[Today's second update]

At the same time as the financial reform of the Ming Empire was advancing, the currency printed with Deng Haonan's portrait also quickly flowed into the market. As the de facto supreme ruler, Deng Haonan's portrait has attracted the attention of people from all over the country, because it is difficult for ordinary people to see such a big official as Deng Haonan, so they are addicted to coins.

Of course, more importantly, Deng Haonan has won the hearts of the people, and the people want to see him, just like the superstars of later generations.

The financial reform was carried out very smoothly, and Deng Haonan also began his plan to accumulate wealth.

With the establishment of the central bank, Deng Haonan successively established four state-owned banks. Although there are four banks, they are all subsidiaries of the central bank, in order to introduce a competition mechanism to prevent one monopoly from becoming a monopoly.

Of course, the central bank belongs to Deng Haonan himself, which should be regarded as a monopoly!

The Northern Bank, based in Beijing, oversees North China, Northeast China, Inner Mongolia, and Siberia, granting loans and accepting deposits to these regions. The Southern Bank, based in Nanjing, administers the provinces south of the Yangtze River, grants loans to the southern regions and accepts deposits. Oriental Bank, which is in charge of the Ryukyus, Taiwan, Hawaii, Seattle and other regions, is responsible for depositing and lending to overseas traders and companies. The Bank of the West, which is in charge of the southwestern and northwestern provinces, including Tibet, is responsible for depositing and lending to merchants and peasants in these areas.

At the same time, Deng Haonan knows that in this era, money banks have to charge fees for depositing money, and loans are also usury, and few of them can be chained across the country, all of them are regional, and even some money banks only survive in a small town.

In response to these circumstances, Deng Haonan brought the advanced business ideas of later generations into the four major banks. The four major banks have implemented free deposits and interest-bearing deposits for customers with large deposits. At the same time, a series of measures such as reducing the interest rate on foreign loans and prohibiting usury have been prohibited.

In this way, the gentry, officials, businessmen, and common people all came to the spirit. In the past, the money was deposited in the bank, and the customer had to paste the money into it himself, but now it is not only free, but the customer who saves more money can even get interest, which is not a strong impact on people, and it is simply a feeling of earth-shattering.

In ancient times, due to the constraints of traditional thinking, they all liked to save money. From the emperor's small inner pocket, to the treasure house of the civil and military officials, to the private money of the common people, they all show one thing in common, that is, the excess money is saved up and hidden at home. Some are to save money to eat, drink and have fun, some are to save money to build a house and marry a daughter-in-law, and some are to save money for a coffin board.

In short, these circumstances have led to the fact that more than half of the currency of the Ming Dynasty cannot be circulated, and it is all kept at home. With so little less currency in circulation, it was natural for the imperial court to increase the minting of currency to meet the needs of market circulation. In times of peace, there is no big problem, but when it comes to the year of famine and war, the common people will take out their money to buy goods, which makes the circulation of money suddenly increase, but it makes the currency depreciate, causing chaos in the country and the dynasty.

The imperial court could not judge and prevent this phenomenon, but now Deng Haonan has come up with a way. That is to use banks as a lever for economic regulation, which in later generations was called macroeconomic control, or state intervention in monetary engineering.

The imperial court first came out of the central bank, and its reputation was very good, and the common people praised it. Then Deng Haonan went out of the four major state-owned banks, opened branches all over the country, and chained them all over the country. In this way, it is very convenient for ordinary people to save money locally and withdraw money from other places. If you save more, there will be interest, which excites people who have always wanted to save money to make money.

Many of the gentry and merchants had large sums of money at home, especially those on the southeast coast, who had millions of dollars in their pockets. Their money is left in their homes for a while, and they are in danger of being robbed and stolen. So in order to make money, for the sake of insurance, they deposited all the money in the bank, so that the bank issued them a bill and stamped it with a red stamp of state guarantee. The merchants were very happy to keep their silver in a safe place and earn a lot of interest.

This is true of the merchants, the same is true of the common people, and the officials and gentry applaud.

For a time, the whole country and the whole country talked about the matter of the deposit bank.

The ultimate purpose of Deng Haonan's establishment of the four major state-owned banks is to make money, and of course, the immediate purpose is to cooperate with the central bank to carry out monetary reform.

Because the central bank's reserves are insufficient, the whole country needs to exchange more than one billion yuan, and it is really difficult to fill such a big hole.

In order to complete the financial and monetary reform in the whole country, Deng Haonan came up with this trick in order to relieve the pressure on the central bank.

Because the four major state-owned banks implemented the preferential policy of free deposits in small amounts and discounted interest on large amounts, which made people who were originally going to exchange new currencies directly deposit their silver in the bank to make money, so that the central bank got a large amount of silver to mint money, and at the same time reduced the pressure on the new currency, so that the central bank survived another catastrophe of financial reform.

"Congratulations to the prince, the financial reform and monetary policy have been implemented smoothly!"

Feng Shaoyan simply admired Deng Haonan's tricks, and he was originally the leader in finance, but this time he was convinced of Deng Haonan. When he was piloting it in Gyeonggi, he found that there was such a huge risk, and Feng Shaoyan was a little reluctant at that time. Unexpectedly, Deng Haonan insisted on continuing, Feng Shaoyan even cried urgently, if this collapsed, the tens of millions of silver in Deng Haonan's hand would be lost.

Now, Deng Haonan has miraculously solved this problem, which makes Feng Shaoyan embarrassed and admires Deng Haonan more and more.

"How's it going? How much money has been reported by banks around the world? ”

Feng Shaoyan hurriedly replied: "Lord Qiqi, as of yesterday, the amount of deposits collected from various places has reached 80 million taels of silver, of which copper coins account for about three-eighths. The central bank has opened the minting of 90 million silver dollars! After filling in the gap of the copper coins, there are still 20 million silver dollars left to fill the vault! ”

The deposit of 80 million taels will be completely destroyed, and only about 46 million taels of silver will be deposited. This silver can mint more than 90 million silver dollars, which just fills the deficit caused by the previous exchange for the huàn currency, so that the currency reform will pass the most difficult hurdle and will be implemented smoothly throughout the country.

Deng Haonan took a long breath and said, "The people are really rich!" ”

Feng Shaoyan raised his eyebrows and happily agreed: "The prince doesn't know that there was not so much silver deposited in the bank at the beginning. The common people all took some copper coins and saved them in the spirit of temptation. Many ordinary people put it in the morning and take it out in the afternoon, just to see if their money has been deducted, to confirm whether the court has deceived them! ”

Deng Haonan nodded and said: "This is human nature, after all, for the first time in China's two thousand years, there is a bank, and it is a free deposit, so naturally many people will be careful!" ”

"That's what the prince said!" Feng Shaoyan said: "At the beginning, the people in the areas under the rule of the Liaodong Governor's Mansion responded positively! They have confidence in the prince, after all, they have seen Liaodong Bank before and are mentally prepared. Later, people all over the country believed it after some days of temptation. As a result, they spread the word from ten to hundred, and soon countless ordinary people ran to the bank to make deposits. Then there were the gentry and merchants who were watching, and they took out all the silver for nothing, and it was because of their silver that our mint could continue to operate! ”

It's so dangerous!

Deng Haonan thought so in his heart, and secretly said that he was lucky.

Feng Shaoyan said again at this time: "Now a large amount of silver is deposited every day, don't look at the fact that there are only 80 million taels saved now!" It will soon exceed 100 million, or even 200 million or 300 million, and the prince should consider the aftermath! ”

Aftermath?

Deng Haonan didn't understand, Feng Shaoyan said directly: "The prince asked the bank to discount a certain amount of interest to customers with large deposits, it doesn't matter if one person is alone, tens of millions of taels can be dealt with, but the silver of the dynasty is gone, and there will definitely be more and more savings in the future, and if the prince wants to maintain his credit, he has to pay them interest." The interest of hundreds of millions of taels of silver is a lot every year! ”

Deng Haonan coughed lightly, and then remembered.

As Feng Shaoyan said, when the Chinese people deposit hundreds of millions of taels of silver, the annual interest is quite a lot, and these will drag down the finances.

"It's okay!" Deng Haonan quickly came up with a way and said: "You first predict how much currency can be circulated in the market, and you can count it according to the most prosperous Suzhou and Hangzhou regions." It is then spread evenly across the country to calculate how much money is needed in the national money market to sustain it. Once the prediction is made, let the big four banks use this number as a benchmark and set aside it for minting money. Then if there is any surplus funds, they will start to issue loans, low-interest loans from the imperial court, presumably the common people will accept it, so that the interest earned must be a lot, part of it will be paid to depositors, and the rest will be paid to the treasury as the salaries of bank employees! ”

"The prince is wise!" Feng Shaoyan arched his hand and said: "I am afraid that it is not safe to rely on external loans, firstly, the lender may not be able to repay it in a short time, and secondly, once there is a bad loan, I am afraid that the bank will lose its finances!" ”

Deng Haonan thinks about it, there are more non-performing loans in later generations, and in this era, we need to be cautious.

However, Deng Haonan has a lot of experience after all, and he soon had an idea.

"That's good! Now that the whole country is recuperating, the common people do not have to pay grain and taxes, and they must have plenty of money on hand. If the country wants to develop, it must buy more factories. Encourage ordinary people who have surplus money to set up factories, and the imperial court will give policy care, and bank loans to them should be able to recover the principal and interest. At the same time, our industrial base is being transferred to Liaoshen, where a large number of state-owned factories and private factories will be opened, so that the banks will attack them! Guaranteed to make sure you don't lose money! ”

Deng Haonan was referring to the Liaoning industrial base, which is under development and construction, which produces coal and iron, is close to the Mongolian steppe, and has a well-developed animal husbandry. Many textile mills have moved there, and a modern industrial base is about to take shape.

The open-pit coal mine in Fushun is easy to mine and transported to Shandong in Zhili, and the heating in the northern winter will depend on the coal mine in Fushun in the future. At the same time, Anshan's iron and steel will become the steelmaking and ironmaking center of the Ming Empire, because relying on Fushun, coal transportation is convenient, typical of the industrial base pattern.

It will become the most important industrial base of the Ming Empire, with the support of state finances, so there is no need to worry about bankruptcy there, and banks can rest assured that they can borrow money and invest there.

Speaking of investment, Deng Haonan suddenly smiled and said: "Can banks still invest?" For example, wouldn't it be nice for a bank to take a stake in a factory and workshop and use the profits to repay the loan and interest? ”

Feng Shaoyan's heart was surging at this time, and his admiration for Deng Haonan was like a surging river, and it was like ...... Omit the N-word .......

"After listening to the words of the prince, Weichen was like an initiation, and he suddenly understood a lot of things!"

Deng Haonan felt a little embarrassed about Feng Shaoyan's admiration, after all, it was a bit difficult to come to Mongolia with the knowledge and experience of later generations.

"Can the bank still lend money to the imperial court?"

“……”

Feng Shaoyan almost didn't stand firmly on the ground, and secretly said that Deng Haonan's idea was simply incredible, but I have to say that his methods are all good methods.

When a bank lends money to the government, it looks like it is stepping backwards from its left hand to its right hand, but after thinking about it, you can discover the big truth hidden in it.

"The prince is wise!"

Feng Shaoyan didn't know what to say, a sentence of the prince's wisdom was originally flattering and polite, but now in Feng Shaoyan's opinion, Deng Haonan deserves it.

Financial reform, currency exchange, banking policy, and industrial base planning are all perfectly connected by Deng Haonan.

This reminded Feng Shaoyan of a poem "Talking and laughing in ashes", looking at Deng Haonan, Feng Shaoyan had the feeling of looking up for the first time.

All of them are being carried out in an orderly manner, and Deng Haonan's reform of the Ming Empire can be said to be drastic. However, what is admirable is that Deng Haonan's bold move did not encounter any resistance, and there were even few voices of opposition.

In all dynasties and dynasties, all those who reformed were criticized and made difficult, and finally ended up in a different place, and the ending of being wronged and dying was simply too common.

It's just that Deng Haonan's reform is so smooth, even many people who have different opinions and political views with Deng Haonan have to admire Deng Haonan for taking shit luck.

Is it really shit luck?

Of course not!

King Xin, who was far away in Lanzhou, looked at various reports about Deng Haonan in the study every day, and from the time he first walked into King Xin's ears and eyes, Deng Haonan was listed as the number one rival by King Xin.

Without him, King Xin and Deng Haonan are both young people with great ambitions. The difference is that from the very beginning, the two of them have embarked on opposite paths.

Since Deng Haonan sabotaged King Xin's plan, King Xin has always been ready to seek revenge on Deng Haonan. However, Deng Haonan's development and growth speed was too fast, and King Xin couldn't catch up.

Interestingly, Deng Haonan's sworn friend Four Dogs was renamed Wang Chengen by several princesses of Deng Haonan. In the Xinwang Mansion, there is also a person named Wang Chengen, but the biggest difference between the two is that the latter is just a eunuch.

When night falls, it's time to hold the lights.

The lights are still on in the study of Zhu Youzhen, the king of letters.

"Lord Wang!"

Wang Chengen gently pushed the door in, and Zhu Youzhen raised his head and asked, "Has the silver been exchanged for huàn?" ”

"It's all redeemed!" Wang Chengen said: "According to your request, the slave maid found more than a dozen groups of people and cashed them in batches!" ”

Zhu Youzhen nodded, very satisfied.

It turned out that Wang Chengen went to redeem huàn silver, but why did he find more than a dozen groups of people to redeem huàn in batches?

Wang Chengen didn't understand, but he was smart and wouldn't ask Zhu Youzhen, for fear that Zhu Youzhen would be angry.

Sure enough, Zhu Youzhen smiled and said, "You must want to know why this king made you go so hard to exchange huàn silver!" ”

Wang Chengen nodded, since Zhu Youzhen asked like this, he was ready to sue him.

"This king doesn't want to give the king of Liao any excuse!"

Wang Chengen asked in surprise: "Why did the prince say this?" Could it be that the king of Liao wants to be unfavorable to the prince? ”

Zhu Youzhen nodded, shook his head again, and sighed: "The current King of Liao has become the de facto supreme ruler of the Ming Dynasty. This king can't understand why no one from the imperial sister-in-law to the civil and military officials has come out to oppose it? ”

Wang Chengen followed Zhu Youzhen's meaning and said word by word: "Presumably this is the genius of King Liao!" The King of Liao did nothing to leave people with a handle, even if the first emperor was there, he had no excuse to deal with him. Now that the King of Liao has his own army and is holding the Son of Heaven in the capital to order the princes, who would dare to oppose him again? ”

Zhu Youzhen clenched his fists, a trace of hatred appeared between his eyebrows, and asked, "Do you think he will rebel?" ”

"Slaves don't know!"

Zhu Youzhen looked at Wang Chengen and said with a smile: "This king can't wait for him to rebel!" As long as he rebels, those loyal to the Ming Dynasty will see his true colors! ”

Zhu Youzhen doesn't have any bargaining chips to oppose Deng Haonan now, the fief is in Lanzhou, and the poor have no money. Without money, there is no army, no helpers. Otherwise, he wouldn't have had to go to the city in person to resist the Qiang invasion a few months ago. It was purely for show, for the officials and ordinary people of Lanzhou Wei.

If it weren't for Deng Haonan disrupting his overall plan, the current Zhu Youzhen would have been enthroned as Emperor Chongzhen. The emperor's dream was shattered all of a sudden, and he was reduced to a land of poor mountains and rivers to be the prince, and he was very unwilling.

"Is there any news from King Fu?"

Wang Chengen shook his head and said, "King Fu is so scared that the people sent by the slaves and maids only brought back 50,000 taels of silver!" ”

Zhu Youzhen was immediately angry, and said angrily: "Send this king 50,000 taels of silver, he should be called Huazi!" This Fu Wang is greedy for life and afraid of death, and it seems that he doesn't dare to stand up against Deng Haonan! ”

Wang Chengen sighed: "The King of Chu has just been asked to behead his family, and King Fu is obviously afraid!" ”

remembered that the king of Chu was impeached by Lai Youguang and ended up beheaded, and the king of Xin was angry.

"Deng Haonan dared to kill the royal family, it looks like he will soon attack other vassal kings!"

Wang Chengen echoed: "King Fu only wants to protect himself, and he doesn't know that he has long been targeted by Deng Haonan, and he will be the next to be slaughtered, but he can't be unaware?" ”

Shin Wang rubbed his temples and looked like he had a headache.

"It's a pity that King Fu has so much money and a net worth of tens of millions of taels of silver, if he can give it to this king, this king is enough to buy off the officials of the northwest provinces and pull up a team to fight against Deng Haonan!" V