I want to ruin the country

Wu Yong was a little anxious.

"What you said is true, the high officials in the past were all from our bannermen!

Now the Ministry of Justice, the Ministry of Personnel, and the Ministry of Works are all controlled by the Han people, accounting for half of the six major ministries.

This is incredible! The Emperor has truly been deceived!"

The Fifth Master said,

"That's right, the ministers of the six major ministries were all ours before, and the Han Chinese could only be second in command at most!

Now the reason why the Emperor is treating us Bannermen worse and worse is clear to us!"

Dun Sanye said,

"What's the point of understanding? Are you still going to seek justice from the Emperor?"

Wu Yong glared,

"Don't provoke me. If I get angry, I'll really go to Qianqing Gate to talk to the emperor. This Daqingjiangshan doesn't belong to him alone!"

Le Siye said,

"Go, go quickly. If you can get this thing across, we won't have to move to the next county!"

The Fifth Master said in a sarcastic tone,

"I think you should stop bragging. In the spring, wasn't there a group of people kneeling outside the Forbidden City to make a protest?

They're all kneeling down, and the Emperor doesn't pay any attention to them. What's the point of you going there?"

Wu Yongdao,

"I can't do it alone, let's contact the royal family, princes and nobles, what if we all go together?

Even if we go with hundreds or thousands of people, I don't believe the Emperor can chop us all down!"

Le Siye said,

"That's right, the law cannot punish the masses. As long as there are too many people, the emperor can't rule them!"

Dun Sanye said,

"Let's contact some influential people and go to Zijin City to talk to the emperor!"

Wu Yong said,

"Master Dun, all talk is just empty talk. Talking is useless!"

Dun Sanye was anxious.

"Who's talking nonsense? I'm afraid you'll back down!"

Wu Yong sneered,

"I'm a coward? Grandma!

Just contact people, the more people the better. I'll not only lead the way, but I'll also provide meals when you come back!"

The Fifth Master used the method of provoking the enemy.

"You said you should pee while standing. What if your words don't count?"

By now, Wu Yong no longer knew his last name. He patted his chest and said,

"I don't have the final say. I'm a bitch!"

Le Siye said,

"Okay, let's be gentlemen!"

Wu Yong said,

"It's hard to chase a horse!"

Yining in the palace had no idea that someone was planning to cause trouble for him!

After the imperial conference, he secretly summarized and sorted out the previous work, and thought about where the focus of the next work should be!

Since he traveled through time after the 20th day of the first lunar month, Yining has done a lot of things.

Now, a Royal Bank has opened in every county.

Why haven't the Royal Restaurants in various places opened yet, but the Royal Bank opened first?

The reason is that the Royal Bank does not need to build a new building like the Royal Restaurant.

Just buy or rent a yard.

After some renovation and tidying up, the magistrate was asked to find a few old scholars who were good at writing and calculating in the local area, and have them come to the Ministry of Revenue in Beijing for training. After ten days or half a month, they could start work and open the business.

The Royal Bank's main business at the beginning was to attract deposits, and this work was relatively easy to carry out.

Once the notice was posted at the county government office, the magistrate would invite the local gentry to gather around ten or eight tables, and have the bank director introduce the business in front of everyone.

What rich people care about most are the issues of interest and confidentiality.

Yining was very thoughtful. In order to attract business, he set the deposit interest rate very high at the beginning, with an annualized rate of about 5%.

That is to say, if you deposit 100 taels of silver in the bank for one year, you will get 106 taels of silver including principal and interest upon maturity.

The annual interest rate for the loan is around 7%, which is very low.

Why is it so low? After deducting the expenses, there is no profit at all.

The purpose is to promote its reputation so that ordinary people will think of the Royal Bank first, whether it is for deposits or loans.

Moreover, Yining did not want to make money from the common people. The people who needed loans were not fat sheep and did not need him to slaughter them.

If they are going to slaughter people in the future, they will slaughter foreigners or rich people.

With the intervention of banks, ordinary people no longer have to borrow usury, and the pressure of life on people is also reduced.

The issue of confidentiality was also explained clearly, the Royal Bank is just a financial institution.

If you have not broken the law, the bank will not provide your deposit and loan information to any organization or individual. This is guaranteed by the emperor's credit!

Even so, many local rich people would rather dig cellars all over their homes to hide their silver than keep it in the Royal Bank.

They just feel at ease keeping it in their own home!

However, there is no oil and salt shop in the world that is not open. As long as it is open for business, there will always be people coming.

It will be easy once you get started. Over time, as long as you can guarantee payment at any time, your business volume will slowly increase!

After the first month of operation, the total deposit balance of the Royal Bank reached more than 50 million taels of silver.

Although it’s not much, but everything is difficult at the beginning, and it won’t be over once it’s started. It will get better slowly in the future!

Yining has also made up his mind that no second bank will be allowed to appear in the country in the future.

If business requires, we can set up some overseas departments specifically for foreign countries.

Later, there were five state-owned banks: Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and finally the Postal Service Bank, as well as countless commercial banks everywhere.

Yining couldn't understand, what was the point of establishing so many banks, other than duplicate investment and employing a large number of employees and countless corrupt bank officials?

Does this industry need competition?

As long as the deposit and loan interest rates are reasonable, so that people have a place to save their spare money and a place to borrow when they are short of money, wouldn’t that be enough?

Some people say that it is difficult to develop without a competition mechanism, and monopoly operations are prone to many problems. This is bullshit.

Is China Power the only one? Is China Tobacco a monopoly?

Electricity prices in China have been less than 50 cents for decades. If electricity were operated by a few or dozens of private companies, would you be able to pay less than three or five yuan per kilowatt-hour?

The three state-owned enterprises, China Mobile, China Unicom and China Telecom, are competing with each other, but have the people benefited from it?

SMS charges, MMS charges, data charges, monthly fees, minimum consumption, there are pitfalls everywhere, there are traps everywhere, there are bundled consumption everywhere.

The common people have no way to escape from you and suffer terribly.

It's like buying a ticket to enter a park. Do you think you can see everything just by entering? You are beautiful, but that is just the entrance fee.

Want to ride a roller coaster? It costs money!

Want to ride the rapids? It’s charged!

Want to see a haunted house? It costs money!

Two or three people go to the park and spend the whole morning there, and they won’t make at least three or two thousand yuan!

There was no competition before the 1980s, and the staff’s attitude was very good. Why?

At that time, what mattered was serving the people wholeheartedly!

Everything belongs to the people, the people’s police, the people’s courts, the people’s procuratorates, the people’s governments, the people’s post offices, everything is centered on the people.

Now, everything is based on RMB!