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Chapter 789 Bank Summary

The next day, the good news from Kimpu Town in North Korea finally arrived. This ancient transportation, across the sea, was really slow to reach the capital.

But even so, it can be regarded as taking advantage of the return of the Fujian Navy to send the good news back. Now that the sea is frozen, the victory of the Gaizhou Battle and the Jinzhou Battle cannot be transmitted back to the capital, and it is not as fast as the news brought by the tribes in eastern Mongolia. But the news they brought about the victory was a bit informal after all, and everything had to be based on the good news.

"A great victory at Jinpu Town in North Korea. More than 5,000 captives were killed. More than half of the Zhengbai Banner was lost. The flag owner fled in panic! Our Ming army suffered very little loss!"

"Our Ming army has captured countless grain and grass, as well as countless armor and weapons!"

"..."

The messenger who reported the victory sang the brief content of the victory message all the way and entered the city with great fanfare, making the Ming people who came from both sides of the victory couldn't help but celebrate.

Although the news had already spread in the capital city, the arrival of the victory messenger officially ignited the sea of ​​celebration. Many people had already set up firecrackers, lanterns and so on. As the messenger flew past, the sound of firecrackers started to crackle.

Although the weather was severely cold, many people in the Ming Dynasty went out at this time, with smiles on their faces. When acquaintances met, they held fists and celebrated each other. Especially those whose relatives had died in the hands of Jianlu before, were even more happy.

The lively noises spread to the post house and reached the ears of the eastern Mongolian tribes. They felt different emotions in their hearts: embarrassment, shame, dejection, envy, etc. It is really difficult to understand if you are not one of them.

After hearing this, Eqirtu and other western Mongolian envoys were mostly envious. They envy the victory of the Ming Dynasty, the prosperity of the capital, and the excitement of the capital...

The imperial court had been well prepared, and as soon as the victory news reached the court, there was immediate feedback and a large reward was given to the soldiers who participated in the war. In addition to promotions, physical rewards are mostly land. Of course, this land does not belong to the capital, but to Liaodong. The land on the left side of Jinzhou was rewarded with several times the value of the silver reward.

Of course, there is nothing that can be done about it. The court can only live a miserable life at this time, and there is no extra money to reward. If the reward was given by the land of Liaodong, the people would definitely feel that the court was cheating. But at this time, not only was there a great victory in Jinpu Town, but the news of the great victory in Gaizhou was also spread throughout the capital, and this was a great victory that could definitely be achieved.

Against this background, the people of the Ming Dynasty have regained their confidence in the imperial court's restoration of Liaodong. Naturally, these reward lands are not just flowers in the mirror! What's more, the imperial court rewarded a lot of land. If it were a peaceful time, it would be absolutely impossible to buy so much land with just the silver reward for this military exploit.

The sounds of celebration outside the Forbidden City are occasionally mixed with the sound of firecrackers. The New Year's Eve has not yet arrived, but there is already a strong New Year atmosphere.

At this time, in the Wenhua Hall in the Forbidden City, Cao Huachun, the eunuch in charge of the ceremony, and Wen Tiren, the chief minister of the cabinet, reported the year-end summary to Emperor Chongzhen.

In terms of military affairs, Emperor Chongzhen personally participated in every war, including prior information, formulation of combat plans, participation in the battle process, etc. Therefore, in this section, Wen Tiren's memorial only briefly mentioned it, and the focus was still on the domestic governance situation. Cao Huachun, on the other hand, just added to Wen Tiren's words if there were any omissions. Of course, even if you are just observing, you also have the intention of supervising.

"Your Majesty, all provincial branches of Daming Construction Bank are in operation this year, but the situation in each province is different. Within half a year, the deposits and loans in Jiangnan provinces are considered to be the most ideal. At present, the prospects are good. But other than that , there are very few people, businessmen, etc. who go to branches to borrow money. If it weren’t for the factory guards watching and His Majesty’s strict order, the money might have been taken away by the local government..."

Hearing Wen Tiren talk about this matter, Emperor Chongzhen remembered the memorial that Zhu Xieyuan had submitted to the west, in which he wanted to misappropriate money from the Ming Dynasty Construction Bank branch through administrative orders.

"...Weichen has made people carefully understand that there are many businesses in the south of the Yangtze River, and the people know how to make money, and can often find some profitable businesses. Therefore, for private high-interest loans, loans from Daming Construction Bank are the best option. Compared with those in Jiangnan, people in other places have very weak concepts in this regard. Even if they can borrow money from Daming Construction Bank, they don’t know how to make money from the money. Instead, they worry about those who don’t. There is a lot of interest to pay back, so there are very few borrowers..."

If it had been the early Ming Dynasty, the status of merchants was underground, let alone other places, and it would be impossible for banks to open in Jiangnan. Now in the late Ming Dynasty, doing business has become very common, at least in prosperous cities such as Jiangnan, so there is a foundation for banks to exist.

But even so, the overall situation of Daming Construction Bank is not as good as expected. It makes almost no money in a year, and shareholders don't even have the desire to pay dividends.

Emperor Chongzhen was not surprised by this, because in his generation, most Chinese people believed in the life tenet of "never owe money." If you have money, you can save it in the bank; if you don’t have money, you can tighten your belt and get by; borrow money to do business? The first thing that comes to mind is what to do if you lose money? Instead of analyzing the possibility of making money and what to do if you make money.

"...Therefore, in many provinces, local governments provide loans in accordance with bank rules. For example, in Shanxi and Shaanxi, most of them were loaned by the Naturalized Governor's Office for the construction of the Hetao area, the resettlement of the people, etc.... …”

According to the bank's rules, for a loan, even if it is the Governor's Mansion, the corresponding collateral must be provided. The collateral in the Hetao area is the specialties of the grassland, such as cattle and sheep. For the mainland, especially cattle, the more the better. With these mortgages, you don’t have to worry about paying back the money.

Emperor Chongzhen nodded, he knew all these things. Without his permission, it would not be possible to loan it out, such as Zhu Xieyuan's.

After Wen Tiren finished playing about the Ming Dynasty Construction Bank, he gave instructions: "Everything is difficult at the beginning. This is only the first year. All rules and regulations must continue to be adhered to. The bank principal in the coming year can be determined according to the provinces." We will make appropriate arrangements based on the summarized situation. Over time, people’s concepts will slowly change, and by then the role of banks will become greater and greater!”

Emperor Chongzhen set the tone, and Wen Tiren knew what to do in the coming year. Putting this matter aside, he reported to Emperor Chongzhen about the sea ban. This can be said to be the biggest policy measure implemented this year.

There will be another update tonight!

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