66 Industrial Bank, Commercial Bank

"There is another thing, that is, send your backbone, veterans, and those who love to learn to me to Lao Tzu, and Lao Tzu will give them lessons. Feel relieved. Lao Tzu doesn't want your people, Lao Tzu wants to teach them a lesson, so that they can understand what it means to fight a war and how to use new weapons. This unit is called the teaching team, or the unit directly under it. Shang Wu said.

"Yes, sir." It made them very happy to hear that Shang Wu was going to teach their backbone how to fight, and in this way, their team would only get stronger and stronger, because they knew that this commander of their own knew how to do witchcraft, phew, what kind of witchcraft, it was immortal magic. But what is it called science and technology? With something like this, you can constantly replenish them with a lot of weapons. And these new weapons, they still need to use them.

"Sir, we can rest assured, even sir, we have to give us some good weapons." Kuroko coaxed.

"Well, there's one more thing you remember for me. Guerrilla, guerrilla, if anyone lets the guerrilla tactics be used on the common people, I will definitely not spare him. Shang Wu said very harshly.

"When you meet the common people in the future, gather all those common people and send them here, and don't hurt any of them. This matter was decided. "Shangwu knows that talent is the most valuable, and with people, they can do a lot of things.

"Alright. That's it for the time being. Remember the last one, and I'll let the gendarmerie supervise you. Shang Wu said. Everyone said they had written it down. All of a sudden, the officers and the backbone were gone. The rest is a civil affairs affair. The officers, by contrast, were excited that they could finally make a big difference. They are eager to expand their army all at once, but unfortunately, they must respect the objective law, otherwise, they will not be able to develop such a big thing at once.

"The military side of things is done. Let's talk about our civil affairs. Shang Wu said.

"In this civil matter, I think the most important problem is the lack of money and land, we are not short of projects, we are not short of people, we have a lot of people." Shang Wu analyzed the basic situation. Everyone nodded their heads to indicate that this was the case.

"So, let's solve the problem of money and land first. That's what I think, there are a lot of people. Naturally, we need a place to eat, and we still need to continue to rely on the Agricultural Bank of China, so next, we need to expand the scale of the Agricultural Bank. We have to set up branches, sub-branches, even in small places, so that the farmers can concentrate their land in our hands. So, this scale needs to be expanded. Shang Wu said.

"Sir, this manpower?" Ergou said in embarrassment.

"Recruitment. You pig brain, you can't do such a simple thing, if you want to do something, you have to find someone, as long as the people who can read and write can recruit us, they can work in the bank, if they don't want to, you can also get them a teacher, we will pay for it, let the children of those farmers come to study, in this way, for their children, these farmers will come to do this. Shang Wu said.

"But sir, there will be more of them. Farmers who have lost their land, if they can't be properly resettled? An official recruited by Ergou said worriedly.

"Good. This question is very good, and I will do it in the future, and if there is a problem, write a report and submit it. Shang Wu encouraged. Officials who have such ideas are good officials, and Shangwu should actively encourage them, because they will come up with some creative ideas.

"So, we're going to set up an industrial bank, a commercial bank. Active development of trade, industry. Engage more people to solve trade problems. Shang Wu said.

Such thoughts frightened everyone at once. Because they never imagined that Shangwu would come up with a plan for an industrial bank and a commercial bank. This took them by surprise.

"Behold, if we encourage the merchants to come here and do business, they can provide us with the necessary things, such as sulphur, and iron ore, and cloth, and salt, and we will only levy five percent of the tax on them, which is not much, but the problem is that they will all come here and do business with us, so that we will not lack anything here." Shang Wu said.

"Commercial banks are doing this kind of business. Although we were still losing money at the beginning, we used the accumulated wealth to buy such goods, but it greatly satisfied our needs. This is a problem that no one else can solve. There is also the issue of population, which is the matter of the Industrial Bank. We can let those rich landlords, farmers invest in things like that, or businessmen can too, we have a part of the money, lend it to them, let them invest, produce something. In this way, our factory will be able to solve many problems. For example, we have food factories that can make things like instant noodles or other foods. Canned food, whatever, these can be produced. It can also be used for aquaculture production, and the industrial bank can take out loans. Shang Wu said.

"In addition to this, there are textile factories, arsenals, and with these factories, we can expand on a larger scale and solve the problem of employment for more people. Our power can also be expanded. Shang Wu said. Shang Wu first solves economic problems, and to solve economic problems, must face financial problems, Shang Wu is to study finance, he knows, the role of banks is far more than any kind of industry, not only that, with banks, or control of banks, can do a lot of things. This is also an important role in the development of capitalism, first appeared in the banks of Italy, then the development of Spain, then the Netherlands gave rise to the financial industry, and the British invented bonds, followed by the Americans to promote more financial products, which established the status of the world hegemon, so to speak, if not to do so, the martial arts to achieve their own business. So, the key to solving the problem is in the bank.

"But, sir, we don't have that much money." As soon as Ergou calculated it himself, he knew that things were not simple. Because it takes a lot of money.

"It's not a big problem, we have to convince the rich people to get involved, like businessmen, and we can sell our shares. At the same time, we use customs duties as collateral, we control the transportation arteries from Handan to Julu, we set up cards here, and the taxes paid by merchants are also quite large, not only that, but we also have bonds, shares, as long as they think they want, they can do so. Shang Wu said.

"Hmm. Sir, we listen to you. "It's much more than everybody understands, because they simply don't know what to do next.

Shangwu smiled. He decided to engage in a public-private partnership, that is, the industry of the Red Turban Army attracted some people to participate, especially the wealthy and businessmen, which was the best use of some resources by Shangwu at present, and with their support, Shangwu's industry could develop rapidly. At the same time, it is also a great deal to share too much money, concentrated on the land, and industry, and the demand for industry, can greatly slow down such an industry.

"Now your task is to tell them that we can get them to join our factory, and as collateral they can buy riskier stocks. It is also possible to buy bonds that are less risky. Either way, they just need to buy some, and it's okay, after all, we have to give them interest. Shang Wu said.

Ergou didn't know what stocks were and what bonds were, but Shang Wu quickly told them what stocks, bonds, and financial developments, and Shang Wu told them that it was a big industry. Moreover, stocks and bonds can be transferred to each other, and the Red Turban Army provides such a platform, and this platform is the securities market.

Shang Wu thought about it. Since such a thing has appeared, it is better to simply appear at once to solve the problem. Of course. This raises another question, which is bonds, because bonds need to be standardized. Standardization needs to involve the problem of printing, the paper problem is not very big, because the paper workshop of Shangwu is in rapid production, but if it cannot be put into production engraving printing, this problem is difficult to solve.

It seems that some problems still require a lot of skills to a certain extent, but fortunately, there are many carpenters at Shangwu's hands, and many of their skills are still very first-class. Shangwu does not lack such personnel.

Immediately, the two dogs began to get busy. They first have to convince the rich people to get involved, and if they don't get involved, a lot of things can't be carried out, and this will create great contradictions. Fortunately, Shangwu can quickly solve all the problems,

Of course. Shang Wu still had some things to do, and as the number of people grew, he found that at a certain time, a government would need to be formed, and without government jurisdiction, there would be big problems.

Shang Wu began to design his political structure, or rather, there should be various departments, such as, finance, economy, civil affairs, justice, national defense, etc., in addition, there was a need for a complete judicial system, Shang Wu felt that the judiciary should be made independent, this is the most basic requirement of the separation of powers, which is a huge reform for the ancient people. Of course. There is also legislative power, which requires each region to elect relevant personnel to form a parliament and form the relevant laws, which may be the first possible system to appear. Although there may be various problems ahead, Shang Wu feels that these things should be completed as soon as possible. Otherwise, the delay in the rest of the matter will delay everything. Of course. Shangwu first had to solve some technical problems.

The ironworks, as Shangwu called the Machinery Factory, were actually blacksmith shops, and the blacksmiths were crafting weapons, repairing some weapons, of course. They also make special things, such as horseshoe, which was drawn by the martial arts, and stirrups. This is the most crucial thing for cavalry.