Chu Zhen gave them a general explanation of the functions of modern banks.

Of course, many functions of modern banks cannot and do not need to be realized in Daming.

For example, inter-bank and non-local withdrawals.

Without the means to quickly synchronize data, it is cumbersome to withdraw money across banks and places.

Ordinary people in Daming do not go far away, and the banks in the county can fully meet their needs for loans and deposits.

Merchants deposit and withdraw more money in different places.

There are also solutions, local banks and the central bank communicate regularly, hand over money and bills to each other, and the central bank acts as a transit station to send to local banks in Daming.

Considering the ancient transportation, it may take a month to withdraw money from place B after saving money in place A.

Considering the issue of fraud and forgery, the merchant needs to register specific information, where the money will be withdrawn, and guarantors are required for large deposits and withdrawals.

As long as paper money is not issued indiscriminately and the banking system is established, there will always be people who can think of solutions.

After Chu Zhen finished speaking, he answered some of their questions, and wanted to finish, but Zhu Biao called him again and talked to those businessmen alone.

"Are you Shen Wansan?"

Coming to the side hall, after being introduced, Chu Zhen looked at an old man who was nearly eighty years old, with a gray beard, but in good spirits, and was a little surprised.

This is a legend.

"The old decay is Shen Xiu."

Shen Xiu, who used to be the richest businessman in Jiangnan, stood up and replied with a smile after being named by Chu Zhen.

Chu Zhen glanced at him twice and said with a smile: "You really shouldn't come to the palace at such an old age." ”

Shen Xiu respectfully arched his hand in the direction of the Huagai Palace, and said: "The Holy Lord has gracefully pardoned the old man and was able to return to his hometown from Yunnan, and the old man heard that it was Chu Zhenjun who mentioned it, and the Holy Lord issued a decree to allow the merchants in the Jiangnan area to return to their ancestral hometown, so he ignored the old and disabled body, and came to Yingtianfu to thank Chu Zhenjun!" ”

As he spoke, Shen Xiu stood up and saluted Chu Zhen.

After Zhu Yuanzhang killed Zhang Shicheng, he came to a wave of merchants in the Jiangnan area and ordered them to move away, so that this group of wealthy businessmen could go to a sparsely populated place and settle down.

Chu Zhen attached great importance to business, and after proposing the policy of opening the sea, Zhu Yuanzhang allowed some people in each family to return to their ancestral hometown and start business again.

Shen Xiu was taken back to Jiangnan by the children of the Shen family, and after resting for a few days, he came to Yingtianfu again to thank Chu Zhen.

Not only was he pardoned, but the Shen family and many businessmen were able to return to their ancestral hometown.

"Sit down, old gentleman."

Chu Zhen asked him to sit down again.

The Shen family is not as good as before now, but the Shen family is still useful when it comes to buying horse bones.

Chu Zhen glanced at Zhu Biao, Zhu Biao understood, and smiled at everyone: "I invited Chu Zhenjun to come, I still want to hear some of Zhenjun's words about the bank, how to establish the banking system!" ”

Many businessmen looked at Chu Zhen one after another.

They can come here because they have a certain amount of financial and human resources, and they are interested in opening several local banks.

Chu Zhen said: "You must know better than me the details of bookkeeping, transportation, mortgage lending, etc., I will only talk about some of the central bank's constraints on local banks, as well as some shortcomings of local banks." ”

He didn't really have much to say.

If a local bank wants to set up, it must first win over the local large households, and the bank lends money, robbing the interests of the Ming landlord class, but it will lower the interest rate and benefit the ordinary people.

Now only the merchants came, but they had to win over a part of the noble and bureaucratic class before the local banks could be opened.

Chu Zhen said meaningfully: "What I'm worried about is that the banks in the county set very low interest rates, but when the money arrives in the countryside, the interest rate will increase several times, if this is the case, then the bank's lending business will be useless."

As for how to solve the problem, it has to rely on the supervision of the Ming officials, and rely on the salesmen sent by the local banks opened by you, that is, bank guys and tellers, to go to the countryside to concentrate on the whole village to do it. Remember the disadvantages of the Seedlings Law, and don't force it. ”

There was silence for a moment.

Zhu Biao bowed to Chu Zhen and sighed: "After listening to Mr. Chu's measures, I already know how to formulate the regulations of the central bank!" ”

All the businessmen also patted their ass, and Chu Zhen smiled at it.

When it was over, the crowd left the side hall.

Chu Zhen asked casually: "Now that the Ming Dynasty has been founded for more than ten years, Your Majesty and the crown prince have supported you in business, opened the sea and banned the construction of banks, I don't know what you plan to do?" ”

The merchants replied that everything from porcelain and silk to buying and selling rice was a regular business.

However, the eldest of the group of businessmen, that is, Shen Xiu, said with a smile: "I was right to come to Yingtianfu, and when I came to Jingshi, I realized that Chu Zhenjun had passed on many crops from the fields to the common people, and His Majesty also attached importance to corn and sweet potatoes.

I also went to the field to buy some and tasted them, tomatoes, peppers, corn, etc., all of which are fresh and delicious, and are very suitable for spreading these crops to various places, or selling seeds, or planting and harvesting and then selling. ”

The merchants looked at him.

This business opportunity sounds good!

Chu Zhen looked at the crown prince Zhu Biao: "This is called an agricultural company in our place, and it is tax-exempt." ”

Zhu Biao said with a smile: "During the Lichun Harvest Ceremony, my father had already exempted the tax on new crop seeds and harvest sales for five years. ”

"Not bad."

Chu Zhen laughed.

All the businessmen complimented Zhu Yuanzhang one after another, saying that the saint was merciful and saintly Mingyunyun.

Chu Zhen looked at the sky and said, "There is still some time today, I plan to go to the city for a walk, and by the way, take a look at the vegetable and corn fields outside the city." I'll go alone, prince, you're busy. ”

Zhu Biao thought for a moment and said, "I'll let King Yan accompany Mr." ”

As he spoke, he called a eunuch over and ordered him to send someone to inform King Yan immediately.

Shen Xiu was quite moved, and tried to ask: "The old man also wants to take a closer look at how corn and sweet potatoes are grown, I wonder if I can have the honor to walk with Chu Zhenjun?" ”

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Chu Zhen nodded and said, "The old gentleman is strong, so let's go and have a look." ”

The rest of the merchants said they were going with them.

Chu Zhen agreed.

On the way, the merchants brought a group of servants to Chu Zhen and Zhu Di like stars and moons, and came to the outside of the city together.

In one farm, many farmers are carrying buckets to water their vegetable fields.

It's July, and the vegetables are just planting for the second round, and a large area is green, and there are all kinds of vegetables.

And because it is planted with precious corn, sweet potatoes, peppers, etc., this farm is guarded by special personnel.

Chu Zhen got off the horse and talked with them, and sure enough, like the Tang Dynasty, the price of the first batch of crops was higher than gold, and a ripe tomato could be sold for fifty yuan.

Considering that what they are talking about must be Daming treasure banknotes, it is about equivalent to ten yuan of a tomato.

"In the next two or three years, these vegetables can still be sold at a price, and after more people grow them, the price will drop, so that ordinary people can afford to eat scrambled eggs with tomatoes occasionally."

Chu Zhen said to Zhu Di next to him, as well as a group of businessmen.

"Our owner also said that it is to make money for two or three years!"

The farmer interjected on the side, pointed to the vegetable field that had just grown, and said with a smile: "No, the owner also bought the guano that Yanwang brought back from overseas last month. ”

Chu Zhen glanced at Zhu Di and asked the farmer with a smile: "How is this guano effective?" ”

"It's good, it's just too expensive, and it can only be used in these crop fields that Chu Zhenjun brought down to increase the harvest by two or three percent!"

"That's not bad, King Yan has done a great thing."

"Hahaha, His Royal Highness King Yan also learned that there is guano island overseas after listening to Chu Zhenjun's words, and so are we, who would have thought that there are so many guano on this island? The fertility is still so good! ”

The peasant said with a smile on his face: "The imperial court is building a big ship to dig guano at sea, if you can dig more, the people's fields can also be sprinkled with guano, and you won't be afraid of starving!" ”

"Yes." Zhu Di nodded, "Guano will keep digging." ”

The peasant did not know his identity, but thought that the group were all foreign merchants, and after a few small words, he left.

Chu Zhen rode a horse and continued to walk forward with Zhu Di, Shen Xiu and other merchants.

Zhu Di arched his hand at him and sighed: "When I just heard that I was going to dig guano, I still questioned in my heart, what is the difference between this guano and ordinary fertilizer?" Why bother going to sea to dig it.

After the bird droppings were sprinkled in the field, and then according to the experimental method said by Chu Zhenjun, after the statistics came out, I was convinced, what Chu Zhenjun said was true! ”

A group of businessmen have seen a business opportunity!

However, at present, the imperial court has temporarily promulgated that private ships are not allowed to dig bird droppings without permission, and after deciding how to collect taxes, the development license will be given to the private sector.

Chu Zhen said: "The reason why struvite is good is because phosphorus, which plays a key role, has been deposited for tens of millions of years. ”

He did not explain what phosphorus was, and said: "There are not many struvite islands in the sea around China, and there is an island overseas, and the struvite stones on it are piled up, enough to dig for a hundred years." ”

"What's the island called?"

Zhu Di couldn't help but ask, and Shen Xiu and other businessmen also looked at him.

Chu Zhen said with a smile: "There are probably no people on the island now, you can call it whatever you want, but it's a pity that it's a little far away." ”

Zhu Di nodded silently.

"In fact, there are many treasures overseas, not to mention minerals, that is, cultivated land, and there are many places with better cultivation conditions than China.

For example, on the Tianzhu side, most of them are plains, and there are many places suitable for arable land.

On the other side of the world, for example, the arable land is even more enviable, suitable for large machinery, and the five major lakes store large amounts of fresh water.

And to the south, there is the largest forest in the world, and the golden silk nanmu is used as firewood. ”

The crowd looked at him in shock.

It is said that there were many more in the Han and Tang dynasties, but nowadays, even the big wood suitable for the palace has to be found thousands of miles away, and then thrown into the river to transport it back.

But in other parts of the world, the golden silk nanmu is burned as firewood......

Chu Zhen took out his mobile phone and opened the map to show Zhu Di, although there was no network, he could still see the world map after zooming out.

“…… These are the oceans, and this large chunk is land? ”

Zhu Di was deeply shocked.

Of the "earth" that Chu Zhenjun showed him, Huaxia accounted for only a small part, and the rest had a wider world, plains, forests, and Antarctica, which was covered with thick ice and snow.

"Yes." Chu Zhen nodded affirmatively.

"What's this called?"

"Our name is America, but if the Ming people arrive first and survey and depict its general shape by scientific methods, it can be named something else!"

Zhu Di looked at the world map repeatedly.

Chu Zhen patted him on the shoulder, "If the Ming people can gain a firm foothold here, in a few hundred years, the first people to set foot here will go down in history." ”

He wanted to see that hundreds of years later in this time and space, the Americas were where the Chinese people lived!

If Zhu Di can accomplish this feat, don't want the temple number of Ming Chengzu!

Good for a while.

Zhu Di returned the mobile phone to him, shook his head and sighed: "It's too early to say this, wait until I finish leading the troops to fight Yunnan's Zaravarmi, and then go back to Beiping to lead the troops to Liaodong, and then talk about these battles!" ”

Chu Zhen laughed, "It's not easy to remember this string of names. ”

Zhu Di smiled slightly and went back to Yingtianfu with him.

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