The Great Bandit in Kangxi Year

Chapter 214 The Way to Make Money
Ten days later, the fleet led by Shi Lang changed to the American Fleet and set sail.

Among them, with Shi Lang as the main general and Gan Zhi as the assistant, the thirty Seal-class cruisers under his command were expanded to fifty, there were also thirty thousand-ton merchant ships, and fifty five-hundred-ton merchant ships.

In addition to carrying goods, weapons and ammunition and daily necessities, the merchant ships also carried more than [-] immigrants, some of whom were family members of soldiers and some were disaster victims.

Jiang Tao did not increase the strength of the Seattle Fortress. On the one hand, there are many powerful enemies on the border of the empire. On the other hand, Jiang Tao is not yet ready to compete with Spain, Britain, and France for the fruits of victory.

Since the middle of the 16th century, the Spaniards first established the St. Augustine colony in the main part of the continent north of the border between the United States and Mexico. At the beginning of the 17th century, the French established their first settlement in Nova Scotia on the east coast of Canada, and then established the Quebec colony. Based on this, they went up the St. Lawrence River, crossed the Great Lakes, and went down the Mississippi River. Gulf Coast area.

England established its first permanent colony in Virginia in the early 17th century.Since then, the Netherlands, Finland and Sweden have successively colonized the Atlantic coast.

It can be said that North America is full of demons at this time, and they all arrived in America earlier than the empire, and Europe is closer to America than the empire is. If they know that the Ming Empire is intervening in American affairs, they may attack them together. The establishment of the Seattle fortress is just a matter of time. Lay a solid foundation for the future large-scale development of the colony.

However, Jiang Tao has doubts. North America is thousands of miles away from the mainland. Whether the empire can occupy this place permanently is the key.

He remembered that not long after the British colonial forces took root in the eastern part of the North American continent, British immigrants and their descendants staged an armed uprising and separated from Britain in 1776 to establish the United States of America.At the same time, some pro-British and anti-independence activists moved north to Ontario and Quebec, Canada, to settle down.This is the embryonic form of the two major countries in the North American continent, the United States and Canada.

This is the criminal record. There is no limit to human desires and ambitions. Jiang Tao can't guarantee that the generals under his command will not rebel.

As for whether the large amount of silk and porcelain sold in North America will cause the Netherlands to misunderstand, Jiang Tao is not worried. He can just frame the smugglers directly. Anyway, there are smugglers in every country.

After the American fleet left, Jiang Tao finally felt relieved. Now the total capital of the treasury has reached 700 million taels, and the country is stable, which is the time for financial reform.

At this time, the empire had already reserved 6000 million silver dollars and copper coins worth 2000 million yuan. Jiang Tao was worried, and ordered the mint to add more than a dozen production lines to mint silver and copper coins.

Huaxing Bank was also officially listed for business in Jiangning. Since the silver dollar itself was valuable, the imperial court issued an order to reform the silver standard system and exchange coins within a time limit, but it did not encounter any opposition from various interest groups.As far as the common people are concerned, although they are not very literate, the benefits of this are obvious.

They have at least a few taels of silver in their family, but they are all scattered silver coins. How can the shiny silver and copper coins with clear patterns look good, not to mention the dragons and Lord Huaxing printed on the silver coins. It is a great thing to have these silver coins glory.

Of course, this is the idea of ​​the poor people.

As for the wealthy businessmen and the original landlords, regardless of whether they agree or not, they have to replace the current "Jiang Datou", otherwise there will be troubles. First, all transactions in Jiangning must use silver and copper dollars, otherwise they will be fined and other penalties.

Second, the cabinet newly announced a decree prohibiting the circulation of gold in the country, and it must be exchanged for silver dollars. This is Jiang Tao's preparation for gold.

The third is that after three months, if there are still people in Jiangning who use silver bullion to trade, they will be fined at least, or reformed through labor.

This time, the people in Jiangning surrounded more than a dozen exchange points, and all the new coins worth 4000 million taels of silver were exchanged within five days.

Jiang Tao was taken aback, and hurriedly transferred the tens of millions of silver dollars used for military pay to the exchange site. During this period, tens of millions of silver dollars were minted, which relieved the pressure on the exchange. In order not to make jokes in the future, Jiang Tao continued to increase the mint's Scale, non-stop production day and night.

He originally thought that the new coins worth 4000 million taels would be enough to exchange in Jiangning. He didn't want to see rich people abound, especially in Jiangning, which has become the political, cultural, and economic center of the empire. Poor families also have a few taels of silver, not to mention those among rich businessmen.

He secretly blamed himself, he should be fully prepared before implementing reforms.

Fortunately, the momentum ahead was very strong, and then the Mint worked overtime day and night to quickly convert the silver taels that had just been exchanged into silver dollars, and finally withstood the wave of exchange.

According to statistics afterwards, a total of [-] million silver dollars were exchanged this time, which opened Jiang Tao's eyes. Jiang Ning contains so much wealth, so wouldn't the entire empire have more?

Fortunately, there is no country that is as rich as an enemy. Otherwise, if it is a hostile force, it will be troublesome, Jiang Tao secretly rejoiced.

At the same time as the imperial financial reform was advancing, the currency with Jiang Tao's face printed on it also quickly flowed into the market, and there was applause everywhere.

Jiang Tao had already prepared a large number of talents. Now that he has funds, Huaxing Bank began to expand to the north and south with Jiangning as the center, accompanied by the exchange of new currency.

Jiang Tao knows very well that banks in this era charge fees for depositing money, and there are very few strong enough to be chained across the country. They are all regional in nature, and some banks only survive in a small town. The black tiger army is against, and the bank they opened has been banned, and the existing bank is very weak.

In response to these circumstances, Jiang Tao brought the advanced business philosophy of later generations into Huaxing Bank.Huaxing Bank implements free deposits, and implements interest-bearing deposits for customers with large deposits. The interest on time deposits is slightly higher, and the interest on demand deposits is slightly lower.At the same time, a series of measures such as reducing interest rates on foreign loans and prohibiting usury.

In this way, the gentry, officials, businessmen and ordinary people all came to their spirits.In the past, when depositing money in a bank, you had to put the money in yourself. Now, not only is it free, but customers who save more can even get interest. Where can I find such a big deal.

Among them, businessmen are the most tempted. Traveling all over the world and carrying a large amount of cash is not so safe. It is difficult to guarantee that someone will take advantage of the money. Although the bandits in the mountains have been wiped out on a large scale, it is difficult to guarantee that there will be no fish that slipped through the net, and it will cost a lot of money to hire an escort agency. Silver, and storing it in the bank is not only safe, but also has interest, why not do it?
But they also have some doubts in their hearts. Their fear of imperial power cannot be forgotten in a short time. They are afraid that the court will swallow the money, and there will be no place to cry. After all, the bank is a new thing, so how dare they believe it easily.

In fact, from ancient times to the present, Chinese people like to save money.From the emperor, to the civil and military officials, to the common people, they all show one thing in common, that is, they save up extra money and hide it at home. The next generation, or to marry a wife, or to buy a coffin...

In short, these circumstances have resulted in more than half of the money in Ming's currency being unable to circulate and being hidden by the people at home.With so much less currency in circulation, the imperial court naturally increased the minting of currency to meet the needs of market circulation.There is nothing serious in peaceful times, but in times of famine and war, the common people will spend their money to buy goods, which will suddenly increase the currency circulation, which will depreciate the currency and cause chaos in the country.

The imperial court was unable to judge and prevent this phenomenon, but Jiang Tao has the experience of later generations, that is, using banks as a lever for economic adjustment, which is called macro-control or state intervention in currency projects in later generations.

For a while, the whole country was talking about silver dollars, deposits and Huaxing Bank.

However, in a short period of time, there was no large amount of deposits. Jiang Tao didn't understand this matter. He asked Cheng Zhang to find out the reason.

"Take your time, facts speak louder than words." Jiang Tao comforted Cheng Zhang when he saw Cheng Zhang's worried expression.

"Now the depositors are mainly officials and soldiers. Many ordinary people deposit a penny in the morning and withdraw it in the afternoon, just to see if their money has been deducted and to confirm whether the court has lied to them. It is really annoying. How could the court I care about that penny." Cheng Zhang said unhappily.

"Credit can't be established in a day, third uncle, just watch, the amount of deposits will definitely increase." Jiang Tao said confidently.

"The lord is fine now. If all the merchants come to save money, the lord has to pay them interest if he wants to maintain his credit, and that will be a disaster. Take hundreds of millions of taels of silver to calculate, the annual interest is quite a lot Ah!" Cheng Zhang was even more worried.

"It doesn't matter!" Jiang Tao smiled easily, and said: "The highest annual interest rate of Huaxing Bank is only 1000% now, even if it is calculated as one billion silver dollars, it is only 1000 million silver dollars a year, not to mention the small deposits. There is no interest, and the small deposits among them are definitely more than half. First, we can use this fund to develop industries and earn more than [-] million silver dollars. If there is any surplus, we will start to issue loans. The common people will accept it, and the interest earned in this way must be quite a lot, part of it will be paid to the depositors, the rest will be used as the salary of bank employees, and the rest will be directly turned over to the treasury!"

"My lord is wise!" Cheng Zhang sighed, cupped his hands and said, "It's just that foreign loans may not be safe. First, the lender may not be able to repay it in a short time. Second, if there is a bad loan, the bank may be short of money!"

Jiang Tao thinks about it too. There will be a lot of bad loans in later generations. Besides, in this era, people flee with money and hide in the mountains to hide their names. Where can they find them?

Well, one has to be cautious.

Jiang Tao nodded, and smiled directly: "The borrower must have collateral and guarantors that exceed the loan amount. Hehe, you can also lend money to me. I won't run away."

Cheng Zhang was stunned for a moment. It seemed that the purpose of the prince's opening of the bank was to borrow money. It looked like he was kicking his left hand backwards to his right, but after thinking about it, he found out that there was a great truth hidden in it.

"Well, to encourage ordinary people with spare money to open factories, the imperial court will give policy considerations. Bank loans should be able to recoup their principal and interest. Banks can also invest, such as banks buying shares in a factory workshop, and the profits they get are used to repay loans and interest. It’s not that I’m not afraid of saving too much.”

Before Cheng Zhang could recall it, Jiang Tao continued: "Next, the north will vigorously develop heavy and light industries. The imperial court can start, and the light industry can be handed over to businessmen. The heavy industry can be made into a state-owned holding company. For example, the state accounts for 50.00%. shares, and the rest of the shares are sold to businessmen, and the benefits must be shared, we can't always eat alone, so that the north can be settled."

"Subordinates, let's make arrangements." Cheng Zhang knew what Jiang Tao meant. In this way, the tyrants in the north would have no money to make trouble, and they would use their interests to stabilize them, and they could develop the industry in the north. It really killed three birds with one stone. admire.

Sometimes he really couldn't understand, he was the one who watched Young Master grow up, why did he know so much, could it be that gods really help each other?

PS: Give me some strength, almost 1000 favorites.
(End of this chapter)