Ming Taizi's Total War

Chapter 63

Not to mention princesses, King Ding, and King Yong, their little fingers are thicker than ordinary nobles, and they are naturally better at spending money.

Speaking of Zhu Cihong's sister, Zhu Yuluo, if she wanted to buy cosmetics, the products sold on the street for one or two taels of silver per box would not be of any interest to her.

You have to have a cabinet of high-quality makeup powder starting at ten taels of silver. This is because the Ming court was destroyed, and it was located in the south of the Yangtze River, and there were fewer craftsmen who specially made these things for the royal family.

Otherwise, the price would be even more unbelievable for the treasures of heaven and earth, overseas rare treasures, and the processing of craftsmen handed down from generation to generation.

If the princess is like this, the two princes don't need to talk about it. When they buy books, they don't go to the street stall to pick a few books, and when they are rich, they go to the bookstore to buy some new books.

Instead, go directly to the bookstore to customize, and let them process books decorated with gold and silver threads or other expensive decorations, which can be called luxury books.

Therefore, Zhu Cihong's money was spent as fast as running water, and quickly.

"Then, according to what you said, I have to come up with some new sources of income now." Zhu Cihong asked knowingly, and Li Jin came to him and said that, didn't he just want him to find a way to make money.

Li Jin kept silent. A gentleman cherishes his reputation, and he doesn't open his mouth for money, like those businessmen who smell like copper.

"Let me think about it first." Since Zhu Cihong entered the late Ming world, he has never worried about money.

After all, as the saying goes, the emperor is rich all over the world, and there is no king in the world, and the king's ministers on the coast of the land.

Everything produced on the land of China belongs to him as it should be, so what money and material matters does he have to worry about?

Li Jin saw Zhu Cixiang holding his cheeks with his hands and felt that he was deep in thought. He should not stay in the study at this time, as he might disturb Zhu Cixiang.

So he straightened his sleeves and wanted to get up to leave, but he didn't expect that Zhu Cihong would stop him as soon as he got up.

"Li Jin, you sit down, I thought of a good idea, come on, go and call Zhou Yuantong, the director of the sticking rod department."

In fact, strictly speaking, it was not Zhu Cihuang's idea. He just copied the experience and wisdom of modern people.

"I wonder if Your Highness has any good countermeasures?" Li Jin didn't expect that Zhu Cihong would be able to think of a countermeasure after thinking for a while, this speed is too fast.

"Open a bank." Zhu Cihong said three big characters loudly.

"A bank?" Li Jin didn't expect that Zhu Cihuang would come up with such an idea. It's good to open a bank, but they have no experience and no goodwill. Even if they open it, no one will come to save it for a while. money.

But Li Jin thought about it again, Zhu Cihong is not a fool, he must have his reasons for doing so, maybe this is a deceitful means to accept bribes and filial piety from other officials.

After all, Zhu Cihong is about to ascend the throne, and there are many civil and military people in the Manchu Dynasty who want to have a relationship with Zhu Cihong. Opening a bank at this time just gives them a chance to show their loyalty. Thinking of this, Li Jin thinks that Zhu Cihong is really clever A Jinshi like him who passed the examination is even more powerful.

"My bank is different from ordinary people's. First of all, the name should be more grand, it's called Daming Royal Bank."

Zhu Cihong chose this name not only to satisfy the evil taste in his heart, but also to dream of obsessing with history in his previous life. He also thought that this move could use the royal reputation to let merchants and common people come here to save money with peace of mind.

The word "royalty" alone is enough to ensure that the bank opened by Zhu Cilang has an unparalleled advantage over the bank run by ordinary merchants.

"Oh, Your Highness, why is this bank of yours called a bank?" Zhu Cihong slipped his tongue for a while. There are no banks in this era, at least not in East Asia. When he said this, Li Jin found a suspicious point.

Zhu Cihong racked his brains, but he couldn't figure out why he was called this name. He had forgotten all the useful and useless knowledge he learned in class, and now his son could only adapt to the situation.

"Naturally, it is to highlight the difference between the bank established by the Gusuo and ordinary merchants. This bank can deposit and withdraw money, and can even borrow money with certain procedures or conditions."

"Whether they are ordinary people, merchants, or even officials, as long as they meet the requirements, the bank will grant them loans after approval."

Zhu Cilang remembered that the money houses in the Ming Dynasty were not yet perfect, and there should be no such businesses, so he forced the business of the modern banking industry to explain to him.

"Your Majesty, isn't there something wrong with lending?" Before the bank opened, Li Jin began to pick Zhu Cihong's thorns.

It can be seen that in the future when Zhu Cihong really opens this bank, how many people in the world will say bad things openly and secretly.

"Well, you don't understand this. Bank lending is for the temporary needs of the people. The interest rate is much lower than that of private usury, and it is safer. It will not make door-to-door collections and beat debtors hands and feet. Stop this tragedy."

Although the matter of lending has always been criticized, for example, Wang Anshi's reform in the Northern Song Dynasty was opposed by countless literati at that time, and they refused to implement it openly and secretly.

Although there are factors of political disagreement among them, the contempt and even hostility of literati and bureaucrats towards lending is real.

Just when Zhu Cixiang was about to give a positive example to convince Li Jin, Zhou Yuantong suddenly came in.

"Your Highness, you are looking for me." Zhou Yuantong, like Li Jin, came many times and did not salute. He found a seat and sat down as soon as he came in.

"Zhou Yuantong, since you are familiar with the situation among the people, you will cooperate with Li Jin to open a Daming Royal Bank in Jinling City."

"About the requirements of the building, I will only say one thing. The decoration of the main entrance must be magnificent and royal. Of course, we are currently short of funds, so everything can be kept simple."

"Secondly, there is the issue of safekeeping the bank's money. Safety is the top priority. Even if a penny is lost in the bank, I have to dig three feet to find it." Zhu Cihong said.

Zhou Yuantong thought to himself after hearing this, it's really strange, why did the prince suddenly call me over, and when I came, he said that he wanted to open a bank. What kind of thing is this? Could it be that the prince has some big plan?

Seeing the confused expression on Zhou Yuan's face, Li Jin thought that he didn't understand the meaning of the word bank, so he explained to him, "This bank is no different from an ordinary bank, except that it has more lending business."

Hearing this, Zhou Yuantong finally understood, and he suddenly realized, "Oh, so that's the case, Your Highness is short of money, do you want a money bag?"

(End of this chapter)