[Red Mansion] I want to be the chief assistant

As Lin Yu expected, the fastest accepting banknotes are undoubtedly the merchants.The reason why he felt such emotion was because he saw the data report about Songjiang Mansion submitted by Lin Ruhai.

While building the Royal Bank, it is not just a building in the capital.If only this is the case, for those merchants, a large part of the most important role of the bank is missing.

As we all know, for ordinary people, the most important basic ability of a bank is to absorb deposits and lend money.And there is another important thing for businessmen at this time, that is, they don't have to carry a lot of money on the road with the same ticket number.

At the beginning, they were skeptical about the country's credit, but when they saw that no matter which bank had a steady stream of gold, silver and copper coins that could be exchanged at any time, their trust increased slightly after a period of time.

In particular, the bank has another advantage that even the money bank can't keep up with, that is, the money stored in the bank will generate new money every day. Although the interest rate is not high, it is better than the bank that in turn requires storage fees!

Merchants are profit-seeking. At the beginning, they were still considering insurance and deposited their money in time-honored banks.But there will always be the first person to eat crabs. When other people see that he has really withdrawn more money from the bank than originally, those businessmen will gradually gather around to try and use it.

Until now, the account that appeared in front of Lin Yu shows that at least for businessmen, they have gradually begun to get used to banks.Even if they only use banknotes as banknotes now, don't banknotes also refer to the function of coins?

For those businessmen, the same banknotes, wouldn't a bank that has been operating stably be much safer than a privately run bank.After all, they have seen more than once that the bank is surrounded by armed soldiers guarding it all the time, which Xiaoxiao would dare to rob it?The only thing to worry about is whether the emperor will do something rogue and swallow all the money in the bank.

"It's impossible." A young man with a pair of round eyes on his face supported his grandfather, and after doing a small business in the bank, he said, "As long as this bank continues to operate, the It is a hen that lays golden eggs, how could the current emperor, who is so far-sighted, do such a thing like killing the chicken to get the eggs."

"That's right." The grandfather sighed, "It seems that even if there is no ban, this bank will not be able to continue sooner or later, sooner or later."

The grandparents and grandchildren are the owners of Xingtai Pavilion, a well-known ancestral bank in China, the grandparents of the Zhao family.It is not very accurate to say that the ancestry is not very accurate. They did not run the bank from their ancestors, and they only started this business in the previous generation of the old man.However, those families in Shanxi committed a lot of crimes when the puppet dynasty collapsed. After all, the millions of dollars they lent to Jingchao at that time were considered thrown away. Worried about whether he would be retaliated by the new dynasty.To this end, they also had to buy a large amount of national debt.

Others bought national debt and could expect the country to pay back the money after the war, but they didn't even dare to ask for it.As soon as the bonds were in hand, they were directly burned to ashes. We can only hope that the emperor will see the money for the sake of it!

Facts have proved that the emperor did not come to find out their crimes, but the practice of directly banning the bank was another severe cut on their bodies.Others don't know, don't they people who work as bank accounts know, how profitable the bank is!

These people are holding a lot of cash in their hands, which one is not involved in lending.Let them say that this emperor is too shameless to openly engage in such things as making profits.

This is competing with the people for profit!

But at this time, no one will give them a head start. Even when the bank launched this business at the beginning, there were no protests.However, Lin Yu also made it clear that the interest rate released by the bank is very low, and there will be no such situation as rolling interest. Presumably those big families will release it for a profit of one or two cents, which is really rare. pitiful.

For ordinary people in need of emergency, it is better for them to choose a bank than to borrow usury.At this time, the bank approval procedures are not complicated, and the mortgage can basically be guaranteed, and the loan can be issued.Borrowed money can be fully repaid with a little hard work for a period of time.

What's more, for the interest of the people who want to pay for storage, lending is indispensable as the main business of banks.

This measure is similar to Wang Anshi's Green Crop Law in the Song Dynasty, except that the Green Crop Law will be the government as the main body to lend seeds and farm tools to farmers at low interest rates, because of the well-known corruption, this What was a good idea ended up in vain.

In the new dynasty, the subject of borrowing has changed, and all lending rates have strict regulations.Moreover, every day's storage interest and loan interest rate will be written on the big blackboard in the hall, which can be seen by everyone at a glance, which can be called transparent.Therefore, even if people are still needed to operate, the cost of exploiting the people has increased a lot. People with brains generally don't use their brains in banks.

When the influence of those families in Shanxi withered, the Zhao family in Xingtai Pavilion once thought that their chance had come.After all, as a bank that is not very old, the influence of Xingtai Pavilion has rapidly expanded to most of the Jiangnan area after several generations of hard work.

Originally, when the war came, they thought that the family's family business would disappear in smoke.Unexpectedly, the emperor of the new dynasty attached great importance to business exchanges. When they captured an area, their banks were protected by soldiers, just to prevent robbery.After all, it is not unimaginable that there will be a lot of gold and silver in a bank.

Of course, Xingtai Pavilion is not the only one receiving protection, all banks are the same, and they have no special relationship.However, if some banks were found to have committed illegal activities, the fate of those owners would not be very good.But even so, Xinchao took over those banks and did not take the money inside for himself.Anyone who can produce a bill can get his money back.

When the Zhao family saw those people who went to withdraw money tremblingly and came back with smiles on their faces, they knew that the new dynasty's emphasis on business was not just empty talk.At least, it is certain that Lin Yu, who only called himself a general at that time, was a man of promise.

Because the bank was protected, the Zhao family had an idea and hid in the bank, and they also received protection along the way.As a result, the whole family, young and old, survived safely.Therefore, the loyalty of this family to Xinchao is still very high, just like the young man in front of him with a pair of glasses on the bridge of his nose, he took part in the imperial examination of Xinchao, and got an Unprecedented full marks.

These descendants, who were not given much attention in the old days because of their low talent for reading, were originally raised only as managers of the family property.As soon as this matter came out, it immediately attracted the attention of several elders.Mr. Zhao personally took this grandson with him, and found that this always silent grandson was not dull, but really talented, but he didn't like to talk much.Perhaps because of his status as a concubine, he also developed the habit of talking less.

Although Mr. Zhao brought him by his side, he was actually in a dilemma.If it was in the old dynasty, naturally the descendants who passed the imperial examination would be the main ones, and they would try their best to support them as officials in the future, and the property would still be those descendants.In the future, officials and businessmen will take care of each other, and the Zhao family will be stable.

However, such a situation is especially taboo nowadays, once it is discovered, the little grandson's function cannot be continued, and his life will be lost!What's more, it's different now. The biggest Xingtai Pavilion can't be opened anymore, so their family has to find a way to start other businesses.He is optimistic about the future of this grandson. After all, he knows that those who are descended from the heirs are good-natured, but they are indeed somewhat arrogant and not capable.

"Rongxi, what are your thoughts." Mr. Zhao wanted to hear what kind of plans this little grandson had. No matter what, he still wanted to pick up the most promising one from the family.He is old, but not yet senile.The money from the ancestors is just icing on the cake. If you want a family to continue, you still have to rely on the next generation.And the next generation of their Zhao family will look at this little grandson.To be honest, he has always known that this grandson has spiritual skills in numbers, otherwise he would not have thought of letting him take care of the family property, but he did not expect to be so talented, "You want to continue the exam to become an official?" , or concentrate on taking care of business.”

After a moment of silence, Zhao Rongxi pushed his glasses and said, "Grandfather, to tell you the truth, the Royal Academy of Sciences has come to look for grandson and gave him a more difficult exam paper." Thinking of the questions on that paper, he The corner of the mouth curled up a little.He really likes these things, and the score on that paper shows that he is also very shocked and satisfied, "I don't want to be an official or a businessman's grandson, I want to be a researcher."

If there is no accident, the invitation letter from the Royal Academy of Sciences will be sent soon, Zhao Rongxi thought happily.He used to think that his future would be based on the day-to-day accounts, but the establishment of the new dynasty gave him a completely different path.

He has been silent in the family for so many years, and suddenly he became a blockbuster, because of the line in the imperial examination that counts talented people who can join the Royal Academy of Sciences.He really likes counting, so he knew what his grandfather expected of him, but he still resolutely wrote his highest level on that test paper.

In all fairness, life at home is not difficult, even compared to other bastards he has seen, his life is already very easy.He has never been short of food and clothing. Although the servants under the family are a little bit playful, they never neglect him.The wife is the main wife, and her attitude towards him is only indifferent, but she has never suppressed him.Of course, the reason for this is that his aunt had already gone.

But I have to say that the bigger reason is that my wife is a decent person.Therefore, although the elder brothers were somewhat arrogant, they were not spoiled, nor did they bully him, they were just being polite.

Such a day is already rare in a big family like the Zhao family, but he has always been immersed in his own world, even if he knows it in his heart, he doesn't like to talk about it, let alone say it.

Therefore, after the high score in the imperial examination, he had been waiting for an opportunity to say this. When the Royal Academy of Sciences came, he was still rushing for the exam in Beijing, and he did not tell his family.This time, it was the matter of the Royal Bank. The elders worked tirelessly to come to the capital before he spit it out.

"Researcher!" Mr. Zhao was shocked, how could he not be shocked?Whether it is politics or business, he has countermeasures for these two paths, and it is a good thing for the family, but suddenly this grandson who is expected to be the most promising is about to enter that big courtyard, and in the future, everyone will I can't come back, and the road between government and business is too far away, "Are you sure?"

Zhao Rongxi laughed and said, "When my grandson gets full marks in the exam, I'm afraid there will be no room for change in this matter." This is of course a lie, Lin Yu has not yet reached the point of restricting personal freedom.If he chooses another path, others cannot force him to enter the scientific research institute.It is not a person who does not voluntarily engage in research. Even if he is smart enough to enter a scientific research institute, it will be of no use, and it will also increase the risk of secret leakage.But after he told the person from the research institute about his situation, the person laughed and taught him this.That proficient tone must not be the first time to teach people like this.

The mystery of the Royal Academy of Sciences would have spread throughout the entire Forty-Nine City long ago. The common people knew that there were sergeants patrolling the Royal Academy of Sciences all day long, wishing not a single fly could fly in.Generally, if you pass the imperial examination, you will be an official. Even if this is discounted in the new dynasty, the inherent concepts of the common people are not wrong.

Even in Lin Yu's allegory order, as long as anyone who is a researcher, even the royal family must respect such a person, but the common people don't understand, they only know that people who enter the scientific research institute will not look back once they go, if it is not for the Chinese New Year Don't even remember going home.Even when you go home, you will be accompanied by two soldiers with guns, which is scary to watch. What is the difference between this and a prison?

Speaking of it, it's really unfair.Those who do research know that once you are immersed in one thing, it is really very common to forget all your days.The Spring Festival is the most important holiday, and they will naturally know that it is a holiday.This is the so-called reason why they don't go home before the New Year's Eve. The sergeant is true. Each of these people is the wealth of the country, and naturally they need to be well protected. They are not afraid of ten thousand, just in case.

The family members of the real research institute know that as family members of the research institute, they usually receive a lot of care.However, they don't know that the names of these people are registered in the township officials, especially the local branch offices. Generally speaking, local ruffians dare not find such people, they are too sensitive .

However, rumors, once spread ten or ten times, will inevitably be somewhat distorted, and the scientific research institute will make the common people stay away.After Lin Yu knew about it, he followed suit. At this time, there were fewer people watching the excitement. For the soldiers, it was more important for them to protect the Academy of Sciences, in case spies from other countries came to spy on the secrets.

Wanting to reverse the image of the Institute, when necessary, is nothing more than a few reports in the newspaper.Now, when the new education has not been fully implemented, there is no rush for the time being.

Mr. Zhao doesn't know what it means to have a researcher in his family. His impression of the Royal Academy of Sciences is just a little legendary, and he is far from understanding.To be honest, he is not reconciled.After all, in his eyes, no matter what, how can a researcher compare with the official status and the expansion of the family business, but after Zhao Rongxi said that sentence, he was helpless.

Although this sentence is distorted, it is really useful when combined with rumors.I don't know who came up with the narrow idea, but thanks to Lin Yu, he didn't care about it, otherwise, if he changed the court, he would be charged with 'resentment'.

Mr. Zhao sighed: "If that's the case, that's all." What else can be done, people have been reserved by the research institute, and they can still compete with the imperial court, and they can't.What's more, he is old and his eyesight is not bright yet.Obviously, his little grandson himself is very happy.

Zhao Rongxi pushed his glasses embarrassingly, and said: "Actually, there is no way in the family." He helped his grandfather back to the yard where they lived, and said, "This bank must not be the only one of the Royal Bank."

He has already made a rough calculation. According to the current speed of business development, the Royal Bank alone is definitely not enough.Moreover, the National Bank has no end in such a situation, so it should have another role.

As for economic matters, he grew up under the influence of his ears and eyes, and he didn't have a formed knowledge system, but he knew it well.He is good at arithmetic and can calculate many things.For this reason, he very much agrees with Lin Yu's words that came out later: Data can't lie.

"Although I don't know how the imperial court thinks about it, one thing is certain, all the banks will never be taken over by the government." Zhao Rongxi has a high IQ, and his ability to analyze problems often hits the nail on the head. This is why Mr. Zhao is extremely sorry.

"How do you say it?" Mr. Zhao leaned forward and asked. There is no way for this person to enter the research institute in the future. It is better to listen to what he thinks now, maybe there is a new way out.

"Grandpa forgot that the National Bank is indeed established by the government and can be regarded as an extension of the government's functions, but many businesses launched by the Royal Bank are completely different from the National Bank." Seeing that Mr. Zhao still didn't understand, Zhao Rongxi said clearly, "It is said that there is no king in the world, but everyone has forgotten that, at least in terms of economy, His Majesty the Emperor has completely separated the royal family from the country.

The Royal Bank looks the same as the National Bank, but it is actually a private bank, which is not much different from Xingtai Pavilion! "

This is also something old people in shopping malls such as Mr. Zhao didn't understand. Since there is a national bank, why do they have to build a Royal Bank? Isn't it all a family?After being reminded by Zhao Rongxi, he finally realized it.

"However, how do you know that His Majesty separated the royal family and the country economically, just relying on these two different banks?" Mr. Zhao couldn't believe it, and asked, "Did you hear something in the capital?" information?"

Zhao Rongxi shook his head frankly, and said: "It's not gossip. The grandson knows it because His Majesty the Emperor has written all these in the "Han Law·Clan Law". Anyone who has read it will know it!"

Mr. Zhao stared dumbfounded at his grandson, who looked at him for granted. Seeing him looking at him, he looked at him in a daze. He didn't seem to realize what the problem was. He finally put away his surprised expression, and said in his heart, the child said I am not suitable to be an official or a businessman, maybe I am not lying.It's good to be a researcher, he thought tangledly.

Humans are indeed very smart. Although such a thing is put on the bright side, everyone will suddenly realize after it is said: So it is so, the reason is very simple!But without such a smart person pointing it out, people who don't pay attention will never necessarily find it.

However, being an official or a businessman is not all about being smart.In today's words, that is the need for emotional intelligence.Mr. Zhao didn't know there was such a word, but it didn't prevent him from discovering the flaws of his grandson who was so good in his own eyes.

It was the first time he really felt the intelligence of his little grandson, but it was also the first time he realized that he was really not suitable for the two paths of government and business. He patted Zhao Rongxi on the shoulder with a complicated expression, and said: "Actually The researcher is also quite good, at least, he is very respected." Even the royal family should be respected, let alone ordinary officials, and there is no risk of officialdom, which is really good.

Zhao Rongxi didn't know why his grandfather suddenly changed his attitude and no longer seemed reluctant, but this did not prevent him from being happy.In any case, the grandfather agreed, and the father could say nothing more.

The two grandparents of the Zhao family didn't know that there was a reason why there were no other people with full marks in the imperial examination except him. It was because Lin Yu specially asked a question beyond the outline in the last big question, just to find those real geniuses.The sentence that Zhao Rongxi used to deal with his family was not completely wrong, at least, after he solved that big question, his paper appeared on Lin Yu's case.

There is no answer to this big question, or in other words, the examiner did not get the answer to prevent cheating.That's all for other places.It would be a joke if a fake person was recruited into the Academy of Sciences!

It can be said that Zhao Rongxi's full score was given by Lin Yu himself.It's common for the Royal Academy of Sciences to come to talk to recruit people in person, and it's the same for other people who were recruited, but he was really the only one who did another test before, but he didn't know it.

In other words, no one knew about this except Lin Yu, who produced the papers, and the two confidantes who went to recruit people.

This country has never been short of geniuses, but Zhao Rongxi's name has never appeared in the long river of history. Lin Yu doesn't know whether it is because of the difference in the world, or whether his talent has been buried by stereotypes. Fortunately, It's not too late.

There are more than one people like Zhao Rongxi who have seen Lin Yu's intentions, but they are accumulated through various contacts.But all the businessmen who were unwilling to cut off their bank business in their hands moved one after another.

"The Eight Immortals have shown their magical powers across the sea!" Lin Yu took Lin Ruhai to sit in the secret box of the Zuixian Building, listening to the businessmen's discussions outside, and said to Lin Ruhai beside him, "What do you think, Uncle Tang?"

"If I hadn't heard about their plans, it would be hard to imagine." In the private room next door, there were only some businessmen, not to mention royal family members, but ordinary scholars. Who can imagine the people who have been at the bottom of society for thousands of years? Do businessmen have such power without knowing it?Listen, these people are chanting the names of some people, as if covering most of the court, even Chang Kemin, who has a queen's granddaughter, also appeared in their mouths.

Naturally, Chang Kemin would not pay attention to these people, but to be honest, since these people can say that, at least they have a way to get involved.That's enough to indicate some problems.

"As long as people's desires exist, corruption can only be curbed but not cured." Lin Yu is very open-minded. There is nothing in this world that has only advantages but no disadvantages. Compared with corruption , the contribution of business to the whole country is also real, "ruling the country according to the law, and educating people with morality is nothing more than that."

Lin Ruhai paused for a moment, then hesitated and said, "Is this Confucianism really unbearable at all?" If others dare not say it, he still dares to ask in private.He was also brought up under the influence of Confucianism, so it's hard to say that he didn't have any good feelings at all.However, now that he is a prince and the only clan in the royal family, he naturally wants to take Lin Yu as his leader.

"Today's Confucianism is definitely not good." Lin Yu resolutely said, "Uncle Tang also passed the scriptures, how much do you think those scriptures are really useful for governing the country?" He did not deny the merits of Confucianism, but enlightenment and Governing a country is two different things.Hundreds of years of dynasties have proved that Confucianism does not work.

Lin Ruhai was silent for a while, sometimes he still couldn't make a turn, after all, he was still working every day, and still going to court, in a trance, he thought that I was still the same person who had to be trembling as a censor.However, the court clothes on his body reminded him that everything was different.The dynasty has changed, the emperor is different, and he has also become a genuine hereditary prince.

According to Lin Yu's idea, Lin Kun, who is still studying in the college, would better go out and win a fief in the future, establish a kingship and establish a system, and his title will be handed over to Daiyu in the future.When Lin Ruhai first heard about such a plan, she had to admit that it was hard for her to imagine.

"Of course, if you are willing, it would be good for Daiyu to be a female king in the future." Lin Yu said to the stunned Lin Ruhai at that time, and only then did he pull back the soul of this uncle, shaking his head violently.The feudal state system is naturally good, but I don't know how many years it will take.Selfishly speaking, he was also reluctant to let a girl like Daiyu go out to suffer.

Looking at the jade-like Lin Yu, Lin Ruhai's heart became brighter. No matter what he learned in the past, he is now the royal family of the Han Dynasty, and naturally he must closely follow the footsteps of the current emperor.He relaxed a little, like what Lin Yu wrote at the beginning of the Han Law, and asked: "Is that mainly Legalism?" Just like this, I don't know how many authentic Legalist disciples can be found in the world today .

Lin Yu shook his head and said, "I don't want to use any kind of discipline to govern the country. It would be biased." The merchants outside have already left, and it is rare to go out of the palace once, so they are not in a hurry to go back. Now the entire Zuixianlou is gone His guards were standing in the open and in the dark, so Lin Yu could talk about his thoughts, "I thought about how majestic Qin Shi was, but the death of the second generation at least shows that the law should not be too strict." Not to mention Confucianism, Because he pursues the goodness of human nature too much, and thinks that everyone can be educated to be good. No one understands better than Lin Yu from later generations that it is just a beautiful fantasy.

Just a while ago, the case of a hidden household in Shandong was caused by a conscription order. On the surface, those gentlemen with unparalleled virtues were all treating people as animals in private, and the rent they set was frighteningly high. The tenants had to borrow usurious loans from them again, and finally sold themselves to work as coolies for them all year round, and they didn't even have a good clothes.

As soon as this incident broke out, it didn't seem like it was only circulated in one place, but the Beijing Daily gave them free publicity for a while.The duplicity and hypocrisy of these people has been clearly seen by the whole country.

"It is because the country cannot be ignorant of law, without commerce, without glory, without weapons, without prosperity, without weapons, without strength, without virtue, without establishment." Lin Yu's meaning is very clear. Concentrate on your research."

Legalism cannot be allowed to hold the law to measure whether everyone in the country is following the rules; Confucianism cannot be allowed to hold the scriptures and righteousness, and talk about governing the country every day; Threatening with a sword, let alone allowing businessmen to blindly pursue profits.

What kind of Confucianism does Lin Yu want? Nowadays, many Confucian scholars have to abandon the knowledge they have studied for most of their lives and start to bury their heads in the classics again. They are gradually gathering in the direction of the capital, hoping to get a little bit of news , it will not really let Confucianism disappear in their generation.It has to be said that Lin Yu still recognized the spirit of their inheritance, and sent someone to allocate a yard for them to live in.This made these Confucianists so grateful that the emperor has not completely given up on Confucianism!

But that's all there is to it.Before they produced decent results, Lin Yu would not let them get closer to the Royal Academy.

The matter of the businessmen happened just at the right time, and they happened to be picked up by Lin Yu and Lin Yu who were out for a walk. The content they talked about was the same as that of Zhao's grandparents, all about the bank.The bank can't be opened, and the big head of the business has been poached, how can they not feel heartbroken.These merchants with money in their hands had no choice but to unite and work together to come up with a countermeasure.

When the bank started preparing before, they had already received the news and thought of ways to stop it.However, the facts proved that Lin Yu's made up mind could not be changed, and their alliance was as ridiculous as a mantis holding a cart.

Now they are united again, and it's not for any bad things.In fact, there were still very few people who dared to openly fight against the government during the Taiping period. In the past century, Lin Yu was the only one.

These businessmen are not as courageous as Lin Yu, not to mention that there are already rumors in the court that they are allowed to open a bank.Since there is a way to go, naturally he will not go to a dead end.

It's just that now how merchants open a bank and what conditions are not very clear, these merchants will gather together and try to find out through the people in the court, and it will be easy to do and deal with it in the future.

Since the establishment of this dynasty, the heads of those who have fallen have also let them know what is called propriety, and they dare not give away things that are too blatant.Now it's just a matter of looking for some of their favorite things according to the temperament of these officials, and they are all things that are not easy to price.To say that it is expensive is to say that it is cheap, and the raw materials are really not valuable things.

"It's really hard for them." Lin Yu smiled and shook his head, and said, "Nothing can stop their desire to give gifts."

Huang Zhong, who was at the side, saw that Lin Yu was in a pretty good mood, and stepped forward and said, "Should I invite the brothers to watch it?" To be honest, these little things really can't be a big deal, and it's not necessarily a big deal. More than a thousand taels, but who made them bump into Lin Yu?

"Forget it, just keep the evidence." When the water is clear, there will be no fish. He originally ordered the news to flow out, so there is no need to worry about it this time, but the evidence still needs to be preserved, just in case someday Useful too!

When he returned to the palace, Lin Yu received the memorial from the customs.Normally such news would not appear in front of him, since it appeared now, it meant that Bai An felt that he needed to take a look.

"The British envoys and the Japanese envoys have arrived?" Lin Yu also happened to choose to land from the newly built Songjiangfu pier, Lin Yu looked at the contents of the customs official's memorial, and without thinking about it, he approved a "handle according to the regulations" Afterwards, they were placed in a stack sent to Honglu Temple.

As for the personal letter from the King of England, let's talk about it when it comes.Lin Yu didn't care much, but the appearance of such a news reminded him of the future mission to Europe that was being formed, and he didn't know the current progress.