Daming Town Haiwang

Chapter 2020, still want to play the previous official business routine?
"Huihai Bank?"

"Investing [-] million taels of silver is really a big deal. It seems that all these conservative officials are rich."

Liu Jin in his hometown received relevant information immediately.

"I have to issue banknotes and silver coins myself. This is to rob me of the right to issue banknotes from the First Bank of Ming Dynasty. I have a good vision, but I am looking for a dead end."

"We must find a way to focus on the point of Huihai Bank, and directly let the conservative officials like them be bled dry at one time."

Liu Jin thought quickly in his mind, these conservative officials are gaining power now, which means they are making efforts in various fields.

There are a large number of newly established factories, commercial firms, etc., which are constantly robbing the sales and business of many industries under their command. These people are really fearless.

It doesn't matter whether these industries have the share of the emperor and the prince. Seeing meat is like a shark smelling blood. It seems crazy and unscrupulous.

For example, in the oil field, everyone is now competing fairly. In the competition of oil fields, the one with the highest price wins. Even the Daming Petroleum Company has always abided by this market rule, even though it is the current giant in the oil field, and even It can be regarded as having formed a monopoly advantage.

But he didn't use his power to overwhelm others because of his size. He paid out a lot of the money that should be paid, and everyone was willing to cooperate with Daming Petroleum Company.

As long as these oil exploration teams find oil, the first thing they think of is to sell it to Daming Petroleum Company, because Daming Petroleum Company is fair, innocent and guaranteed.

However, Rushang Petroleum, which was newly established in the past few months, is overwhelmed by power. Relying on the power held by the shareholders behind it, they often buy and sell shamelessly, which makes those oil exploration teams miserable. .

The oil fields that have been explored through hard work, I thought they could be sold at a good price, but in the end they were forced by various means and could only be sold to Confucian Petroleum. There is no profit.

What Confucian Petroleum has done is only a small aspect of these conservative officials. Now that they are in power, they are vying for interests in almost every field.

As latecomers, if they want to snatch benefits, they often use unscrupulous means. Using power for personal gain and using power to oppress others are their most used methods.

The price of raw materials is deliberately lowered for you, and you are not allowed to sell it to others, but only to them. They often make a lot of money just by passing it.

The major ocean-going trading houses are also forced to sell products from their factories first, otherwise all kinds of troubles will come to your door and you will have no peace.

Sometimes it even takes us by force. What if we don’t have factories or firms?
Directly snatch other people's factories and businesses, and use various methods to make it impossible for you to continue to do so, so you can only sell them to them at a low price.

All of a sudden, there was anger and resentment, and a miasma. The business environment, which was originally good, just made these people toss and start to mess up.

In the past, everyone relied on their ability to make a living. Whoever has low cost, good quality, and low price will naturally sell better and have better business. Now everyone is at risk, especially some small factories, small businesses, and small workshops. Yes, you have to worry about whether you are being targeted by someone or if you will be taken over by someone.

The days are much sadder than before.

Liu Jin knew all these things clearly.

"Humph!"

"The routines played by these conservative officials have not changed at all from before."

"It was the same in the past. Relying on the great power, the power colluded with businessmen to form officials and businessmen, specializing in this kind of monopoly business."

"Food, cloth, and salt are the representatives. A small amount of salt can make these people a rich salt mountain."

"The emperor's court is poor, and the common people are also poor. Only rich salt merchants and grain merchants like them."

"If Daming really lets them play like this, what progress can this technology make? What hope is there for this society?"

Liu Jin's face is not good-looking. These people are still continuing the routine of the salt merchants and grain merchants in the past. They have power in their hands and rely on it to make profits for themselves. The way they get rich is not to abide by market rules, but to Rely on power to form a monopoly, and rely on monopoly to obtain huge profits.

The final result is to return to the previous situation. Both the emperor and the court are poor, and the common people suffer from high prices of grain and salt.

Then these wealthy big families desperately send their children to study, take the imperial examinations and become officials to serve their family's industry, or continue to subsidize those scholars, make marriages, etc., and finally form a top-down power Occupy, constantly consolidate their own interests.

He didn't realize that the former Ming Dynasty was already going downhill, the people were in dire straits, the state treasury was empty, and they couldn't do anything, internal and external troubles, and repeated humiliation.

This is definitely something that Liu Jin will not allow to happen again. I have worked hard for more than 20 years, and it is not for a strong Ming Dynasty.

If you really let them continue to toss like this, after their industries occupy all walks of life in Ming Dynasty, don't think about it, the next thing they have to do is to abolish the commercial tax, because the taxation points out that it accounts for a large part of the commercial firms and factories. expenses and costs.

They will also be the same as before. They definitely don't want to pay this tax. As for whether the court has money or not, it has nothing to do with them.

It is better if the imperial court has no money. Without money, the emperor can't do anything if he wants to toss about it. Only when he has no money can the emperor be under their control.

The emperor who is rich is not easy to control, because when he is rich, the emperor can always do what he wants to do, instead of listening to them and staying in the palace honestly.

As for being bullied by other places, these are not important. Anyway, there are some minor problems in the border areas, which will not affect their status, nor their wealth and business.

This is the old school officials, and it is also the characteristic of traditional officials and businessmen. They only serve their own interests, and only do things for the interests of their own families. As for the court, the people, and the emperor, they don't care about it.

Sometimes they even hope that there will be more chaos, because only in chaos can they better protect their own interests and consolidate their business and industry.

"Huihai Bank, take this bank as the core, and completely let go of you conservative officials at once!"

Liu Jin thought quickly, thinking about how to bleed these conservative officials with the bank as the core point.

In Liang Chu's mansion in the capital, Liang Cixi was discussing the Huihai Bank with his father.

"Father, our Huihai Bank's business cannot develop now, and no one comes to save money, and no one comes to take out loans."

Liang Cixi looked very helpless.

Crouching Tiger, Hidden Dragon is a place in the capital, and there are a lot of big people. It is far from a small place like Foshan, Guangzhou. He can't rely on tough methods to do his own business and increase his property and wealth as before.

If it is placed in Guangzhou and Foshan, it would be shameless to open banks, commercial firms, factories, etc., and directly lead people to seal up and smash these factories, commercial firms, and the like.

But this is the capital, and the owners behind large and small factories, commercial firms, etc. are all dignitaries from the ruling and opposition parties. Behind any factory, there may be shares of some officials from the DPRK and China.

Although his father Liang Chu is already a minister, and he is very hopeful to enter the cabinet in the future, he still dare not be too arrogant and domineering, and can only do things according to the rules.

But in this way, the business of these industries under his command has no color, especially Huihai Bank, the business is very difficult, no one deposits, no one loans.

"Have you figured out what the reason is?"

Liang Chu thought for a while and asked.

"The main reason is that we have too few branches now. Currently, only Beijing and Tianjin have branches, and the branches of the First Bank of Daming have spread all over the entire Ming Dynasty and even overseas vassal states, vassal states, colonies, and even Egypt. China, Persia, the Ottoman Empire, Spain, etc. all have branches of the First Bank of Ming Dynasty.”

"This greatly facilitates the allocation and use of funds by customers of Daming First Bank. We have few branches, which means that we can only conduct allocations in Beijing and Tianjin."

The most feedback Liang Cixi has received so far is that Huihai Bank has too few branches, which is not conducive to the use of funds.

"If there are few branches, then open more branches."

"As many branches as the First Bank of Ming Dynasty opened, we will also open as many branches as the First Bank of Daming, and we will open them near or opposite the First Bank of Daming, so that everyone can know the strength of our Huihai Bank."

When Liang Chu heard this, he said without thinking.

"But in that case, the investment will be very large, especially since we don't have any business at present. Such a large-scale investment will require a lot of manpower and a lot of money."

Liang Cixi said immediately after hearing this.

It is not an easy task to open a branch. A bank needs to have a facade, a magnificent building, special decorations, a large number of manpower, etc. All of these need to be invested in.

"Don't worry about the money and manpower. Huihai Bank is behind the princes of the court. Is there anything that can't be solved?"

"The investment is very large now, but after it is put into operation, the income will be very large, and a steady stream of money will flow in like the water of the Yangtze River."

Liang Chu didn't care about these things, didn't he just want money and manpower, what's the difference?
It depends on the long-term and sees the huge role of the bank. After this is done, when money generates money, the silver can never be used up.

(End of this chapter)