My Daming New Empire

There is also Zhu Huijuan, the son of King Min, because his father has been imprisoned many times, and now there are only three hundred followers in King Min's mansion, living in Wugang Prefecture.This Zhu Huijuan came to Beijing from Wugangzhou with only six entourages. Because of his vulgar clothes, he was almost caught as a fake by Wucheng soldiers and horses.

The common people in the capital consider themselves to be under the feet of the Son of Heaven, they are well-informed, and they always have an inexplicable sense of superiority.From the perspective of little people, I also like to spread embarrassing stories about big people.

Although Zhu Zhanji is busy with affairs, he has not paid attention to these people recently, but he is not without attention to them.

However, it's just a matter of attention.

As a great grandson, he didn't need to maintain a relationship with anyone, and he didn't have too much expectations for the Zhu clan, which was raised like a pig.

Although Zhu Yuanzhang's sons did have a few outstanding generations, after two or three generations, almost all the early ones died.

The main reason is that the Zhu family is too big. There are already dozens of houses in the third and fourth generations, and above the county king, and even if he wants to take care of them, he can't take care of them.

Only a few palaces that were closer to him, he asked people to pay more attention to them.

On October 2000th, after more than a month of training, more than [-] trained elites of the era will be dispatched to various places to prepare for the establishment of a bank.

Zhu Zhanji ordered that the "treasurers" assigned to the same place must travel together.

The relationship between the Development Bank of the Ministry of Household Affairs and the Internal Supervision Commercial Bank is in competition with each other.Therefore, during the training period, the people from the two banks did not communicate with each other, and were even full of hostility.

People in the household department look down on the internal prison staff, and the internal prison personnel are not convinced that the household department personnel are superior.

Zhu Zhanji really wanted them to compete with each other, but he wanted to control this competition within a certain range.

Moreover, when the bank was first established, the business scopes of the two banks were not the same. He hoped that the two banks could communicate with each other and avoid detours.Therefore, they are required to be assigned to shopkeepers in the same county in other provinces, and they must go together and exchange experiences with each other.

Whether it is recruiting tellers after reaching the grassroots level, or developing business, the two banks can actually learn from each other.

As for what will happen, Zhu Zhanji can't control too much.

The ministers of the DPRK and China actually complained about Zhu Zhanji's opening of two banks at once.

They strongly supported the opening of the bank by the Ministry of Accounts. Whether it was a general or a civil servant, they all saw the important role of the bank in the country's economic activities.

First of all, the salaries of officials and soldiers are distributed by the bank, and each official will open an account in the development bank, and the monthly salary will be directly distributed.

Everyone has to go to the bank to collect it in person before they can get it, which puts an end to the practice of generals withholding their salaries from the source.

From ancient times to the present, it has been a practice that has been repeatedly banned by the courts of all dynasties, and no one can change it.

But after the emergence of the bank, each person will have an account, and only he and a designated relative can receive it, and no one can pretend to claim it.

Even if this person dies in battle, his designated relatives can also receive the funds in his account.

Of course, their relatives can't get it across banks, they can only get it at the bank where the account is opened.If you want to collect it across banks, you must change the account funds into gold and silver tickets, and specify where to exchange them, then issue the gold and silver tickets, and take the gold and silver tickets to the designated branch for collection.

Such a somewhat rigid financial policy allows the Ministry of Households to grasp the flow of funds across the country and deploy the flow of national funds from a macro perspective.

Of course, generals are not without rights anymore. At the very least, the funds for army construction are still allocated by the generals themselves, but compared to before, they cannot control the soldiers' salaries, and the funds they can control are much less.

And the civil servants have mastered the general's money bag, so they are not afraid of the general's rebellion at all.

Therefore, there was no resistance from the Ministry of Accounts to start a bank from the very beginning, and those civil servants were very active in promoting the establishment of the bank.

From this point of view, the internal supervisor's commercial bank was successfully established because of this shareholder style. Otherwise, it would not be so smooth for the internal supervisor to open a bank.

Among the military generals, of course there are a large number of people who oppose this policy, but now Zhu Di’s control over the army is still relatively strict, and the army has not been corrupted, so some military generals who are empty-paid are no longer willing, and they have no right to object in government affairs , can only be accepted.

There is another important reason why civil servants did not resolutely oppose the establishment of banks by internal supervisors, that is, while commercial banks are established, transactions in large amounts of cash will be gradually restricted.

Restricting the transfer of large amounts of cash by merchants is, to a certain extent, tantamount to controlling the hands and feet of merchants.

Since the Song Dynasty, Lijiao has risen, and the power of civil servants has greatly increased.But the status of the merchants is getting lower and lower day by day, and the merchants have also become the pocketbooks of civil servants.

Although the businessmen were unable to resist, they had been striving for greater power and status for themselves, and even installed many spokespersons for themselves.

If the merchants' capital circulation channels are controlled, it is tantamount to pinching the throats of the merchants.They need to go through the bank to do business, even if they are exchanging gold and silver bills, they have to go through the bank.

How much money each family has, even if it can be concealed for a while, it cannot be concealed for a long time. After all, it is impossible for each family's money to remain out of circulation.

Now that the imperial court controls the circulation of money, it can only be circulated through banks, so it is not afraid that those merchants will turn the world upside down.

Therefore, before the bank was formally established, some ministers proposed to give more power to the Inspection Department, Guangying Treasury of the Ministry of Accounts, and the Department of Hosts and Customers of the Ministry of Rites to set up checkpoints to prevent the circulation of large amounts of cash.

However, this proposal was a bit too early, and Zhu Di directly refuted it.

Before the normal operation of the banks, before all the gold and silver in circulation in Ming Dynasty were replaced with gold and silver coins, the circulation of gold and silver was now strictly controlled, which would directly affect the economic development of the country.

Although Zhu Di refuted it back, everyone knew the future development trend of Ming Dynasty.In a few years, the circulation of gold and silver across the country will be restricted.

The die-casting of gold and silver coins is firmly controlled by the imperial court, the bank is controlled by the state, and the circulation of gold and silver is controlled again, then the national economy is tantamount to being firmly controlled by the Ministry of Households and the internal prison.

Chen Xuan has recently become a celebrity in the capital. Anyone with a discerning eye can tell that Daming Bank will become the most important power department in the future. The power of this department will also be greater than that of many yamen. many.

First, Daming Bank has supervisory and investigative powers over the two commercial banks.

Secondly, Daming Bank controlled the circulation of gold and silver across the country.

The most important thing is that although Daming Bank is nominally under the joint supervision of multiple departments, it is only responsible to the emperor.

In the beginning, the Ministry of Household Affairs and the Ministry of Punishment, the Metropolitan Procuratorate, the Internal Superintendent, and Jin Yiwei just arranged some marginal figures into the Daming Bank, which is equivalent to distribution.

But now, after many people have seen the importance of Daming Bank, they can't wait to arrange all their children and grandchildren in it.

It was only after Chen Xuan was sought after by ministers of civil and military affairs, including the honorable class, that he truly understood the importance of his position from the analysis of his master.

In addition to not having the right to mint coins of the internal supervisor, there is no audit right of the Ministry of Households, which means that the bank controls the entire country's economy.

This is not what he thought at first, just to be a big operator.

In the past, he served as the governor of water transport, and he transported grain, but now, he transported the gold and silver of the entire Ming Dynasty.It also has the right to manage cash flow across the country, which is greater than the actual power of the Minister of the Household Department.

At this time, he no longer regretted being the governor of the bank.

Of course, Zhu Zhanji also knew that the governor of the bank had too much power.It's just that now that banks are starting up, they must be given such great power.

Only when the banking business becomes normal and the national economy becomes normal under control can we decentralize power.

Otherwise, the role of the bank will not be reflected at all with the constraints of all parties.

In late October, Zhu Zhanji became more and more busy, but he was busy socializing every day.

Now dozens of county kings and princes and princes have come to the capital. Whether they are peers or elders, Zhu Zhanji must be in place in terms of face and etiquette.

There is a need to socialize with relatives from all walks of life, and each family has to explain to them the purpose of going to sea, and some disobedient ones have to be beaten.

Of course, he has also received a lot of "gifts" recently. These gifts are not gold and silver treasures, but some cultural relics, antiques and women.