After more than three years of development, the Royal Bank has spread all over the Beizhili, and has developed a large number of depositors, at this time most of the people in the Beizhili have the deposit certificate of the Royal Bank.

Royal Capital has relied on the deposits absorbed by the Royal Bank to obtain a large amount of development funds, and at the same time, a large number of loans have also allowed all walks of life in Beizhili to develop rapidly.

For example, in the fourth year of the Apocalypse, the scale of the textile industry in Beizhili expanded more than 20 times compared with the first year of the Apocalypse. Nowadays, all the cotton cloth in Beizhili is produced in this province, and some of it is exported to other provinces.

Most of the Royal Bank's various investment activities have paid off. At this time, the expansion of the Royal Bank to other provinces was also a matter of course.

This entry into the Jiangnan region, it can be expected that it will inevitably obtain a rich return on capital.

Jiangnan is the richest area in the Ming Dynasty, and commerce is also the most developed. The cessation of the operation of Salt Merchant Capital has caused a certain impact on the economy of Jiangnan, and the market currently needs a lot of money, which the Royal Bank can provide. Many business activities in the Gangnam area have high profit returns, whether it is loans or shares, most of them can be rewarded.

Even if the money lent out cannot be recovered, there is still asset collateral. When Royal Bank lends money to the outside world, the review of asset collateral is very strict, so as to avoid a large number of bad debts.

After all, at this time, the Royal Bank was still using real silver, and had not yet issued its own banknotes. Once a large number of bad debts are generated, depositors cannot withdraw their money, which will have too great an impact on the credibility of the emperor.

After all, this is the Royal Bank, under the banner of the Royal, not that it will go bankrupt.

So the Royal Bank's external loans. All of them need to be pledged with assets. In addition, the Royal Bank also has a fixed amount of fixed deposits at this time. There is no limit to the intake of time deposits.

However, there are still many high-quality projects that Royal Capital can invest in. For example, maritime trade and so on require a lot of money, so the quota has not been used up, and it is also a very good choice to go to the Jiangnan area to collect reserves.

The salt merchant who was confiscated this time, after the seizure of the family property, was casually detained for a period of time and then released, clearly eating fat sheep.

Jiangnan businessmen all angrily accused the emperor of being too ugly to eat, for the royal capital that suddenly appeared in the Jiangnan area. A strong sense of resistance was shown.

At the same time, the call for a virtual monarchy is also noisy in the Jiangnan area.

The so-called virtual monarchy is similar to the Western constitutional monarchy, to put it bluntly, the businessman wants to dominate politics himself.

The rapid development of the commodity economy at the end of the Ming Dynasty led to the budding of capitalism, and these very wealthy businessmen, after having money, naturally began to pursue higher dreams, in addition to immortality, it was naturally power.

In fact, the Ming Dynasty was also destroyed by these merchants, if these merchants could eat some money at the end of the Ming Dynasty, before the northern peasant uprising broke out. It can be eliminated through disaster relief. But those Jiangnan businessmen watched with a smile, waiting for the Ming Dynasty to end. Then they want to build a new regime in which the power belongs to them.

But they thought too well, and the actual situation did not develop according to their expectations.

Therefore, the virtual monarchy was very marketable in the late Ming Dynasty, and many scholars were advocating this kind of thinking, or system. Because they cater to the capitalist class, these scholars are also very good, and they are treated as guests wherever they go, and they must be indispensable for eating, drinking, and having fun, and maybe there are all kinds of monetary gifts.

To put it bluntly, such a thing as a constitutional monarchy is also an idea that will inevitably emerge after the germination of capitalism, because businessmen have this need.

As for the so-called public opinion in the Jiangnan area, Zhu Youxiao naturally turned a deaf ear and turned a blind eye. The real public opinion in the Jiangnan area is that grain prices are relatively expensive.

The civil unrest in Guangdong that broke out last year actually represented the situation in the Jianghuai region to a certain extent.

Zhu Youxiao's main goal is still on the grain issue.

At the beginning of the fourth year of the Apocalypse, all 15 production corps were sent out, and 14 production corps were sent to the north of Liaodong, that is, the Jilin region in later generations.

There was also a production corps, which was sent to Hokkaido.

Soon Zhu Youxiao issued an edict to include Hokkaido, which later belonged to the Japanese territory, into the Ming Dynasty, and Xinzeng was a 'Zhendong Province'. The reason why it was named 'Zhendong' was mainly because Zhu Youxiao hoped to suppress Little Japan forever in the island country and prevent them from coming out.

Now that little Japan is also closing its door, let them continue to close themselves to the country!

Zhendong Province is not the only island in Hokkaido, and at the same time, Zhu Youxiao also planned Sakhalin Island in later generations as the administrative area of Zhendong Province.

And in the spring of the fourth year of the Apocalypse, Gao Bangzuo was appointed as the governor of Zhendong Province, and went to Zhendong Province to build an administration and govern the military.

Zhendong Province is still a cold place, and this appointment looks a bit like exile. However, Zhu Youxiao summoned Gao Bangzuo to talk for a long time before Gao Bangzuo took office. Gao Bangzuo knew the importance that the emperor attached to Zhendong Province, so he happily went.

Even if it is a cold and bitter place, it is also a feudal official, and Yu Lu was half mentioned by Zhu Youxiao, which is not a grievance.

After the beginning of spring, the 20,000 recruits of the production corps embarked on a huge fleet of more than 200 merchant ships and set out to sea. They will go to the newly added province of Zhendong to open up pastures and farms, but mainly pastures.

In addition to transporting people, the fleet also transported a large amount of production materials.

In fact, at the speed of a sailboat, it does not take a long time to travel to and from Zhendong Province, and it will take less than ten days to arrive. If it is a headwind, it will be slower, at most half a month.

The traditional Chinese sailing boat type is still relatively comfortable in terms of carrying people, there is a ship building on it, and it is enough to overcome seasickness during the immigration process, and a doctor can be arranged on the boat to follow.

You can also dock at a North Korean port for replenishment on the way, or you can go to a Japanese port for replenishment, but you generally do not need to go to a Japanese port. If it's an emergency, you can still go. After all, Japan now has a trade relationship with the Ming Dynasty, and it is not a big problem to ask for docking and replenishment. Moreover, the local daimyo is expected to be more welcome, and they are now eager to trade with the Ming Dynasty, but the Tokugawa shogunate does not agree.

The fleet arrived at the South Island (Hokkaido) in Jindong Province without any problems. In the strongholds established by the Navy. By this time, more than 200 of the earliest immigrants had already settled here. The food aspect was well settled as there were a lot of fish in the sea. The first group of immigrants were fishermen, who immigrated here and received free fishing boats, fishing nets and other production tools issued to them by the imperial court.

When he arrived in the South Island, Gao Bangzuo found that in addition to the fishermen from the Ming Dynasty immigrants, the Marines had also captured thousands of Ezo slaves, and had taught these indigenous slaves some unskilled production skills, and were improving the construction of the base.

"We want more contractors. Continue to arrest, and if there are not enough manpower, transfer from the production corps. Gao Bangzuo was very sure of this behavior, because it was the emperor who carried it out, and he also modified the word slave, calling them slaves by wrappers.

What kind of social civilization level determines what kind of ruling style. There is nothing inherently wrong with using slaves, because these natives simply cannot fit in if they don't use them as slaves.

The first is the language barrier, and the second is the lack of advanced production skills. If you use the ruling method of feudal society to rule these indigenous people who are still in a relatively primitive state. These indigenous people will not only fail to contribute productive value, but will also become a source of unrest.

The indigenous people here in Zhendong Province are different from those in Taiwan. Taiwan's indigenous people have been in contact with the Han people for a long time, and it is still feasible to establish rule with the model of feudal society. However, the Ezo people in Zhendong Province can only form a rule in the mode of slaves.

For these natives, there is nothing wrong with being a slave. This allowed them to achieve food and clothing, and in order for the slaves to create more benefits, it was natural to feed them and try to make them healthier. So as long as you are willing to work, you don't need to eat a leather whip.

And they will also give them that row of marriages, catch the natives and match them, and then they can have little slaves. In fact, it is the same as those contractors who signed the deed of sale in the Ming Dynasty, there is no big difference, so Zhu Youxiao changed the title of the slave to 'contractor'.

And also formulated the rule that if these contractors have a sense of independence and want to go out independently, they can also work on their own to redeem themselves.

If you can't make money to redeem yourself, you will continue to be a contractor!

After a few decades or hundreds of years, when the descendants of these bonded laborers have integrated into this civilization and collectively developed a sense of independence, a lower redemption price can be introduced, and the slave problem will be solved. When the time comes, those who are willing to be contract workers will continue to be contract workers, and those who are unwilling will casually earn a salary of two or three years to redeem themselves.

Of course, Zhu Youxiao hastily formulated a "Regulations on the Management of Contracted Workers" for Gao Bangzuo to implement, that is, in the daily production process, the contracted workers must not be overworked or abused, and they must have one day off every seven days, and they must be rewarded with certain rewards in terms of food and other aspects for overtime, and they must be given a certain amount of pocket money every month.

If the contract holder of the contractor does not comply with the regulations, the contractor can go to the government to file a lawsuit, and if the lawsuit is successful, the government can issue a certain fine warning, etc., provided that these contractors are aware of the lawsuit. Basically, these contractors will have these consciousness in the second and third generations.

When the time comes, the slave and the slave owner will play under the rules, and both sides will be able to live a good life. If these slaves feel that they are living well like this, then they can go on with their lives. If you feel that life is not happy, you can also find a way to redeem yourself.

The Chinese civilization itself is constantly assimilating other peoples. This civilization is not divided by blood, but by a sense of cultural identity.

Because Zhendong Province has just opened as a province, and it does not have a certain number of Han Chinese as a base like Taiwan, the attraction of immigrants is not as strong as Taiwan's, and Zhendong Province lacks labor. So the first thing Gao Bangzo did when he first arrived was to order more natives to be captured and then trained as contract laborers.

The character of the contractor should be docile and obedient.

Therefore, after these natives are captured, they need to be trained for a certain period of time, and then they are sold to those immigrants or enterprises, so as to enter the production process.

Complex production skills these slaves will not and will not matter, can make them do something simple, repetitive. For example, killing fish, herding sheep, moving bricks, and so on.

These things are not very good at immigrants, because the labor pay is relatively low, if immigrants to such a cold place still have to do this kind of low-paying work, then why do they emigrate?

There was also an advantage to capturing indigenous slaves. That is to eliminate instability on the indigenous side. so that production is not disrupted by these natives.

After Gao Bangzo took office. The main purpose is to run Zhendong Province well, so as to provide more food and industrial raw materials for Daming.

Now there is a shortage of these things, and food is definitely lacking.

There is also a shortage of industrial raw materials, and the industry is now developing, and the bottleneck is the lack of raw materials, such as the lack of more cotton in the textile industry.

Therefore, the industries developed in Zhendong Province cannot be the four main industries of fishery, animal husbandry, forestry and mining, and then develop some construction industries to meet the needs of local residents, and other commodities can be transported from Daming locality.

Among them, fisheries and animal husbandry and animal husbandry are the main ones. Mining is mined.

Forestry is also relatively promising, Zhendong Province South Island, North Island (Sakhalin Island) forest resources are relatively rich, and close to the coast, transportation is more convenient. In terms of long-distance trafficking of logs, it is more convenient than some inland areas in eastern Liaodong.

After all, transporting logs by land is more cumbersome and more expensive. Wood is usually cut into planks locally, or made into paper and furniture, and then transported over long distances.

Moreover, the eastern Liaodong region is actually developed, there are not too many forest resources on the plains, and outside the mountainous areas, there are not so many large trees. Only further north, Jilin and Heilongjiang, have undeveloped forestry. The forest resources of Zhendong Province have not been developed, and there are large trees everywhere. It can produce a lot of large logs.

Enterprises developing these industries also came to Zhendong Province one after another after the beginning of the spring of the fourth year of the Apocalypse, and the fishing companies were the largest, and they also brought many workers engaged in fishing work. And the cannery enterprises also came, ready to produce canned fish in the South Island. Generally, only canned salmon is produced, and other cheaper fish are salted and shipped back.

Most of these companies are owned by royal consortia, and private companies are not coming here on a large scale yet, after all, the infrastructure here is not yet perfect. However, several agricultural companies set up by private capital have come over and are ready to buy land on the island to build pastures.

In addition, Zhendong Province also welcomed a second batch of immigrants, some skilled workers in the construction industry, as well as employees and their families of various enterprises.

After these people come, they are arranged by the government and enterprises, and their salaries are half higher than those in the local area.

The construction of pastures on the island is also the focus of the next step, first of all, the army needs to divide the safe production area, and arrest, exterminate, or drive the indigenous people around the area to the mountains and dare not come out to harass. The land in these safe production zones is then auctioned off to various enterprises for investment and construction.

On the part of the workers, they could immigrate a part, and at the same time they could use slaves, i.e., bonded laborers, in large numbers.

At the same time, the government also arranged for a group of immigrants to come over as herdsmen, and each household was given 300 acres of land. Sign up, get on board and set sail! The government subsidizes part of the production costs, and the bank lends them some of the money. Moreover, there is no tax on land of no more than 300 acres, as long as you are willing to do things, a family ranch of 300 acres of agriculture and animal husbandry that does not need to pay taxes can make the family live a very nourishing life.

About half of the island's pastures will be used to house the immigrants, who are poor in the provinces.

The purpose of not handing over all the land to those enterprises for development is also to enrich the economic structure and enhance the economy's resilience to disasters. In addition, emigrating the poor people in the country so that they can obtain the means of production and live a relatively good life is also an important means to stabilize the situation in the Ming Dynasty.

As for not imposing agricultural taxes on these immigrants, there is nothing wrong with that. What the Ming needed was for them to produce agricultural products, and for the people who were willing to immigrate to this cold land, this was also the reward for their risk-taking. When these people spend money to buy things, they naturally pay VAT on goods.

After all, the proportion of agricultural tax will continue to be smaller and smaller in the future, and in a place like Zhendong Province, 300 acres of land is not a big landowner.

The group of people who collect agricultural taxes from Zhu Youxiao are also those landlords who have annexed a large amount of land, and enterprises that produce in the form of agricultural companies.

One South Island (Hokkaido) has a lot of land that can be used for cultivation and grazing, with an area of about 18 million mu, which is more than the arable land in Taiwan. Of course, the level and type of land output are also different depending on the dimension.

With so much land developed, hundreds of thousands of peasants can also be immigrated. Coupled with the development of fishing and urban industries, millions of people will be able to migrate to the South Island of Zhendong Province in the future.

The North Island has not yet begun to be developed, but it is almost there, and the Marines are already exploring the North Island in depth. (To be continued......)