Zhao Peng and others lived in Qian Mansion for three days. For the past three days, they were busy with banquets and socializing every day. His spinning machine, loom and sewing machine became the fragrant buns in the eyes of gentry. Not only were the local gentry in Changshu competing for banquets to enter the money tree to attend the banquet at their own house, but even Suzhou magistrate Ding Yunyuan and Suzhou Admiral Weaving Supervisor came from Suzhou.

Suzhou Weaving Supervisor is one of the mining tax supervisors established in the 24th year of Wanli. The eunuch served as the admiral weaving. After the death of Emperor Wanli, under the resistance of the Donglin Party, the mining tax supervisor was gradually abolished one after another, but the Suzhou Weaving Supervisor was still retained, and it was a yamen for the royal family to supervise and purchase silk and satin. However, the power was not as great as that of the Wanli Dynasty. In the original time and space, after the fall of the Ming Dynasty, the Qing Dynasty was established, and the Suzhou Weaving Supervisor was changed to the Suzhou Weaving Agency, which was served by the emperor's confidants, and later changed to the Ministry of Internal Affairs to send officials to serve as. In this era, the eunuchs of the mining tax supervisors and the eunuchs of Jingdezhen official kilns were also retained.

A lean camel is bigger than a horse. As a yamen established by the royal supervisor to purchase tributes, its strength is naturally stronger than ordinary folk workshops. Zhao Peng coordinated with the gentry representative of the Suzhou prefect and the royal representative of the weaving supervisor.

"Dingfu Zun, after all, the amount of royal purchases is preferred, and it is not the time of the Wanli Dynasty. Since the Chongzhen Dynasty, the royal family has not competed for profit with the people. Now it is the Shaowu Dynasty. The new emperor acts on the principle of win-win between the royal family and the people. The royal family has money to make, and the gentry also has money to make. With the Zheng family, as long as they open overseas trade, they will have endless money to make. After all, private funds are limited and craftsmen are limited. The royal family can build larger ships and send troops to escort civilian maritime trade. In this way, the royal family and the people win, why not? Only with win-win can everyone earn more money than before." Zhao Peng to Ding Yunyuan.

The squire also agreed: "What the loyal and brave uncle said is very true, everyone can make money together."

Zhao Peng had discussed with Qian Qianyi before that to expand sea trade, he must get the support of the royal family. Similarly, the Zheng family also needs the support of the royal family. With the support of the royal family, larger ships can be built; with the support of the royal family, there can be a stronger navy and protect merchant ships from passing safely on the ocean.

Since there are many gold and silver overseas, it proves that money is endless. It is unrealistic for folk gentry to eat them all in one bite, not to mention that there are other countries in Thailand fighting alone, then why should we grab routes with the pirates from the pirates in Thailand and overseas colonies? Only when we join forces together can we earn more money.

The Donglin Party has double standards, but it is not pedantic. The reason why it stood at the moral high ground before attacking the royal family was because the royal business had damaged the interests of the Donglin Party. But now, the royal family wants to win-win with the gentry, and the royal family is willing to form a navy to protect the gentry's maritime trade. In this case, what reason does the Donglin Party have to say, "The royal family does not compete for profit with the people" and "The merchants are inferior, and the royal family loses the royal face"? Since the royal family is willing to contribute money and efforts to win with themselves, it is not a shame for the royal family to go to business.

Then Zhao Peng asked again: "Dare you guys, what is the interest rate for private lending?"

A veteran gentry replied: "If you say goodbye, the private lending rule is to pay 9 or 13 return. That is, to borrow ten taels of silver, but only nine taels of interest is calculated based on ten taels of interest, which lasts for three months, and when it expires, it will be exchanged for 13 taels of interest."

"You are in business and are in urgent need of money, but you have no money on hand. Who are you looking for to borrow it?" Zhao Peng continued to ask.

The old gentry replied: "If you engage in loans, there are gentry borrowing from each other, but the amount is not large; if you need a large amount of money, this kind of business is mostly done by the old and the westerners."

"You and those who are engaged in business will inevitably have a day when the bank turns are not effective. If you encounter an urgent matter, wouldn't you make money for the old Western Shanxi merchants for nothing? Since that's the case, why don't you build your own money house?" Zhao Peng asked again.

"But we have limited money in our hands. If we encounter a large loan, we will not be able to take it out." The old squire replied.

Zhao Peng smiled and said, "It's so easy to do. I will work with Your Majesty to build the Royal Silver Crown of the Ming Dynasty. The spare money you have in your hands can be deposited into the Royal Silver Crown of the Ming Dynasty. The Royal Silver Crown not only does not charge storage fees like those unscrupulous old people, but will pay interest. The Royal Silver Crown will be spread all over the Ming Dynasty. In the future, you will not need to carry heavy cash silver on you wherever you go. As long as you use the silver notes, you can exchange cash silver in various places. If you need to borrow, you can also borrow from the Royal Bank."

The old squire asked quickly: "What is the interest on depositing the Royal Bank? What is the interest on borrowing?"

"Drop interest in eight cents, that is, depositing 100 taels of silver on the Royal Silver Centre of the Ming Dynasty can receive eight cents of silver every month, and ten taels of silver can be collected for one year; the interest on the loan is one cent and two cents, borrowing 100 taels of silver is paid for one taels of silver every month." Zhao Peng replied.

This is the financial industry that Zhao Peng is preparing to promote. After the Royal Bank of the Ming Dynasty is opened, it will not only handle large-scale deposit loan business, but also launch small-scale banknote business.

When small silver notes were launched, the Ming Dynasty Royal Silver will change the currency unit to Yuan, mint coins and print banknotes. One tael of silver is one yuan, one qian is one cent, and ten copper plates are one cent. The original silver ingots, gold ingots, gold leaves and copper plates will be cancelled, but will be changed into gold coins, silver coins, copper coins and silver-copper mixed coins, as well as various banknotes.

Ding Yunyuan asked: "The interest difference between the entry and exit of the Royal Bank account is not large, so it won't be a loss, right?"

Zhao Peng smiled and said, "The Ming Dynasty Royal will take the lead in launching the royal silver model, so that the old Ximen's money shops in Shanxi cannot be opened! Those old Ximen are really not a thing. They provide Jiannu with food and provide food for the rioters on the other hand. It is really a crime! Our Ming Dynasty Royal will get the silver account, and the old Ximen's money shop will naturally go bankrupt! At that time, if you see that my royal silver account is profitable, you can also start the silver account and coexist with the royal silver account."

No one opposed the royal family's establishment of the Royal Silver Crown, which was beneficial to the industry and commerce in Jiangnan represented by the Donglin Party. The only ones who were unlucky would be Shanxi's merchants and northern gentry. But the life and death of Shanxi merchants and northern gentry, and the nothing happened to the Guandonglin Party?

Of course, the Donglin Party itself also wanted to imitate Zhao Peng's method to establish a bank account, but it was not known that the interest rate difference in entry and exit was so low, so whether the bank account could make money, so let the royal family try it first.

But these gentry can't see that far. Zhao Peng's Royal Silver Crown of the Ming Dynasty will face the whole world in the future. Once the Ming Dynasty Royal Silver Crown becomes bigger, in the era when banknotes and precious metal currencies are linked, banknotes can be promoted to countries around the world. When the time is ripe, it can be announced that the banknotes are decoupled from precious metal currencies. At that time, as long as the Ming Dynasty Royal Silver Crown is turned on, it can use paper to plunder wealth from people of all countries around the world!

Isn’t this the America that is disgusting to future generations? But since I have come to this era, I must make myself live the way I once disgusted.

What he wants to do is a great thing that will benefit the descendants of China for generations, so that China can have more space in the world. However, the primary condition for such a thing is that the Ming Dynasty can block the Qing Dynasty's attack.

Zhao Peng believes that as long as Li Zicheng can hold the Qing Dynasty as much as possible, with his scientific and technological knowledge that was hundreds of years ahead of this era, the Ming Dynasty could completely block the Qing army's pace of going south.
Chapter completed!