My Daming New Empire

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Just when the princes and sons from all walks of life came to Beijing together, hundreds of officials from the Ministry of Industry also began to go to various places to build bank outlets.

In today's era, although the land is privately owned, it occupies less than half of the country's land.In every county, there are large tracts of land and houses that belong to public housing.

However, these houses basically do not meet the basic requirements of the bank, which is solid.

Therefore, every bank branch needs to be rebuilt. The most basic requirement is to have a solid basement composed of stone, cement, and steel bars, which can store gold, silver and copper coins.

On the Xiamaqiao farm side, thousands of officials recruited by the household department and the internal supervisor were divided into 52 teams with 50 people in each team, and received new accounting methods and safety precautions.

There are nearly 600 people, the highest positions are the two servants of the Ministry of Finance, and the two eunuchs of the Banking Bureau. There are less than a hundred official officials. Including the main personnel launched in the young army.

As for the instructors, they were soldiers from the Jiazi Battalion of the Young Army. They had received at least four years of education in the Young Army. They were proficient in algorithms, the application of letters and symbols, and proficient in cryptography.

Everyone must not only accept the new accounting method, but also be proficient in passwords. In addition, they must also receive security awareness and prevention training.

It is also helpless to use Xungui's children as the heads of various outlets, because in this era, only the Xungui family has a big business, and they are not afraid of corruption and bribery.

As long as they dare to embezzle and accept bribes, they can make up for their losses by simply ransacking their homes.

Secondly, it is also because these literati look down on being a "treasurer" of a bank. They originally wanted to recruit some scholars or candidates, but very few people signed up.

Of the more than 100 applicants, most of them are over 30 years old, and they belong to people who have almost no way out in the scientific examination.

In a short time, even Zhu Zhanji couldn't change their thinking.

Ordinary people do not know a single character, so it is impossible for them to be qualified for the job of a bank.

The operating outlets across the country are basically two outlets in each state capital, and one outlet in each larger county.Then there are eight outlets in the capital, and the customs and port basically guarantee the layout of one outlet each.

In addition, there are outlets in Jiaozhi, Nuergandusi, Beimingshan, Dongying, Sumatra, and Luzon controlled by Ming Dynasty.

Throughout Daming, each bank is equivalent to opening 1000 or 310 outlets at one time.There are slightly more commercial bank outlets belonging to the internal supervisory department, with 1000, [-] outlets, while the number of banking outlets belonging to the Ministry of Accounting is slightly less, with only [-], [-] outlets.

The difference in these outlets is the outlets opened by commercial banks overseas, but the Ministry of Accounting has not yet extended its tentacles overseas.

Because the internal supervisor took the lead, many of the honored children were still unwilling to work in commercial banks.Zhu Zhanji had no choice but to promise that if he went to work in a commercial bank, he would give priority to his family's commercial trade and loans.This time, there were enough people who signed up.

In fact, if the issue of reputation is not considered, it will be more difficult to work in the development bank because of the shortage of manpower.Commercial banks are a little more relaxed because of the abundance of internal supervisors.

Many internal supervisors are not qualified for the job of "treasurer" just because they are illiterate, but they are used to discuss business and supervise, and there is no problem.

In addition to the two banks, Zhu Zhanji plans to build [-] treasuries across the country based on the current population distribution and deployment of troops in Ming Dynasty.

The role of these twenty treasuries is to regulate the circulation of gold and silver between various local outlets. The chief person in charge is Chen Xuan, who has been the chief military officer of the water transport since the first year of Yongle.

Chen Xuan participated in the war to pacify the Southwest in his early years, and served successively as Tongzhi, the commander of the right guard in Chengdu, Tongzhi, the commander of the Xingdu Sidu in Sichuan, and the governor of the right army's governor's office.

During the battle of Jingnan, he led the navy to join Chengzu of the Ming Dynasty, and was awarded the titles of Fengtian Yiwei Xuanli Wuchen and Pingjiangbo.

Since the first year of Yongle, he has served as the chief military officer of water transportation, and later also took charge of local affairs in Huai'an.He has supervised water transportation for 14 years, reformed the water transportation system, and repaired the Beijing-Hangzhou Canal, making outstanding achievements.

At the beginning, he was a little reluctant to be appointed as the governor of the Daming Bank.Because in Huai'an, he is the governor of one side.

If it weren't for the fact that water transportation is gradually being ignored, and the navy is directly under Zhu Zhanji's jurisdiction, it would be difficult for Zhu Zhanji to make him obedient.

Starting from getting the "Magellan"'s voyage diary, Ming learned certain rules of typhoons, and was able to effectively use the monsoon and avoid typhoons.

In addition, the East China Sea is now Jingping, so the food shipped to the north mainly depends on sea transportation.

Although the canal is dredged today, most of the inland merchants use the waterway.

Chen Xuan became the commander-in-chief of one side at the age of 38, and the governor of the right army's governor's mansion. Of course, he is not a fool.He clearly realized that sea transportation is faster than water transportation and has a larger carrying capacity. In the future, water transportation in Daming will mainly rely on sea transportation.

In addition, he didn't dare to leave the grandson of Zhu Zhanji, so after being recruited by Zhu Zhanji, he reluctantly came to the capital.

But during the training period, Zhu Zhanji also told him a complete description of the layout and development of the bank, and he became interested.

In the past, he was only in charge of water transportation and local security in Huai'an, but now, he is in charge of the country's inland water transportation, which is more powerful than before.

However, he insisted on refusing to accept the position of bank president, because Daming had no president before, and this official position could not attract him.

Zhu Zhanji could only do as the Romans did, and took the position of governor of the bank.

His deputy was Zhu Zhanji's uncle, Mu Xin, who had already held a position in the Department of Guest and Guest of the Ministry of Rites.Zhu Di loved him very much. After going to Dongying for gilding, Zhu Zhanji sent him back to organize a bank.

The land transportation of the Ming Dynasty mainly relied on post stations, and the entire post station of the Ming Dynasty was under the responsibility of the Master and Guest Division of the Ministry of Rites.

There is one doctor in the host and guest department, who specializes in admirals.The lower part is divided into nine pavilions, three pavilions in the south of the Yangtze River, with one person in charge, and six pavilions in the north of the Yangtze River, with two principals, supervising the post stations all over the world.

However, the post stations and transfer stations in the local area still have to accept the dual leadership of the chief envoy and the inspector envoy, which is equivalent to three lords in one yamen.

Mu Xin, who was in charge of the Ministry of Rites, was arranged by Zhu Zhanji as the deputy governor of the Daming Bank, who was responsible for the transfer of gold and silver by land, and was also responsible for national inspections and audits.

Today's banks are just equivalent to bank accounts, with only entry and exit accounts. After the double-entry bookkeeping method is unified and standardized, it is actually not difficult to check the accounts.

Any management is a battle between the management and the managed, and all systems can only be improved slowly.Don't say that Zhu Zhanji doesn't understand the too complicated bank management system, even if he does, it's inappropriate to show it all at once.

The business scope of the two commercial banks was determined from the beginning, and then the gold and silver were dispatched by the head office, but the head office could only do business with the two banks without any specific business involved.The following two banks are only in charge of the entry and exit of gold and silver, and reconcile with the head office every ten days.

Although this management model is a bit cumbersome, it ensures that the two commercial banks are competing with each other and supervising each other, and at the same time, there are stricter supervision.

At least for now, this approach is sufficient.

During the training of these personnel, Zhu Zhanji also set up a suggestion box to allow each trained personnel to provide suggestions.

Whether it is anonymous writing suggestions, or direct suggestions to Zhu Zhanji, as long as they are useful, Zhu Zhanji will reward them.

Throughout the first half of September, apart from occasionally picking up close elders who came to Beijing, Zhu Zhanji was busy with these things.

On September [-]th, he brought Liu Chenghui to the wharf of the pounding rice field.But this time, he didn't come to pick up the princes and sons, but the Daoist Zhonghezi who came to Beijing from Huizhou.

At the beginning, Liu Chenghui said that Taoist Zhonghezi was proficient in medical skills, especially in the study of miasma, and Zhu Zhanji wanted to recruit him.But considering that he is 72 years old, and he was afraid that he would have an accident when he went out, the matter was delayed.

But I never thought that after Liu Chenghui came back from Dongying, he knew that the Ma family had made a microscope that could see bacteria, so he wrote him a letter, explaining the purpose and function of the microscope in detail.

Then this old man actually took Liu Chenghui's letter, took a boat from Huizhou to Quanzhou, and relied on this letter to board a Nanyang grain ship and ran over in Quanzhou.

It wasn't until two days ago that the ship stopped in Ningbo, and Yu Xian learned that there were actually two guests from Taisun Chenghui on board, so he quickly asked the person who returned to Beijing to bring a letter to Zhu Zhanji.

Zhu Zhanji was also very surprised when he heard the news. He didn't expect that this old man, who is 72 years old, would be so impatient.

But it is also a good thing that he can take the initiative to come over.If there is a solution to the miasma, that would be a blessing.

But even though he thought so in his heart, he didn't hold out much hope.

Miasma is a poisonous gas produced by rotting animals and plants in tropical and subtropical virgin forests. The main reason is that no one effectively disposes of dead animals after death, and the high temperature in the tropics creates favorable conditions for the generation of miasma.