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"Lord Wang!" Geng Jingzhong had just returned to Fuzhou, and Yao Qisheng came before he could take a break, and it seemed that he was still in a hurry.

"Look at the appearance of the gentleman, I'm in a hurry!" Geng Jingzhong said with a smile. "This king has just come back from Pingtan Island, and these bones are still soft, so I wanted to rest for a few days first, and put other things first!"

"The prince atoned for his sins, he was indeed in a hurry at this time, and his subordinates had been waiting for the prince to come back for two days!" Yao Qisheng arched his hand and said.

"Oh? What's the big deal? Could it be that there is a new move in the imperial court or is there a change in Wu Sangui?" Geng Jingzhong sat up straight and asked.

Yao Qisheng shook his head: "No, if it is such an important matter, his subordinates and Chief of Staff Li would have gone to Pingtan Island to meet the prince in person!" That's the case, there are three money banks in Fuzhou City that have gone bankrupt, and the new news received yesterday that there is also a money bank in Quanzhou and Zhangzhou that has closed down! Thousands of small businesses and more than 10,000 ordinary people have been implicated. Now the people in Fuzhou City who can't get their hard-earned money are blocking the gates of several money houses every day to beg for their hard-earned money, and the scene was out of control for a while, if it weren't for Chief of Staff Li who mobilized the soldiers of the 11th Battalion in time to maintain order, there might have been many people in prison at this moment! ”

"What's going on? How could so many money banks suddenly go bankrupt?" Geng Jingzhong is really a little strange, these money banks have not been open for a year or two, and they have been operating very well, even if there is a problem, there should not be a problem at the same time.

Qianzhuang existed in the Ming Yingzong period two hundred years ago, and after two hundred years of development, the system can be said to be relatively mature. But of course, it is not comparable to the banks of later generations. At present, the main business of the money bank is still the original silver money exchange business and deposit lending business. In addition, since the end of the Ming Dynasty, some bills of exchange business have also been involved.

Geng Jingzhong himself knows about these money banks. Two years ago, he discussed with Li Guangdi about preparing to open a bank, but he always felt that the time was not ripe, and there were not so many people who were proficient in business, so it was delayed, but the investigation of these money banks in Fujian had already been launched. In recent years, they have opened more and more foreign exchange deposit business and custody guarantee business, but the business of money and other bills is rarely involved, and there are three main reasons. First, the vast majority of Fujian businessmen do business overseas. A large amount of silver money can be traded at the port. The second is that in the inland of Fujian, the transportation is developed and there is no need to worry about bandits, and tens of thousands of taels of silver can be delivered quickly. Last but not least, the big businessmen are concentrating on overseas business, and the capital to open a bank is not very strong.

"The prince doesn't know, in fact, this is also their own blame, in fact, since the year before last the prince took the Wa State, so that the Wa State opened three more treaty ports, especially after the construction of the three ports, the trade volume of the Wa State has increased greatly. As long as there is goods in Fujian, they can be sold to the Japanese country. Among them, the largest volume of trade is in the textile trade. Then there is the trade of raw silk. In the past two years, the price of raw silk has been rising, many merchants have joined the trade of raw silk, and the bosses of these money banks are not lagging behind, and they have eaten a large amount of raw silk in Jiangnan and Fujian in a single or joint venture, waiting for the price to continue to rise. Who knows that the situation is changing, Hunan, Guangxi and other places have also poured in a lot of raw silk this year, the price of raw silk in Fujian has not risen but fallen, and a large number of their goods have been backlogged in their hands. In this way, although several money banks tried to move around, they still inevitably went bankrupt. Yao Qisheng explained Geng Jingzhong's confusion in detail.

"I see! The interests are moving, they don't run the money bank honestly, but go to the trade business without doing business, I don't know who can blame the deep and shallow planting? Don't they know that nine out of ten trading houses are hoarding goods, and if they are good, they will make a lot of money, and if they don't hoard well, they will lose all their money! They are now living examples of others. Brother Li, what did he say about this?" Geng Jingzhong asked.

Yao Qisheng immediately replied: "My subordinates have communicated with Chief of Staff Li before, but there is no mature plan yet. But his subordinates and Chief of Staff Li both thought that now we could start opening a bank. The students trained by the Future Academy are also barely able to go into battle. At this moment, we can easily integrate these bankrupt money bank acquisitions, and we can also obtain a lot of talents who are proficient in this area, and there should be no problem with the combination of the two. I don't know what you mean, Lord Wang."

Geng Jingzhong picked up the tea bowl and thought seriously, now that he has Luzon Island as his backing, there is a lot more room for maneuver. In the past, with the wealth of the Japanese state, there was already the capital to open a bank, although most of the subsequent large-scale development and construction was used, but now it has obtained a large amount of wealth from the Spaniards in Luzon, which can be described as abundant capital. There is no shortage of conditions for opening a bank, and there is no problem in starting now.

"I don't have a problem with this, I think the timing is right. Now the smell of gunpowder between the imperial court and the three feudatories is getting stronger and stronger, especially the imperial court and Wu Sangui, even the power of the western election officials has been withdrawn, and they continue to ask our three feudatories to reduce military spending. But what to do, or call Brother Li over, let's discuss it together, brainstorm and improve it. It's getting late today, and the matter of opening a bank can't be finished in a moment, so go back and rest first, you're not tired of this king, but you're really tired! ”

"The prince's health is important, and his subordinates will retire first!" Yao Qisheng retreated with an embarrassed face, he did things at a fast pace, but he didn't take the details into account

In the palace hall, Geng Jingzhong sat on the main seat, Yao Qisheng, Li Guangdi, Miao Quanchen, and Wang Shishan were on both sides. A few people began to discuss the money bank and the opening of a bank.

"The impact of the collapse of these banks is not small. It must be dealt with properly. Otherwise, those depositors may be in a hurry, so their subordinates agree to buy these banks, so that they can use the money to dispose of the matter in front of them. Lee was the first to express his opinion.

Miao Quanchen frowned, and said in a deep voice: "If you do this, will there be a suspicion of robbery by fire, and others will criticize the palace!" ”

"Hehe, criticism? What's the criticism? We're helping them. And are you going to watch the average savers go bankrupt? Especially for those small merchants, the money saved in the zài money bank may be their savings for more than ten years! No matter how it is outside, at most, it will be said that the palace and the people are competing for profits, but the industries of the palace are all over Fujian, and they are already doing business, and we have always had a good reputation, I don't think there will be a problem! Geng Jingzhong smiled and said. Now let's discuss it and see what we should do next to these small money banks in Fujian! If such a thing happens again, it will be ordinary people who will suffer! ”

"Lord Wang, it is impossible to ban Qian Zhuang for the time being. The impact of this will be very large, and the subordinates feel that the palace can come forward to order a series of orders. These small banks are regulated. Those who are big families, people with strong principal can open a bank, and those with insufficient capital can not open, set up an access system, if you want to open a bank, you must first review the capital, so as not to have such and such problems! Of course, a reputable bank can still be kept! Wang Shishan also expressed his opinion.

"What does Mr. Wang mean is to seal up those money banks that don't have much capital and don't feel very reliable?" Li Guangdi asked.

"Not bad!" Wang Shishan nodded.

Although Yao Qisheng has not yet spoken, he is listening carefully. After hearing Wang Shishan's construction, he immediately felt that it was inappropriate, so he spoke up: "If Mr. Wang's move is inappropriate, won't there be a problem with the family or the reputable money bank?" Two days ago, I opened a lot of books about the records of the bank, which recorded that in the 28th year of Wanli in the Ming Dynasty, a money village in Qiantang, Zhejiang Province lost money due to the proprietor's operation of sea trade, and the silver money of the money in his name was misappropriated by him, causing local riots; In the second year of the previous Ming Dynasty, a similar incident occurred in another money village in Suzhou. In the sixth year of Chongzhen, we have also had such an incident in Fujian, so it seems that the disadvantages during this period are not small! ”

Yao Qisheng was a little anxious in these words, breathed a sigh of relief, and then continued to everyone: "The reason why the people will deposit their hard-earned money in the money bank is to believe in their credibility. If the money bank has a criminal record and bad deeds, who would be so stupid to deposit their hard-earned money! ”

Geng Jingzhong and the others couldn't help but nod, indicating that this was the truth. Generally, people who go out to do business and get a lot of money will deposit the silver into the ticket number and the bank. None of these people are stupid, that's for sure. Except for the merchants who make a living from business, most of the other landlords generally do not want to spend money to let others keep the silver for them except for business, and they hide it in secret places, such as digging a silver cellar, and then take it out when they need it. Moreover, in the ideology of people in this era, the field is the most valuable asset, and the first choice of ordinary people is to exchange silver for fields. This is actually a tradition of the Han people, which can be said to be deeply rooted. Even after a few hundred years, there are still many people who think so, until it was publicly owned.

"There is indeed a big gap between these small money houses in Fujian and the money houses opened by the Jin merchants in the north, so my subordinates feel that instead of letting these small money houses save such and such problems in the future, it is better to completely ban them now, and the way is to buy and annex them by the royal government, and the prince will not treat the owners of these money houses badly. Originally, the money bank is already an indispensable deposit, so it is imperative for us to open a bank, which is not only beneficial to ourselves, but also to most of the people! Calculate carefully, hehe, it can be described as killing two birds with one stone! ”

"Mr. Yao is right, as long as it is beneficial to most of the people, we should do it! What's more, it's also extremely beneficial to ourselves! Geng Jingzhong nodded in agreement. But I felt as if I had overlooked something, and after saying a word, I lowered my head and thought again.

"It's not appropriate. In my opinion, no matter how big or small the money is, it cannot be directly banned. The money banks opened by those Jin merchants in the north are very good soon. People haven't had problems for decades. Allowing other money banks to save zài can further promote the development of Fujian. If this is banned, there will be a lot of criticism of the palace outside, and the prince once said that it makes sense to save zài. Everyone can do whatever they want, we can't interfere arbitrarily, we can't let others survive if you want to open a bank. That's a bit too overbearing! After listening to this, Li Guangdi immediately waved his hand and retorted.

"Yes, yes, that's it, I said I always felt like I missed something just now, Brother Li is right, we still can't directly ban these money banks, we have competed according to our own ability, we have the strongest capital, as long as we do well, we will naturally be able to occupy most of the market!" Geng Jingzhong patted his head and said again and again. I actually forgot about it, even in the afterlife. There are more private banks in the world than national public banks!

"In this way, an institution with special jurisdiction over the bank was established, and it had the right to check the accounts of all the banks at regular intervals at the end of each year, and the bank was to deposit a certain percentage of the silver taels in this institution, so that in case of an accident, it would have the spare power to repay the sufferer. In addition, it is necessary to limit the capital of the bank to be opened at a certain amount, because the capital is more, and the ability to prevent risks is relatively strong. After the bank's silver taels are deposited in the jurisdictional authority, the interest given to it by the jurisdictional authority can be charged. If one day they don't open the bank, they can get all the silver taels back. This institution is under the jurisdiction of the royal government and has nothing to do with the government. ”

"In addition, we are already preparing to set up a bank, and our bank will set an example and take the lead in depositing a large amount of money, and in the future, all the money deposited will be subject to the joint supervision of various banks. Of course, this matter has to fall on our horsetail army, but if every money bank owner wants to check his money, he can check it after applying for it. Don't worry about your money going missing! What do you guys think? Geng Jingzhong said everything he thought of in one breath, and then asked.

"Good! Seconded! ”

"Seconded!"

"Then how can we redistribute the affairs of our own bank, since we have decided to buy those money banks that have gone bankrupt, then this matter will be handed over to Mr. Miao and my uncle, you are in charge of the affairs of the ocean trading company, and you are responsible for the acquisition of a few money banks. And Mr. Miao, the bank's manpower is ready-made, you have to be responsible for organizing them, as soon as the money is acquired, you will immediately open branches in various prefectures and counties in Fujian, there are a lot of things! Geng Jingzhong said to the two.

"The subordinates will definitely live up to the expectations of the prince!" Miao Quanchen and Wang Shishan said in unison.

Geng Jingzhong continued to turn his head and said to Yao Qisheng: "Mr. Yao, the establishment of the institution that governs the money bank will be left to you, but what do you think this institution should be called?" I haven't set up such an organization before, so I really don't know what it's called! Geng Jingzhong only knew that there was a banking regulatory commission in later generations, but it doesn't seem appropriate to use this name here!

"Why don't you just call it the Department of Public Supervision of Banks?" Yao Qisheng thought for a while.

"Well, yes, it doesn't matter what it's called, as long as it can solve the problem!" Lee responded with a wide range of words.

"Okay, that's it, let's do it separately!"

The explosive news of the imminent reform of the banking sector by the royal government appeared in the newspapers the next day and spread throughout Fujian with great speed, causing mixed feelings among the people who opened the banks in Fujian. Recently, there are no more frightened people living in Fujian than these people. Several money banks in Fuzhou, Zhangzhou, and Quanzhou closed down, but their businesses were all affected. No matter how they explained that their money banks would not go bankrupt, those who had silver bills in hand still demanded that they exchange their money in cash, which caused several weaker money banks to suffer the disaster of the fish pond and were run out of bankruptcy in just two or three days, which in turn intensified more people's demand for silver taels. At this point, there are only five money banks left in Fujian, and the remaining five are relatively strong, but it took a lot of effort to barely cope with it.

Since the past few days, public opinion in various parts of Fujian has become more and more unfavorable to those of them who open money banks, and there are even many arguments that they want them to close their doors, which makes these people uneasy day and night. They also tried to send a lot of people out to explain and publicize, but to no avail, making them live in fear every day, for fear that one day the government would really not be able to withstand the pressure of public opinion and close their business. But I didn't expect that the first to express its position was not the government, but the Jingnan Palace. When the news came out that the royal government was going to reform the banking industry, they were relieved. But when they heard that the royal government was going to participate in the formation of a bank, they became worried again, and they all knew that the wolf was coming!

They are not comparable to ordinary people, and they know that the trick to opening a bank to make money is credibility. Relatively speaking, these ordinary money banks are much weaker than the banks that the palace is going to open, and in terms of risk, the palace almost does not deposit zài, but they have a lot of risks. It will be a long-term process for the credibility of the bank to be restored to the past, even if it pays enough money to the public supervision department of the bank.

But no matter what they think, at least these money banks in Fujian have never thought of opposing this new policy of the Jingnan Palace, and many of the measures introduced by the palace in the past are beneficial to businessmen like them, from this point of view, they are a lot more relieved! After the newspaper published the news, the remaining five banks began to move around with each other to discuss how to survive the new deal. The people of Fujian are happy to see the formation of the new bank, for them, one more bank is one more choice, and the bank in the palace seems to be quite insured.

In just three days, the bank opened by the Jingnan Wangfu was the first to be established in Fuzhou. The name of the bank is Fujian Development Bank, and at the same time as the establishment of the bank, the royal government also officially issued an announcement in the newspaper, requiring all Fujian money banks to pay reserves to the supervision department under the condition that the principal reaches a certain amount before they can continue to operate.

The remaining five money banks, although the capital is still quite abundant, but there is no hope for the future. As soon as the palace opened a bank, the remaining customers immediately transferred their assets and wanted to deposit their money in the Fujian Development Bank. The reason for this is also because of some initiatives of the Development Bank. As soon as the bank opened, it announced that it would no longer charge custody fees and would pay interest on deposits in the future. And borrowing from the Weimin Bank, the interest is extremely low. The custodian fee and the interest on the loan that can be called usury have always been the main profit of the original bank, but now it is so engaged by the Fujian Development Bank, and the business has plummeted, and the only way to survive is to follow the trend.

His own business is almost none, and he is still losing customers, and finally he has no choice, so he directly found Miao Quanchen and promised to merge into Fujian Development Bank. So far, Fujian Development Bank has unified the banking industry in Fujian! There is only one money bank left in Fujian! (To be continued......)