This time it was the emperor's turn to be confused again.
"There was an official bank account in Jingli twelve years ago. Have you never used an official bank account?"
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At this time, banks and banks were quite common in the Dahua Dynasty.
Since the Tang Dynasty, gold and silver shops and cabinet shops have appeared on the market, specializing in coin exchange, valuables storage and lending.
In the Yuan Dynasty and the early Ming Dynasty, due to the government's promotion of banknotes, there was a situation where three currencies, silver, copper coins, and banknotes, existed in parallel among the people.
During the Zhengtong reign of Emperor Yingzong of the Ming Dynasty, the officially issued "Ming Dynasty treasure banknotes" depreciated seriously, so they had no choice but to relax the ban on the use of silver, and silver coins were officially circulated publicly.
During the Jiajing period of the Ming Dynasty, the founding furnaces were opened up, and there were many types of coins. For coin making alone, there were dozens of styles such as gold backs and spiral edges.
With the continuous development of the economy, copper coins come in different qualities and weights. The price differences between coinage, private money and silver are greatly different and fluctuate a lot, and the purchasing power is also very different. Problems have been exposed, and banks specializing in the exchange of copper coins have emerged. In the eighth year of Jiajing's reign, seeing the illegal smuggling of copper coins by banks across the country intensifying, the imperial court directly ordered a ban on the sale of copper coins.
Cutting off a person's financial path is like killing one's parents. Such behavior cuts off the financial path of a bank, so each bank "makes private contracts with each other and closes the money market, causing prices to skyrocket."
As a last resort, in the fifth year of Wanli in the Ming Dynasty, the imperial court legalized money shops and officially allowed them to buy money from the government to facilitate transactions.
This DPRK does not suppress banks and banks.
As for the official bank account, it was twelve years ago that Emperor He of the Yuan Dynasty set up the official bank account and issued banknotes "Yuan" in order to eliminate banditry in various places. The military expenditure was huge and the treasury was empty.
"He Chao Guan", for four consecutive years, issued 128,000 banknotes every year.
However, not only were counterfeit banknotes prevalent, but they were also difficult to exchange. Except for the official banknotes, banks did not recognize any other banknotes. Later, they depreciated seriously and gradually disappeared.
The only difference between today's official banks and ordinary banks is that they are established by the government, but the business they operate is no different from ordinary banks.
If there is any advantage to the official bank note, it is that the official bank note is printed more like that.
The official name of the official bank note should be "Hubu Bank Note". It is printed on rare Goryeo moss paper, surrounded by dragon patterns, and the face value is marked in the middle, such as "Two taels of plain color and one hundred taels of silver", and on the right
The banknote serial number, with the date of printing on the left side. Printed on the lower part is: "The Ministry of Household Affairs issued an official ticket. Anyone who is willing to exchange the official ticket for silver and the same amount of silver is allowed to hand it over to the official in accordance with the regulations of the ministry. Forgery will not be punished according to the law."
Loan."
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It was precisely after seeing that Guanyinhao had been doing nothing that Jia Lian spotted this opportunity.
What kind of business does not require a lot of financial support?
Is there anything more difficult to gather financial resources than a bank?
Is there anything more profitable than working in the financial industry?
What could be more satisfying than being able to control the economic lifeline of a country?
Therefore, Jia Lian wants to join the household department.
But at this time, he must not reveal his true thoughts, so Jia Lian must start by controlling the official bank account and infiltrate step by step.
Then the helplessness on Jia Lian's face became even heavier:
"There is an official bank in Beijing, so I want to open one now.
To be honest, the emperor said that when my second uncle became the head of the family, my humble wife helped my second aunt in housekeeping. Unfortunately, as the number of people in the family grew, the burden became heavier and the income became less and less. p>
The family cannot make ends meet, the hole is getting bigger and bigger, and the capital is almost exhausted. However, the family still insists on luxury and respectability, and no one will agree to save money.
The bitch has a very strong temper, and she is afraid that her family will say that she is in charge of running the house, and the Jia family has reached this stage, so they can only "fold their arms in their sleeves". There is no way, the bitch has to take out the money every time
Lending money to support the family.
Although we strictly abide by the "Dahua Law" that "any private loan or property pawned, the monthly profit shall not exceed three thirds. Although there are many years and months, it is only one profit for each dollar", but in the eyes of outsiders, there is no need to speculate.
Exploiting the people and making profits against the law really makes the ministers anxious and unable to sleep at night, fearing that they will break the law and lose the face of their ancestors."
At this time, Jia Lian took the opportunity to expose Wang Xifeng's loan sharking in order to avoid future troubles.
In order to prevent the Jia family from being accused of "exploiting the people for excessive profits" if the house is really searched.
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The emperor looked at Jia Lian with great kindness, but in fact his mind was going back and forth several times.
There had been a secret report from the Chaofeng Department before, saying that Jia's slaves were out making private loans, and they were only lending money to businessmen who were short of money for business and poor officials in the capital who couldn't wait for a while, using house deeds and land deeds as collateral.
The monthly interest is strictly three cents, but every time it is a short-term account, the principal and interest must be recovered together every month.
The emperor immediately ordered people to continue to conduct strict investigations. Once there is extortion, illegal profit taking, or forcing people to die or destroying their families, criminal evidence will be obtained immediately.
As a result, at this moment, Jia Lian cried and complained, and actually admitted the matter of releasing the account, leaving the emperor speechless.
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Jia Lian seemed to be extremely helpless, reaching out and patting his forehead:
"This time, the minister's family originally planned to spend all their money to build the Provincial Courtyard, with the intention of showing loyalty to His Majesty, but... now the work has been stopped midway. It is due to the incompetence of the Jia family, and it will inevitably hurt the Tian family's face. p>
I am desperate now. I want to do some profitable business. To open an ordinary bank, you need to have strong capital. The Chen family is just empty now. Only by relying on the word "official" in the official bank account can it be possible to attract some people to save money. First of all,
Build the provincial residence.
When the rent is paid at the farm next year, we can finally deal with it."
He spoke so sincerely that the emperor frowned and sighed:
"I really didn't expect that your family would have reached this point, alas——"
Jia Lian also sighed repeatedly, looking like he had been tortured by "poverty" and had completely lost his temper.
The emperor could only say:
"Forget it, I'll just allow you to open an official bank account.
At least it solves an urgent need. Your ancestors were all heroes of Dahua. I can’t let the world say that I have treated the heroes badly."
Jia Lian hurriedly kowtowed and thanked him, tears streaming down his face again:
"Thank you, Your Majesty. Your Majesty is the benefactor of the Jia family. It will be easier if you have money, otherwise I will not know how to manage this family."
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Jia Lian's gratitude made the emperor feel very comfortable.
The emperor was very happy to find out that Jia Lian valued money.
As an emperor, he is not afraid of his subordinates’ shortcomings, selfish desires, or greed for money. Such people are more useful and controllable.
The most terrifying thing is the kind of loyal minister who wants nothing and has no shortcomings. If the emperor has no reward, he simply doesn’t know what to do with him.
You see, the young man in front of you is the most capable fourth generation of the Jia family. He worries about money all day long and never thinks about military power. How wonderful and reassuring.
It seems that the calmness and calmness of his move have the same demeanor as his grandfather, Emperor Taizong.
Thinking of this, the emperor almost wanted to look up to the sky and laugh.
But the emperor only relaxed his eyebrows, and was about to say a few more words of comfort and encouragement when he heard Jia Lian say:
"Your Majesty, what Cai Chen said about Prince Zhongshun has a great impact."