Ming Dynasty: Cured The Emperor's Grandson At The Beginning, And Relied On Science And Engineer
Chapter 27 The Real Role Of Banks
However, the two men could no longer care about their own thoughts at this time.
But he heard Zhu Di speak again and asked: "Brother Huai'an, since you want to develop the study of physics.
Why not start with industry, but have to start with agriculture? "
"The development of scholars, merchants, workers, peasants and soldiers was in order."
Su Ran explained: “Agriculture is the foundation of everything. If it is not developed first,
Neither industry nor commerce will be too developed. "
The two men eavesdropping in the room frowned at the same time.
Um? This sounds fresh.
However, Zhu Yuanzhang and Zhu Biao focused on developing agriculture.
It's all considered from a Machiavellian perspective.
After all, farming civilization is the most stable, and farmers are the least fussy.
It is of great benefit to the stability of the country.
The two of them have never thought about how they would view it from Su Ran's perspective.
"Among all the merchants, workers, peasants and soldiers of the Great Ming Dynasty, farmers are the largest base."
Su Ran explained: “It also contains the greatest market potential.
Only by making farmers rich first will they have extra money and grain to buy industrial products.
When farmers have shopping needs, they also need businesses to provide channels and platforms.
This directly stimulated the development and growth of industry and commerce.
Why are handicrafts and commerce so developed in Jiangnan?
It is because of the mild climate and abundant products in the south of the Yangtze River that industry and commerce developed.
Without this premise, it is simply impossible. "
These words suddenly made the two men next door suddenly feel confused!
Although they also know that agriculture is the foundation of the country.
But this is the first time someone has explained it in such a concise and easy-to-understand way.
Isn't this the same as the Spring and Autumn Period and the Warring States Period, when iron tools were used to cultivate cattle?
It seems that this kid is quite talented.
Zhu Yuanzhang couldn't help but feel excited.
Because of this conversation.
He felt that he had vaguely touched the source of controlling the world!
As long as this root cause is completely grasped.
It will be a piece of cake to coordinate the world and control the four peoples!
"No wonder."
Zhu Di bit the reed stick and sucked the sour plum soup and said, "The people in your village are so rich. Hey, I see you have opened a private bank, right?"
"Yes." Su Ran nodded and said: "The main role of the bank now is,
Just to save money for them,
When it gets bigger in the future, I will lend it out. "
"I'll go!" Zhu Di was so surprised that he even bit the reed pole: "How can you make a fortune like a loan shark like you?
Damn it, I despise you! "
Zhu Yuanzhang and Zhu Biao in the room heard that Su Ran was preparing to lend money.
His face immediately darkened involuntarily.
"If Su Ran dares to make this kind of money, this person really can't be kept."
Zhu Yuanzhang said with a calm face.
"Father, during this time together, don't you know what Su Ran is like?"
Zhu Biao quickly said: "This person regards money as dung.
If you are really planning to lend money, you must have some ideas! "
Zhu Yuanzhang had a calm old face and continued to listen.
If only Su Ran could tell me why, that would be all if he really dared to promote such a policy that would harm the country and the people.
Hehe, we are going to take his human skin and hang it here.
Su Ran, who was chatting with Zhu Di, didn't realize that there was a butcher knife hanging above her head.
He just sneered and said: "Old Hong, do you think I lend money to make such desperate money?"
"Then what do you think?" Zhu Di asked puzzledly.
"Usury and loan sharking are exploiting the people."
Su Ran said: "And I lend money to help people get rid of poverty and become rich!"
"Oh? Helping people get rid of poverty and become rich? How do you mean this?"
Zhu Di immediately became interested, took a few big sips of sour plum soup and asked.
The father and son next door also breathed a sigh of relief.
The murderous intention that Lao Zhu had just gathered dissipated immediately.
But the curiosity that followed became more and more intense.
But Su Ran continued to explain: "First of all, the bank has set the interest rate at two cents per year."
"Two cents annual interest?"
Zhu Di asked in surprise: "So, how much money did you make from lending?"
"The scope of my lending is limited to the surrounding area."
Su Ran picked up the branch and gestured, and said: "The targets of lending are farmers, craftsmen, and small workshops.
Those who want to get rid of poverty and become rich quickly, but don’t have much capital.
Don’t they want to get rid of poverty and become rich?
Then we will lend them a sum of money to speed up the process! "
"Wonderful!" Zhu Di couldn't help but slapped her face.
Zhu Yuanzhang and Zhu Biao next door were even more curious.
Su Ran offered two cents of interest, which was considered a very charitable approach.
But where is his way to make money?
After all, Su Ran does not value money, but she will never let herself lose money.
It would be unreasonable to say that it is only two cents of interest.
But Su Ran continued: "In addition to the annual interest,
Because the things produced in my workshop are of high quality and cheap.
When they have money, they will come and buy my stuff!
In this way, the cycle repeats and both parties benefit. "
Zhu Yuanzhang and Zhu Biao, who were eavesdropping, suddenly realized.
It turns out that Su Ran’s secret to making money is here!
"liked!"
Zhu Di couldn't help but clasped his hands and praised the kindness: "This will be of great benefit to the country!
Brother Su is really a great talent, and you can use usury that harms the country and the people to benefit the country and the people. "
"That's right." Su Ran chuckled and said, "The bank lends money.
This is a policy that benefits the country and the people.
If you think about it, if this cycle continues, the country will have more and more wealthy households.
If there are more wealthy households in this dynasty, the more taxes your Majesty will collect!
If the Ming Dynasty could have five million middle-income families, why would Your Majesty worry about the Northern Expedition? "
Zhu Biao, who was sitting next door, felt his face twitch when he heard what a wealthy family of five million people said.
As for Zhu Yuanzhang, his old face is almost ferocious.
He gritted his teeth and said, "Don't talk about five million households.
Even if there are one million middle-income families, we won’t have to worry about the Northern Expedition! "
…
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