Zhang Siwei, who lived in the 14th year of Wanli, rested for more than half a month due to the coldness invading his lungs, severe cough and fever after the beginning of spring.
The Prime Minister was in poor health, and Zhu Yijun's insistence on "not crossing the line" for more than half a year was unsustainable, so he had to share a lot of Zhang Siwei's work - only the emperor could take over the decision-making function of the Prime Minister, and the Vice Minister could intervene in the short term. Over time,
It is inevitable that the work content in charge of the Deputy Prime Minister will invade the powers of other ministries.
Zhang Siwei was in his sixtieth year and had already lived beyond the age of the original time and space. However, his father died of illness three years ago, and then his two younger brothers and stepmother Hu died of illness one after another. Traveling back and forth to the funeral caused great harm to Zhang Siwei's body.
.
Although he did not have to abide by the system due to filial piety due to the Great Reform, many conservative ministers secretly advised him to abide by the system on the grounds of illness, so Zhang Siwei withstood some pressure; on the other hand, because of Zhu Yijun's protection of the "Chu Party",
Zhang Siwei is tied up in the cabinet. Although he positions himself as an "official minister", it can often be seen that Zhu Yijun is not satisfied with him.
Seeing that the Wei Dynasty came to convey the order, Zhang Siwei knew that it was useless, but he still asked the Wei Dynasty emperor why he had summoned him. As expected, the Wei Dynasty emperor said with a straight face: "I don't know."
Although Zhang Siwei was a little angry in his heart, the Wei Dynasty was strong without desire and would not hold back. Even though he was the Prime Minister, he had no choice. He could only smile and said: "Eunuch Wei, please go back and reply to the order. I will be there right away."
When the Wei Dynasty returned, Zhang Siwei changed his clothes and analyzed the reasons for the emperor's summons in his mind. This year's major internal and external events include the emperor's intention to change the political system; the second is the canonization of various countries; the third is financial reform; and the fourth is water conservancy projects.
Continue to advance; fifth, Shanxi and other places are resuming production after the disaster - could something happen in Shanxi?
Zhang Siwei directly guessed that something was going on in Shanxi because Liang Wenmeng had written to him earlier, informing him that the matter entrusted by his brother Zhang Sixiang had been completed, and the Heshengyuan Bank founded by the great merchant Wang Quan had obtained the acting Shanxi Chief Envoy.
Although the business qualifications of Si Qianliang Storage are not as large as those of Industrial and Commercial Bank of China, being able to enter this circle is the most important thing.
At the end of October last year, after more than two months of research, the Dachao Conference passed the "Huangming Financial Management Charter" (Interim), "Financial License Issuance Management Measures" (Trial), and "Commercial Bank Deposit and Loan Reserve Management Measures"
(Trial Implementation) and a series of other financial regulations.
A series of regulations have brought many financial businesses such as banks, banknotes, and pawns that grew wildly among the people into management regulations, and the Huangming Central Bank was established in the Ministry of Accounts, responsible for supervising the national financial industry, minting and issuing coins, and issuing them.
Commercial bank license and implementation of supervision and inspection.
At the same time, the original "Daming Jingshi Bank" and "Nanjing Bank" merged to become "Daming Industrial and Commercial Bank", which was placed under the management of the Central Bank of the Ministry of Accounts. It still had to pay a large amount of reserves to the central bank. The Ministry of Internal Affairs actually paid 2,600
Ten thousand taels, which is said to account for 40% of the total savings of ICBC.
Banks owned by the royal family are still supervised by the Ministry of Accounts. Regardless of whether it is a pretense or not, this gesture exceeds Zhu Yijun's repeated encouragement to industry and commerce.
But Zhang Siwei, who knew the inside story, knew that the emperor had already taken advantage of him. Before the reform, the imperial court did not have such a new thing as a bank. The two major banks, Jingshi and Nanjing, established by the imperial industrial and commercial group, were regarded by officials as belonging to the imperial court, and their birth and development were natural.
All money businesses related to official business, such as the payment of salaries to officials in the capital and various places, and the transfer of salaries for garrisons in various places, were all in the favor of the imperial court, and were placed in the two major banks.
As a result, when the management policy was introduced, the royal family took out the share capital structure of the two major banks - the royal family accounted for 75%, the clan accounted for 10%, the nobles accounted for 10%, and the remaining half belonged to large private businessmen.
, anyway, it has nothing to do with the imperial court. Except that its major shareholder is the royal family, it is no different from a bank established by the private sector.
Gu He
From the cabinet to the capital officials, no one could find fault with the emperor. There was no such thing as a bank before. But the ministers who looked back on it had their own thoughts - the royal family can do it, why can't my family do it? Zhang Siwei immediately wrote
I wrote a letter to my fourth brother Zhang Sixiang at home, asking him to organize Shanxi merchants to set up a bank: This is the big business that will be passed down to the family!
As the fourth brother of Zhang Siwei, the prime minister, he stood behind the scenes and joined forces. Standing in front of the stage was Wang Chonggu's nephew Wang Quan - the same person who had cheated on Wang Chongguang and sent a message to the capital for Wang Chonggu.
.
In less than half a year, Heshengyuan, a combination of power and business, was born with a total share capital of 26 million. Together with the newly established Huaiyang Bank, Zhili Bank, Guangdong and Guangdong Bank, and Dongyu Bank, it is also known as the "Big Five".
Bank", and its capital ranks first among the five major banks.
The speed of the birth of big banks exceeded Zhu Yijun’s most optimistic estimates: since the Imperial Meeting last August, the integration of capital across the country has been proceeding at the speed of light—Guangbao Trading Co., Ltd. of the Ministry of Post Office made all the money of the year in this half year alone.
Investment has now extended its tentacles to Foshan.
In addition to the five major banks with tens of millions of dollars, banks with millions of dollars have sprung up in major cities. There are more than fifty in the country - no bank with a deposit of 100,000 yuan has applied for a license, because every bank has a bank deposit of 100,000 yuan.
The application fee for a license exceeds one hundred thousand taels.
The court used high licensing fees to squeeze small capital out of the financial market, and made it clear that businessmen without large amounts of capital should not get involved in this business - lest the court clean up the mess after bankruptcy.
...
Zhang Siwei sat down with two people in the political hall. After entering the palace, he kept thinking about the reason for the emperor's summons - as expected, it was probably about financial reform. Although his younger brother Zhang Sixiang stood in the Hesheng Yuan
Behind him, it is impossible for the emperor not to pay attention to such a big stall. If the emperor asks, what should I say?
In his opinion, today's major banks are rushing to compete for land. During this period, they are competing for and attacking each other. And who can stand at the forefront of the tide, which one does not have a big force behind it?
It is normal and normal for me, Lao Zhang, to have a hand in it.
Behind the Industrial and Commercial Bank of China stands the emperor, who has already passed the Ming Dynasty. Behind the Huaiyang Bank is the Salt Merchant Consortium, with two British public servants as the general backend. Behind the Zhili Bank is the Northern Industrial and Mining Consortium, and behind it stands Zhang Jing.
; Behind Guangdong and Guangdong Bank is the "Myanmar Gang", with Gong Xian and Deng Zilong standing in the front, followed by Luo Wanhua and the Zhongxing Junwang family in the cabinet; only Dongyu Bank is more mysterious, and the shadowy figures behind it are unclear - Wang Guangguang
He and Ling Yunyi are very close to two perverts, maybe it was the two of them who pulled this trick.
The world is as dark as crows! Ever since the emperor first opened the way for the royal family to do business, the clan, nobles and important ministers have been jealous for a long time. But each family has no capital, no technology, and no emperor's management methods, so they can only stand aside.
While drooling, it is attached to the royal industrial and commercial complex by providing raw materials and rough processing of products.
After the imperial family reform, the emperor relied on Gewu to establish a technology monopoly before opening up a big hole. The establishment of the Patent Office made various production technologies available for purchase. Since the first year of Wanli, the major capitals have been watching the pigs run away.
Finally, I have the opportunity to go to sea and fight in person - from the industrial and mining industries to the banking industry that are blooming everywhere, they have their origins.
...
Contrary to Zhang Siwei's expectation, the emperor's first question after summoning him was not about financial matters. After the emperor sat down in the Yangxin Hall, the emperor asked: "Mr. Fengpan, Shanxi was hit by a disaster, countless families were destroyed, and mergers and acquisitions were rampant.