Chapter 629 Financial Restructuring and Industry Rising

In the ninth year of the Holy Dao, natural disasters continued in the Anglo-Chinese country, coupled with the fact that the industry had just started, the steam engine was shattering the hearts of the people in the country, and the "man-made disaster theory" was popular, and the public opinion of a country was holding it accountable.

Who is responsible? Of course it's not the emperor, the emperor has returned the power of the prime minister, and also gave some of the right to discuss to the east and west courts, and in recent years, he has not been too concerned about internal affairs, and it is not the emperor's turn to take responsibility.

Then the cabinet that has the power of the prime minister is the most ideal candidate to carry the blame. In mid-March, various newspapers began to hold Li Zhushou accountable, saying that the first assistant was only submissive, only re-emphasizing reconciliation and not exploration, and that there was no comprehensive response to accidents. Some people even dug up old accounts, saying that as soon as Li Zhushou's cabinet took office, he suggested that the north and the south negotiate peace, which only gave the Manchus another four years of respite. Relying on the profits of the south of the Yangtze River, the Manchu Qing Dynasty is now recuperating and recuperating, and it is already strong and strong, and it will return to China one day, and the effort and blood and sweat will be ten times that of before.

In this surging wave of accountability, the first assistant Li Zhushou and the second assistant Liu Xingchun, as well as many cabinet ministers, had to resign themselves from their responsibilities. The emperor followed the old practice, kept it three times, and finally admitted it.

Although the cabinet already has the power of the minister, the emperor still decides the candidates. The second Cabinet consisted of a first assistant and two secondary assistants. The first assistant is Tang Youzeng, and the second assistant is Fan Jin and Wu Yaluo.

Li Zhushou is a "clean official", so no one cares about Tang Youzeng's background, he is essentially the same as Li Zhushou, good at reconciliation, and is very famous in the court and the locality, and because he attaches more importance to the people's feelings, the public opinion of the people's toilet is also very respectful. The only thing that was a little dissatisfied was the Federation of Industry and Commerce, who wanted to have a cabinet minister from industry and commerce as the first assistant. But they relied on the West Courtyard, and they were already singing against the political affairs hall, and Tang Youzeng's number of roads was about the same as Li Zhushou's, so there was no lot.

If Tang You was another wallsmith and prepared the black pot, then the two assistants were practical, and their appearance, in the eyes of ordinary people, meant that the national policy of Yinghua had changed.

Fan Jin, who had abandoned Wen earlier and trained the Yinghua Army from Emperor Wu Fuzuo. After that, he was transferred to the head of the Jiangnan camp to ensure the smooth progress of the Yinghua Jiangnan raid, and he had a lot of experience in both civil and military affairs. Now he has been promoted to deputy assistant, and the people speculate that it is to strengthen the connection between the government hall and the Privy Council, so as to prepare for a major war that breaks out at any time.

And Wu Yaluo is a scholar of the Ministry of Industry, an old man in Fengtian Village, who is not deeply educated, but he understands the benefits and disadvantages of the workshop very well. His promotion to second assistant was in response to the rise of Anglo-Chinese Industries, which ensured the interests of industrial capital, workshop owners, and workers. This change is the most critical item in the cabinet adjustment, but whether it is the court or the people, there are very few people who can see through this layer.

"Why did I, the former second assistant, come to Jiangnan? Please recall to me, what was my charge before I was appointed as a second assistant? That's right, it's the internal defense! Why did the officials put me in Jiangnan? Well, you know in your hearts, and you don't have to say it out of your mouth. ”

In the camp in Jiangnan, Liu Xingchun was giving an inaugural speech, hearing his words, the officials looked excited, is the imperial court preparing to eat Jiangnan?

Seeing that everyone looked at each other, their eyes full of excitement, Liu Xingchun frowned and said, "What are you thinking?" Don't think about it, I don't care about military affairs. Whether to collect Jiangnan or not is a matter for the official family and the Privy Council to consider. I came to Jiangnan to ensure that the tide of capital and commercial goods will not disrupt Jiangnan, and even if it is chaotic, I will let this chaos benefit my Yinghua! ”

The tide of merchandise? Could it be that the torrent of commercial goods in the past was still small?

Everyone was puzzled, in the past four years, Yinghua's commercial goods have been rampant in the south of the Yangtze River, salt rice, cotton cloth, steel, and even coal and coal stoves have all rolled in from Yinghua. According to the statistics of Longmen Customs, in the eighth year of Shengdao, the total value of goods imported from Yinghua into Jiangnan was as high as 7 million taels, and the total value of goods out of Jiangnan was also 4 million taels. Compared with the total value of commercial goods in Yinghua, although it is still only a small part, for Jiangnan, more than 20% of commercial goods have been linked to Yinghua, which is not enough?

"In the past, the official family had clouds and sought food outside, although Jiangnan was not considered outside, but there was a difference between relatives and relatives. At present, natural disasters are everywhere in the country, and people's hearts are swaying, not only to be safe, but also to turn natural disasters into opportunities for the benefit of a country. Therefore, the south of the Yangtze River will also become a flood discharge place in the country. As for what kind of torrent this is, we will soon see. Our task with Mr. Liu in Jiangnan is to ensure that this turmoil does not trigger a great change between the north and the south. ”

..., Song Ji's voice sounded, in the past few years, he has been in Jiangnan, on the one hand, he has studied capital exchanges, on the other hand, he has a deep understanding of Liu Xingchun's intention to come to Jiangnan.

Liu Xingchun nodded and said: "The torrent comes from one side, one side is silver, one side is commercial goods, and the other side is people's hearts......"

In Shimen County, Zhejiang, the county seat is more hot than four years ago, and a large road breaks through the city gate and goes to the east. This three-fold earth-paved avenue was built by Zhang Sanwang, a nouveau riche in the city.

Zhang Sanwang's mansion is in the most prosperous place in the city, across the street from the county government, at this moment he is wearing a red finely woven dark silk jacket, waving gloves and eight gold and jade wrenches, and is training his son in the study: "Don't listen to the nonsense of the teacher!" Just learn to read and write with him! What are the four books and five classics, and you can eat it when you learn it!? It's not that the school that reads Longmen even accepts hillbillies, I would have sent you to Longmen to study. What the? Longmen also teaches the Four Books and the Five Classics? Phew, you bastard boy knows about Longmen! ”

Just as it was about to rise, the servant came to report that Mr. Wang Zhiyan and Mr. Wang had come to visit.

Zhang Sanwang didn't reply: "Who is Mr. Wang?" I don't know! It must be here to fight the autumn wind again, drive it away! ”

Before the servant could react, Zhang Sanwang reacted to himself, slapped himself with an ear scraper, and shouted while rushing out: "Isn't it Mr. Liu?" How do you get your real name back? Damn, damn it! ”

The person who came was his family, Liu Wenlang, the manager of Jiangnan Salt Industry Company, whose real name was Wang Zhiyan.

In the living room, Wang Zhiyan, who was sent into the upper seat by Zhang Sanwang, said lightly: "Thanks to the blessing of the camp and the company, Li Fu, the governor of Jiangsu and Zhejiang, also gave face and secretly brought my family activities back, from now on, I don't have to change my name." ”

glanced at Zhang Sanwang, who was standing on the side with his hands tied, and secretly said that although this person is careless, and he doesn't know how to restrain himself after getting rich, he still knows kindness and righteousness, and he can still use it, Wang Zhiyan said again: "Right now, my Yinghua country is making a big move in Jiangnan, are you willing to take advantage of the situation and fight the family business?" ”

Zhang Sanwang's eyes widened, and he said excitedly: "Is the imperial court going to take Jiangnan?" That's great! Don't dare to say anything else, as long as the time is set, my Lao Zhang will personally lead the team, smash the county government in three or two clicks, and welcome the imperial army into Shimen! ”

Wang Zhiyan coughed again and again, shook his hand and said, "I'm not an official of the imperial court, how can I explain this to you?" Besides, the imperial court did not come to occupy Jiangnan, but to vent the goods. I heard that you are not only in the salt business, but also in the grain and rice business, Nanyang Rice Company hopes to start from Shimen County and spread the grain and rice business to Hangzhou, are you interested? ”

Zhang Sanwang smiled brightly, touched his head and said: "The grain and rice business is just a partnership with a few grain merchants in Shimen, and they can rely on my name to underreport some goods in the Lijin Bureau." It's a big business, and I don't have that much money to turn around. ”

Looking at the heat in his eyes, you know that he actually wants to take over this business. In the past four years, Zhang Sanwang, like all Jiangnan salt generations, has made a lot of money. Although the Qing court set up a bureau of money, it was necessary to take a cut of them. But it didn't hurt their profits. The Yan Dynasty, like other Shang dynasties, was supported by extremely cheap Anglo-Chinese merchants, and with the mentality that peace was precious, they were also willing to pay some "road money" in exchange for the passage of commercial goods.

Wang Zhiyan said: "There is nothing to have less money, Nanyang Rice can use silver money to make money, or you can lend you money through Nanyang Bank, with an annual interest rate of one cent and nine percent." ”

The former is an old routine in the salt business, and now Zhang Sanwang's business, and 20% of the new Jiangnan salt industry is a member. And the latter is a new method, Zhang Sanwang is happy, can he lend money to the Jiangnan people? The annual interest rate is only one cent and nine percent, and the minimum of Jiangnan private loans is three cents a year.

Wang Zhiyan nodded: "That's right, your Jiangnan Shang Dynasty can now not only apply for loans in various banks in Longmen, but also bank bills and bills of exchange in banks and ticket banks." ”

Zhang Sanwang was overjoyed, the silver bill is also a bank bill, issued by various banks, and the bill of exchange is settled between banks. In the past, these businesses were only for Yinghua merchants, and they were not open to Jiangnan people. When he was doing business, Wang Zhiyan could settle with a silver bill of exchange for him, but he could only settle in cash for his next family. If he can also issue silver bills and bills of exchange, he and his next family will be saved from the trouble of exchanging cash, which is a great convenience. …,

Zhang Sanwang respectfully asked again: "Sir, do I continue to use Fuxing Bank, or do I choose another bank?" ”

Wang Zhiyan's real proprietor is Shengliang Salt Industry, which has a part in Fuxing Bank, so the Yan Dynasty deposited cash in Fuxing Bank earlier. But when it comes to specific business, Wang Zhiyan, as the first businessman to enter Jiangnan, also has his own business. All banks are cashing out bank deposit certificates, and it is possible that Wang Zhiyan wants Zhang Sanwang to change banks.

Wang Zhiyan shook his head: "It doesn't matter, the two courts have just approved the "Banking Law" before, and they have begun to push joint bills, which can be redeemed in any bank, which is most suitable for those of you who do small business." ”

Coupon ......

Zhang Sanwang didn't understand too much, and his thoughts were also pulled by the latter sentence, a small business ...... With his own family, the annual turnover of more than 100,000 taels is a small business in Mr. Wang's eyes, and a big man is a big man.

In the eyes of the people of Shimen County, Zhang Sanwang is a great man, and in the eyes of Wang Zhiyan, he is also an ordinary channel businessman. Of course, in the eyes of Jiangnan Xingying, Jiangnan Salt Industry is only a small role, and when it comes to the Yinghua Dynasty, compared with the new financial system that lays out the whole country, Jiangnan is only a corner of the place.

In April of the ninth year of Shengdao, the "Banking Law" was implemented in Yinghua, and a small rated silver bill called "joint bill" began to circulate in China, and Jiangnan Xingying also issued the "Jiangnan Regulations of the Banking Law" to push it into Jiangnan. This kind of silver bills with exquisite printing, paper hòu toughness, and difficult to imitate are divided into three types: one tael, ten taels, and one hundred taels, which belong to the bearer general bank bills that are paid at sight. This looks like the money of the Yuan and Ming dynasties, but the operating mechanism behind it is very different, this is a credit currency led by the state, divided by the people, and promoted by the upper and lower levels.

This kind of bank bill was implemented by the Yinghua Bank in conjunction with all private banks, and the initial issue of 50 million taels coexisted with the bank bill of exchange business of various banks. The Anglo-Chinese Bank requires all private banks to deposit 20 million taels of cash in the Anglo-Chinese Bank in case the cash is insufficient to redeem the money, which can be converted by the Anglo-Chinese Bank draft.

The private banks gladly accepted the decree, according to which the Anglo-Chinese Bank would withdraw from the private business and exist as a managed bank.

This decree was drawn up by the Planning Department several years ago, but because of the vigorous development of various industries, it has always had insufficient control over the situation of money exchanges, and has no idea how to implement it. At present, taking advantage of the natural disasters everywhere and the booming of industry, it is the right time to take the financial restructuring as the door to carry out the overall regulation and control of the national economy.

In the south of the Yangtze River, with the promulgation of this decree and the implementation of the joint bill, the tide of capital has surged in, further pushing the pace of commercial colonization to the stage of capital colonization. In the past, almost all Shang dynasties relied on Yinghua capital turnover, and now, the flow of joint bills has involved more Jiangnan silver money into Yinghua's banks, and thus the lifeblood has also been handed over to Yinghua Finance.

This is the first step of the Jiangnan tide, and in Li Shi's previous life, the European powers eroded China from the capital level, and they all entered with this step.

The reason why compradors become compradors and work entirely for the great powers is because they owe money to the companies of the great powers, because without the working capital provided by the companies of the great powers, they cannot do business and earn a living.

Now, the Jiangnan Shang Dynasty, and even the subordinates of the Jiangnan Shang Dynasty, those merchants who went to and from the rural markets, organized various commercial goods, or sold them abroad, they have also become such compradors, and they all have to rely on Yinghua capital to survive.

This is only one side of the businessman, on the other side, not only the Jiangnan businessmen, even the Yinghua businessmen are beginning to feel that they are gradually difficult to dominate the capital, a new monster is rising, is squatting on their heads, turning them into the next home, they still have to rely on the breath of this monster, this is the industrial ...... ）

This hand-hit update is provided by "Set Sail Li Ping I Am".