Late Ming Dynasty: Oops, I am surrounded by the Donglin Party

Time flies, and two months have passed in the blink of an eye.

In the past two months, Zhang Shikang has been running between his home, Xishan Camp, Tianjin, and the Imperial Palace, occasionally taking a break.

On June 18th, Chen Yuanyuan and seven other girls finally arrived in Beijing under the escort of the factory guards.

When Sun saw seven beautiful young girls bowing to her politely, she was overjoyed.

She only heard her son say that those women were singing girls. Sun had never been to Jiangnan and thought that singing girls were the same as the prostitutes in the capital.

She had always felt a little uncomfortable in her heart. After all, her youngest son was very capable and had great power, so it was not a good idea for him to date a prostitute.

But when Chen Yuanyuan, Liu Rushi, Li Xiangjun and other women stood in front of them, each of them had her own unique temperament, and their speech and behavior revealed elegance. Even the ladies from famous families in the capital were no more elegant than them.

Her son is really awesome!

That night, the Duke's Mansion was very lively. Sun gathered the whole family together for a meal, which was considered as an acknowledgement of the status of the eight women, including Chen Zhuer, as his son's concubines.

However, Zhang Shikang discussed with his parents and decided to postpone the concubine's marriage ceremony in view of the fact that Chen Yuanyuan and the other four daughters were all pregnant, and Zhang Shikang had not yet married.

The eighth girl was already very satisfied to be accepted by the Duke's Mansion and naturally had no objections.

Zhang Shikang arranged all his eight beautiful concubines to live in his own courtyard.

So the plot of flipping cards in film and television dramas was played out on Zhang Shikang.

After being apart for more than half a year, it can be said that a short separation is better than a new marriage.

Even if the four concubines are pregnant, there are still four others, so of course they have to be equally protected.

On the 16th, they attacked Baimen and Dong Xiaowan.

On the 17th, Liu Rushi and Kou Baimen.

On the 18th, they attacked Baimen and Bian Yujing.

On the 19th, Dong Xiaowan, Kou Baimen, and Bian Yujing.

……

Baimen is really good.

Apart from that matter, Zhang Shikang also often took time to accompany the girls, and even went to the military camp less often.

In the words of Zhang Shikang, work is work and family is family.

Although Zhang Shikang is a bit perverted, these young girls have entrusted their entire future to him.

They each have their own tragic circumstances, and most of them have fallen into this state because of their family’s decline.

They had no other requests and served him wholeheartedly. Ever since Zhang Shikang took them into his home, Zhang Shikang was their heaven.

This is the case with women these days.

Feudal ethics do not allow them to have any other identity other than being a wife and mother.

However, Zhang Shikang had no control over all the women in the world, and had no intention of going against feudal ethics, but he had to love his own woman.

Over the past six months, when Zhang Shikang was not around, they listened to him and studied books on mathematics and economics.

Moreover, Liu Rushi, Bian Yujing and others were really interested in it. They even went to Nanjing City to find out the operating models of money houses in various parts of the Ming Dynasty through the factory guards who stayed behind.

At present, the money houses in the Ming Dynasty have two main businesses: one is silver minting and the other is foreign exchange.

When ordinary people buy things and make transactions with shops, they will cut the silver in their hands into small pieces. Over time, there will be too many small pieces, so they need to be recast into whole ingots of silver, which is called cast silver.

As for foreign exchange, there are mainly two situations. One is that people exchange silver for copper coins, and of course copper coins can also be exchanged for silver.

The second is to withdraw cash with a bill. For example, if you have a silver bill of a certain bank and want to exchange it for silver, you can only go to the money house of the bank to which the bill belongs.

Of course, all of the above involve similar handling fees, which is also the main source of income for money houses at present.

It can be said that the money shops at that time were not considered ancient banks at all, and silver bills were not ancient cash, but just a kind of voucher.

At this time, the name more commonly accepted by the public was "money shop". The profit of this business was not high. Compared with the business of rice shop and cloth shop, it was not very eye-catching. In fact, the profit of running a money shop was not as high as that of running a cloth shop.

“My husband said before that the bank we are going to open will subvert the perception of the entire industry.

I have thought about it for a long time, but I never expected that my husband's reply would remain a secret. Can I tell Wan'er now?"

On the bed, Dong Xiaowan lay obediently in Zhang Shikang's arms, saying this while trying to stop Zhang Shikang's big hand from penetrating into her underwear.

On Zhang Shikang's right was the powerless Kou Baimen, who had just finished a great battle. Kou Baimen lay lazily on the soft bed as if exhausted, with his tender white arms drooping on the side of the bed.

But Zhang Shikang was still in high spirits, as if he was still not satisfied.

"Don't move, otherwise I won't tell you." Zhang Shikang ordered.

Dong Xiaowan curled her lips and could only let him do what he wanted. Zhang Shikang amused himself while saying:

"The money house that my husband is going to run in the future can revolutionize this industry with just a little bit of effort."

"What on earth is that? Husband, please don't...anymore...ah, it itches..."

"What do you think? If people come to our bank to deposit money in the future, not only will they not have to pay for storage fees, but I will also give them extra money based on their savings. Will people come to deposit money?"

Zhang Shikang used his Yang Finger technique, which made Dong Xiaowan cry out in pain.

"But... husband, if we do this, the people may... maybe a lot of them will come to deposit money, but... but... ah, won't our bank lose money?"

“Stupid, the money that people deposit here can generate more money.

Not only that, it can also promote the prosperity of commerce, and the prosperous commerce can also help the court collect more taxes. "

The money shops at that time could only be regarded as the prototypes of later banks. If common people deposited money there, not only would they not receive any interest, they would also have to pay a storage fee.

This means that the longer people keep their silver in the money house, the less silver they have in their hands, until one day, the deposit is lower than the storage fee, and then the silver disappears.

For this reason, most wealthy people would hide their silver in cellars rather than deposit it in banks.

People who deposit money in a money shop usually do so because they suddenly receive a sum of money for goods and are worried about keeping it in their hands. They deposit money on a short-term basis and can withdraw it at any time. The money shop earns the custody fee, while the depositors get peace of mind.

The money houses of the Ming Dynasty were granted legal status in the fifth year of the Wanli reign. Prior to that, the imperial court not only did not recognize them, but also strictly controlled them.

Although it has only been developed for a few decades, the lending business has only begun to appear in the past decade or so.

The interest rates charged by money houses are currently extremely high, reaching a terrifying 60%, with an annual interest rate of up to %, which is pure usury. Therefore, there is very little business in this area, and ordinary people are not stupid.

“Money is not a person, how can it be alive?

Husband... Husband... It's not going to work!" Dong Xiaowan grabbed Zhang Shikang's hand and said.

"Hehe, money can give birth, so you have to be able to give birth too. Come, let your husband work harder."

……

PS: My performance has dropped in the past two days, and I can’t hold on any longer, so the updates are a bit unstable. I’m really sorry.

After thinking about it, I think the recent plot is too bland and has laid the groundwork for too many future events. I will start the next copy tomorrow.