When he heard Zhang Fengnian stand up and persuade those businessmen not to work against the government, Zhu Han's eyes flashed.

"This Zhang Fengnian is not bad." At that time, Zhu Han didn't really want to help Zhang Fengnian.

The most important purpose is to disseminate the patent policy. It can be said that the two sides can also be regarded as mutually beneficial.

I didn't expect that Zhang Fengnian, this guy, would dare to stand up in this situation. The people in Jufeng Building at that time were all quite powerful people.

Behind them, even if they are not high-ranking officials and dignitaries in Yanjing officialdom, they are inextricably linked to those people.

If one is not good, the little wealth that Zhang Fengnian accumulated before may be destroyed in an instant.

After all, if he didn't know what they said in the private room of Jufeng Building, it would be impossible for Zhu Han to take the initiative to help a businessman who met in Pingshui.

"It's a material that can be made, and I know how to be grateful, and people are more reliable...... Zhu Han's hand tapped on the desk in the study for a while, and commanded:

"Call Shen Jin over." After that, without waiting for anyone to agree, he motioned to the brocade guard to continue.

"Lord Wang, then Shen Wansan and they arrived......" Jin Yiwei told Zhu Han what happened after Shen Wansan arrived in Jufeng Building.

"Hmph, you're a smart guy." Zhu Han sneered disdainfully, and didn't say anything more.

"It's none of your business here, go down. Remember to let our people keep an eye on those businessmen, as long as they don't go too far, cause people to die or something, leave them alone. Jinyiwei's talent had just left, and Liu Shenhong, who had not spoken, said with some resentment:

"Lord Wang, these businessmen are too ignorant, if you didn't give them a chance, they would be able to make so much money in Yanjing City."

"But these guys not only don't know gratitude, but they still want to leave at this critical moment, leaving us with a mess. These guys, don't they have anything else in their eyes but money? Zhu Han smiled slightly, and asked instead of answering:

"Do you really think they'll leave at this time?" Liu Shenhong was stunned when asked:

"Isn't it?"

"You......" Zhu Han smiled and shook his head:

"I just told you, don't underestimate these merchants, you forgot so quickly?"

"You can doubt anything a businessman says, but you can't doubt their intelligence when it comes to making money." Pointing to his head, Zhu Han pulled the corners of his mouth and said with a smile:

"The projects they contracted in Yanjing City were all deposited. Not to mention, how much silver, manpower and material resources they invested in these projects. ”

"Once you leave Yanjing, these things will be lost. If it were you, would you do this kind of loss-making business? Liu Shenhong nodded subconsciously, and then shook his head again:

"Aren't they already panicking because of Miao Lifu? Maybe it's to save your life......"

"Life?" A hint of mockery appeared on Zhu Han's face.

"Just like that Hu Shafeng, this guy has been in the leather business for more than 20 years, and he runs from Liaodong to Guannei once a year."

"Now Liaodong has long been the world of our Ming Dynasty, and you can also take the Liaodong Railway to and fro."

"But what was it like a few years ago? Soldiers and bandits are in chaos. On this trip, I don't know how many bandits I will encounter. ”

"Besides, the one named Fang Jingsheng, he is a businessman from Sichuan and Shu. It is difficult to go to the blue sky, and I don't know how many people die on the road every year. In troubled times, it is even more dangerous to run these business routes. ”

"And ......" Zhu Han said the names and origins of four or five people in a row.

"Such a dangerous trade route, these merchants don't care at all, they run down again and again, do you really think they will be afraid of death?"

"This ......," Liu Shenhong was speechless for a while. After listening to his own prince, he admired these guys who got into the eyes of money.

In order to make money, these guys are really fearless.

"They are not even afraid of such a dangerous trade route, and now that a merchant has been killed, what is there to be afraid of?"

"Now you understand why these guys are so excited, even at the risk of going against the court, right?" Liu Shenhong nodded as if he didn't understand:

"Ming...... I see. "Looking at the way he looks, you must not have fully understood. Like last time, Zhu Han did not explain it thoroughly.

There are some things that Liu Shenhong must think clearly about. Otherwise, he would never be able to take charge on his own.

Half an hour later, Shen Jin trotted to Zhu Han's study:

"I've seen the prince."

"How are Daming Bank's preparations lately?" Zhu Han asked directly. This matter is handed over to Shen Jin to take care of, and Zhu Han is basically a hands-off shopkeeper.

It's only ten days and half a month, let Shen Jin come over to report the situation. It seems that he didn't take this matter to heart, but in fact, Zhu Han has never relaxed the supervision of Daming Bank.

After all, in this world, except for him, no one can imagine what role Daming Bank has for the entire Daming.

Of course, if the operation is not good, Daming Bank will also become a sharp knife to destroy Daming. Even if Zhu Han couldn't wait for it, Daming Bank would open all over the world overnight, and he had to calm down and let Shenjin do it step by step.

First in each state capital, the head office of Daming Bank was prepared, and then the head office was the center, spreading to various places.

"Back to the prince, at present, I have 170 prefectures in the Daming Huaxia region, and we have successfully established 158 state capital headquarters of Daming Bank, covering almost the entire Daming Huaxia territory." When he said this, Shen Jin's eyes flashed with pride.

The formation of these Daming banks is all his hard work. This achievement, he thinks, is no less than his father Shen Wansan.

"Very good!" Zhu Han is actually not particularly satisfied with this result. He invested a huge amount of silver and the full support of the imperial court.

The amount of money needed to build the entire Yanjing is a small amount compared to the establishment of the Daming Bank.

According to Zhu Han's plan, at this time, it should have covered Huaxia itself and began to expand to other territories of the Ming Dynasty.

It's just that Shen Jin can't be blamed for this. One of the most important reasons for slowing down the progress is that there is a serious shortage of suitable talents due to the limited times.

Even if Zhu Han has already carried out reforms for education. But there are still very few financial talents who can really afford a state bank.

Even if it is Shenjin, in fact, there is no specific concept of what the real Daming Bank should look like.

Although the shelves of Daming Bank have been set up now, the overall operation model is not much different from the previous bank.

"That's what villains should do." Although it was just a good sentence, Shen Jin also felt like Mu Ganlin.

"The establishment of head offices in other regions, you should work harder, and strive to let Daming Bank open all our Daming state capitals before the end of the year." Shen Jin's sound is like a bell:

"The villain must do his best not to disappoint the prince!" Although his ability is good, compared with his father Shen Wansan, there is actually a certain gap.

The reason for being competent is more important because he was born in a merchant family and knows all kinds of business operations.

And what Zhu Han values most about Shen Jin is not his ability, but that Shen Jin is a person who knows how to measure. The establishment of Daming Bank involves countless amounts of silver, even if you don't do anything in it, you can get countless benefits for yourself.

However, Shen Jin has never done anything out of the ordinary. Not only that, but after Zhu Han handed over the establishment of Daming Bank to him.

Except for Xiu Mu going home, Shen Jin has never had any contact with Shen Wansan. This time Shen Jin came to Yanjing, Shen Wansan didn't even know that there was such a thing.

It was precisely because of Shen Jin's caution that Zhu Han could rest assured that he would hand over such an important task to him.

If Shen Jin behaves frivolously, he will have been replaced a long time ago. If you choose the wrong person in this position, the consequences are too serious.

Shen Wansan's father and son have never disappointed Zhu Han.

"This king called you this time because there is one thing he wants you to do."

"Please show me." Shen Jin hurriedly listened intently.

"Do you know Zhang Fengnian?" If this person Shen Jin didn't know, then he would have come to Yanjing City for nothing.

In Yanjing alone, Zhang Fengnian's fame is close to Shen Wansan.

"You will send someone to give Zhang Fengnian a loan in a while......" After thinking about it, Zhu Han continued:

"Let's make a tentative order of one million taels of silver."

"What?" Shen Jin looked up in amazement, a little suspicious that His Royal Highness was joking with himself? I called him over today, the purpose is to give Zhang Fengnian a loan?

He admits that Zhang Fengnian is indeed an excellent businessman. 500,000 taels, for ordinary people, may be a huge amount of money that they have never seen in their lives.

This money can even form a good business. But for Shen Jin, this bit of silver is really nothing.

As the son of Shen Wansan, the richest man in the Ming Dynasty, Shen Jin's own family is a huge rich man who is not known how many times stronger than Zhang Fengnian.

Not to mention, recently in order to form Daming Bank. The silver in and out of Shen Jin's hands is basically one million or two.

But what is the situation now, His Royal Highness the King actually specifically asked him to give Zhang Fengnian a loan. Moreover, a quota of more than one million taels was approved at once.

Although he doesn't need to do it himself, he just needs to send someone randomly. But His Royal Highness the King of England specifically proposed it, that must be hoping that he would stare at the point.

"What's the problem?" Zhu Han asked.

"Lord Wang, our Daming Bank took the initiative to give loans to others, isn't this a bit ......" Shen Jin wanted to say whether it was a bit too cheap, but he didn't dare to say it directly.

This is a typical money bank thinking, where others save money instead of interest, but also have handling fees.

Although it also lends money, it is quite cautious in this regard, basically real estate or real estate mortgage, and the interest rate is also quite high.

Zhu Han's attitude towards Shen Jin is completely different from Liu Shenhong. What is wrong with Liu Shenhong, Zhu Han basically let him think about it by himself.

But if there is any problem with Shen Jin, Zhu Han will definitely explain everything to him in detail, until Shen Jin completely understands.

The reason for such differential treatment is mainly that Zhu Han has different requirements for them. For Liu Shenhong, Zhu Han hopes to train him into an administrative talent, such a person must have his own ideas and political opinions.

If he listened to everything, wouldn't there be only one voice left in the Ming court? When Zhu Yuanzhang was there, with their brother's feelings, there would naturally be no problems.

Zhu Biao also doesn't have any thoughts about him, but what about the next generation, after he dies? Zhu Han didn't think about these things before, but now he has to think about it.

As long as the Daming Bank in charge of Shenjin can be smooth and smooth, the establishment of this system will be a great achievement.

It doesn't take him to have his own unique ideas, at least not now. What I am most afraid of is that he is maverick and clever.

"I've told you a little bit about the bank, but I haven't been thorough. The reason why this is so is that I am afraid that if you know too much, you will be constrained when you do things. ”

"Today, I will tell you about one of the main incomes of the bank, loans." Shen Jin opened his mouth as if to say something, but finally swallowed it back.

His reaction naturally couldn't hide from Zhu Han's eyes.

"This king knows, you want to tell this king, you know all these things. In order to form Daming Bank, you have a lot of dealings with those money banks. Shen Jin nodded a little embarrassedly, and then shook his head again:

"Lord Wang, the villain doesn't mean that all."

"The business of housing loans is basically done by local wealthy households, or temples and Taoist temples."

"If we do the same, it will be promoted in the entire Ming Dynasty in China, and it will inevitably affect the interests of those people."

"It's nothing for one or two families, but if we are enemies of the rich temples all over the world, even if you are not afraid of them, the cost we pay will be quite high, and we will not get enough returns at all."

"Tut-tut, if you think so, you're very wrong." Zhu Han smiled and Yaoyao pointed and said:

"This is one of the most fundamental differences between our Daming Bank and those previous banks."

"In the past, money banks lent money to people who had equivalent collateral. The other party mortgages the things to the bank, and the money bank then gives the money to the borrower, right? Shen Jin nodded first, and then his face changed:

"Lord Wang, don't you want to say that you can take out a loan from us without collateral, right?"

"Never, my lord! There are too many variables in this case. If we really do this, it won't be long before our Daming Bank will collapse directly! Seeing that this guy was really anxious, Zhu Han no longer teased Shen Jin:

"This king is not a fool, how can he do this?"

"The mortgage still has to be mortgaged, but who told you that this money can only be borrowed once, as long as you borrow a few more people, won't all problems be solved?" Shen Jin began to be enlightened again, why he could understand every word of the prince's words.

But together, he couldn't understand it at all. Literally, if he understands correctly...... What does the prince mean by lending the same piece of silver to two or even three people?

This joke is a bit big, isn't it?