Zhu Gaoxu wants to officially enter the financial field, but finance is easy to be manipulated.

Once a dynasty has a financial system, whether it can function normally or not will affect the stability and security of the entire dynasty.

If Zhu Gaoxu has the final say, he can ensure that silver coins, gold coins, and treasure banknotes will not be overissued or depreciated, so what about the emperor in the future?

So he wants to legislate, the banking and financial system is not under the control of the emperor, let the market decide, and the cabinet will deal with it.

But if the Cabinet and the Ministry of Commerce do not handle it well, they will be punished if they are devalued, which forces them to find ways to ensure the stability of the financial system.

Of course, this is only his initial idea, and in the end, he still has to learn more stable experience and operation mode from future generations, and at the moment, he is just starting out, and everything is in the process of experimentation.

"Your Majesty, what is a bank?" A minister asked the emperor at this time.

"Banks are money banks, how to say it." Zhu Gaoxu looked left and right, bent down and bowed his head, and took ten silver coins from everyone's hands.

Everyone squatted down and looked at the emperor.

The emperor put one here: "This represents the bank in Jiangnan." ”

"This represents the banks of Guangdong."

"This represents the bank of Cochin."

"Now the merchants are doing business, transporting a shipload of silk from Jiangnan to Guangdong."

"After selling, get a boatload of money to go home, and once you encounter a shipwreck or pirates on the way, you will lose all your money."

The crowd listened attentively.

"Now this merchant has arrived in Guangdong, and after selling it, he will get 10,000 taels of silver."

"He can deposit it in the Bank of Guangdong, and then the bank will give him a certificate."

"He took the voucher and returned to Jiangnan, and at the Jiangnan Bank, he retrieved his 10,000 taels of silver."

"Even if he encounters a shipwreck and a sea ship in the middle, or even is killed, his family can go to the bank and get back 10,000 taels of silver."

"Of course, in the same way, there are banks in all provinces of the country, and people can deposit and withdraw from each other, and they don't have to carry a lot of money on the road, and they have to be careful of robbers and losses."

Although the emperor's explanation was not very detailed, most of them could be understood.

"Wonderful, this is equivalent to building granaries all over the country."

"Pretty much that." Zhu Gaoxu said with a smile: "The money that everyone can't use up can still be deposited in the bank and charged interest." ”

"You save 10,000 taels in Guangdong, and you can take out another 10,000 taels after you arrive in Jiangnan empty-handed, or you can only take 500 taels, and you don't have to keep all the money at home."

"What if the bank runs away with the money." Some ministers shouted.

"Idiot, isn't this bank all opened by the imperial court, how can it run." Someone else shouted.

Zhu Gaoxu didn't say anything, thinking to himself, now he still has to be run by the imperial court, and he will consider gradually opening up the private sector in the future.

In fact, it is not a problem to open up the private sector, as long as the pressure is collected.

If you want to open a bank and bet one million taels of silver in the imperial court, naturally there is no big problem, because now you have nowhere to run away with money.

Where do you run without a plane, it's not in the land of Daming.

Suppose you bet 1 million in the imperial court, and then save 2 million, and want to run away with the money, whether you can take the money out is a big problem.

The sea area around Daming now, except for Dongben and Goryeo, is all the land of Daming, and you can't use this money to go anywhere else.

"Setting up a bank is not an easy task, it involves all aspects, and I have only scratched the surface."

"After a batch of students graduate from Yingtian University, this matter can officially begin."

Zhu Gaoxu could not count on these officials, and mainly relied on the students who had undergone professional studies at Yingtian University.

Come on, when this sentence came out, everyone rolled their eyes, and the emperor looked down on us.

——

Jiaozhi Middle School, 8th grade, a class.

"Students, this is the newly established Feilu Province in the eastern part of Nanyang Province, covering an area of about 300,000 square kilometers."

"This is Tonga Province in the western part of Nanyang Province, with an area of more than 700,000 square kilometers, and Nanyang Province totals more than 1 million square kilometers."

"It's equivalent to ten Zhejiang in my Ming Dynasty."

The students were not surprised, as geography had been taught since elementary school, but Nanyang Province had just been incorporated into the Ming Dynasty.

But in the last row of the students, a middle-aged man sits, looking at the wall with a flushed face.

He was holding an up-to-date geography book in his hand, which was none other than Zhu Di, the former Emperor of the Ming Dynasty, and now the library manager of Jiaozhi Middle School, Master Gao.

Zhu Di lowered his head and flipped through the geography book in his hand, his expression was quite depressed.

Daming is in the hands of Gao Xu, opening up the territory, which is bigger than the previous three Daming, it is impossible not to be jealous.

Thinking that there are seventy-six Zhejiang in Daao Province, Zhu Di is even more heartbroken.

But now he can't do anything, saying hello to the teachers every day, and coming to learn and listen to the lectures is one of his pleasures.

He didn't finish the geography lesson, got up and left.

Because he didn't want to listen to it later, he knew what the teachers said later, and they were all brainwashing the students, saying how big it was outside the Ming Dynasty, and that the islands and overseas countries were beneficial, and they must conquer these countries in the future.

The geography of the Ming Sect is to teach conquest.

Zhu Di thinks so, and in Zhu Gaoxu's view, it is to teach them to colonize in the future.

After leaving the classroom, Zhu Di had nowhere to go, so he walked slowly in the school, feeling that everything was very unfamiliar.

It has been almost ten years since the end of the rebellion, but the changes in the Ming Dynasty are greater than in the previous fifty years.

But no matter how unhappy he was, he had to admit that Gao Xu was indeed much better than him as the emperor.

Just when Zhu Di was thinking about his thoughts and walked towards the library.

A teacher-like figure walked over from the west side.

As soon as the other party looked up, he saw Zhu Di, and Zhu Di also happened to see him.

Zhu Di's expression froze, and after a moment, a smile squeezed out of his face: "Zhu-Director Zhu." ”

The opposite side is none other than Zhu Yunwen, the logistics director of Jiaozhi Middle School, who is also his eldest nephew.

Zhente Niang is disgusting, after Zhu Di called, she scolded in her heart, but she still had a smile on her face.

Zhu Yunwen looked at him lightly, and there seemed to be a smile in his eyes: "Master Gao went to class again?" ”

"Well, geography class, Gao Xu seems to have laid down another piece of territory." Zhu Di sighed.

"It's good." Zhu Yunwen looked at Zhu Di deeply: "Gao Xu will inevitably become the first emperor in the history of the Ming Dynasty, and even in the history of China." ”

Then he added: "No one can beat it." "It means that you, Zhu Di, are not even worthy of helping him lift his shoes.

Brush, Zhu Di's face was flushed, of course he understood what Zhu Yunwen meant, he couldn't help but think, at least the emperor is better than you.

After the two finished speaking, they didn't seem to have anything to say, after all, they didn't speculate for more than half a sentence.

The two former emperors of the Ming Dynasty looked at each other for a while.

In the end, it was the eldest nephew Zhu Yunwen who hugged him with a fist: "Take a step first." ”

Zhu Di watched him go farther and farther, with mixed feelings in his heart, obviously he had a lot of things to say to his eldest nephew, and even wanted to say, eldest nephew, I was sorry for you back then, but I was also forced by you.