The beggar emperor at the end of Ming Dynasty - Chapter 565

To build such a nationwide and efficient paper transmission channel, the human and material resources consumed are absolutely huge.

Qin Huan didn’t know, but he was shocked. He just estimated that he had to build at least 3000 or 4000 transfer stations. With provincial branches and headquarters, he needed at least 20000 war horses and 30000 or 40000 personnel, and the annual cost was definitely no less than tens of millions of Liang.

After all, although a horse doesn’t need a good horse for thousands of miles, it must be a tall war horse, otherwise it will run and waste if it rushes for 50 miles in one breath.

However, even if the cost is large, he also wants to establish it. Although it seems that some gains outweigh the losses, once it is completed, it will not only greatly improve the control of the imperial court over the provinces, but also respond to emergencies in time.

In fact, the post stations in the past dynasties also had this function, but they were not as perfect and efficient as Qin Huan thought, because the ancient post stations not only had to transmit official documents, but also received officials.

His postal department, not to mention the reception officials, even the size of ordinary people’s letters should be stipulated. If the paper is too large, it will not be sent if it is too much. It must be divided into two, so it’s best to buy a special paper envelope made by the postal department.

Qin Huan didn’t intend to deliver letters to the people. After all, no one would like to have more money, and it’s not cost-effective to have less money. But I’m afraid the imperial court doesn’t have so many official documents to deliver. Anyway, it’s also idle. It’s better to make some money to make up for the huge expenses, so that the personnel at the transfer stations won’t get sick at leisure.

At the same time, it can also greatly facilitate the people. After all, in the future, the Qin Dynasty will implement the system of military service, and many children will go abroad, so ordinary envelopes are not expensive. Qin Huan planned to order a hundred Wen, but if he wanted to speed up, he had to pay another ten Liang silver to enjoy the transmission of ordinary documents. Naturally, the main objects are those big businessmen.

When Qin Huan shared his plan with Zhang Yan’s daughters, they were stunned.

“Your Majesty, is it worthwhile to work so hard and cost so much just to speed up the speed of official documents?” Zhang Yan frowned and said.

“Of course, it’s worth it. Information transmission seems to be slow and fast. It doesn’t work very well. In fact, it’s not clear to you. You just need to be responsible for improving the specific rules and regulations.”

Qin Huan waved his hand. He just determined a general framework. The specific implementation must involve a lot of details. He didn’t have the mind or time to work on these things.

For example, how to manage and feed the horses in the post station, and how much is the salary of the staff appropriate? Resident or rotation? How often horses are replaced and whose ones are damaged need to improve a reasonable system, otherwise the operating cost will not only be incalculable, but also become a pot of porridge in the end.

“Your Majesty, it’s not that my concubines are talkative. It doesn’t matter that the general official documents are slower. If there is an emergency, isn’t there still a flying pigeon? Is it really worth building such a huge post station system? ”

Zhang Yan still couldn’t help persuading him, because if Qin Huan’s idea was really followed, it would cost no less than ten million liang of silver every year. After all, horses are no better than pigeons, not to mention raising them as war horses.

“In my opinion, I have made up my mind!” Qin Huan’s face was stiff and he said something unpleasant. In fact, he was just pretending. He was not really angry.

Because if several women really obey him, obey his word and dare not say anything, he doesn’t want to see it. After all, they are headstrong and arrogant and can’t listen to others at all, it’s also very deadly.

Even if Qin Huan pretended, Zhang Yan didn’t dare to persuade the other three women, let alone the other three women. Qin Huan explained to them that the Royal firm was responsible for establishing a large warehouse in all provinces and many new policies of the bank. They asked them to take someone to check the leaks, supplement and improve them, and then organize them into official documents for sending to Nanjing.

After all, people in this era may not be able to understand what he wrote with his own cultural level.

In fact, the reform of banks is also very simple. In the past, banks were only simple exchange and recycling broken silver and copper money. They were not responsible for the storage business. Even the most basic remittance business was only open to the official yamen for salary distribution, military influence, tax payment, etc.

It’s not that Qin Huan didn’t want to absorb people’s silver deposits and remittances from other places, but the conditions are really limited. It’s very troublesome to operate, and there are many loopholes. Some things can’t be solved at all.

But judging from the current situation, we can’t do without reform and improvement. I’m afraid it will be affected and hinder economic development in a few more years.

To tell you the truth, it’s not urgent yet. You can get a large amount of money out, but it’s urgent to absorb people’s savings.

After much thought, Qin Huan decided to open the bank deposit and withdrawal business, which was divided into three types of customers.

However, when you withdraw money, you will receive five Wen at a time. If it exceeds one hundred liang of silver, you will increase ten Wen, if it exceeds one thousand liang of silver, you will increase one hundred Wen, and if it exceeds ten thousand liang of silver, you will need to make an appointment three days in advance. If it is a treasure, you will need to make an appointment half a month in advance. Moreover, if it is more than one thousand Liang, you must make an appointment three days in advance.

Because it is impossible for each county-level branch to store so many Yuanbao, up to 10000 Liang, 100000 Liang at the state level and one million Liang at the provincial level. The remaining Yuanbao should be stored in the headquarters.

Of course, in the future, when the central bank shop is launched, the Royal Bank will not be responsible for exchanging Yuanbao. It specializes in treasure notes, and the central bank will be responsible for exchanging Yuanbao.

The last one is gold customers. No matter how much they deposit, they have to pay a safekeeping fee of 100 liang of silver every year. They can withdraw money from all branches in the world.

However, in addition to the account opening bank, other states and counties in the province can only withdraw money once a month, other provinces can withdraw money once in March, county-level branches can take 10000 Liang at a time, 100000 Liang at the state capital level and one million Liang at the provincial level, and the amount of the head office is unlimited.

Gold customers have bottom accounts in all branches across the country, which are summarized and cleared once every three months. Such users not only have passbooks, seals and passwords, but also use fingerprints to distinguish them.

That is, a depositor’s fingerprint will be printed on the passbook. When withdrawing money, the depositor will press a fingerprint on the paper, which will be compared by the bank staff with a magnifying glass. At that time, each bank will carry out relevant training for the shopkeeper, and the production of magnifying glass is no longer a problem.

Moreover, if the passbook is lost, you can go to the opening bank to re handle it with your fingerprint, or you can re handle it at the head office, but you must apply three months in advance.

This kind of users are mainly those super giants. For example, Qin Huan wants to hold an auction in Wuhan. If businessmen from all over the world come directly with a large number of treasure bills or silver tickets, the risk is too great. I’m afraid they can’t sleep on the road. Therefore, it’s very necessary to handle a gold customer.

If silver customers and ordinary customers lose their passbooks, they can do it again. They only need the password and the identity certificate issued by the Yamen. Each passbook has a number and also needs to apply in advance.