Hao Guangming came to his senses and saw that Zhu Mai was looking at him, with her beautiful eyes full of expectations, so he decided to open his words.

"If you want to say that the country makes money, opening a factory can't make a lot of money, and it won't make much money soon, mainly because you make real money.

On our side, there are several ways for the country to make money, open banks to print money, issue bonds and even stocks to gather private money.

But then again, it has been less than a year since you ascended the throne in Nanjing. Not only has the local provinces really stabilized, but the functions of the departments and institutions of the court center have been being adjusted.

Therefore, there is no need to think about issuing stocks at this stage - how do I understand this? I only know that if I don’t do well, it will cause financial disasters.

Even if we want to do it in the Ming Dynasty, we have to wait for the two of us to study for a few years, learn more about stocks and stock markets, and then do it in a restrictive manner.

As for bonds, if the imperial court's finances really come to an end, you can try to issue some, but you also need to be cautious, especially for the first time.

After all, the reputation of the Ming Dynasty court is relatively low across the country, right? If the first time someone buys bonds has no profit, they suffer losses, and no one will buy them again.

As for opening a bank, you can prepare. You should have some understanding of the banking matter, right?"

Zhu Mei nodded, "It feels like the bank is combining the coins, money printing institutions and the money houses that have emerged among the people, but it seems different."

Hao Guangming smiled and said, "Of course they are different, they are essentially different.

Coins have existed in ancient times. By the Ming Dynasty, your application of this thing has not changed much. It is just that copper coins are easy for the people to use every day, and there is no further use behind this right.

Printing paper money is an extension of coins, but you did not understand it during the Hongwu period of the Ming Dynasty. You thought that the reputation of the court could be overdrawn infinitely, but the result was that you played the paper money for 10 or 20 years and no one wanted it."

Thinking of the history of the Ming Dynasty Baochao, Zhu Ma's pretty face turned red, and she felt that the Taizu Zhu Yuanzhang, whom she had always admired, was indeed short-sighted in finance and economics.

"As for your money shops at that time, they basically focused on lending, but in fact they were the loan industry. The bill number mainly serves a very small number of big merchants and wealthy people, which is not the same as modern banks.

You are going to open a bank in Daming now. Can we both understand it? Daming will definitely not find relevant talents for the time being.

Therefore, I suggest that you start with coin minting, restore the Ming Dynasty's control over the coin rights, select and cultivate a group of money and government talents.

Then try to explore more functions behind the state's coin rights and make them available. Let the talents highlighted in this process contact our banking theory.

After almost two or three years, the time is right and you should be able to open a bank.

After the bank is opened, the time for the state to issue bonds should be ripe. As for stocks, we have to wait."

After hearing Hao Guangming's words, Zhu Ma nodded subconsciously, then blinked her eyes, and couldn't help but smile: "My husband has said so much. If the court wants to increase its fiscal revenue now, wouldn't it still rely on state-owned factories?

”

Hao Guangming was a little embarrassed and quickly explained: "I'm not talking about it in vain - the country's means of making big money are there. As the king of a country, you have to know it? Even if it cannot be implemented now, you have to start preparing, right?"

"Yes, yes, my husband makes sense." Zhu Mai suddenly grabbed one of Hao Guangming's hand and said with a coaxing tone.

Hao Guangming felt that he had to show his real skills for many years of reading historical online articles, otherwise he would definitely be underestimated by the empress's little wife.

He coughed lightly and said, "If you want to say that the state-owned factory makes money, it is also different in size. The factories you are currently opening should be glass factories, and glass mirror factories are the most profitable, right?"

"Not bad." Zhu Niu nodded, she was very clear about the situation of these factories. "The second is the watch factory. The cement factory is also making money at present, but because it is not open to the public, it does not make much money.

As for the remaining military ration factories, clothing factories, steel factories, etc., they are all linked to military industry, and business comes from the court. After the money goes around outside, they will lose some money."

Hao Guangming actually understood these situations, and he said: "You have the right idea of ​​making money from rich people with glass and glass mirrors, but if you want to make more money from the Ming Dynasty, you have to broaden your thinking and horizons.

In fact, you ancient people also understood some of the most profitable business. Salt, iron, wine, sugar, vinegar, tea and other people's lives. Of course, in our era, one more was added, that is cigarettes.

In the Han Dynasty, the Song Dynasty relied on the court to specialize in salt and iron and other necessities for people's daily necessities to get money from the people, but this method is very unfriendly to the common people, especially the poor.

In the Ming Dynasty, from the beginning of your Taizu, except for mastering the salt industry, there was no emperor who specialized in other people's livelihood industries. I don't recommend you to do it, just collect special taxes from the court.

In fact, even the salt industry is now profitable by wealthy merchants and gentry, and the people actually do not benefit, and they even suffer deeply."

Hearing Hao Guangming mentioning the salt industry, Zhu Ma's eyes remembered the actual salt industry she knew from all aspects and the difficulty of eating salt for the people. A cold light flashed through her eyes and said: "The court should indeed rectify the salt industry.

Now.”

In fact, every emperor has been doing the control and rectification of the salt industry in all dynasties.

Zhu Mai was just that there was too much trouble before and didn't make any effort.

Hao Guangming continued: "You can use the current salt industry to innovate the salt industry in the Ming Dynasty, and then rectify the chaos in the industry, so that the court can take the salt industry profits they deserve.

Maybe we can also copy a group of big salt merchants' homes - as long as this matter is done well, it is estimated that the financial operation of the Ming Dynasty will not be problematic within a few years."

Zhu Ma was still pondering, and Hao Guangming paused and continued: "Of course, factories like soap factories, match factories, and paper mills that can not only increase the income of the court, but also improve the living standards of the people, can also be run.

This is not necessary for the court to invest too much. I will sort out the relevant information from later generations for you, and then you can find someone to give instructions, and you should be able to do it."

"Yeah." Zhu Niang nodded, but was thinking in her heart how to rectify the salt industry, or who should I find to take charge of this matter.

Because in her heart, she still felt that it was more satisfying to copy the salt merchant’s home.

However, the Shanxi merchant’s affairs are not over yet. Even if she wants to do the salt merchant’s affairs, she has to delay it for a while...

Hao Guangming found out the modern craftsmanship materials suitable for the production of soap, matches and papermaking in the Ming Dynasty. Zhu Mei turned it over and told them to the people below.

These are not big things. No matter whether the people below do it smoothly or not, they will not affect the overall situation.

It is worth mentioning that in mid-February, Li Yan brought some officials left by the former Chief Supervisor of Chengdu and staff from the Staff Department to Nanjing.

At the same time, some personnel from the Chengdu Secret Construction Bureau were also here.

The Chengdu Secret Construction Bureau has been recruiting "strange people" from the people, skilled craftsmen, including Taoists who are good at alchemy. I think it is okay to use the information to realize soap production.

In a blink of an eye, two or three days passed, and time came on the second day of the first month of the Zhaowu year.

Zhu Mai held a special education meeting in Wuying Hall.

At the beginning of the meeting, Zhu Mai started the topic first like in previous special meetings.
Chapter completed!