"What kind of path does Your Majesty want to show Huang Li?" Not only Li Yusheng, but also Liu Shanzhong, Liu Qianzhi, and Wang Zhonggui all set their eyes on Zhu Youzhen, maybe Zhu Youzhen's whimsical ideas may have a reference effect on them.

"Bank, I don't know if you are doing business overseas, have you ever heard of it?" Zhu Youzhen did not know the situation overseas, and he only relied on the experience of later generations to prepare to establish a commercial bank in Daming.

"Banks?" Several people looked at each other, really confused, Liu Qianzhi frowned lightly, showing several tortuous wrinkles, pondered for a moment, and shook her head in the end.

Zhu Youzhen waited for everyone to come back to their senses, and then coughed lightly, "The bank is equivalent to the money bank of the Ming Dynasty, that is, the place where the common people deposit their silver." ”

"Money?" Li Yusheng was stunned, "Your Majesty, Huang Li originally opened a money village, but he ...... It's just that the profits of this money bank are too meager. ”

The curious little girl Liu Qianzhi stared at Zhu Youzhen even more, with the feeling that Little Red Riding Hood had been deceived by the big bad wolf.

"The profit is meager, that is because he is not on the scale, and the management is not very standardized, just like the textile factory I just said, and he has not kept up with the pace of development of the times," Zhu Youzhen glanced at everyone, directly ignoring Liu Qianzhi's eyes, "You have all been in business for many years, you should know the source of income of the bank, right?" ”

"The income of the money bank naturally comes from the difference between the interest rate of the people's deposits and the merchants' loans." Liu Qianzhi didn't wait for Li Yusheng to interject, and hurriedly replied, she also looked at Zhu Youzhen provocatively, probably thinking that this question was too pediatric.

"It seems that Miss Liu is no stranger to Qian Zhuang, she is really a good hand at financial management," Zhu Youzhen replied with a provocation, "Now that Qian Zhuang has entered the era of low profits, does Miss Liu know how to increase Qian Zhuang's income?" ”

"This ......" Liu Qianzhi avoided Zhu Youzhen's compulsive gaze, but she did not admit defeat, "Of course, it is to increase the amount of silver deposited, and then lend out the silver." ”

"But Miss Liu knows how to increase the amount of money deposited, and how to release the loan?" Zhu Youzhen saw that Liu Qianzhi was already a little embarrassed, so he looked away, "Huang Li has been running a money bank for many years, and the commonly used methods, I'm afraid he has already tried it." ”

"This ...... Does Your Majesty know? Liu Qianzhi asked rhetorically.

"Of course, I am instructing Huang Li," Zhu Youzhen added leisurely, "although he himself is not here." ”

Not only Liu Qianzhi, but the other three also feel that it is a fantasy, Huang Li, who has been running a money village for many years, is exhausted, can Zhu Youzhen find another way? "Your Majesty, is there really a way to bring Qian Zhuang back to life?"

"I don't know the true face of Lushan, only because I am in this mountain!" Zhu Youzhen didn't care who was asking, "Many times, business opportunities are not in business activities. ”

“……”

"Qianzhuang, Ao, in the future, it will be called a bank, first of all, there must be a deposit, no deposit, everything is not to be discussed," Zhu Youzhen smiled at Liu Qianzhi, and found that Liu Qianzhi was constantly nodding her little head, "Now the people, officials, and even the merchants themselves in the Ming Dynasty are keeping the silver at home, and how to attract this part of the silver to the bank is the top priority." ”

"Your Majesty, the people's daughter has somewhat understood, in order to attract silver, the interest rate must be increased," Liu Qianzhi was overjoyed, but then shook her head and looked at Zhu Youzhen with longing, "But if the interest rate increases, the bank's profits will be further reduced." ”

"So, the next thing is the question of letting the silver out," Zhu Youzhen glanced at the four of them, "The two proprietors, the two sons, do you know that the Ming Dynasty is encouraging the development of industry and commerce?" ”

"Ah, Your Majesty, the people's daughter understands," Liu Qianzhi exclaimed, causing her father to roll her eyes for a while, "The imperial court encourages industry and commerce, and there will inevitably be more industrial and commercial households, and they need to borrow money from the bank?" ”

"Miss Liu is right, there is another layer," Zhu Youzhen felt that Liu Qianzhi could think of this layer is already very good, "I just said that in order to reduce the cost of products, it is imperative to expand the scale, so, for the sake of profits, in the future, industrial and commercial households will also borrow from banks, and there will be fewer and fewer ways to develop slowly and accumulate gradually." ”

“……”

"Maybe the interest rate difference between the bank's deposit and the merchant's loan will narrow, but as long as the amount of bank deposit and loan increases significantly, the real profit will still increase."

"Your Majesty, isn't there a vicious competition between the bank and the bank in order to compete for the silver taels?" Li Yusheng is most concerned about the development of the bank, after all, Huang Li was recommended by him.

"That's why I want to set up a bank, so as to distinguish it from Qianzhuang," Zhu Youzhen can only say a general strategy, "In the future, the imperial court will set up Daming Bank, Daming Bank does not handle specific business, but only supervises various commercial banks, and the people's bank deposits and bank loans will have a fixed interest rate, which no one is allowed to change, only Daming Bank will float interest rates from time to time according to market demand." ”

"Your Majesty, since all banks have the same interest rate, it will be a little difficult for banks to attract deposits." According to Liu Bingkun's understanding, banks basically strive for customers according to geography.

"It may be the case for the time being, but with the gradual increase in the number of banks, it is necessary to use integrity to attract people to deposit money." Zhu Youzhen believes that in the final analysis, only by being honest and trustworthy can banks attract enough deposits.

"Your Majesty, what about the money bank? Can they continue to exist? "Li Yusheng's meaning, the money bank and the bank, is only the difference in name.

"Money banks will still exist for the time being, but as time goes by, they will either turn into banks or withdraw from the business," Zhu Youzhen briefly explained the difference between the two: "The people deposit money, of course, looking for a bank with high creditworthiness, under the supervision of the imperial court, not only operate in a standardized manner, but also have sufficient funds, and the risk of run and bankruptcy will be much smaller." ”

"The folk girl understands!" Liu Qianzhi kept nodding, and even the cyan headscarf wrapped on the top of her head was loosened, now that Zhu Youzhen already knew her identity, she simply removed the headscarf, revealing the bright and smooth green silk inside.

"You haven't fully understood," Zhu Youzhen smiled slightly, "The commercial activities of any era are inextricably linked to the policies of the imperial court. ”

“……”

"The imminent borrowing of large amounts of industrial and commercial households is related to the imperial court's encouragement of the development of industry and commerce," Zhu Youzhen first listed vivid examples, "In fact, the imperial court is about to carry out another major reform, which is to partially restore a whip law in the Wanli period." ”

"A whip? Your Majesty is saying that all taxes are converted into silver taels? Li Yusheng asked softly, in fact, a whip law has little direct relationship with him, a maritime merchant, and he is more concerned about the reform trend hidden behind it.

"In the future, in addition to grain, it will be two taels of silver, and a large amount of physical goods will be levied and rotten in the treasury, which is a pity," Zhu Youzhen did not intend to explain in detail the issue of a whip law, "Do you see business opportunities from this?" ”

"Do all these silver have to go to the bank?" Liu Qianzhi was the first to react.

"Yes, the taxes paid by various prefectures and counties will first be concentrated in the capital through the bank, and then released to the capital, and these tasks need to be completed by the bank." Zhu Youxiao threw out a pie that was too big this time.

"But ......," Liu Qianzhi muttered quietly.

"What Miss Liu mean, but the bank has to take a huge risk?" Zhu Youzhen laughed, "There is a risk to make a profit, the imperial court does not let the bank work in vain, the tax department will pay a certain commission according to the amount of silver taels, for the tax department, this is not a loss, originally the imperial court has a special person to escort the taxes from all over the country to Beijing, but also to pay the cost, now not only save some costs, but also save personnel." ”

"Your Majesty, all the taxes of the imperial court are included in the bank, which will be a huge amount of money!" Li Yusheng was a little worried, tens of millions of silver, once there was a mistake, it was possible to raid the family and wipe out the clan.

"What's the matter, can that Huang Li eat this silver?" Zhu Youzhen said in his heart, I was worried about not having any silver just now, but now there is more silver, don't pretend to be a fool.

"Your Majesty......" Li Yusheng hesitated, "this...... Huang Li shouldn't have such a big appetite. ”

"I also know that Huang Li doesn't have such a big appetite," Zhu Youjian seemed to have guessed Li Yusheng's mind a long time ago, "So I plan to set up three large banks in Beijing, Nanjing, and Guangzhou to act as agents for the taxes of the five provinces, and if Huang Li's appetite is not enough, I will set up another bank in Kunming or Chengdu to share the taxes of the five southern provinces." ”

"This ...... Your Majesty, have the banks in Beijing and Nanjing fallen? Li Yusheng didn't dare to call the shots for a while, he wanted to look at the others first, after all, this was a huge amount of money.

"I won't hide it from you, the bank in Beijing, I plan to use my private property to set up a large bank, and today I am planning for the first time, so the Bank of Nanjing is temporarily undecided," Zhu Youzhen looked at Liu Shanzhong, "Liu Dongzhu is from Jiangnan Province, if you meet a suitable person, you might as well recommend it to me." ”

"Yes, Your Majesty." Liu Shanzhong immediately agreed.

"Your Majesty, because the funds involved are too large, the grass people dare not make decisions for Huang Li for a while," although Li Yusheng was excited by Zhu Youzhen's words, plus Zhu Youzhen has set up a bank privately, with Zhu Youzhen's eyes, the profit should not be too low, but all of Huang Li's net worth is involved, the risk is too great, and he must be careful," After the grass people returned to Guangzhou, they asked Huang Li to make a choice immediately and immediately reply to His Majesty. ”

"Okay, okay, proprietor Li doesn't have to be too reluctant," Zhu Youzhen leaned back on the dragon chair, "In fact, the taxes and silver in various places are not handed over at one time, and the bank can escort them to Beijing in batches, and the risk is not as big as you think." ”

"Ah......" Li Yusheng understood, it turned out that the risk could be avoided in this way, if he escorted 500,000 silver to Beijing at a time, even if he was robbed by a strongman, the loss would only be 500,000 taels, and he would not lose his family, "Your Majesty, the grass people estimate that Huang Li will ......"

"Haha, proprietor Li doesn't have to decide too early, don't be in a hurry now," Zhu Youzhen's gaze drifted to Liu Qianzhi again, "Do you know why I asked the bank to prepare a million taels of silver?" ”