Red Mansion Royal Cat

Chapter 485 Financial Expert Sister Bao

Chapter 485 Financial Expert Sister Bao

The New Year is about to come, and the turmoil in the court is one after another, which is messy and annoying.

Jia Cong, who held a serious official position in most cases, simply stayed at home and concentrated on opening a government office. By the way, he also wrote a "Book of Ten Thousand Words" to the emperor, specifically describing the three events. separation of powers and reform of the official system.

As for how much the emperor could finally listen to, Jia Cong said that just try your best. If you step too far, it will be easy to lose your temper.

Even though Daxia's current economic development has already taken the form of a certain empire in its previous life, he still has no plans to establish a constitutional monarchy at this time.

It's okay for a small country to do it, but if it's the size of Daxia, it can be divided into more than a dozen states tomorrow if it does it today.

However, he, as a prince, can think about it and set up a "small court" first to concentrate on his reforms.

Most of what happens in the court is just fun before tea and after dinner for the common people. As the New Year approaches, the New Year's Fair and temple fair in the capital are what they really care about.

With the mass production of glass, affordable glass products are constantly improving people's lives.

Don’t underestimate glass. Even green glass of low quality can make people’s houses brighter. People with sharp eyes have followed the nobles and learned how to build glass greenhouses. Off-season vegetables on the table are the best. Clear evidence.

On the twenty-seventh day of the twelfth lunar month, the imperial court officially sealed the seal.

Jia Cong and Daiyu put on their regular clothes and went to various annual temple fairs in the capital, eating all the way from Yongding Gate to Desheng Gate.

"There are more and more varieties of candied haws. The hawthorn one is common. This is the first time I have eaten one made from banana. It's quite fresh!"

The hawker put away the silver ingot. He knew Mr. Yumao who was "loved by everyone", and there was a smile on his face.

"Thanks to the Marquis, since the imperial court opened the sea, there are more and more varieties of fruits in the market. I also tried to make a few kinds. I didn't expect that there would be so many people who want to try them..."

Jia Cong took a bite of the candied haws, nodded and praised: "It has nothing to do with me, it's mainly because of your clever mind. By the way, you can try to make some other tricks after you go back and send them to my house tomorrow. There are many children at home, so I like to eat them. This sour and sweet thing.”

The people in this land are the most hard-working. As long as they are given a chance, they will try their best to work hard.

There are more and more snacks in the market, more and more dishes in restaurants, brighter clothes on people's bodies, and cheerful dolls on the streets, all indicating that people's lives are getting better and better.

It has only been five years since Jia Cong entered the emperor's eyes. After five years of ups and downs, Daxia finally looked like a truly prosperous age.

Jia Cong and Dai Yu just ate and watched together, admiring the prosperous scene they participated in creating. Their moods became better and better with the excitement in the market.

"Brother Cong, look at that..."

Daiyu suddenly pointed forward, and a bright red figure walked into a jewelry shop accompanied by a man.

Jia Cong felt that the figure was very familiar: "Sister Bao?"

Daiyu nodded. The man's bun was wearing a budgie that she had given him when she was putting on makeup.

The two of them followed curiously, not wanting to see two acquaintances in the shop.

Xue Biao, the second son of the Xue family, and Xing Xiuyan, Jia Cong’s cheap cousin.

"Cousin is here too?"

It was better not to say anything, but when he did, Xing Xiuyan blushed.

It is a great joy to say that Xue Biao is indeed an excellent son-in-law candidate in the eyes of Rongguo Mansion and the Xing family.

After Xue Biao accidentally rescued the Xing family's mother and daughter, Xue Biao got engaged to Xing Xiuyan with the help of the old lady.

The wedding was scheduled for March of next year. Even Mrs. Xing, who had always been stingy, was very happy for her niece. She spent a lot of her savings to prepare a dowry worth thirty-two tons for Xing Xiuyan.

Thirty-two dowries, even the daughters of the county magistrate's family don't have as much dowry as Xing Xiuyan's.

Xing Xiuyan was different from other girls in the family. She was stubborn at heart, but she was also a gentle girl. Her neck turned pink after being winked and teased by Jia Cong.

Finally, Xue Biao came up and explained to Jia Cong: "A few days ago, I heard from my mother-in-law that Sister Yan stayed at home to embroider her wedding dress every day without even leaving the door. My mother-in-law was afraid that she would be in bad health, so she was about to It’s Chinese New Year, I’ll ask Sister Yan to come out for some air.”

Tsk, Sister Yan~

Jia Cong winked at Xue Biao again and said jokingly: "My cousin really cares about people. When I get home, I will tell my mother and aunt the truth and tell them not to restrict my cousin from embroidering the 'wedding dress' in the room. This I’ll ask my cousin’s husband to take my cousin out for a while…”

Seeing that Xing Xiuyan's face turned redder, Daiyu gently twisted the flesh around Jia Cong's waist: "Okay, stop teasing Sister Yan. Sister Bao and Sister Yan, I and I will go upstairs and have a look. You... you guys …”

"Yes, yes, there are the latest styles of headdresses and accessories on the second floor. Your Highness the Princess, Eldest Sister and Sister Yan, please go upstairs..."

This shop was originally named Xue. Xue Bian directly recruited the maids in charge and welcomed the three girls to the boutique area on the second floor. He invited Jia Cong and He Chong to the inner hall.

Of course, he didn't just want his fiancée to get rid of his cousin's teasing, but mainly because he wanted to discuss something with his two in-laws.

……

Over a cup of fragrant tea, Xue Biao began to talk about the business opportunities he had discovered recently.

Speaking of which, this incident is not unusual, but in Xue Biao's view, if this matter is not resolved in time, it is likely to have an extremely negative impact on the court and the commercial development of Daxia.

"Young Master Hou should be the most familiar with the Shanxi merchants back then. Although the eight major Shanxi merchants did too many things that violated laws and regulations, the banks and bank accounts they established were actually things that benefited the country and the people."

Xue Biao asked the merchants in the shop to fetch several different banknotes, put them on the table and said: "Master Marquis, brother-in-law, you two, take a look at these..."

There are several types of banknotes, but they are basically the same.

"Cash on sight..."

"I'm not very familiar with these things. They're all from my own family. If you have any ideas, you can just tell me."

Jia Cong also nodded. The Xue family also has banks and bank accounts. Thinking about Xue Biao's methods, he didn't bother to do anything to take advantage of the opportunity to annex other people's property.

Just listen to Xue Biao's explanation: "The banknotes are all similar, and the banknotes and banknote numbers are also very different. The only difference is the premium and interest rate."

He picked up the banknotes on the table, smiled and said: "Banknotes are a good thing, so that businessmen don't have to work hard to carry money when traveling from north to south... But there is one thing, these banks are not interoperable. In the past, merchants would often stick to a few fixed places, and it would be convenient to exchange them. But now that the imperial court has opened up the sea, the prosperity of commerce has made these banknotes insufficient to support merchants in constantly opening up trade routes."

"So, you want to open banks all over Daxia?"

Although they were in-laws, Jia Cong immediately became alert.

If Xue Bianruo just asked him to do some small things, as long as he didn't break the law or discipline, he would do it easily. But this is absolutely not possible!

Xue Biao saw Jia Cong's serious and vigilant expression, and immediately waved his hand to explain: "No, I did think about it, but the matter is too big, and the Xue family doesn't want the Dragon Guards to come and ransack their home!"

He is not a fool. The Xue family has indeed changed its family and become an official family. But Xue Biao knew very well that only the imperial court took the lead in this matter. His Xue family only needed to buy a small share, which was enough for the Xue family to have the capital to become a famous family.

With the ideas in his mind and the Xue family's money, it should be possible for Xiao Xiao to join the imperial court and drink some soup.

Of course, the premise is that he can persuade Jia Cong, and the right to open a government office in the Junhou Mansion is the best way.

After listening to Xue Biao's explanation, Jia Cong's face lost some of its solemnity.

"I have thought about this before, but I am not very proficient in matters involving silver. But your idea is very good. The circulation of silver has indeed inhibited the development of the country's commerce. In this way, are you free tomorrow? Come on Come to my house and I will take you to meet your uncle."

Banks are the inevitable product of commercial development to a certain extent. Banknotes are simply the original banknotes. Opening national or even global banks is a necessary condition for promoting commercial development.

We can't let businessmen rush around with carts of goods and money.

Not to mention the hardships on the road, safety alone restricts commercial circulation.

Xue Biao was overjoyed when he heard this. As expected, telling Jia Cong about this was the right thing to do.

"Speaking of it, I have been having a headache for a long time. A few days ago, my shopkeepers came to Beijing to report their accounts. The shop in Chengdu sent last year's revenue to Beijing. Unexpectedly, before I even left Sichuan, I was almost intercepted by thieves. Later, it was exchanged for a bank note from Shu. After being sent to the capital, a premium of 500 taels was charged for the ten thousand taels of silver..."

"Such a high premium?"

He Chong did not understand, but he knew how much five hundred taels of silver was.

Five hundred taels is enough for a farm family to live a stable and worry-free life for ten years.

Xue Biao said helplessly: "The bank's premium is calculated based on the amount of silver and the distance of the exchange. Compared with the escort agency that hires escorts, the bank is relatively cheap."

"What are you talking about?"

At this time, the three girls had already walked down from the second floor and came to the inner hall.

Seeing the helplessness on his cousin's face, Baochai asked, "Is the family business encountering difficulties?"

Xue Biao stood up and welcomed Baochai and the others to sit down. After serving tea, he recounted what had happened before.

"So that's what happened~"

After hearing this, Baochai turned his attention to Jia Cong: "Brother Cong, do you still remember the bank you told me about a long time ago and the deposit interest? I think now is a good opportunity!"

This happened several years ago. Jia Cong complained about how he went to a bank to deposit money. Not only did he get no interest, but he also had to pay handling fees to the bank.

At first, he was not very familiar with the banking business, so he specifically asked Baochai, who had a banking business at home, for advice.

Later, he accidentally told Baochai about the bank's profit-making methods in his previous life, which opened Baochai's eyes. It's a pity that the Xue family was in turmoil at that time, and there was no time to engage in the financial industry, so this matter was forgotten.

Not wanting to talk about this matter again today, Baochai immediately remembered what he had thought.

"Based on the Bank of the Ministry of Accounts, as long as the bank is set up, endorsed by the court, deposits and pays interest, we can definitely attract a large amount of silver deposits in the fastest time."

Baochai's approach to economics is absolutely sure to keep everyone present, including Jia Cong.

She has already thought of how to establish a complete government-run bank system in a short period of time.

This was the first time He Chong saw Flash's wife, and he was shocked.

Daiyu poked Jia Cong in a funny way and motioned him to look at the dumbfounded He Chong...

Jia Cong praised: "Sister Bao is a natural minister of the Ministry of Finance!"

"It's true that Sister Bao is a bit unworthy of following me in the Etiquette Department..."

Daiyu tilted her head and suddenly said to Baochai, "Sister Bao, are you willing to work in the Ministry of Household Affairs?"

what?

"Your Highness is joking. Sister Bao is a woman, how can she..."

Halfway through his words, He Chong suddenly stopped.

He glanced at his wife with soft and distressed eyes, gritted his teeth, stood up and bowed to Daiyu: "If Your Highness can really allow Zhuo Jing to serve in the Ministry of Household Affairs, the He family will be grateful!"

Baochai is still a female official under Daiyu's princess palace. Although she is among the imperial officials, in many eyes, her wife's official position is nothing more than a favor given to the emperor's favored daughter by giving to his ministers. It has nothing to do with the palace. There is no difference between female history and female officials.

But if you leave the Princess Mansion and go to the Ministry of Revenue, it will be different...

Baochai's excellence was unknown to others, but He Chong knew it very well.

Grandfather once said that all the sons and daughters of the He family could not compare to the granddaughter-in-law he brought home after abandoning his dignity and asking for the imperial edict of marriage.

Although he was so disliked by his grandfather, He Chong still wanted his wife to truly come to the forefront and let those who had laughed at Baochai know that who said women were inferior to men!

Baochai was shocked by her husband's actions, and her eyes were full of gratitude and deep love.

She was about to speak, but she saw Daiyu was the first to laugh and said: "Where does Sister Bao come from? Brother-in-law of the He family is telling a big joke. In fact, I have had this idea for a long time. I am an errand of the Department of Compulsory Education." It restricts Sister Bao. If Sister Bao can go to the Ministry of Household Affairs, it can be regarded as helping Dad."

"That's true. The official duties of the Ministry of Household Affairs have doubled in the past two years. My uncle has already gone to His Majesty to ask for someone. But you also know the situation in the court. People selected by the imperial examination have no problem being officials. How about managing their finances? …That’s it.”

The imperial examination system of the imperial dynasty could be regarded as the most appropriate system for selecting officials from the beginning.

But with the development of Daxia, it is now somewhat beyond its capabilities. Not to mention anything else, the lack of financial management talents alone is enough to stretch the household department.

On the contrary, the various wealthy merchants among the people were enough to beat the officials of the imperial court who managed the wealth in terms of financial management.

Jia Cong made a straightforward decision: "This matter is settled. It's hard to say anything else. Your Majesty has been having a headache at the Ministry of Revenue for a long time. He told me a few days ago that he wanted to re-innovate the business of the Ming Dynasty. System, unfortunately I still don’t have a clue. Sister Bao’s reputation for financial management is spread throughout the capital, and His Majesty will definitely agree to it!”

Monthly ticket recommendation ticket

　I'm groggy after taking medicine, so I'm late tonight, sorry~

　　I’ll stop here for now and continue tomorrow. Good night!

(End of this chapter)