Chapter 1132: Four Big Banks
As soon as Zhang Yu said it, several people suddenly felt strange.
No matter what Zhang Yu said, there was no need to lie, not to mention that Zhang Yu was not stupid, and he would not rob people like this.
Zhang Yu learned about Dian Wei's riot in the brothel last night from several people.
"This idiot, idiot."
Zhang Yu scolded Dian Wei a few words, but he didn't seem to know what to say other than scolding him for being an idiot.
"Oh, I made a mistake. I shouldn't have let Dian Wei, a fool, ask for someone."
Zhang Yu was also speechless, so he asked him to redeem people, how could such a thing happen.
After figuring it out, Zhang Yu said to several cabinet members: "Yesterday, I made a private visit on Weifu and found some important news, and this Yunshang contributed a lot. He told me some secret things. If the news spreads, I will definitely He will be retaliated against, so I ordered Dian Wei to redeem him and protect him."
"This Yunshang adores the hero who commands thousands of troops. I promise her that I will introduce General Zilong to him. Who knows that this idiot Dianwei would do this."
Zhang Yu was also very helpless, but Dian Wei did everything he could.
Zhang Yu called Dian Wei, and then cursed: "I asked you to redeem people, why did you make a fool of yourself?"
Dian Wei chuckled, and then said: "Aren't you afraid that His Majesty will wait in a hurry?"
"No, my lord was in a hurry last night, so I went to find Concubine Zhen first."
Dian Wei made sense, this idiot didn't understand at all.
Zhang Yu was so angry that he wanted to kick him twice.
"Go and invite Miss Yunshang."
After thinking about it, Zhang Yu asked others to invite him.
While waiting, several cabinet ministers talked about Dian Wei, which frightened Dian Wei.
Dian Wei was not afraid of Zhang Yu's beating and scolding, nor was he afraid of Zhang Yu's punishment, but he couldn't bear to let him listen to a few gentlemen talking.
Moreover, although Dian Wei was a bit stupid, he also knew that these members of the cabinet could not be offended.
When Yunshang arrives, Dian Wei can be freed.
"Miss Yunshang, you have made great contributions to the country. You asked Dian Wei to redeem someone last night. I didn't expect his stupid bastard to make the city full of storms."
"I'm not a person with no faith, nor a person who is lustful. The girl who hurt me was frightened."
Yun Chang was also really taken aback, she never thought that the person who went to find her last night was the Emperor Datang.
No wonder Zhang Yu said his national name.
"The little girl dare not."
How could Yun Shang dare to say anything more at this time, Zhang Yu was the emperor of the Tang Dynasty.
Zhang Yu glared at Dian Wei, and then said: "Come on, you idiot, it seems that I need to find a personal guard commander."
Dian Wei smirked, Zhang Yu scolded him, of course he was scared, but Zhang Yu just said that he was looking for another one, not replacing him.
"I ordered you to send Miss Yunshang to Zilong. If Zilong likes Miss Yunshang, I will marry them. If the two are not suitable, I will take care of it to the end. This Yunshang has made great contributions to the country, so don't neglect it." " Zhang Yu said to Dian Wei.
At this time, Dian Wei already understood that Zhang Yu didn't fall in love with Yunshang last night, but wanted to be her matchmaker, and felt very embarrassed.
"My lord, let others escort me. I have to protect my lord." Dian Wei pleaded.
"Dog thing, get out of the way and get ready." Zhang Yu said again.
Seeing that Zhang Yu was angry, Dian Wei didn't dare to say anything, and obediently went to prepare.
Zhang Yu somewhat forced Zhao Yun to ask Dianwei to send Yunshang over on purpose, and said that she had made meritorious service to the country, how dare Zhao Yun refuse to accept it.
Things have become like this, Zhang Yu has nothing to do, he could take his time, but now, how can he take his time.
After dealing with Yunshang's matter, Zhang Yu closed the door of the cabinet and held a meeting inside.
"I have drafted some rules for the bank. Let's discuss them and implement them as soon as possible after they are detailed."
Several people heard that someone borrowed money from the bank, and then turned to lend to others at high interest rates.
Now the economy is booming, and there are many blank fields for them to invest in, so basically they will not lose money.
But it will be different in the future. If many businessmen follow suit, there will definitely be problems when the scale becomes larger.
Several people thought it was a big deal.
But Zhang Yu didn't want to use harsh laws to punish him.
Of course, they must be fined.
The larger the amount, the greater the fine.
"Your Majesty, businessmen seek profit. If we fine them according to the amount, they may face great risks, and many people will not dare to take risks."
Several cabinets felt that Zhang Yu's method was good.
Zhang Yu's minimum fine was twice the amount they borrowed from the bank.
"Okay, the cabinet will specifically promote this matter. This matter is related to the country, so don't be careless."
From this matter, Zhang Yu decided that a central bank system must be established.
If a corresponding system is not established, the risk of other problems occurring next time will be even greater.
"Our bank notes have been widely used, so we will build several treasuries to hoard cash in them to deal with risks. In the future, we can open several banks with different functions to perform different things..."
Zhang Yu told the central bank and commercial banks of later generations for reference by the cabinet.
Zhang Yu mainly established Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of Communications.
As for the Construction Bank, Zhang Yu has not established it for the time being, because the biggest construction in the empire is road construction, and road construction is a more important thing at the moment, so there is no need to establish a Construction Bank.
Of course, China Construction Bank is also needed, and its functions are first shared by several banks.
Today's major projects, whether it is road construction or canal and dam construction, can be within the scope of the Agricultural Bank of China.
Zhang Yu said it again, and several cabinets agreed.
Gu Yong said: "My lord, the bank needs a lot of professional talents, and we can't train so many talents in a short period of time."
This is true, but it can be resolved.
"First separate some people from the bank, then establish the head office in the capital first, and then establish branches in various states. As for the branches in various places, then take your time."
The shelf is built first, and then slowly cultivates talents and expands step by step.
It is beneficial to establish a professional bank and let them study various fields and focus on related fields. The key is to have competition.
The cabinet is working on detailed rules.
Of course, with Zhang Yu's imperial decree, the major banks will check their accounts soon, and those who dare to use money to lend usury will be miserable.
Zhang Yu doesn't know how to kill people, but only fines them. The heavy fines have caused them a lot of losses. With a role model, let's see who dares to dig into the corner of the empire.
It took Zhang Yu and the cabinet ten days to formulate various detailed rules, and at the same time set up the shelves of the three banks.
The original money bank was directly changed to Industrial and Commercial Bank of China.
ICBC stopped expanding immediately, allowing the other two banks to grow first.
During these ten days, several people were fined in the capital, and millions of silver coins were fined.
When the news spread, the merchants immediately became more honest. Whoever dared to think wrongly would spit out all the money they earned and pay a large sum of money if they were found out. This made them dare not mess around, even other illegal dare not do anything.
Since then, the empire has added four major banks, the central bank and the three major commercial banks.
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