"Grandpa Guo, do you want to take out a loan to produce and sell cinchona? Say, how much do you want to borrow? ”

In the VIP room of the Nanjing headquarters of the Daming Central Bank, Yang Mingshen, vice president of the right attendant of the household department, looked at Xu Wenjue, the Duke of Wei, who was a little cramped, with a smile.

"10 million silver dollars, you don't know that this thing has to use a lot of Western glass, and it has to be good glass, and you have to use Westerners who can make glass bottles of different shapes and specifications, and even have to use many Westerners who can do experiments, I plan to spend a sum of money first, and if I can't go to Macau, I will send people to the West to hire more people, first set up the shelves, and then I have to contact the major pharmacies, and I have to go to Yunnan to purchase cinchona bark, preliminary estimates, this will cost 10 million silver dollars in the early stage, this is Your Majesty's care, do you think you can take out a loan? ”

If His Majesty didn't value this, Xu Wenjue wouldn't want to spend so much effort, he was afraid that Yang Mingshen would not agree, or the loan interest rate would be too high, so he couldn't help but smile bitterly.

"Machinery manufacturing, drug development, and water conservancy engineering construction all belong to the Ministry of Households, and His Majesty personally approved the first key support industry, and charge you one cent of interest a year, that is, one hundred silver dollars for every 10,000 silver dollars of each loan per year, and you need to repay 100,000 silver dollars of interest every year, you may accept it?"

Yang Mingshen, the deputy head of the right servant of the household department, asked Xu Wenjue, the Duke of Wei.

"So low! The three-point monthly interest rate of the people is already very low, and your annual interest is only one cent, isn't it equivalent to giving it away for nothing", Xu Wenjue, the Duke of Wei, stood up in surprise and looked at Yang Mingshen incredulously.

"That's right, it's for free!"

Yang Mingshen replied with a smile, and instructed his subordinates: "Take the grandfather of the country to pay the silver coin, and in the future, if it is less than one million silver dollars, it will be specially approved and handled without going through this official."

"Zheng Zongbing, you want to borrow 20 million, no problem!"

"Guo Yuanwai, you want to borrow three million, no problem, I'll arrange for someone to take you to a silver coin!"

"Elder He Ge, if you want to borrow two million to repair the garden, it's no problem!"

As soon as the Ministry of Household and the Central Bank of Daming issued a notice of low-interest loans, countless dignitaries and nobles came to Yang Mingshen for loans, especially when they learned that the annual interest rate of loans in some industries was only one cent, and there were many merchants who had ideas about the manufacturing industry and were eager to do so.

Originally, many merchants suffered a lot of losses because of the payment of taxes, but now the low-interest mortgages of the imperial court have undoubtedly promoted their enthusiasm for loans to expand production scale and increase profits.

Yang Mingshen has undoubtedly become the most popular person in Nanjing City now, and is even directly called the God of Wealth, for no other reason, whoever takes advantage of Yang Mingshen's relationship can easily get a loan from the Central Bank of Daming, and he, the vice president, can be said to be throwing money everywhere.

……

Not only large loans, but also small loans have begun to spring up in the Ming economy and society.

Under the guidance of the government, the Guangming Daily, and the word of mouth of passers-by, more and more small merchants, traders and ordinary people came to the Daming Central Bank to take loans, and even in order to promote the people to borrow, the Daming Central Bank directly announced that if the total amount of the loan is less than 1,000 silver dollars, if the principal can be repaid within three months, the interest can be directly exempted.

All in all, now the central bank of the Ming Dynasty is to put the more than 90 million silver dollars on the market with the lowest interest, and even almost free of charge to the hands of the people, so that they can use it.

"There is such a good thing in this world, as long as the net worth is innocent, there is a household registration, and the three of them are guaranteed, they can easily borrow 1,000 silver dollars, or even exempt interest for three months, isn't this equivalent to taking money from the government for nothing to spend?

For a while, the teahouses and restaurants in Nanjing City talked about this matter, and the horse dealer who had traveled south and north asked in surprise at this time.

"It can be seen that today's Emperor Ming is a real good emperor, I have a relative in the north who is a carpenter, trying his best to escape to the south, penniless, originally couldn't even eat, this is not to ask us to help borrow three hundred silver dollars from the government bank, and now it is only less than two months to buy a house and open a furniture shop, and the principal has been repaid, without paying a penny more!"

A cloth seller with melon seeds and a watermelon hat said.

The horse dealer couldn't help but show excitement on his face: "Even so, I also want to borrow four or five thousand silver dollars to buy another batch of horses outside the border, this north and south will not be a country in the future, the price of horses will definitely rise, I will make more money!" ”

In the second half of the eighteenth year of Chongzhen, the streets and alleys were all about such news, extending from Nanjing to the surrounding prefectures and counties, then Hangzhou, Suzhou, Ningbo and other prefectures, and then the entire Jiangnan and even Jiangxi, Huguang, Guangzhou, Yunnan and Guizhou, and even Sichuan and the Qing court's ruling areas were discussing the government's low-interest loans.

In the blink of an eye, it has come to the golden autumn of October, and Wang Jiaqin, the deputy governor of the central bank, who was at a loss because of the more than 90 million silver dollars in the central bank's treasury, is no longer worried about this matter, and almost all the more than 90 million silver dollars have been put out, and the central bank's Baoquan Bureau can still continue to recycle and print silver coins in a steady stream, and began to gradually reduce the precious metal composition of coins through revision, according to the improvement of the process, but the level of anti-rust and anti-piracy has begun to gradually improve.

In any case, because after putting more than 90 million taxes and silver collected from the hands of the gentry and other privileged strata into the market, the entire commodity economy market of the Ming Dynasty became more active than before.

Large-scale construction projects began throughout the city of Nanjing and even the entire Jiangnan region, with much more houses being built, workshops expanded, and large quantities of goods purchased in large quantities than before.

After the increase in the amount of money, the output of cash crops such as silk tea and food crops such as rice and wheat began to increase dramatically, and people became busier than before, busy creating more wealth, and the empire, which was only superficially prosperous, began to truly flourish.

Because at this time, the Ming Empire was no longer the singing and dancing of scholars and doctors, but the entire people of the Ming Dynasty were actively participating in the creation of wealth.

Xu Wenjue, the Duke of Wei, began to personally go to Macao with huge sums of money to purchase glass products and look for Westerners who could make glass.

Zheng Zhilong, because his family enjoyed the privilege of foreign trade tax exemption, began to buy vegetable leaves, silk and even porcelain on a large scale, and even directly contracted millions of acres of tea land and hundreds of thousands of tea farmers in the Wuyi Mountains of Fujian Province at a high price, promising that these tea farmers could only sell tea to the shops designated by the Zheng family, and they Zheng bought them at a price higher than the market price of one centimeter and one stone, and even helped them bear the tea tax.

Yang Mingshen himself and the Yang family also began to recruit a large number of craftsmen for silk thread weaving, and even began to establish a textile company in accordance with the suggestion of Emperor Zhu Youzhen of Chongzhen, to improve the salary level of mechanics in the same industry and implement the labor contract system, stipulate working hours and implement an overtime system, and set up a special textile machine research and development institution.

Yang Mingshen's play directly attracted a large number of folk women to his textile company's silk reeling factory, forcing other silk merchants to also improve the treatment of mechanics in order to compete for more human resources.

In this era, there was no mechanized production, only to compete for more people and make more looms to increase output, so for a while there was a shortage of labor and looms, and some carpenters even began to only make looms to meet market demand.

(End of chapter)