Thinking of this, Xu Guangqi said: "The minister thinks that the bank that His Majesty said will have great benefits for the country and the people. However, from the perspective of the minister, the most important part of preparing for the establishment of a bank is the establishment of credibility. Whether it is run by the government or by the private sector, a bank will not be established if it has no credit.

"It is not easy for the people of the four people in the world to make a living, and the most worrying person is the difficulty of preserving their wealth and property. If the bank is run by the imperial court, please ask Your Majesty to make a ban as soon as possible, and the imperial court and the internal carrier treasury are not allowed to use private bank deposits at every turn.

"If the bank is privately run, please decree that the depositors shall be free to deposit and withdraw money. If not, banks will not last long, even if they are good. ”

Although Xu Guangqi said this, the main meaning is still very clear, that is, the bank is a good thing and can be run, but the people's money really has to be deposited in the bank, whether it is a government or a private bank, it can't be like a meat bun beating a dog, and the silver deposited in it will never return, that is not good.

Of course, Emperor Chongzhen understood what Xu Guangqi meant, and after listening to him say this, he knew that he did not object, so he looked at Li Guowei, the first assistant of the cabinet, and looked at Li Guowei's attitude.

Seeing that the emperor finally set his eyes on himself, Li Guowei immediately said solemnly: "Your Majesty is a British tomorrow, and the establishment of the bank mentioned is far-sighted, both for the public and private, for the country and the people, all of which have benefits and no harm.

After saying this, Li Guoqi glanced at the emperor, and then said: "It's just that in the minister's humble opinion, I don't know whether His Majesty's proposal to set up a bank is to set up a government-run bank with Taicang Bank Savings as the entire principal, or to use Taicang Bank Savings as a major shareholder to raise more share capital in the north and south to open a bank that is half official and half private?" ”

As soon as Li Guoyi's words were spoken, Emperor Chongzhen was stunned.

Because he hasn't thought deeply about these issues, he just wants to raise this topic today, so that these important ministers of the court can be prepared in their hearts and wait until the time is ripe to launch it.

Unexpectedly, when he said this today, not only did he have no intention of objecting, but the two ministers in Beijing also expressed their support, which made Emperor Chongzhen himself a little unexpected.

After listening to Li Guoyi's words, Emperor Chongzhen thought for a while and said, "Shoufu asked this question well!" Which way do you think is better? ”

The three important ministers looked at each other, and finally Li Guowei took the lead and said: "Your Majesty, the minister thinks that Taicang's silver can have today's abundance, which is really hard-won. Although it is a pity that 12 million taels of silver savings are left idle there, if only one bank is opened, it will occupy too much, and it will not be conducive to the financial plans of the imperial court. After all, the storage of silver is the foundation of the imperial court's financial plan, although it cannot be moved, but it cannot be moved.

"Therefore, among the ministers, it is better to use a part of the ether storage silver as the share capital, and at the same time raise real money and silver from the wealthy merchants in the north and south of the capital as shareholders, and together set up the bank that His Majesty has spoken.

"On the one hand, with the Ministry of Household Taicang as the major shareholder, the bank's credibility can be established, and on the other hand, with the share capital of the businessmen from the north and the south, it can also enable the establishment of the bank to be supervised by more shareholders, so that the bank will not be corrupt and bend the law and do whatever it wants. This is a little bit of the minister's opinion, please consider it! ”

After Li Guowei said this, Emperor Chongzhen nodded, and then listened to many thoughts of Xu Guangqi and Bi Ziyan, including Fang Zhenghua, the governor of Dongchang who was standing in the palace, all of whom raised a bunch of questions under the emperor's inquiry.

For example, what is the total share capital of the bank, how much should Taicang contribute to become a major shareholder, how much capital contribution can other contributions to become a minority shareholder in the bank's share capital, and the minority shareholder is also one of the owners, and what power does it have to pay dividends and dividends, and so on.

After listening to these people's discussions, Emperor Chongzhen was pleasantly surprised to find that he was too worried about the issue of opening a bank.

The court ministers of this era did not have a blank slate for financial affairs, and if they really wanted to talk about it, they did not necessarily know much less than him, a person from later generations.

In addition to some conceptual name problems, the reason behind the name bank is simply simple to these people, and it is often possible to draw inferences.

Including Fang Zhenghua, the eunuch of the inner court who was originally famous for his outstanding martial arts, because he helped the royal family to manage the Baohe Company for a long time, he was more familiar with the business of shares, dividends and dividends that are often seen in private partnerships, than these ministers in the court.

When the emperor had asked all the people summoned in the Wenhua Hall and the people who accompanied him, he thought about it again, and finally said:

"I've made up my mind. The matter of opening a bank should be done sooner rather than later. With Li Aiqing, the first assistant, as the minister of the general office, Bi Aiqing, the secretary of the household department, as the minister of the meeting, and Fang Zhenghua as the supervisor and minister, he found a piece of land in Chaoyangmen, and first built the bank vault I said in the same way as the warehouse in front of the counter and behind the private business.

"The name of this bank, in my opinion, is called the Huangming Jingshi Bank, which means that it is used by the world.

"As for the measures of the World Bank, it will be done according to what Li Aiqing, the first assistant. The household department Taicang gave 5 million silver dollars, and then raised funds from the noble worlds or wealthy businessmen in the north and south of Beijing, all of which were voluntarily invested in the shares, and could not be compulsorily compelled.

"Each party shall take 200,000 silver dollars as the threshold for shares, and the more the merrier, but each party shall not invest more than 5 million silver dollars.

"As for my internal carrier, I will also invest five million silver dollars, which is the same as the share capital of Hubu Taicang.

When everyone heard that the emperor had also joined the shares, their hearts were suddenly shocked, and they immediately felt that this bank must be profitable.

Listening to the command of the concubine commander Jinyiwei of the forces on the side, Gong Yonggu was a little moved.

Others may not know how much industry Emperor Chongzhen has invested, but Gong Yonggu does, because he is also responsible for secretly monitoring Dongchang and Fangzhenghua.

Nowadays, in the name of Baohe Company, none of the industries controlled by the emperor and empress are loss-making transactions, whether it is the various factories and mines in Baiyecheng, or the dozen or so hot pot restaurants that have been opened in Tianjin and Zhangjiakou, or even the newly opened gunpowder factories and glass factories, which are all profitable industries.

Therefore, as soon as he heard that the emperor's internal transport treasury should also take a stake in this so-called Jingshi Bank, Gong Yonggu, who was also a landlord and wealthy businessman, immediately felt that he should become a shareholder, even if he did not make money for a while, he could be connected with the royal family in this way, and this alone would inevitably be beneficial in the future.

Besides, when did the royal family ever make a money-losing deal? And the whole world is royal, are you afraid of any loss-making business with the emperor?