My Daming New Empire

In the original history, the Governor of Water Transport was regarded as an important official position.But in this life, Zhu Zhanji vigorously developed sea transportation. Although the canal was dredged, water transportation was not prosperous because there was no need to transport grain to the north.

In the 14th year of Yongle, Zhu Zhanji thought of him and transferred him from the governor of Water Transport to the capital to serve as the governor of Daming Bank.

At that time, the Daming Bank was first established, and this position was not at all eye-catching. At that time, Chen Xuan thought it was a sign of relegation, and he had the idea of ​​resigning.

He took over the post of governor of Daming Bank in frustration. In his opinion, Daming Bank doesn't care about its operations. Although it manages the Development Bank of the Ministry of Household Affairs and the Royal Commercial Bank, those two don't have to listen to him and have no real power.

However, although Daming Bank does not care about operations, it only cares about the transfer of gold and silver coins, and the twenty vaults established across the country, but it manages the money of the whole world!

The better the bank develops and the bigger it develops, the more power it has in its hands.

In the 18th year of Yongle, Zhu Zhanji returned from overseas and began to check old bank accounts and prohibit the private transfer of gold and silver.

Since then, cards have been set up all over the world to collect gold and silver, and Jin Yiwei, Internal Supervisor, and Counseling Department have been dispatched at the same time to investigate the transactions in various places.

That is to say, for transactions of more than one hundred silver coins, a bank stub of gold and silver bills must be provided.If you want to do business, yes, you can only do it through bank transactions, with the bank's gold and silver notes as evidence.

No one can carry more than one thousand silver coins out in cash.All business in the world belongs to the bank to be responsible for the circulation of gold and silver, and no one can evade taxes.

The common people applauded this move, because it is impossible for them to have so much gold and silver in their hands.

It doesn't have much impact on those landlords, anyway, most of their gold and silver are buried in the ground.

Although it has a great impact on businessmen, if they want to do business with the internal supervisor and participate in overseas trade, they can only be obedient.

Officials complained because of the increased work at the beginning, but the imperial treasury was quickly enriched by commercial taxes, and their opposition gradually subsided.

Moreover, all the gold and silver were deposited in the bank, and the wealth of the bank became more and more amazing.Whatever the imperial court does, it can mobilize money through the Development Bank of the Ministry of Household Affairs. Not only is it not afraid of running out of money, but it also saves a lot of trouble.

The role of banks has made more and more people realize the power of banks, and countless businessmen have gradually learned to borrow from banks to pay for goods, and the annual interest rate of 12.00% is several times lower than that of private loans.

By this time, everyone envied Chen Xuan, and many even called him the God of Wealth.

Although Jian Yi has the highest official position, when he did something wrong, other officials dared to point his nose and scold him more than once.Some noble people are even proud of it.

And what about Chen Xuan?Almost no one dared to offend him.Whether it is a businessman or a local official, they must humble themselves in front of him.

In some respects, he scares those officials even more than Shangshu Xia Yuanji.

Now that the imperial court is implementing a budget plan for financial expenditure, although Xia Yuanji is in charge of the distribution of property, he does not dare to be stuck with it.

But the bank operates independently, and no minister can control the Daming Bank. Chen Xuan has the final say on the transfer of gold and silver through the bank, and everyone can only curry favor with him.

Of course, he has also suffered the most impeachments over the years, and it was just an individual who wanted to get him out of office.

Because he is a general, not a civil servant.

Chen Xuan was originally the governor of water transportation, but now the governor of the bank is in charge of the transfer of gold and silver in the inland rivers of the world, the post station, the independent office of the transfer department, and a special escort team.

With the expansion of the bank, the number of outlets, and more and more gold and silver transshipment work, the team is getting bigger and bigger.

According to statistics before the 20th Spring Festival of Yongle, the bank has more than 600 officials and more than [-] employees, and the escort team directly under it has more than [-] riverboats and more than [-] people.

Now in the whole of Ming Dynasty, the bank has the most employees, directly supervises the largest number of escort teams, and its power far exceeds that of any official or general.

Therefore, the civil servants wanted to get Chen Xuan down, and even the generals and nobles watched with cold eyes, because they were all jealous of him.

Mu Xin, the former vice-governor of the bank, was very happy when he followed Zhu Di on the expedition. Because of his military achievements, he, the son-in-law captain, is now awarded a marquis, which can be passed on to future generations.

After returning to Daming, he was quite proud, but the reality made him dumbfounded.

He never imagined that the bank has now developed into the second largest yamen in the world after the internal supervisor.Chen Xuan, Uncle Pingjiang, became one of the most powerful people in the world, and even wanted to get rid of this one.

Recently, he didn't care about enjoying himself, and devoted himself to understanding the operation of the bank, wanting to share some power from the crowd.

His marquis, consort captain is just a false name, few people will care about him, but the position of vice-governor of the bank is everyone's fawning!

Chen Xuan didn't dare to set up any obstacles, because Mu Xin was originally responsible for the land transfer of gold and silver, and was also responsible for national inspections and audits.

Moreover, he has no conflict of interest with himself. If he wants to fight with himself, he should first get the power back from Guangenbo Liucai, who took over his task.

Liu Cai is an honest person, because of his stuttering, he seems reticent and has no deep communication with anyone.He is the kind of single-minded person who fought bravely and was awarded the title of Guang Enbo.

Because of his stupid mouth, he was blamed by Zhu Di during the first Northern Expedition, and his title was cut off.

But later, Zhu Di felt sorry for himself, and awarded him the title again, but he never reused it.

After Mu Xin went to war, for some unknown reason, Taisun found him out and was in charge of bank audit and land transportation of gold and silver.

However, Chen Xuan later understood that what Taisun valued was that Liu Cai would not form a party for selfish purposes, so he would not dare to corrupt.

From then on, Chen Xuan understood what he should do.

Not only can he not be greedy, but he also has to be a lonely minister.Only in this way can he sit securely in this position. As long as His Highness Taisun values ​​him, no one can impeach him.

He didn't have many allies in the DPRK, only Li Bin, Marquis of Fengcheng, had an irresistible relationship with him.

The two of them fought the enemy together, went through life and death, governed the sea and the territory together, and later formed an inseparable close relationship with their children and relatives.

But except for Li Bin, he was gradually alienated from other comrades, and developed in the direction of a lonely minister.

Zhu Zhanji also saw this, so when he came back to Daming, although the development of the bank was not satisfactory, he never thought about changing Chen Xuan, the governor of the bank.

If you want to sit in this position, you must be a lonely minister.

Moreover, Chen Xuan has outstanding abilities. Although he has no constructive management skills, he can complete the work assigned to him without compromise.

After that, no matter how many people impeached Chen Xuan, Zhu Zhanji would stay in the middle, and other people gradually knew Zhu Zhanji's attitude of wanting to protect Chen Xuan.

Although Chen Xuan has great power, he is now a lone minister.Moreover, many of the escort troops under him were originally postmen, and they had never been on the battlefield after training.

They all acted according to orders, and it was impossible to have a deep relationship with Chen Xuan, the high-ranking governor of the bank. It was impossible to expect these people to rebel against him.

No matter how many people impeach him, as long as he is not greedy or selfish, Zhu Zhanji will protect him for life.

Due to various reasons, Chen Xuan has now become the most special official of Ming Dynasty. Except for the direct management of Zhu Zhanji, no one can restrain him.

In terms of power, his jurisdiction is larger than anyone else, and he manages more people than anyone else.

In the entire Ming Dynasty, there were more internal supervisors than the three banks, but the internal supervisory system was a huge system, and there were 24 chief eunuchs alone, unlike Chen Xuan who held the power alone.

He also knew that he was the envy of most officials. In the past two or three years, he has become more and more low-key.

But he is very clear that although he can be a lonely minister, the Chen family cannot be implicated because of this.

If you want to protect the Chen family, you need to find a way out for your family in addition to correcting your own nature.

Having been in contact with Zhu Zhanji for several years, he knows exactly what kind of person Zhu Zhanji is.This grandson is wise and powerful, with an open mind, as long as it doesn't touch his bottom line, he can openly and honestly talk about everything, don't hide it, and he will be more tolerant.