The accumulation process from a small workshop to a large-scale operation is also called primitive accumulation.

Under normal circumstances, the evolution from a small family-style workshop to a large-scale factory requires the continuous efforts of several generations or even more than ten generations of workshop owners, a little bit of accumulating capital, swallowing up other small workshops one by one, and letting other small workshop owners become employees of their factories, which is a very long process.

This is true for small workshops, but also for large countries.

But this process can be accelerated by violent means.

For example, the enclosure movement, the slave trade, and the plundering of the colonies could accelerate the primitive accumulation of capital, on which almost all the primitive accumulation of several old Western industrial powers depended.

In addition to plunder, primitive accumulation can be accomplished at the expense of the well-being of several generations, as was the case with Prussia and the Stick State.

In fact, in this regard, Daming really has a unique advantage.

Because by the end of the Ming Dynasty, land annexation had been extremely serious, and this was actually a larger-scale land enclosure movement, so now the Ming Dynasty had enough available hired labor, as long as the household registration restrictions were relaxed, a large number of landless peasants would flood into the cities to become workers, and there was no worry about no hired workers at all.

Then there is the capital, the Western countries also have to accumulate through the plundering of colonies and the slave trade, but the Ming Dynasty has already saved a huge amount of money by relying on the irreplaceable silk, tea and porcelain trade.

More than 700 million taels of silver principal was precipitated in the folk of the Ming Dynasty.

In the past, it was almost impossible for the Ming Dynasty to mobilize the 700 million taels of silver.

But now, this problem has also been solved by the Ming Royal Silver Trumpet.

After experiencing a run on the Ming Royal Silver, the silver deposit on the account has been growing steadily, and has now recovered to more than 100 million taels, which is enough to support the initial industrial development.

That is to say, at the national level, the Ming Dynasty has actually completed the primitive accumulation.

Now the only unfavorable factor hindering the development of Daming's industry is the financial level.

To put it more bluntly, the gentry landlords and the maritime salt merchants had accumulated a large amount of silver, but they preferred to hide it in the cellars and lay it in ashes than to lend it to the small workshop owners at low interest rates to expand the scale of industrial production.

As for the small workshop owner, he begged his grandfather to tell his grandmother that he could not borrow low-interest silver to expand the scale of production.

There is a lot of usury that can be paid back in a few months, but this kind of lending is the destruction of the rival industry.

So now, what Chongzhen has to do is to open up the intermediate links, borrow the silver in the hands of the gentry landlords, maritime merchants, and salt merchants, and then lend them to the small workshop owners, to help them expand the scale of production and operation, and improve the product technology.

Regarding this, Chongzhen had already instructed Kang Xi to fully support the small workshop owner.

At that moment, Chongzhen's eyes turned to Kang Xi: "Crown princess, didn't I ask you to support the little workshop owner?" ”

"The daughter-in-law has support." Kang Xi hurriedly got up and said, "My daughter-in-law has prepared 30 million taels of silver to support various industries according to her father's wishes, but no one has come to borrow it at all. ”

"Why is that?" Chongzhen asked Xu Guodao again, "Xu Weng, the royal silver number has silver and is willing to lend it, why don't you borrow it from the royal silver number?" ”

"Uh, what's this......" Xu Guo hesitated.

Chongzhen said sincerely: "Xu Weng, please be sure to speak directly." ”

Xu Guo's brain was hot, so he said: "Because I borrowed silver from the royal silver number, I have to use the little old man's workshop as collateral, and if the silver is not paid when it expires, the workshop will belong to the royal family, and this will be ......."

Kang Xi said: "It's okay not to use the workshop as collateral, but someone needs to be a guarantee." ”

Chongzhen asked Xu Guo again: "Xu Weng, can you find someone to guarantor for you?" ”

Xu Guo sighed and said, "Holy Lord, Xiao Lao can't find anyone to guarantee him, and the profit of the silver horn is too high. ”

This is what Xu Guo is most worried about, he has repeatedly calculated that the extra profit from borrowing silver to expand the scale is only enough to pay the profits of the royal silver number, which means that his Xu family is tired and tired and does not earn a penny of silver, and he gives the royal silver number for nothing, so he has no intention of borrowing silver from the royal silver number at all.

Even if you run it well, you can't make more money.

In case of poor management, even the workshop will be compensated directly.

Because of this, Xu Guo didn't want to borrow silver from the silver horn at all.

To put it bluntly, this is the limitation of the petty bourgeoisie, although they know that large-scale operation can improve production efficiency and make more profits, but their vision stops there.

The concept of debt management is too advanced for them.

But this kind of trivial thing can't help but make it difficult for a soul to come through at all.

Chongzhen's mind soon had five words in mind – the Temasek model.

Although Chongzhen does not look down on the country of boogers, he still admires the Temasek model.

The so-called Temasek model is actually a state-owned (investment company) that controls and injects capital into various industries, which in turn promotes the rapid development of these industries.

At that moment, Chongzhen asked Xu Guodao: "Xu Weng, if there is such a sum of silver, you don't need to use the workshop as collateral, nor do you need a guarantor as a guarantee, or even pay the profit, it can be directly handed over to you for use, the only condition is that you have to occupy a certain amount of shares in Xu's workshop according to the amount of silver, are you willing?" ”

Xu Guo asked vigilantly: "Who determines the amount of shares?" It's not up to the government to decide, right? ”

"Of course, it can't be decided by the government." Chongzhen thought for a while, and then said, "Don't the merchants of your provinces have local guilds in Nanjing?" Otherwise, the merchants of each province first set up their own chambers of commerce, and then elected a president of the chamber of commerce, and then the presidents of each province formed a general chamber of commerce. ”

Hearing this, Kang Million and other big businessmen suddenly lit up.

To be honest, they have been thinking about starting a chamber of commerce for a long time.

It's just that I'm worried about the opposition of the imperial court, so I haven't dared to start a chamber of commerce.

But I never expected that the Holy Lord would actually take the initiative to propose it today.

This is really an unprecedented event for the entire group of businessmen.

After a pause, Chongzhen said again: "The amount of this share will be decided by the General Chamber of Commerce, of course, if you feel that the amount is too high, you can refuse, Xu's workshop is still yours alone." ”

"That's fine." Xu Guo nodded and said, "Xiao Lao has another question. ”

"Xu Yuanwai?!" Kang Million was already a little unhappy, and said in his heart Xu Guo, don't go too far.

Chongzhen waved his hand and said, "Hey, since it's a conversation, you have to be open and honest, and don't let people say anything, Uncle Guo, you are too domineering." ”

"Holy Lord, that's not what the minister meant." Kang stood up in fright.

Although he is already a relative of the emperor, Kang Million is not arrogant.

"Sit down." Chongzhen motioned for Kang Million to sit down, and then said to Xu Guo in a harmonious voice, "Xu Yuanwai, you continue." ”

Xu Guo settled down and asked, "What the little old man wants to ask is, after taking this silver, who has the final say in the Xu family's paper mill and printing workshop?" Is it the old me, or the shareholder who has joined the shares? ”

"Of course, it's still you." Chongzhen said without thinking.

Speaking of this, Chongzhen continued: "Speaking of which, let's just say it, I plan to set up another silver number in addition to the Ming Royal Silver Number, and the name will be set as the Industrial and Commercial Silver Account for the time being." ”

"Industrial and commercial silver?" Kang Million, Fang Wenzhen and other businessmen couldn't help but look expectant.

The Daming royal silver number is unique to the royal family, and the silver number of the Daming household department is the silver number of the imperial court.

"Yes, the industrial and commercial silver number." Chongzhen nodded, and continued, "The share capital of this industrial and commercial silver is tentatively set at 50 million taels, the Daming Royal Silver intends to contribute 20 million, and the remaining 30 million share capital is raised for the merchants of the whole Daming, and the businessmen who are interested can subscribe to the share capital, when the 30 million subscription is completed and when the deadline, if the subscription is insufficient, the insufficient part will be made up by the royal silver." ”

Hearing this, a small workshop owner like Xu Guo didn't have any special reaction.

But big businessmen like Kang Million, Fang Wenzhen, and Weng Zhiyi couldn't help but feel excited, if they could occupy a certain stake in this industrial and commercial silver number, not only would they be able to make a lot of money, but more importantly, their family would become business partners with the royal family, and this name could not be bought with silver.

At present, these giant businessmen are already thinking about how much silver they want to take out to buy shares.

Chongzhen continued: "In principle, the industrial and commercial industrial silver number does not do private small loan business, but only does one business, that is, to inject equity into workshops like Xu Yuanwai's paper mill and printing workshop. ”

"The profits handed over by these workshops, mines, and factories are the profits of the industrial and commercial silver number."

"In addition to a certain amount of dividends every year, all these profits are included in the share capital of the Industrial and Commercial Bank, and we will continue to expand the scope and scale of the business."

This is actually the Temasek model.

The advantage of this is that it can not only effectively support the rapid development of industrial and commercial industries, but also achieve strong control over all walks of life through the industrial and commercial banking account.

To put it bluntly, it is actually to achieve a state monopoly.

The advantage of monopoly is that it has bargaining power over the upstream and pricing power over the downstream.

To take the simplest example, a piece of silk, through the monopoly of the whole industrial chain, can be infinitely squeezed from the top of the mulberry farmers, and down can be unlimited from the end consumer wool.

Of course, this is just an example.

At least when Chongzhen is still alive, he will definitely not be squeezed internally.

But the wool must be scavenged externally, and silk must rise sharply.

But it can't be done now, and even the three major weaving bureaus have not formed an industrial monopoly.

Therefore, the prospect of the industrial and commercial silver account is promising, and it will inevitably expand into a capital monster in the future, and it is entirely possible to call for wind and rain in the world.

Originally, Chongzhen also thought about exclusive benefits.

Why share such a lucrative business with others?

But as the old saying goes, a single flower is not spring, and a hundred flowers bloom in spring.

If the royal family only wants to take all the benefits, then the end result can only be stabbed in the back.

Only by distributing the benefits to as many relevant parties as possible, and then forming a large interest group, can the foundation of royal rule be solid, and it will not be overthrown because of interests.

In the future, even the Royal Silver will have to release shares for people to invest.

In the future, the Ming Dynasty will be politically a dual parallel system between the emperor and the cabinet, and economically it will be monopolized by a huge vested interest group with the royal core created by the Ming Royal Silver and the Industrial and Commercial Silver Account, and militarily it will be an independent military general system based on the Guozijian and Shizi Battalion, and finally the de facto Ming Constitution Emperor Ming Zuxun.

In this structure, the emperor was politically bound by the constitution and could not interfere in the affairs of the cabinet, and economically he had to enlist the support of the majority of shareholders to mobilize the royal reserve fund, and militarily he had to obtain the support of the cabinet to mobilize the troops directly from the towns and platforms of the provinces, so that the emperor's power was locked in a tight cage.

Only when the emperor, the cabinet, and the consortium are in agreement can the state war machine be truly used.

If the emperor is like this, let alone the cabinet, military generals or chaebols, there is no possibility of usurping power.

Of course, this is the structure of the future, at least not in Chongzhen's lifetime, while Chongzhen is still alive, the consortium must unconditionally obey his orders, and the cabinet can only have nominal independent administrative power.

However, before he dies, the imperial power will be put in a cage in the form of a constitution.

The emperors after him, unless they can far surpass him in terms of cultural and martial arts, it may be difficult to break through the power cage he designed and become a new generation of emperors.

However, these are long-term plans.

At present, it is better to create an industrial and commercial silver account first.

The big shopkeeper of the industrial and commercial bank can no longer invite the shopkeeper of the firm.

Because the firm's men or shopkeepers have limited courage, it is difficult to fully support industry and commerce, and only the Qinwang Shizi of the Shizi Battalion can fully understand his intentions.

And you have to be the son of a businessman.

After going through the familiar scholars, Chongzhen soon had a suitable candidate.

"High companionship." Chongzhen turned his head and instructed Gao Qiqian, "You go to the banknote street and call Zheng Zunqian back." ”

Gao Qiqian received the holy decree and went straight to the banknote street, and soon brought Zheng Zunqian back.

"Holy." Zheng Zunqian gave Chongzhen a long stroke.

"Zheng Zunqian." Chongzhen asked, "I remember that your family is a brewer, right?" ”

"Back to the Holy Heavens." Zheng Zunqian said, "The student's family makes rice wine, and they can also brew hundreds of stone rice wine every year. ”

Chongzhen said again: "Your Zheng family has been brewing wine for several generations, and the craftsmanship is good, but why is there only a few hundred stones of rice wine brewed every year?" And what about not expanding the scale of brewing? ”

Zheng Zunqian said: "Expanding the scale requires a lot of capital, and the students' families can't come up with so much silver. ”

Hearing this, Chongzhen knew that he had found the right person, and immediately said: "Zheng Zunqian, I plan to raise money to set up a Daming Industrial and Commercial Industry Silver Account, are you willing to be the big treasurer?" ”

【Kneel and beg for a commuter pass】

(End of chapter)