Qianzhuang is a kind of financial organization that emerged in the late period of feudal society in China. Initially, the business was mainly currency exchange, but gradually increased to deposit, loan and exchange operations.

By the end of the Ming Dynasty, the money bank has become an independent financial organization, not only operating exchange, but also lending, providing the convenience of issuing posts and withdrawals, and the original exchange of bills in the two places has also become a credit circulation tool for the money bank to issue banknotes. In addition, a number of small-scale money exchange shops and money and rice shops are quite active in rural areas. With the development of Qianzhuang and the increase in the number of families, guild organizations of Qianzhuang appeared in various places in the Qing Dynasty.

Su Langqing is no stranger to Nanyang merchants, money banks or silver numbers.

"My lord wants to open a bank." Su Langqing was taken aback.

Silver number, mainly lending.

The west number is mainly used for exchange and storage of official funds.

"Five heads" or "six heads" are mainly dumped silver ingots in the furnace, which is equivalent to a silver furnace, which is several types of money houses.

Su Langqing looked at Liu Yu,

He originally thought that Liu Yu would blackmail Chinese businessmen again in the form of credit, but he didn't expect that the method given by Liu Yu would be to open a bank.

Ordinary people can't open a money bank without strong financial resources and background, but if it is the Luzon Ming Court.

"Minghai Qianzhuang, it's hard to do it." Su Langqing's eyes lit up.

"Sihai is not short of money, it just so happens that the Ming Court is also short of money, and it happens to open a money bank in the name of the Ming Court." Liu Yu said with a smile.

"The Luzon merchants hid silver taels in their homes, cellars, all day long. Cheng Tian is suspicious and suspicious for fear that the red-haired ghost will come back and rob your silver, so it happens that the Ming court will open a money bank, let the merchants store all the money in the money bank, and see who dares to hit the Ming court with their ideas. Liu Yu smiled and looked at Su Langqing.

"Of course, not only businessmen, but also thousands of people in the Ming army, up to the general soldiers, town generals down to squad leaders, soldiers, tens of thousands of taels of silver in a month, you can't eat them all, most of the Han children don't even have a mother-in-law, what can you do with a few taels of silver a month, eat the food of the court, sleep in the house of the court, one person eats enough for the whole family and is not hungry, just tens of thousands of taels of silver in a month are saved in the money bank, and then returned to them when they have saved enough, just save them money to marry a mother-in-law."

Of course, all this still has to be done voluntarily by the officers and soldiers of the Ming Dynasty, like those veteran bastards who can get by, and they can do it day by day, and Liu Yu does not interfere.

As long as they are willing to fight, the rest will be with them.

However, those recruits from the mainland, Liu Yu still served dim sum.

Open a money bank to save some silver taels for these men, and in the future, you will have a capital to marry a mother-in-law in Luzon to buy a piece of land, and you can't sell your life to Ming Court for half a lifetime with your head, and in the end there is nothing.

"My lord, I want to encourage the officials of the Ming court and the merchants and the common people to save their money in the bank." Su Langqing gasped.

The whole of Luzon, merchants, common people, sailors, officials, and so on hundreds of thousands.

Let's not talk about officials, let's talk about businessmen from all over the world, which Chinese businessman doesn't have a tens of thousands of taels of silver hidden at home.

The silver was usually hidden in secret manors and cellars, and was only used for big business and when going to sea to buy and sell.

At the end of the Ming Dynasty, China was already in the embryonic stage of capitalism.

For example, the rise of Jin merchants and Hui merchants shows that the private commercial activities of the Ming Dynasty were very active.

On the coast of the south of the Yangtze River, various forces are intertwined, and when merchant ships and cargo ships go to purchase goods, they not only need to bring a large amount of silver taels to purchase, but also need to bring a large number of sailors to protect merchant ships from piracy.

Don't talk about the mainland of this period, let's talk about Luzon.

Nanyang trade generally talks about handing over money with one hand and delivering goods with the other.

You take a boatload of porcelain to the South Seas, and the Spaniards will naturally exchange silver dollars with you.

You have to buy spices, cotton cloth, etc., and naturally you have to stock up on merchant ships.

Every year from the Ming Dynasty to the South Seas, the goods and money in circulation are conservatively estimated to be more than tens of millions of taels, such a huge amount of money, I don't know how many pirates are staring.

This is also the reason why pirates have always been alive and well, and they have never been able to be eradicated.

In order to avoid pirate raids off the coast of Luzon, the various chambers of commerce in Luzon kept a mercenary.

Thousands of mercenaries of the Arab and other ethnic groups who originally belonged to Laoag were armed by the owners of the Nanyang merchant ships to avoid pirate raids.

And it backfired, you paid sailors to work for you, and when these mercenaries saw the white money, they turned around and cut you down, and there was no credibility at all.

Isn't that what the Arab mercenaries of Laoag, Vigan are.

If the merchants did not hide the silver taels in their homes, but kept them in the bank, and Ming Hai opened money houses in Vigan, Laoag, Ming City, and even various island strongholds on the sea trade route, which could be exchanged for silver taels by merchants at any time.

On the route from Nanyang to Luzon Mingting, there were pirates everywhere, and if the Ming court could set up a money bank between the Ming Dynasty and Nanyang that could be withdrawn at any time, the profit would be amazing.

Su Langqing naturally thought clearly.

"The Ming Court and the Ming Sea jointly set up the Ming Sea Money Village, so that the merchants, officials and sailors and even the common people could deposit the silver into the money bank, and then set up money houses in various towns and cities and islands through which the waterway must pass, which not only avoided the inconvenience of the merchants to carry cash, but also charged a certain fee, and also solved the embarrassment of the Ming Court and the Ming Sea lack of money." Liu Yu smiled and looked at Su Langqing.

"This, good is good, if we open a money bank between Nanyang and Luzon, for every hundred taels of silver, we will charge a handling fee of one tael, and we will earn tens of thousands of taels of silver for one million taels of silver." Su Langqing nodded.

The most important thing is that many Chinese merchants and officials in Luzon have cash hidden in their homes, but these are all genuine silver, silver yuan, and they are basically put in the cellar on weekdays to get moldy, so it is better to encourage the merchants to put them in the bank.

"Minghai is the first of the four seas, although Minghai is doing business with the Ming army, and the trade is far inferior to the other three seas, but among the four seas, Minghai is the most important, Minghai not only wants to open a money village, I also want Minghai to form an armed merchant fleet." Liu Yu said indifferently.

"What, form an armed merchant fleet." Su Langqing hadn't recovered from the matter of Qian Zhuang yet, and Liu Yu gave another big gift.

"My lord, this is not easy, is it? Ming Hai is just a businessman who independently unites to do business with the Ming army, where is the need to prepare warships. Su Langqing's hairs were already standing on end at this moment.

He didn't even know why Liu Yu said that.

You must know that even the Spaniards did not let the Chinese merchants in Luzon prepare artillery on the ships at the beginning, for fear that the Chinese merchants would rebel, and the Qing court even limited you on how big the ships to go to sea and how much rations you could give a day.

On the other hand, on the side of the Ming Court in Luzon, Liu Yu actually wanted to prepare an armed merchant fleet for Ming Hai.

"The sea off Luzon is not very peaceful, and you have lost more than a dozen ships in just this month, and it is also the negligence of the Ming army that failed to protect the merchant ships in the four seas."

"This is also at the door of the Ming court, and will come to Annam, to Batavia, to Manila, to the East Indies, will the ships of the four seas be harmless to people and animals to be plundered by pirates in vain?" Liu Yu sneered.

"I'm not at ease with the other three seas, but I'm at ease with Minghai." Liu Yu said.