Wang Chengen was reluctant to stand up to support the central bank immediately, and wanted to see the limelight, which made Wang Jiazhen finally relieved, and he immediately skipped his subordinates and said directly to Zhang Guoji, who was sitting on the right side.

"Zhang Changan, you are a non-governmental person specially invited to this meeting, and now you will talk about your views on behalf of non-governmental personages."

Several Shanxi businessmen glanced at Zhang Guoji coldly, and they all had a feeling of betrayal in their hearts about this fellow wealthy businessman who had taken refuge in the household officials.

But at such a meeting, they couldn't do anything about Zhang Guoji, and could only watch Zhang Guoji speak.

Zhang Guoji ignored the malicious gaze of these fellow Shanxi villagers on the other side, and after he got up and saluted Wang Jiazhen, he said Shi Shiran.

"The villain has some ideas after observing the meeting in the past few days, and now I would like to ask a few adults and colleagues to correct them.

The villain thought that what the man from Hecheng said was probably good, but what Hu Friend of the Communications Post Bank said was not unreasonable. But both sides seem to be a bit biased.

No matter how much cooperation the two banks had with the imperial court, the Ministry of Household Affairs should still be the main responsibility for the supervision of the bank's business.

Why does the villain say this, because although the banknote is responsible for acceptance, it is issued in the name of the imperial court, once the banknote can not be exchanged for silver taels in the bank in time, it is the credit of the imperial court that suffers.

Therefore, the villain thinks that the number of banknotes issued in circulation in a year and the amount of banknotes recovered should be determined through consultation between the bank and the household department, and the number of banknotes issued cannot exceed the upper limit of the bank's acceptance.

However, the acceptance of banknotes is not a unilateral commitment of the bank, but should be a mandatory condition under the supervision of the imperial court.

If the bank refuses to accept the banknotes, it should be punished, which is also a precautionary measure to ensure that the banknotes do not become the end of the Ming treasure banknotes, and only if the stable value of the banknotes is maintained, the increase in the amount of banknotes you propose will make sense, right? ”

Wang Fengyuan looked up at Zhang Guoji, his brows couldn't help frowning, and now most of the supervision of banking business is concentrated on the central bank.

Zhang Guoji's suggestion is tantamount to transferring part of the current power of the central bank to the hands of the household department, and this suggestion is obviously unfavorable to the central bank.

However, Wang Fengyuan immediately looked at Wang Chengen opposite him, and seeing that the palace representative looked as usual, he turned his mind at ease.

Now, the relationship between the Central Bank and the Inner Court has become very close, and unfavorable proposals for the Central Bank will also harm the interests of the Inner Court. He did not believe that the Inner Court would be indifferent to this, and it would be better for him to wait and see what would happen to him.

After all, the central bank, as the first bank to be established, has already enjoyed too many preferential conditions, and the officials of the household department and the other two banks may not have other ideas. He didn't want to stand up and be the target of public criticism.

Hu Guangyuan, a representative of the Communications and Postal Bank, was not as calm as Wang Fengyuan. Under the supervision of the central bank and the supervision of the Ministry of Accounts, the difference is wide.

At present, there are two institutions for the management of the banking industry, one is the Financial Department, an official institution established by the Ministry of Households, and the other is the Financial Management Commission, which is formed by the personnel of the Inner Court and the Central Bank.

The Department of Finance has only been established for a short period of time, and several of its officials are not of high rank, so it has not yet been able to propose any strong measures against a few banks.

However, the Financial Management Committee was established earlier, and the emperor always took care of it, but it formulated many management systems for banking business.

When the Bank of Communications and Postal Services was established, Hu Guangyuan had already been offered a position in the Financial Management Commission in exchange for negotiations with the imperial court.

But now according to Zhang Guoji's statement, it means that the compromises he made before are in vain. What's more, as a merchant of the Ming Dynasty, he naturally distrusts these officials in the imperial court.

Therefore, seeing that Wang Fengyuan was slow to come out, Hu Guangyuan finally couldn't help but interrupt Zhang Guoji and said: "Regarding banking supervision, there are already financial management committees and financial departments, and I don't think there is any need to talk about the affairs of regulatory agencies.

And isn't the bank essentially a pawn shop that deals in money exchange? Yu thought that it was not impossible to exchange banknotes because some outlets had insufficient silver reserves. Isn't it too harsh to be subject to mandatory punishment just for a momentary mistake?

What's more, if someone in some areas carries out a malicious run on bank outlets, then dare to ask this friend Zhang, in this situation, do you still want the bank to accept this punishment? ”

Zhang Guoji obviously didn't think about these questions raised by Hu Guangyuan, and he immediately stopped thinking about it.

Looking at the venue that fell silent, Wang Jiazhen suddenly smiled and said: "Aren't these problems mentioned by Deputy Hu exactly the reason for strengthening the supervision of the imperial court?"

This official thinks that it is better to let Zhang Changan finish his words first, and then we will discuss these issues. ”

With the support of Wang Jiazhen, Zhang Guoji told again, this time he was more cautious.

“… In order to ensure that the banks can exchange banknotes as promised, well, there is also a sudden ** case that was maliciously run on the money just proposed by Hu friends.

Yu believes that banks should set aside a quarter of their share capital as a margin for the exchange of banknotes in response to the above incident. Of course, this money should be under the supervision of the Ministry of Households, and not in the Central Bank..."

There are only two main points of view in Zhang Guoji's tirade, one is to strengthen the supervisory power of the household department over the bank, but the bank must take out a part of the share capital as a guarantee for the acceptance of paper money, so that the household department can make substantial punishment for the bank after violating the acceptance of the bank.

Both of these views obviously harmed the interests of the three banks, and Zhang Guoji's argument was ultimately supported only by household officials, but was jointly opposed by the three banks.

After continuing the argument for nearly an hour, Wang Chengen, who had been silent, finally spoke up to stop the argument between the two sides.

"The miscellaneous family has already heard everyone's thoughts, and the miscellaneous family thinks that even if everyone continues to argue, they will still not come to any conclusions, so this meeting will not be finished.

Then the miscellaneous family, it is better to do it like this, all the ideas put forward by you are copied, and the miscellaneous family will take them back to Your Majesty to see, and this matter should be handed over to Your Majesty for judgment. ”

Mr. Wang's suggestion finally calmed down the household officials and the representatives of the three banks, and after whispering to each other, they agreed with the opinion of the palace, which seemed to have remained neutral.

When Wang Chengen hurried back to the palace with a stack of meeting minutes, Chongzhen, who had a short break after lunch, was tidying up his clothes at this time, preparing to go to Wuying Hall to participate in the discussion of the General Staff Department's handling plan for various affairs after the war.

In the Dongnuan Pavilion of the Qianqing Palace, Zhu Youzhen, who was standing in the middle of the room, opened his arms and asked the little eunuch to sort out the clothes on his body, and he looked sideways at Wang Chengen, who had just entered the door, and said.

"Wang Companion is back, I've worked hard for you these past few days, how was that meeting? Wang Shilang turned the gold exchange bill meeting into a meeting to discuss the currency circulation bill, did he discuss any new ideas? ”

Wang Chengen hurriedly bowed his head to the emperor and saluted, and then said a little breathlessly: "This meeting really discussed something, and the ministers listened to His Majesty's instructions, listened more and watched less talk, so these businessmen said more in their hearts."

What the ministers heard at the meeting in the past two days was that those businessmen just didn't want the court to interfere more in the bank's business. However, several officials of the Ministry of Household Affairs are doing everything possible to manage more bank business. ”

After Zhu Youzhen waved his hand to let the little eunuch who served him in clothes step back, he said disapprerovingly to Wang Chengen: "This is a normal phenomenon, the world is bustling, and it is all for profit; The world is crowded, all for profit.

It's not for the sake of the bank that it can make a lot of money, how can those businessmen take the money out to invest in the bank. It's not that they make too much money in the bank, how can the household officials be red-eyed and want to be more restrained.

When the bank was first opened at the beginning of the year, didn't the household officials who pawned the bank at the beginning hide and didn't want to get involved with the bank, for fear of ruining their reputation?

Now everyone knows that banks make money, and they make much more money than the salt merchants. It would be strange if they didn't think about the bank.

I'm going to the Wuying Hall now, you pick up some key points on the way and talk to me, and the detailed minutes of the meeting should be read later. ”

Zhu Youzhen walked out of the room as he spoke, Wang Chengen hurriedly agreed to follow, he was half a step behind Chongzhen, and reported to Chongzhen the main discussion of the meeting during the march.

From the Qianqing Palace to the Wuying Palace, there is a long road of about 2,500 meters, Zhu Youzhen took a group of chamberlains and guards on foot, so he could only walk slowly, and it took nearly 45 minutes on the road.

However, this gave Wang Chengen enough time to report, and he clearly explained the key speeches of several people at the meeting to the emperor.

When Wang Chengen stopped reporting, they just walked to the entrance of the apse of the Wuying Palace. Zhu Youzhen looked at the bluestone steps in front of him, and suddenly stopped and said to Wang Chengen.

"Wang Banban, I have written down everything you said, you sort out the minutes of the meeting, and then inform Wang Shilang, Wang Fengyuan, Hu Guangyuan, and the four of Zhang Guoji, to wait in the Wenhua Hall tomorrow morning, and I will talk to them in person at that time.

You will focus on this matter now, the three banks are now the hematopoietic heart of the Ming Dynasty, if we don't deal with this problem well, we will be very passive, and many things will not be able to continue. ”

"Yes, Your Majesty. Then go and inform them..."