Jiang Nan took over Daming Bank, and dozens of banks, large and small, were brought under her control. Among them were behemoths like Yingtian Bank and Peking Bank. There were also commercial banks opened by Huizhou merchants and Shanxi merchants.
.
In fact, both Huizhou merchants and Shanxi merchants are very resistant to the National Bank. After all, they prefer the traditional financial industry of bank accounts.
But I'm sorry, they couldn't resist the powerful momentum of the imperial court.
The imperial court has abundant treasure money and strong capital.
Coupled with lower interest rates, there's also broad coverage.
Once they actually meet, they won't even have the slightest chance.
The disastrous defeat of the grain merchants in the past has taught most people that if you go against the imperial court, you will not only lose your fortune, but also die without a burial place.
In line with the principle of joining if you can't beat them, some Shanxi and Huizhou merchants also followed the imperial court's example and established their own banks.
All in all, the entire bank of the Ming Dynasty was in the hands of Jiang Nan, who was like the goddess of wealth in the dynasty.
Jiang Nan gets up early and goes to bed late every day. She even works overtime and is extremely busy.
Zhang Chengtian watched my mother busy every day, and he was so greedy. How much salary could he get in a month as a commander for Lao Zhu? If he just set up a special loan like this, he could get tens of millions of money.
Who is richer?
Zhang Chengtian was full of doubts and puzzled... There was really no other way. Zhang Chengtian had no choice but to come to his father. He wanted to ask Zhang Ximeng for advice.
"Dad, who has the final say in the current Ming Dynasty? Who is more powerful?"
Zhang Ximeng pondered slightly, "Why do you care about this?"
Zhang Chengtian said: "Dad, isn't this obvious! If I want to be an official and hold power in the future, I will naturally devote myself to the supreme authority! How can I formulate my life ideals if I don't know who is the greatest!"
Zhang Ximeng laughed angrily, "Can't you learn from your elder brother?"
"No! You can't! Everyone has their own ambitions, but I don't want to!"
Zhang Ximeng snorted coldly: "In that case, haven't you become His Majesty's commander? Why do you come here to talk nonsense with me? Just serve Your Majesty well!"
Zhang Chengtian frowned and said helplessly: "Dad, I originally thought that His Majesty was the Supreme One in the world. But I found that the money that His Majesty has at his disposal is far less than that of my mother. The people that he can control are far less old than...you!"
Now after the reform of the official system, the prince's reputation is getting higher and higher. I, I really can't figure out who has the final say in this country... I can only come to you and ask you to answer my questions. Dad,
For the sake of the love between father and son, please give me guidance! I am really afraid that I have made the wrong choice."
Zhang Ximeng looked at his son. The little fat boy was already eleven or twelve years old. Zhu Di was already a vassal at this age. In a few years, Zhang Chengtian would also graduate from middle school. What to choose next is indeed crucial.
Zhang Ximeng sighed slightly, "There are some things I don't want to say, but you asked me again. You said that I didn't tell you, something was wrong. After all, you are also my son. But I told you, and you are a bad boy.
, I’m in a dilemma again!”
When Zhang Chengtian heard this, he quickly got in front of Zhang Ximeng, with a sly smile on his face, "Dad, no matter what, the child must respect your father and mother, and take care of his two younger brothers, and my eldest brother, 80% of the time.
If you want my help, you, the old man, can just leave all your secretive skills to your children. Really, only your children can inherit your old tricks."
Zhang Chengtian held his chin with a look of admiration on his face, almost kneeling down to beg.
Zhang Ximeng finally had no choice but to sigh.
"Okay, I can teach you, but it depends on yourself how much understanding you have... Let me ask you, after this reform, in whose hands does the real authority fall?"
Zhang Chengtian thought for a while, "Is he the prince? It doesn't look like him to me!"
Zhang Ximeng smiled and said: "Your feeling is right. After this time, the government affairs of the imperial court have become more and more professional. There are skilled scribes and clerks below, and there are also professionals like Hu Yan outside. They provide plans to assist cabinet ministers.
Make a decision. In fact, it is these people below who really have the final say!”
Zhang Chengtian nodded slightly, "Father, since the people below have the final say, what use do they have to the First Assistant Minister?"
Zhang Ximeng laughed again, "Do you think whoever has the final say will always stick to his word? Just like His Majesty and I, who do you think has the final say between us?"
Zhang Chengtian frowned slightly, "Is it you? But why do I feel that at some critical moments, it is His Majesty who makes the decision?"
"That's right. If I had the final say all the time, the relationship between monarch and minister would have broken down long ago." Zhang Ximeng said with a smile: "Actually, no one really has the final say. Both parties must respect each other and maybe compromise.
I can make the final decision on most government affairs, but I must leave some to His Majesty and let him have the final say. Only in this way can the monarch and his ministers be in harmony and complement each other."
"When you fall into various yamen, the general situation is the same. It is naturally advantageous to have daily power in matters and be responsible for providing advice to the minister. But if a minister wants to make his own decisions, he will even fall out with his subordinates.
, If you don’t fight for an official position, you will be in a difficult situation if the trouble breaks out.”
"So a smart person needs to leave enough space for the minister to make him feel that he has the power. Then he can feel comfortable and enjoy the power!"
No matter how angry Zhang Ximeng was or how he scolded this kid, at this moment, Zhang Ximeng taught Zhang Chengtian the most important things without reservation.
Who has the final say? This is always the most critical question.
The division of authority between the monarch and his ministers is even more unusual.
If the ministers have too much power, Sima Zhao's intentions will become known to everyone. Then either the emperor will eradicate the traitors, or the powerful ministers will kill the emperor and act like a king and Dong Zhuo.
Therefore, the agreed division of authority is that you have four and I have six, and you have three and I have seven. It is absolutely impossible for one party to take it all away, let alone take advantage of it all.
It stands to reason that Zhang Chengtian is not very young, and this is a very boring thing, and ordinary people cannot listen to it. However, Zhang Chengtian is obviously a bit talented. Not only did he understand it, he could even draw inferences about other cases.
"Dad, you said sharing, but how should you divide it so that you can get more? How can you not attract other people's attention?"
Zhang Ximeng smiled slightly and said, "You brat, you really hit the key point. In a word, it is to elect the right people to the right positions."
"What is a suitable person? Are they those who have both ability and political integrity?" Zhang Chengtian asked curiously.
"Let me ask you, is your mother capable of both political integrity and talent?" Zhang Ximeng asked with a smile.
Zhang Chengtian nodded quickly, "That's natural! My mother is definitely like this!"
The little guy held out two thumbs up!
Zhang Ximeng smiled and said, "That's right, but have you ever thought about it, with your mother's shrewdness, how easy will it be for the people below you when you get to Daming Bank?"
Zhang Chengtian shook his head and said in a low voice: "We don't feel well when she is at home!"
Zhang Ximeng couldn't help but laugh, "Then think about it again, if you are in a higher position, whether it is your majesty, the prince supervising the country, or the prime minister... for the sake of their authority, can they appoint someone like your mother?
Woolen cloth?"
"No! Absolutely not!" Zhang Chengtian shook his head quickly, "She is too powerful. She is in charge of Daming Bank and no one else can interfere."
Zhang Ximeng said with a smile: "Then let me ask you again, if your mother is in the bank, will anyone benefit?"
Zhang Chengtian thought about it again and again, and finally said tentatively: "Maybe the people of Ming Dynasty will get some benefits... Dad, after hearing what you said, I suddenly feel that His Highness the Crown Prince still has some merits!"
Zhang Ximeng couldn't help but laugh. This bastard is so arrogant. Is there any merit in this? It's called knowing people and being kind to them, it's called being selfless!
Zhang Chengtian thought for a while, then suddenly said: "Dad, what do you think, if you change someone else, can you promote some mediocre people to the top, and then take charge of power smoothly?"
Zhang Ximeng sighed slightly, "Your brain power is indeed suitable for learning this!"
Zhang Chengtian was inspired and became more courageous. He said more and more unscrupulously: "Dad, you said that in the various ministries, can you find a way to push the bad people to the chief minister? Then arrange a bunch of rubbish to take charge of each ministry.
How about taking the power yourself?”
Zhang Ximeng chuckled and said: "Then how do you know that someone is not a clumsy person? What if you push someone who pretends to be a pig to eat a tiger, and you are not shooting yourself in the foot?"
Zhang Chengtian was startled again. The little guy couldn't help lowering his head and thinking over and over again. Finally, he seemed to have some understanding.
"Dad, I understand. In fact, this matter still goes back to what you said at the beginning. You have to know how to advance and retreat, and know the trade-offs. You can't take them all away, otherwise, once the skin is broken, it will be difficult for everyone. You have to choose those.
If you become a minister, you should not be too stupid and be too sharp and take away too much prestige. You should be cautious, assess the situation, see people clearly, and see the situation clearly...are you right?"
Zhang Chengtian seemed to have understood something extraordinary, and was ecstatic in his heart. But when he raised his head, he found that his father had already stood up and left.
Zhang Chengtian still couldn't hide his excitement. He was finally able to clear away the clouds and see some of the political situation clearly.
There is no doubt that Zhu Yuanzhang, as the founding emperor, and his father, who was the Grand Master of the dynasty, both have unshakable authority. They are accidental and will not be considered.
In fact, the best position is to assist the first and second assistants in Shizhong.
In name, this person assists the chief minister and provides advice to the chief minister. But in fact, he takes the lead and takes the lead. He can take the chief minister aside and truly take charge of the government.
It is Song Lian who is currently in charge of everything.
This old man is so humble, yet he turns out to be the scariest one!
very good!
I have a goal. Sooner or later I will climb to that position. It is so interesting to quietly control the situation.
But there seems to be a problem. If you want to climb to Song Lian's position, you must pass the academic qualifications.
You must at least have attended Jimin School or Fudan School. Grades are secondary, diplomas are the most important.
But the question is, can I pass the exam now?
It seems a bit difficult!
"Brother, Senior Sister Xia!" Zhang Chengtian jumped three feet high and went directly to find Zhang Shuning.
"For the future of our family, you have to help our brothers!"