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Zhu Changhao's combination punch is actually to gather the wealth of the world to the table of the Han River Valley, and in doing so, it can make the economy of the Ming Dynasty take off as quickly as possible.

Geographically, the Hanjiang River is located in the middle of the north and south of the Ming Dynasty, from Hanzhong in Shaanxi to Hankou in Hubei, with a total length of about 3,000 miles, connecting the Qinling Mountains in the north, Waifang Mountain, Funiu Mountain, and Micang Mountain, Daba Mountain, and Jing Mountain in the south.

After opening up the Jialing River waterway in the west, it can radiate to the southwest, and in the east to Hankou, it can go directly to the middle and lower reaches of the Yangtze River plain, starting from the gap in the mountain range, it can connect the northern provinces, and the south is also.

In addition, there are many tributaries in the north and south of the Han River, and it is convenient to grow grain crops with a difference in height due to the same period of rain and heat, and in addition, it is located in the transition zone of the north-south terrain, and there are many mountains, hills, and mountain basins in this place, so the arable land is naturally considerable.

This is also in line with the favorable time, place and people, and has created conditions for building the world's granary.

To tell the truth, the military strength of the Rui Wangfu is now second to none in the power of the vassal king, and the economic power is accompanied by the development of the three major industries, so it is naturally going to go to a new level.

It's a pity that Zhu Changhao is still thin, and no child has been born in Ruiwangfu until now, but fortunately, Princess Liu Zilian has been pregnant for six months, and there are four more months, whether it is male or female, it can be regarded as adding Ding to Ruiwangfu.

On this matter, Liu Zilian also told Zhu Changhao in private, and asked the prince to take Qiao'er into the house. It's just that Zhu Changhao is a little resistant to this, and besides, there is also an agreement between him and Qiao'er that he will make a decision after this summer.

In fact, when it comes to beauty and wisdom, Liu Zilian is not as good as Qiao'er in terms of wit and handling things, but when Qiao'er was Liu Zilian's maid in Liu's mansion, she did not receive an orthodox education, and her functions were just reading, writing, and writing.

In Zhu Changhao's heart, among his several women, he really coveted Dong Wanning, especially when he thought of the top ten names in the biography. Instrument - jade clam with pearls, he couldn't wait to immediately "love" Dong Wanning, but he didn't communicate with her father, Zhu Changhao didn't want to let this beloved woman, before the candle night in the cave room, he had already been given that by himself, which was actually a big psychological shadow ⊥----,for the Ming women in this period.

"If you love your own woman, don't let her have important regrets in her life", this is Zhu Changhao's motto, and it is also his life creed, and now he has only been addicted to Dong Wanning.

A day has passed, Zhu Changhao is waiting for the results of the three hundred and eighty-two people's exams, if the results come out, their positions, that is, the presidents of the branch structure of the Daming Bank in the county governments, are distributed according to the number of results, and the post station does not matter, as long as the results are online, that is, they will go back to their own posts.

It's just that tomorrow's certificate will be issued to them, and Zhu Changhao must personally participate in this matter, because this Daming Royal Bank and Daming Post Station are now the cause of Rui Wangfu. Since it is his own business, the certificate of completion of the people under his own hands must be made by himself, and at the same time, each certificate of completion must also be stamped with two large seals, one is the official seal of the Royal Bank, and the other is the official seal of the household department under the jurisdiction of the Rui Wangfu.

Only the certificate of these two seals is qualified. In addition, each certificate has a seven-digit number on it, so that it can be checked and the final authenticity can be distinguished.

On the afternoon of this day, Lu Lun came to the palace and made a report to Zhu Changhao on the loan rules he had formulated.

The plantation loan of the owner of the manor: one year is the interest of five wen, two years is six wen, and three years is eight wen.

Textile industry borrowing: one centith for one year, one centim for two years, and one centi.8 for three years.

Loans from the steel industry: 2% for one year, 3% for two years, and 5% for three years.

Zhu Changhao looked at it for a while, then secretly calculated, signed and agreed, and stamped the official seal of the household department of the palace, after all, he is still the household servant of the palace.

Later, Lu Lun also signed and stamped with the official seal of the Royal Bank.

Immediately, this loan policy will come into effect, and it will be issued tomorrow when the certificate is sent to the trainees, and the loan rules will be issued at the same time.

In addition, the Ordnance Supervisor has produced the official seals of the Ming Imperial Branch Banks of 34 prefectures and counties, and there are also county banks with 18 business seals, state banks with 36, and provincial banks with 72.

Each business seal is numbered, in addition, in order to distinguish it from the government, the official seal and business seal of the bank are stamped into a circle, and there is a totem of the Ming Royal Bank in the middle, a five-clawed golden dragon.

The same is true for the caravanserais.

That is to say, when the certificate of completion is issued tomorrow, the loan details and round seals will also be issued.

Zhu Changhao was actually very anxious, just yesterday, he had already distributed the silver dollars from the branches of the Daming Royal Bank in various prefectures and counties, and he was waiting for these people to operate.

At the same time, according to the distribution this time, there are 12 people in a prefecture, including nine salesmen, three are managers, one is the president of the bank, one is the director of the banking regulatory commission, and one is the director of operational security.

There are eight people in the county, the president of the bank, the director of the banking regulatory commission, and the director of operational security, and the remaining five are salesmen.

In addition, every day the money is in and out of the warehouse, and the key of the three people is required. The bank's vault door can only be opened if three keys are unlocked at the same time.

These keys and steel locks were developed by the Ordnance Superintendent and stamped with special manganese steel, and it is believed that the keys are in the shape of plum blossoms, and the spare keys for each lock should be in the vault of the superior bank.

These are not the main ones due to the fact that there is no internet connection now that on these tickets. According to the anti-counterfeiting Zhu Changhao is really painstaking. According to a copy of two halves, the business seal is stitched in it.

The fifth, the ticket. According to the above, there is also a layer of lead paint coating, this coating is pressed with bone glue and melted lead, inside is each customer's account number, the account is covered with lead paint, and the coating will be scratched off when it is exchanged. Once the coating is found to be damaged, the account will be invalidated, and the inspection will be carried out immediately, and the solution will be carried out after seven days.

These five steps, in fact, are very difficult, especially the gold thread paper, the gold thread is flat, and there is a circle of numbers engraved on it, this number is an eighteen-digit binary number, these binary numbers, replaced by the decimal system, just in the number segment of this prefecture and county, plus fingerprints, and the coated account, it is generally really not easy to impersonate.

Here's the ticket. The gold thread paper is pressed by a forging press, and a cutting machine and a winding press are used to cut at a high speed.

The gold thread paper is flat, standardized, even, to be honest, and it is really not easy to imitate, in addition, every ticket. According to the handling fee, it costs a silver dollar every time, which is really a burden for ordinary poor people, after all, this ticket. According to the input, the gold thread on it also costs a certain amount of capital.

In terms of banks, there are still a lot of various management places, and they can be improved in the future. The post station is directly the consignment of the Han River Basin, after all, the Han River Basin has an iron identity certificate. Outside the Han River basin, only the government is responsible for transportation.

Some of the preparations were made thanks to the technical support of the Ordnance Supervisor, otherwise, Zhu Changhao would not have done this well so easily.

Everything was on the road, and Zhu Changhao rarely had a leisure, looked at the whole map of the Ming Dynasty's territory, sorted out the information he saw during this period, and thought about Chongzhen's military operations in the second year.

After thinking about it for a while, he found that he still couldn't figure it out in some places, and he planned to discuss with everyone to make a decision.

The night passed quickly, and at the end of the next morning, in the auditorium of the Law University, Zhu Changhao issued the certificate of completion, Sun Chengzong issued the seal, and Lu Lun issued the loan rules.

After more than half an hour, it was finished, and the next thing was to eat, and then each took his bags and got on the transport fleet of the palace.

This matter is finally over, after Zhu Changhao returned to the palace, he immediately called Lu Lun, Wang Zheng, Qu Shiyun, and Sun Chengzong in, to carry out a regular inspection of the bank and the post station, and finally, Lu Lun mentioned that this inspection is best directly under the Ministry of Households, and the personnel are transferred from the Military Discipline Department and the headquarters of the Royal Bank.

Zhu Changhao also agreed, however, he handed over the formation of the inspection team to Sun Chengzong, after all, this old minister from a certain country can also advance and retreat in things, Lu Lun and Wang Zheng, Qu Shiyun assisted.

This matter is over, farming is about to be put on the agenda, on the second day of the first month of March, Qin Ruzhen took Xiangyang. The transport ship of the sailor led 3,000 planters to Hanzhong.

Zhu Changhao didn't say a word, and directly gave them 1,000 catties of corn seeds, and began to plant them in the Hanjiang River Valley, followed by sweet potatoes.

The more than 3,000 people led by Qin Ruzhen planted corn and sweet potatoes in the field during the day and summarized them at night.

Three days later, a batch of cotton seeds came, this thing is honest, for this batch of agricultural personnel, it is indeed a challenge, after all, the front is easy to plant, here, about sixty percent of the people have not planted cotton, so, cotton planting, Qin Ruzhen is more strict for the requirements, directly divided the three thousand people into six groups, each group of five hundred people. There are also five groups of one hundred people each under each group.

If any group is too bad, it will be punished, dereliction of duty, perfunctory, then it will be directly dismissed.

On 10 March, it took more than half a month for these 3,000 people to get rid of the 13 perfunctory agricultural workers, and the remaining people were directly assigned to the agricultural bureau under the inspection department.

Qin Ruzhen was also directly promoted to the new camp in the palace, the squire of the Ministry of Agriculture.