The Lonely Family in the Red Chamber

The matter over at Dongpu has been finalized for the time being, and the rest of the details can be discussed slowly. Tu Jingnian let these things go down without any hassle. He never planned to do everything by himself, so it's no wonder he wasn't exhausted!

Tu Jingnian has never given up on foreign exploration these years. The fleet under his name has been doing business with the natives there for several years in Africa. Compared with those Europeans, his fleet is much more polite. Doing business is also more fair. The natives are not fools, so they are naturally more willing to trade with him. From the very beginning, they trade mineral fur, ivory and other things. These things are worthless to the natives, even if it is a large piece of diamond ore For them, it is just a tool for sharpening weapons. In the past, those Europeans just took some things casually and exchanged them. When they exchanged for the caravan of Dajin, what they traded was really good. Things are hard currency wherever they are placed, such as exquisite porcelain, thin silk, various handicrafts and daily necessities, and the most important thing is medicine. These have saved many indigenous lives. Therefore, those indigenous tribes We all know that there is such a fleet that trades with them at a fixed time every year, bringing them all kinds of unheard-of and unseen treasures. After a deep friendship, they have begun to trade land. Anyway, those aborigines live by hunting , who hardly cultivate land, the land is not of much use to them.

Africa is rich in mineral resources. The people sent by Tu Jingnian directly bought a large piece of land, planning to use it for colonization. As a result, a gold mine was directly discovered in the land they bought.

The news quickly spread to Tu Jingnian, which is also inevitable. In the Central Plains, in all dynasties, most of the minerals can only be mined and operated by the imperial court or the royal family. Mining without permission is a serious crime of confiscating the family and exterminating the clan, not to mention the gold mines over there. The mine is far away from the mainland, without the protection of the imperial court, who can guarantee that after mining it, it can be kept. Therefore, it is logical that this matter was reported to Tu Jingnian.

Tu Jingnian knew that Africa has a lot of minerals, but the problem is that he didn't learn this in his previous life. Who knows where there are mines and where there are no mines!However, since there are gold mines, there are naturally other associated minerals. There may be some veins there. Therefore, while sending people to explore, Tu Jingnian thought, the establishment of the bank and immigration are all possible. It started.

Sure enough, not long after, good news came from Africa. They discovered a huge gold mine, accompanied by silver mines and copper mines. It is estimated that nearly [-] kilograms of gold can be extracted every year, and [-] kilograms Silver around.

This place was discovered by the fleet under the name of Tu Jingnian, so it is naturally the property of the royal family, and Tu Jingnian did not hide it, and quickly announced the news.Before everyone recovered, the imperial court promulgated the "Bank Law", as long as a certain amount of funds is used as collateral, banks can be opened, and they are planning to re-issue currency, gradually replacing today's Tongbao and scattered gold and silver.

Tu Jingnian was naturally the first one to directly open the Dajin Royal Bank with the gold mine as collateral. The household department quickly responded and established the Dajin National Bank with the annual tax revenue as collateral. Shanxi merchants, Huizhou merchants, Su merchants and Zhejiang merchants also took action one after another, went to the capital to verify property mortgages, and turned their respective ticket numbers into regular banks, and then the major banks cooperated to implement a brand-new currency system, with gold and silver as the standard. Based on the silver standard and supplemented by the gold standard, three currencies were introduced: copper dollar, silver dollar, and gold dollar.The value of copper coins is equivalent to that of ordinary Tongbao. Silver coins are about one and a half taels, which is equivalent to five hundred copper coins. The weight of gold coins is equivalent to that of silver coins, which is equivalent to ten silver coins.

It is obviously not a good time to issue banknotes now, the anti-counterfeiting technology is not enough, and banknotes are not the same as serious gold and silver. It's big.

The first thing after the establishment of each bank is that people can go to the bank to exchange the scattered gold and silver from the copper coins in their homes for copper, silver and gold dollars.Because of the hydraulic stamping technology, the three currencies are very exquisite. The front is in the shape of a dragon, the reverse of the copper dollar is hibiscus, the silver dollar is bluegrass, and the gold dollar is peony. It is not that no one suggested using the emperor's head as the front. However, But Tu Jingnian refused, he was not interested in this, not to mention that the portraits these days are relatively abstract, who knows what they will look like in the end, and it will be similar to the banknotes in the future.

This batch of currency called "Longyang" by later generations has been in circulation as the main currency of the Jin Dynasty for two to three hundred years, and later became a hard currency for foreign trade, because Longyang is well-made and has a relatively high gold and silver content. It is also not easy to oxidize and rust. For a long time, not only the transactions between Dajin and foreign countries, but also the transactions between several European countries, everyone also loves to use Longyang, and pays cash with this, and can even pay for the goods The discounts have made Longyang more popular in the black market, and these are all things to come.

Because real gold and silver are exchanged for real gold and silver, not to mention the gold and silver used by many folks have more impurities, and because of poor preservation, a lot of silver is oxidized, but silver dollars and gold dollars are different because a certain amount of other Metal has made great progress in anti-oxidation. It looks shiny and very fine. People naturally prefer to use this. Therefore, the exchange window of the bank is almost full of people every day. If it is not like this, no one can imagine Unexpectedly, all the common people in the Jin Dynasty are quite rich!

The business of the bank is nothing more than that, deposits and loans as well as foreign investment. The Royal Bank soon launched the deposit and loan business. As for investment, it mainly invests in the clan's industry. The clan has a certain share in the bank, and its children When you are an adult, you can apply for a venture fund at the Royal Bank. If you make a profit, the bank will enjoy half of the profit. If you lose, you will be deducted from their future dividends. Of course, interest will not be calculated. This is considered a bank. A preferential policy for the clan.Nowadays, business has become the mainstream, and Tu Jingnian also encourages the children of the clan to take the road of starting a business. They have great advantages in this regard. As the clan, they enjoy many preferential policies, such as tax reduction or even tax exemption, and low interest rates. Even interest-free loans, the clan has been expanding for so many years, which has also led to their wider contacts and more properties under the royal name. As long as they are willing to do it, they generally can't lose money.

At the same time, colonial policy began.In the beginning, it was in the name of panning for gold. The main part of the gold mine in Africa was surrounded by Tu Jingnian, and no one was allowed to enter. However, there were still some scattered gold mines on the periphery.Tu Jingnian intentionally sent someone to publicize among the people, saying that he was a sailor of a fleet, but he stumbled outside, and found that the person who tripped him was a large piece of dog's head gold. The local people traded with the natives there. He sneaked off the boat and panned for gold on the riverbed every night. In just half a month, he got a full five or six catties of gold sand. After returning, he immediately bought land and property to become a nearby famous rich man...

All in all, it has become a famous place of gold, and the imperial court stated in the mansion newspaper that as long as you don’t enter the mining area, you can pan for gold as you like outside, and even after you pan for gold, the people there can help If you exchange gold mines for gold dollars and silver dollars, you can exchange them for goods from Africa and resell them back.

A few months later, there was another news that a man who was full of food and the whole family was not hungry, and his family was so poor ran to the other side of Africa, took a piece of cotton cloth brought there from home, and I changed a woman from the natives over there and there is a piece of land, and I was going to buy a property there, and then I dug out a diamond as big as a fist on that piece of land!

Originally in Dajin, diamonds were not considered expensive, and they were difficult to cut. Therefore, at first glance, they were all gray. Although they were not as expensive in the Central Plains as they were in Africa at first To polish weapons, but at the beginning, some jade workers used to cut and polish jade gems, especially jadeite.Later, Tu Jingnian intentionally hyped up this, and asked the craftsman to polish a batch of diamonds according to the cutting ratio of later generations and release them. In the sun, they are called sparkling and dazzling. Although many people think that this is too dazzling, not restrained and gentle enough, However, it was still sought after by the ladies, and the price went up.

The diamonds that this man dug up naturally sold for a good price. He brought his wife who was married in Africa to her home in fine clothes, and encouraged her fellow countrymen to go to Africa together. According to him, there are gold diamonds everywhere. The rough porcelain bowl can be exchanged for a few feet of ivory from the aborigines, and you can become a big landlord in Africa with just a few things. Even if you don’t have the good luck to dig gold and diamonds in the future, farming there is enough to make a fortune up!Naturally, many bachelors have moved their minds. Although the woman looks a little dark, but with her figure and strength, she is easy to bear at first glance, and she doesn't need to spend any dowry!

Since Dajin began to implement mechanized agriculture, land has become a hard currency again. Originally, a family with more than ten acres of land had to suffer all year round. It is not a big problem to take care of a few hundred acres of land, but the problem is, where can ordinary people have the money to buy a few hundred acres of land, not to mention the kind of big iron cattle that can eat coal and water, It's not cheap either.Therefore, land mergers are more serious now, food prices have plummeted, and those small farmers are even less profitable in farming. If they don’t want to starve to death, they can only sell their land to those rich people.

As a result, this time, when I heard that the aborigines overseas did not cultivate land, they could replace it with a large piece of land with a little cloth and porcelain bowls.

Tu Jingnian announced in the mansion newspaper at the right time that people who intend to develop overseas can register with the local government, the Royal Bank can provide a low-interest loan, and they can take a free ride on the Royal Ocean Fleet. Of course, if you want to ship a little For the goods, then you have to pay a cargo storage fee.

After hesitating for a while, the first batch of immigrants boarded the merchant ship of the Royal Ocean Fleet and sailed to the other side of the vast sea with a little anxiety and a feeling of success.