Chapter 19: Three wins

In other words, in terms of the different attitudes of Beijing and Nanjing towards Nanyang, Nanyang prefers Beijing to win. Because they know very well that the rulers of Nanjing actually do not pay attention to overseas. After Zhu Yunwen ascended the throne, he almost never asked about overseas affairs, even if he paid attention to overseas, it was better to pay attention to the attitude of overseas vassal kings towards his accession to the throne than overseas.

And not overseas interests.

Nanyang Bank is their overture.

Korea Bank is a bank established by He Xi, and the four feudal lords of Japan have all invested in it, representing the interests of Goryeo and Japan. It was not only to appease the four feudal kings of Japan, but also to tie these people to the chariot of Beijing by economic means.

There are also Shanxi Bank and Hebei Bank.

On both sides are regional banks. It was a joint effort between businessmen from Hebei and Shanxi. And it is ridiculous to say that among the banks in Hebei, Shandong has the most people. Without him, too many businessmen in Shandong, which was taken after the Great War between Hejian last year, have moved to Beijing. Without him, after the repeated ravages of the Southern Army in these places, they knew it. What's the war all about? I don't dare to stay in the local area. Seeing this, the wealthy in other parts of Shandong also made preparations. Look at the book

Elsewhere there may be other ideas about the war between the north and the south, but Shandong and Hebei are the main battlefields. They know best.

They clearly saw the decline of Nanjing.

Some are betting on Beijing, some are betting on both sides, but Hebei side, after a year of war, although some businessmen make money, but the vast majority of them do not have much money, so that Hebei Bank Shandong people are the majority.

After all, most of Shandong is under the control of Nanjing, and they dare not blatantly play the name of Shandong Bank.

The Bank of Shanxi is similar to the Bank of Hebei.

To be honest, there are quite a few businessmen from Shanxi in Beijing. After all, when the Ming Dynasty conquered the north, that is, Shanxi had the largest population and the thickest foundation. At the beginning, the immigrants all came from Shanxi. And Shanxi people themselves are good at business.

In later generations, the southern merchants were prosperous, but the Jin merchants were also famous.

However, although there are many Shanxi businessmen involved in Shanxi Bank. But there is another important person involved, it is none other than King Yan.

In fact, Yan Wang himself did not participate. After all, if Yanwang really wants to participate, he can directly build a Yanwang bank. And the person arranged by King Yan in Beijing intervened. Without him, the connection between King Yan and Jingshi was mostly presided over by Liaodong merchants at the beginning. But after a long time, it will not work.

Because King Yan's journey is too far.

Even He Xi's Xuanyang is also operating in the Northeast, unlike following King Yan's army and going all the way to the Western Regions. The people of Shanxi were not afraid of hardship, and became the merchants of King Yan's army, and followed King Yan's army to the Western Regions step by step.

Helped King Yan a lot.

Thus gradually replacing the status of the merchants of Liaodong in the Yan Kingdom.

For the sake of profit, these merchants even dared to cross the Hanhai Sea and transport supplies to the army of King Yan. Even at some point, he didn't mind taking out his firearms and following the Yanwang cavalry to fight the Mongols.

In this way, it is natural that Shanxi merchants occupy the internal market of Yan State. As for the merchants of the Liaodong family, probably because of He Xi, there are too many opportunities to make money. Under the influence of He Xi, most of them are willing to engage in science and technology and factories. Engage in production. And unwilling to endure this hardship.

As for how the Shanxi businessmen let the people of King Yan interfere. Anyway, with the support of Yan Guo, the capital of Shanxi merchants immediately became abundant.

In this way, the four major official banks, Hubu Bank, Bank of Communications, Customs Bank, and Royal Bank. Six private banks. Liaodong Bank, Suzaku Bank, Nanyang Bank, Korea Bank, Hebei Bank, Shanxi Bank. It's kind of established.

In fact, for now, the strength of the official bank is far above that of the private bank. But this scale will be difficult to maintain in the future.

And the establishment of this pattern is not the first to hit anything else. Rather, it is pawnshops and pawnshops everywhere, and private usury.

After the issuance of the New Bank Decree, He Xi drafted and Zhu Xiongying signed the ban on usury, which was also announced, and He Xi even organized a meeting in the cabinet to initiate a campaign against usury

Crack down on loans.

Originally, the Hongwu Decree only limited the management of usury to the excess of interest over the principal. There are also some other provisions. There is no penalty for lending per se.

From this moment on, it is illegal for private people to lend money. Borrowing money between relatives does not count as interest and does not count as a loan. Once there is interest, it is considered a loan. Penalties are imposed when a certain number is reached. and if the amount is very large, the death penalty can be imposed.

If you want to get a loan, you have to go through a bank.

And the interest rate of the bank must be consistent with the interest rate set by the imperial court. Failure to do so is a revocation of the bank's qualifications.

In this way, a storm spread throughout the jurisdiction of the imperial court in Beijing was disliked.

There has always been such a thing as usury, after all, the imperial power does not go to the countryside. The imperial court did not have so many manpower and material resources to verify it one by one. Moreover, the so-called strike hard seems very simple, but it is actually very difficult. If you don't have enough execution, it's a joke. The thunder is loud and the rain is small.

He Xi is the right one this time.

Without him, these banks naturally want to make money at such a big cost.

On the one hand, the banking business makes money, and the banking business is naturally the interest rate difference between loans and deposits. On the other hand, it is to use the cash flow of the bank. After all, it was particularly difficult for Daming Bank to obtain financing before, with so many regulations.

Now that I have my own bank, it's much easier to do anything. It's easy to do anything.

What? It is illegal to use bank funds to develop one's own business.

Sorry, there is no banking law yet.

All he wants to see now is brutal expansion, and only in this way can he raise enough money to support the war machine. After the world is conquered in the future, there will naturally be enough funds to fill today's holes.

Of course, as for what they did.

He Xi couldn't wait.

Most of the strange regulations are because there are really some strange things done in history, and the law is like this. On the one hand, He Xi doesn't know the specific laws and regulations of the banking industry, after all, He Xi himself doesn't know that he is easy to cross, so he naturally doesn't have these things in his hands. On the other hand, even if He Xi has it, He Xi proposes it first, is it so easy to pass?

People always have to suffer a loss to know that it hurts.

Therefore, He Xi also needs one or two cases to warn the world.

How these people use bank funds to reduce their financing costs and expand savagely, He Xi doesn't care. But on the other hand, there is the banking aspect. If usury is allowed to run rampant, it is actually encroaching on the bank's production space.

Prior to this, the Daming government bank was actually not lower than the county, and it was too high. It is impossible to compete with private loan sharks, so that these old men in the bank yamen go to the countryside to lend money, and think beautifully. But private banks don't care about this, as long as there is a profit, someone will do it.

And He Xi doesn't like the private loan sharks, not for a day or two. After all, in He Xi's view, the private usury itself was a financial means for the landlords to exploit the peasants. Because of this, any order issued by the government is in vain. It is simply impossible to prohibit private usury.

It's nothing more than a gust of wind, and after a while, it's a resurrection.

But that's no longer the case. The new bankers of the Ming Dynasty are waiting to be fed, and they are really trying to find a way to get back blood. And the decree given by He Xi, where is it for the prefecture and county to do it. In fact, let these bankers do it.

Only another class can defeat one class.

The imperial court is actually powerless in this. It is impossible to go to the countryside to check one by one, and the imperial court does not have such manpower and material resources. And these bankers have. And if you kill a loan shark, they will have a market.

They are very motivated in the face of money.

In this campaign.

The court got the dirty, and the usurers naturally had the capital. Most of the landlords in the place. It was enough to make up for the financial gap of the imperial court, and the people got low-interest loans, so that the people were freed from the law that once they borrowed, they would inevitably sell their children and daughters and could not afford to pay it back. Although this interest rate is not low now, it is at least much better than that of loan sharks. Bankers have gained the market. and even deposits.

The nascent bank stabilized.