Chapter 15 This is not borrowing money, this is betraying the country!
When Wang Chengen came down from Meishan, he was a little confused. He neither understood why the emperor asked him to set up a bank, nor did he fully understand how the bank was run.
After returning to his residence, he first found a few of his confidants and told the story.
The godsons were very excited after hearing this. This thing can be done. You don't have to pay for it yourself, and you can earn some interest for free. Even if you lose, it will be the emperor's money, and any profit will be yours.
"Grandpa, we are capable of running this bank. Grandpa's family and my family can use it. Your Majesty gave us 300,000 yuan and we loaned it to the Ministry of Accounts. We can still get nearly 10,000 taels of silver every time we go here."
! In three years, it will be two to thirty thousand silver, and it will be shared with the emperor. This is a mutually beneficial thing."
"Humph, I just want to get money from the emperor!"
"Grandpa, this is not about getting money from the emperor! In fact, the emperor has a deep intention to do this. On the surface, he is asking us to lend money to the court, but in fact, he is asking us to borrow money from the emperor to supervise the government.
Take care of the place!"
"Is that the intention?"
"Of course that's the intention. Now that we can't send out extra tax supervisors, we can only use this method to make us keep an eye on the local prefectures and counties. As long as our people go over to supervise the money, the emperor will know what happened in the local area last year.
How much money can be collected will help the emperor and the court have more money and food, won't it?"
"Hey, don't say it! This kid of yours has awakened the Zajia family. In this case, you should go quickly, the Secretary of Ceremony and the Royal Horse Supervisor, and invite the two eunuchs over. Let's discuss the bank affairs together. Your Majesty's explanation is not to let
The Za family is here to handle this matter alone."
We invited Wang Dehua, Wang Zhixin and other eunuchs, as well as their staff, and discussed it. We found that it seemed to be a good thing. Basically, they didn't have to spend money and they could still make money. At the same time, through the bank, they could also provide money to their subordinates and
Is it okay for a family member to disagree with such a good thing? The emperor has even decided on a basic strategy for managing the money. If the Ministry of Revenue does not agree to the loan, it will not be borrowed. If it is borrowed, it must be agreed to send people to supervise the money. This business
Reliable.
"Everyone, the Emperor also said that we should raise some money ourselves and put it into the bank. How much money do you think we should raise to put it in?"
"Dr. Wang, we are all poor people, how can we come up with much money? But if the Ministry of Household Affairs can really agree to let us send someone to supervise the money, the Za family can sell some of their property and let the children under them chip in.
Find a way to raise some money for the emperor."
"Can you tell me how many palm prints you can collect at most?"
"It's only about ten thousand taels of silver! It's not easy to come up with this money."
"Okay, I'll give you 10,000 taels of silver! The other leaders in the palace have almost the same amount. Wang will try to raise 30,000 taels."
"Director, this money belongs to our family and life. You must take care of it properly. If the Ministry of Accounts does not agree to supervise the money, we will not be able to get a penny. By the way, if we can arrange someone to supervise the money,
Regarding money, even if the Za family risk their lives, they will still raise more money for the emperor."
After some haggling, Wang Chengen and several senior eunuchs basically reached an agreement on the matter. If this matter really goes as planned, not to mention 200,000 silver, but even 500,000, everyone can come up with it.
But if there is no mortgage, it will be hard to say. In addition to reaching a consensus on the amount of capital contribution, everyone has also calculated the specific personnel arrangements. Since the emperor does not allow the eunuchs in the palace to come forward, how can we just arrange it for everyone?
Can’t the great eunuch’s family, nephews, and brothers be able to come to the stage openly? This is also a good opportunity for their families.
After the discussion, Wang Chengen went to the palace early the next morning to report the situation. They even decided on a place for the bank last night. It was a small private house not far from the palace. This was Wang Chengen's place.
Private residence. Lao Wang doesn’t seem to be a eunuch who doesn’t love money.
"Daban, have you given the money bank a name?"
"These minions haven't decided yet! Your Majesty, can you decide on a name for the minions' money shop?"
"Just call it Minsheng Qian Bank! You should quickly arrange for someone to hang up the sign. By the way, on your way out, ask a few cabinet ministers, as well as Fu Shangshu from the Ministry of Revenue, and the left and right ministers to come over. Also.
Yes, please don’t forget Li Shangshu of the Ministry of Industry, he is also a cabinet minister now.”
Soon, Wang Chengen invited these people over. After retreating from the court the day before yesterday, this group of people had been going to the palace to meet the Holy Spirit, so after being summoned, this group of people moved very quickly.
After arriving at the palace and bowing, Zhu Youjian said as soon as their buttocks were on the small bench. "Let's not talk about the prince going south to supervise the country. I have already decided on this matter. You have agreed to go south to assist the prince."
Let Eunuch Wang use his seal to choose the candidate. There are other important things here this time. I believe you all know better than me that the treasury is empty. The monthly salary of the officials in Beijing has not been paid on time, and it will definitely not work in the long run. I am very worried about this. Fortunately, I
My eldest companion has helped me with my urgent need and raised a sum of three to five million taels of silver. Your household department will use it for emergency purposes first."
Since this matter involved their own interests, the eunuchs in the palace had not revealed the news yet, so after hearing this, the people in the cabinet and the household department were quite happy and quickly thanked him.
"Everyone, please don't rush to thank me. There is some explanation for the origin of this money. Wang Daban borrowed it from a bank in Beijing called Minsheng Bank. The money is borrowed and must be repaid, plus interest."
! But they heard that it was lent to the imperial court, and the interest rate was very low. The annual interest was only six cents, and it was no problem to pay it back in three to five years."
You, the old man, borrowed a debt from us, which made everyone happy in vain. But just borrow a debt, anyway, it was borrowed in the name of the court. Everyone whispered for a while, and felt that even if it was a debt, it would not be enough.
It's acceptable. Let's get the money in our hands first. It's not easy to repay the money borrowed from the court!
"Now that everyone has agreed to borrow money from Minsheng Bank, once it's over, Master Fu will arrange for someone to go to the prince and ask him to take him to Minsheng Bank to get the money back. By the way, when going through the formalities, mortgage a few
The prefectures and counties that collect taxes should also be clearly stated. Your Ministry of Household Affairs must take care of these small people. You have to mortgage the good counties that can collect taxes now, but you can't let some prefectures and counties that fall into the hands of thieves take over."
Wait, what did you say, Your Majesty? Why is there still a mortgage? Fu Shuxun, the Secretary of the Ministry of Revenue, who was the first to react, quickly asked Chongzhen what the borrowing of money was about.
What's going on? Of course, borrowing money must be secured! Is it too much for Minsheng Bank to lend money to the court, and then ask the court to use the taxes of several counties as collateral? For the safety of your own funds, send someone to supervise and accept the mortgage
Are the taxes collected by prefectures and counties excessive? This is what the common people do. Is it possible that the Ming Dynasty was not as good as the common people?
Routine! It's all a routine! Faced with the emperor's legitimate questioning, the cabinet and the Ministry of Revenue wanted to find something to beat this guy up. If you go this way, do you need to borrow money from the bullshit Minsheng Bank introduced by Wang Chengen?
In this case, where can we borrow money? Is this borrowing money? This is betraying the country!