The development of banking and currency exchange expanded from Beijing to Beizhili, and then from Nanjing to Nanzhili.

The Ming Dynasty has always taken the two capitals as the axis, and these two places have developed, and other places are logical and natural.

The first-level branch has the right to mint money, and the thirteen provinces of the country will soon be fully carried out, and this major reform will undoubtedly be progress for the development of the Ming Dynasty. In this world, as long as there are interests, corruption will breed, but this time, in the face of huge interests, none of the officials at all levels dared to extend it into the banking industry, which can be said to be a miracle.

Yes, there is a saying that the upper beam is not correct and the lower beam is crooked, and now the upper beam is upright, which one below dares to be crooked. Everyone knows that President Yue is not a vegetarian, and this matter is personally in charge of him, if you dare to put your hand in it, you will have your head.

Of course, when choosing the president of the first-level branch, Mr. Yue also wiped his eyes brightly, and almost checked the bottom of the officials who should be elected. For example, the president of the first-level branch of Huguang, the official appointed by Yue Su is called Shi Kefa.

Shi Kefa is an authentic Donglin Party member, a native of Shuntianfu, a Jinshi in the first year of Chongjing, the first to be a pusher in Chang'an, with an excellent official reputation, and many meritorious contributions during the suppression of bandits, when Yue Su entered Sichuan, he met in Hanzhong, and later appeased the people, and also made a lot of contributions, and was promoted by Yue Su as a soldier Langzhong. This time, Yue Su started the banking industry and knew that Shi Kefa was upright and would never cheat, so he ignored his identity as a member of the Donglin Party and put him in charge of the Huguang branch.

After Shi Kefa took office, he did a very good job, he didn't make any mistakes, he worked hard, and he didn't make trouble for Yue Su because of his background.

Among the cronies, those who are capable must be promoted, and those who are incapable must be promoted, but they cannot be entrusted with important tasks, so as not to cause trouble. It's not a cronie, only you have the ability, and Lord Yue will definitely not bury you. But there is also a premise, that is, you have to be a clean official. Of course, Lord Yue will not forget Yang Yishan, and the Nanjing branch will be indirectly handed over to him to take care of.

In a year and a half, the imperial court exchanged a total of nearly one billion taels of silver, a figure that also shows that the common people recognized this currency and began to circulate it. Especially in Gangnam, the currency exchange is the shortest, and you can see the wealth of Gangnam from here. The profit of coinage is very high, and it can occupy twenty percent of seven or eight, one billion taels of silver, which calculates that the imperial court has earned at least 270 million taels of silver.

Seeing this number, Zhang Yan was dumbfounded, and the officials of the household department were also dumbfounded, so much silver, the court issued it, and there was money. In addition to being dumbfounded, Zhang Yan only had a smirk, and she could say that she couldn't close her mouth with a smile almost every day. She first invested 8 million taels of silver, all the belongings of the inner palace, but now, she has made a net profit of more than 30 million taels. The royal family has never been so wealthy, from the founding of Taizu to the present day, this is the period when the Inner Mansion has the most silver. The history books of later generations should also record their own merits, and the descendants of future generations should also be able to see that it was he who made the royal family rich.

In the past year and a half, there has been a lot of money to be made, but another problem has arisen, that is, the currency in circulation is almost enough, and there are fewer and fewer people exchanging silver, and there are so many banks in the world, what should we do, is it necessary to abolish it? You must know that the banks in the government can still exchange some in a month, but the banks in the counties and towns can't exchange much silver in a month, especially in some small towns, they can't even exchange dozens of taels of silver in a month, and the court can't give them money in vain. Although there are a lot of idlers raised by the imperial court, it can't be raised by everyone.

Yue Su also saw this problem, and even officials of the Yue Party suggested to him that the banks should be cut some, at least by half. But Yue Su did not express his position, but said that he had to think about it.

In these years, the people have no habit of saving money, and the banking industry is really not good, so you can't just exchange money. What can be done to make the banks of today start to make money like the banks of tomorrow?

He figured out the beginning, but he couldn't figure out how to expand, after all, he was born as a policeman, not economics. Yue Su also consulted Jiang Jie, Mr. Jiang is resourceful, but this industry is an emerging industry, and he has not dabbled in it, so he really can't come up with any feasible solutions.

On this day, Yue Su received a letter from home, which was written by Mu Tianjiao, which probably means that the world is already peaceful, and our son has not seen what his father looks like until now, how can this work, I plan to take my son to Beijing to go around. Moreover, the same is true for Qiongying's sister, we are ready, we will go to Li's house in a few days, and then take a boat from Wuchang to Beijing.

Yue Su also missed his mother, wife and children, and immediately replied to a letter, first greeting his mother, and then hoping that his mother could bring her daughter-in-law, grandson, and granddaughter to Beijing for a visit.

It turned out that Li Qiongying gave birth to a daughter to Yue Su.

The letter was sent, Yue Su was very happy, he had always been worried about the world over the years, and he had never enjoyed the joy of family, and the soldiers and horses in each town had been almost trained, and in another half a year, he planned to go to Liaodong. The affairs of the banking industry can be put aside, and it will be too late to study them in detail after coming back after the pacification of Liaodong.

Thinking of sending troops to Liaodong, Yue Su not only put his mind on the war. To attack Liaodong, it is necessary to advance by land and water, hundreds of thousands of soldiers and horses, many generals are needed, and infantry generals are basically enough, but water war generals are still lacking. The map of Liaodong, Yue Su has already seen, there are countless large and small rivers, and many generals who can fight water and land battles are needed. After thinking about it, Yue Su decided to transfer Kong Youde and Zheng Zhilong over, Fujian and Zhejiang, they have been stabilized, and the ship is almost built, so let's come over now.

So, the next day, he asked for an order to transfer Zheng Zhilong as the chief soldier of the Dengzhou Water Division, Kong Youde as the chief soldier of the Yingkou Water Division, and returned to the general Mao Wenlong to control it. Enter Beijing first.

This arrangement is good, although Yingkou is in the hands of the Tartars, if Kong Youde can be allowed to work at his godfather, he will only be happy and will not feel wronged. Zheng Zhilong's son is still in the hands of Yue Su, you enter Beijing here, let your father and son meet, Ren Dengzhou's general army is also flat, and you can't say anything.

It didn't take long for Yue Su to get the news that his family was escorted by Li Yuanchen and rushed to the capital by water, and within a day, they could arrive at Tongzhou Wharf. It's just that the old mother is old and really doesn't want to move, so she stays at home and is served by Du Shi Niang. Mu Tianjiao and Li Qiongying came with their son Yue Sen, daughter Yue Meng, and Zheng Chenggong.

The names of the children were all given by Yue Su, and they didn't see each other constantly, so Yue Su didn't miss it, so he took leave to the emperor and went to Tongzhou Wharf to expel him in person. Zhang Yan was grateful to Yue Su for his merits, how could she not express that she had rewarded some jewelry and a few pieces of clothing, and told Yue Su that after his wife and children entered Beijing, they would go to the palace for dinner.

Yue Su arrived at Tongzhou Wharf that day, waited for more than half an hour, the ship finally arrived, and after the wife and children got off the boat, everyone was very happy to meet.

"You are my father......" "Mother said that Daddy is the biggest hero in the world, and today I finally met ............ The two children used immature children's voices, you said a word, I said a word, Yue Su felt a lot, and couldn't help crying.

is Zheng Chenggong, who already looks like a big child, and his speech and demeanor are very magnanimous, "The child sees his father-in-law......"

Yue Su hugged the three children in a circle, and for a while, he didn't know what to say.

When the family returned to Beijing, Yue Su told his wife that the Queen Mother would set up a banquet to invite you over for dinner, and it was not convenient for me to go over, so I asked Jin Chan to escort you to the palace for an audience. The Queen Mother invited, that was a great honor, and you couldn't help but go, Mu Tianjiao and Li Qiongying took their children to the Forbidden City.

Yue Su also set up a family banquet at home to entertain Li Yuanchen for dinner, and above the banquet, in addition to the two, there were several of Yue Su's cronies, Jiang Jie, Jin Chan, Yin Zhu, Tong Zhou, Tie Qiu, Li Haoran, Li Haoquan, and Huzi. As for Zheng Chenggong, he followed his stepmother Ruan Aoyue to eat in the backyard.

At the banquet, Li Yuanchen had to compliment Yue Su, and talked about his brother-in-law's exploits, but Yue Su was only polite. After three rounds of wine and five flavors, Li Yuanchen suddenly said: "Brother-in-law, my younger brother only thought that his brother-in-law was talented in trying cases and fighting wars, but I didn't expect that in terms of business, he also has a lot of talent. In the next few decades, the Ming Dynasty will never worry about financial problems again. The title of the minister of Zhongxing in the Ming Dynasty, the brother-in-law is already well-deserved. ”

"Yuan Chen is overrated, and the new banks, although they have benefited the imperial court a lot in a short period of time, but as the currency exchange matter slowly comes to an end, the banks seem to have nothing else to do, and many officials are suggesting that some banks be abolished." Yue Su said.

"The younger brother also heard about this, but the younger brother thought that it was too early to dismiss the bank now. And the younger brother always felt that there were still many things to do in this bank, but because of the new era, more of its functions have not yet been developed. The people who talk about abolishing the banks at this moment are just a little short-sighted. Li Yuanchen said with a light smile.

"Brother Xian's family has been in business for generations, I wonder if you have any good ways to use this bank in a wider range of fields? To be honest, it's not that I didn't think of it, but I just think that the method I thought of was a little out of place. Yue Su said.

"Being able to reform the currency and open a bank is a great contribution to the heavy production. But to be honest, the younger brother just thinks that there are many places that can be used in this bank, but now, he can't say why. Since the brother-in-law has already thought of a way, it is better to tell the younger brother how it is out of place, and probably the younger brother can still share the worries of the brother-in-law. Li Yuanchen said happily.

For this brother-in-law, Yue Su has always admired him very much, he has a lot of eyes, and he is like a god, and he is very talented in buying and selling. Yue Su thought to himself that with his own intelligence, he was definitely not as good as this brother-in-law, and the only person who could compare to him was probably Jiang Jie. However, the two of them each go through one warp, it is convenient to fight, Li Yuanchen is not as good as Jiang Jie, when it comes to doing business, Jiang Jie will definitely not be Li Yuanchen's opponent.

"Brother Wei originally thought that the bank is not only a place to make money and exchange money, but also a place for the people to save money, and the people can deposit their money in the bank, and the bank gives a certain amount of interest. People can also borrow money from banks, but they need to mortgage it, and when they repay the money, they have to pay a certain amount of interest, but this interest is definitely much lower than that they borrow from usury. However, people do not have the habit of saving money, so they worry that they will not be able to withdraw their money once they have deposited it in the bank. I have also discussed this matter with some officials of the household department, but they are very difficult to do. Yue Su said his thoughts. To be honest, this is how modern banks work, but nowadays people use pen and paper, which are stored at home, and may rot. And the people of the Ming Dynasty used real money and silver, and this thing will definitely not rot, and it is not more reliable than handing it over to others for safekeeping.

Li Yuanchen listened to Yue Su's words, nodded, and said: "What my brother-in-law said, the younger brother understands, as the elder brother said, it is true that not many people are willing to let the people want to deposit money in the bank, but it is also feasible. But brother-in-law, you also know that our Li family is unprofitable, and the younger brother has a way now, but the premise is that our Li family should be involved. Of course, it's still the imperial court, and our Li family is just taking out some capital, which can be regarded as cooperating with the imperial court and getting some profits. ”

This guy's reaction was really fast, and after listening to Yue Su's story, he immediately had to come up with a way. This point really makes Yue Su admire, but no matter what this guy does, he doesn't help in vain, and he has to take advantage of it, which is really a headache.

Yue Su laughed and said, "Brother Xian is really good at settling accounts, it's okay, the method is what you came up with, if it's really feasible, Brother Wei can promise to let your Li family get involved." You first tell me what kind of method it is, and it's easy to make a decision for your brother. ”

"Brother-in-law didn't say it just now, it is really difficult for people to save and withdraw money, ordinary ordinary people, there can be geometry at home, and those two silvers are too little at home, let alone deposited in the bank. Therefore, the younger brother believes that the goal in the early stage should not be located on the ordinary people, but on the businessmen. There are many merchants in the world, and most of the business is to go back and forth, every time you go out, take care of so much gold and silver, it is really inconvenient, and some people are robbed, because of this, many merchants have to hire a dart company to escort the silver. If the banks were able to do this, if they had deposited silver in Huguang and could withdraw it in Beijing, then there would have been countless merchants who had deposited money. For them, saving money with interest or not is not a problem, as long as they are safe and can take out the money in other places, then they can do it. Of course, there is a fee for withdrawing money from other places, and the bank can lower the cost than the hired dart office, so that the custody is feasible. Li Yuanchen said lightly.

This guy's idea is really good, just like the modern remote withdrawal. The transportation in the Ming Dynasty was inconvenient, and if you can withdraw money from other places, you will definitely be able to get the support of the majority of merchants.

Yue Su nodded and said, "Brother Xian's method is not bad, but it is not easy to do it. Every bank has its own books, and it is easier said than done to withdraw money from a different place. This is true, and New China has not been able to withdraw money from other places since the establishment of banks. As for what silver tickets say, you can withdraw money wherever you go, that's pure nonsense, the novelist made it up himself.

"Trouble is troublesome, but it can't be said that it doesn't work, it can be said that the bank makes this troublesome money. The younger brother didn't know how long it would take for the account books of the Tianxia Bank to be delivered to the head office of the Beijing Division, but the younger brother thought that it would be better to report it every month. For example, if the younger brother has deposited 10,000 taels of silver in Wuchang, Wuchang's account books can be sent to Beijing after a month, and after the records are completed in Beijing, the copies can be transferred to all provinces in the world, and then transferred from the first-level branches in each place to the second-level branches in each province. In this way, there are records of the younger brother's deposit of silver in various prefectures across the country. Then the younger brother went to Shandong to do business, and he was able to take out the silver in the secondary branches of various provinces in Shandong. Li Yuanchen said what he thought.

Yue Su listened and nodded, it is indeed a good idea to deposit and withdraw money in other places, although it is a bit troublesome to do, but it is not difficult to really do it and form a scale. But at the same time, Yue Su also thought of a question and said: "What Brother Xian said is indeed feasible, but in this way, all the accounts of the bank and all the banks in the world are not well understood. ”

"Isn't this good, all the banks in the world know it, and if someone wants to do something in it, other banks can also see it, so as to play a supervisory role." Li Yuanchen said with a light smile.

"Yes......" Yue Su's eyes couldn't help but light up, this is indeed the case, the accounts are transparent, and the banks can still supervise each other, if you want to deceive the superiors and subordinates, it will be much more difficult. But then, Yue Su said again: "If someone is doing business and is in a hurry to use the money, but the money has not yet arrived in the account of the other place, what should I do?" ”

"Then I can only blame him for saving late, what did he do earlier. If there is a certain amount of money left in the bank, this problem will not arise. In this way, the merchant's silver can be kept in the bank, and will not be used in the present, so that the bank can also ensure that there is a certain amount of silver to turn. Isn't it good? Li Yuanchen said.

"The virtuous brother is really condescending if he doesn't do the household secretary of the imperial court. If the virtuous brother wants to be the president of the national bank, and the younger brother is willing to abdicate and make way for the virtuous brother, I don't know what the virtuous brother wants? Yue Su said with a smile.

"This little brother doesn't dare, if the brother-in-law really wants to abdicate and make way for Xian, then he has to invite another master, the little brother just wants to make some solid money in peace." Li Yuanchen just smiled, followed the conversation, and said: "Brother-in-law, you just said that banks can lend money to the people, but there must be collateral, and the interest rate is much lower than in the hands of loan sharks, and the younger brother thinks that this method is not bad, especially in the Jiangnan area, there are many handicrafts and small workshops, and if you want to expand the scale, you need a certain amount of funds. Not only the merchants will get benefits, but some people will also get benefits, for example, in the famine year, the people lack of grain, borrow from the landlord, the interest is too high, they can choose to use the land deed to the bank to mortgage, borrow some silver, to solve the urgent need. If you can't pay it back in the second year, that's okay, as long as you can pay back the interest, and you can continue to cultivate the land, catch up with the good year, and pay it off all at once. Brother-in-law, you see that what the younger brother said is right. Li Yuanchen said with a smile on his face.

"Yes, bank borrowing can avoid the scourge caused by usury, but it will not be as easy as we say. At the beginning, there were not many people who saved money, and if all of them were loans, how could the court stand it. Yue Su's reaction was not slow, he knew that the bank lends money to the outside world, which is a means for the bank to make money, but if no one saves money at the beginning, all of them are borrowed, where can the country bear it.

"Brother-in-law, what you said is not bad at all, if it is carried out all at once in the whole country, the imperial court will definitely not be able to afford it. However, the younger brother has already calculated for his brother-in-law, and this is also where the younger brother wants to cooperate with the imperial court. The younger brother has built an Anmin rice shop for the imperial court, and the people have benefited a lot, so this time, the younger brother wants to cooperate with the imperial court to establish Anmin Bank. Li Yuanchen said calmly.

"Cooperate with the imperial court to open a bank......" Yue Suden was stunned, although Li Yuanchen had said cooperation before, but he didn't expect it to be such a cooperation law. Fortunately, Yue Daren has traveled over and seen a lot, and in modern countries, there is more than one bank, such as CCB, ICBC, Guangda, and Pudong Development. In the Ming Dynasty, there was only one national bank, probably less, and it was not impossible to open two more state-controlled banks. So, Yue Su said: "Yuanchen, your proposal is not impossible, but I don't know what kind of cooperation method you plan to make?" ”

"The younger brother means this, the newly built Anmin Bank, the starting capital, is funded by the imperial court of seven million taels, and my Li family contributes thirteen million taels, and the annual income is equally divided between the imperial court and my Li family, but the right to operate must be given to my Li family, and the imperial court exercises the right of supervision. If the follow-up funds are insufficient, my Li family can also temporarily re-invest, but after dealing with the urgent needs, they can be withdrawn at any time. It will not affect the distribution of profits between my Li family and the imperial court. Due to limited funds, Anmin Bank is only opened in Huguang and some important prefectures and counties in the country, such as Beijing and Nanjing. Another point, please rest assured that in the business of exchanging coins, Anmin Bank will never be involved, and this transaction can be done by the imperial court itself. After speaking, Li Yuanchen smiled lightly again, "I don't know what my brother-in-law thinks?" ”

"Fair ......"

Yue Su only said two words, and at this moment, in his heart, he was very surprised, he really couldn't imagine that this brother-in-law would have such a vision. What surprised him even more was not this, but the financial resources of the Li family. Thirteen million taels, how much silver does this have to be, before the imperial court did not have a bank, this silver did not mean that it could be taken out. You must know that Zhang Yan's internal money is only eight million taels. It is really not too much to describe it as a rich country. When Li Yuanchen said that when he took out 13 million taels of silver, his eyelids didn't even blink, and the silver at home became more and more immeasurable.

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