Listening to Zhu Zhanzhen's analysis of the four major industries, Zhao Quan was already dumbfounded. According to Zhu Zhanzhen's method, how could their bank still survive.
"The Ming Dynasty Economic Bank targets the scholar-bureaucrats and the noble class, as well as the country's development and future external economic activities."
"The Agricultural Bank of China targets farmers, lends to agriculture, encourages large-scale agricultural development, lends at low interest rates, and exchanges grain for loans."
"ICBC targets industry and commerce. Anyone who wants to run a workshop or open a business can come to this bank."
"Construction Bank targets infrastructure construction, such as Lord Zheng He's steam engine, which needs to be built to build roads. It can lend money to those who contract to build roads."
Zhu Zhanzhen gave an overview of the four major banks in one breath. If the four major banks develop well, they can cover almost all industries now. As long as the conditions are met, they can lend and store.
The imperial court has deployed all-round coverage, and outside banks have basically no chance of survival.
Zhu Zhanji was also shocked by Zhu Zhanzhen's words. He had never told him these before, and Zhu Zhanzhen had no choice but to remember them today. It was another day of copying.
"Have you discussed your thoughts with Your Majesty?" Zhao Quan asked cautiously.
"I thought of it after seeing the Jiang Family Bank today. I haven't had time to say anything yet. I will sort it out with my eldest brother after returning to the palace today and then report it to Grandpa Huang."
Zhao Quan glanced at Zhu Gaosui. Zhu Gaosui's eyes were complicated. He didn't know the specific meaning of these things. After all, he didn't run a bank.
Zhao Quan said extremely respectfully: "Your Highnesses, if you have anything you want to ask the common people, just ask. The common people will tell you everything they know."
Zhu Zhanzhen saw that Zhao Quan's attitude was completely different. Although he was respectful before, he was not as honest as he is now. Before, he was hypocritical, and those praises and flatteries were just for the occasion.
Zhu Zhanzhen and Zhu Zhanji then asked him many questions about private lending, and Zhao Quan now told them all without any concealment, including his own opinions and experiences.
How to lend money, how to collect money, what kind of interest rate, and to what extent the gold and silver in stock can be loaned out. In all aspects, someone who can run Jiangjia Bank to this scale will naturally not be just a rich man without ability.
Zhu Zhanji and Zhu Zhanyi were very satisfied with his confession, and they were ready to leave towards the evening.
"Shopkeeper Zhao is a capable person. I hope I can get help from shopkeeper Zhao in the future."
"His Majesty Fifth Highness said something serious, and Zhao Quan dare not take it seriously."
The group left, but Zhu Gaosui stayed, and returned to the small courtyard behind with Zhao Quan with a sullen face.
"Zhao Quan, what does Zhan Zhen mean? He suddenly said that he wanted to recruit you to go to the bank, but then stopped talking. In the afternoon, he asked a lot of questions about the bank's management, and asked him what the hell the bank meant.
"
Zhu Gaosui didn't know anything about business management, but he could also feel the change in Zhao Quan's attitude.
"Your Majesty, our Ming Dynasty's business world is about to change."
"What do you mean?" Zhu Gaosui was even more confused.
Zhao Quan explained: "According to what His Highness the Fifth Prince said, issuing food stamps, establishing banks, and the state unifying the interest rates for deposits and lending are equivalent to redefining the existing money rules. Money and food are the foundation of the business world. When these two items are re-established,
Once the regulations are implemented, the entire business world will change accordingly.”
Zhu Gaosui seemed to understand: "These two little kids are going to do such a big thing?" He couldn't believe it.
"Both Your Highnesses are extraordinary people, especially His Highness the Fifth. Just a few words can change the situation unprecedentedly. His thoughts are delicate and his thoughts are smooth."
"Then what should we do?" The Jiang family bank contributed a lot of money to the second and third masters.
"Your Majesty, don't worry. According to His Highness the Fifth Prince, in addition to the Ming Central Bank that issues food stamps and sets interest rates, other banks will cooperate with local governments to open semicolons, and even the money earned will be used for local construction.
, Your Majesty, you have a fief."
Zhao Quan's words reminded Zhu Gaosui, and Zhu Gaosui was going to discuss it with Zhu Gaoxu first.
After sending Zhu Gaosui away again, the smile on Zhao Quan's face finally faded away, and his eyes looked fierce.
People who are good at flattering themselves among the powerful will always hide their true selves.
"My boss, it doesn't seem like it was a joke for His Highness the Fifth Prince to recruit you just now." The confidant who was following Zhao Quan asked when he saw that everyone had dispersed.
Zhao Quan nodded slowly and meaningfully: "This Fifth Highness is a top-notch smart man, not only the thoughts of the four majors, but also the temptations in his words and the unconscious revelations of information."
The confidant scratched his head without understanding, and Zhao Quan patted his head: "You still have a lot to learn. If the four major banks are really established, and bank branches in various places are established, think about how many people will participate.
in?"
"That's a big ocean."
"Yes, a bank needs to be established and run by someone. Can the imperial court recruit a large number of officials to become bank operators? Impossible."
Zhao Quan's confidant was also a smart man, and he made the point: "Oh, then the imperial court has to recruit a lot of people, and those with experience will definitely be given priority. Those of us from the bank will definitely be recruited by the imperial court."
"Yes, this is inevitable, so when His Highness the Fifth Prince asked me to go to the bank, he was not just talking nonsense. He was telling the truth. It's just not just a simple sentence that I can go to. He also needs to see my ability."
"But boss, don't you want to give up such a huge property of our Jiang Family Bank?"
Zhao Quan smiled bitterly: "I don't want it? The river is rolling in. Those who follow it prosper and those who go against it perish."
"Adang." Zhao Quan called out the name of his confidant.
"My boss."
"If I go to the bank of the imperial court, although I am not an official, if I can really climb up in the imperial court, I may not have to grovel when I meet those third-grade officials in the future. How can I be like now, just take a sesame seed and a mung bean size?
All the officials have to be careful."
People, if you don’t have money, you will want money; if you have money, you will want power; if you don’t have money, you will be lustful even if you have money.
Zhao Quan's keen business sense told him that this might be an opportunity for him. A man who worked hard in a small mountain village would not be able to let go of such an opportunity. Regardless of whether he succeeded or not, the temptation to cross the class after success was worth all his efforts.
Go gamble, maybe this is the only chance in his life.
"Adang, if the iron rice bowl of the imperial court is placed in front of you, do you think these people from the bank will stay in the bank instead of going to the bank of the imperial court?"
Adang thought for a moment: "Probably... no."
"Definitely not. This is what I mean by the rolling rivers. The two His Highnesses already have a rough plan for what they want to do, and the idea is feasible and beneficial to the country. Their identities, His Majesty's support, and the momentum of this matter
If I have to, all I can do is find a way to catch the big ship that rides the wind and waves in this rolling torrent."
"Then boss, what should we do?"
"Help me call the other two bosses. I want to put what I have learned throughout my life on paper, and also write down some of my thoughts on the implementation of the bank, and submit them to the two highnesses for their advice and loyalty."
Excellent businessmen can quickly switch behaviors in the face of interests and pursue profits.
