My Daming New Empire

These merchants started preparing the goods half a year ago, and then they have to wait until next year to get the payment month by month, leaving it to later generations. This is the Overlord Clause.

But for these businessmen, the royal family is willing to take their goods, just to give them face, even if they lose their fortunes, they dare not say a word.

Of course, Zhu Zhanji will also give them some preferential treatment, such as exempting a certain percentage of handling fees for gold ticket exchange, bank support loans and so on.

The handling fee for exchanging gold and silver bills in other places is not low. This mainly depends on the transportation distance and difficulty, but the minimum charge is 5.00%, and the maximum charge is even [-]%.

For example, if you deposit silver in the capital and receive a bank note, you can specify to pick it up in Wuchang Mansion. For 100 taels of silver, a handling fee of five taels of silver will be charged. If you go to Xi'an, you will be charged [-]% of the handling fee, and even if you go to Peiping, you will be charged [-]%.

Of course, if it exceeds 2000 taels of silver, the handling fee will be reduced accordingly.This is basically calculated according to the current cost of transporting silver, and they need to spend no less than this proportion of cost to transport it themselves.

Moreover, the bank's gold and silver bills are all designated for collection, even if they are snatched away, it is useless, let alone worry about transportation safety.

Now the control of the imperial court is basically only at the county level, and there are only post stations and the influence of the inspection department below, and bandits are rampant.

If you transport the goods yourself, you can still spend some money to buy the road. If you transport gold and silver, you still have the risk of being robbed of them all.

If you want to get a loan from the bank, as long as you have collateral, the interest is basically one mile per month and two cents per year.

The annual interest rate of 12.00% is also a high interest rate in later generations, but in this era of repayment of compound interest, this kind of interest rate is simply pitifully low.

Since the loan has interest, of course there is deposit, which is exactly half of the loan.

Zhu Zhanji is not afraid that they will not save money, because the imperial court will set up checkpoints in the future, gradually not allowing gold and silver to circulate in different places.Those merchants who want to do business can only deposit gold and silver in the bank.

As long as someone deposits gold and silver, they are not afraid that the flow of money will not make up for the withdrawal.

Of course, there is a prerequisite for this, that is, the court cannot reach out to the bank.

This is also what everyone is most afraid of. The imperial court in this era has no credibility at all.

Today, people need money for disaster relief, and tomorrow they need money for officials’ salaries. If there is no limit, the principal will be lost within two years.

At the beginning, Zhu Zhanji also wanted to wait until he came back from the Western Ocean to open a bank because of this concern, but he had gained nearly ten million taels of gold and silver in Japan, so he dared to do so.

No matter how prodigal Zhu Di is, this ten million taels of gold and silver is enough for him to toss about for a year or two.

When he returns from the West, he will definitely bring back a large amount of gold and silver.

At that time, I am afraid that we will have to be a little tighter and not put all of them into the market, otherwise it may cause inflation.

Don't think that only credit currency can cause inflation. In this era, the purchasing power of gold and silver has declined, which is also currency depreciation and inflation.

Li Liang brought a group of squires into the public housing. Most of them were in their 50s and 30s, and only two were younger, both in their [-]s and [-]s.

They all looked excited, and they kowtowed to the ground under Li Liang's guidance when they entered the door. They kowtowed three times before they dared to stand up, but they still didn't dare to look directly at Zhu Zhanji who was sitting behind the desk.

Zhu Zhanji waved his hand and said, "Everyone, sit down and talk. If you have any questions, I will answer them one by one today."

Zhu Zhanji's public house is not small. When entering the door, there are two rows of chairs on the left and right sides, and a small tea table between each chair.

In the middle is an aisle, facing Zhu Zhanji's desk, which is three meters long.Behind the desk is a mahogany screen with several guards sitting behind it.

There are a few soft stools in front of the desk, but not many people can sit on these soft stools.At most, Zheng He, Liu Jiang, Meng Ying and the others came to sit here face to face with Zhu Zhanji.

At first, a scribe bowed to the end and said: "How can there be a seat for ordinary people in front of Your Highness, we can just stand."

Zhu Zhanji said with a smile: "This is not the court hall. Even if it is the court hall, seats are arranged for adults above the third rank. Respect comes from the heart, don't care about the form, sit down!"

Zhu Zhanji spoke out with a slight order, and everyone dared not disobey any more. They were divided into two rows on the left and right according to their status, and sat down tremblingly one by one.

Zhu Zhanji chatted with the leader for a few more words before he realized that this scribe named Yu Dayong had once served as the county magistrate of Baoji County, Fengxiang Prefecture, Shaanxi Province.

However, he was not good at being an official. After six years as a county magistrate, he had no hope of being promoted, and because the family business needed to be taken care of, he simply hung up his boots, resigned and returned to his hometown to inherit the family business.

He is well-informed and has people to help him in the officialdom, so his fortune is getting bigger and bigger.In the seventh year of Yongle, he simply contacted the local kiln owners and set up a porcelain industry guild, which monopolized at least [-]% of the local folk kiln prices.

Although folk kilns cannot compare with official kilns in terms of high-end porcelain, they can firmly occupy the mid-end market, and the sales volume is also incomparable with official kilns.

As for low-end porcelain, such as plates and bowls used by ordinary people, the Jingdezhen guild doesn't even bother to do such a business, that is, some small retail investors are doing it.

After learning about the market, Zhu Zhanji asked: "This time the internal eunuchs negotiated porcelain in Jingdezhen, and the business went smoothly. It is said that Chairman Yu proposed to increase the supply, which is rare."

Yu Dayong said with a smile: "Xiaomin doesn't believe in the internal supervisor, but in His Highness, that's why he contacted various families to increase production and supply porcelain."

Zhu Zhanji glanced at him and asked, "How do you say that?"

"His Royal Highness came up with a patent law the year before last to promote existing technologies and protect new technologies. In this way, each porcelain kiln dared to take out its own new technologies to register patents and then produce them. Xiaomin's ancestral legend has a The technology of inlaying enamel has never been dared to show it. After registering the patent last year, Xiaomin made a lot of money by firing it. But within two months, there were imitations. Xiaomin just tried to report it to the patent department. Who knew that in less than three days, the yamen servants would seal up the other party's porcelain kiln and compensate Xiaomin for the loss. Therefore, Xiaomin believes that His Highness wants to vigorously develop commerce, and it is definitely not for the purpose of adding money to merchants like Xiaomin."

After fighting and racking his brains all day long, Zhu Zhanji also wanted to rest his mind, so he asked about it with a smile.

Knowing that the policies I have formulated have also stimulated the development of various new technologies in Jingdezhen and the prosperity of business, I am very relieved.

When Yu Dayong took out a piece of inlaid enamel and gave it to Zhu Zhanji as a gift, Zhu Zhanji knew that the inlaid enamel turned out to be cloisonne.

Seeing this thing, Zhu Zhanji's heart moved.

The technology of cloisonné was originally introduced from the West. At that time, the Yuan Dynasty occupied most of the Eurasian continent and captured a large number of skilled Western craftsmen as labor slaves to produce luxury daily necessities for the Mongolian nobles.

At this time, gorgeous metal body enamel products were popular in the Arabian region.Under such circumstances, the Arab craftsmen who fired the large food kiln came to China with their firing technology and main raw materials.

Based on China's broad and profound artistic soil, these technologies were quickly absorbed and integrated, and became a bright pearl in the history of Chinese arts and crafts.

It is also for this reason that cloisonne, a work of art that conforms to the aesthetics of Westerners, is very expensive in the West.

"Is there a supply supervisor for the finished product now?"

"Because it is a new product, I don't know what the barbarians like, so there is no supply."

Zhu Zhanji instructed Sun Lin, who was sitting on the side, to say, "Let someone buy a batch, and the price doesn't need to be kept too low."

Zhu Zhanji knew the behavior of these internal eunuchs. They all got into the eyes of money, and they were familiar with the market.Therefore, purchasing in the private sector leaves very little profit for merchants, and sometimes they even buy and sell by force.

However, he has not yet become emperor, so he still doesn't care about this kind of behavior that is detrimental to business operations.

Sun Lin responded and asked people to write it down.Zhu Zhanji saw joy on Yu Dayong's face, presumably his purpose was to sell cloisonne to himself.

He is the president of the guild, and he has used his official duties to harm his own interests.

However, Zhu Zhanji didn't want to embezzle the money of the merchants, but just used their money to turn around, so there is no need for these people to worry.

But with this knot in his heart, he is not so interested in Yu Dayong. Even if he has been a Jinshi and a county magistrate, he is now just a profit-seeking businessman.

Zhu Zhanji was patient and told them about the operation of the internal prison. The purchase of materials this time was too big, so he half bought and half bought on credit, but at the latest in June next year, the remaining half of the purchase price will be divided into five Pay them through the bank once.

Then I told them about the role of the bank's gold and silver bills, deposit and loan business, and then I was relieved and asked to send them out.

In fact, he could feel that even though half of the payment had not been received by these people, they were willing to see him today if they didn't want the money.