Daming: Brother, there is no future for monks, let's rebel

Chapter 419 Fearless in order to make money
Zhu Han's eyes flickered when he heard that Zhang Fengnian stood up and advised those businessmen not to fight against the government.

"This Zhang Fengnian is not bad."

At that time, Zhu Han didn't really want to help Zhang Fengnian.

The most important purpose is actually to promote the patent policy.

It can be said that the two sides are also mutually beneficial.

Unexpectedly, Zhang Fengnian would dare to stand up in this situation.

The people in Jufeng Building at that time were all quite powerful figures.Behind them, even if they are not high-ranking officials in the officialdom of Yanjing, they are inextricably linked with those people.

If things go wrong, the fortune that Zhang Fengnian accumulated before may be destroyed in an instant.

After all, if he didn't know what they said in the elegant room of Jufeng Building, it would be impossible for Zhu Han to take the initiative to help a businessman whom he met by chance.

"He is a material that can be made, and he knows how to be grateful, and he is more reliable..."

Zhu Han tapped on the desk in the study for a while with one hand, and ordered: "Call Shen Jin over here."

Afterwards, without waiting for anyone to agree, he signaled the Jin Yiwei to continue.

"My lord, Shen Wansan and the others arrived later..." Jin Yiwei told Zhu Han what happened after Shen Wansan arrived in Jufeng Tower.

"Hmph, you think you're smart." Zhu Han sneered disdainfully, but didn't say anything more.

"It's none of your business here, go down. Remember to let our people keep an eye on those merchants. As long as they don't do too much and cause death or something, don't worry about them."

The people from Jinyiwei had just left, and Liu Shenhong, who hadn't said anything, said a little angrily, "My lord, these businessmen are too ignorant. If you hadn't given them a chance, they would have made so much money in Yanjing City."

"But these guys not only don't know how to be grateful, they even want to leave at this critical moment, leaving us a mess. Don't these guys have anything else in their eyes except money?"

Zhu Han smiled slightly, and asked instead: "Do you really think they will leave at this time?"

Liu Shenhong was taken aback by the question: "Could it be, isn't it?"

"You..." Zhu Han smiled and shook his head: "I told you just now, don't underestimate these businessmen, have you forgotten so quickly?"

"You can doubt anything a businessman says, but the only thing you can't doubt is their IQ when they make money."

Pointing to his own head, Zhu Han pulled the corners of his mouth and said with a smile: "The projects they contracted in Yanjing City all paid deposits. Not to mention, how much money and manpower they invested in these projects Physical power."

"Once you leave Yanjing, all these things will be in vain. If it were you, would you do such a loss-making business?"

Liu Shenhong nodded subconsciously, and then shook his head again: "Aren't they panicked because of Miao Lifu's incident? Maybe to save their lives..."

"Fate?" A sneer appeared on Zhu Han's face.

"For example, Hu Shafeng, this guy has been in the fur business for more than 20 years, and he runs from Liaodong to Guannei once a year."

"Now Liaodong has long been our Ming Dynasty's world, and we can also take the Liaodong Railway to and fro."

"But what was the situation in the past few years? There are many bandits and bandits. I don't know how many bandits I will encounter during this trip."

"Let's talk about that Fang Jingsheng, he is a businessman in Sichuan and Sichuan. The road to Sichuan is difficult, and it is difficult to go to the blue sky. I don't know how many people die on the road every year. In troubled times, running these business roads is even more dangerous."

"and also……"

Zhu Han continued to tell the origins of four or five people's names.

"These businessmen don't care about such a dangerous business path, and they ran down one after another. Do you really think they will be afraid of death?"

"This..." Liu Shenhong was at a loss for words for a moment.

Why, after listening to his prince, he admired these guys who got into the eyes of money.

In order to make money, these guys are really fearless.

"They're not even afraid of such a dangerous business route. Now it's just that a businessman has been killed, so what's there to be afraid of?"

"Now you understand why these guys are so excited, even risking their lives against the court, right?"

Liu Shenhong nodded half-understood: "Ming...understood."

Judging by his appearance, he must have not fully understood.

Same as last time, Zhu Han didn't explain clearly.

There are some things that Liu Shenhong has to figure out by himself.Otherwise, he will never be able to stand alone.

Half an hour later, Shen Jin trotted to Zhu Han's study: "I have seen the prince."

"How's the recent preparations for Daming Bank?" Zhu Han asked directly.

Let Shen Jin take care of this matter, and Zhu Han is basically a hands-off shopkeeper.It took only ten days and a half a month to ask Shen Jin to come and report the situation.

It seems that he didn't take this matter very seriously, but Zhu Han has never relaxed his supervision of Daming Bank.

After all, except for him, no one in this world can imagine what effect the Daming Bank has on the entire Daming.

Of course, if the operation is not good, Daming Bank will also become a sharp knife to destroy Daming.

Even if Zhu Han wished that Daming Bank would open all over the world overnight, he had to calm down and let Shen Jin do it step by step.

First, in each state capital, the head office of Daming Bank was established, and then spread to various places with the head office as the center.

"Returning to your lord, at present we have 170 prefectures in the Daming Huaxia region, and we have successfully established 150 and eight state-capital head offices of the Daming Bank, covering almost the entire Daming Huaxia mainland."

When talking about these, a look of pride flashed in Shen Jin's eyes.

The establishment of these Daming Banks was all his painstaking efforts.This achievement, he thinks, is no less than his father Shen Wansan.

"Very good!" Zhu Han was actually not particularly satisfied with the result.He has invested a lot of money and the full support of the court.

Compared with the establishment of the Daming Bank, the amount of silver needed to build the entire Yanjing is nothing.

According to Zhu Han's plan, by this time, it should have covered the mainland of China and began to expand to other territories of Ming Dynasty.

It's just that Shen Jin can't be blamed for this matter.One of the most important reasons for slowing down the progress is still limited by the times, and there is a serious shortage of suitable talents.

Even though Zhu Han had already reformed education.

But there are still very few financial talents who can really afford a state bank.

Even Shen Jin, in fact, has no specific concept of what the real Daming Bank should look like.

Although the shelf of Daming Bank has been set up now, the overall operating model is not much different from the previous bank.

"This is what a villain should do." Even though it was just a good sentence, Shen Jin felt like rain.

"For the establishment of head offices in other regions, you should work harder and strive to have Daming Bank open in all the state capitals of Daming before the end of the year."

Shen Jin's voice was like a bell: "The villain must do his best to not let the prince down!"

Although his ability is good, compared with his father Shen Wansan, there is still a certain gap.

The reason why he is competent is, more importantly, because he was born in a merchant family and knows all kinds of business operations.

And what Zhu Han valued most about Shen Jin was not his ability, but Shen Jin's sense of propriety.

The establishment of the Daming Bank involves countless amounts of money. Even if you don't do anything in it, you can get countless benefits for yourself.

However, Shen Jin never did anything out of line.

Not only that, after Zhu Han entrusted him with the establishment of Daming Bank.

Apart from Xiu Mu's return home, Shen Jin never had any contact with Shen Wansan.

This time when Shen Jin came to Yanjing, Shen Wansan didn't even know about it.

It was also because of Shen Jin's prudence that Zhu Han could rest assured that he would entrust such an important task to him.

If Shen Jin behaved a little frivolously, he would have been replaced long ago.

If the wrong person is chosen for this position, the consequences will be too serious.

Shen Wansan and his son never disappointed Zhu Han.

"This king called you here because there is one thing I want you to do."

"My lord please show me." Shen Jin hastily listened attentively.

"Do you know Zhang Fengnian?"

If Shen Jin didn't know about this person, then he would have come to Yanjing City for nothing.

In the three-acre land in Yanjing alone, Zhang Fengnian's reputation has already approached that of Shen Wansan.

"In a while, you send someone to lend Zhang Fengnian a sum of money..." After thinking for a while, Zhu Han continued: "Let's temporarily order 100 million taels of silver."

"What?" Shen Jin looked up in astonishment, a little suspicious that His Royal Highness was joking with him?

The purpose of calling him here today is to give Zhang Fengnian a loan?

He admitted that Zhang Fengnian was indeed an excellent businessman.

50 taels, for ordinary people, may be a huge sum of money that has never been seen in several lifetimes.

With this amount of money, you can even set up a good business name.

But to Shen Jin, this little money is really nothing.As the son of Shen Wansan, the richest man in Ming Dynasty, Shen Jin's family is many times richer than Zhang Fengnian.

Not to mention, recently in order to form the Daming Bank.The silver in and out of Shen Jin's hands is basically millions of taels.

But what's going on now, His Royal Highness actually asked him to give Zhang Fengnian a loan.

Moreover, a quota of more than 100 million taels was approved at once.

Although he doesn't need to do it himself, he just needs to send someone casually.

But His Royal Highness specifically mentioned it, so he definitely wanted him to keep an eye on it.

"What's the problem?" Zhu Han asked.

"My lord, our Daming Bank took the initiative to give loans to others, isn't that a little..." Shen Jin wanted to ask if it was a little too cheap, but he didn't dare to say it directly.

He is a typical money bank thinking. Instead of interest, other people save money, but there are handling fees.

Although they also lend money, they are quite cautious in this regard. They are basically real estate or real estate mortgages, and the interest is quite high.

Zhu Han's attitude towards Shen Jin was completely different from Liu Shenhong's.

If Liu Shenhong had any problems, Zhu Han basically let him think for himself.

But if Shen Jin has any questions, Zhu Han will definitely explain everything to him in detail until Shen Jin fully understands it.

The reason why they are treated differently is that Zhu Han has different requirements for them.

For Liu Shenhong, Zhu Han hopes to train him into an administrative talent. Such a person must have his own ideas and political opinions.

If everyone listened to him, wouldn't the Ming court only have one voice left?

When Zhu Yuanzhang was around, with their brothers' feelings, naturally there would be no problems.

Zhu Biao also doesn't have any thoughts about him, but what about the next generation, after he dies?

Zhu Han didn't think about these things before, but now he has to think about them.

As for Daming Bank, which Shen Jin is in charge of, as long as it can go smoothly, the establishment of this system will be a great achievement.

There is no need for him to have his own unique ideas, at least not now.What I am most afraid of is that he is independent and smart.

"Although I told you something about the bank before, I didn't explain it too thoroughly. The reason for this is that you know too much, and you will be at a loss when you do things."

"Today, this king will tell you about one of the main income of the bank, loans."

Shen Jin opened his mouth as if he wanted to say something, but finally swallowed the words back.

Naturally, his reaction couldn't be hidden from Zhu Han's eyes.

"This king knows, you want to tell this king, you know all these things. In order to form Daming Bank, you have dealt with those banks a lot."

Shen Jin nodded in embarrassment, then shook his head again: "My lord, that's not all the meaning of the villain."

"Mortgage loans are basically done by local wealthy households or temples and Taoist temples."

"If we do the same, it will definitely affect the interests of those people if it is promoted in the entire China region of Daming."

"One family or two is nothing, but if we are enemies of rich temples all over the world, even if you are not afraid of them, my lord, the cost we pay will be quite high, and we will not get enough returns at all."

"Tsk tsk tsk, if you think that way, you are very wrong." Zhu Han smiled and pointed at Yaoyao: "This is one of the most fundamental differences between our Daming Bank and those previous banks."

"In the past, the bank always lent money to people with equivalent mortgages. The other party mortgaged things to the bank, and the bank then gave the money to the borrower, right?"

Shen Jin nodded at first, and then his face changed: "My lord, don't you want to say that you can take a loan from us without collateral?"

"It's absolutely impossible, my lord! There are too many variables in this case. If we really do this, our Daming Bank will go bankrupt in a short time!"

Seeing that this guy was really in a hurry, Zhu Han stopped teasing Shen Jin: "I'm not a fool, how could I do this?"

"The mortgage still needs to be mortgaged, but who told you that this money can only be borrowed once, as long as you borrow a few more people, won't all problems be solved?"

Shen Jin began to be puzzled again, why he could understand every word of the prince's words.

But together, he couldn't understand it at all.

According to the literal meaning, if he understands correctly... the prince means that the same money can be lent to two or even three people?

This joke is a bit big, right?

(End of this chapter)