Chapter 751: Sheep Shearing

"Grandpa Gao saw that this Liaodong matter, the military was in a hurry, and the people were slow, which can be said to complement each other. The former gathers the hearts of the generals and does not damage the combat strength of the army, while the latter does not harm the interests of the people and focuses on future development. It can be described as a strategic position, which can be the gist of military and political affairs in various places in the future. Chen Zilong summed up his experience, but he didn't know that things were still a little different from what he thought.

The wool still has to be sheared, and this action has been started, but Chen Zilong doesn't know it.

Waving his hand to show his humility, Chen Xie glanced at Chen Ping, who was standing respectfully, and asked with a smile: "It's been a few days since the Mint Bureau, how do you feel?" This is just a casual question, I didn't expect Chen Ping to answer the ugly one. I never thought that Chen Ping was taking an examination school, so he pondered quite cautiously, sorted out everything in his mind, and the more he thought about it, the more he felt that this topic was a little bigger, and he didn't know what to say for a while, so he was stunned.

Chen Xie was surprised when he saw this, and Li Xiang on the side wanted to open his mouth to remind Chen Ping, but was stopped by his eyes. The room suddenly fell silent, and Chen Ping, who was surrounded by everyone, suddenly woke up from his thoughts, looked at the gentle smile of his father opposite, and felt a lot less nervous in his heart.

"Father, there are so many things that I don't know where to start." Chen Ping finally replied, it sounded like he was at a loss, but he actually felt it. A Ming man's understanding of finance determines that even if he has a high talent, it is difficult to straighten out the various complex relationships here. In fact, Chen Xie is a layman, and his knowledge of finance is all made up, and he has reached a high level by relying on his strong learning ability after opening the hanging. Of course, this higher is for this era.

"It's okay, let's talk about it." Chen Xie became interested. In front of himself, this son fell into deep thought, which can be distracted, it can be seen that he must have thought of a lot of things, and he fell into it directly.

Chen Ping said: "Obey my father's orders!" Then he paused, and then said with a little hesitation: "I have seen the minting records of the last few years. Every year, it is maintaining a steady growth trend. If you look closely, you can see that in the last five years, for example, the total amount of coinage was 18,000,000,000 silver yuan in the first year, 23,000,000,000 in the second, 30,000,000 in the third year, 36,000,000 last year, and 50,000,000 this year. At first, the son judged that the amount of coinage was related to the silver stockpile, but only found out after careful observation. Only 40% of the total number of silver coins invested in the Ming Dynasty is issued each year, and the remaining 60% is put into overseas markets. After a closer look, it is not difficult to find that the only currency in legal circulation in the overseas territories of the Ming Dynasty is the coins issued by the Dafa Bank. This son has never been very clear, is there any inevitable connection here? If it is said that the amount of money issued is related to the deposit of silver, then it makes no sense. The silver that flows into the Ming Dynasty every year is more than 50 million taels? ”

Speaking of which. Chen Ping couldn't go on, he really couldn't understand the relationship. Chen Xie's face was no longer dignified, this son is not simple, he can think about these problems together. At the beginning, in order to understand some knowledge of finance, he relied on his open head to memorize the history of financial development. There is also a huge amount of financial knowledge. Then slowly comprehend it in reality, and only then can it be regarded as understanding a little.

Because of some special reasons, Chen Xie did not dare to spread the knowledge of finance to Daming. What I'm afraid of is that the emperor will open his mind and print his own currency. The Emperor of the Zhu family had nothing to say about in this regard. The treasure money was scrapped by them. After the influx of silver, silver became the actual currency of the Ming Dynasty. Chen Xie made a silver coin, which seemed to be unchanged in essence, but in fact it was a means to hide from the world. The currency issued by the bank, one silver dollar is used as one tael of silver, but in fact, only one silver dollar is only about seven coins of silver. There is no actual weight, but it can be used as a tael of silver, relying on a strong credit foundation. Let's put it this way, the minting of silver coins alone can bring great benefits to Chen Xie every year. After silver coins became the currency in circulation, a credit base was established, and copper coins began to be issued. After years of hard work, the current monetary system was finally established, with three currencies of gold, silver and copper, and the currency circulating in the market, 1 gold = 10 silver, 1 silver = 10 jiao copper coins. Copper coins are divided into five jiao, two jiao, and one jiao. The purchasing power of money in these years is very strong, but with the large inflow of silver, more money will naturally lead to inflation. What Chen Xie did was to unify the chaotic silver quality of the people, control inflation, and serve his own interests. As Chen Xie's tentacles extended overseas, the financial industry naturally followed. Because of the absolute military and trade superiority, Chen Xie forcibly stipulated that the only settlement currency in overseas was the Chinese dollar issued by him. Even if you bring in tons of silver and gold, you can't use them directly when you get there, you have to go to the bank and exchange them into currency before you can buy something in the market. If a businessman violates this rule, the first warning, the second fine, and the third time again, then you are miserable. The lighter ones are bankrupt, and the worst ones are imprisoned.

Chen Xie can do these methods overseas, but in Daming, only Liaodong and Dayuan do this. Jiangnan, which has been operating for many years, has not been able to achieve monetary unification, and only within the scope of Huating New District can this set be implemented. However, now the merchants of the Ming Dynasty are also willing to use Chen Xie's currency, the reason is very simple, one is convenient, whether it is the banking system or settlement, it is much more convenient than the previous silver. Folk silver and coins are very inconvenient to use because of their different fineness.

Therefore, it is true that Huayuan has become the mainstream currency of the Ming Dynasty, but in a country as big as the Ming Dynasty, it is impossible for the people to put an end to the circulation of other currencies, and Chen Xie does not have the ability. Overall, the traditional silver is gradually withdrawing from the money market and replaced by the more convenient Chinese dollar. The biggest credit for this is, of course, the bank.

Chen Xie smiled with satisfaction, and Chen Ping's appearance far exceeded his expectations. It is not easy for a young man who has not been educated in the financial system and has only spent time in a local branch to be able to see the problem in the amount of money issued. "If there's anything else you find, you can go on." Chen Xie encouraged, Chen Ping became nervous, and the next thing he wanted to say was a half-claw of random thoughts, as well as some personal experiences in working in a bank.

"In the past, when I was in the Jinan branch, I realized that the most important point of the bank is to connect the world. This function brings great convenience to merchants. The other is the daily expenses of ordinary people, no longer nerve-wracking because of all kinds of miscellaneous money, and it also saves a bargaining for money. The bank is good and bad for Daming! When Chen Ping said this, Chen Xie suddenly smiled and asked, "What's the harm?" Chen Ping bowed slightly respectfully and said, "A harm, Qian Zhuang also." ”

Chen Xie laughed when he heard it, this is the truth. Daming's money bank has been run on by the bank too much. If it were an ordinary person, it is estimated that this bank would have been smashed a long time ago. The bank opened by Chen Xie does not have the risk of zài at all. Of course, Chen Xie's banks are mainly concentrated in the provinces of Zhili, Shandong, Jiangnan, Jiangbei, Henan, Fujian, and Shanxi, and banks in other provinces are at most open in the provincial capitals. The reason for this situation is that the local forces are strong and Chen Xie is unwilling to cooperate with the local forces. Now it's not what it used to be, if you don't cooperate in the past, this bank can't be opened, and now even if you don't cooperate, it can slowly extend to every corner of Daming, and it's just a matter of time.

Chen Xie is no longer willing to spend too much energy within Daming, so let the bank itself slowly devour.

"Go and call Zheng Hao!" Chen Xie explained to Li Xiang, and after a while, Li Xiang led a man in his early forties in. This person has an ordinary appearance, and the new version of clothing that is common in Liaodong nowadays, when he saw Chen Xie and others, he saluted respectfully, and after seeing them one by one, he said to Chen Xie: "What does Grandpa command." Chen Xie pointed at Chen Ping and said: "Over there at the stock exchange, you take Chen Ping with you, you don't have to deliberately teach him anything, just let him follow." ”

Zheng Hao was one of the orphans adopted by Chen Xie in the early days, and he was one of the first people in charge of the Huating New District Stock Exchange when he opened for ten years in the banking industry. The current Zheng Hao is the general manager of the Daming Liaodong Stock Exchange, and up to now, Chen Xie has only three stock exchanges under his name, which are in Xinghai City, Huating New District, and Liaodong. Liaodong Stock Exchange opened in the first year of Jianxin.

In today's stock exchange, there is no such thing as stocks, only "hedging futures" trading. Look at this term, you can see how cheating Chen Xie is. The rules of the stock exchange are naturally copied from some mature rules of modern times. Its primitive hedging effect, under the guidance of some conscious guidance, was quickly ignored by the merchants of the Ming Dynasty, and a huge space for speculation was discovered. It can be said that there are smart people everywhere, or people who think they are smart. Whether it's futures or stocks, the people who really make money are very few. But people are so weird, I always feel that there is no shortage of people in the world who are stupider than themselves. I always feel that I have a chance to be the next lucky one, so I ignore the huge risks involved.

Let's put it this way, the rules of the game were set by Chen Xie, and when he made the rules, he would definitely look fair, but in fact it was beneficial to him. Especially in the field of speculation, which is a new thing and extremely dangerous. At the beginning, you can put on a face of serving the people wholeheartedly, but when you reach a certain level, it is natural to clean up those speculators and shear the sheep by the way. (To be continued......)