Chapter 044: Investment Advice
Bang! Bang! Bang!
Gunshots rang out, and gunpowder smoke began to spread. At the range, musketeers are learning how to use flintlock muskets.
"This tap fire is much easier to use than a bird's gun, but it's still not as convenient as a three-eyed gun." One soldier was still muttering after a shot.
Other soldiers also had many such complaints.
The training of the flintlock pistol still made the soldiers of the Beijing camp have some resistance, and they have not yet fully accepted this weapon.
However, there is no way to accept it, after some reorganization of the Beijing camp, the establishment of the Shenji battalion has been cancelled, and those disorganized firearms have basically been eliminated.
Among the firearms of the Ming Dynasty, there are many special firearms, including continuous, multiple, and large firearms, but the cost performance is not high, some are high in cost and poor in quality, some are too heavy, and some are too cumbersome. As a result, almost all of them were eliminated and replaced with freshly made flintlock pistols.
Because flintlock muskets no longer needed to light the arquebus, the resistance of the soldiers was not as strong as it used to be.
Even if you resist in your heart, it is useless, now that the Beijing camp has begun to enter an increasingly strict training schedule, obeying orders is the most basic discipline.
Because the military salary was guaranteed, the soldiers gritted their teeth and persevered despite the hard training. And if you can become a first-class soldier, then the family will be able to live a very good life.
If you want to become a first-class soldier, you must train hard, and if you can pass the assessment, you can become a middle-class soldier. The second is to study culture diligently, and if you can know a thousand commonly used words, you will be able to become a first-class soldier.
Let the soldiers be literate, this is for the needs of future army expansion.
At the very least, officers at the grassroots level must be able to read and write, and as long as they can read and write, they will be able to read military orders and understand maps after training. At this time, the 50,000 Beijing battalion, as a seed force, had a relatively large cost of training.
As for whether or not to study seriously, it depends on personal consciousness. Of the 50,000 soldiers in Beijing, there will always be a part of them who will work hard to learn knowledge.
The entire Beijing battalion was reorganized into five divisions.
Each battalion has 1000 ordinary soldiers, 3 battalions are 1 regiment, 3 regiments are 1 division, and each division has 9000 ordinary soldiers. It was organized into 5 divisions, plus a 2,000-man reconnaissance cavalry.
The reorganized infantry division, with a ratio of musketeers to pikemen was 1:1, with pikemen in depth 10 platoons of 50 men each. The musketeers were lined in 3 rows, to the left and right of the pikemen, which could be arranged in front or in the rear, forming a triangular arrangement. 83 musketeers per platoon.
Because of the use of flintlock muskets, musketeers could be kept close to each other, unlike in the past, when arquebuses were used, the distance between gunpowder was at least one meter in order to avoid being ignited by someone else's arquebus. Nowadays, flintlock muskets were used, and musketeers could stand shoulder to shoulder and stand more densely than pikemen, greatly increasing the intensity of fire. Eighty-three musketeers stood in a row, about the same width as 50 pikemen.
There is a queue of musketeers on each side of the pikemen, adding up to 166 musketeers in a row, kneeling in the front, bending in the middle, and standing in the back, and 500 musketeers can fire at the same time.
The reconnaissance cavalry selects the cavalry of elite cavalry (strong ability to fight alone) for training, which is used to reconnoiter the enemy's situation and patrol back and forth, and is assigned to each infantry division.
These reconnaissance cavalry were selected and selected, and even went to the Nine Sides to select excellent border troops and transfer them to them. The cost of armament invested in each cavalry is higher than that of the Tengxiang cavalry division. At the same time, the cultural requirements for these cavalry are also relatively high, and they must know how to draw military maps, and the military salary of these reconnaissance cavalry is also the highest in the army.
Arming these 50,000 Beijing battalions, the cost of equipment reached 400,000 taels of silver, and the annual military salary and consumption were also as high as about 500,000 taels.
Zhu Youxiao has no money in the school, and there is still financial support from the imperial court in terms of military salary and consumption in the Beijing camp, but the cost of comprehensive costume change is still paid by Zhu Youxiao himself, but fortunately, the income from the family has solved the urgent need.
The good news is that Daming Royal Bank has fully expanded in the Gyeonggi area and opened a branch in Zhangjiakou, initially forming a small network.
With one yuan account opening and considerable interest rates, Daming Royal Bank attracted a large number of people to deposit in the bank, and the deposit amount quickly exceeded 10 million taels.
Of these deposits, the silver of the powerful still accounts for nearly half.
Loans have also developed, many businessmen began to apply for mortgages in the bank, as long as it is a good asset, the Ming Royal Bank will lend, but a few months later, only 500,000 taels of loans have been released, which is completely unable to keep up with the speed of savings.
With the expansion of the industry, Zhu Youxiao had to consider setting up a professional accounting firm to be responsible for functions such as auditing and financial management.
Soon after, the 'Daming Royal Accounting Firm' was established, and Zhu Youxiao dug up a few accountants from Shanxi Ticket Number, and transferred a group of official accountants to introduce the 'Longmen Account' used in Shanxi Ticket Number, which is a kind of double-entry bookkeeping method developed from the three-legged account that is not particularly night.
The expenses of the palace, the money and grain of the Daming Royal Bank and the Jimin Grain Bank are all under the management of the Daming Royal Accounting Firm. Accounting firms are relatively rare without eunuchs, but there are no civil officials, and the highest diploma is the Xiucai level, and many of them have not yet made a name for themselves.
As an emperor, the civil official group cannot be trusted at this time, but it does not mean that all eunuchs must be used.
In the system of the Ming Royal Bank, there is no shadow of eunuchs. Instead, it is managed by recruiting shopkeepers, and it seems that the effect is very good.
How the Royal Bank can continue to expand its investments is a question of how it can afford to pay the interest rate on deposits to depositors without a return on investment.
Yang Ruiguo entered the palace to report on the recent operation of the bank, and then said to Zhu Youxiao: "Your Majesty, Caomin has a good investment project here. ”
Zhu Youxiao asked, "Let's hear it." ”
"Because of the Yellow River disaster, I have suffered a lot of losses. The purpose of the canal dug by the imperial court before was to bypass the waterline of the Yellow River, but this canal has been repaired for more than 40 years, and only half of it has just been repaired, and the rest of the river section is also in a state of suspension, mainly because the imperial court does not have enough money and grain. It is better to hand over the excavation of this section of the canal to the bank, and after the dug through, the bank will set up a card to collect tolls. Yang Guorui said his thoughts.
"Canals? I think about it. Zhu Youxiao didn't make a decision for a while.
Caoyun is roughly divided into three sections, the southern, northern, and central regions. The Cao Canal in the south and north is not a big problem, and it is very stable. The biggest problem is the canals in the central Yellow River, which are often blocked by the Yellow River's bursts and embankments.
In order to solve this problem, the Ming Dynasty began to dig a new canal in the central region from the Wanli period, and once this canal was dug, it could completely avoid the influence of the Yellow River.
It's just that under the weakening of the national strength, it has not been repaired for more than 40 years.
This canal was not repaired until the fall of the Ming Dynasty in history, and it took nearly 60 years to build it, and in the end it was picked up by the Manchus.
Whether to repair or not, this question makes Zhu Youxiao feel very embarrassed.
It is better to develop shipping than to develop shipping! It's just that there won't be so many ships in the sea for a while, and the huge loss of water transportation is indeed a problem. PS: Thank you He Yongcheng and Liu! Tips.