Chapter Five Hundred and Fifty-Five Fear of Moving the Head
The Shaofu family order began to complain.
"The clan in the south is powerful, and the progress of the Shaofu Bank in the south has not been smooth."
When Emperor Wende heard this, he said directly: "Isn't there still Jinwuwei? I don't believe that those places are powerful and dare to oppose Jinwuwei. Someday I will ask Jinwuwei to go to the south and kill him. Everyone has been killed, can the Shaofu Qianzhuang be established in the south?"
Facing Emperor Wende's gaze, the Shaofu Family Ling subconsciously fought a cold war.
Did he see strong killing intent in Emperor Wende's eyes?
Obviously, it was not a whim of Emperor Wende to start the massacre in the south, but he had already had this idea. Just waiting for an opportunity.
The poor progress of Shaofu Qianzhuang in the south gave Emperor Wende a reason to kill.
Emperor Wende had been on the throne for two years, but in the thirty-eighth year of Kaiyao, the Caijia Tu Village case killed a thousand people in one go.
After that, for more than a year, Emperor Wende rarely started killing.
The courtiers all said that Emperor Wende was more merciful than the previous emperor, and was a benevolent monarch.
Now it seems that where is Renjun. Emperor Wende is holding back his big move.
If you don't kill it, you're done. Once you start killing people, your head will roll, and thousands of people will be implicated.
Emperor Wende and the previous emperor are indeed father and son, they are both the same bloodthirsty, but in different ways.
The Shaofu family made his throat roll, took a deep breath, and finally found his voice, "Yes, I can do it."
Emperor Wende laughed, "It's good to do it! I have high hopes for the Shaofu Bank. Whether my people can live a good life, your Shaofu Bank bears a great responsibility.
The imperial court is too weak to take care of it in many places. But Shaofu Bank is different. Wherever money is needed, there should be staff from Shaofu Bank.
In the big week, what is the situation now? In addition to the reports of local officials, Qianzhuang also has to shoulder the burden of information collection.
I don't want Shaofu Qianzhuang to be deceived. Uncle, do you understand what I mean? "
"I don't dare to do it! I understand! I must do the errand that His Majesty explained."
Emperor Wende nodded with satisfaction, "I know your loyalty. Over the years, the young mansion is in your hands, and it is getting better and better. Not only does it support so many people, but it is not easy to have such a surplus every year. .
However, I know that Shaofu can do better and make more money. Where the Ministry of Household cannot take care of it, the Shaofu must take the initiative to take responsibility. "
"The minister obeys the order!"
The Shaofu family is under great pressure.
In order for the Shaofu to achieve today's results, he tried his best to almost drain the potential of the Shaofu.
Keep up the good work and earn more money.
For a time, the Shaofu family was very worried.
Money is not so easy to make, where will the new profit point come from?
At present, it seems that we still have to rely on Shaofu Bank.
Emperor Wende sat at the desk, flipping through the ledger.
He asked curiously: "I still need to pay interest for saving money? What's going on?"
These days, when people deposit money in the bank, not only does it have no interest, but they also have to pay the bank a storage fee.
Shaofu Qianzhuang did this before.
However, with the increase of business volume, the speed of Shaofu's absorption of savings is far behind the speed of loans.
The amount of funds of the Shaofu itself is not unlimited. With the financial support of the Shaofu alone, the bank can't do much at all.
This is why, these days, private banks, even the largest private banks, are unable to bloom everywhere. Branches can only be opened in limited bustling cities.
In remote places, you can only watch as the local snakes are monopolized.
The Shaofu Family Ling occasionally mentioned this matter in front of Gu Jiu, feeling that the financial pressure was high.
Gu Jiu sneered at him at that time, "You Shaofu Qianzhuang holds a golden mountain, but you don't know that money generates money, which is really annoying. If you ask me to do this Qianzhuang business, I guarantee that any private Qianzhuang, Shaofu Qianzhuang, will drink all of them. Northwesterly. No one can compete with me."
What a big breath.
When the Shaofu family heard the order, he immediately became excited.
He immediately asked: "In addition to borrowing money, how does this bank make money?"
Then he asked curiously, "Why don't you do money business?"
Gu Jiu sighed, feeling very aggrieved, "If I got involved in the bank business, I would be able to build the largest bank in Dazhou within a few years, holding most of the world's money in my hands. The real estate business is enough to make a hole in my hand. Holding a golden egg, I'm afraid my head will move."
At that time, when the Shaofu family decree heard these words, Gu Jiu only thought it was an exaggeration and unfounded worry.
Holding most of the world's money in his hands is not a joke.
But then Gu Jiu gave him an idea, and it was just the beginning of the trial, and the Shaofu family decree knew keenly that if Gu Jiu was asked to open a bank, there really was no such thing as a bank in the Shaofu.
The world's money is really likely to be taken away by her.
No wonder she refused to do the bank business.
Life is more important than money.
When her wealth was so great that the world looked at her, her status as the prince's wife could not be preserved.
Therefore, Gu Jiu would rather do some slow-earning projects, and not get involved in the bank business.
Hearing Emperor Wende's inquiry, the Shaofu family decree considered his words, and then said: "The Shaofu Qianzhuang is under great pressure on funds, and there are very few people saving money. The old minister is anxious. If the funds are broken, how can the Shaofu Qianzhuang be destroyed? Open all over the world, does it not live up to His Majesty's expectations.
Later, Mrs. Zhao gave Wei Chen an idea. She said, give some interest to those who save money, and promote it a lot, so that the old landlords can save all the gold, silver and copper coins buried in the cellars in the bank for interest, so that the bank will have the capital.
It can also replace the Ministry of Household and collect gold, silver and copper coins all over the world. Over the years, the court has been suffering from insufficient copper coins. If you can really collect the copper coins that the landlord's old wealth is stored in the cellar, it is worth paying some interest to the depositors.
Therefore, the old minister listened to the advice of Mrs. Zhao and temporarily implemented the system of depositing money with interest in the Gyeonggi area. "
"Oh!"
Emperor Wende pondered the stakes here and asked, "Is it possible to save gold, silver, and copper by saving money for interest? I see in this ledger that it is a trial run for a month. How does it work?"
"Report to Your Majesty, because there is no publicity, the effect is not obvious. The old minister originally planned to fully promote this system when the spring begins. Please allow Your Majesty."
The Shaofu Family Ling bowed and pleaded.
Emperor Wende snorted, "If the old landlord can really move the gold, silver and copper coins stored in the cellar out, deposit them in the bank, and pay some interest."
The copper mines in Dazhou, as well as the gold and silver mines, are not rich.
In addition, the people have the habit of depositing money in cellars and not spending it for generations, so there will naturally be less and less gold, silver and copper circulating on the market.
The court wanted to cast money, but there was not enough copper.
As a result, the quality of copper coins is degraded and adulterated. The proliferation of privately minted coins further affected the taxation of the imperial court.
Especially in the south, private coinage has reached the point of blatant.
Even the salaries issued by the local officials to the yamen were made of privately cast copper coins.
Don't underestimate a small copper coin.
For every copper coin issued by the Ministry of Household, a portion of the income can be obtained.
The less copper coins issued by the Ministry of Household, the less income it will get.
In the early years, it is estimated that several decades ago. The Ministry of Household makes millions of taels a year just by issuing copper coins.
Today, this income has dropped to 100,000 taels. The difference of ten times is heartbreaking.
The Ministry can't do anything either.
There are limited copper mines and very little brass circulating in the market.
In addition to the imperial palace and large families, a large amount of brass is consumed every year.
There is nothing left of the brass left to the Ministry of Housing.
The copper coins issued by the imperial court naturally became less and less.
A vicious cycle that has never been resolved.
Until today, Emperor Wende seems to have found a solution to this problem.
Emperor Wende emphasized again, "As long as the copper coins stored by the common people can be collected, even more interest will be paid. I can even decree that the local government will help the bank to promote the money. In the future, the tax and silver collected by the government can even go away. The accounts of the bank will be settled after they are gathered in the capital."
The Shaofu family was pleasantly surprised, "Your Majesty really let the tax bank go to the bank account?"
That's a huge amount of income.
Even if it is only deposited for a short period of one or two months, it can solve the big problem of insufficient capital in the bank.
Emperor Wende said: "The premise is that the Shaofu Qianzhuang really has a way to collect the gold, silver and copper that the landlord's old wealth buried in the cellar. If it can't be done, I have no reason to ask the government to deposit the tax silver in the bank, and then Settlement in the capital."
The commander of the Shaofu family looked very motivated, "Don't worry, Your Majesty, the old minister will never fail His Majesty's request, and he will definitely use every means to collect all the gold, silver and copper that the landlord's old wealth is buried in the cellar."
"That's great. Wait, the bank is planning to issue small-denomination bank notes?"
The commander of the Shaofu family said quickly, "Mrs. Zhao suggested that since the folk copper coins are to be collected, there must be something to replace the copper coins.
In the past, the smallest denomination of silver notes was one tael. But the vast majority of people do not use silver at all in their lives, only copper coins.
If you want to collect the copper coins in the hands of the common people, it is necessary to issue small denomination silver bills.
The old minister discussed with the officials of the young mansion for a long time, and planned to print and distribute 50, 100, 200, 500, four kinds of small denomination silver notes first. "
Emperor Wende asked curiously, "Why only print a silver note with a denomination of fifty wen? Ten wen, one wen, can't you?"
"People don't have the habit of using silver bills, and it's easy to put them in their pockets. In general transactions, copper coins are still used first. It's not too late to print silver bills with smaller denominations after the people get used to using silver bills."
Emperor Wen De suddenly understood, and nodded again and again, "You are very thoughtful. The common people are used to using copper coins, and they havetily replaced copper coins with silver bills, for fear of provoking civil upheaval. Yes, yes, it is indeed the old-fashioned approach. Just follow Do it slowly with the plan. I believe that your young government can handle this matter well."