Daming: Brother, there is no future for monks, let's rebel

"It's not a silver building, but a bank!" Zhu Han explained this brand-new concept, "This bank can issue gold and silver coins, and can also issue Ming banknotes. In the future, Daming Banks will spread across all cities and towns in the world. Use and circulate with gold and silver."

"What Your Highness said, isn't this the bank?" Shen Jin thought he understood.

"It's different from a bank. If you save money in a bank, you need to pay money to the bank. If you deposit money in a bank, the bank will pay the interest to the customer." Zhu Han said.

"Ah! If that's the case, wouldn't the bank be dying?" Shen Jin immediately became worried.

"The money stored in our bank, we can take it out for lending, and charge other people's interest, wouldn't we earn it back!" Zhu Han laughed.

At this time, Shen Jin somewhat understood the concept of a bank, which was completely different from a bank.

"Moreover, in addition to collecting deposits, this bank will also issue Daming banknotes. With these banknotes, you can exchange them for genuine gold and silver coins at any bank, saving you the trouble and danger of carrying them long distances." Zhu Han said.

After hearing this, Shen Jin's eyes lit up immediately.

Because issuing banknotes is a well-known profitable business.

A piece of worthless paper, with a few words printed on it and a few stamps on it, can be worth a lot of money, which is even more enjoyable than highway robbery.

If it weren't for the excessive issuance of banknotes to make money, the Mongols would not have left so quickly.

Even if there is a risk of national subjugation, the Mongols have to issue banknotes, which shows how great the benefits are.

"The banknotes issued by our bank are different from the banknotes issued by the Mongols. The banknotes issued by the Mongolians are all indiscriminate methods of accumulating money. They are no different from buying and selling by force. The banknotes issued by our Daming Bank can always be used. To exchange gold and silver, no matter who it is, as long as they hold banknotes, they can exchange them at Daming Bank!" Zhu Han said.

When Shen Jin heard this, he was immediately overwhelmed by Zhu Han's grandeur.

If the Daming Bank is run according to the model Zhu Han said, wouldn't it be able to support half of the Daming household department?

"Your Highness, is everything you said true?" Shen Jin asked.

"Of course it's true, otherwise I wouldn't have come to you. Everything is ready now, except for a big business like your Shen family." Zhu Han said with a smile.

Shen Jin immediately asked again: "But, aren't Qihai companies all over the world, can't they be used?"

Regarding this sentence, Zhu Han understood Shen Jin's inner worry as soon as he heard it.

The Seven Seas Company was founded by Zhu Han himself, and now it is managed by his second brother-in-law Li Zhen and others, and the profits paid every year can definitely be worth the tax level of a province.

The Seven Seas Company has stores all over the world, so if you want to run a bank, it is most appropriate to use the Seven Seas Company according to the reason.

"No, the bank will be an industry of great importance to the national economy and the people's livelihood in the future, not an ordinary industry. Although the Qihai Company also invests in shares, I will not let the Qihai Company affect the operation of Daming Bank. The specific personnel and industries must have The independent team of Daming Bank." Zhu Han said seriously.

Zhu Han is full of expectations for the future of Daming Bank.

Now that the business and maritime trade in Daming are getting better and better, money from all over the country has begun to pour into popular industries, instead of all investing in buying houses and land as before.

The role of Daming Bank is to make good use of this money.

Naturally, the regulatory measures must be very strict, and other firms or industries must not be allowed to affect the safety of Daming Bank.

"I won't go around in circles anymore. The Daming Bank issues banknotes. The common people were exploited by Mongolia many years ago, and this banknote is among them. Therefore, the king established this Daming Bank to take advantage of your Shen family's business name and Credibility makes people accept it more quickly," Zhu Han said.

The big businessmen that Zhu Han was looking for to cooperate with were not only Shen Wansan's family in Suzhou, but also other big businessmen in the south of the Yangtze River, Zhu Han also sent people to invite them one by one.

After receiving Zhu Han's explanation, Shen Jin readily agreed.

"Our Shen family immediately mobilized the most capable people, and then prepared a store with a high-end location, and fully cooperated with the opening of His Highness's Daming Bank!" Shen Jin said.

"Okay, you guys prepare these things first. Anyway, when the time comes, you just wait to lie down and make money. Even if you don't make much money from the business of saving money and lending money, this king can use it on the top of Xiaojin Mountain in Yinzhou. !” Zhu Han said.

When Shen Jin heard this, he immediately rubbed his hands excitedly.

In today's Daming, almost everyone knows that Yinzhou, thousands of miles away, is a continent full of gold.

There are two large sailing ships transporting gold back to Daming every year, half of which belong to the private property of His Royal Highness.

This 'Little Gold Mountain' is one of the many gold mines under Zhu Han's name.

In fact, Zhu Han's most fundamental confidence in planning the Daming Bank is the gold mine in the New World.

With these gold and silver reserves, the reputation of Daming Bank will never go bankrupt.

After gaining credibility, Zhu Han can easily realize the financial leverage of four or two thousand catties by operating the issuance of banknotes, and use the least amount of money to do the biggest things for Daming.

Zhu Han visited Suzhou, Songzhou, Huzhou and Hangzhou for more than a month, and persuaded more than a dozen big firms.

Coupled with the manpower and material resources deployed by Seven Seas Trading Company itself, the Daming Bank planned by Zhu Han is basically complete.

After returning to Yingtian Mansion, the older brother Zhu Yuanzhang was very surprised to learn so quickly.

"Qiwu, you are going too fast. In another month, won't you be able to invent the Ming Dynasty?" Zhu Yuanzhang asked expectantly.

Zhu Han had already ordered painters and craftsmen to make engravings of Daming banknotes, and they also produced exquisitely crafted finished products.

Zhu Yuanzhang liked these Daming banknotes printed with Hongwu's year name very much, and wished to let these Daming banknotes circulate all over the world immediately.

"I'm afraid I'm in a hurry for a month. I want to send people to the grassland to establish the Daming Bank's business name, and then officially start issuing Daming banknotes. After all, the most suitable place for the pilot is the grassland." Zhu Han said.

Today's Mongolian grassland, because of the strong intervention of the Ming court, has wiped out all the tribal leaders and princes, and has a strong ability to control the grassland herdsmen.

Moreover, in recent years, Zhu Han has provided a large number of sheep with high-quality wool.

The lives of grassland herdsmen have undergone earth-shaking changes.

Every herdsman has made a fortune selling high-quality wool.

Therefore, Daming Bank's pilot project in the grassland is the most suitable place.

The herdsmen have money, but what they need are all kinds of practical materials. The extra gold and silver are of no use to them, and they have to worry about being stolen and robbed.

And if you have Daming treasure banknotes, it will be very convenient, no matter how many treasure banknotes you have, you can easily carry them on your body.

Zhu Han and his older brother Zhu Yuanzhang had finished discussing the Daming Bank, and just about to go to the apse for dinner, the eunuch from the inner court outside the door came in to report.

"Report to Your Majesty, Prime Minister Li Shanchang on the left and Prime Minister Liu Bowen on the right are begging to see you!"

"Let them in!" said the elder brother Zhu Yuanzhang lightly.

He is a person who devotes all his attention to government affairs, and it is common for him not to eat in order to summon ministers.

Zhu Han's stomach was growling with hunger, so he could only stay with his brother.

Soon, Li Shanchang and Liu Bowen walked in together.

"See Your Majesty!"

"See Your Royal Highness!"

For two people to salute, Zhu Yuanzhang waved his hand and saved them from saluting.

"You two, why come to see us together?" Zhu Yuanzhang asked.

Li Shanchang was the first to say: "Your Majesty, I'm here to congratulate Your Majesty!"

"Congratulations? What happy event?" Zhu Yuanzhang asked.

"Great joy for Shengshi Ziding!" Liu Bowen followed up.

It turned out that not long ago, according to Zhu Han's suggestion, the Ming court organized the first census of the Ming Dynasty.

Today, the cabinets of the DPRK and China gathered data from various places and got a number that surprised everyone.

The country of the Ming Dynasty was prosperous and the people were safe. There were no wars for many years.

In just a few years, it has grown to nearly [-] million people now.

This is the result of a rough census by the imperial court.

I believe that if you count some mountain people, former fugitives, etc., the number will definitely exceed [-] million.

The reason why the population has grown so rapidly in recent years is also because Zhu Han has vigorously promoted corn, potatoes, sweet potatoes and other crops in recent years.

This has greatly relieved the pressure of the people's survival.

The yield of these grains is extremely high. Although the taste is not good, the common people can eat enough.

If there is no war, the government is clean, and people can eat and wear clothes, the natural population growth will be greatly accelerated!
However, although these can be used as staple food substitutes, there is no way to compare with rice, wheat and corn.

"Really? Great, show us the document!" Zhu Yuanzhang said happily.

Regarding the rapidly increasing population of Ming Dynasty, the older brother Zhu Yuanzhang is getting happier the more he looks at it.

However, Zhu Han on the side had his own considerations.

"You two, the population of Ming Dynasty is growing so fast, so there should be a lot of hidden dangers and problems in the yamen of various places, right?" Zhu Han asked Li Shanchang and Liu Bowen.

Expanding to a population of more than 2 million, the population in the Central Plains has become very dense, and the living space of the people has naturally begun to shrink.

Li Shanchang and Liu Bowen naturally also noticed this problem.

Although looking at this question seems to have just revealed a little corner.

But it cannot be ignored.

The two prime ministers did not dare to be negligent, and immediately reported to Zhu Han the various problems that the yamen in various places had responded to.

After Zhu Han finished listening, he nodded and did not speak.

The people of Ming Dynasty no longer have to suffer from hunger, and the population will naturally increase.

However, this situation cannot last for long.

If the population grows too fast, the living standard of the common people will not improve too much because of the small area of ​​cultivated land.

Zhu Han immediately pointed out the potential risks of excessive population growth.

"Gentlemen, do you have any solution?"

Zhu Han asked the two prime ministers back.

Li Shanchang and Liu Bowen touched their heads and made eye contact.

Liu Bowen said directly: "Your Majesty, I think it is more appropriate to move the population from the densely populated Central Plains."

Together with his elder brother Zhu Yuanzhang, Zhu Han was looking at the territory map of the Ming Dynasty.

"Then where do you think it is more appropriate to move to?"

Zhu Han has no objection to immigrant, this is an optimal solution.

The world is so big, since there is a sufficient population, a larger country should be circled.

Immigrants certainly cannot be the first time!
But now he was thinking too far, and his eyes fell to the north for the time being.

Li Shanchang and Liu Bowen also came to the map, pointed to the map and rowed to Lingnan area.

"Your Majesty, the south is sunny and rainy, and the climate is suitable. It is very suitable for rice to mature. There are even records of two crops a year and three crops a year. The ministers and others think that it is more appropriate to develop Annan and move the population of the Central Plains to the south."

Apparently the two prime ministers thought so. After speaking, they also looked at Zhu Han together, waiting for his decision.

Zhu Han's thinking was exactly the opposite of theirs, "What you said actually has some truth, but I think Liaodong and Xijiang are more suitable places."

"what?!"

Li Shanchang and Liu Bowen were both surprised when they heard this.

Liaodong is covered with ice and snow, spring and autumn are short, and winter is long. How can the weather be compared with that in the south.

Just as the two were about to speak out to dissuade them, Zhu Han waved his hands and said, "There is actually a basis for what you said. You said that the population of the Central Plains migrated to the south, but the population of the Central Plains actually belongs to the north. It snows in winter, hot in summer, and has four distinct seasons."

"But will they really be able to adapt in the south?"

"Looking at it this way, northerners don't like hot, humid and miasmic places. There are many mosquitoes, snakes and ants in Annan, and there are many diseases. If they go there to adapt, many people will fall down."

"On the contrary, the land in Liaodong is fertile and fertile. There are vast plains. As long as the planning is proper and large-scale planting, whether it is wheat or rice, there will be a bumper harvest. It can even serve as one of the main granaries of my Ming Dynasty."

As soon as Zhu Han finished talking, Li Shanchang and Liu Bowen fell silent.

Naturally, he was thinking about whether what His Royal Highness said just now made sense.

Over the years, they have gotten used to it.

Don't look at His Royal Highness who always makes some strange remarks sometimes, but in the end it can always prove that Zhu Han is right.

After a little deliberation, Li Shanchang and the two arched their bodies and said: "If it is true what His Highness said, then it is indeed more appropriate to move to the north. Before that, it was inappropriate for the ministers to wait."

"Ah, it's okay. Your original intentions are also good, but you just ignored Annan's specific situation." Zhu Han waved his hand, not paying attention.

"Qiwu, how many people do you think is appropriate to relocate?" Brother Zhu Yuanzhang asked from the side.

"Well, each of these two places needs to have at least 100 million Han Chinese! However, we can't force orders, we have to guide people to sign up voluntarily. It's better to come up with some system to attract people to Liaodong and Western Xinjiang."

Zhu Han was thinking while talking with his hands behind his back in the hall.