My Daming New Empire

Since the internal supervisor used the royal family, the Ministry of Finance used the word "national" in order to show that it is orthodox.Even so, they still do not allow the inner eunuch to use the word royal.

The eunuchs will not talk to them, they only listen to the words of the emperor, the prince, and the grandson.As for these ministers, they have never paid attention to them, because they do not belong to each other.

After Zhu Zhanji came back, in order to ease the conflict, he added the word "commercial" after royal.Although only two words were added, in this way, it is equivalent to that the bank's project is only commercial, not representing the entire royal family.

At this time, under the leadership of Xia Yuanji, the household department was willing to let go.

However, in order to beat them, Zhu Zhanji also added the word "Development" after Daming Country, indicating that he treated the two banks equally, and no one had a higher status than the other.

On top of them, the Daming Bank was formed by Six Divisions, Jinyiwei, the Metropolitan Procuratorate, the Navy, and the Governor's Mansion of the Five Armies.Responsible for the supervision and regulation of these two banks, and responsible for the storage and transportation of gold and silver coins.

The Sixth Division is the supervisory department of the Sixth Ministry. Jinyiwei and the Metropolitan Procuratorate are both in charge of supervision, and the navy and army are the violent institutions of Ming Dynasty.

So from the beginning, the function of this Daming Bank was not to be in charge of banking business, but mainly to supervise various banks.

Daming Bank will set up treasuries in major state capitals in China to be responsible for the regulation and transportation of funds in each province.Other than that, no specific business will be involved.

As for the two commercial banks, from the names of the two banks, everyone can clearly distinguish the focus of the two banks.

When the Ministry of Accounts and the Internal Superintendent set up a bank, both parties are treated equally, and they can get 50 silver coins for infrastructure construction, 50 silver coins for personnel training and resettlement expenses, and 500 million silver coins for basic reserves.

In addition to the same starting point, the two banks also have their own advantages and disadvantages.

The advantage of the Ministry of Household Affairs is that they have cross-connected networks across the country, have a good understanding of the situation in each province, and can get strong support from the government.

Therefore, Zhu Zhanji asked them to build each outlet under the protection of the state capital and county government, and the entry and exit of government revenue and expenditure in various places are protected by the local government.

The advantage of internal supervisors is that they have a large number of staff who are proficient in business operations. In terms of personnel training, the thousands of people recruited by the household department have not yet understood the specific responsibilities of the bank, and the internal supervisors are already gearing up and preparing to work hard. It's been a game.

Their outlets are basically under the control of the Inspectorate, and their outlets in the county are also under the protection of the local military guards.

Except for state capitals and county towns, the current bank outlets will no longer open downwards. This is mainly a security issue.

Today's banks need reserves of real gold and silver, so security issues are particularly important.

Otherwise, Zhu Zhanji would not ask the navy or the army to be directly responsible for the transfer of gold and silver. With those government servants, bandits might be able to snatch the silver.

Zhu Zhanji did not expect to reach the sky in one step and build the bank into a multi-functional bank like later generations.At present, as long as the outlets can be established and people accept the functions of the bank and are willing to deposit their money in the bank, it will be a great success.

Daming doesn't even need someone to borrow money, because the current infrastructure construction alone won't let the bank's money sit idle.

It is also cost-effective to use these deposits to promote national infrastructure construction, and to give these depositors some interest every year.

What's more, the transshipment of gold and silver is profitable.

In this era, merchants need to hire strong people or government thugs from the dental office to transfer large amounts of gold and silver, and it costs a lot of money to ensure safety.

As for the Escort Bureau, it was an industry that would only appear in the Qianlong period 300 years later, and it did not exist in the Ming Dynasty.

Today's ordinary people mainly rely on the post stations of the imperial court to travel, otherwise they have no personal protection at all.

However, people in this era are accustomed to this, and they will never leave their hometown if there is no major event.

Especially in rural areas, the vast majority of people have never left the county in their entire lives.

Using the army to undertake the transfer of gold and silver can save more than half of the cost, but these need to be borne by the merchants.

Therefore, the bank was established from the beginning, and it still assumed the role of the bank number and the ticket number.

However, because it was established by the imperial court, it was able to undertake some government functions at the same time, which is beyond the reach of ancient bank accounts.

At noon, Zhu Di's arrival added a bit of excitement to the meeting.

Zhu Zhanji also saw Zhu Di for the first time after half a month.When he returned to the palace yesterday, he originally wanted to meet Zhu Di.But Zhu Di left the palace, and it was already late when he came back.

Zhu Di's arrival was stuck on time, and Zhu Zhanji's meeting will be held for a few days.It is not only necessary to discuss the supervisory and restrictive functions of Daming Bank over the two commercial banks, but also to establish independent communication channels between bank outlets, and to discuss the printing and exchange of gold and silver notes, etc.

Every discussion is tedious and detailed, and there is no possibility of cutting corners.

Zhu Di also knew this, so he deliberately came here at noon, and wanted to talk to Zhu Zhanji alone.

His arrival marked the end of the morning meeting, and the Navy Headquarters also prepared a lunch for everyone attending the meeting. Zhu Zhanji had a special chef, and Zhu Di also had lunch with him.

After dismissing the visiting senior officials, Zhu Di did not inquire about the bank, but asked about the Delhi Sultanate. "You signaled Hou Xian to write the letter?"

Zhu Zhanji didn't understand his intention for a while, nodded and said: "He talked to me about his experience of visiting Banggeci, and I feel that these things are closely related to the Timur Kingdom, so I want him to talk to the emperor. Grandpa explain clearly."

Zhu Di smiled and said, "From Zheng He to Chen Cheng, to Ma Huan, and now to Hou Xian... I understand that your eyes have been fixed on Daming. This is a good thing, but it's not a good thing..."

Zhu Zhanji made a cup of tea for Zhu Di himself, and said with a smile: "The grandson is stupid and doesn't understand what the emperor wants to say."

Wang Yan came in with a group of people, and set meals on the long table between the two of them.After Zhu Di waved his hand, Wang Yan dismissed the waiters, and Li Liang and he personally served their grandpa and grandson for dinner.

Zhu Di looked at Li Liang, picked up a chicken leg, put it in Zhu Zhanji's bowl, and said: "Only when you are safe inside can you fight against the outside world. Although the Ming Dynasty is peaceful all over the world, it has troubled a lot. You have been in trouble since you were a child." It is a good thing for me to spread my heart to the whole world and inspire me to expand the borders of the Ming Dynasty, but I have very little contact with court affairs. That's why you are now very popular among soldiers and soldiers, but you are not favored by civil servants."

Zhu Zhanji was even more confused. The government is a place where even Zhu Gaochi can't intervene. What he wants to do must be within the scope of Zhu Di's permission.Now they say that he has too little contact with the government, are they testing him?

So he said cautiously: "The grandson is still young, so don't be in a hurry."

Zhu Di shook his head and said: "Seeing that winter is coming, I have ordered your father to go to Beiping today to be responsible for the allocation of grain and grass in the north, and Huang Huai, Yang Rong, and Yang Pu to assist in governing the political affairs."

Before Zhu Zhanji could speak, he said again: "Since you came back and mentioned Timur country, I have been paying attention to this country. Now they are fighting for the throne, and their power has been greatly damaged. But this country has plundered all directions, and its wealth is like a mountain , even one of their vassal states, the Delhi Sultanate, used tens of thousands of catties of gold to build temples. My Ming Dynasty has now formed an army of Shenji Battalion, but the opponent has only a few artillery, and the soldiers are fighting with swords and spears , he is not my opponent..."

Zhu Zhanji understood at once. It turned out that this war maniac was moved. He couldn't wait to find out the situation first, so he wanted to go directly to conquer them!

Think about it now that Daming has equipped more than [-] musketeers, and there are tens of thousands of artillery corps. If you go to war, the opponent is definitely not an opponent.

But in this way, it also ruined his plan.

Zhu Zhanji remembers that the Yongle Dynasty was about 21 or 22 years, anyway, it was more than 20 years.This year is the 14th year of Yongle, which means that he can live at least six or seven years.

But if he leads the army first this time, who knows when the battle will be over, even if it is over, it will take a long time to digest if he wants to occupy there.

So, do you still have a chance to go out?

In fact, he doesn't care about going to Europe. What he really cares about is to let the entire Ming Fleet develop according to his own wishes and take the path he wants them to take.

Zheng He's voyages went astray, so we have to correct it.If you don't change now, it will be harder to change later.

If you focus on South Asia and Central Asia and fall into the quagmire of war, then you will be affected if you want to develop in the Americas and Australia.

I can't dissuade Zhu Di's war mentality, but I have to delay this matter for a while.

Zhu Zhanji shook his head and said, "Grandfather, war is not just a confrontation between two armies. In terms of firepower, no country is an opponent of Ming Dynasty now. But to go tens of thousands of miles, it takes months to travel by sea, and it takes months by land. It will take more than half a year, or even more than a year. The logistics, marching and deployment, when there is no detailed map, will seriously hinder the combat effectiveness of our Ming army!"

Zhu Di was actually a little embarrassed, and said embarrassingly: "So, I want to ask you to bring the scouts of the young army and the naval power over, ignore the land route for the time being, and go directly by sea, and first destroy the Delhi Sultanate and Timur Kingdom. .”

Zhu Zhanji was a little speechless, how much he wanted to fight, he didn't even want to do the preparations, he wanted to go to war directly.