"It's not a silver building, it's a bank!" Zhu Han explained this new concept, "This bank can issue gold and silver coins, as well as Daming banknotes, and in the future, Daming banks will spread all over the cities and towns in the world, and people will use banknotes with gold and silver to circulate." ”

"Your Highness is right, isn't this Qianzhuang?" Shen Jin thought he understood.

"It's different from the bank, where you need to pay money to the bank, and if you deposit money in the bank, the bank pays interest to the customer." Zhu Han said.

"Ahh In that case, wouldn't the bank be at a loss? Shen Jin immediately became worried.

"The money deposited in our bank can be taken out to lend and collect interest from others, wouldn't it be earned back!" Zhu Han said with a smile.

At this time, Shen Jin somewhat understood the concept of bank, which was completely different from the bank.

"Moreover, in addition to collecting deposits, this bank will also issue Ming banknotes, with which they can be exchanged for genuine gold and silver coins in any bank, saving the trouble and danger of carrying them long distances." Zhu Han said.

After hearing this, Shen Jin's eyes immediately lit up.

Because, the issuance of paper money is a well-known lucrative business.

A piece of worthless paper, with a few words printed and a few seals, can top a lot of money, which is even more enjoyable than a roadblock robbery.

If it weren't for the indiscriminate issuance of paper money to accumulate wealth, the Mongols would not have gotten out so quickly.

Even if there is a risk of losing the country, the Mongols have to issue paper money, which shows how great the benefits are.

"The banknotes issued by our bank are different from the banknotes issued by the Mongolians, the banknotes of the Mongolians are some indiscriminate means of collecting money, no different from the forced buying and selling, the banknotes of our Daming Bank can always be exchanged for gold and silver, no matter who it is, as long as you hold the banknotes, you can exchange them in the Ming Bank!" Zhu Han said.

As soon as Shen Jin heard this, he was immediately stunned by Zhu Han's boldness.

If this Daming Bank is set up according to the model Zhu Han said, how can it be worthy of half of the Daming household?

"Your Highness, is what you said true?" Shen Jin asked.

"Of course it's true, otherwise I wouldn't have come to you, now everything is ready, but there is a lack of a big business like your Shen family." Zhu Han said with a smile.

Shen Jin immediately asked again: "But, aren't the Seven Seas Merchant all over the world, can't you use them?" ”

For this sentence, Zhu Han understood Shen Jin's inner worry as soon as he heard it.

The Seven Seas Firm is a business founded by Zhu Han himself, and now it is managed by his second brother-in-law Li Zhen and others, and the profits paid every year are definitely worth the tax level of a province.

Seven Seas Firm has stores all over the world, and if you want to set up such a bank, it is most appropriate to use Seven Seas Firm according to reason.

"No, the bank is a major national economy and people's livelihood industry in the future, not an ordinary industry, although Seven Seas Firm also invests in shares, but I will not let Seven Seas Firm affect the operation of Daming Bank, specific personnel and industries, must have an independent team of Daming Bank." Zhu Han said seriously.

】

Zhu Han is full of expectations for the future of Daming Bank.

Nowadays, the development of commerce and maritime trade in Daming is getting better and better, and the money from all over the country has begun to pour into the hot industry, instead of investing in buying houses and land as before.

The role of Daming Bank is to make good use of this money.

Naturally, the regulatory measures should be very strict, and other firms or industries should not be allowed to affect the security of Daming Bank.

"I won't go around in circles, this Daming Bank is issuing paper money, and the people were exploited by Mongolia many years ago, including this banknote, so this king established this Daming Bank to use your Shen family's business name and reputation to make people accept it more quickly." Zhu Han said.

Zhu Han is looking for big businessmen to cooperate, not only the Shen Wansan family in Suzhou, but also other big businessmen in the south of the Yangtze River, Zhu Han also sent people to invite them one by one.

After getting Zhu Han's explanation, Shen Jin immediately readily agreed.

"Our Shen family immediately dispatched the most capable manpower, and then prepared the store in the top position, and fully cooperated with the opening of His Highness's Daming Bank!" Shen Jin said.

"Okay, you prepare these things first, anyway, when the time comes, you just wait to lie down and make money, even if the business of saving money and lending money can't make much money, this king can also use the small gold mountain in Yinzhou to the top!" Zhu Han said.

When Shen Jin heard this, he immediately rubbed his hands excitedly.

In today's Ming Dynasty, almost everyone knows that Yinzhou, which is thousands of miles away, is a continent full of gold.

Twice a year, large sailing ships transport gold back to the Ming Dynasty, half of which is the private property of His Royal Highness.

This 'Little Gold Mountain' is one of the many gold mines under Zhu Han's name.

In fact, Zhu Han is now planning this Daming Bank, and the most fundamental confidence is the gold mine in the New World.

With these gold and silver reserves, the credibility of Daming Bank will never go bankrupt.

After gaining credibility, Zhu Han can easily achieve financial leverage by operating the issuance of banknotes, and use the least amount of money to do the biggest thing for Daming.

Zhu Han inspected Suzhou, Songzhou, Huzhou and Hangzhou for more than a month, and persuaded more than a dozen large firms.

Coupled with the manpower and material resources of Seven Seas Trading Company itself, Zhu Han's Daming Bank is basically preliminarily complete.

After returning to Yingtianfu, the elder brother Zhu Yuanzhang was very surprised to learn so quickly.

"Seventy-five, you're too fast, in another month, won't you be able to invent the Daming treasure banknote?" Zhu Yuanzhang asked expectantly.

Zhu Han had already ordered the painters and craftsmen to make the carved plates of the Ming treasure banknotes, and also produced the finished products with exquisite craftsmanship.

Zhu Yuanzhang is very fond of these Daming treasure banknotes printed with the name of Hongwu, and he can't wait to let these Daming treasure banknotes circulate all over the world immediately.

"I'm afraid I'm still a little anxious for a month, I want to send someone to the grassland to establish the business name of Daming Bank, and then officially start issuing Daming treasure banknotes, after all, the most suitable place for the pilot is now, that is, on the grassland." Zhu Han said.

Today's Mongolian steppe, because of the strong intervention of the Ming court, has swept away the various tribal leaders and princes, and has a strong ability to control the grassland herdsmen.

Moreover, in recent years, because Zhu Han has supplied a large number of sheep with high-quality wool.

The lives of the grassland herdsmen have been turned upside down.

Every herder has made a fortune selling high-quality wool.

Therefore, Daming Bank is the most suitable place to pilot in the grassland.

The herdsmen had money, but they needed all kinds of practical supplies, and the surplus gold and silver were of no use to them, and they had to worry about being robbed and robbed.

And if you have a Ming treasure banknote, it is much more convenient, no matter how many treasure money can be easily carried on your body.

Zhu Han and his elder brother Zhu Yuanzhang finished discussing the matter of Daming Bank, and just wanted to go to the apse for dinner, the eunuch of the inner court outside the door came in to report.

"Tell Your Majesty, the left prime minister Li Shanchang and the right prime minister Liu Bowen ask to see you!"

"Let them in!" The elder brother Zhu Yuanzhang said surgingly.

He is a person who is preoccupied with government affairs, and it is common for him to skip meals in order to summon ministers.

Zhu Han's stomach was growling with hunger, so he could only accompany his brother.

Soon, Li Shanchang and Liu Bowen walked in together.

"See Your Majesty!"

"See His Royal Highness!"

For the two people to salute, Zhu Yuanzhang waved his hand casually, and the two of them were exempted from saluting.

"You two, what's the matter with us?" Zhu Yuanzhang asked.

Li Shanchang took the lead and said: "Your Majesty, the minister is here to congratulate Your Majesty!" ”

"Hehe? What's the happy event? Zhu Yuanzhang asked.

"The great joy of the prosperous world!" Liu Bowen followed and said.

It turned out that not long ago, the Ming Dynasty organized the first census of the Ming Dynasty according to Zhu Han's suggestion.

Today, the DPRK and China Cabinet compiled data from various places and came up with a number that surprised everyone.

The Ming Dynasty has been plagued by wars for many years, the people live and work in peace and contentment, the national strength has developed rapidly, and the population has begun to grow explosively.

In just a few years, it has grown to nearly 200 million people.

This is still the result of a rough survey of the imperial court.

I believe that if you count some mountain people, former fugitives, etc., there are definitely more than 200 million people.

The reason why the population has grown so rapidly in recent years is also because Zhu Han has vigorously promoted corn, potatoes, sweet potatoes and other crops in recent years.

This greatly relieved the pressure on the people to survive.

The yield of these grains was very high, and although the taste was not good, the people were able to eat enough.

If there is no war, the government is clear, and the government is full and warm, and the population development will naturally be greatly accelerated!

However, although these can be used as staple food substitutes, they cannot be compared with rice, wheat and corn.

"Really? Great, show us the paperwork! Zhu Yuanzhang said happily.

Regarding the rapid increase in the population of the Ming Dynasty, the more the elder brother Zhu Yuanzhang looks, the happier he becomes.

However, Zhu Han on the side had his own considerations.

"Two, the population of Daming is growing so fast, and the yamen in various places should have found many hidden dangers and problems, right?" Zhu Han asked Li Shanchang and Liu Bowen.

With a population of more than 200 million, the population in the Central Plains has become very dense, and the living space of the common people has naturally begun to shrink.

Li Shanchang and Liu Bowen naturally noticed this problem.

Although it seems that this question is just showing a little bit of a head.

But you can't ignore it.

The two prime ministers did not dare to slack off, and immediately reported to Zhu Han the various problems of the yamen's reaction in various places.

After listening to this, Zhu Han nodded and did not speak.

The people of the Ming Dynasty do not have to go hungry now, and the population will naturally increase.

However, this situation will not last long.

If the population grows too fast, the people's living standards will not increase too much because of the small area of farming.

Zhu Han immediately pointed out the potential risks of excessive population growth.

"Do you have any solutions, gentlemen?"

Zhu Han asked the two prime ministers rhetorically.

Li Shanchang and Liu Bowen touched their heads and made eye contact.

Liu Bowen said directly: "Your Majesty, the minister thinks that it is more appropriate to move the population out from the dense places of the Central Plains. ”

Zhu Han and his elder brother Zhu Yuanzhang were looking at the map of the Ming Dynasty's territory.

"So where do you think it's better to move?"

Zhu Han has no objection to immigration, which is an optimal solution.

The world is so big, and since there is a sufficient population, it should be encircled in a larger territory.

Immigration certainly can't be the first time!

But now he was thinking a little far, and his eyes fell to the north for the time being.

Li Shanchang and Liu Bowen also came to the map, pointing to the map and drawing towards the Lingnan area.

"Your Majesty, the south is sunny and rainy, the climate is suitable, it is very suitable for rice maturity, and there is even a record of two crops a year and three crops a year.

Obviously, the two prime ministers thought so, and after speaking, they also looked at Zhu Han together, waiting for his decision.

Zhu Han's thoughts were the opposite of them, "What you said actually has some truth, but I think Liaodong and Western Xinjiang are more suitable. ”

"Huh?!"

Li Shanchang and Liu Bowen were taken aback when they heard this.

Liaodong is icy and snowy, the spring and autumn time is short, and the winter time is long, how can the weather be compared with the south.

As soon as the two of them were about to open their mouths to dissuade, Zhu Han waved his hand and said: "There is actually a basis for saying this, you say that the population of the Central Plains is moving south, and the population of the Central Plains actually belongs to the north, with snow in winter, hot summer, and four distinct seasons. ”

"But will they really be able to adapt to the south?"

"Looking at it this way, northerners don't like hot, humid and miasma places, and there are many mosquitoes, snakes and ants in various parts of Annam, and there are many diseases, and it is estimated that many people will fall down if they go there to adapt to it."

"On the contrary, the land in eastern Liaodong is fertile, fertile for thousands of miles, and there are vast plains, as long as it is planned properly and planted in a large area, whether it is wheat or rice, it will be a bumper harvest, and it can even serve as one of the main granaries of my Ming Dynasty."

After Zhu Han finished speaking, Li Shanchang and Liu Bowen fell silent.

Naturally, I was also thinking about whether what His Royal Highness said just now made sense.

After so many years, they have become accustomed to it.

Don't look at His Royal Highness the King who always makes some strange remarks from time to time, but in the end, it can always prove that Zhu Han is right.

After a little consideration, Li Shanchang and the two arched over and said: "If it is really as His Highness said, then it is indeed more appropriate to move to the north, and it was a defect of the ministers before."

"Ah, it's okay, your original intentions are also good, but you ignore the specific situation of Annan." Zhu Han waved his hand and didn't take it to heart.

"Seventy-five, how many people do you think is appropriate?" The elder brother Zhu Yuanzhang asked on the side.

"Well, each of these two places needs to have at least a million Han Chinese! However, we can't force the order, we have to guide the people to sign up voluntarily, and it is best to come up with some system to attract the people to Liaodong and Western Xinjiang. ”

Zhu Han was in the middle of the hall and said with his hands behind his back, thinking at the same time.