Chongzhen felt very sad.

Everyone is the emperor, look at the emperors who are the ones who are Miqing.

Kang Mazi, the guy with a small flaw, had a private visit every day, and didn't see any serious business this guy did. He visited all the way through private visits and flirted with girls.

Qianlong, the guy who is of Han ancestry but is impossible, was also slutty every day and went down to the south of the Yangtze River at any time. First there was Xia Yuhe on the banks of Daming Lake, and later there was a nine-year-old son. He used this son's name to be named a county magistrate.

Of course, they are the emperors of Mi Qing. No matter how nonsense, they are all wise rulers. Our Emperor Chongzhen cannot compare with him, but Is it okay to be the Emperor Zhengde, who is also the Emperor of Ming Dynasty?

The result is nothing compared to it. Emperor Zhengde's father is very powerful, and the family property is rich and the ministers are very powerful. Therefore, Zhengde can also go to the south of the Yangtze River to make a wave.

Let’s look at Chongzhen again? My father was not good enough and died in one month. The emperor also lost his links. It was only seven years ago and he hadn’t figured it out yet, so he died. He threw this mess down and gave it to Chongzhen.

Including Chongzhen's father and Chongzhen's brother, the national treasury left millions of taels of silver. In addition to describing the ministers, Chongzhen could not find any more suitable words - they were not as reliable as eunuchs. What did there be a saying? The civil servants of the Ming Dynasty depended on them, and the sows were all on the tree?

Chongzhen is very unbalanced now. He can be a slut when he is an emperor, but it is his turn to be an emperor. In order not to hang himself on the old crooked tree, he has to work diligently! He can't just do whatever he wants!

Look, Chongzhen looked at Shi Fenglai and Guo Yunhou in front of him, and felt a headache again.

These two people are here to ask questions about the Royal Bank of Ming Dynasty and Minsheng Bank of Ming Dynasty.

The problem is that Emperor Chongzhen, who had traveled through time, was just a wild programmer and didn't understand what the bank was doing. Even the bank's business system was not something that he could access. It was said that they were all cross-platform high-end products.

Fortunately, although I had never seen a pig run, Emperor Chongzhen had eaten pork. Before he traveled through time, he had not paid off the mortgage loan he borrowed from the bank.

Chongzhen said: "For this banking matter, first, it is to absorb private silver, and secondly, it is to lend.

The so-called attracting private silver is to attract the people to deposit the silver into the bank. Not only can the bank not charge a storage fee, but also needs to pay interest to the people on a monthly basis. If the people do not win, the interest will be included in the deposited silver, which will be converted into principal, and the interest will continue to be calculated."

Guo Yunhou was curious, "Your Majesty, if the people do not withdraw silver, the interest will accumulate more and more, and the principal of the cashier will be more and more. How can the banks afford it? Even if they lend, how can they recover such a lot of interest? If someone borrows a loan and does not repay it, what should they do?"

However, Chongzhen smiled disdainfully. Someone who repays his mother dared not pay back the money he owed me? Is it impossible for me to be a Jinyiwei to be a decoration? He said to Guo Yun kindly: "The people deposit one tael of silver, assuming that the monthly interest is one cent, lend it to those who urgently use money, such as merchants who want to do big business or need a 2-inch silver turnover, and every tael of silver can charge their monthly interest ranging from three to five cents. In this way, there is the silver to pay the people's interest, and the bank's profits are in the middle.

As for someone who borrows a loan but doesn’t repay it, the loan requires someone to guarantee or have a mortgage, such as shops, fields, antiques and other valuable things.

Secondly, aren’t there any Jinyiwei? Anyway, the people will not borrow from banks easily, and even if they borrow, they will not borrow much.

If a merchant is unable to repay the loan after it expires, he will take the mortgaged property to the bank and will not ruin the account.

If they can repay without paying it, no matter who is standing behind them, let the Jinyiwei go to them to ask for it."

Shi Fenglai said, "Your Majesty, after all, there are many nobles in the Ming Dynasty, what if so?"

Chongzhen said: "Let them borrow money, I want to see who dares to owe the royal silver and refuse to pay it back. Those who dare to rely on the debt will be reduced to the vassal kings and nobles will be given the title!"

Guo Yunhou continued: "Your Majesty, this has solved these two problems. There are only two more difficult problems. I hope your Majesty will give you guidance."

Chongzhen was very curious. If these two problems were solved, what else would there be? He said kindly to Guo Yun: "Your dear, come and listen."

Guo Yun said honestly: "First, is how to attract the private people to deposit silver into the bank? After all, this has never been seen before the Ming Dynasty. Even the bill number is only created by merchants for their own convenience. As for the second, it is that no one borrows, what should we do?"

Chongzhen pondered for a moment and said, "I will take the lead in attracting the people to deposit silver. After the bank is established, I will order the palace to deposit silver into it. I believe that some people will follow suit.

It’s just one thing, no matter what, we must first ensure that the people can withdraw their deposits at any time. Whether it is treasure money or silver, we must make good reserves. We must never see that the people want to withdraw but there is no silver on the cabinet door.

As for no one to borrow money, you can set up another yamen in the bank to find things that can make money and invest in it.

In addition, I intend to expand Changlu Salt Farm, and then let Denglai dry more sea salt and bring the salt back to the official business. Only the needs of these two salt farms will be invested by the bank, and the profits of the salt farm are divided into one layer and the bank. How about it?”

Guo Yunhou was overjoyed when he heard this and hurriedly said, "Thank you for your advice. What about pension money? What should be done with it? Do the vassal kings and nobles also have it?"

Chongzhen said: "What do they have? What else do they want? The dignified princes and nobles are all hereditary and have their own fiefs. This pension and the pension are not theirs."

Shi Fenglai suddenly remembered something and asked again: "Your Majesty previously said that the Royal Bank of the Ming Dynasty specializes in printing treasure banknotes, and the Minsheng Bank of the Ming Dynasty specializes in operating it. Why not combine the two into one? It is better to manage it?"

Chongzhen thought to himself that although there were banks in later generations who could issue banknotes and handle financial business, the moral integrity of the Ming officials had long been lost. I dare to let you be both referees and athletes with confidence?

Thinking in his heart, Chongzhen said to Shi Feng: "In my conception, the Royal Bank of the Ming Dynasty is the foundation. One is to print treasure banknotes, and the other is to see more banks appear in the future. For example, the Ming Construction Bank will be responsible for the construction investment of bridges, roads and city walls in various parts of the Ming Dynasty. At the same time, it can also absorb private silver and lend money.

There is also the Industrial and Commercial Bank of Ming Dynasty, which is also used to lend money to craftsmen's workshops, shops, etc., and can also lend money.

In short, there will not be only one bank in the future. Each bank will have to cooperate and compete. The Royal Bank of the Ming Dynasty is the immediate boss of these banks and will provide guidance to them.

Didn’t the Jinyiwei arrest many people from the ticket number before, and brought them out of the imperial prison and studied with them how to do this."

After a long time of verbal talk, Chongzhen finally cleaned up all the things in himself about future banks.
Chapter completed!