Nothing was said all night.

The next day, Fengtian City was a little more charming, and the order on the streets was surprisingly good. After a night of storms, with the fall of several giants, the financial turmoil was suppressed, and economic life was back on track. Now, it is time to receive the fruits of victory.

Zhang Zuolin, Zhang Hanqing's father and son's family raiding guards have been reported frequently, and they have made great gains. The income not only made up for the loss of Zhang Zuolin's private small treasury, but also made the economic income of the father and son jump to the level of Fengtian dignitaries. You must know that this battle has almost taken half of the industrial bank and the entire gold shop, shop, and money village under the name of Huang Xianting, the richest man in Fengtian, as his own, and his income has not only doubled! However, they are not clean, and Zhang Hanqing takes them for granted.

However, Lao Xiao Zhang made a lot of money, but he couldn't help but take care of it, after all, everyone saw it in their eyes when they used public weapons to enter a private room. However, Xiao Zhang had an idea, and he said to Lao Zhang in private: "Does my father think it is necessary to hold the money bag in our own hands?" Xueliang now has an idea that we will use the money to set up our own bank, one of which can control the economy of Mukden so that outsiders cannot intervene; Second, it is also convenient for us to use money, we don't have to be tied by outsiders at critical moments, and outsiders can't say what we are not. ”

This remark is very attractive to Lao Zhang. Due to financial constraints, Zhang Zuolin was thinking about how to get money to expand armaments almost all the time. He also borrowed money from the Japanese several times, but almost all of them gave benefits to the Japanese at the same time, which made him very unwilling. If Zhang Hanqing can really solve this problem, it will be great. He has a different mentality towards this eldest son now, Zhang Hanqing can always say that his heart can still make him comfortable, and his ideas are endless but extremely effective. Needless to say, this is different from drinking foreign ink---- to this day, Lao Zhang still thinks that Zhang Hanqing's achievements come from the famous and foreign teachers he hired heavily.

However, Zhang Hanqing did reassure him: he showed the spirit of a young hero in Beijing, who could not only poach people but also get money, and also let him make a lot of money in the hands of a generation of heroes and old Yuan; Being able to put down his body and mingle with a group of big bosses in the barracks, and fight out of it to control the Guards Brigade, although this has his own credit, but if it weren't for a few brushes himself, he couldn't stop the army of 10,000 people as a sixteen-year-old boy---- that is the army, pay attention to seniority and ability! I also admired the performance of the Guards Brigade, and the performance of this new army in suppressing bandits was impressive. The point is that the eldest son's last assassination was an important moment and his father-son relationship was more reassuring than water.

Politically, he has drummed up what land reform and what military cantonments, although the results are unknown, but this frame and thinking are still correct. At least, his eldest son's heart is all on military politics, not like many losers spend a lot of time on losers, and that's enough. also performed brilliantly in this financial crisis, as if the political, economic and military are omnipotent, which made Lao Zhang even wonder, is this kid his Zhang Zuolin's species, why is he so good at tossing? Fortunately, he is similar to himself in this part of the romance. Naturally, Zhang Hanqing's absurd scene last night reached his ears, after all, the person led by the young marshal was the guards of the marshal's mansion, not the guards of the young marshal.

Although he is the overseer and governor of Fengtian, Lao Zhang does not have the consciousness to give away the fat meat in his hand, although the palms and backs of his hands are full of meat. The current Fengtian is not completely his own, if he gets to that point, Lao Zhang's thinking may be a little open-minded, right?

How to turn this well-known income into his own legally, imperceptibly, and undoubtedly, he looked forward to Zhang Hanqing's opinion: "Well, you can talk about it." ”

Zhang Hanqing began to reveal his private goods: "Father still remembers that some time ago you injected a sum of money into the 'Fengtian Farmers' Fund Credit Cooperative'? This cooperative is now headed by Feng Zhi's brother Ao Zhou as the general manager, and the amount of savings has reached 5 million. ”

That's a lot of money, Zhang Zuolin thought.

But what Zhang Hanqing said still surprised him, and he couldn't help but examine the IQ of his eldest son even more: "The banking industry has always been at least ten times leveraged, and only two million in equity can absorb five million in savings, which is too little!" ”

Although he didn't understand what leverage meant, Lao Zhang still roughly guessed, this kid is going to transfer the bookbag with Lao Tzu. Although your dad and I can't read a few big characters, as long as it has something to do with money, Lao Tzu is good at it.

"Why? Because Mukden's financial order is not good. There are so many large and small banks, which leads to fierce competition. And most importantly, the decision-making power of the bank is not in the hands of the father. For example, Fengtian Industrial Bank is a joint venture between government and business, and the official capital is less than 30%, but the official capital is controlled by the central government, but this is still good; For example, the Industrial Bank and the Agricultural Bank were completely out of touch with my father, and although they were located in Mukden, my father had to borrow money from the Japanese. Xueliang means that we take advantage of the opportunity of the Fengtian reshuffle to build our own financial system! ”

Zhang Zuolin became interested: "How to do it?" ”

Zhang Hanqing said: "My father converted the confiscated items into cash, integrated them into a bank, and then restricted the access of other banks, making this bank a monopoly. If you pool Mukden's spare money, does your father know how big it is!? ”

Why didn't Zhang Zuolin know? As long as there is no run, banks can theoretically issue money endlessly, which is really much more convenient for themselves. It's just that the impact of this incident is very great, and a little carelessness will cause a backlash from many parties. After all, the land reform only affected the local landlords in a county, and the banking industry had to involve all aspects.

Zhang Hanqing has been saving this idea for a long time, and now is the time to make a big difference. He said to Zhang Zuolin: "Of course, we will not come hard, and we will only use a certain bank to go public through a backdoor listing in the early stage, but we can take advantage of this run to promulgate several regulations: withdraw all the bank's coinage rights and currency issuance rights in Mukden, and their function can only be to absorb savings and lend money; To limit the development of small and medium-sized banks, it is necessary to let Fengtian form only a few influential large banks to enhance its competitiveness; Only the banks supported by my father will have the right to issue the 'One or Two Ocean Exchange Notes', and the Financial Services Agency, which we plan, will set up and intervene in the restructuring of the banking industry as soon as possible, and we will have to firmly control the reserve ratio of the banks. ”

The first two are limitations; The latter one is a monopoly; Finally, there is regulation. I can't help but say that Zhang Hanqing's idea is very vicious, completely stuck in the lifeblood of the banking industry, and it is reasonable, and the whole article is to stabilize the economic order of Fengtian and make others speechless.