Chapter 369 Household Bank

Zhuo Bingtian was worried in his heart, Wang Ding bowed slightly and said: "Back to the emperor, Yuan Qi does intend to promote the machine silk reeling factory in Jiangsu and Zhejiang, once the machine silk reeling factory is popularized in Jiangsu and Zhejiang, it means an increase of one million tax silver per year for the imperial court." Pen, fun, pavilion www. biquge。 info”

Seeing that he deliberately avoided it, Daoguang turned to look at Zhuo Bingtian and said slowly: "Yi Zhizu initiated the issuance of treasury bonds, and Yuan Qi also opened up the situation for the imperial court to issue treasury bonds, created a model, and contributed a lot, but the imperial court cannot issue treasury bonds for a long time, and it will continue like this for a long time....... There will be drawbacks. ”

Daoguang's words are tantamount to making it clear, Zhuo Bingtian couldn't help but be secretly anxious in his heart, the imperial court wants to have its own channel for issuing treasury bonds, how can this matter be so simple, don't look at Yuan Qi's establishment of a stock exchange in Guangzhou, it seems that it will be effortless to push tens of millions of treasury bonds into the market for listing and circulation, in fact, Yuan Qi can be said to have spent a lot of effort.

In a private letter to him, Wu Qijun talked in detail about the various arrangements made by Yuan Qi for the implementation of national bonds and the means of dealing with them, and it is still so difficult for Yuan Qi, who has a good reputation and rich experience, to unify the money industry in Guangdong, let alone the imperial court?

After a slight sigh, he bowed down and said: "The emperor is far-reaching, and the issuance of treasury bonds can indeed not be faked for a long time, but now the issuance of treasury bonds is still being attempted, and the gentry and businessmen are still relatively unfamiliar with treasury bonds, and it takes a short period of time to understand and accept familiarity. ”

More than half of the bonds were purchased by Yuanqi? Daoguang was slightly surprised, and said, "Didn't you say that all the treasury bonds were listed and circulated freely? ”

"Wu Qijun made it very clear in his private message to Weichen that at least four million of the tens of millions of treasury bonds were purchased by Yuanqi's shareholders and employees, and the other ......" Zhuo Bingtian pondered and said: "Yuan Qi still has at least nearly two million bonds in his hand, which is to prevent large fluctuations in treasury bonds, that is, to stabilize the price of treasury bonds when ......they fall sharply. ”

Daoguang said suspiciously: "Why did the price of treasury bonds fall?" ”

"Under normal circumstances, the price of bonds will fluctuate slightly at different times." Zhuo Bingtian said slowly: "When the time for dividend payment is approaching, the price will rise, and then it will fall...... In addition, some special circumstances, such as the occurrence of major famines, wars, or failure to pay interest and principal on time, will fluctuate significantly, and the second is to prevent the wealthy business groups from maliciously suppressing and manipulating bond prices to seek high profits. ”

Daoguang nodded slightly, it seemed that the stock exchange was far from being as simple as he imagined, and after a slight groan, he asked: "Since it is free circulation and free trading, why does Yuan Qi still want to stabilize the price of treasury bonds?" ”

"Not only to maintain the credibility of government bonds, but also to cultivate and protect the financial market." Zhuo Bingtian said: "When the financial market was first established, Yuanqi wanted to ensure that the gentry and businessmen who invested in treasury bonds were profitable, so that they could gather popularity and activate the market, and only in this way could it be possible to gradually expand the financial market and absorb more idle funds from the people." ”

Caring for and cultivating the financial market, Yuan Qi is really well-intentioned, Daoguang sighed secretly in his heart, in all fairness, Yuan Qi still has more advantages than disadvantages, but Yuan Qi controls the money industry in Jiangsu and Zhejiang, or makes him feel faintly uneasy, Jiangsu and Zhejiang are not Guangdong after all, and he groaned slightly, he spoke: "Since it is said that the financial system and financial market are the foundation of a rich country and a strong army, the imperial court cannot let it go, and the imperial court should send personnel to the Guangzhou Stock Exchange to study and accumulate experience, and in addition, the household department should also open a bank."

Furthermore, Jiangsu and Zhejiang have been anointed in the southeast since ancient times, the world pays taxes, and half of it is done, and those who monopolize the money industry in Jiangsu and Zhejiang can only be the imperial court. ”

"Wechen obeys." Wang Ding raised his body as he spoke, and said, "Please also ask the emperor to make it clear, can Yuan Qi open a branch in Jiangsu and Zhejiang?" ”

Daoguang glanced at him and said, "It's okay for Dingjiu to be blunt. ”

"Your Majesty." Wang Ding said slowly: "Yuanqi Bank is a high amount of deposits, low-interest loans, meager profits, if Yuanqi is allowed to open a semicolon, Jiangsu and Zhejiang Qianzhuang is afraid that it will not compete with Yuanqi, but Yuanqi has no fault, and the imperial court should not strictly prohibit Yuanqi from opening a semicolon in Jiangsu and Zhejiang, otherwise it is easy to attract criticism, besides, the imperial court has never banned Qianzhuang from opening a semicolon. ”

Pondering slightly, Dao Guangcai said: "Yuanqi is allowed to open a branch, one city and one city in the prefecture and county, and the scale shall not exceed the largest local money village silver number, and the provincial capital is allowed to open five branches." After a pause, he continued: "Yuan Qi has become a monopoly in Shanghai County, and some face still needs to be preserved, so it's up to him." ”

"Wechen obeys." Wang Ding hurriedly bowed and said.

Daoguang immediately looked at Zhuo Bingtian and said: "A war in Jiangning is inevitable, so Wu Qijun rushed to Jiangning, and the household department allocated one million taels of silver as the principal, so that he could try to open a bank in Jiangning. ”

"Wechen obeys." Zhuo Bingtian said and asked again: "Weichen is stupid, is it in the name of the household department?" ”

Daoguang said: "It's called the Jiangning Branch of the Daqing Household Bank." ”

Shanghai, Huangpu River.

As soon as the boat stopped, Li Wang jumped off the boat, raised his hand and called a small green cloth sedan chair, Yi Zhizhi slowly went ashore under the escort of a group of regimental brave guards dressed up, went straight to the sedan chair, and ordered: "Go to the Daotai Yamen." ”

In fact, from the wharf can be transferred to a small boat along the river into the city, however, Yi Zhishu has been on the boat in recent days, really unwilling to take a boat again, and from the wharf along the river into the city, the river is also congested, it is not as fast as taking a sedan chair, this time, he went from Jiangning to Taipingfu, after placing the station of the Yuanqi group practice, he hurried back to Shanghai by boat, although the inland river wind and waves are small, but it is far less refreshing than the sea voyage.

Taiping Mansion is not far from Jiangning, but one hundred and fifty miles, take the land to ride a horse, all the way without delay, fast horses and whips, most of the day can arrive, march on foot, two days are also more than proper, from the quarry town along the river downstream, can be morning and evening.

After staying in Taiping Mansion for two days, Yi Zhizhi returned to Shanghai by boat, he did not dare to delay for a long time in Taiping Mansion, he was late to take up his post in Shanghai, and disappeared as soon as he arrived, which is not conducive to stabilizing the hearts of the people in Shanghai, for him, Shanghai is the most important.

The sedan chair fell off the sedan chair at the gate of the Daoya, and the officials on duty at the door hurriedly rushed over, Shanghai Road is the largest in Shanghai County, and it is generally a sedan chair, even if it is the official sedan chair of the county lord, it will not be ignorant of the rules and get off the sedan chair at the gate, and the two officials rushed forward and were about to scold, Li Wang was already the first to say: "Lord Daoxian is back to the Ya, and you must not be rude." ”

Hearing this, the two officials came out of the sedan chair, and the age and appearance were in line with what he talked about on weekdays, and he didn't dare to slack off immediately, and hurriedly bowed to him.

"Pay." Yi Zhizu pointed to the sedan chair man who was a little stunned, and then said to the two officials: "It's not a court, no need to be courteous, just get up." As he spoke, he slowly walked up the stairs.

Entering the gate, the Taoist officials and the scribes rushed out to greet after hearing the news, and the waiting Yi Zhizhi walked to the lobby courtyard, and there were a few scribes who had seen Yi Zhicontentment, and they saw that it was indeed the Daotai Lord, and hurriedly knelt down on the ground and said, "Welcome your Excellency back to the Ya." In an instant, the courtyard was on its knees.

Yi Zhizu stopped, glanced at everyone, and said, "All perform their duties, and we will pay homage again tomorrow morning." As he spoke, he went straight back, and when he arrived at the gate of the second hall, Bao Shichen greeted him, bowed down and said, "Welcome Dong Weng back to the Ya." ”

"Mr. Bao doesn't need to be polite." Yi Zhisuff returned the salute with a smile and said, "I wanted to come back before the opening of the seal, but it was delayed for a few days, and there was Mr. Lao Bao." ”

"What is within the circumstances, why should Dong Weng be polite." Bao Shichen stretched out his hand as he spoke, "Dong Weng, please." ”

Yi Zhishu asked as he walked, "Is there anything important these days?" ”

"There's a lot going on." Bao Shichen said with a smile: "Mo Sheng has recommended a few staff, people have already come, and they are currently placed in the courtyard of the west wing of the three halls, and the Dong Weng of the mustache has decided, in addition, the county has come, and there will be ......" After a slight pause, he said: "Jingshi has a private letter, look at the stamp, it should be sent urgently for five hundred miles." ”

Five-hundred-mile expedited? Yi Zhi's content slowed down, did Jingshi react? If it was Su Shun's letter, it couldn't be a five-hundred-mile rush, although he was in a hurry to go back to the backyard to take a bath, but he was even more anxious to know Jingshi's reaction, and said, "Go to the detention room." ”

After checking the fire paint, Yi Zhizhi opened the big cowhide envelope, took out the small envelope and saw that it was Wang Ding's letter, he had a bad premonition when he landed, but in fact, he heard that it was five hundred miles urgent, and he already had a bad premonition.

After reading the letter word by word, he handed the letter to Bao Shichen and said, "Mr. Bao will also take a look." As he spoke, he took out a cigar and lit it, fortunately, he was not reckless, and he was not in a hurry to spread it in Susong and Songfu, otherwise, I am afraid that he would not even be able to hold the territory of Shanghai County.

It is not allowed to monopolize the money industry in Jiangsu and Zhejiang, and the prefecture and county are only allowed to have one city and one number, fortunately, Daoguang still saved some face for him after all, and let Yuanqi monopolize the money industry in Shanghai County, of course, for him, this is the most important thing, he can even not want Jiangning, but he can't do without Shanghai.

Bao Shichen slowly put down the letter, and could not hide the shock in his heart, "Yuan Qi really has a plan to unify the money industry in Jiangsu and Zhejiang?" ”

"If you unify the money industry in Jiangsu and Zhejiang, you can unify the money industry in the Qing Dynasty, and Yuanqi does have this long-term plan." Yi Zhizu said bluntly: "However, the imperial court obviously won't give Yuan Qi this chance. As he spoke, he smiled and said, "Allowing one city and one city in the prefecture and county, Yuan Qi is also content." ”

Bao Shichen glanced at him suspiciously, and said, "What Yuan Qi wants is nothing more than one city and one number?" There are so many merchants in Jiangsu and Zhejiang Province and so much financial resources, but Yuan Qi can't swallow it in one bite. ”

"Of course I didn't plan to take it to myself." Yi Zhizhi said: "Yuanqi has never eaten alone, if the imperial court does not object, in three or five years, Yuanqi will be able to integrate the money industry in Jiangsu and Zhejiang into an iron plate, and now, it can only be a retreat." ”

What does it mean to settle for the next best? Bao Shichen wanted to ask, but when the words came to his mouth, he couldn't help it, and said: "Wu Qijun, the left waiter of the household department, opened the Jiangning branch of the Daqing Household Bank in Jiangning, what does this mean?" Haven't heard of a bank in the Household Department? ”

"The imperial court wants to establish a national central bank." The corners of Yi Zhi's mouth curled, and he said with a slight sneer: "As far as the current financial situation of the imperial court is concerned, without twenty years of continuous large-scale investment, it is difficult for the household bank to become a climate, but I have to say that today is very bold and far-sighted, and it is really surprising to take this step so quickly, of course, it is also gratifying." ”

"Dong Weng said cautiously." Bao Shichen said softly: "How can any courtier say that the emperor is like this, and the partition wall must be guarded against ears." ”

"It's all praise." Easy to be content with the way of disdain.

"Awe." Bao Shichen said: "When it comes to the emperor, you must have a sense of awe, Dong Weng must not be cautious in the officialdom, praise the holy words, swallow the world, and have far-reaching holy thoughts, how can you use a condescending tone, when the situation is due, it is a big disrespectful crime." ”

Yi Zhixiang hurriedly smiled, and said, "Teach below." ”

Seeing him like this, Bao Shichen changed the topic and said: "The establishment of a bank by the imperial court is not a good thing for Yuan Qi, why can Dong Weng say that it is gratifying?" ”

"The imperial court must have its own bank, and the first installment of one million taels of silver is invested, which shows the determination of the imperial court, which is of course gratifying." Yi Zhizu said slowly: "For Yuanqi, the impact of the household bank is not ........ ”

He stopped talking, and didn't continue, Raven. After the war, the Qing Dynasty entered a period of many disasters and difficulties, and the growth of the Hubu Bank would inevitably be interrupted, even if it was not interrupted, it would be left behind by Yuan Qi, and he was not worried at all.

Seeing that he wanted to speak and stopped, Bao Shichen smiled and said: "Dong Weng has been away from the government for a long time, and go back to the backyard first, otherwise the old decay will definitely be talked about." ”

Yi Zhizhi smiled, got up and left the signing room, returned to the backyard, as soon as he entered the hanging flower door, turned the verandah, and saw Yan Xiaomei, Bai Xue, Ling Xuan, Chunmei, Xia He and other women waiting with a smile, seeing him coming, all the women saluted and said, "I've seen the master." ”

"It's only been a few days out, so there's no need for such a big battle." Yi Zhizu smiled and quipped, and then ordered: "Chunmei, Xia He, hurry up and boil water, they are on the boat these days, and they all smell like they're on their bodies." As he spoke, he glanced at Yan Xiaomei, Bai Xue, and Ling Xuan, and said with a smile: "Xin'er went to get a change of clothes." ”

After the third daughter left, he asked softly, "How are these days?" How are you getting along? ”

Bai Xue smiled, "Don't worry, my lord, Sister Xin'er is generous and decent, empathetic, and very easy to get along with." ”

"There's a lot more rules in the backyard now." Ling Xuan said tentatively, "Sister Xin'er is from a big family, right?" ”

Bai Xue glanced behind him and asked, "Where is the Ying girl?" Didn't come back? ”

"That girl will be back later." Yi Zhixiang said with a smile, "After missing all these days, I have to indulge myself today, and go to Xuan'er's room at night." ”

Hearing this, Ling Xuan was a little shy, but Bai Xue covered her mouth and smiled: "Then you have to let Sister Xin'er take a bath, or those two girls may rob the emperor first." (To be continued.) )