My Daming New Empire

Page 590

Otherwise, as soon as the extreme Dongying people are provoked, they will lose their temper and kill each other, and a good move will become a bad move.

Thinking of Qiuzi's soft and beautiful figure, Zhu Zhanji couldn't help screaming that it was a pity.

After having lunch with Zhu Di, he couldn't help but was ready to go out of the palace again, but this time he went not far away, just outside Chengtian Gate to the Mansion of the Commander-in-Chief of the Five Armies.

Of course Zhu Zhanji can't control him, and he doesn't want to. He still has a lot of things to do.

Now, apart from the torture in the big Shandong case, what he is most concerned about is the accounts of the two banks, but the accounts of the banks are the most difficult to sort out.

Since the establishment of Yongle Bank in 14 and its official opening in early 15, Daming Development Bank and Daming Commercial Bank have become the arteries and meridians of Daming, a behemoth.

The Daming Development Bank is mainly responsible for state affairs and economic order.Officials' salaries, soldiers' salaries, including state appropriations, and today's imperial appropriations are all implemented through this bank.

Originally, the bank did not have an admiral, but was headed by Guo Zi, the servant of the household department.

It's just that the scale is getting bigger and bigger, and more and more banks are involved. In the end, Guo Zi was promoted to the admiral of the Development Bank. From the second rank, he was only half a rank lower than Shang Shu and half a rank higher than Shi Lang.

The Daming Commercial Bank is directly managed by the Internal Supervision and Banking Bureau, and is also directly managed by Chang Baogui, the chief eunuch of the Banking Bureau. It is mainly responsible for commercial lending and capital flow.

These two banks only have the right to operate, but all the money bags are in the hands of Daming Bank, but Daming Bank has no right to operate, only the right to supervise.

The circulation of gold and silver coins between the two banks is controlled and regulated by Daming Bank, but Daming Bank does not participate in the operation.

This is equivalent to the division of labor between the central bank and commercial banks in later generations. Zhu Zhanji originally thought that this model was perfect, but he forgot that it is now an imperial society.

Others can easily say that when Zhu Di takes the lead in breaking the rules, no matter how good the system is, it is just a decoration.

However, Zhu Di couldn't realize this kind of mistake.

He knows the importance of rules, and even more of the importance of making rules, but he doesn't think it's wrong to use money from the bank.

In his opinion, everything in this world can be taken away by him.

Fortunately, Zhu Zhanji established the rules at the beginning, Daming Bank only has the power to manage and allocate money, and any gold and silver in and out must be operated through commercial banks.

And the governor he promoted, Chen Xuan, was also very tough. No one could get a single silver coin from the Daming Bank.

Therefore, the foundation of the bank is not bad. What is bad is mainly the accounts and operations of the Daming Development Bank.

The Daming Commercial Bank was originally the royal purse, managing the world's commerce, so it was only natural for Zhu Di to take money from it. He took two or three million in a few years, and it was mainly a floating profit.

But Zhu Di felt that it was his own money, and he didn't want to embezzle it, mainly to get money from the Development Bank.

Moreover, the inner eunuchs are smarter than the other, eager to find evidence of corruption by their colleagues and drive them out of power.

Therefore, the operation of Daming Commercial Bank has not been greatly affected.

But the Daming Development Bank will not work.

The funds here are mainly invested by the Ministry of Household Affairs, and the projects started every year and the operation of the imperial court must pass through this bank.

Zhu Di took away more than 300 million silver coins at once, which did not affect its development, but many people couldn't help but reach out.

Fortunately, most officials also trust the Development Bank more and are willing to deposit their own money in the Development Bank, so the bank still looks good.

Unbeknownst to most people, the bank has a hole in it.

Zhu Zhanji brought back more than 2000 million goods, gold and silver accounted for more than half, and the rest were military horses, minerals, and special products.

On the household department side, Guo Zi also breathed a sigh of relief, thinking that the Development Bank was saved.

Of course it is necessary to save, but Zhu Zhanji has to figure out how to save and to what extent.

Forget about the funds embezzled by Zhu Di. Other clans, nobles, and ministers borrowed funds from the bank to store goods for themselves and conduct trade. This account must be properly calculated.

These days, Guo Zi came to Zhu Zhanji almost every day, wanting to extract some gold and silver coins from the Banking Bureau.

He asked for 500 million yuan, but Zhu Zhanji refused without hesitation. He only gave him 150 million yuan, and let him be an emergency first.

In fact, 500 million silver coins can't fill the hole in the development bank, because Zhu Di embezzled nearly 500 million, while others embezzled even more. Without 300 million silver coins, it can't fill the hole at all.

Zhu Zhanji is rich. This time he went to sea in exchange for more than 2000 million yuan, but the cost was less than 500 million yuan. Even if the expenses are included, the profit is more than three times.

But it's not in his character to wipe everyone's ass like this, let alone cultivate a bunch of moths. If everyone regards the bank as their own money bag, it will not be far from bankruptcy.

He is waiting, only when Zhu Di goes out to fight, can he do it.

You can wait to solve the problem, but you can't be sloppy in checking the accounts.

These days, apart from handling official duties, he has been organizing the staff of the Information Department and the Commercial Bank to check all the accounts of the Development Bank.

And in addition to these, he also has various entertainments.

He doesn't live in a vacuum, even in order to maintain his rule, he must meet different people, and carry out various targeted wooing, suppression, and subjugation.

Besides, he has his own private life.

He is not the kind of person in Chongzhen who devotes himself to work all day long in order to deal with the government affairs, and the current situation in Ming Dynasty is thriving, so there is no need for it at all.

Although today's Daming still has problems of one kind or another, this is not a problem of a certain person or a certain aspect, but a limitation of the times.

On the whole, today's Ming Dynasty has passed the depression in the early Ming Dynasty.With the gradual development of agriculture and the rapid development of industry, the living standards of the people have been greatly improved.

Twelve years before Yongle, there were often famines in various places, and countless people starved to death every time.

There are no beggars in Yingtian Mansion due to strict management, but in other prefectures, countless beggars die of cold and starvation every winter.

Taking Luoyang as an example, in the past few years, more than 500 people were declared hungry every winter, but after 14 years in Yongle, the number has dropped to less than [-].

Moreover, most of these people did not sleep because of starvation, but died of disease.

The Ming Dynasty gradually entered the prosperous age, so Zhu Di didn't care about state affairs, and he didn't want to get caught up in entanglements with the ministers.

He wholeheartedly wanted to make an indelible contribution and win fame in life and after life.

In the original world, he went to the north five times in a row.But in this life, because of Zhu Zhanji's operation, today's Mobei can no longer pose a threat.

Zhu Zhanji conquered Dongying again, so he could only set his sights on the distant Timur country.

"See Your Highness..."

Zhu Zhanji took two quick steps, helped up Liu Jiang with gray hair, and said with a smile, "Why do you need to do such a big gift between you and me, please get up quickly."

After helping Liu Jiang, he helped his son Liu An who was kneeling behind him. He was still guessing why the father and son asked to see each other today.

Liu Jiang can also be regarded as the first person to follow Zhu Zhanji, and has been assisting Zhu Zhanji to integrate Daming water power, turning the navy into a real navy.

Therefore, Zhu Zhanji still likes Liu Jiang very much. Even though he later found out that his ability is limited, it is a bit reluctant to serve as the commander of the navy. Zhu Zhanji never thought about replacing him.