Chapter 695: Run on the bank, the disturbance in the capital
"Dasun, have you thought about doing this?"
Zhu Yuanzhang gently put down Xiao Wen Cheng, and Jiang Wei immediately came over to take over.
Little Wen Cheng, who is about to turn three, logically should be closer to Dong Dong and the eunuch.
However, in fact, Xiao Wen Cheng preferred to play with guards like Jiang Wei.
Zhu Ying watched Xiao Wen Cheng and Jiang Yu walking away with smiles, nodded and said: "Grandpa, this is something I have always wanted to do before, and I also understand that this will indeed bring some turmoil to the Ming Dynasty."
"But now is the best time. If you miss it, I believe there will be no such opportunity again in the future."
In the past, when Da Sun proposed any policy, Zhu Yuanzhang would agree without hesitation.
But this time, Zhu Yuanzhang fell into deep thought.
After all, what Da Sun proposed this time affected the interests of too many people.
To say that there are too many people is to say that there are too few, and this involves almost the entire wealthy class.
Bank.
What Zhu Ying just said was to abolish all the money banks in the Ming Dynasty, put the money banks under the control of the court, cancel the private ones and replace them with government ones.
Qianzhuang first started during the Zhenguan reign of Li Shimin in the Tang Dynasty, and has developed very maturely now.
Especially with the rapid development of Ming Dynasty's economy, the demand for banks has also begun to become greater.
A bank is similar to a bank in later generations, a place where money is deposited and withdrawn.
But the classes involved by banks cover almost the entire wealthy class.
Nowadays, many families who have reaped the dividends of the Ming Dynasty have earned a lot of money. Naturally, they do not think about hiding the money in the basement, but more about how to make money make money.
Even when a large amount of money is needed for investment and trading, how can you get more money quickly?
In the Ming Dynasty, a large number of banks are blooming like bamboo shoots after a rain. Although the good and the bad are mixed, there are also many banks with great reputations.
Some time-honored banks even surpass the Royal Bank in terms of credibility and reputation, even if they have the endorsement of the imperial court.
Zhu Yuanzhang knew very well that if private banks could be abolished and all were run by the imperial court, the profits they would bring would be simply unimaginable.
But at the same time, when private banks are completely banned at this time, it will have a great impact on the Ming Dynasty's economy.
To put it a bit exaggerated, even the overall public sentiment will be shaken.
"Aren't you afraid that your reputation, which you have worked so hard to build, will be destroyed at this moment?" Zhu Yuanzhang asked.
What he said was not just something he said casually, it was something that was very likely to happen.
Every local bank almost represents a coalition of wealthy people in the local area.
This involves officials, families, big families, landlords and gentry.
These people can completely represent ordinary people and are the embodiment of people's hearts.
This incident seriously affected their interests.
The most important thing is that almost all banks cannot settle their accounts.
The money deposited by retail investors will basically be withdrawn by the major shareholders behind these banks through loans, and then they will do their own business.
If the imperial court prohibits the opening of private banks, then runs on these banks will inevitably occur.
No bank can withstand such a run, which will inevitably involve all aspects. The large number of people involved behind the bank may even lead to bankruptcy.
Under such circumstances, people's livelihood will inevitably be in turmoil, and many people will even hysterically resist this policy.
"My reputation actually doesn't matter, and I don't care that much."
"What really helps me consolidate imperial power is military power."
"I know very well how much resistance there is here, but there is really no better time than now. The longer it is delayed, the harder it will be to get this done."
"Private banks have absorbed too much money from the Ming Dynasty. Today, 10% of the Ming Dynasty's wealth, as much as 80%, is in the hands of others, not the court. This situation is not a good thing for the entire Ming Dynasty.
"
This is a huge hidden danger.
Today's Ming Dynasty is blooming with budding capital, and the rapidly rising economy has caused Ming Dynasty's money to rise crazily.
In the past two years, the imperial court's industrialization layout has continued to expand, and the status of businessmen has continued to rise.
If the current trend continues, there will inevitably be a group of businessmen who are extremely wealthy.
Zhu Ying did not want the future Ming Dynasty to be controlled by capital.
Then the only solution is to put capital in a cage.
Banks are currently the stumbling block.
The reason why such a decision was made was because of Guan Xianghai.
The dental shop in Hong Kong produced a large amount of gold and silver. Of course, the bulk of it was embezzled by the officials.
If we investigate further, most of this money flowed into Guan Xianghai's hands.
But the whereabouts of the money has never been traced.
Zhu Ying has already guessed that there must be a certain bank, or even invested in a certain bank.
Judging from the example of Guan Xianghai, it will become increasingly difficult for the court to track the money stolen from corrupt officials.
The Treasure Banknote Collection Department has printed more treasure banknotes in the past two years than the previous 26 years of the Ming Dynasty combined.
Of course, the national treasury has sufficient reserves. It dares to print in such a large amount because there is too much gold and silver, so the treasure banknotes must also keep up.
The current scale of the Baobao Banking Department has been expanded more than ten times compared to before, in order to keep up with the pace of printing.
There are so many benefits to being a bank official.
From a large perspective, it is equivalent to a substantial increase in income, and it will be almost impossible for the national treasury to be short of money in the future.
Better macro-control has enabled the economic development of the entire Ming Dynasty to have stronger and more precise control over taxation and trade.
From a small perspective, it protects the interests of the people, and with official endorsement, the Royal Bank will naturally not go bankrupt and run away.
Now in the market, there have been cases where retail investors are tempted to save money with high interest rates, and then run away with the money.
Start a bank scam in the north and then run away to the south.
Affected by the spread of information, it is difficult to say that the real murderer has been caught in today's world.
Even if caught, it will be difficult to recover the money.
Zhu Yuanzhang thought for a while and said: "What you said is indeed true. It seems that the affairs of the bank official business must be carried out."
"If we can't settle this matter while we are here, it will probably be even more impossible for these descendants in the future."
"We're counting on them, so we might as well finalize this matter."
"But we don't think we can move so quickly. We can spread the word first and go out to test it out to see how big the impact will be. At the same time, we can also prepare the people and let them deposit all their money in our royal bank first to avoid losses.
Too big."
"Let's not discuss this matter at the court meeting for the time being."
Zhu Yuanzhang obviously thought very clearly.
Throughout the dynasties, the period when centralization of power was most powerful was generally during the founding of the People's Republic of China.
The monarchs who came after them were on the decline in most cases.
Naturally, there will be a few good ones in the middle, but for many things, don’t put your hopes above your children.
If there are any hard bones to chew, just chew them off yourself first.
Especially in today's Ming Dynasty, Zhu Yuanzhang feels that there is almost nothing that cannot be accomplished when the grandfather and grandson work together.
Zhu Ying said: "This news cannot be published in the Di newspaper. If it is published in the Di newspaper, it will be equivalent to a decision. It will also cause great panic."
"I'll first spread the news to various chambers of commerce, including the Department of Public Security, and see how the response is."
Zhu Yuanzhang nodded and said, "Then just observe."
As the capital was the power and political center of the Ming Dynasty, any news would spread quickly.
Not only are all the envoys from other small countries gathered here, but also slightly larger chambers of commerce have their base in the capital.
The purpose is to better understand the news of the imperial court.
Only by mastering the latest policy directions can you earn more money.
The news that the court was preparing a bank official camp soon spread in the capital.
"This is impossible. If this is really the case, it will cause a big mess. The court should not do this."
"Is there anything impossible? The news came from the Ping An Tea House. I heard that many of the policemen of the Public Security Department are now withdrawing money from other banks, and then turning around and depositing it in the Royal Bank."
"In that case, we have to find a way to withdraw the money quickly, otherwise it will be difficult to withdraw the money when the court promulgates this regulation."
The peaceful capital suddenly became turbulent.
Regarding the so-called gossip, the government has no intention of stopping it, especially in the Department of Public Security, where many people quickly withdraw money from other banks, as if they have received some gossip.
Because the population of Nanjing has soared rapidly, in order to better maintain public security in the capital, a large number of security offices have been set up in Nanjing.
Almost every two or three streets, there will be a security station.
For ordinary people living in the capital, the yamen they have the most frequent contact with is naturally the Department of Public Security.
Some trivial matters, such as neighborhood disputes, petty theft, etc., are basically handled by the Public Security Department.
Of course, the people are most concerned about their movements.
"Master Li, please tell us whether this matter is true or not. We are all making a living in this community, and we can't see ourselves when we look up. For such a big thing, this is about everyone's hard-earned money."
"If there is really something wrong, you can't hide it from everyone."
In the police station in Jingshifang, a dozen or so men and women rushed over and asked the officers on duty.
"Yes, yes, we are all ordinary people. We work hard every day to earn so much money. Seeing that our son is looking for a wife, if something happens, it will really be all over."
"Oh, my coffins are all buried inside. Mr. Li, you can't do this to us neighbors."
"That's right, Mr. Li, just tell us old guys, and reveal some news."
There were a dozen or so people chatting away, and Li San felt like his head was getting bigger.
Don't mistake a servant for being an official.
For the common people at the bottom, the servants are paid by the government, and it is absolutely correct to call them "Master".
Even Li San is still under thirty.
"This is something to be said without hesitation. The imperial court has not issued a notice yet, so no one can say it accurately." Li San quickly explained.
Grandpa and aunt are not willing to do so.
"You said you didn't know, then why did you take the money out of other banks and deposit it into the Royal Bank?"
"Yes, of course we can trust Royal Bank, but the interest rates of other banks are much higher than Royal Bank. Why don't you want the money you have?"
Li San was a little helpless: "Not to mention our station, even other police stations did not force us to withdraw all the money. It is just the intention of our superiors. It is considered a bank to support the imperial court."
"The brothers in our office all followed Shangfeng's wishes, so we took out all the money."
"Actually, some words are not a big concern. The interest rate of the Royal Bank is not high, so there are not many deposits. The court seems to have discussed this matter, so anyone who receives official salary may have to deposit it into
In the Royal Bank."
"Of course, this is not the rule of the imperial court."
After hearing Li San's explanation, more than a dozen uncles and aunties left in doubt.
After all, gathering at the police station didn't seem like a big deal, so everyone saw each other often, and those who came were mostly older people.
If you are young and strong, it may not be so simple.
The news gradually spread, and many people understood the reason, and their suspicions were relieved.
However, some people still went to other banks to withdraw money, and then deposited it into the Royal Bank.
This part has already put a lot of pressure on a large number of banks.
Sihai Bank.
This is a bank under the name of the Sihai Chamber of Commerce. Basically, all the money of the members of the Sihai Chamber of Commerce is deposited into the Sihai Bank.
And this is considered a time-honored brand.
In many areas, it is even more famous than Royal Bank.
The Four Seas Chamber of Commerce is engaged in maritime business. For example, Li Jinglong was previously ordered to command the Ming Dynasty's ocean fleet and traveled around the world. Among the several large chambers of commerce that followed him, there was a member of the Four Seas Chamber of Commerce.
Naturally, they also had a presence in the capital and opened the Sihai Bank.
There was already a long queue at the entrance of Sihai Bank, with hundreds of people waiting to withdraw money.
"Shopkeeper, there are more and more people withdrawing money today. In less than two days, more than half of the banknotes in our bank have been taken away. If this continues, there may be no money left in the banker tomorrow or the next day.
Money."
The manager of the bank stood on the third floor, looking at the crowded crowd below, and said worriedly to the shopkeeper next to him.
The shopkeeper's brows furrowed, and he replied after hearing this: "Go ahead and immediately gather enough treasure banknotes from the Chamber of Commerce to deal with the people withdrawing money."
The boss worriedly said: "There are not many treasures in the chamber of commerce. Now tens of millions of treasures are being taken out every day. Even if we gather them all, we don't know how many days we can support them. How about we close our doors first?"
How many days will it take to hear the news?"
The shopkeeper shook his head and said: "No, this is related to the reputation of the bank and even the chamber of commerce. It is far from reaching the end of the road and must be maintained."
"In the past few days, news should have come out from the court. I believe this storm will pass."