"Master Hou, what are your orders?"

Yang Kun saluted after coming in, and after Fan Caiying served tea, the two exchanged a few words, Chen Xu's face slowly became serious and said, "Now Huaxia Qianzhuang is getting bigger and bigger, and there are more and more branches, but all kinds of things are becoming more and more complicated, so if this continues, Qianzhuang will become more and more chaotic. ”

Yang Kun tugged at his beard and pondered for a long time and nodded and said: "What Hou Ye said is that this matter has actually been discussed by Fan Niangzi and Yang Kun, but Kun is mainly responsible for preparing for the construction of cement roads across the country, and he has no extra energy to think about this matter. It's just that how to clarify Kun feels a little clueless, Hou Ye still talks about your opinion, Kun and Fan Niangzi are responsible for checking and filling in the gaps! ”

"Isn't that the same as not saying it!" Chen Xu couldn't cry or laugh.

"Hehe, this money village is Hou Ye's initiative, how can Kun compare with Hou Ye, those who can work harder, as long as Hou Ye comes up with a method, the rest of me and Fan Niangzi will naturally arrange it properly, and we will definitely not let Hou Ye worry about it!" Yang Kun smiled dryly and arched his hand.

In the face of Yang Kun's shirk, Chen Xu actually knows that this kind of thing makes it difficult for them to find a way, Yang Kun's strength is that he has a very deep understanding of business, and he also has a strong ability to operate, Dongfang Dao is so heavy and complex things that he manages in an orderly manner, not to mention that the construction was completed within a year, not to mention that there are almost no forks in the middle, and this business control ability can not be compared with a few in the world, at least among the people who take refuge in Chen Xu, Yang Kun is the most sensitive and sensitive one in business, and he is also very stable, so Chen Xu's purpose in bringing him in was not to let him think of a way, but to push him up and hand over the divided affairs to him.

After all, Huaxia Qianzhuang was planned and operated by Chen Xu, even if he wanted to spin off many of these businesses and hand them over to the Shaofu and the imperial court, but this person not only needed strong ability, but also had to be obedient, otherwise once these businesses were out of control and fell into the hands of Li Si, then it would be very inconvenient to handle many things in the future.

"Ben Hou thinks so, you see......" Chen Xu took a few pieces of paper that he had taken the time to write before Yang Kun came and spread them on the desk, "Although Huaxia Qianzhuang is currently divided into three departments: the clearing center, the commercial center and the government affairs center, but generally speaking, it still belongs to the same Qianzhuang, so a large number of affairs still fall on the Qianzhuang headquarters in the end, in fact, it is only a little clearer at most, but if it goes on like this for a long time, it will greatly consume the energy of the senior management of the Qianzhuang, and it will also greatly consume the financial, material and human resources of the Qianzhuang. Ben Hou's idea is to completely separate the government affairs center to form a financial bureau, which will be under the jurisdiction of the imperial court, and in the future, the tax and the imperial court revenue and expenditure will be coordinated and managed by the imperial court itself and the three provinces, six counties, and county governments, and the money bank is only responsible for helping to deposit and withdraw loan funds, returning to the original function of the money bank......

"Master Hou, this idea is good!" Yang Kun's eyes lit up and he nodded again and again.

Fan Caiying's eyes also flashed brightly, "Once this part of the court is divided, the pressure on Qian Zhuang will be half easier!" ”

"In addition to this part of the court, the other is the clearing center, which should actually be the most stressful part of the money bank at present, because a large number of counties and counties across the country need to be summarized and liquidated, not only the court part, but also the private business part, because the accounts are too complex and the amount of funds involved is too large, any small negligence or mistake will lead to huge financial security risks, so Ben Hou's idea is to prepare a central bank......

"Master Hou, it doesn't make much sense to open another money bank, these things don't have to be handled by arrangers!" Yang Kun spoke.

"Yes, opening another money bank will require re-staffing, and maybe it will be even more chaotic!" Fan Caiying's beautiful eyes also showed doubts.

"The central money bank I am talking about is actually not a real money bank, in fact, it can only be regarded as an independent clearing department, which can be called a clearing bank, which is similar to the function of the headquarters of Huaxia money bank, not opening any external business bank façade, but the function is not only liquidation, but to standardize the operation and management of all money banks in the world, that is, to formulate rules, and at the same time supervise the issuance and recovery of coins and the circulation of bills. This bank is above all commercial banks! ”

"Hou Ye's meaning Cai Ying probably understood, that is, gradually a new imperial court government standardizes and manages all capital transactions in the world, and can even settle a large number of capital transactions between different commercial banks and household departments and Shaofu!" Fan Caiying stood up in surprise and looked at a piece of hemp pulp paper scribbled by Chen Xu and said.

"I see, the name of this central money bank is called Qianzhuang, in fact, it doesn't care about money, only the circulation and exchange of funds!" Yang Kun followed Chen Xu for a year or two, and was originally a clear-headed business wizard, although he did not involve finance on weekdays, but after all, he had been dealing with Huaxia Qianzhuang for a long time, so he quickly understood the truth.

"Yes, that's it, this central bank is actually a separate office, and in order to ensure the safety of funds, this bank does not belong to any government of the three provinces and six ministries, and directly belongs to the emperor, which can be regarded as the wealth center of the entire Great Qin, which integrates the minting and issuance of bills, the operation and liquidation of commercial banks, and completely strips the liquidation business of commercial banks, and this bank can also issue treasury bonds according to some large-scale national projects, so as to make up for the lack of financial budgets for some projects!"

"What is a national debt?" Yang Kun and Fan Caiying looked at Chen Xu at the same time.

"The national debt is the national debt, on weekdays, a businessman wants to run a business, but lack of money, what to do, then find a person or money bank loan, with credit and physical collateral, this is ordinary private debt, but for example, Daqin now wants to build a huge project such as the Oriental Road, the household and the Shaofu are unable to support such a huge expenditure What to do, in the past, Benhou relied on fund-raising, relying on the high return of the Oriental Road to attract businessmen and wealthy people to invest, so that each takes what they need, and businessmen dare to invest a large amount of money to solve the financial dilemma, But it is impossible for every national project to have such a huge return, such as the construction of irrigation reservoirs and ditches and other livelihood projects that do not have any income, what to do with the previous Great Qin are to conscript people's husbands and prisoners and slaves, and the imperial court supports it with taxes and grain, but what if the country's taxes and grains are not enough to support it? Then it can only be delayed, but the longer some things are delayed, the more detrimental to the development of people's livelihood, what should I do? Then the imperial court can issue national bonds, which is actually equivalent to a kind of delayed redemption, that is, this kind of redemption can not be withdrawn and cashed in the money bank immediately, and it needs to wait until a few years later, and in order to ensure that the redemption can be enough to attract rich businessmen to exchange cash in cash, the interest rate of this exchange will be set higher, for example, at present, the exchange of Huaxia money is not interest, only the deposit has interest, this kind of redemption is actually a kind of deposit certificate that can be withdrawn at a regular time, and the interest rate is much higher than that of ordinary deposits. In this way, many businessmen and wealthy people are willing to deposit their money in the bank, and then the court will use the money to complete the project, and after a few years, the court will have the ability to pay, and slowly accept these bills......"

Chen Xu has a little understanding of the treasury bonds of later generations, because in fact, many of the wealth management projects of the Bank of the future have treasury bonds to invest in this piece, a large number of currency funds will invest in treasury bonds to ensure the stability of the fund, and can also ensure a relatively stable income, Chen Xu since the stock speculation loss pants have fallen off, under the advice of friends to buy some currency wealth management funds, although the income is not too high, but it is much safer than stock speculation, Therefore, treasury bonds are almost the favorite investment projects of all commercial banks and financial units in later generations, and every time treasury bonds are issued, ordinary people can't buy them at all, and they are quickly emptied by commercial banks and financial units, and then use national bonds as collateral to carry out more financial derivatives.

Of course, Chen Xu's purpose at the moment is not to fool people to buy insurance, and he does not plan to carry out insurance business, because there is no energy, and there is not much need, the main task at the moment is to completely separate the three different functional departments of the commercial bank, the central bank and the Ministry of Finance, so that the business belongs to the business, and the court belongs to the court, and a commercial bank cannot be allowed to bear the will of the state, which is very dangerous.

With Chen Xu's words, Yang Kun and Fan Caiying both became excited, and their eyes were full of various emotions when they looked at Chen Xu.

Especially Yang Kun, if he had an axe in his hand, it was probably possible that he couldn't help but split Chen Xu's head to see if there was a white-bearded old man hiding inside.

With such an unbelievable method, such a chaotic situation in Huaxia Qianzhuang was analyzed clearly and clearly in his words.

And once it is put into practice, it will have a very clear function and positioning at both the national level and the business level in the future.

For the next half of the day, Chen Xu was at the headquarters of Huaxia Qianzhuang and Fan Caiying and Yang Kun, the two most important assistants in business, to discuss the division of Qianzhuang, and after going back, both of them wrote a detailed plan according to Chen Xu's proposal and combined with their own ideas, and Chen Xu was not idle, and spent five days repeatedly discussing and discussing with the two, and then summoned the heads of the three departments of Qianzhuang and the officials of the imperial court and Shaofu stationed in Qianzhuang to discuss.

During this period, Chen Xu almost ate and lived in the headquarters of Huaxia Qianzhuang, and when he was tired of discussion, he would secretly take time to relax with Fan Caiying in the lounge to enjoy his body and mind, and after a few days, not only did the matter of dividing Qianzhuang gradually become clear, but also Fan Caiying's tired and haggard cheeks also showed the smoothness and tenderness after moisturizing the rain and dew, not only became full of energy, but also completely relaxed and relaxed, and the whole person looked like a peach as ripe and tempting.