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The plan for Ming Dynasty immigration, at least for now, is still somewhat controllable. From the beginning of the source of immigration, Yan Xiaosong adopted the policy of sub-region and multi-point collection of displaced people, so as to prevent regional concentration of migration and local clan forces that would not be able to defeat as soon as they came.

Then, through the random selection of domestic housing allocation, the Ming Dynasty immigrants were disrupted and filled in various towns or sub-districts, which was the only way that the Ministry of Immigration and the Ministry of Civil Affairs could think of. The ultimate goal is to hope that these Ming immigrants will not resist this country and related policies that are destined to expand the population of foreign immigrants by being born in a grouping way.

It has been a full two months since the first batch of Ming immigrants officially set foot on the mainland. In addition to being cautious and cautious, after a series of restraints and curiosities, the immigrants of the Ming Dynasty were quite decent, and the big life of the neighboring European immigrants did not create any unimaginable sparks.

But it wasn't long before the Treasury Department discovered a headache. According to the November domestic consumer market report released by the domestic market research team in mid-December, the domestic consumption of various livelihood commodities increased by less than 20% despite the increase in the population by several thousand.

Such a strange figure exposes an obvious problem, that is, the traditional consumption habits of immigrants in the Ming Dynasty did not revitalize the domestic consumer market, which had a small base. After having had enough of the hard days of having a meal without a meal, some extremely conservative consumption habits are even more stubborn than those of European immigrants at the beginning.

In addition to the housing allocation, which is in the nature of loans, the Ministry of Civil Affairs has issued a total of more than $80,000 in resettlement fees. But after a full month, almost the vast majority of Ming immigrants retained the vast majority of the resettlement fees with unusual frugality.

According to the normal domestic price level, except for fish and whale meat, which are cheap goods that can be eaten openly, it is always okay to eat expensive rice, white flour, and fruits once every three days, right? It's been a month, it's always okay to buy a dress for your family, right? An average of $5 to $10 per person a month is a normal standard of living, so there's no need to be so picky, right?

In fact, most Ming immigrant families simply chose a lifestyle that would allow them to stay full. Potatoes, corn and a very small amount of white flour rice make up their daily diet. As for spending on clothes and other things, it should be something that I only think about during the Chinese New Year every year. Today's life, for them. It already belongs to the unimaginable good life.

The frugality of immigrants in the Ming Dynasty seemed to make the food security problem that had long been pressing on the minds of the people seem unfounded, and it also made the members of Congress and government ministers who regarded themselves saviors have no sense of superiority at all. Think about it further. Perhaps most of the monthly wages paid by the enterprises were pressed under the pillows of the beds by the immigrants of the Ming Dynasty.

The harm of not circulating money is obvious, not only will it hit commodity production and currency circulation, but the United States of America of China will not be able to maintain a large number of piggy banks, not to mention that these piggy banks are still increasing at a rate of 4,000 per year.

In desperation, the Ministry of Finance and the Ministry of Civil Affairs deliberately notified all major state-owned or private enterprises before the "three festivals of the end of the year (the Winter Solstice Festival of the lunar calendar, Christmas in the Gregorian calendar, and the New Year's Day in the Gregorian calendar)", and persuaded them to try not to find money, but to exchange vouchers from the Ministry of Civil Affairs and distribute them to all workers. Finally, the Ministry of Civil Affairs will settle with the market seller.

Expired vouchers can force all citizens to consume compulsorily, but only a few times a year, and if the largest national salary income is not revitalized, the country's economic structure will become more and more deformed.

The establishment of commercial banks seems to be imminent, since saving money has become a habit. At the very least, it is better to guide the people to deposit their money in commercial banks, and then circulate it through the daily business of commercial banks. On the one hand, we can revitalize national deposits, on the other hand, we can increase industrial and commercial support, encourage personal consumption and the private economy through commercial loans, and we can also limit the functions of the central bank to the level of macroeconomic regulation and control.

In fact, the idea of establishing a commercial bank was put forward by Shi Wenbo and Liu Xin long before the founding of the People's Republic of China. After the founding of the People's Republic of China, Qian Weichang, governor of the central bank, also made it clear that he supported it. However, with regard to bank capital, which is easily associated with things, most of the congressmen who once came from the bottom of the society resist it in their bones, and in their eyes, this is equivalent to allowing some people to continue to accumulate wealth, and once it is uncontrollable, the internal contradictions and turmoil caused are unimaginable.

In this way, the Joint Bank Fund (UnionPay Fund) was introduced, and its original intention was to form a public fund that belongs to all the people who travel through wealth management and investment. Then use this public fund to cooperate with private capital, establish more private funds, and then a variety of private funds to invest in a number of commercial banks, ultimatum guò commercial banks to invest in all corners of the country's industry and people's livelihood.

Its biggest benefit, in addition to revitalizing social wealth, is that it can quietly cover up the real top investors behind the scenes, and it also belongs to the top of the food chain where everyone eats meat.

The obscure "Financial Management Law" that was born with it was purely to protect this banking and financial system, and the power of financial supervision fell on the Financial Supervision Commission, which is subordinate to the National Assembly.

The members of both houses of Congress had no opinion, and agreed to establish a UnionPay fund in early 1623, in which the central bank would hold 30% of the shares reserved for $1.5 million for the privatization of state-owned enterprises, and the remaining $3.5 million would be shared equally by all the people, and the shares would be prohibited from being transferred and sold for 50 years.

The last filthy Parliament at the end of 1622 finally ended on December 24, Christmas Eve, and unlike the usual quarrels over various issues, everyone was happy this time. As for how the banking and financial industry will revise and adjust the supervision in the future, it seems that it is no longer important, because the deepest roots have been planted, and no matter how future generations toss, they will not be able to change the pattern of binding each other's interests.

December 25th, Christmas.

On this day, there was a small sensation in the southern district of Manchester City: the Carrefour supermarket of the little nurse Xia Qiuyu closed down!

Relatively conservative market consumption mentality. The average daily turnover has never exceeded $50, and the daily costs, including employee salaries, consumable food goods, and shop rentals, are close to the turnover.

What's more, even with on-site supervision from employees, petty theft often happens, and it's a month to take stock. Tens to tens of dollars worth of goods are always found missing.

Helpless and annoyed, Xia Qiuyu announced the closure of Carrefour Supermarket after soliciting the opinions of Guanyun, the owner of the Phantom Bar, the owner of the largest shareholder, and Ouyang Ling, the owner of Yipinspoon.

Most of the local goods were entrusted to COSCO International Trading Company, which was owned by his friend Ren Changle, to sell them to Europe. Goods and food goods imported from Europe could only be cleared up a week in advance.

It closed down after only half a year of operation, and the combined losses of several shareholders of Carrefour exceeded 5,000 US dollars, and the high hopes came from the comfort of her boyfriend Zhu Xiaoli. disappeared because the other party had inexplicably gone out to perform some military affairs since September, so that Xia Qiuyu, who invested in industry for the first time, cried in Ouyang Ling's arms for a Christmas Eve.

A few happy and a few sad, at the same time as the Carrefour supermarket "closed", just across the street, "Qiuyun soybean milk" will be listed for business from today.

This is a fast-food restaurant founded by Guanyun, the owner of the Phantom Bar, which serves breakfast or Chinese food for workers in the nearby industrial area, and sells a variety of convenient and inexpensive fast food.

In order to appease Xia Qiuyu's fragile heart, Xia Qiuyu also took some shares in it, and the name of the store was even more direct, putting the word autumn in the first place. The cloud word for viewing clouds is placed in the second place.

This has to be said to be where Guanyun is more cunning and sophisticated, he has long observed the problems of various factories in the industrial zone of Changdao New Area.

Most of these factories provide a lunch to encourage their employees to "work hard", but this inevitably makes it very cumbersome for each factory to set up its own restaurant and kitchen, which is extremely difficult to manage. Management costs go far beyond the consumption of ingredients.

Guanyun took the opportunity to walk around, and first knocked on the three major companies with the largest number of employees, General Industry, North Industry and Beiyang Shipbuilding. Immediately cancel their own internal restaurant, and give the employees' lunch to Guanyun's "Qiuyun soybean milk".

This is a lunch business with more than 1,000 people. No wonder on the eve of the collapse of Carrefour, Guanyun patted Xia Qiuyu's hand on the back of his hand and told the other party seriously, "We will come back".

Even though soybeans (soybeans) brought from the Ming Dynasty had not yet been cultivated in North America, and Europe did not introduce soybeans from the Far East until the 18th century, these did not prevent the "Qiuyun Soybean Milk" store from starting to sell dog meat on sheep's heads.

Not only did a large number of Chinese residents of the Ming Dynasty feel cordial and came to cheer, but even the European residents who didn't understand anything about soy milk also came to join in the fun with a sense of freshness.

The Chinese chefs hired in the Ming Dynasty have good skills, such as steamed buns, noodles, corn nests, and bread from European chefs. The key is that it is cheap, affordable, and sufficient, not much more expensive than the cost of cooking at home, and you can eat it immediately after sitting down and ordering, which is convenient and fast!

On Christmas Day, one of the most lively stores in the Changdao New District is estimated to be "Qiuyun Soybean Milk", with a turnover of more than $100 in just half a day, although it does not seem to have much future compared to Carrefour before it closed. But once the accounts are calculated, the net profit in this is as high as 20%, not counting the lunch lump sum operation of several major factories in the industrial zone, and the net profit of nearly 8,000 US dollars after a year of retail! And its start-up cost is much less than that of Carrefour supermarket.

After all, Xia Qiuyu, who successfully invested and withstood a heavy economic blow, had to look at the first place in the name and put his mind on the operation of Qiuyun soybean milk shop.

In the eyes of Chinese immigrants in the Ming Dynasty, Taixi's festival is an inexplicable bustle, and today is the weekend, and the Chinese residents also join in the excitement to play on the streets, watching those "Fanyi" happily bless each other on the street.

The European residents who have a more aggressive style of life, no matter who the other party is at this time, always "Merry Christmas" when they meet, and the Chinese residents of the Ming Dynasty who received the blessings are also embarrassed to return the gift.

From the perspective of the Diet and the government, such harmony does not necessarily mean that there is peace and quietness, and the search for a unified national style of life and ideas that transcends differences in culture and belief has always been a matter for some young people who consider themselves to be cultural elites.

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