788 Bank Summary
The next day, the good news of Kim Pu Town, North Korea, finally arrived. This ancient traffic, across the sea, is really a bit slow to reach the capital.
But even so, it can be regarded as taking advantage of the return of the Fujian sailor to pass the good news back. Now that the sea is frozen, the victories of the Battle of Gaizhou and the Battle of Jinzhou cannot be transmitted back to the Jingshi, and the news brought by these tribes in the east is not as fast as the news brought by these tribes in the east. But the news of the big victory they brought was a bit informal after all, and everything still had to be based on the good news.
"North Korea's Jinpu Town won a great victory, killing more than 5,000 Jianjiao, losing more than half of the white flag, and the flag owner fled in embarrassment! Our Ming army has suffered very little losses! ”
"Our Ming army has captured countless grains and grasses, and countless armor and weapons!"
“……”
The messenger who reported the victory, singing the brief content of the good news all the way, entered the city with great fanfare, so that the people of the Ming Dynasty who heard the sound on both sides of the victory couldn't help but celebrate.
Although the news had already spread in the Jingshi City, the arrival of the messenger at this time officially ignited the ocean of celebration. Many people have already approved firecrackers, lanterns or something, and the messenger is speeding by, and the sound of firecrackers "crackles".
Although the weather is cold, many of the people of Daming have gone out at this juncture, with smiles on their faces, and when acquaintances meet each other, they will celebrate each other with fists. Especially those who had relatives who had died at the hands of Jianyu before, they were even more happy.
The lively noise reached the post house and the ears of the eastern Mongolian tribes, and there was a special emotion in my heart: embarrassment, shame, gloom, envy, etc., it was really difficult to understand if I was not a person.
After hearing this, the Eziertu and other Western Mongolian envoys were mostly envious. They envied the victory of the Ming Dynasty, the prosperity of the Beijing Division, and the liveliness of the Beijing Division......
The imperial court had already prepared, and as soon as the good news arrived in the court, there was immediate feedback, and the soldiers who participated in the war this time were rewarded. In addition to promotions, rewards in kind are mostly based on land. Of course, this land is not from the Jingshi, but from Liaodong, and the land on the left side of Jinzhou was rewarded with several times the value of the silver coin.
Of course, this is also a helpless thing, who let the court can only live a miserable life at this time, and there is no extra money to reward. Rewarded with Liaodong land, if it was changed before, the common people would definitely feel that the court was deceiving. But at this time, there was not only a great victory in Jinpu Town, but also a great victory in Gaizhou, and this was definitely a great victory.
In this context, the people of the Ming Dynasty have restored their confidence in the imperial court's recovery of Liaodong. Naturally, the land of these rewards is naturally not a flower in the moon and water in the mirror! What's more, there is a lot of land rewarded by the imperial court, and if it were a peaceful era, it would be absolutely impossible to buy so much land with just the reward silver for this war exploit.
The celebratory sounds outside the Forbidden City, occasionally mixed with the sound of firecrackers, have a strong smell of the year before the Chinese New Year's Eve arrives.
At this time, in the Wenhua Hall in the Forbidden City, Cao Huachun, the eunuch of the Celebrant Seal and Wen Tiren, the head of the cabinet, were presenting the year-end summary to Emperor Chongzhen.
In terms of military affairs, Emperor Chongzhen personally participated in every war, including prior news, the formulation of battle plans, and the participation in the war. Therefore, this part of the content, which is mainly composed of Wen Tiren, is only briefly mentioned in a general manner, and the focus is still on the domestic governance situation. And Cao Huachun is in addition to Wen Tiren's words, if there is any omission, it is just to supplement. Of course, even if it is an audit, there is also the meaning of supervision.
"Your Majesty, this year, the provincial branches of Daming Construction Bank are already operating, but the situation in each province is different. In half a year, the deposits and loans in the provinces south of the Yangtze River are the most ideal, and at present, the prospects are good. But other than that, there were very few people, merchants, etc., who went to the branches in various places to take loans, and if it weren't for the factory guards watching, and His Majesty's strict orders, maybe all those silver coins would have been removed by the local government......"
Listening to Wen Tiren talk about this, Emperor Chongzhen remembered that Zhu Xieyuan in the west had once played a concert, that is, he wanted to embezzle the money in the branch of the Ming Construction Bank through an administrative order.
“…… Weichen has let people carefully understand that there are many businessmen in the south of the Yangtze River, and the people know how to make money, and they can find some profitable transactions, so for private high-interest loans, loans from Daming Construction Bank are its best choice; Even if they can borrow money from the Daming Construction Bank, they don't know how to make this money money, but they are worried that the little interest will have to be repaid, so there are very few borrowers......
If it had been changed at the beginning of the Ming Dynasty, the underground status of merchants, let alone other places, it is estimated that there would be no banks in Jiangnan. Now at the end of the Ming Dynasty, business has been very common, at least in prosperous cities such as Jiangnan, so there is the soil for the existence of banks.
But even so, the overall situation of Daming Construction Bank is not as good as imagined, and the money earned in a year is almost nothing, and the shareholders do not even have the desire to pay dividends.
Emperor Chongzhen was not surprised by this, because in his later years, most Chinese people believed in the principle of "never owe money". If you have money, you can deposit it in the bank; If you don't have money, then tighten your belt and boil; Borrowing money to do business? The first thing that comes to mind is what to do if you lose money? Instead of analyzing the possibility of making money, and what to do with these things when you make money.
“…… For example, in Shanxi and Shaanxi, most of them were loaned by the Naturalized Governor's Office for the construction of the Hetao area, the resettlement of the people, and so on......"
According to the bank's rules, even if it is the governor's palace, the corresponding collateral must be produced. The collateral in the Hetao area is the specialty of the grassland, such as cattle and sheep. For the mainland, especially cattle, the more the merrier. With these mortgages, you don't have to worry about not paying off the money.
Emperor Chongzhen nodded when he heard this, he knew all these things. Without his permission, it is impossible to be loaned, such as Zhu Xieyuan's side.
After Wen Tiren finished playing the matter about Daming Construction Bank, he opened his mouth and instructed: "Everything is difficult at the beginning, this is only the first year, and all rules and regulations must continue to be adhered to." In terms of bank principal in the coming year, it can be appropriately allocated according to the situation summarized by each province. After a long time, the people's concept will slowly change, and the role of banks will become bigger and bigger! ”
Emperor Chongzhen set the tone, and Wen Tiren knew what to do in the coming year. Putting this matter aside, he reported to Emperor Chongzhen about the opening of the sea ban, which can be said to be the biggest policy measure implemented this year.