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Chapter 236 The sprout of bank

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    Of course, these are Huang Mingyuan¡¯s plans. Many things are easier said than done.  Huang Mingyuan had been thinking about it for so long, and had the experience of later generations to help him, but when he really wanted to do it, he was still trembling and did not dare to move lightly.

    This was the first time Huang Mingyuan told others about this idea, because he was too advanced and something that was completely impossible to introduce to the mainstream society at that time, even though Shang Yang used him to strengthen the Qin State.

    The reason for telling Li Zixiao this time is because Huang Mingyuan has always believed that Li Zixiao is not just a subordinate of him, but a like-minded entrepreneur and the only one who has the ability to realize Huang Mingyuan's plan.  Just like Jack Ma and Tsai Chongxin in later generations, one is full of passion and enthusiasm; the other is conscientious and down-to-earth.

    Huang Mingyuan¡¯s field receiving system is an upgraded version of the traditional field receiving system.  On the one hand, its advantage is that it transformed the military pay system of later generations into a land pay system, which greatly improved the enthusiasm of soldiers; on the other hand, although the land compensation system increased the government's expenses, it relieved the soldiers' worries to a certain extent.

    Of course, the military construction beyond war and training has a long way to go, and Huang Mingyuan has only just begun.  Afterwards, Huang Mingyuan also planned to introduce methods such as the retirement system, the reserve system, and the training system for retired soldiers. Even the political department system and the chief of staff system in later generations are worthy of reference.  The army is no longer a violent machine in a separate sense. It will sow these soldiers who have been tempered in the melting pot of the army to all directions, driving the development of social productivity and the thinking of the people at the bottom.

    Of course, the premise is that these are good seeds.  If they are like bandits and robbers, they are harming society. No matter how powerful they are, they should be eliminated.  This is why Huang Mingyuan emphasizes military discipline no matter what.

    Li Zixiao digested some of Huang Mingyuan's ideas and said: "My lord, since we want to use land to control the development of the entire Fengzhou, in addition to the government agencies responsible for controlling the economy, we also need an agency for controlling money. If we don't  To hand over the grain output to the soldiers would require a large amount of copper coins or even other materials, which is something that the current Toyoshu cannot do. Only with such a monetary institution to speed up the circulation of Toyoshu's money can we  Make use of limited funds.¡±

    Huang Mingyuan did not expect that Li Zixiao proposed the concept of introducing banks so early.  Yes, there was a fatal flaw in Huang Mingyuan's whole idea, and even in the economic development of China as a whole until the middle and late Ming Dynasty. That is, copper, as the basic carrier of traditional currency, was far from being able to meet the production requirements in China.  .  Therefore, in China's more than two thousand years of history, a common problem is that there is not enough money, and bartering continues.

    After the Ming Dynasty, more than half of China¡¯s self-produced copper came from Yunnan, and we did not have the ability to mine copper mines in Yunnan.

    In Chinese history, the salaries of officials and the pay and rewards of soldiers were never expressed in copper coins, but in grain and cloth as the basic units.  No emperor foolishly gave any amount of money directly to the soldiers. Instead, they all rewarded them with silk, coarse cloth, meat and other things.

    Even now, among Huang Mingyuan's many official positions, titles, and honors, the highest rank is Zhuguo, the second rank, with a salary of 700 shi; the title of founding uncle is the third rank, with a salary of 500 shi; the military attache is the deputy general manager of Fengzhou and  The hussar generals are each in the fourth rank, with a salary of 300 dan; the civil servants, Feng Governor and Shi, are in the fifth rank, with a salary of 150 dan.  Huang Mingyuan's main official positions, not counting the positions of inspector, leader, etc., have a salary of 1,950 dan.  Of course these are all grains.

    As for every great achievement, Emperor Wen of the Sui Dynasty only gave him land, manor, silk, horses, swords, bows and arrows and other things, but he did not give any money.  If you want money, then sell the output yourself.

    Of course, Yang Jian is not the only one like this. Most emperors in history have been so stingy when it comes to money, especially at the beginning of the founding of each dynasty.  In the Northern Song Dynasty, Cao Bin destroyed the Southern Tang Dynasty. He was granted the title of Privy Councilor, the highest position among military generals, and countless other rewards. However, in terms of money, he was only given 500,000 yuan, which is equivalent to 500 guan. This is already a huge favor from the emperor.  Later generations who didn't know the inside story also accused Zhao Kuangyin of being stingy. You must know that Zhao Kuangyin followed the path of corrupting generals. How could he be afraid of spending money?

    Needless to say, the benefits of establishing a bank are that it is a vehicle for controlling the economy of a region.  If you want to have a planned economy and government control, in addition to special management by government planning units, banks are important regulatory hubs.  The government and banks took control of commercial channels and trading media, and the entire region was devastated.

    Banks originated in the Tang Dynasty in my country. During the reign of Emperor Xuanzong of the Tang Dynasty, a "gold bank" appeared in Suzhou.  Of course, this kind of financial institution that adopts the feudal organizational management form has weak financial strength and small business scope. The bank it wants to build must at least be of Ming and Qing Dynasty.A bank with a promissory note number.

    The bank Huang Mingyuan needs needs to have these functions.

    One is the basic business, namely deposits and loans.  The bank is responsible for the distribution and remittance of soldiers' land income.  Ordinary people can also directly borrow money from banks to purchase cattle, seeds and other supplies.  As a semi-official organization, the Fengzhou Governor's Office provides a credit guarantee, and its credibility and deterrence are sufficient.

    Another function is the issuance of currency, exchanging gold, silver, copper coins, cloth and other currencies.  In feudal society, it was naturally not allowed to mint copper coins privately.  But Huang Mingyuan did not plan to mint copper coins, but planned to mint silver coins, which was later known as Yuan Datou, and banknotes.  As for the source of the money, Huang Mingyuan is not worried.  To the west of Fengzhou, in the Alxa area of ????later generations, in 1854, Prince Alxa funded the mining of the Halezinkucha Mountain silver mine in the banner. This silver mine was enough to regulate the entire silver market in Fengzhou.

    The third function is that Huang Mingyuan hopes that banks can assume some government functions and help the government regulate prices.  Of course, it is no longer uncommon for Wall Street financiers to manipulate prices in later generations, but now the government's ability to intervene is used to directly regulate prices, except for food. Huang Mingyuan hopes that salt, iron, livestock and other materials will be included in this scope.

    The fourth function will be connected with the current Sihai Business Group to develop the pawn industry and transportation industry.  In the future, large sums of money can be quickly allocated through banks, which is also an important aspect of Huang Mingyuan's emphasis on banks.  The amount of copper coins used today is so scary. It can easily amount to hundreds of thousands or millions of dollars, but the unit of copper coins is wen.  When money is needed, countless large trucks can scare people to death, and the speed of transportation can also torture people to death.

    The bank¡¯s proposal really frightened Li Zixiao.  Li Zixiao really didn't know how many things were in Huang Mingyuan's mind and how many tigers were hidden in his heart.  (Remember the website address: www.hlnovel.com
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