Wu Cheng, wearing gorgeous brocade, stroked the inch-long rat whispered: "Mr. Zhang, the so-called finance means the placement, circulation and recovery of money, such as our Mingshang Bank, the absorption and withdrawal of various deposits, and the issuance and recovery of various loans."

He said again: "Your Majesty's meaning is to let all our merchants unite and establish a central bank of the Ming Dynasty. If we all make a fortune together, we may even become officials!"

"Be an official?"

Li Xing, a wealthy businessman in Jiangnan, raised his eyebrows and said, "Since the Ming Central Bank is an official system, why don't you leave it to the cabinet and the Ministry of Finance to do it, let us merchants do it? What does your Majesty mean?"

Wu Cheng turned the jasper ring on his hand and laughed: "You have helped Your Majesty so much in the back over the years. Isn't Your Majesty grateful to you?"

A few days ago, Wu Cheng entered the palace to meet the saint, and Zhu Cilang talked with him about the bank for an hour.

At that time, Zhu Cilang told him bluntly that the initial bank must be composed by merchants, and it was simply run by the court, without any credibility, and it was very difficult to continue!

Zhu Cixuan once learned about the development history of banks. During this period of history, some European civilians became rich in business and became rich merchants. For safety, they stored their money in the king's mint.

There are no paper money at this time in Europe, and the "free coin" system is implemented. Anyone can take gold to the mint and mint it into gold coins, so the mint allows customers to store gold.

However, these merchants did not realize that the mint belonged to the king, and no one could stop the king from using the gold inside.

In the eleventh year of Chongzhen, King Charles I of England broke out in a war with the Scottish nobles. In order to raise military expenses, he requisitioned gold from the mint, in the name of loaning it to the king.

Although the gold was returned to the original merchants afterwards, the merchants already felt that the mint was unsafe because the king was later chopped off by Cromwell and his gold almost didn't come back...

So the merchants placed gold with goldsmiths. The goldsmith issued a certificate for the depositors. In the future, they could take out the gold with this certificate. Modern banks were born from this time.

Therefore, the earliest banks in the world were private banks, and the earliest bank vouchers were issued by goldsmiths. They had no direct relationship with the government and were protected by law.

The British royal family once set up banks and embezzled customer deposits many times. Gradually, no businessmen trusted them anymore and could no longer play with them.

In 1694, the Bank of England was established, marking the establishment of the modern Western banking system.

Although this is the central bank of the UK and was also founded by the British royal family, the real operator is an experienced business celebrity in London. It is a joint-stock company established with unlimited numbers, which has become a well-capitalized financing institution.

Of course, the premise is that the money is lent to the government for a long time, and the government has to pay annual interest and management fees every year.

The people do not believe in the government and are worried that their money will be moved at will, and the situation in the Ming Dynasty will be even worse.

Although Zhu Cilang has now completed the initial unification, the reputation of the court is really not very good, and it is not as high as that of a businessman.

If the imperial court is forcibly established a central bank, it is impossible to continue, and the Ming Dynasty's economy may be destroyed.

The central bank is not an ordinary bank similar to Mingshang Bank, but a financial center institution that dominates the country. It is responsible for formulating and implementing the national monetary credit policy and has unique currency issuance rights. It is an important tool for state intervention and regulation of national economic development.

In other words, money is all minted here, and the original Daming Baochao collapsed is a good example.

Rich businessmen such as Zhang Dabiao and Li Xing would be skeptical about Wu Cheng's words, but since the emperor asked everyone to join the group, no one would refuse such good things.

After all, this bank is related to its own wallet, and the silver notes produced are really convenient!

Of course, no one knows this thing very much. Wu Cheng, who has experience in opening a bank, naturally became the leader in establishing the Central Bank of the Ming Dynasty.

No one can take away his position as the leader. Not to mention that Wu Cheng is a person around the emperor, he holds the royal family's financial power, and he has more wealth than those present. How can he compare?

Furthermore, Mingshang Bank has involved many bill numbers and has tied many merchants together in disguise from the perspective of economic interests.

The Royal Group has formed a bond to reconcile the power of merchants from all sides and gradually grasp the economy of the Ming Dynasty.

In addition to the establishment of the Central Bank of the Ming Dynasty, the "New Deal" also proposed to merchants: "Abolish the guild system and monopoly organizations of the industry and business community to promote the development of industry and commerce."

"Build a number of large enterprises focusing on military industry, mining, official roads and shipping..."

"The court promoted advanced production technology, encouraged landlords, merchants and upper-class scholars to invest in the establishment of large factories, encouraged domestic export trade, and developed production-oriented merchants..."

To put it bluntly, it is the imperial court that economically supports these capitalists and promotes the original accumulation of capital.

In the main hall, the merchants all showed joy, and these projects were all great benefits!

In the past, businessmen had a low status and could only form clubs with fellow townsmen or peers to join each other.

Now the emperor not only improves his status as a businessman, but also takes the initiative to speak out, wanting officials and businessmen to cooperate, closely unite, and make money together. This kind of good thing will never be encountered in eight lifetimes!

In the pavilion of Xuanwu Lake, the Supreme Emperor lay on the chair of the Grand Master, looking at the Huangming Times in his hand, murmured: "The king and his ministers gather together, and the temple planning is all about national strength..."

"The small politics in the court is not in the people, the big politics in the people is not in the court, the big things in the people are not in the court, the great way is rooted in the hearts of the people..."

When seeing the land system, the Supreme Emperor Zhu Youjian frowned slightly and said, "The abandonment of private land is a change of eternal changes. Although it follows the will of the people and the people are new, it has been punished by all the gentry in the world. If you don't do it, you will be afraid of the beacon fire in the Jiuzhou..."

However, thinking about Zhu Cixuan's achievements in the Northern Expedition, the 300,000-armored army of iron-armored troops during the Shenlie Mountain parade that day, Chongzhen felt relieved and sighed only.

The content of Tianwu’s new policy was too much and shocking. Innovatives were carried out in all aspects such as politics, military, economy, and culture. The Supreme Emperor believed that it was difficult for him to continue to implement it.

However, one of them was deeply appreciated by the Emperor: "The foundation of the country is established, and the system of inheritance of the eldest son is determined. If there is a legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate legitimate leg

The most important thing in inheriting the throne is to rule the law. As long as the foundation of the country is determined, the descendants of the Zhu family will not have to rush to fight for the throne and kill each other, because it is useless to steal it and no one supports it.

Zhu Ciyang did not seize the throne at the beginning, but also for the purpose of future inheritance of the throne, avoiding a bad start and allowing future generations to fight against each other.
Chapter completed!