The circulation of banknotes is too important for coastal merchants, and although many money banks are aware of the business opportunities, they do not have the financial resources and appetite of Huaxia Bank. Pen? Interesting? Pavilion wWw. ｂiquge。 ｉｎfo

At least, as the largest financier of Hong Kong shipping, "Huaxia Ocean Trading Co., Ltd.", even if it takes the initiative to make profits, those scattered small money banks are not able to take orders at all.

As a result, Huaxia Bank came into being..........

First of all, several major shareholders of Huaxia Bank cooperated in the sea trade business to obtain a deposit promissory note in the form of deposit to Huaxia Bank (it was a bank share before, and only a separate deposit was counted as the deposit amount).

After that, the trade between these merchants and the "Huaxia Ocean Trading Company" all used the cashier's check settlement method of Huaxia Bank.

Although this move seems to be a bit of a reversal from the left hand to the right hand, in any case, this new way of trading has greatly reduced the "port berthing costs" for these shareholders.

Don't look at these berthing costs, even a fraction of the tariff, but a year down to save a lot of money, after all, can invest in Huaxia Bank, are well-known merchants in the state capitals, their business to the sea is very large, occupy almost half of the throughput of the wharves around the country, save more than 100,000 taels of silver a month "berthing fees", a year can save more than one million.

Check settlement is indeed a good thing, and there is no limit, as long as you have a Huaxia Bank check in your hand, no matter who you are, you can withdraw money from Huaxia Bank, people only recognize the ticket, not the person.

In addition, Huaxia Bank has another advantage that the bank did not have in the past, that is, deposit interest.

It stands to reason that money banks are in the business of saving money, so why can't they do the bank?

Because in ancient times, when you went to the bank to deposit money, not only would the bank not give you interest, but also charged a "care fee".

To put it bluntly, it is "protection money".

The money bank is not a good hall, and it costs a lot of money to run the money bank, at least in order to prevent bandits from robbing, and the security measures must not be sloppy at all.

In order to make a profit, the bank had to collect a protection fee, and the amount was quite large, somewhat similar to that of later insurance companies.

However, this Huaxia Bank has pinnacleed the tradition of the bank, and when you go to Huaxia Bank to deposit money, instead of charging "protection fees", you can also get interest on deposits after a certain number of years.

In such a comparison, Huaxia Bank is simply a good hall!

At first, people didn't know the intention of Huaxia Bank's move, how could they post money, post people to ask others to save money?

Don't you want to save enough money to run away?

Well, even the routine of illegal fund-raising in later generations has been thought of.

But Huaxia Bank did not explain too much, because people not only play with deposits, but also with loans, which is equivalent to taking depositors' money, lending to lenders, and earning the difference in the middle.

After all, Huaxia Bank deposits and withdrawals are clearly stipulated:

Although there are no requirements for deposits, in order to earn interest, you need to deposit for at least one year, otherwise only the principal will be refunded.

Moreover, the maximum annual interest rate of deposit interest will not be higher than 3 percent, and the minimum annual interest rate of loan interest is 5 percent, and the maximum is 10 percent (in order to open up the market, Huaxia Bank gave the imperial court the lowest interest).

In this way, Huaxia Bank is indeed profitable, and ordinary people can make money by depositing their spare money in the bank.

In addition, many businessmen with a keen sense of smell see greater benefits from it.

Nowadays, the Ming Dynasty is developing all over the country, and there are opportunities to make money everywhere, so it can be said that as long as there is a large amount of idle funds in hand, as long as you invest in a factory, as long as you are not particularly unlucky, you can make a lot of money.

If Huaxia Bank seizes this opportunity and gives loans to businessmen who have good projects but do not have enough funds, they can make a lot of money.

Even more extremely, using the funds deposited by the people in the bank to invest in the construction of factories by themselves, the profits are unimaginable.

Many people with active minds have already effectively imitated the plan.............

Well, the topic is far away, and all of the above just wants to prove that Huaxia Bank's reputation is high and its strength is strong.

With such credibility and strength, a check from Huaxia Bank is worth real money.

Since it can be worth real money, those merchants will not be stupid, carrying real money and silver to trade in the port, not to mention their own fears against thieves, and giving the government a large amount of "berthing fees" in vain.

As long as the cheques can circulate smoothly in the provinces where Huaxia Bank operates, then Huaxia Bank's plan to print banknotes will also be gradually realized.

The imperial court played metal money, Huaxia Bank played paper money, and the monetary system seemed to be divided, but in fact it was not.

Not to mention the imperial court, even Li Hongfei would not allow a private capital to have the wealth to manipulate the entire Ming Dynasty (if paper money is popular, not only the entire Ming Dynasty, but even the wealth of the whole of Asia may also be manipulated by Huaxia Bank).

The monetary credibility of the governments of the Ming Dynasty was too low to be promoted by private capital, but it is believed that when Huaxia Bank officially implemented the currency, this private enterprise would naturally become a government-run enterprise.

This currency reform is the ultimate goal of Li Hongfei's implementation of the imperial court loan, such a huge plan, the slightest carelessness, will disturb the foundation of the country, so before the completion of the last step, he did not dare to inform Shi Kefa and others............

After sending Shi Kefa away, Li Hongfei began to ask Situ Yan about Nanyang.

In fact, Situ Yan sent a special person to report to Li Hongfei every month on matters big and small in Nanyang, and there was basically no difference, but Li Hongfei wanted to listen to Situ Yan's dictation, so that he could solve his doubts one by one on the spot.

"Zheng Zhilong, that old fox is really so well-behaved?" Li Hongfei listened to the information and said curiously.

"What else can he do? Master Li is now the first person in the dynasty, Zheng Chenggong has been transferred to the Ministry of National Defense, and even the Zheng family army has been demolished, Zheng Zhilong can't make trouble even if he wants to! Situ Yan said with a smile.

Transferred Zheng Zhilong to Nanyang, and persuaded Zheng Chenggong to serve in the Ministry of National Defense, as well as participate in the final Northern Expedition, these three axes directly cut down the Zheng family's army.

Although Zheng Zhilong has nearly 20,000 "mercenaries" in his hands, the weapons and equipment and warships are all from the Cao Gang, and if Zheng Zhilong repents, he can only swim back to Fujian with his soldiers.

The Cao Gang was covered by Li Hongfei, and Zheng Zhilong did not have the courage to openly oppose Li Hongfei when his strength was insufficient.

And Zheng Chenggong entered the Ministry of National Defense, although he was promoted to an official on the surface, but in fact he was stripped out of Fujian, and the two heads of the Zheng family were not in Fujian, and the entire Zheng family army was already in chaos.

After that, the Third Army participated in the Northern Expedition, transferred all the naval divisions and one-third of the Fujian Army, and the entire army stationed in Fujian was only about 50,000 people, and the Third Army was completely dismantled.

Zheng Zhilong was trapped in Nanyang, Zheng Chenggong was trapped in the capital, the Fujian Navy Division was about to be reorganized into the Nanyang Navy Division, the Fujian Army was still participating in the suppression of bandits and land reform in the Central Plains, and the other part was waiting to rust in Fujian's hometown.

The Zheng Jiajun, which has only 100,000 troops, has been divided into four parts by Li Hongfei, and there is nothing to be afraid of, and a major obstacle to the implementation of the national military reform can be regarded as a complete settlement.

"What about Huang Degong? Some time ago, I heard that he scolded very fiercely in Jiangxi, and I also heard that Zhu Changshu, the king of Lu, also came to Jiangxi a few days ago to ask to see Huang Degong, these two guys won't get together, right? Li Hongfei asked.

King Lu Zhu Changshu is the guy who "competed" for the throne with King Fu Zhu Yousong, but at that time Huang Degong supported King Fu, so the two still had a gap, but now Zhu Changshu put down his son and went to find Huang Degong in person, who believes it at all?

"Huang Degong is not stupid, and the saint is not dead today, even if he wants to do something, it is impossible for him to be with Zhu Changshu, otherwise he is not a person inside and out. And the latest news, Huang De led five hundred personal guards, and went north by boat with great fanfare, saying that he was going to enter the Beijing Saint, thinking that he didn't plan to take that last step. Situ Yan explained.

Zhu Youzhen was too ruthless before, and in the name of reform, he would have already taken back the military power of all the emperor's relatives and relatives, even if he came up with an "Uncle Liu Huang", as long as Zhu Youzhen did not die, it was really unlikely.

The only thing Li Hongfei needs to worry about is the feudal officials in various places, but he has most of the military power in his hands, and he has a lot of prestige among the people, and the incident of the "Eighteen Road Princes" is really not so easy to happen.

"This Huang Degong is really not simple, he entered the Beijing with great fanfare, I really don't know what to do to him, it seems that Zhu Youzhen has to be appeased!" Li Hongfei sighed.

Huang Degong took Li Hongfei's life, didn't Li Hongfei ask for his life for all the people in the world? Then he entered Beijing with great fanfare, and only sent 500 personal guards to take the initiative to "send them to the door".

If Huang Degong had stayed in Jiangxi, Li Hongfei would have been busy for a while, and he would have carried out the reform of the national military system, and Huang Degong would have been the first to take the knife.

But now it's different, Huang Degong just left Jiangxi, and he moved his Fourth Army, which is easy for people in the world to misunderstand.

And Huang Degong, who entered Beijing, couldn't move.

"Are you really going to let Huang Degong face the saint? His drunken maniac's temper is well known to the world, once Zhu Youzhen wants to make trouble, Huang Degong will definitely help desperately, as long as Huang Degong has an accident in the capital, the entire Ming Dynasty is afraid that it will be a mess. Situ Yan said uneasily.

That's right, Huang Degong wants to make trouble, there is no need to launch a mutiny at all, as long as he dies in Beijing, regardless of whether Li Hongfei did it or not, the Fourth Group Army in Jiangxi is bound to mutiny.

At this time, once someone fanned the flames, the feudal officials in various places who learned of the military reform would not be willing to lose power, and even if there was no incident of the "Eighteen Road Princes", they would use this as a threat to make Li Hongfei give up this military reform.

The most important thing is that the popular support that Li Hongfei has accumulated over the years is likely to be completely lost because of this.

"Therefore, Zhu Youzhen is the key." Li Hongfei said.

Now that Jinyiwei and Dongchang have been cut off, and even the forbidden army has been dispersed, Zhu Youzhen can actually no longer turn over the wind and waves, and the only possible thing is to break the jar and break it.

In the face of this situation, Li Hongfei has no good way, so he can only inform Zhu Youzhen of all the pros and cons, and let him choose between being famous in history and being infamous for 10,000 years.

"By the way, from today onwards, your Cao Gang has officially changed its name to the Second National Security Department (Field Service Department of the Daming National Security Bureau). I will arrange people to gradually take over the domestic intelligence points of the Cao Gang, and your focus will be shifted to foreign countries, not only in Nanyang, India, and Europe, but also in the Wa Kingdom, Manchuria, and Mongolia! Thinking of Jinyiwei and Dongchang, Li Hongfei suddenly thought of the intelligence agency of the Cao Gang.

Nanyang, India, and Europe are already the limits of the Cao Gang, and if they want to collect intelligence from more countries, they must scatter all the domestic intelligence personnel.

"What? Want to use troops against the North? Situ Yan asked curiously.

Situ Yan was not surprised to let the Cao Gang come to the forefront, this day was going to come sooner or later.

Taking advantage of the fact that the power is in a vacuum now, the Cao Gang can be quickly laundered, and if he really waits for the power of the Congress to stabilize in the future, Li Hongfei will not be able to easily whitewash the Cao Gang.

"It is enough to have a Ming naval division in the south, and the army in the north cannot be idle, although the Manchu regime has fallen, the remnants of the force cannot be underestimated, and only by cutting the grass and eradicating the roots can we be completely at ease." Li Hongfei said bluntly.

Just because you don't have time to deal with the Manchu Qing Dynasty doesn't mean you can't prepare in advance..............

After the two talked secretly for a while, Qi Hongying took the appointment letter to Beijing and began the whitewashing work of "turning from a bandit to an official".

After Li Hongfei returned to Beijing, he took Zhu Yujiao to the Forbidden City to visit the "old man".

The entire Forbidden City is larger than the Nanjing Imperial Palace, showing solemnity and luxury.

Fortunately, it was the Han general Hong Chengchou who was the last to guard Gyeonggi, which made the various buildings of the Forbidden City well preserved, otherwise there would really be street battles in the Forbidden City, and the entire palace would not know what it would be destroyed.

Now is an extraordinary period, there are not many eunuchs and palace maids in the palace, but the army of five steps and one post and ten steps and one sentry occupies the majority.

In addition to the Qianqing Palace and the Imperial Garden, no matter where Zhu Youzhen goes, there are guards who follow him every step of the way, and it is not an exaggeration to call it house arrest.

When Zhu Yujiao saw this scene, she felt very uncomfortable, on one side she was her father, and on the other hand, she was her husband, but now she had come to such a point, I was afraid that it would be difficult to reconcile it anymore.

"Don't do that, you know I don't want to." Li Hongfei didn't know how to persuade Zhu Yujiao.

If there is a choice, Li Hongfei really doesn't want to move Zhu Youzhen, but if he doesn't move, Zhu Youzhen will kill him, and Li Hongfei can't sit still.

"I understand that this may be the best choice! However, Yu Jiao is here to ask for her husband, and every month in the future, let Yu Jiao enter the palace to accompany her father? Zhu Yujiao pleaded.

"Silly girl, I have never forbade you to enter the palace, you can come if you want, as long as you don't stay in your mother's house all the time." Li Hongfei said with a smile.

Because it is a political marriage, Li Hongfei originally didn't have much affection for Zhu Yujiao, but since a woman has been with you and has been with her for so long, she can't be implicated because of the political struggle above, right?

So during this time, Li Hongfei tried his best to accommodate Zhu Yujiao, not so much as favor, but as a kind of compensation..........