Chapter 66 Banking Division

Is the construction of the new Beijing City important? Naturally important. But here in He Xi has long been nothing. Purely in terms of engineering quantity, a Beijing construction project is not even the largest project in Hongwu year.

Because there were too many things done during the Hongwu period, whether it was Nanjing City or the cities built in various places, it was not small compared to Beijing City. Even if the scale of Beijing City is larger, if there is a large number of immigrants, there will be thousands of miles of defense in northern Xinjiang.

In terms of total volume, it is far larger than the Beijing urban construction project.

Even if it is to migrate and copy the industrial system of Liaodong, although this matter is important, He Xi is not the time to be poor and white after all. Someone else is in charge.

The most important thing for He Xi is to establish a complete set of new economic systems. Banks are the most important of these.

It's just that, after all, Beijing is already a mainland. It's no better than He Xi at sea, or in Liaodong, you can play how you want.

He Xi has discussed it many times.

Still reassured.

If he could, He Xi even wanted to bring Huang Zicheng from Nanjing.

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He Xi Mansion is in the main hall.

He Xi's staff are here.

He Xi simply pulled over the blackboard and wrote a whole set of plans on it.

It is an enlarged version of Liaodong Bank. From gold and silver reserves, to deposit and loan management, to the printing of silver bills, and so on. The main profit point is the loan difference, as well as the deposit and withdrawal in other places. These two points.

Although it is still very primitive in all aspects, it already has a bit of a modern banking flavor.

He Xi said: "Yang Shiqi, what do you think?" ”

The reason why He Xi asked Yang Shiqi was because of this plan. It's not just He Xi who is credited. Although He Xi's ideas are the mainstay, they also condense the wisdom of many people, after all, even if any idea is correct, there must be a localization process.

Yang Shiqi was silent for a while, and said: "Your Excellency's idea is an extension of Liaodong Bank, and the lower officials can't come up with any ideas. It's just that, there's one thing, I don't know what adults think. What is the position of this banking department in the imperial court? ”

He Xi didn't understand what Yang Shiqi meant for a while, and said, "Positioning? ”

Yao Guangxiao already understood. said: "It's not like the yamen." ”

Yao Guangxiao said while glancing at Yang Shiqi and looking at Yang Shiqi a few points higher.

Yao Guangxiao's talent is spying on people's hearts, whether it is military or political struggle, it is Yao Guangxiao's strength. However, in terms of political construction, it is not what he is good at. On the contrary, it is not as clear as Yao Guangxiao's.

He Xi didn't understand at first, but after being reminded by Yao Guangxiao, he finally understood.

This banking division can be said to be incompatible with the entire Ming Dynasty.

Even, it is even more different than the industrial system of Liaodong.

The so-called factories in Liaodong are all connected with bulk goods and large buyers. There is no sales pressure at all, and there is no pressure on margins. Therefore, these factories are more like yamen in their way of doing things. Otherwise, there will be no such thing as a factory director who will use the entire factory as a harem.

In fact, this kind of yamen atmosphere is not a special case, but a normal state of affairs in this era.

The chief officer has absolute control over the subordinates.

This is not the case with the banking division.

The banking department, in essence, is a bank with the right to issue notes, and it manages the flow, the money of its activities, and the degree of refinement of its management is higher than that of almost all the yamen used in this era. Not to mention, you also have to decide how much money to print and so on.

There's too much going on here.

It is somewhat incompatible with the entire political system of the Ming Dynasty.

Yang Shiqi reminded of this.

It is impossible for this institution to be placed in a place, to be placed in the center, and there is no place. Even if the head of the household department does not control the banking department, it will not be able to talk about the financial center of the Ming Dynasty.

This is not what Yang Shiqi said.

After all, the framework of the Ming court is not fixed. Zhu Yuanzhang is still there, he can change it at any time, and it's nothing. The problem is that if the banks can do it, there is no room for manoeuvre.

It was not the bank, a modern commercial style of administration, that brought about a new reform in the management of the imperial court. Or, it is the bank department that is in the dark, and the people behind He Xi and He Xi are also in the crowd.

It's just that what Yang Shiqi said was a little subtle.

He Xi was silent for a while and said: "There are no regulations in the world, what should the yamen look like." Don't go that far, start with what's in front of you. He Xi knocked on the blackboard and said, "Is there any problem?" ”

Yang Shiqi said: "Naturally, there is no problem. The problem lies in the ratio of reserves to issuance, the figures for these activities. ”

He Xi said: "Then, let's move on to the next question." How to exchange treasure money for silver tickets? ”

As soon as He Xi's words came out, everyone was stunned.

He Xi's idea has always been hidden in his heart, not that he doesn't trust them. Now you can't be careless when you do big things. And these people know in advance, and it's useless. Now the banking department is also completed.

First of all, He Xi set up a shelf in Beijing by himself, and got a group of skilled hands from Liaodong.

The whole framework is there, and there is no shortage of people at least. With concrete execution capabilities. If the previous idea was just an idea, now at least it is not a pipe dream.

Secondly, the money from Nanjing also came. At least it's not rice-free.

In addition, the preparatory project for the Beijing City Project has already begun. The silver ticket has already flowed into the construction site in Beijing. Although the number is not large, and even the flowing ones are Liaodong silver tickets, it can be said that the old tickets are not new tickets.

And the big investment and big project are ready.

Therefore, He Xi felt that the time was ripe for silver bills to replace treasure notes, so he was willing to tell everyone.

Yao Guangxiao was silent for a while, and said, "My lord, the exchange of silver tickets for treasure banknotes is exchanged for face value or actual value." ”

He Xi said: "Actually, Your Majesty wants to exchange it according to the face value. But actually? Unlikely. ”

Yao Guangxiao said: "It's simple. Needless to say, it is allowed to exchange treasure money for silver tickets. Just collect the treasure money and print the silver ticket. Fix a price, prepare for a period of time, wait for less money on the market, and then determine a deadline. I don't change it after that. New banknotes for old banknotes, that's it. ”

In fact, the Song, Jin, and Yuan dynasties also had a lot of experience playing with banknotes.

For example, the exchange of banknotes, it all comes about like this.

It's all a certain rule.

He Xi was silent for a moment and said, "I always feel that something is wrong. ”

Yang Shiqi said: "Mr. Yao is generally good. But the problem is in the details, how many treasure banknotes does Daming have? How much principal do we have here. Now the principal of 6 million taels, even if it is 1 to 10, 60 million taels of tickets will be issued. Can I redeem all the treasure money? ”

"That's the point."

"What's more, the money given by the imperial court was used to build the city of Beijing and to run a factory. Put all 60 million taels into it. What do we do with it? Can the city of Beijing rise out of thin air? ”

"That's the point."

He Xi said: "Yes. That's the key. ”

Yao Guangxiao shook his head and said: "This is just a trick, a sum of money, you have to fill in several accounts, I don't know what you are going to do." But I want to break my head, and I can't figure out how this scene is going to change? ”

Yao Guangxiao's words are the same idea for everyone.

On the contrary, He Xi's eyes were blazing, and he thought of a lot of things. Although He Xi hasn't thought of a way yet, he understands at least one thing, in the final analysis, this is still a matter of money, it can be regarded as paying off the old account to the Ming court, and this debt has been discounted too much.

When it comes to money, He Xi is not afraid.

He Xi has a way to make money.

Money is not a problem.

He Xi said: "The issue of money, don't think about it first. Think about one thing first, that is, what should I do about this one thing? How much capital is needed. How do you do that? ”

Yao Guangxiao said: "This is a question, that is, how much money was issued by the imperial court, even if it was at the market price, how much silver was needed?" Right. ”

He Xi nodded and said, "That's right." Then He Xi nodded to Tie Xuan, who was sitting on the side.

Since He Xi has this thought, he naturally has this preparation. He had already assigned Tie Xuan a task, that is, to count the total number of Daming treasure banknotes issued. It's not that hard.