The Emperor of Red Mansions: Many Children, Many Blessings, Opening Draft

"Your Majesty, building a new city is very expensive!"

After Li Chenghan finished speaking, Lin Ruhai could not help but question it.

Nowadays, even if Da Wu is rich, it still has huge debts.

If a new city is built, Da Wu's financial pressure will be very, very great.

"Aren't the Japanese pirates and the Xiongnu about to be defeated?

According to the report from my Great Wu Navy, they have made a lot of war money from the Japanese pirates.

And a huge silver mine and several gold mines were discovered in the Japanese pirates' place. The mining history of this silver mine is a hundred years old.

This time, the East Factory has also arranged people to go there to mine and smelt.

According to the greedy nature of the Japanese pirates, they will definitely guard the money to the death.

Therefore, I think the silver obtained from the spoils of war from the Japanese pirates should be enough to build the new city.

Even if it is not enough, there are still the silver mines and gold mines of the Japanese pirates "063" to maintain."

"But having said that, I think the silver mines and gold mines in the Japanese pirates' place are Isn't it enough for my Great Wu to build highways all over the country?"

"Although my Great Wu will change to the new currency in the future, the value of gold and silver will not change!

Before the new currency is fully popularized, gold and silver, especially silver, are still the mainstream currency!

By the way, speaking of this, I suddenly thought of something!

If the new currency system collapses one day, the people will have to use the new currency to exchange gold from the bank.

At that time, the two major banks can also exchange silver for the people.

After all, the money in the hands of many people may not be able to be exchanged for gold at that time, so the Ministry of Revenue should record this first."

Li Chenghan smiled at Lin Ruhai's concerns, and then explained to Lin Ruhai without any pressure.

Listening to Li Chenghan's words, Lin Ruhai remembered the small but rich Japanese pirate.

Thinking of the Japanese pirates' large silver mines and several small gold mines, Lin Ruhai felt relieved.

When Lin Ruhai heard Li Chenghan say that the whole country should build highways, he frowned again.

"Your Majesty, our Great Wu wants to expand the new city of 100 miles and build highways all over the country.

Even if the little Japanese pirates are rich, I am afraid it will be difficult to support it!"

Lin Ruhai first saluted Li Chenghan with a court tablet, and then frowned and said.

"My initial estimate should be enough, but even if it is not enough, the court is getting richer and richer.

The finances will be able to support it at that time."

Li Chenghan thought about it and said to Lin Ruhai.

Listening to Li Chenghan's words, Lin Ruhai made a slight estimate in his mind.

I think it will take more than one or two years to build highways all over the country.

In the early stage, the Japanese pirates provided money for road construction, and in the later stage, he should be able to squeeze in various allocations.

With the war profits from the Xiongnu, this should be enough to build highways across the country.

Although the Great Wu did not massacre and exterminate the Xiongnu, the rich were the Xiongnu nobles!

The Great Wu destroyed the Xiongnu, let go of ordinary Xiongnu herdsmen, but did not say that they would let go of Xiongnu nobles.

In addition, all countries bowed to Da Wu, and Da Wu annexed Xi Qiang and was about to annex Xiongnu.

In this way, trade will only grow bigger and bigger in the future.

Because of the annexation of the two powerful enemies, Xi Qiang and Xiongnu, Da Wu will not only have fewer obstacles in trade in the future, but also have absolute say.

And all countries will only cooperate more and more in trade.

So he estimated that Da Wu's taxes would have to increase.

After thinking all this through, Lin Ruhai stopped talking.

"Your Majesty, what level of government offices should the two banks be?"

After Lin Ruhai had no opinion, the Minister of Personnel asked Li Chenghan.

"Both banks should be ranked as third-rank yamen, after all, the wealth they will manage will belong to the whole world.

So it is not acceptable for the yamen to be ranked low."

"Also, the Ministry of Revenue should urgently train accountants.

The more accountants trained, the better." (To read the novel, go to Faloo Novel Network!)

Li Chenghan thought about it and directly designated the two banks as third-rank yamen.

After hearing this, all the ministers had no objection.

Lin Ruhai also responded to the order.

But after responding, Lin Ruhai suddenly remembered a question.

"Your Majesty, my Great Wu wants to establish two banks. What if those private money houses want to follow suit and change their money houses into banks?"

Lin Ruhai asked Li Chenghan while holding a court tablet.

"This is a very good question! If a money house transforms into a bank, or if someone in the market wants to establish a bank.

It is necessary to pay a deposit of 100,000 taels and 5 million taels of silver to the two major banks, and 500,000 taels of gold as a reserve fund.

At the same time, private banks are not state-owned and must be jointly supervised by the two major banks, the Ministry of Revenue, and the East Factory..."

"If a private bank is not doing well, the East Factory, the Ministry of Revenue, and the two major banks must stop losses in time, seal up all assets of the private bank as soon as possible, and return the deposits and reserves to the people who have deposited in the bank.

If the amount is large, even if the loss is stopped in time, plus the deposit and reserve funds cannot be repaid, then Pursue the debtor.

In order to prevent malicious bankruptcy and absconding with the money, the three government offices should always pay attention to the bank's large-scale transfer of property and confiscate its property. ”

“Of course, if the bank does not want to operate due to poor management and clears all deposits, the court will allow it to close and return all deposits and reserves.

Similarly, if the bank is not doing well, it can ask the two major banks to use part of its reserves.

If the situation cannot be improved, the two major banks have the right to force it to close and start clearing accounts. Anyway, I have only one word. []

The interests of the people who deposit money must not be harmed. ”

“In addition, if the money house does not intend to change to a bank, thenAll banking affairs are not allowed.

Because if something goes wrong, the interests involved are too many for the people to bear the responsibility.

So those who want to do banking business but don't want to be bound by restrictions, don't have the financial resources or are reluctant to pay deposits and reserves to the court.

Those who dare not think about the consequences, or want to run away with the money, will be investigated strictly if the court finds one. ”

“The interests of the people cannot tolerate even a little bit of negligence.”

Li Chenghan, with a serious face, answered Lin Ruhai and set the conditions for the people to open banks, the responsibilities and penalties that the people should bear when opening banks.

After Lin Ruhai respectfully responded to Li Chenghan's arrears arrangement, he began to take notes seriously.

“When the two major banks are established, officials should be prepared in advance to be responsible for preparation and management, and implement the will of your majesty. ”

Su Zhi paused and spoke to Li Chenghan.

“The highest official position of the two banks is the third-rank “Silver Chief”, and Li Shouzhong, the Left Vice Minister of the Ministry of Revenue, was promoted to serve.

The third-rank is Silver Assistant, which means assisting the Silver Chief. ”

“In addition, the letter department responsible for borrowing is established, and the highest official is the fourth-rank “Loan Officer”, and the financial department responsible for deposit and withdrawal business is established, and the highest official is the “Financial Officer”. .