Han Feng knew that Qin Aiguo was a master in finance, and he would have a high opinion as soon as he opened his mouth, and this was indeed the case.

Qin Aiguo said in the curiosity of everyone: "The regiment commander told me that our base area wants to rebuild the Beihai Bank and issue its own currency to prevent the Japanese puppet army from monopolizing the economy of our base area.

That's a good thing.

However, everything is difficult at the beginning, especially as a financial center of the bank, whether it is the savings, exchange, loans, or investment of the people in the base area, it will need to be implemented through the bank, and if you want to create such a bank and gradually issue your own currency, the process is not so simple, and if you are not careful, it is likely to lead to the direct collapse of your own unformed economic system.

In layman's terms, the first step is to have our own mint and have the ability to issue our own currency. ”

When Qin Aiguo said this, Political Commissar Xiao had already started recording with a pen and a notebook beside him.

Qin Aiguo continued: "As for how much of our own currency should be prepared at the beginning of the establishment of our bank, this should be carefully calculated according to the population and material situation of our base area, and then the exchange rate of our own currency and other currencies in circulation in the market should be formulated.

This is very important, and in layman's terms, it is a matter of determining whether our money is worth anything or not, and it is stable and unstable.

When all the work for this first step is ready, after that, we will start to set up our own bank in the second step.

What does it take to set up a bank? The answer is that for banks, the most important thing is reputation, and then the funds that banks can operate.

Banks have no reputation, and people won't save their money with you at all, so where do you get the funds to operate? What's worse is that the people don't even recognize the currency you issue, and no one in the market wants to use the currency you issue to buy supplies, and sooner or later such a bank will face the risk of collapse.

And for a bank, where does the credibility come from when it is just established?

Naturally, it is money, it is the heritage that belongs to the bank, and it is the reserve at the beginning of its establishment.

These reserves are very important, and they are ready to deal with a series of financial operations such as exchange or investment by the people, and without a large amount of sufficient reserves, it is difficult to guarantee the credibility of the bank, and the bank cannot be opened at all.

Judging from the situation in our base areas and even in the enemy-occupied areas and border areas, the biggest financial characteristic of these years due to the wars is that there is a shortage of all kinds of necessities, such as grain, oil, salt, and clothing, all of which are in short supply.

I've studied the situation, and it's even worse, whether it's the Japanese army or the fruit army, they start issuing and manufacturing large quantities of currency in their own jurisdiction, and when they can't even supply the army, they use that money to buy it.

This is actually the stupidest place, there is a shortage of materials, the people have not eaten or drunk, what is the use of you issuing a large amount of banknotes at this time?

It will only create a vicious circle, causing the currency to continue to depreciate, and in the end, according to my guess, at least half of the currencies in circulation in our market are expected to be worthless in five years.

At that time, the money in the hands of the people is not even as good as a piece of butt paper, carrying a basket of money, but not being able to buy half a catty of life-saving rice, such a currency, such a government, what is it that does not bring disaster to the country and the people?

Can the people trust them? ”

Xiao was already a little impressed by the pro-patriotism, and when the Beihai Bank was established, he also talked to the old employees about the bank, so he always knew more about finance than ordinary people.

He didn't expect that this unattractive young man in front of him would have such a thorough understanding of banking and finance.

Xiao couldn't wait to say: "Comrade patriot, if we set up a bank in our base area, how can we improve this situation?" ”

Qin Aiguo said: "We want to set up our own bank and issue our own currency, one is to get rid of the monopoly of the Japanese puppet on the currency of our base area.

On the other hand, because there is too much currency circulating in the market now, there are Japanese puppet armies, some fruit armies, and even some local governments have issued their own currencies, which has caused chaos in the circulation of money in the market, and sooner or later one day when these chaos is out of control, the financial situation of the entire region will be paralyzed.

Therefore, we issue our own currency, and there is a very important purpose, which is to ensure the stability of the financial system in our base area.

Maybe in the enemy-occupied area, when we can't buy half a catty of rice with a basket of money, we can buy half a catty of rice with the Beihai currency we made ourselves, and this is our victory.

Therefore, if we issue our own currency, we want to establish a stable financial system, how to stabilize it? Our currency cannot be printed and distributed indiscriminately, but must be constantly adjusted according to the material situation in the base areas and the wealth in the hands of the people, so as to ensure the steady rise of the economy of the people in the base areas as a whole, and continue in this virtuous circle, so that one day, the people in our base areas will be able to eat enough.

Among them, the role of our bank is to be responsible and establish credibility in the hearts of the people.

For example, when the fiat currency and counterfeit currency circulating in the market are not worth anything, our bank will take back these currencies through exchange and exchange them for our own Beihai currency to ensure that the money in the hands of the people can buy things.

If the people feel that our currency is not stable enough and is not practical, we can use the currency they want to exchange for them at any time, and in the long run, the people will naturally trust our banks and trust our currency, and then the people in the entire base area will consciously resist foreign currencies and choose to use the currency we issue.

Such an economic system in the base areas has already been initially established, and it is like an iron bucket, and it is absolutely impossible for the enemy to try to get involved. ”

Qin Aiguo thought for a while and said: "If we want to do this, first, we must have enough reserves, and second, we must squeeze out other currencies in our base area, such as fiat currency and counterfeit money, by improving the credibility of our currency and some policy means."

In addition, after this is done, I think the Japanese will definitely find a way to cholera our financial system, they may print counterfeit money, and then use it in large quantities in our base areas, so that our materials will flow out, resulting in a difference in the circulation of materials, and more or less lead to the expansion of our currency.

Therefore, there is a very important point in the currency we issue ourselves, and we must have our own anti-counterfeiting means. ”

Xiao couldn't bear it anymore, so he got up and said, "It's wonderful, it's wonderful!" Patriotic comrades, then you can also talk about it, how to do this anti-counterfeiting method? ”

"This ......" Qin Aiguo is not in a rut, he has worked in the devil's bank, and the anti-counterfeiting of people's currency is done through some exquisite means of printing money, but with the conditions of the base area, this is estimated to be impossible to do.

This is also something that can't be helped, your equipment and technology for making real money is not as good as the equipment and technology for making counterfeit money, and the fake money made by others may be more real than your real money!

When the time comes, don't talk about the people, just put the money in front of our own bank, maybe our own family members can't tell the difference.

Qin Aiguo smiled bitterly, everyone was not stupid, and they immediately understood the meaning, and they all smiled helplessly.

"The ability of the little devils to make coins is far more powerful than ours, if they want to make counterfeit coins, it is difficult for us to beware, this is a hurdle, we will not be able to avoid the problem in the future."

Han Feng suddenly remembered something, and said with a smile: "Commander, political commissar, patriotic, I have a way." ”

"Oh?"

In the expectation of everyone, Han Feng smiled: "We don't have the technology to do anti-counterfeiting. However, anti-counterfeiting does not necessarily require too advanced technology.

For example, our currency issuance will be issued according to the demand of the people in our base area, and the amount will never be too much, and the currency will circulate back and forth in the market, or it will not be long before it will be crumpled and old.

This is a good anti-counterfeiting mark, our money is crumpled, and even smells of sweat on the hands of the people in our base area.

Can he forge such a currency?

It's really not good, when we issue currency, we occasionally put some anti-counterfeiting signs in the inconspicuous place of the currency, or the pattern we designed ourselves.

When the time comes, our propaganda comrades will hand over these anti-counterfeiting measures to the people in the base areas, so that every one of them will know what is real money and what is fake money.

Aren't these all our special anti-counterfeiting measures! ”

Now it was Han Feng's turn to surprise everyone.

Xiao sighed with emotion: "Comrade Han Feng, I suddenly feel that you are also very talented in finance, and it is a pity to lead troops to fight." ”

Han Feng: "......"

He was also depressed in his heart, he didn't want to do this, he just didn't want Qin Aiguo to be in the limelight too much.

Otherwise, even a blind person can see Qin Aiguo's talent in finance, let alone Yang and Xiao, who have a vicious eye.

When the time comes, he Han Feng still wants to kidnap such talents? Don't even think about it.