Chapter 100                                                             

Zhang Siwei leaned forward and looked at listening with a scrupulous look, saying, "I hope to hear it carefully."

Zhou Mengchen said: "Although this bank is paid by the internal treasury, in essence, this bank belongs to the state and has some business to be done by merchants. It is a bit uneasy, but it is OK to do it for you."

Zhang Siwei said: "For example?"

Zhou Mengchen said: "For example, if local taxes are introduced to Beijing, the Ministry of Revenue will take a lot of money and consume a lot of money. If you can do it in various provinces, you may not be able to go directly through the bank."

As soon as Zhou Mengchen said this, Zhang Siwei did not react at all. Fang Dun had already said it. Fang Dun said, "I said why do you have to pull me here? It turns out that you are waiting for me here."

Zhou Mengchen said, "Uncle Fang, are you just doing this? "

This is also a small project for Zhou Mengchen to reform the Ming Dynasty's financial system. Now the Ming Dynasty has not implemented a whip law, and localities are still levied in-kind taxes. If they were all exchanged for silver, Zhou Mengchen would like to let the entire Ming Dynasty taxes be transferred from the bank.

This greatly reduces the cost.

Not to mention, escorting taxes to Beijing requires people. Now only a few people need to bring bank deposit certificates. For project funds at all levels to be allocated through banks, it also saves the following layers of labor distribution and reduces management levels.

Of course, people who should be corrupt may also be corrupt. But in this way, the cost of the Ministry of Revenue can naturally be reduced.

Fang Dun understood this even more and suddenly became more pleasing to this bank that had not yet been established. Indeed, if there were mostly Shanxi merchants behind this bank, Fang Dun dared not do this, after all, taxation is the top priority of the country. Who will be the one who will do if there is a problem with the bank? But this bank is different. It is the emperor at any time. But it is also the country.

After all, although the emperor and the court have many differences and contradictions, on the whole, they are still one.

In fact, Zhou Mengchen always wanted the Ministry of Revenue to have a bank, the so-called policy bank. Because of the chaos of the Ming Dynasty's coins and the almost empty economic policies, there was no need to establish a central bank in the Ming Dynasty, and even after establishing a central bank, he didn't know what to do.

However, Zhou Mengchen's design of the bank's Treasury Debt Department is actually the predecessor of the central bank. If Zhou Mengchen had the opportunity to be in power, the central bank would definitely come out of the household registration and become a yamen that competed with the household registration registration.

But now nothing is easy to do. After all, Jiajing has no intention of making a big move.

Zhou Mengchen could only follow Jiajing.

Fang Du pondered for a moment and said, "You can try one or two."

After hearing this, Zhang Siwei was overjoyed and said, "Then I would like to thank Lord Fang."

After all, Zhang Siwei is from a family background. Although he has never managed the bank very much, he has some understanding of the principles of the bank and even business. In his opinion, there are two biggest problems for banks, one is money and the other is credit.

Money is important, but credit is also important.

Don’t think that everyone can be so smooth when looking at the Yellow River Bank’s development. On the contrary, this kind of success is based on Shanxi merchants, both of which are not short of money, and on the other hand, the credit established by Shanxi merchants over hundreds of years is even just an integration in a sense.

Many years later, Shanxi merchants created bill numbers and other things. It can be seen that there are not such business among Shanxi merchants, but these models have not been explored.

Now that Zhang Siwei has established this bank, the money is naturally not a problem. There are at least several million taels in the inner treasury. Although it may not be given to him, it is also a lot of money. And it is hard to say the credit.

Naturally, the emperor could not show up in public. Even this bank cannot have a little bit of connection with the royal family. If you want to win the trust of others, it will be troublesome. But now it is different. Since the Ministry of Revenue can leave this bank for all the funds, everyone will know that the background of this bank must be very deep.

It can be said that credit will gain a foothold at once, let alone, it may not be impossible to use money if you pass it. Naturally, the more money the bank is, the better.

Zhou Mengchen immediately gave the Ministry of Revenue to what kind of business can be handed over to the bank and what kind of business can not be handed over to the bank. In Zhou Mengchen's opinion, if the bank has interest, the Ministry of Revenue Taicang silver cannot be transferred to the bank's bank treasury.

Fang Du was very interested in listening.

Later, Zhang Siwei had to listen, but Zhou Mengchen and Fang Dun were talking.

One was in charge of the Ming Dynasty's finance for several years and knew everything about the Ming Dynasty's finance. The other was clearly aware of the future status of banks in the national financial system. After discussing the two, they naturally came up with many wonderful things, how to improve efficiency and make the Ministry of Revenue's utilization rate higher.

Fang Dun sighed at the end and said, "I thought it very well, but unfortunately I can't see it. Whether I can see it depends on you."

Zhou Mengchen naturally understood Fang Du’s meaning.

According to the two of them, it was a major operation on the Ministry of Revenue. It was almost equivalent to being demolished and rebuilt.

However, although Fang Dun controls the financial power, he still has to follow Jiajing's fiscal policy what he wants to do. What is Jiajing's fiscal policy? Jiajing obviously maintains the policy. As long as the Ming Dynasty can move forward, there is no shortage of various expenses, it is enough. As for the large amount of surplus on the books, it is not something that Jiajing is interested in.

If Jiajing did not change this idea for a day, what could Fang Dun do even if he was the Minister of Revenue?

Zhou Mengchen talked to Zhang Siwei again about the bank, so he sent Zhang Siwei away and asked him to go to the palace gate to ask for a meeting tomorrow. Then he asked Fang Dun and said, "Uncle Fang, how about you looking at Zhang Siwei?"

Fang Dun said: "Yang Bo has cultivated a rising star, naturally, it is good. It is useful. It seems that you don't have to worry too much about this time. It's just---"

Zhou Mengchen said: "It's just what?"

Fang Dun said, "It's just that I think he and you are not the same person."

Zhou Mengchen smiled slightly after hearing this, and he could actually feel it. It was not just Zhang Siwei alone, but as his status grew higher and higher, he needed more and more people, and he could no longer guarantee the purity of the thoughts of the people below.

He even understood how Xu Jie felt about him. Xu Jie didn't know that Zhou Mengchen actually had a big political disagreement with him, and he was not a member of the same place. But he still needs to use it.

After all, there is no guarantee now, so there is no need to talk about the future.

Although Zhou Mengchen and Yang Bo joined forces, the interests of the two overlapped, but there were also contradictions. Today, Zhou Mengchen wanted to vigorously promote industry and did not mind sharing some benefits for others, but in the future, there may not be new demands due to the transformation of form.

But Zhou Mengchen's current approach is the same as Xu Jie. No matter what happens in the future, he can use it for me now. Let's talk about future things in the future.

Zhou Mengchen said: "At least we are on the same road now."

Fang Dun laughed and said, "Just understand."

On the second day, the biggest news was that an unknown junior named Zhang Siwei actually met His Majesty and talked for an entire time. Then Zhang Siwei was transferred to the Ministry of Revenue and set up a new yamen called the Bank Treasury Department.

For a moment, everyone was talking about who Zhang Siwei was, and on the other hand, they were talking about what the bank's Treasury Debt Department was in charge.

At the same time, such news also reached Yan Shifan's ears.

Yan Shifan's channels are much more versatile than ordinary peddlers. Basically, the bank regulations, railway regulations, and even some of the words Zhou Mengchen and Jiajing said were all in the hands of Yan Shifan.

After Yan Shifan saw it, he was restless. After a while, he calmed down and asked the people outside, saying, "Is the old man back?"

Yan Song was on duty in Xiyuan all year round, and even spent more time in Xiyuan than at home. Before, Yan Shifan walked in the palace and saw his father one-sidedly, but last time, Yan Shifan did too much because of the Beijing investigation, which made Yan Song angry and stopped let Yan Shifan enter the palace.

Yan Shifan wanted to see Yan Song, so he could only wait at home and wait for Yan Song to return home.

"Let me report to you, the master has just left the palace and is almost home." said a servant.

Yan Shifan suddenly stood up, shook his clothes, and walked out strode, obviously going to pick up Yan Song.
Chapter completed!