"Three points are destined, seven points depend on hard work and love to fight... you will win!"

The song "If you work hard, you will win" sounded over and over again outside the Wuying Palace in the Forbidden City in Nanjing. This was the song sung by the officers and soldiers of the Second Town of the Ming Army who were attending the celebration banquet.

This song, "You Will Win Only If You Work Hard", which has almost become the national anthem of the Ming Dynasty, is probably the truest portrayal of their current mood!

Because they fought hard and won, and got the fruits of victory - ten pounds of silver each!

The big reward of ten pounds of silver per person is just a general reward that everyone can share. Those officers and soldiers who have made great achievements can also get land, real estate, educational opportunities and official positions. This makes all the guards happy!

In addition, the Seventh Town who followed Zhu Heji and participated in the battle to regain Jiangnan and the naval officers and soldiers who participated in the battle will also receive a heavy reward!

Among them, because the officers and soldiers of the Seventh Town did not participate in the most intense battle to annihilate the Jiangnan camp, the general reward was five pounds of silver per person.

The general reward amount for naval officers and soldiers is three pounds of silver per person... Of course, the reward amount for those sailors who drive "assault boats" and launch rockets is also ten pounds of silver per person!

As for the four towns led by Prime Minister Zhuge, because they progressed slowly on the Anqing battlefield and the results were not great, the general reward was only five jins of silver per person - fighting not only involves "military luck", but also "financial luck"

"There is nothing you can do about poor military luck and poor financial luck.

However, Zhu Heji was still willing to reward the meritorious officials below!

Just these general rewards alone would cost several million taels!

The third grandson of Ren San was also worried that it would be inconvenient for his soldiers to carry ten kilograms of bank troops into battle, so he thoughtfully exchanged the silver ingots that were inconvenient to carry and easy to lose for them into registered deposits from the official bank account of the Dongyin Coin Factory.

certificate.

This kind of registered bank deposit certificate is made in duplicate, one is issued to the depositor, and the other is carefully kept by the guys from the Dongyin Coin Factory who came with the army. Moreover, the depositor can also use the one hundred and sixty taels

The "huge sum" of money will be remitted directly back home... The official bank account of Dongyin Coin Factory will also provide low-rate remittance services, which is really considerate.

In addition, if the depositor does not need to spend money temporarily, he can also deposit the silver in the Dongyin Coin Factory to earn interest - the annual interest rate is 5%, and one hundred and sixty taels can earn 8 taels of interest.

This is not a small amount of money. In the countryside of Guangdong, this amount of money is enough for a family of three or four to live frugally for a year.

By the way, this "bank deposit certificate" issued by the official bank account of Dongyin Coin Factory has become very popular in Guangdong today.

The official bank account of the Dongyin Coin Factory was opened when Zhu Heji entered Guangzhou. The first manager of the bank account was Zhu Heji's current minister Pang Siming and Bei Jiaxin's father, the Portuguese Bello. They also recruited

A group of Portuguese and mixed-race Portuguese who originally managed money for the church in Macau served as the bank's general office, co-organizer, and co-organizer, and they could barely support a modern government-run bank.

Later, this government bank merged the deposit and loan business of Dongyin Money Factory founded by Eunuch Pang, and also attracted a number of private investments, changing from a 100% government-run company to a government-private partnership - including Zhu Heji, Bello

, Da Bo Ling, Eunuch Pang, King Zhu Tian, ​​Military Advisor Zhuge, Su Yong, Zhao Zhongyi, Zheng Jing, Qiu Hui, Chen Yonghua, Chen Shangchuan and others, as well as the management and ordinary employees of the bank have all invested in private equity.

The proportion has also reached about 30%.

The Dongyin Coin Factory became a pure "central bank", only responsible for minting coins and supervising the banks and banks below.

The gold and silver that Zhu Heji seized in Macau and originally belonged to various churches and missionary societies were regarded as the capital of this modern bank.

After this official bank account was consolidated, the money from the Guangzhou imperial court, as well as the money from government-run factories such as the southeast and northwest inner factories, all went to it. The household department of the Guangzhou imperial court now has no bank account, and all the money is deposited in the official bank.

In the bank account. The salaries of officials, including Zhu Heji's own salary, are also distributed through the official bank account. There is no need to carry the money home, it is directly transferred to the joint account opened by him and Qiu Shuzhen in the official bank account.

Just fine.

Of course, the official bank that has absorbed a large amount of deposits will lend money to other parties. However, the official bank will not directly lend money to small and medium-sized businessmen. Its main loan targets are large industrial and commercial operators, banks and pawnshops in Guangdong and Fujian provinces...

...In a sense, this official bank also assumes some responsibilities of the central bank and is the so-called "bank of banks".

After nearly three years of development, Dongchang Guanyin Account now has a principal of 3 million taels, more than 13 million taels of deposits, and various loan balances exceeding 10 million taels.

.... It may not seem like much, but the role of this official bank in the path of capitalism in the new Ming Dynasty cannot be overemphasized!

Because this kind of modern bank account can amplify the base currency through repeated deposits, loans and various bills... In other words, it can create money out of thin air!

For example, the "bank certificates" that Zhu Heji now issues to officers and soldiers are, in a sense, a kind of created currency.

Every officer and soldier who gets a certificate of depositing one hundred and sixty taels of silver actually has one hundred and sixty taels. But as long as they don't take the money out of the bank account and hide it at home, then this one hundred and sixty taels will be lost.

The two cash coins will still be in the official bank account, and the official bank account can release the money.

However, this "releasing" does not mean moving the money out of the official bank's warehouse. Usually, it only needs to be transferred directly or given various bills... In this way, the money just rolls in the account.

Go away and get "more" much better.

And with the financial support provided by the official bank, Zhu Heji was able to launch this major expedition that cost tens of millions of taels... Of course, not all of these tens of millions of taels were spent from the government.

Zhu Heji's small court also saved a lot of money through bank loans in the past two years, and during the Northern Expedition, many "loyal people" donated military expenses to Zhu Heji's small court.

This chapter is not over yet, please click on the next page to continue reading! Zhu Heji’s soldiers with great military discipline did not sleep on the streets in vain!

After their "performance" was over, the money was brought to them by themselves... No one who can get along with big businessmen in troubled times is a fool, and no one is "guilty". If you don't want to take it readily,

After the money came out, Tiqi from Jinyiwei came to the door, so it was no longer a question of money.

So when they saw the discipline of the heavenly soldiers and the clear demons fleeing in the wind, they naturally knew who Jiangdong belonged to. Since they knew who owned Jiangdong and ruled the world, of course they had to repay the favor enthusiastically.

In order to "ransom Zhu Yuanzhang" this time, businessmen from the six provinces in the south of the Yangtze River donated a small amount of two million. When Zhu Heji attacked Zhejiang, the businessmen of Zhejiang also donated no less than two million.

And Zhu Heji's army also captured a lot during the march... Fan Chengmo alone contributed more than 20,000 taels of gold!

There was more than one corrupt official caught along the way, Fan Chengmo.

In addition, there is still a large amount of military rations stored in the Zhaobaoshan Camp and Zijinshan Camp in Ningbo - according to the original plan, these two camps must hold on for one to three years. So the rations stored in the two camps are added together.

Just a few hundred thousand stones!

With these seizures, the actual expenses that the Guangzhou court had to bear were not too much. Therefore, what the official bank account provided was actually a financing limit, and not much was actually spent.

But what Guanyinhao gained from this war was not only a little interest, but also the largest regional market in the world - Jiangdong Market!

In the main hall of Wuying Hall, dozens of banquet tables have been set up at this time, and those who are qualified to sit here and have wine, in addition to the senior officials who followed Zhu Heqi's Northern Expedition, are those who donated a lot to save Zhu Yuanzhang.

Jiangdong wealthy businessmen.

They are listening to the "National Anthem of the Ming Dynasty" that they don't understand at all, and drinking the rich "Maotai-flavor liquor". In front of each of them is a bank deposit certificate with an official bank account... This is of course not Zhu He
Chapter completed!