When he heard that Zhang Fengnian stood up and advised those businessmen not to go against the government, Zhu Han's eyes flashed.
"This Zhang Fengnian is not bad."
Zhu Han didn't really mean to help Zhang Fengnian at that time.
The most important purpose is actually to promote the patent policy.
It can be said that both parties are mutually beneficial.
Unexpectedly, this guy Zhang Fengnian would dare to stand up in this situation.
The people who were in Jufeng Tower at that time were all very powerful people. Behind them, even if they were not high-ranking officials in the Yanjing officialdom, they were inextricably related to those people.
If something goes wrong, the little wealth Zhang Fengnian had accumulated might be destroyed in an instant.
After all, if he didn't know what they were talking about in the elegant room of Jufeng Tower, Zhu Han wouldn't have been able to take the initiative to help a businessman he met by chance.
"He is a man who can be made, and he knows how to be grateful, and he is also relatively reliable..."
Zhu Han tapped one hand on the desk in the study room for a while, and then ordered: "Call Shen Jin to come over."
Then, without waiting for anyone to agree, he motioned to the Jin Yiwei to continue.
"Your Majesty, Shen Wansan and the others arrived later..." Jin Yiwei told Zhu Han carefully what happened after Shen Wansan arrived at Jufeng Tower.
"Humph, you smart guy." Zhu Han sneered disdainfully and didn't say anything more.
"It's none of your business here, go down. Remember to ask our people to keep an eye on those businessmen. As long as they don't do too much and cause loss of life, don't worry about them."
The Jin Yiwei men had just left. Liu Shenhong, who had not spoken yet, said angrily: "Your Majesty, these businessmen are so ungrateful. If you hadn't given them a chance, they would not have been able to make so much money in Yanjing City."
"But not only do these guys not know how to be grateful, they actually want to leave at this critical moment and leave us a mess. Don't these guys have anything else in their eyes besides money?"
Zhu Han smiled slightly and asked instead, "Do you really think they will leave at this time?"
Liu Shenhong was stunned when asked: "Isn't it?"
"You..." Zhu Han smiled and shook his head: "I just told you not to underestimate these businessmen, and you forgot so quickly?"
"You can doubt anything a businessman says, but you can't doubt their IQ when making money."
Pointing to his head, Zhu Han twitched the corners of his lips and said with a smile: "The projects they contracted in Yanjing City all required deposits. Not to mention how much money and manpower they invested in these projects.
Material resources.”
"Once you leave Yanjing, all these things will be in vain. If it were you, would you do such a loss-making business?"
Liu Shenhong nodded subconsciously, and then shook his head: "Aren't they already panicking because of Miao Lifu's incident? Maybe in order to save their lives..."
"Fate?" A trace of mockery appeared on Zhu Han's face.
"Just like Hu Shafeng, this guy has been in the fur goods business for more than 20 years. He travels from Liaodong to Guannai once a year."
"Now Liaodong has long been our Ming Dynasty's world, and you can also take the Liaodong Railway to get back and forth."
"But what was the situation like in the past few years? There was chaos and chaos, and bandits were everywhere. I don't know how many bandits I would encounter on this trip."
"Let's talk about the man named Fang Jingsheng. He is a businessman from Sichuan. The road to Shu is difficult, and it is difficult to reach the sky. I don't know how many people die on the road every year. In troubled times, running these business roads is even more dangerous."
"besides……"
Zhu Han told the origins of the names of four or five people in succession.
"These merchants don't care at all about such a dangerous trade route. They run down it one after another. Do you really think they are afraid of death?"
"This..." Liu Shenhong was speechless for a moment.
After hearing what his prince said, he almost admired these guys who got into money.
In order to make money, these guys are really fearless.
"They are not even afraid of such a dangerous trade route. Now a businessman has just been killed, so what do they have to be afraid of?"
"Now you understand why these guys are so excited that they even risk going against the imperial court, right?"
Liu Shenhong nodded vaguely: "I understand... I understand."
Judging by his look, he must not have fully understood.
Like last time, Zhu Han didn't explain it thoroughly.
There are some things that Liu Shenhong must think clearly on his own. Otherwise, he will never be able to take charge alone.
Half an hour later, Shen Jin trotted to Zhu Han's study: "I've met the prince."
"How are the recent preparations for Daming Bank?" Zhu Han asked directly.
This matter was left to Shen Jin to take care of, and Zhu Han was basically a hands-off shopkeeper. It only took ten days and a half to ask Shen Jin to come over and report the situation.
It seems that he doesn't take this matter very seriously, but in fact Zhu Han has never relaxed his supervision of Daming Bank.
After all, no one in the world except him can imagine what kind of role the Ming Bank plays to the entire Ming Dynasty.
Of course, if the operation is not good, Daming Bank will also become a sharp knife that destroys Daming.
Even though Zhu Han wished that Ming Bank would open all over the world overnight, he had to calm down and let Shen Jin do it step by step.
First, the head offices of Daming Bank were established in various state capitals, and then they were centered on the head offices and spread to various places.
"Back to your lord, we currently have 170 prefectures in the Ming Dynasty. We have successfully established 158 Ming Bank head offices, covering almost the entire Ming Dynasty."
When talking about this, a look of pride flashed in Chen Jin's eyes.
The establishment of these Ming Banks was all his hard work. He believed that this achievement was no less than that of his father Shen Wansan.
"Very good!" Zhu Han was actually not particularly satisfied with this result. He had invested a huge amount of money and the court's full support.
The amount of silver investment required to build the entire Yanjing was nothing compared to the establishment of the Daming Bank.
According to Zhu Han's plan, by this time, it should have covered the mainland of China and begun to expand to other territories of the Ming Dynasty.
However, this matter cannot be blamed on Shen Jin. One of the most important reasons for slowing down the progress is that due to the limitations of the times, there is a serious shortage of suitable talents.
Even though Zhu Han has already carried out reforms in education.
But there are still very few financial talents who can truly afford a state bank.
Even if it is heavy gold, in fact, there is no specific concept of what the real Da Ming Bank should be.
Although Daming Bank has put up a new front now, its overall operating model is not much different from the previous bank.
"This is what a villain should do." Even though it was just a good sentence, Shen Jin felt like rain.
"You should work harder to establish head offices in other regions and strive to have the Bank of Ming Dynasty open in all the state capitals of Ming Dynasty before the end of the year."
Shen Jin's voice was like a bell: "The villain must do his best not to let the prince down!"
Although his ability is good, compared with his father Shen Wansan, there is still a certain gap.
The more important reason why I am competent is because I was born in a businessman family and have a thorough understanding of various business operations.
What Zhu Han values most about Shen Jin is not his ability, but that Shen Jin knows how to measure things.
The establishment of Daming Bank involves countless amounts of money. Even if you don't do anything in it, you can still get countless benefits for yourself.
However, Shen Jin has never done anything extraordinary.
Not only that, after Zhu Han handed over the establishment of Daming Bank to him.
Except for Xiumu returning home, Shen Jin never had any contact with Shen Wansan.
This time Shen Jin came to Yanjing, Shen Wansan didn't even know about it.
It was precisely because of Shen Jin's caution that Zhu Han was able to trust him with such an important task.
If Shen Jin acted any more frivolously, he would have been replaced a long time ago.
If you choose the wrong person for this position, the consequences will be too serious.
Shen Wansan and his son have never let Zhu Han down.
"The king called you here this time because there is something I want you to do."
"Please tell me, Your Majesty." Shen Jin quickly listened attentively.
"Do you know Zhang Fengnian?"
If this person Shen Jin didn't know, then his trip to Yanjing City would have been in vain.
In Yanjing alone, Zhang Fengnian's reputation is almost as famous as Shen Wansan's.
"You will send someone to give Zhang Fengnian a loan later..." After thinking about it, Zhu Han continued: "Let's make a temporary reservation of one million taels of silver."
"What?" Shen Jin raised his head in shock, somewhat suspecting that His Royal Highness was joking with him?
I called him here today to give Zhang Fengnian a loan?
He admitted that Zhang Fengnian was indeed an excellent businessman.
Five hundred thousand taels, for ordinary people, may be a huge amount of money that has not been seen in several lifetimes.
With this amount of money, I can even set up a good business company.
But to Shen Jin, this little money is really nothing. As the son of Shen Wansan, the richest man in the Ming Dynasty, Shen Jin's own family is many times richer than Zhang Fengnian.
Not to mention, in order to establish the Daming Bank recently, Shen Jin's money coming in and out was basically millions and millions of taels.
But what is the situation now? His Royal Highness actually asked him to give Zhang Fengnian a loan.
Moreover, a quota of more than one million taels was approved in one fell swoop.
Although he doesn't need to do it himself, he just needs to send someone randomly.
But His Royal Highness the King of England specifically mentioned it, so he definitely wanted him to keep an eye on it.
"What's the problem?" Zhu Han asked.
"Your Majesty, our Daming Bank takes the initiative to provide loans to others. Isn't this a bit..." Shen Jin wanted to say that it was a bit too cheap, but he didn't dare to say it directly.
This is a typical money bank mentality. Not only is there no interest when others save money, but there are also handling fees.
Although they also lend money, they are very cautious in this regard. They are basically real estate or real estate mortgages, and the interest rates are also quite high.
Zhu Han's attitude towards Shen Jin was completely different from Liu Shenhong's.
If Liu Shenhong had any problems, Zhu Han basically let him think about it himself.
But if Shen Jin had any problems, Zhu Han would definitely explain everything to him in detail until Shen Jin understood it completely.
The reason for such different treatment is mainly because Zhu Han has different requirements for them.
Regarding Liu Shenhong, Zhu Han hoped to train him into an administrative talent. Such a person must have his own ideas and political opinions.
If everyone listened to him, wouldn't there be only one voice left in the Ming court?
When Zhu Yuanzhang was here, with their brotherly relationship, there would naturally be no problems.
Zhu Biao also has no thoughts about him, but what about the next generation, after he dies?
Zhu Han wouldn't think about this before, but now he has to think about it.
As for Daming Bank, which is responsible for Shen Jin, as long as the system can be established smoothly, it will be a great achievement.
He doesn't need to have his own unique ideas, at least not now. What scares him most is that he is independent and smart.
"Although I told you some things about banks before, I didn't explain them too thoroughly. The reason for this is that I'm afraid that if you know too much, you will be constrained in doing things."
"Today, I will tell you about one of the main incomes of banks, loans."
Shen Jin opened his mouth as if he wanted to say something, but in the end he swallowed it back.
Naturally, his reaction could not be hidden from Zhu Han's eyes.
"I know that you want to tell me that you know all these things. In order to establish Daming Bank, you have dealt with those banks a lot."
Shen Jin nodded awkwardly, then shook his head: "Your Majesty, this is not what I mean."
"Businesses such as mortgage loans are basically handled by local wealthy households or temples and Taoist temples."
"If we do the same thing and promote it throughout the Ming Dynasty, it will definitely affect the interests of those people."
"It's okay to have two families, but if we become enemies with the rich temples all over the world, even if you are not afraid of them, the prince, the cost we will pay will be very high, and we will not get enough returns at all."
"Tsk, tsk, tsk, if you think so, you are totally wrong." Zhu Han smiled and pointed at Yaoyao: "This is one of the most fundamental differences between our Da Ming Bank and those previous banks."
"In the past, money banks lent money to people with equivalent mortgages. The other party mortgaged things to the bank, and the bank then gave the money to the borrower, right?"
Shen Jin nodded at first, and then his expression changed: "My lord, you don't want to say that you can get a loan from us without collateral, right?"
"Absolutely not, Your Majesty! There are too many variables in this case. If we really do this, our Daming Bank will go bankrupt soon!"
Seeing that this guy was really anxious, Zhu Han stopped teasing Shen Jin: "I am not a fool, how could I do this?"
"You still need to mortgage, but who told you that you can only borrow this money once? As long as you borrow a few more people, won't all problems be solved?"
Chen Jin began to wonder again, why could he understand every word of the prince's words?
But together, he couldn't understand it at all.
According to the literal meaning, if he understood correctly... what the prince meant was that the same amount of money was lent to two or even three people?