Just when Zhu Si welcomed Empress Dowager Jiang into the palace.
Inside the official office.
Zhu Hao took a break that day and was studying his business plan, the most important of which was to expand the bank to Nanjing and closely connect Shuntian Prefecture and Yingtian Prefecture.
"...The Queen Mother has entered the palace. From then on, Your Majesty has been restrained. It is estimated that Your Majesty will not leave the palace again in a short time... What are your plans?"
Tang Yin appeared at the side and looked at Zhu Hao writing furiously without showing much surprise.
When Zhu Hao was still in Prince Xing's Mansion, he liked to scribble randomly when he had nothing to do, and he had already adapted to it.
Zhu Hao said: "What do you think is so interesting about being in the palace? Even if the Queen Mother enters the palace, it is impossible for Your Majesty to visit her every day. She will definitely come out of the palace."
joke.
Zhu Si likes to go out of the palace because he feels lonely and cold in the palace?
I definitely want to play in the palace!
It was as if his mother and family were in Prince Xing's Mansion, but he still wanted to go to Anlu City to play.
Can the world inside the palace and outside the palace be the same?
"Meng Zai is hosting a banquet today to entertain many officials who came to the capital from Prince Xing's Mansion. Will you go?" Tang Yin asked.
Zhu Si went to the capital before and brought a group of officials from Prince Xing's Mansion. However, after all, Prince Xing's Mansion has its own system, and a small half of them stayed in Anlu. This time, most of them followed Princess Jiang to the capital, leaving only the officials from Prince Xing's Mansion in Anlu.
It is an empty shell and is left to the local state government to look after and take care of.
Now that he is an emperor, what is there to be attracted to in a royal palace?
When this group of people arrived in the capital, Jiang Lun, as the younger brother of the Queen Mother, and because he wanted to win over people's hearts and prepare for his future title, did not need the emperor to arrange this banquet. Just the Queen Mother Jiang's instruction alone was enough to make Jiang Lun happy.
Done.
Zhu Hao said: "I won't join in this kind of excitement. Now more and more people are coming to the capital from Prince Xing's Mansion, and when there are more people, they become confused. My identity is very easy to be exposed. I may have come here as many times recently."
Reduce...if anything happens, I’ll leave it to you, sir!”
Tang Yin frowned: "There are so many court affairs, you want me to handle them?"
The implication is, are you kidding?
Even if I follow the script and make the cabinet vote the content of Zhu's approval, the problem is that I can't imitate the emperor's handwriting. Do you really think anyone can replace the new emperor?
Zhu Hao looked indifferent: "Your Majesty cannot rely on me for everything. Now that the Queen Mother has entered the palace, it is time to cultivate his ability to be independent... When he comes out of the palace again, I will leave the matter to him personally.
There are few arrangements, how can outsiders know how to behave?"
Tang Yin rolled his eyes: "Now you know it's inappropriate? Why did you go there earlier? You are the only one who can persuade me. Besides, you are indispensable in the Ming Dynasty!"
"casual."
Zhu Hao still didn't take it seriously.
…
…
Zhu Hao really wants to relax a little now.
He couldn't work in the Hanlin Academy during the day, and he had to be Zhu Si's stand-in when he came back in the afternoon. At first, he felt that he had a huge sense of accomplishment in being able to handle the affairs of the Ming Dynasty, but over time, he began to slack off.
I'm not the emperor, why do I have to make myself so tired?
If you want to change the Ming Dynasty, you can't do it by reviewing memorials. You should also expand the business system and do some scientific research so that industrial civilization can come to China as soon as possible.
So now Zhu Hao is far more passionate about doing business than being an official.
He went to see Su Xigui that day.
"...Little Master, the bank has just opened. Huizhou merchants and merchants from all over the country don't recognize it, but with the help of my superb lobbying skills, I have accepted more than 60,000 taels of silver for deposit, and there are also 40,000 to 50,000 taels of copper coins...
"
Su Xigui was very excited.
I thought that opening a money shop was a bit of a trick and would not make it bigger and stronger.
But having a government background means it is easy to do things. This model of making money with money is the way to make money.
Su Xigui used to be too focused on the real industry, especially on buying low and selling high, and never thought that the financial services industry could also make such money.
Zhu Hao said: "Give them interest. Of course they want to deposit money in the bank account. They are betting that you will not fail in the next two or three years. But because Huang Gong is only in Nanjing as the Minister of the Ministry of Revenue, he came to surrender.
There are not many people yet...how much money has been lent out?"
Su Xigui said with a smile: "It seems to be between forty and fifty thousand taels. I heard from my boss that he left some money in savings... Actually, it doesn't matter whether I keep it or not. I can afford to pay for this little money."
Compared to Su Xigui's family, which has a large business, it is still possible to raise hundreds of thousands of taels of silver.
Even if Su Xigui was not as wealthy as his country, in the past few years, he relied on the reform of the salt field, Huang Zan served as a minister in Beihubu, and handed over a large amount of salt to him, making Su Xigui become the largest salt merchant in the Ming Dynasty.
After all, the reform of the beach tanning method was initiated by Huang Zan, so his own white gloves will naturally be cheaper in the business world.
Zhu Hao said: "One hundred thousand taels is still too little. We need to develop the scale of the bank to one million taels within one year, establish and improve the system in the north and south within three months, and open the bank in about half a year."
It went to provincial capital cities all over the Central Plains and developed to all parts of the country within a year..."
Su Xigui was speechless: "Young master, if you want to be ambitious, you are better. I am really ashamed of myself."
"What's the point of talking nonsense? We are all businessmen, there is no point in engaging in such vain things. Your Majesty has won a victory over the ceremony. I estimate that the civil servants' counterattack is about to begin, and it will definitely happen.
Focusing on the financial and food aspects of the Ministry of Household Affairs, and the previously planned accounts of river workers, the self-examination of the Ministry of Household Affairs and the Ministry of Works is about to be completed."
Zhu Hao analyzed the current situation.
Su Xigui said with a smile: "The army has not moved, the food and grass have gone first, and the young master is far-sighted."
Zhu Hao looked at Su Xigui and felt that something was not right about him today, so he complimented him a lot.
"One hundred taels of silver, with a monthly interest of one cent, or an annual interest of two cents. After deducting the interest, the annual income is only one hundred thousand taels, which is still too little. What is the use of the court now?
The annual expenditure must be four to five million taels of silver to stimulate the Ming Dynasty's economy..."
After the mid-Ming Dynasty, silver from South America began to gradually flow in, the price of silver gradually dropped, and silver became the main currency in circulation.
After Zhu Hao entered the court, he paid attention to the expenditures of the Ming Dynasty over the years. Although the Ming Dynasty did not have the habit of calculating general ledgers, the amount of silver in and out of Taicang alone was about three million taels a year. Grain dispatch was mostly attributed to local warehousing and local taxation.
Everything paid was exchanged for silver at the market price and turned over to Taicang.
According to this calculation, by the end of Zhengde's reign, the imperial court's annual expenditure, converted into silver, would not exceed five million taels.
Nine-side dispatch accounts for 40% to 50% of the total, and during war years it can even account for 70% or more, because the grain development system has collapsed, the northwest merchant villages are desolate, and the expenses in the northwest are almost entirely supported by Taicang.
In normal times, river engineering accounted for 20 to 30% of the Ming Dynasty's expenses.
In addition, the biggest expenses are official salaries and the construction of palaces and temples, which can no longer make ends meet. If there is a disaster in the local area or something happens, the court cannot simply change the money, nor can it use inflation.
Looting wealth from the people can indeed easily lead to a deficit in the government's finances.
Didn’t various social problems in the middle and late Ming Dynasty arise from this?
Collecting business taxes will inevitably cause great conflicts with the gentry class as what happened later. After all, the main people who control the market economy of the Ming Dynasty are the official class. It seems that officials cannot do business, but in any era, subletting of power cannot
Containment, power brings money, who doesn’t want to realize the power in their hands?
Then there is the big landowner class.
These people have the right to speak in society, and they will treat anyone who touches their cheese as their enemy.
Zhu Hao knew that some reforms seemed impossible to implement for the time being. If he wanted to make the Ming Dynasty rich, the best way was to first develop the financial industry, commerce, etc. Since he could not use policies to steal money from the gentry class, he could not collect money from you.
If you pay taxes, then I will make money from you with what you are good at.
If you are doing business normally and your skills are inferior to others and you are losing money, you can't rely on the government's policies to deprive you of it, right?
Su Xigui also looked forward to Zhu Hao: "If you run a business of 10 million taels a year and earn a million taels, you will be able to help the court even more, right?"
"Still less."
Zhu Hao was more greedy than Su Xigui, "It's best to earn enough for the court expenses a year, which is roughly enough."
"Isn't this...impossible?"
After all, Su Xigui was the white glove of Nanjing's Minister of Household Affairs, and he had some understanding of the expenses of the Ministry of Household Affairs of the Ming Dynasty. "It might require more than 50 million taels. Even if the wealth of all the merchants in the world were gathered together, I'm afraid it wouldn't be enough."
so many."
Zhu Hao smiled and said: "If you want to grow bigger, you can't just focus on the money in the hands of merchants. You must develop your business to all the people."
"this……"
Su Xigui thought to himself, this person really dares to think.
What about dreaming?
It’s not easy for ordinary people to save some money. Do you still want them to deposit money into a bank account?
"The people also pay attention to interests. First of all, we must be honest and honest, not expand blindly, and be willing to sacrifice some interests to win over the people. Only then can we gain their trust. Even if there are any major events in the future, the court can also borrow money from the bank.
Money can also be borrowed at interest, and then the imperial treasury will not be stretched when major events occur."
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Zhu Hao even said a theory that Su Xigui had never heard of.
The court asked a banker to borrow money?
When the imperial court runs out of money, can we still pay it back?
Thinking about it again, no, if Zhu Hao can influence the new emperor, and if everyone from the emperor to Zhu Hao, a powerful official who may appear in the future, abides by the contract, then this matter is still enforceable.
The important thing is... Zhu Hao originally opened the bank account.
It is equivalent to saying that the imperial court transferred the money from the left hand to the right, deposited the money in the bank account, borrowed the money from the bank account later, paid the interest to the bank account, and the court accounted for the majority of the profits.
It's really a sure profit.
"Young master, the chambers of commerce in various parts of the capital have many concerns about bank accounts. Do you think you can find an opportunity...or find someone to communicate with them?"
Su Xigui also had another purpose in meeting Zhu Hao, which was to gain more policy support.
Nowadays, most merchants are willing to save money because of Su Xigui's face, not the court.
Zhu Haodao: "Let Director Tang of the Ministry of Revenue go back to see them and promote the policy to let them know that this will benefit the country and the people."