After Zhu Youxiao inspected the Liuli Store, he continued to stroll on the street. As he walked, Zhu Youxiao unknowingly walked to Nancheng.

"Young Master, the most lively market is in the west of the city, which is where the poor live." Tian Ergeng said to Zhu Youxiao.

"Look at it too!" Zhu Youxiao didn't care at all. These prosperous scenes had been seen a lot in the 21st century. What he cared more about was the lives of ordinary people.

At this time, Zhu Youxiao saw a homeless man who was starved to death on the street, and couldn't help but sigh and asked Tian Ergeng: "Are there many people who were starved to death this winter?"

"Your Majesty, there are not many people who starve to death in the capital. There are porridge sheds at each gate, and they probably have been frozen to death." Tian Ergeng replied.

Zhu Youxiao only felt powerless when he looked at it. The tax revenue of the Ming Dynasty was too low, so the court did not have much money to do something that would benefit the people.

Walking in the slums south of the city, Zhu Youxiao saw many ragged people.

"These are all refugees who went to Beijing to beg for money." Seeing that the emperor was paying special attention to these refugees, Tian Ergeng immediately explained.

"Are there many refugees in the north now?" Zhu Youxiao asked, and Tian Ergeng nodded. "There are some disasters in northern provinces every year. Farmers cannot afford to pay rent, so there are more people who abandon wasteland. In addition, the population is growing, and everyone has less and less land. As long as they encounter disasters, they will basically escape from wasteland."

In the Wanli period, people lived a good life and were very normal for large populations to reproduce. However, after the land was diluted, individuals' ability to resist disasters became weaker.

As we walked, we came to Chongwenmen again, which was a very lively scene. Because this was the only passage to the canal into the city, merchants from north to south went to the capital to sell goods, and many of them went to Chongwenmen into the city.

"You said, if you set up a checkpoint here to collect commercial tax, wouldn't it be a daily gold-fight?" Zhu Youxiao's eyes suddenly shone. Tian Ergeng said: "When Emperor Shenzong was still alive, Chongwenmen could collect commercial tax of 150,000 taels every year, ranking first among all sects."

"So much?" Zhu Youxiao was stunned. This temptation was a bit unstoppable!

"The main reason is that the merchants have to pay 30% of the fee, so the merchants complained." Tian Ergeng said, and Zhu Youxiao smiled. This is inevitable.

Although the income from collecting tolls at Chongwenmen is very attractive, unfortunately, Zhu Youxiao is still keeping his own time at this time, so this matter cannot be too urgent.

Take your time!

If you train the four guards of Tengxiang first, you can confront the Donglin Party. Once he and the Donglin Party break up, they must first consider the outcome.

The Donglin Party members may poison him to death in the palace. Even if they are not poisoned, they will definitely throw dirty water on him among the people. Most of the ridiculous rumors about Emperor Wanli are masterpieces of the Donglin Party. In history, Emperor Tianqi was also promoted by the Donglin Party to be a carpenter emperor, and they also lewd and messed with the wet nurse, and all kinds of foolish monarchs would be placed on their heads. Then, when encountering natural disasters, they would also put the blame on the emperor's head.

The imperial system in the 21st century has completely declined because the emperor is an open target. The higher the status, the greater the responsibility. Once there is any problem in the country, it will be inexplicably shot. Therefore, the rulers of later generations are basically invisible capitalists.

Zhu Youxiao is now the emperor. Capitalism was in its infancy in the late Ming Dynasty, and those merchants were his mortal enemies! Judging from the laws of historical development, once capitalism sprouts, it will try every means to gain dominance. The emperor is the first stone blocking the way in front of them.

The demise of the Ming Dynasty was entirely the result of these businessmen being crazy about poaching the country's crooked corners. As a result, the house was dug down and the capitalists in Jiangnan were also crushed to death.

Let’s find some money-making transactions for the time being! Tax collection is in two years.

But what is the most profitable business?

Zhu Youchao did not know much about the economy of this era, so he decided to take a look, so Zhu Youchao began to browse the bustling streets of Beijing.

Suddenly, Zhu Youxiao saw a Shanxi Piaohao on the street, and his eyes suddenly lit up.

"Pig head! I didn't expect that the most profitable bank is of course the bank!" Zhu Youxiao slapped his mind. Which industry in the world is the most profitable? Of course, it is the financial industry.

Finance requires banks. Banks can not only raise funds, but also lend, invest, and print money. It is definitely a super weapon.

You can raise funds if you don’t have money!

Thinking of this, Zhu Youxiao waved with excitement on his face and said, "Go back to the palace soon."

Zhu Youxiao returned to the palace and immediately asked the Dongchang to investigate the business of Shanxi Piaohao. While planning the feasibility of establishing a bank, Zhu Youxiao soon discovered that if he wanted to invest in various industries, he would inevitably need a bank.

As long as there is a bank, the bank can control and operate various industries. At the same time, the bank can also raise funds, and the pressure on investment will be reduced.

The difficulty of establishing a bank is also very small, and the core part of a bank is credit.

In the Ming Dynasty, the royal family should be trustworthy enough, right? With royal credit as a guarantee, and with deposits, you can get interest, it should be able to absorb a lot of idle private funds.

With funds, you can invest.

The Dongchang investigated outside for two days, gradually figured out the business of Shanxi Piaohao, and returned to the palace to report to the emperor. Zhu Youxiao took the business of Shanxi Piaohao recorded by the Dongchang and started reading.

Shanxi Piaohao is the largest Piaohao in the country. Naturally, these Shanxi Piaohao cannot be all one. There are more than a dozen Shanxi Piaohao in the Ming Dynasty.

The business of these Shanxi Piaohao mainly serves long-distance trafficking commercial activities. People can deposit money into Shanxi Piaohao, and then get silver notes, which can be taken out in another place. This avoids the embarrassing problem of carrying a large amount of silver.

Zhu Youxiao discovered that although these Shanxi Piaozi are just traditional money houses and their functions are not as mature as those of banks, it has formed a large enough network. In terms of large commercial deposits, it is obviously unrealistic to compete with these Shanxi Piaozizi.

Then to open a bank, you must first focus on the idle funds.

Zhu Youxiao suddenly thought of the deeds of Chen Guangfu, a famous modern banker. In modern traditional money making, coupled with the foreign banking Lin family, in such a strong competitive environment, Chen Guangfu pioneered the "one-yuan account opening" banking system, absorbing a large amount of private funds, making his bank continue to grow.

Opening a bank does not require too strong technological conditions. There were no electronic equipment in modern times, and banks could also be opened in Ming Dynasty.ps: Everyone can collect it and go for another wave! It would be even better if you can get some recommendation tickets.
Chapter completed!