(The first more is delivered!)

After sending off the Second and Third Fleets, Zhang Zhun returned to the Dadu Governor's Mansion.

It stands to reason that as the Metropolitan Governor of the Tiger Army, Zhang Zhun's main time should be spent in the Metropolitan Governor's Mansion, and the affairs of the front line are as long as they are commanded remotely. In fact, this is not the case. The current officer system of the Tiger Ben Army has not yet fully grown up, and Zhang Zhun cannot completely let go. Therefore, whenever there is a big battle, he must be on the front line.

Thankfully, it's finally time to be quiet for a few days. General trifles, a few major generals, can still be handled. For example, the war in Beizhili should be handled by Yang Zhiyuan. In Dezhou, Jinan, Qingzhou and other places, there are different generals in charge. Iron Mountain and Phi Dao also have outstanding officers from the Tiger Army, and there will be no major problems.

The First Fleet, which went to Japan, was commanded by Li Jicheng, and Zhang Zhun was also relieved. It was Zhou Zhengyu who led the second fleet, and Zhang Zhun was also relieved. Zhang Haibin, who led the Third Fleet, "is a little inferior in terms of combat experience, but it doesn't matter, the North Korean naval division is so strong that it is not the opponent of the nine sword ships at all, and Zhang Zhun can rest assured."

On the front line, Huang Taiji is still folding the court of Teng Mingguo, and he is also actively brewing something. However, the purpose of Huang Taiji's toss is mainly to leave Beizhili smoothly and return to Saiwai. It is impossible to continue to launch the active attack of the Tiger Ben Army, unless Huang Taiji himself is dizzy and does not want to go back to the outside safely.

As for the toss of the Ming court, Zhang Zhun no longer cares about it. No matter how much they toss, they couldn't toss anything. If you don't have enough strength, the more you toss, the faster you die. Why did the Ming Kingdom perish so quickly? It's all for Chongzhen to toss.

"Yulin, you're back."

Gao Hongtu laughed rarely.

"Teacher, is there anything important?"

Zhang Zhun asked with concern.

"It's not a question of merit value for your design? There are a few details of the question: "I want to go through it with you, but you always don't have time." ”

Gao Hongtu said gently.

"Good! Let's take a closer look at it! ”

Zhang Zhun nodded and asked Gao Hongtu to sit down.

The so-called merit value is actually the form of the Tiger Army's own currency. Because of the relationship between the treasure banknotes, the people of the Ming Kingdom were quite disgusted with paper money. Therefore, "if the Tiger Army wants to issue paper money directly, it is absolutely impossible." No matter how perfect the design is, under the rebellious psychology of the people, it can only be a cup. Fortunately, Zhang Zhun has played online games after all, and his mind is moving, and paper money is not good, "Then issue virtual currency." This merit value is virtual currency.

According to Zhang Zhun's regulations, all large transactions between outsiders and the Tiger Army, or transactions within the Tiger Army, are carried out in the form of meritorious points. This is a mandatory rule: "All must follow." For example, if you want to open a shop in the area controlled by the Tiger Army, the first thing you need to do is to exchange some of your silver taels for successful medals and mortgage them to the Tiger Army. Then all the taxes and "money transactions between shops and shops" are settled in merit value, not in cash.

If an outsider wants to participate in commercial trade in the area controlled by the Tiger Army, he also needs to exchange his silver for success medals first, and then he can trade with other merchants. In order to encourage more large merchants to use the merit value system, there are some rewards when redeeming.

For example, the price of the old two silver materials, you only need to use yo merit points to buy and so on.

In the past, the system of merit points was not very perfect, and there were all problems in terms of exchange and transactions, and it was not very convenient to operate, which hindered the promotion of merit points. Zhang Zhun then handed over this matter to Gao Hongtu, and carefully studied how to improve it, so that more people and more regions could use this meritorious value system as widely as possible.

Gao Hongtu studied for a period of time and found some problems, which needed to be carefully weighed with Zhang Zhun before he made an announcement to correct them. As a result, it was not until today that Zhang Zhun was free to sit down and discuss this issue. This Governor is indeed a little busy, but this merit value system was created by Zhang Zhun, and Gao Hongtu doesn't know much about it.

After the two sat down, they discussed it carefully.

Because of the Tiger Army's successive victories on the battlefield, the meritorious value is at a certain level, and it is still welcomed by many large merchants. After all, after the silver is successfully exchanged, there is no need to carry it around, which is more convenient than silver tickets and the like. As long as it is on the territory of the Tiger Army, the merit value system is universal.

Another benefit of using merit points is that there are points discounts, as well as honorary titles. Needless to say, these detailed things were designed by Zhang Zhun again. The main purpose, of course, is to attract more people to exchange the silver taels for success points, and encourage more people to use the merit value system.

When you reach a certain level of merit points, you can get a part of the discount. For example, if a large merchant uses a merit value of 100,000 points, that is, he has traded 100,000 taels of silver, then when he participates in trade in the future, he will get a price discount of 3% to 5%. All other things being equal, the Tiger Army will prioritize him as a trade partner, and as for honorary titles, it's even simpler. The merit value system designed by Zhang Zhun has three levels: star, moon, and sun. Between each grade, the decimal system is adopted, that is, twelve stars become a moon, and twelve moons become a sun. The ancients generally believed that twelve was a perfect number, better than the addition of numbers.

With the increase in the number of meritorious points, the honor of large merchants will continue to increase. With 10,000 merit points, there may only be one star. 120,000 merit points can be turned into a moon. If the merit value reaches 1,440,000, it can become a sun.

Basically, these stars, the moon and the sun, represent the honor of the merchant "and the economic power." If you walk into a shop and see two suns hanging inside it, then you can deduce that the hidden strength of this shop is at least three million taels of silver. On the other hand, if there is only one star in the store, be careful.

Merchants who do not have the strength may be unable to deal with large businesses. Therefore, according to the number of stars, moons, and suns, merchants can also better find their trading partners. It is impossible for a large merchant with two suns to have long-term trade with a small merchant with only two stars. In many cases, commercial trade is about reciprocity.

It seems that Shen Lingfei's Shen family has five moons, which is the strength of at least 600,000 taels of silver. Such strength is already first-class in Shandong. Well, you want to do business with the Shen family, "If you don't have two or three moons, you're embarrassed to speak." If you don't even have a moon, that's even more important, don't be bored, right?

In other words, in Shandong, "there are basically only a few people who can do business with the Shen family, such as Zhu Baowei." Others want to do business with the Shen family, what can they do? Of course, I tried to improve my honor as much as possible. As long as you desperately throw money and raise your honor to about two moons, there should be no problem.

Of course, if you want everyone to accept this strange-looking merit system, it's not so possible for the time being. In any case, the numbers recorded on the books are not as real as the gold, silver and copper plates in your pockets. Ordinary people are still willing to put the silver in their pockets and touch it from time to time" feel heavy and steady.

In fact, Zhang Zhun's original intention of designing the meritorious value collection was also to pull these big merchants, more precisely, to pull all the silver on his ground, not to let the silver in Shandong flow out, and at the same time desperately pull the silver outside. Zhang Zhun's idea is very simple, as long as you hand over the silver to me for safekeeping, it is in my pocket, and if you want to go back, it will not be so easy.

Seriously, such an idea is a bit dirty, and it smells a little calculating others. However, Zhang Zhun, who was short of money, had no choice but to adopt such a method. Well, to bulge your own pockets, these necessary means are indispensable. That penguin has pitted so many people, and now it's his turn to pit others.

When it comes to merit points, the most critical and core issue is the exchange rate. Zhang Zhun originally stipulated that the ratio was one tael of silver in exchange for one meritorious value. Gao Hongtu felt that this amount was too large, which was not conducive to expanding the exchange range of merit points, and it had to be reduced. In the end, the two determined that the exchange ratio between the merit value and the metal currency was 1 tael of silver for 1000 merit value, that is, a copper coin was exchanged for a merit value.

The second core of merit is the use of those silvers. Through the exchange of merit points, a large number of silver taels were concentrated in the hands of the Tiger Benjun. How to use these silver taels and what kind of process they use, Gao Hongtu, who doesn't know much about economics, really has no bottom in his heart. He was a little worried that if he didn't get it right, it would be the same as the treasure banknote, the starting point was good, but in the end, he was disgusted with the gods, and Zhang Zhun had serious consideration for this problem.

Some of the silver taels that were exchanged must be sealed and kept in a warehouse, and they are not allowed to be used. The main purpose of this is to ensure that the merit point exchange system is normal. In case someone wants to exchange all the merit points in their hands for silver, and the Tiger Benjun can't take out so much silver, it will immediately cause the entire merit value exchange system to collapse. This principle is the same as a modern bank run.

However, all the money collected can't be put in the warehouse to mold! If this is the case, Zhang Zhun doesn't need to engage in such a set of things, just circulate directly from the silver taels. One of the main purposes of the merit system is to collect all these silver taels and do more things. For example, modern concept of investment, or lending.

The special situation of the Tiger Ben Army is that the merit value system is used internally, and the silver taels continue to be used externally, so these silver taels collected by Zhang Zhun can continue to be used. As long as you make sure you don't lose money. For example, use a large amount of silver taels to buy supplies in Jiangnan and sell them elsewhere. As long as there is enough profit, it can be guaranteed that there will be no shortage of silver taels.

Of course, for the quantitative proportion of merit points, Zhang Zhun is still very strictly controlled, and there will be no exaggerated expansion. Otherwise, "this so-called merit value" will eventually turn into a tragedy like treasure money. If the merit value thing collapses, if the Tiger Benjun engages in virtual currency in the future, it will be half the effort.

The merit value of "Yulin", I always feel that it is a little different from the treasure banknote? ”

Suddenly, Gao Hongtu asked a little puzzled.

"It's different*......"

Zhang Zhun said with a smile.

In fact, the destroyed treasure money is the real currency, which can be circulated freely. The "Meritorious Value of the Tiger Army" is a bit like virtual currency in online games, and its use scope and functions are limited. From this corner, it is a bit like a daily Chinese coin. You must change the currency to Chinese currency before you can proceed to the next step. After becoming a daily Chinese coin, it is limited to the consumption of all items related to daily Chinese currency.

The merit system is similar. As long as you successfully exchange the silver taels for medals, you will lock in the relationship with the Tiger Army. To be precise, "I can only do business with the Tiger Army." If you want to take merit points and go to Jiangnan to do business, it is absolutely impossible. Is it possible for you to use Chinese coins every day to play NetEase's games? And if you want to convert merit points into currency, it is also very difficult. How difficult is it? Approval is required with Zhang Zhun's autograph.

Because of these special reasons, "it is destined that at present, the scope of application of merit value is still relatively small." More efforts are needed to make more people and more regions accept and use merit points. When one day "merit value completely replaces metal money, a new monetary system will be formed."

"Yulin" You...*......"

Gao Hongtu now finally knew the meaning behind this merit value, and couldn't help but sigh softly. I don't know how Zhang Zhun came up with this cunning design. He has been an official for decades, and he can't think of such a cunning way to accumulate money.

Basically, this is a thief ship, no matter who it is, as long as you get on this thief ship, don't think about getting down. They couldn't get off the ship, so they had to be firmly tied up with the Tiger Ben Army and advance and retreat together. When there are more and more merchants tied up by this thief ship, in the economic field, the tiger army will become stronger and stronger.

"The teacher has won the prize*......"

Zhang Zhun unceremoniously took Gao Hongtu's sigh, but he was a little unimpressed in his heart. What is this? In the twenty-first century, the way to calculate in other people's pockets. That's a lot! I'll just move out a few things, and I'll leave you stunned.

"My lord, this is a plan for the establishment of several large commercial houses."

After Gao Hongtu left, Hou Shanping followed.

After the establishment of the Metropolitan Governor's Mansion of the Tiger Army, every department needs to be manned. On the side of the Ministry of Government, the main ones are Gao Hongtu and Hou Shanping, and the others often appear in the local area. It seems that Liu Hang is a professional firefighting captain, as long as Zhang Zhun feels that it is necessary, he will go to the scene. At the end of the year, the time in the Ministry of Government Affairs is less than ten days.

What Hou Shanping sent was a plan for the formation of several large commercial banks. Needless to say, such a suggestion must have come out of the hands of Zhang Zhun again. The so-called commercial banks are actually large state-owned enterprises. Well, to be precise, it is a military-owned enterprise of the Tiger Army. It's just that because the name of the firm is easy to understand and more acceptable to everyone, it is still called a firm.

Zhang Zhun came from later generations, and his hatred for some state-owned enterprises is not below others, but from the perspective of the ruler, you have to admit that the existence of large state-owned enterprises is very necessary. These large state-owned enterprises control the lifeline of the economy, the national economy and people's livelihood, and most of the productive forces, and play a pivotal role in the rulers.

To this end, Zhang Zhun wanted to set up several large commercial houses to oversee the economic fields such as mining, manufacturing, shipbuilding, fishing, and commercial trade. Their formation model, like that of later state-owned enterprises, was directly under the jurisdiction of the Ministry of Administration of the Metropolitan Governor's Office. In other words, it is to directly accept the jurisdiction of his Zhang Zhun.

Putting aside the role of the ruler, from the perspective of economic development, it is also necessary to establish such a few large or super-large trading houses. For example, the shipbuilding industry needs his strong intervention from Zhang Zhun.

Xue Zhidie's shipyard is only responsible for manufacturing warships, not civilian ships. Zhang Zhun is completely liberal in civil shipbuilding. The Ministry of Government has issued a decree to encourage private shipbuilding. On the side of Wulong Bay, there are indeed several private shipyards that accept orders from the private sector and manufacture different civilian ships. However, their scale is still not large enough. The largest ships they can produce are all No. 2 Fu ships, with a displacement of only about 300 tons, and the transportation capacity is about about 100 stones. Well, to produce larger ships, they can't do anything.

Obviously, maritime competition is inseparable from the participation of a large number of merchant ships, especially those large merchant ships with a displacement of more than 1,000 tons. These large merchant ships are the main force of maritime trade. In ocean-going trade, especially transoceanic trade, if a merchant ship with a displacement of less than 1,000 tons or more encounters strong winds and waves, it is indeed enough to choke and the possibility of capsizing is very high.

For example, in East Asia, it is very risky for a merchant ship with a displacement of less than 1,000 tons, that is, to sail in the East China Sea, the Yellow Sea, the South China Sea, the Japan* Honsea, the South China Sea, etc., and want to cross the Pacific Ocean, or cross the Indian Ocean. The galleons that travel from Manila to Mexico all have a displacement of more than 1,500 tons. This is a hard technical indicator and it is impossible to work around.

From a technical point of view, the Dutchman's pot-bellied merchant ships are actually good. The displacement of the pot-bellied merchant ships is large, basically above 1200. The transportation volume is large, basically more than 15,000 stones. There were fewer sailors needed, and each ship generally did not exceed 150 people. The ability to resist wind and waves is also particularly strong. If the Tiger Army can be copied, it will be very beneficial to the sea transportation of the Tiger Army.

However, to build such a shipyard, ordinary businessmen do not have such financial capacity. Xue Zhidie roughly calculated that the construction of such a large civil shipyard would cost 100,000 taels of silver at the start, not counting other follow-up costs. The settlement method of shipbuilding is to pay 30% of the down payment, and the rest will be fully settled after the ship falls into the water. In other words, the shipyard itself must advance funds. If you count the cost of labor and preparation materials, without 300,000 taels of silver, it will not be possible to start at all. This is unaffordable for the average merchant.

Besides, on the technical side, they also have problems. How could an ordinary merchant get the construction materials of the Dutch merchant ship? If the Tiger Army obtains the relevant shipbuilding technology, it is impossible to provide it to them for free. In addition, there is an issue of confidentiality. Well, after thinking about it, Zhang Zhun felt that it would be better to open some other large shipyards by himself, which were responsible for the construction of large and super-large merchant ships. This also has the advantage that these large civilian shipyards can be converted to military use at any time when necessary.

"Is anyone willing to put money into it?"

Zhang Zhun asked slowly.

To set up a commercial bank, the first problem is capital. Zhang Zhun is not prepared to invest too much money in civilian shipyards, mainly in the form of private fundraising. A large businessman may not have such an ability, a dozen, a dozen, a dozen, or even a dozen, hundreds of large businessmen are gathered, and it is okay to slander them?

"My lord, you are still a little confused about this shareholding, their reaction is not very positive, and they may have to wait and see for a while*......"

Hou Shanshu said cautiously.

In order to develop his territory, Zhang Zhun really moved a lot of experience from later generations, and he also moved from later generations to the joint-stock system and the like. Zhang Zhun hopes to raise development funds through the issuance of original shares and build the shipyard. However, the situation is not as rosy as Zhang Zhun imagined. So far, the stocks that are ready to raise 500,000 taels of silver have only been sold for less than 50,000 taels.

All the provinces in Shandong are a bit congenitally deficient, that is, there are too few rich people.

Ordinary people are still working hard to provide food and clothing. It is absolutely impossible to ask them to come up with money and buy stocks before solving the problem of food and clothing. The rich people of the Ming Empire are either in Beijing or Jiangnan, and they are not relied on on either side of Shandong, which is indeed a bit depressing.

The people don't have enough funds, no matter how you toss, it's impossible to make something out of nothing! Zhang Zhun estimated that the remaining more than 90% of the stocks could only be found in other places. It seems that we have to find a place where there are many rich people.

"How is the preparation of the Yangzhou Chamber of Commerce?"

Zhang Zhun suddenly changed the topic and asked slowly.