Borrow the day to change the day

Zhong Jinwei gave Wen Tiren a thumbs up, and said with a smile: "Master Wen is amazing, this is the key to the bank's no-cost business. Use other people's money to make money for yourself."

When Emperor Chongzhen heard this, his heart moved a little. Would there be many people rushing to do such a good thing?

But he just thought about it for a while, and didn't say it right away.The most important thing now is to sort out the whole thing. He thought about what Zhong Jinwei said, and after thinking about it, he asked: "Master Zhong, how does the imperial court use these banks to control the amount of banknotes? Reserve money?"

Zhong Jinwei pondered for a while before answering: "Reserves are only one aspect. The Daming Royal Bank can control the money in the hands of all banks in Daming by raising or lowering the reserve ratio. Because the banks have more money, they will lend more to the people. , the people will have more money in their hands; otherwise, there will be less.”

"Master Zhong, you haven't said other than reserves, what other means are there to control it?" Emperor Chongzhen almost understood what Zhong Jinwei just said before, so he urged him to continue.

Zhong Jinwei was happy to talk, and he directly regarded the majestic emperor of a country and the first assistant of Ming Dynasty as a primary school student, and explained it repeatedly and carefully.

As a result, after Emperor Chongzhen said this, he came back to his senses, and went on to continue with a little embarrassment: "Actually, I have already said it before, it is the debt. If the Royal Bank of Ming Dynasty feels that the bank has too much money , in addition to selling bonds to the people, you can also sell bonds to banks to recover the money in their hands. When the people in the Ming Dynasty have too little money, in addition to reducing the reserve ratio, they can also lend to banks. Make enough money in their hands to flow into the hands of the people."

"Marquis Zhongxing, why can't you just lend money to the people directly?" Because of the dimming of the light, Wen Tiren could no longer clearly see Zhong Jinwei's eyes, but he didn't feel it at all, and still looked at him and asked.

Zhong Jinwei turned to him when he heard the words, and said with a smile: "This is determined by the status of Daming Royal Bank. It is only a manager, an institution that manages the bank. If it can also lend money to the people, it will become an ordinary bank."

"Master Zhong, just now you seemed to say that the bonds can be issued directly to the common people?" Emperor Chongzhen seemed to have heard the inconsistency in Zhong Jinwei's words, and reminded him.

Zhong Jinwei felt a little thirsty at this time, originally thought it was a very simple and clear matter, but once explained, the problems were one after another, it seems that it is really easy to understand but difficult to do!

He explained to Emperor Chongzhen: "Your Majesty, this bond is a special kind of banknote, which can only be issued by the imperial court according to specific needs, and cannot be used for circulation. The bond is only a certificate owed by the imperial court to the buyer. "

"Oh." Emperor Chongzhen nodded, thought for a while and asked again: "Master Zhong, what you said is based on the specific needs of the situation refers to the amount of banknotes in the hands of the people, right?"

Zhong Jinwei thought for a while before answering Emperor Chongzhen: "This is not the only situation. If the current war against Jianlu needs military pay, but there is no money for a while, it is not appropriate to issue paper money directly to deal with it at this time, because it will make people feel uncomfortable. Affect the reputation of banknotes. At this time, you can issue this debt to the people, specify how long it will take to recover the debt, and then give the principal and interest to the people. Of course, this also needs to be stated at the time of issuance in case the payment cannot be made. If so, what will be the compensation?"

When Emperor Chongzhen began to listen, he thought in his heart that the bond would be issued immediately.But when he heard later that he needed to mortgage again, he understood that this was actually no different from an ordinary loan, except that the imperial court borrowed money from the common people.

When Zhong Jinwei said this, he felt that what he said was almost the same. As soon as he relaxed his mind, he found that the sky was already dark.

The maids and servants in the Wenhua Palace were driven out of the palace by Emperor Chongzhen, so no one lit the lamps, and the light was not very good.

If it weren't for the main halls in the palace, many of them had been replaced with glass windows, I'm afraid they couldn't see clearly at this time.

"Time flies so fast, another day has passed." Zhong Jinwei sighed.

After he said this, Emperor Chongzhen and Wen Tiren realized that it was getting late.

Emperor Chongzhen thought it was almost the same, so he laughed, and then said to Wen Tiren and Zhong Jinwei: "Since this hour has come, Master Zhong and Wen Qing will continue to have dinner with me."

Zhong Jinwei and Wen Tiren smiled at each other, and thanked Emperor Chongzhen for their meal.

Compared with the previous few days, Zhong Jinwei returned to Zhongxing Marquis's Mansion earlier today.

He first listened to the housekeeper Uncle Yu's report on the wedding he was preparing for today, and then asked about the homework of the fourth primary school before coming to his study.

Zhong Jinwei has been running around for two months and even fought a battle.After rushing back to the capital, he got up early and greedily to discuss state affairs. Although he was in his prime, he still felt a little tired.

So, he leaned on the back of the chair and closed his eyes for a while.

Although he closed his eyes and rested his mind, his brain was still running non-stop.

Zhong Jinwei recalled the matter of the Royal Bank of Ming Dynasty. Now that Emperor Chongzhen had made up his mind, he first ordered the commander of Jin Yiwei, Luo Yangxing, to send people to build momentum in Beijing Normal University, exaggerating the insecurity of the current ticket number and the bank, and making the bank account of the Shanxi Merchants Examples are spread everywhere.

Then, according to my reminder at the dinner table, wasn't there a hundred families of Jin Yiwei who were also victims.It was up to the hundreds of family members of the Jinyiwei to come forward and entangle the other victims to strongly demand the government to call the shots and give an answer.

At this point in time, Emperor Chongzhen and Wen Tiren brought up the Daming Royal Bank for discussion.No matter what, anyone who opposes will be suppressed. We must implement this matter and complete the transformation of Daming Royal Bank into the leader of the banking industry as soon as possible.

Thinking of this, Zhong Jinwei began to think about how much money he still had, and no matter what, he would add a share to the bank's share capital, which could be regarded as a clean source of money for the mansion.

Just as Zhong Jinwei was thinking about his sweet dreams, a voice sounded outside, still panting slightly, and said: "Master Hou, I'm back."

Zhong Jinwei recognized the voice when he heard it.He has been thinking about this matter all the time, and it is almost time to come back after the calculation.

He quickly stood up, walked to the door of the study, opened the door, looked at the man and said, "You're back!"

"Yes, Lord Hou, this subordinate has just arrived in the capital." The man replied.

In fact, he didn't tell the truth, he went back to Dongchang first.But I didn't see Wang Cheng'en, the factory prince, because Wang Cheng'en had gone to Tongzhou.

But the matter has been recorded, and then he ran to Zhongxing Hou's mansion again. After all, Zhongxing Hou sent him there, and he must be rewarded.

"Quick, please come in." Zhong Jinwei turned his body to the side to make room for the door, and then called out: "Simin, serve tea."