Zhu Di is not surprised that Zhu Yunwen will bring down the Royal Bank, and in Zhu Di's view, the bank is a bit like a canary, and the miners will carry a canary before going down the mine. Since the canary is very sensitive to poisonous gases, if the canary dies, the person must withdraw.

Banks have the same point.

If it is used well, it will enrich the country and benefit the people. If you can't control your greed and withdraw it at will, it will inevitably cause a crisis or even bankruptcy of the bank. Be the first to fall.

Zhu Yuanzhang knew this for a long time, he handed over all the internal deposits to the Royal Bank, and issued a strict decree to restrain future generations and not to destroy the operation of the bank.

He left the respected Ru Taisu in the Royal Bank to prevent outsiders from interfering, and later replaced him with Xia Yuanji, who also felt that he was serious and reliable enough.

It's just that no matter how good the rules set by Lao Zhu, with the outbreak of the Jing disaster, Zhu Yunwen wants to support the grain and grass of the million-strong army, and it is almost a foregone conclusion that he will move to the Royal Bank.

And after Xu Zengshou detonated the contradiction, the situation in the southeast was out of control.

Having come to this day, it can be said that it is self-inflicted, and no one is to blame.

"Liu Chun, my nephew can't do a good job with the bank, do you think this king can do it?"

Liu Chun pondered for a moment and asked rhetorically, "The prince is so unconfident?" ”

Zhu Di snorted: "If you want to run a bank, you must have the principal, I don't have any money left now, and I have taken over the signboard, should I care about the original banknotes?" If we carry the burden left by the south, will our bank still be able to do it? Zhu Di was very worried: "I'm afraid that painting a tiger will not become an anti-dog!" ”

At present, Beiping's family background is really a little thin, and Zhu Di's worries are not unreasonable, but how can he let go of a once-in-a-lifetime opportunity!

Liu Chun firmly believes that there are always more solutions than difficulties.

"Lord Wang, the minister asks a question, if the prince is a rich businessman and has a sum of money in his hand, where will it be stored?"

Zhu Di wrinkled his brows and said: "If I have money, I will naturally exist in Beiping, but I can't control other businessmen!" Jiangnan is rich and has abundant products, and most of them will exist in Yingtian. ”

After hearing this, Liu Chun was noncommittal, but turned to Xu, "Princess, is this question still this question, what is the princess's opinion?" ”

Xu pursed his lips and thought about it again and again, "Lord Wang, if you can choose, the concubine thinks that the merchant will keep the money in Beiping, the reason is very simple, the Jingnan army has a strong momentum and strong combat power." Put it in Beiping, safe! ”

Liu Chun stroked his palms and laughed, "Princess Gaojian! For wealthy people, ensuring the safety of assets comes first, followed by asset appreciation. Now that large-scale construction is taking place in Beiping, this is actually a very good opportunity. Deposit money to Peking and make an investment, you can definitely get a good return. ”

Zhu Di still frowned, "Liu Chun, even if what you said is right, the merchants of the world will deposit money in Beiping?" I still don't believe it! After all, their net worth and lives are under the rule of Zhu Yunwen, in case they come to deposit, do business, and are raided and destroyed, wouldn't they be a bamboo basket for nothing. ”

"Then find a net worth whose life is not under Zhu Yunwen's rule!" Liu Chun smiled and said, "Lord Wang, why have you forgotten those overseas businessmen!" The Royal Bank had a monopoly on official foreign trade, but now that smuggling is rife in the southeast, the Royal Bank has been sold again! We have sailors who are rampant in the southeast, and we control the maritime trade, so we don't take the opportunity to bring in overseas merchants, let alone when! ”

"Lord Wang, you must know that when I was designing the rules of maritime trade, I forced overseas merchants to deposit money with the Royal Bank...... Now that the Royal Bank has been resold and can take on other people's debts, I don't think anyone will take care of these debts of overseas barbarians! ”

"Lord Wang, we just took the opportunity to bring overseas businessmen over! They have the capital to buy goods better, no, we offer loans! With one condition, our fleet will follow them overseas, to their kingdoms, to communicate with their kings, and if all goes well, we will establish a trading base overseas! ”

"This is something that the first emperor didn't do in Japan, lord, what are you hesitating about!"

mentioned Lao Zhu again, and Zhu Di's body was vibrating!

"Don't fool me!" It is rare that Zhu Di still maintains a trace of clarity, "Let me ask you, how to solve the matter of the reserves?" ”

"Use Beiping's fiscal and tax revenues as collateral! In addition, we set up a port trading company, a canal company, and a Beiping construction company...... We use the shares of these companies as collateral to raise capital from the merchants publicly, and besides, I suggest that the prince talk to some of your brothers, and let them contribute some money and join the shares. I don't believe it, this royal bank can't be run! ”

Liu Chun is indeed a belly of ideas, when it comes to playing the capital game, his methods are centuries ahead.

Confucianism throughout the ages opposed large-scale construction and regarded large-scale construction projects as a factor in the destruction of the country, which is not unreasonable. After all, many projects have a huge investment, not to mention, but also huge maintenance costs, constantly investing money in it, but not bringing benefits, who can afford it.

But in Liu Chun's view, this problem is not unsolvable, simply put, it is monetization!

For example, in the case of a canal, how many ships can be navigated, how much tax can be collected per ship...... This can be measured, as long as it is calculated, it is the value of the canal company, and with value, it can raise capital.

And with capital, it is easy to turn around, dig canals, recruit personnel, and carry out management and maintenance.

Of course, it is not easy to make this estimate, in the past Ming Dynasty, what could be calculated clearly was the same as salt, so the imperial court simply ran the official business, monopolized the profits, and regarded it as the root of life, and was reluctant to intervene in businessmen.

Moreover, in the middle and late periods, the bureaucratic system was corrupt and degenerate, and even the salt was not clear, which directly created a group of fat salt merchants.

Fortunately, Liu Chun has been preparing for a long time, and his Daning Iron and Steel Plant is the earliest experiment, and he has trained a large number of Liu Xue's disciples over the years.

Now these people are all concentrated under Zhu Di.

Set up a monopoly trading company, raise capital, and then take a stake in the Royal Bank...... A perfect plan is out!

Zhu Di patiently listened to Liu Chun's opinions, and repeated that His Royal Highness King Yan, who was decisive on the battlefield, was extremely calm when it came to the money game, and even a little shrunken.

Finally, under Liu Chun's persuasion, Zhu Di nodded.

"I'll immediately go to the other vassal kings and join them in the shares...... As for the location of Daming Royal Bank, I propose to put it in Tianjin! ”

"Tianjin?" Liu Chun groaned slightly, and then laughed, "The prince is clever, the imperial bank of Yingtian is corrupted by Zhu Yunwen's wanton interference, and the new Ming Royal Bank, placed in Tianjin, just shows the prince's determination to treat people with sincerity and act according to the rules, which is the best." ”

Zhu Di snorted, "I also want to pinch it in the palm of my hand, but I don't have that strength, so I have to bow my head!" But Liu Chun, you must guarantee that the Daming Royal Bank listens to this king, if not, I am willing not to! ”

Liu Chun nodded hurriedly, "Lord Wang, I can leave a back door, for example, with a term of twenty years, Lord Wang can repurchase shares at a premium...... And the prince has the right to appoint the management group, in short, this royal bank can only be owned by the prince alone! Of course, the minister also knows that the prince will definitely consider long-term luck and will not exhaust himself to fish! ”

Zhu Di looked at Liu Chun and suddenly sneered, "You kid, you don't have a good heart at all!" When my father established the Royal Bank, I wanted to own 100% of the shares, and your kid couldn't beat my father, so I could only admit that I was unlucky. Well, now you've finally got your wish. But...... Don't be complacent, the bank can't make a profit for any private person, or a handful of people, this is the golden rule, I must make it clear to everyone! ”

Liu Chun didn't care, you'd better do it! Liu Chun didn't plan to rely on the bank to make a profit at all, what he really had to watch out for was the descendants of your old Zhu family.

For Zhu Yuanzhang and Zhu Di, they can only rely on their consciousness and expect these two to abide by the rules, which is nonsense.

However, the other descendants of the Zhu family are different.

As long as Zhu Di sets detailed rules, no one will be able to fiddle with the Royal Bank at will in the future.

……

Liu Chun and Zhu Di discussed something, except for the Xu family, no one knew.

Two days later, Zhu Di held a big banquet in Yanwang's mansion.

This time, all the vassal kings were invited, and in addition, only Dao Yan, Lan Yu, Liu Chun and others sat to accompany them, as well as Zhu Di's three precious sons.

At the beginning of the banquet, Zhu Rong, King of Qi, Zhu Chun, King of Shu, Zhu Gui, Zhu Gui, Zhu Ao, Zhu Yuan, Zhu Quan, Zhu Quan, Zhu Quan, Zhu Quan, Zhu Quan, Zhu Lu, Zhu Xu, Zhu Zhi, King of Liao, a total of nine feudal kings, all present.

Zhu Di first walked in front of Zhu Zhi, the king of Liao.

"Fifteenth brother, you're finally here!"

Zhu Zhi lowered his head, could he not come!

Zhu Gaochi led the army into Liaodong, if he didn't come, his head would be gone.

"Fourth brother, the younger brother doesn't know the current affairs, please punish the fourth brother!"

Zhu Di shook his head and said with a heroic smile: "Brother Xian, you are too outside, everyone is a brother, and sometimes, it is inevitable to misunderstand." I won't blame you for being a brother. ”

"But...... Today, I think you should have figured it out! ”

Zhu Di suddenly raised his voice, "Less than ten days ago, Zhu Yunwen, the erector son, actually sold the Royal Bank, which his father had worked so hard to create, to his father-in-law, the Ma family, at a price of 3.3 million taels of cabbage!" ”

"From now on, the Royal Bank has become the Ma Family Bank! Zhu Yunwen violated the ancestral teachings and corrupted the Zhu family's world, shouldn't we raise an army to fight? ”

Hearing this, Zhu Zhi, the king of Liao, was shocked and quickly knelt down.

"The fourth brother is wise and martial, the younger brother is obsessed with ghosts, and he doesn't know the number of days, please ask the fourth brother to surrender...... The younger brother is willing to hand over the people of Liaodong and help the fourth brother to crusade against Zhu Yunwen! ”

"Hahaha!" Zhu Di laughed heartily, "As long as our brothers work together, there is nothing that can't be done!" I invited you here this time to discuss something with my brothers, and the Royal Bank is the brainchild of my father, and I can't do without it. I propose that the Daming Royal Bank be established immediately...... Since it is a royal bank, I Zhu Di is here to invite the big guys to join in the shares and share the wealth. Brothers, what do you think? Zhu Di's smile was full of sincerity, sincerity, and kindness......

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