Daming daddy

Chapter 119 Lessons
The significance of the lesson is great.Wei Ming thought it was worthwhile to spend 10 taels of silver to buy a lesson.No one is perfect, and you can walk out a bright road if you run on the right path.Running on the wrong road, only the bottomless abyss awaits you.

"10 taels, mine is 10 taels!" Whether you think it's worth it and whether you feel pain in your heart are two different things. 10 taels of silver, this is almost one-tenth of Wei Ming's family property, if you don't feel bad, it's a lie.No, I have to quickly implement this matter of the bank.Just like later generations, even if you can't get something like a card, at least you have to get a credential and a password, and everything will be fine.At least when the time comes, if you have a certificate of 10 taels, even if they rob you, it is impossible to take it out of the bank.Of course, you need to find someone you can trust, or directly rely on yourself and do it yourself. Only you know the password, and others will send it to you at most.At that time, there will not be too many people to send, and you can save a sum of money for escort, so why not do it?

Just do what you say, and discuss with Zhu Youjian, Zhu Youjian entered the palace and called Zhu Youxiao out.Even if Wei Ming was beaten to death, he would not enter that palace.Not to mention anything else, just a group of eunuchs and maids made Wei Ming feel very depressed.It's too cloudy, and it makes people feel uncomfortable.

"You really don't plan to get that 10 taels back?" Zhu Youxiao asked with a frown.Even if he is the lord of a country, 10 taels of silver is still a large sum in front of him.It's ridiculous to say that the emperor of the Ming Dynasty was so poor, who can he ask for reason?Looking for Lao Zhu?Even if you throw Lao Zhu out of the grave, he can't change this fact.

"I said, Lao Zhu, what are you kidding, even if it is you, you don't want to get back 10 taels! If I can get it back, I will definitely get the money back. But now, Dongchang and Jinyiwei's People have already cut off the tongues of those who have been arrested, and there is no one to ask questions. Where can I go to find the money? To avoid such things from happening, we need to take further actions. The bank is now It's almost ready, and we can proceed to the next step." Wei Ming said while rubbing his forehead.Nothing made him more uncomfortable than this, but Zhu Youxiao kept bringing it up, which was annoying.

"That's true. But, didn't you say that the bank will be open for a while? It's in such a hurry to open now, there won't be any trouble!" Zhu Youxiao couldn't help asking.This is not the same as what was discussed at the beginning.

"10 taels is not too difficult for us. Even if we have it, it will not be of much use. However, according to the current situation, loans are beyond our capabilities, but deposits are completely fine. It was negotiated at the beginning, I have 100 million taels, and you have 100 million taels. By then, our savings will be enough and we can operate on our own, so we can rest assured." Wei Ming said.In the past two days, he also thought a lot. In fact, the rich people in the Ming Dynasty grabbed a lot, and there were countless things that could be used as mortgages.Even if Wei Ming and the national treasury were emptied, it would not be enough for these people to borrow money.When the time comes, they won't be able to spend that much money, but instead they will smash their own brand name, which is unnecessary.As long as the banks are open, those banks and everything else will have to close down.Not to mention anything else, Zhu Youxiao is crazy about money now.At that time, the owner of the bank will have to go home to farm under a single order.The feudal era had such benefits.No matter who you are, if you want to fight against the emperor, you must be prepared to face the crushing of the state machine.A small number of people succeeded for special reasons, but most people died.Opening a bank is definitely not counted among those special reasons.Saving money and earning interest, who doesn't want such a good thing?
"Okay, you can do whatever you want. I don't know much about it. Then you can just ask those two guys from the household department to do it. However, the cycle should not be too long. Otherwise, , even if we give others interest, it will take us out." Zhu Youxiao said.What he said was not unreasonable.The reason why you open a bank is to make money.Without a lending business, making money is simply fantasy.The interest for depositing one tael of silver is small, but if there are hundreds of millions of taels of silver, Zhu Youxiao will have a headache thinking about it.

"That's fine. However, if we want to open a bank well, we must make it bigger and stronger, and we must engage in monopoly. In the future, the bank must be independent from the household department, but it must be closely linked with the household department. Issue a new Coins and banknotes must cooperate with both sides. Moreover, it is necessary to crack down on usury and force other banks to stop,” Wei Ming said.There is nothing less to prepare for.If someone lends money to others and can get higher interest, then go to the bank to save money?How to borrow money without deposit?To put it bluntly, a bank is an institution that borrows chickens to lay eggs.In order to have an egg, you must first have a chicken.

"It's easy to say. If you want to say something else, you can't make laws. There are a lot of talented people in the imperial court. You can rest assured about this matter. As for the other banks, I will give Jinyiwei and Dongchang an order. Tomorrow they will close down." Zhu Youxiao said very domineeringly, and he really has this strength.Who made someone the emperor?
"Hey, hey, you've said so much, can you let me say something?" Zhu Youjian saw that the two of them were talking of a strong nature, and completely ignored the existence of him as a living person, which made him feel very uncomfortable.Anyway, we are also known as extremely smart people, aren't we?
"Okay, okay, if you have something to say, who won't let you say it?" Zhu Youxiao and Wei Ming rolled their eyes at the same time.But I have to say that they really forgot Zhu Youjian, a kid just now.

"If we don't do this, Brother Emperor, you will secretly issue an imperial decree to those high-ranking officials in the capital. I think Jinyiwei and Dongchang should have records of how much money these high-ranking officials have. We don't want more from them. Half of the family property must be deposited into the bank account within one month of the bank's opening. In this case, don't we have money? Don't say that we don't give it to them. After a year, we will return it to them with interest. In this way Wouldn't it be better to shorten the cycle to the shortest without smashing our brand?" Zhu Youjian said with red eyes.Wei Ming felt a chill down his back.You said such a small brat, how can he have so many messy intestines?But I have to say that although this method is a bit ruthless, it is still a good method.Anyway, your money is buried in the pigsty, so why not take it out and contribute to the country.Anyway, Wei Ming looked at the smile on the corner of Zhu Youxiao's mouth and knew that this guy also had this idea.It seems that this old Zhu's family really doesn't have any good men and women.No, they already know about other people's family's money, so they have figured out their own details a long time ago, right?Looking at Zhu Youxiao and Zhu Youjian again, Wei Ming's eyes were full of panic.

"Okay, we really don't like your little money. There are many people in the capital who are richer than you, and it's not your turn. What should be the standard for such a big family? I think Just 10 taels! As long as a family’s property reaches 10 taels, then even if it is a wealthy family, it has to pay the money!" Zhu Youxiao said with a smile.Wei Ming felt more and more that Zhu Youxiao was a wolf in sheep's clothing.

"However, there is one more thing." Now that you have made a decision and know that you can't change it, why don't you improve it? "One year is too short. Our current transportation is definitely not convenient. Once a transaction is made, one Even if you kill them in one year, it will never be enough to pay you back with interest. Therefore, this has to be extended. Let’s say three years. After three years, you will be given back to them with interest. One year is also in arrears, and three years is also in arrears, so why not be more beneficial to us?"

"Hey, old Wei, you usually say that I'm extremely sinister, but now it seems that we are just like each other. You are stronger than me, not weaker!" Zhu Youxiao said with a cheap smile.The three of them looked at each other and smiled, one laughing more disgustingly than the other.Just like that, the three gangsters worked out a plan to harm countless big households in the capital.And it is definitely a conspiracy.Thinking about Zhu Yuanzhang bringing rich households to enrich Fengyang and Beijing, Wei Ming felt that there was no such great psychological pressure.Are you only allowed to be the first grader and not allowed to be the fifteenth grader?

(Chapter 2 today!)
(End of this chapter)