"Ah? Industrial and Commercial Bank? Big shopkeeper?"
Zheng Zunqian was stunned when he heard this. He was really unprepared for this.
Didn't they ask us to work as errands in the Ministry of Internal Affairs? Why do we suddenly want to be the boss?
Chongzhen said again: "Zheng Zunqian, Shiziying discusses every day that there is no stability without farming, no wealth without work, and no life without business. I don't need to explain the truth. You all know it."
"And this industrial and commercial bank is specifically designed to support industrial development."
"The brewery like your Zheng family's is on the list of supports."
After saying this, Chongzhen once again explained to Zheng Zunqian the operating principles of the Industrial and Commercial Bank.
Zheng Zunqian is worthy of being a son of a merchant family. He understood the essence of it just after listening to it once, and immediately said: "Your Majesty, the student is willing to be the boss of this industrial and commercial bank."
"Okay." Chongzhen said happily, "You go to Ma Mingluan and ask for twenty scholars, select a location as soon as possible, and then hang up the Industrial and Commercial Bank sign. Once the 50 million taels of equity are in place, you guys will
You must take action for me immediately."
After a pause, Chongzhen said to the merchants present: "There is also the establishment of the Chamber of Commerce, which must be established as soon as possible."
After hearing this, everyone, including Kang Wanwan, stood up in unison: "The common people are waiting to receive the order."
Chongzhen said to Kang Wanwan again: "Uncle, it's almost time for dinner. If you can help me, please entertain the gentlemen on my behalf. I'm busy with state affairs, so I won't attend this time."
In fact, I just don’t want to give money.
"I accept the decree." How could Kang Wanwan dare to refuse?
After seeing off the merchants and Zheng Zunqian, Chongzhen asked Zhu Cihong and Kang Xi: "Where is the account book of the Royal Bank?"
Kang Xi quickly asked the bank clerk waiting outside to bring in the account books. Although the bank had only been established for half a year, it had already accumulated two large boxes of account books.
However, Chongzhen would not look at the detailed ledgers, he only looked at the general ledger.
Judging from the accounts, the largest depositor of Royal Bank is still the Ministry of Internal Affairs, with a total deposit of more than 40 million taels.
The amount of silver in the account of the Ministry of Internal Affairs once reached more than 70 million taels, but a lot of money was spent before the Xuzhou War, and nearly 10 million taels were spent on repurchasing the first issue of bonds.
So now, there are only more than 40 million taels left in the account of the Ministry of Internal Affairs.
In addition, the second largest saver is the Kang family, who has deposited three million taels in the Royal Bank account.
None of the depositors below exceed one million taels, but there are quite a few depositors between one million taels and five hundred thousand taels, adding up to dozens of depositors.
The number of depositors with less than 500,000 taels is even greater.
As of now, the total balance of Royal Bank is 130 million taels.
If the reserve ratio is 30%, it means that 90 million taels of silver can be used for various expenses. Therefore, what Ming Dynasty lacks now is not capital, but a plan for industrial development!
There is nothing much to say about this. Ming Dynasty must be a one-size-fits-all industry.
Looking at the accounts again, the largest amount was two hundred thousand taels, which was a loan from a silk merchant, using the silk and satin shop as an offset.
Then there are the loans of tens of thousands of taels or even thousands of taels. The scale of the loans can only be described in two words, bleak.
Therefore, before the Ming Dynasty's industrial and commercial industry developed, the Ming Dynasty Royal Bank would definitely lose money, or the Ming Dynasty would engage in overseas colonization like the West, lending money to adventurous merchants, and then these adventurous merchants would earn huge sums from overseas colonies.
The profits are then returned to repay the principal.
Unfortunately, these two profitable businesses were not available in Ming Dynasty.
Therefore, the Ming Dynasty Royal Bank has almost no profit and has been losing money.
Kang Xi took the opportunity to complain to Chongzhen: "Father, why don't you stop making interest?"
Chongzhen asked noncommittally: "What is the interest rate you charge for depositing money for different periods now?"
Kang Xi said: "The principal and interest will be returned sixteen times in ten years, the principal and interest in five years will be twelve returns, the two-year period will be one hundred and six profits, and the one-year period will be one hundred and two profits. In this way, it still cannot stop the Jin gentry and merchants from going to the Royal Bank.
No. Deposit money."
After a pause, Kang Xi added: "My daughter-in-law wants to reduce the interest rate some time later."
"There is no need to reduce interest rates." Chongzhen said in his heart that the annual interest rate is 2%, which is not as high as that of later generations of funds.
After a pause, Chongzhen said again: "You don't have to worry about the bank losing money. It is absolutely impossible to lose money. When the Industrial and Commercial Bank is established and starts operations, the Royal Bank will have a large amount of income."
The Industrial and Commercial Bank is just the beginning. Later there will be shipping and shipbuilding banks, road engineering banks and even overseas development banks. There is no doubt that the Ming Royal Bank will become the largest shareholder of these banks.
Therefore, the main business of Daming Royal Bank is not small loan business at all.
Chongzhen had already said this, so Kang Xi could only say obediently and say no more.
"Okay, you go back, I won't let you have dinner." Chongzhen quickly read the general ledger and sent Zhu Cihong and his wife back to Kang Mansion.
It is said to be the Kang Mansion, but in fact Kang Wanwan has already given this villa to his daughter.
This is also the dowry Kang Wanwan gave to his daughter, worth at least half a million.
…
At the same time, Shi Kefa, Jie Xuelong and Lu Zhenfei came to Gao Hongtu's cell again.
"Gao Hongtu!" Shi Kefa said with a dark face, "I have already told you what should be said and what should not be said. Now I ask you one last time, will you write this confession or not?"
"Don't write it." Gao Hongtu said coldly, "I will never write such a confession."
Jie Xuelong next to him became impatient and said angrily: "Shou Kui, why are you talking nonsense with him? Let's just do as promised."
Gao Hongtu's heart suddenly tightened after hearing this. What do you mean by this? What do you want to do? Find someone to impersonate me and write a confession in my handwriting.
Shi Kefa turned around and said, "Ten Woodcutter, I'll help you."
"Ten Qiao?" Gao Hongtu looked anxiously and saw Wang Duoshi, the former Minister of Rites, who had become an official, walking in.
Jie Xuelong then said loudly: "Gao Hongtu was unable to write because he was shackled, so he asked Wang Shiqiao, a famous calligrapher and former minister of the Ministry of Rites, to write the confession on his behalf."
Gao Hongtu heard this and said angrily: "Jie Xuelong, do you really dare?"
This chapter is not finished yet, please click on the next page to continue reading the exciting content! Jie Xuelong ignored it at all, and Gu Zi said: "Gao Hongtu, the second-in-command of the former cabinet of the Ming Dynasty, asked for forgiveness."
"Jie Xuelong, you are shameless! Wang Duo, stop, who allows you to write on my behalf?" Gao Hongtu was furious and wanted to rush forward to stop Wang Duo, but was stopped by Lu Zhenfei and Jie Xuelong.
Shi Kefa went on to say: "The guilty minister Gao Hongtu would like to report: The guilty minister is from Jiaozhou, Shandong. He was a Jinshi in the 38th year of Wanli. He was first awarded the censorship. At the beginning of the Apocalypse, he patrolled Shaanxi..."
"... Therefore, I know that my sin is very serious and I deeply regret it..."
"... Your Majesty, please do not blame the world's literati for the fault of a single guilty minister. We, the Ming Dynasty's literati, are indeed many talented people, and we can use them to become the pillars of the country... In this way, even if the guilty minister dies, he will have no regrets."
"The guilty minister, Gao Hongtu, bows his head and pays homage. It is the twenty-first day of August in the eighteenth year of Chongzhen."
Wang Duo's pen was quick and he finished it quickly. He dried the ink and handed it to Shi Kefa.
Shi Kefa took the apology letter and said: "Gao Hongtu's apology letter has been written, let's go."
After saying that, Shi Kefa turned around and walked out. Only then did Jie Xuelong and Lu Zhenfei let go of Gao Hongtu.
Gao Hongtu was so angry that he jumped up and cursed behind the four people, but he could not change the outcome. Whether he personally wrote the confession was no longer that important.
…
That night, Shi Kefa personally sent the confessions of Gao Hongtu, Jiang Yueguang and others to the Imperial College.
Chongzhen flipped through it roughly, put down the apology notes and said: "Send these apology notes to the National History Museum for archiving, so that future generations can refer to them when compiling the history of the Ming Dynasty."
"I accept the decree." Shi Kefa bowed his head and asked, "Your Majesty, the regicide case and the frame-up case..."
"Then let's stop here." Chongzhen said solemnly, "Find a time to behead all the criminals in public. In addition to confiscation of all their property, the families of these criminals will not be held accountable. I said that the crime is not worthy of the family, so I will
I must keep my word, and I can't do this kind of thing. Mr. Shige, just follow this regulation and do it as soon as possible."
"I accept the imperial edict." Shi Kefa received the imperial edict, turned around and left the Imperial College.
Before leaving the house, Shi Kefa looked back at the Imperial Academy, which was hidden in darkness.
In my heart, I thought that the Holy One was so kind and kind that even the regicide case could not be punished as much as the family members.
…
Two days later, more than 20 prisoners or clerks, including Gao Hongtu, Jiang Yueguang, Zhang Youyu, Zuo Guangxian, Yuan Pengnian, Liu Zhengzong, and Li Jinglian, were taken to Caishikou in prison cars by Yingtianfu officials.
Along the way, the citizens of Nanjing had been waiting early.
Seeing more than 20 prison vans passing by, the citizens began to throw out the filth they had prepared in advance.
Gao Hongtu and other leading criminals looked dull, indifferent to the angry Nanjing citizens, while the more than 20 officials and officials behind them looked downcast and annoyed.
More than twenty death row prisoners were quickly taken to Caishikou.
Those responsible for supervising the execution were Lu Zhenfei, a bachelor of Dongge University and Minister of Punishment, Zhang Shenyan, the right governor of the Metropolitan Procuratorate, and Jin Xuan, the governor of Yingtian. Jin Xuan and Zhang Shenyan verified the identity of the prisoner one by one, and it was conclusive.
When the time came, Lu Zhenfei personally executed the prisoner and issued a beheading order.
More than twenty executioners raised their swords at the same time, and immediately the sword fell, and more than twenty human skulls fell to the ground.
The surrounding Nanjing citizens cheered loudly, and many even applauded enthusiastically.
There were also a few old women who rushed into the execution site desperately, took out the white flour steamed buns prepared in advance and dipped them in human blood, and then ran home as if they had found a treasure.
With more than 20 people including Gao Hongtu being beheaded in public, the Yangzhou regicide case and frame-up case also came to an end.
Officials from the Donglin Party such as Lu Daqi and Qian Qianyi also returned to the court one after another after publishing their statements in the Huangming Times. The government, which had been in chaos for almost half a month, finally returned to normal operations.
At the same time, another bank opened on Chaoku Street.
Just to the right of the Ming Royal Bank, there is another Daming Industrial and Commercial Bank.
Now there are three banks and two exchanges on Chaoku Street. From left to right, they are the Royal Exchange, the Hubu Exchange, the Ming Hubu Bank, the Ming Royal Bank, and the Ming Dynasty