readx; Initial results have been achieved in the reorganization of the three major battalions. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 In the past few months, the combat effectiveness of the armored officers and men has been markedly enhanced, and the "disarmoured army" has also strengthened its military discipline and tempered its will through arduous labor, and the military fields have grown well under effective irrigation. For the soldiers and their families, the income has also increased compared to the past, so when the bank opened, it was only possible to deposit 500,000 taels at a time. With this 500,000 taels at the bottom, coupled with the enthusiastic deposits of the people of Beijing, Daming Bank's savings business is off to a good start.

In terms of loans, it is also going well. Since the loan interest rate of Daming Bank is obviously lower than that of private banks, businessmen seek profits, and there are naturally many people who want to borrow from banks. However, according to the bank's regulations, if you want to take out a loan, you must provide collateral that is higher than the loan amount, which makes many people retreat, and some big businessmen are accustomed to commercial credit and feel that the mortgage will inevitably save face, so they would rather not lend.

However, Zhu Cunqi's Wuzhou Trading Company and Li Zicheng's Shaanxi Business Gang do not have this problem. Zhu Cunqi goes without saying, Li Zicheng knew a few years ago that Zhu Youzhen's borrowing money was a necessary mortgage. The two major chambers of commerce took advantage of the hesitation of other merchant gangs, and soon reached an agreement with Daming Bank, using the existing stores as collateral, each lending 200,000 taels of silver, and using this large amount of liquidity to expand rapidly, or purchasing bulk goods, which had a big impact on the major merchant gangs.

However, the direct impact is naturally those folk silver horns. Compared with Daming Bank, no matter how abundant their funds are, after all, it is impossible for them to have the state behind them, and their manpower and 'fine' strength are limited, and it is impossible to absorb small deposits from ordinary people. Coupled with the high interest rate on loans, it is at a disadvantage in almost all aspects.

However, the private bank also has two advantages that Daming Bank does not have. First, there are stable old customers, how many years of cooperation and mutual trust, which is a very valuable resource; On the other hand, private silver accounts do not need collateral, purely based on commercial credit. Therefore, although feeling the strong pressure of Daming Bank, the private bank is still waiting and seeing, and does not plan to make any changes in operation immediately.

Zhu Youzhen did not take any further measures to squeeze the living space of the private silver number. Although Daming Bank and private bank are competitors in a certain sense, their respective sources of funds and service objects are different, and they can coexist.

Zhu Youzhen did not want to eliminate the private silver number, on the contrary, he hoped that the private business would be more prosperous. Even if the conditions are ripe for the Wuzhou Trading Company, which he founded single-handedly, he intends to split it up and turn it into 'private' ownership, so as to maintain the economic vitality of the whole society with good 'sex' competition. Only those industries that are related to the lifeblood of the country's economy will always remain state-owned. Of course, that's all for later.

Compared with the deposit and loan business, the issuance of treasury bonds has been very unsmooth. Zhu Youzhen set a 'threshold' of 1,000 taels of silver for the purchase of treasury bonds, and his goal was very clear, that is, to ask those wealthy officials and merchants to buy them. Because in a few years, he will have to 'spend' a lot of money, and the stability of the funds cannot be guaranteed because the deposit business is readily available. And the gentry class has spare money, so it is only fitting for them to buy three-year treasury bonds.

However, although Zhu Youzhen set the interest rate on treasury bonds not low, to his surprise, the sales situation was miserable. Compared with the deposit counter, the counter selling treasury bonds is simply a 'door', and it can only sell a few thousand taels a day for several days. Originally, the household department had planned how to 'spend' the 10 million taels of treasury bonds, but now they could only stare at it with a wide open eye.

Zhu Youzhen also felt very depressed, but after thinking about it carefully, and then thinking of the scene when he launched the Daming Bank, the Manchu ministers 'fiercely' opposed, and he understood most of it. In fact, it is also very simple, the scholar class, the landlords, and the wealthy businessmen basically wear a pair of 'pants', and the Daming Bank moves the 'milk' cheese of the landlords and merchants, which will definitely be resisted by the scholar class. The savings of the common people and the officials and the army, they can't manage it; But the national debt was sold to them, and they could certainly express their protest against the emperor by not buying it.

So far, Zhu Youzhen has nothing to do. After all, this is the sale of treasury bonds, not a raid, and he cannot force anyone to buy it. In desperation, he had to summon the important ministers in Beijing, hoping that they could set an example and buy more or less treasury bonds, so as to drive the officials and gentry below to buy.

However, although Zhu Youzhen said with a dry mouth, not many ministers responded. Sun Chengzong, Wang Zaijin, Yuan Keli and other old ministers put the overall situation first and were willing to support the emperor, but they did not have much wealth, at most they could buy three thousand taels, and no matter how much silver they had, they would not be able to take it out. And Huang Zongxi, Gu Yanwu, Wang Fuzhi and other newly promoted officials, although they can understand Zhu Youzhen's hardships, they have not been officials for a long time, and their official quality is low, so they don't have much money at all. These three young talents only scraped together a total of 1,000 taels and bought one in the name of Huang Zongxi.

As for the other officials, they found all kinds of excuses to prevaricate. Either they say that their income is not high, and their family has a large number of people, so they have more than enough heart but not enough strength; Or that they have just bought a farm house in their hometown and now owe money to others; Or simply say that they are afraid that it will be difficult for the imperial court to pay off the principal and interest at that time, and it is better not to buy it directly than to increase the burden on the imperial court in three years. It was so angry that Zhu Youzhen's hands and feet were cold, but he had his words first, and whether he bought it or not was completely voluntary, he really couldn't do what he could do with these people.

In contrast, it was still the British public Zhang Weixian who was loyal and patriotic, and bought 100,000 taels of treasury bonds without saying a word. He also wanted to sell the land under his name to buy treasury bonds, but Zhu Youzhen hurriedly dissuaded: "Zhang Aiqing doesn't need it, just do what you can." ”

Zhang Weixian is not as patient as Zhu Youzhen, this old man got angry in front of everyone, angrily reprimanding everyone for being an official of the court, but he refused to share his worries for the emperor. He also directly named Xu Yunzhen, the Duke of Dingguo, and Zhu Chunchen, the Duke of Chengguo, and asked them to buy treasury bonds. Although they are both "Jingnan Four Kingdoms", these two are far worse than Zhang Weixian, and they are reluctant to pay for it, and in the end they barely bought 5,000 taels each, and their faces are simply ugly than crying.

As a result, Zhu Youzhen spent an afternoon and only sold more than 100,000 taels of treasury bonds. In addition to Zhang Weixian, only Zhou Yanru and Wen Tiren bought 4,000 taels each, Han Yi and Qian Longxi each bought 2,000 taels, and the rest of the individual ministers bought 1,000 taels.

After the meeting ended, Zhu Youzhen, who was exhausted by the 'Jing', was sitting on the throne in a daze, but when he saw that Wen Tiren was still in the hall, he smiled and said nothing, so he had to beat the 'Jing' god and said: "Wen Qing has something to play?" ”

"The ministers are obviously rich but refuse to buy treasury bonds, Your Majesty must be in a hurry, right?" Wen Tiren asked knowingly.

Zhu Youzhen heard what he said, and said busily: "Sir, do you have a plan to teach me?" ”

Wen Tiren only said one sentence: "In two days, the National 'Flower' Contest will be held." ”...