The beggar emperor at the end of Ming Dynasty

Want to build such a paper transport channel covering the whole country, and high efficiency, the human material consumed is absolutely huge.

Qin Yu didn't know, it was also scared, he just estimate it, and he got a minimum of three or four thousand transit stations, plus all provincial branches and headquarters, and the minimum required 10,000 people, 3,040,000, will be absolutely no less than 10 million annual overhead.

After all, the horse does not need thousands of rild, but it is absolutely tall to fight, otherwise it will strike a 50 mile, absolutely to run.

However, even if it costs, he is also built. Although it seems to be a bit of loss, once it is completed, it will greatly improve the contribution of the court to the provinces, but also respond to emergencies in time.

In fact, there is such a function of this function, but there is no improvement of Qin Yu, because the ancient station is not only responsible for the transmission of briefs, but also the official service.

And his mail, don't say the official official, even the ordinary people's letters must be stipulated, the paper is too big, too much, must be divided into two copies, so it is best to buy a mail special paper envelope.

Originally, Qin Yu is not intended to pass the letters to the people. After all, no one is willing, and the money is less or not, but I think that the usual court may not pass, but it is not as good as it is not as good. Earn money, make up for huge overhead, but also let the people from the transfer station will not be idle.

At the same time, it can also greatly facilitate the people. After all, in the future, Daqin should implement the system of servie service. Many children must go to the field, so ordinary envelopes are not expensive, Qin Yu is ready to set a hundred, but if you want to speed up again Pay more than ten silver sons, you can enjoy the transfer of ordinary official documents, the main object is naturally those big business.

When Qin Yu shared his own plan to Zhang Yan a few women, a few women were stunned.

"Your Majesty, this labor teacher moves, spending such a big price, just adding some of the express delivery to a few worth?" Zhang Wei's show.

"Of course, the information is transmitted. This thing seems to be a little bit a little bit is not big. In order not, the specific and you can't say it. You just have to perfect the specific rules and regulations."

Qin Yu was swaying. He also determined a rough architecture. It is specifically implemented to involve a lot of details. These things he didn't think about it.

For example, how does the horses horses manage, how is the salary of personnel? Is it a residence or rotation? How long does the horse are replaced once, and if you are damaged, you need to improve the reasonable system, otherwise the cost of operation cannot be estimated, but I am afraid I will still become a pot of porridge.

"Your Majesty, not the minister, the general document is slower, but it is not tight. If there is an emergency, don't there be a flying pigeon? When you value such a huge station system?"

Zhang Wei still did not hold back, because if necessary, according to Qin Yu's idea, the money spent on the annual expenses, I am afraid that there is no more than ten million. After all, the horse is not better than the pigeon, let alone becomes Malay.

"The woman's opinion, this matter is decent!" Qin Yu face a plate, some unhappy, in fact, it is only doing it, it is not really angry.

Because a few women really give him a speech from him, only Ino, I don't dare to say, but I don't want to see it. After all, I have been self-contained, I can't hear someone else, it is also very important.

Even if Qin Yu is doing, Zhang Wei does not dare to persuade, other three women don't have to say, Qin Yu is explained to them, and the Royal Firm is responsible for establishing a large warehouse in various provinces, and many banks. The new policy is letting them bring people to check the piety and then organize into the form of official documents in order to send to Nanjing.

After all, rely on his own cultural level, writing something, people in this era, really don't necessarily understand.

In fact, the bank's reform is also very simple. The previous bank is just a simple redemption, and it is not responsible for the storage business. Even if it is the most basic remittance business, it is only responsible for the official of the official, used to issue Military sound, payment of taxation, etc.

It is not that Qin Yu doesn't want to absorb the people's silver and differently remittances, but the conditions are really limited, and it is very troublesome to operate, and there are many vulnerabilities, and some things are not solved.

It can be seen in the current situation, no reform is perfect, and then develop a few years, I am afraid it will be affected, and it will hinder the economic development.

Remittance in the same place, saying that the truth is not anxious, you can make a large amount of silver ticket, but absorb the people's deposit, but it is already imminent.

After another thoughts, Qin Yu, decided to start the bank, and divided into three kinds of customers.

The first ordinary customer, in which bank is stored, can only be taken in which bank is taken, do not charge any storage fees, only the cost of the cost and seal fees, the minimum to save one or two silver, save money, do not receive any procedures fee.

But when you take the money, you will receive a five-piece money. More than one hundred and two silver increase ten, more than a thousand two silver increases, more than 10,000 two silver, if it is a baby-banknotes need to make three days in advance, if it is the ingot need to be half a month in advance Appointment, and whether it is redemption, or takes more than one thousand two, you must make an appointment three days in advance.

Because each county-level branch can't store so many babies, you will have 10,000 yuan in the state, and the provincial millions of government-level, the remaining ingot is to be hoarded at headquarters.

Of course, after the central bank shop is launched, the Royal Bank is not responsible for the exchange of ingots, specializing in the treasure banknotes, and the central bank is responsible for exchange ingots.

The second customer is silver customers, which can be free to withdraw money in the province, but except for the departure of the account, other state counties are only limited to one thousand two, the county-level banks can take up to one thousand two, the state is 10,000, provincial ten Wan two.

However, if you pay the insurance fees, no matter how much money, you have to pay the tax payment fee of ten silver every year, automatic deduction, the account payment amount is less than the decline, the fee fee of the money is exempted.

Silver users not only have passbooks, seals, and a password, such an account, all branches in the province will have base accounts, and settle once in January.

The last kind of gold customers, no matter how much, every year, you must pay a hundred silver keys, you can take money in all the branches of the world.

However, in addition to the open house, other state counties in the province can only take the money once, and the province has taken once, the county-level branch can take 10,000 yuan, the state-level government-level 100,000, provincial-level million two The total bank is not limited.

Gold customers have base accounts in all branches in the country, three months summary, this kind of user, not only have a passbook, seal, password, but also refer to the fingerprint.

That is, the passbook will print a household fingerprint with a household, and pay the money, the household is in the paper, and the bank staff holds the magnifying glass compared, and each bank will train the shopkeeper, and the production of magnifying glass is also It's no longer a problem.

And the passbook is lost, you can go to the bank to re-handle it, you can also apply at the head office, but you must apply for three months in advance.

The objects of such user owners are mainly those super giant, such as Qin Yu to open auction in Wuhan, if the merchants from all over the place are directly to participate in a lot of treasure banknotes or silver tickets, the risks are too big, I am afraid that the road is not sleeping. It's necessary to handle a gold customer.

Silver customers and ordinary clients are lost, and they can also be replenished. They only need passwords, and the identity of the Tuen Mun is proved that each version is numbered, and it is necessary to apply in advance.