It will take some time for the problem of water piracy to become a serious economic threat. And Qin's domestic financial problems have begun to appear some rumors.

In order to absorb deposits. Solve the problem of funding. Yingyu unilaterally raised the bank interest. The move first reacted hugely in the stock market. Xianyang Wenyang Index of the day. The index collects 100 weighted stocks of the Qin State. The stock index fell sharply by 90 points. It's almost a plunge. Many stocks fall as soon as they open on the day. Investors are at a loss. The market sentiment is very panicked.

Newspapers have also come up with speculative reports. Although some of the articles are very unreliable. But it basically points to a problem. That is, the tightening of bank funds. Insufficient deposits in the bank.

This conjecture soon sparked a run on the Qin state. A large number of people took their bank passbooks to the bank and withdrew their money. Because they are afraid that the bank will have no money to take.

This time Yingyu had an even more headache. I thought that raising the interest rate would attract more people to deposit. But I didn't expect it to have the opposite result. A large number of people flocked to the bank to withdraw cash. There were people everywhere in front of the bank. Bank security guards do their best to maintain order. Meantime. The government also sent a new type of police. In the past, the style of servitude was strongly criticized by the newspapers. In exchange for a good impact. The state of Qin changed the government service to the police.

The arrival of the police did not stop the run either. The reserves in the bank were quickly depleted. Banks had to close early for a break. At 1:10 p.m., the gate was forcibly closed. The stock market fell sharply again after getting the news. In particular, bank stocks. The impact was significant. A large number of sell orders are put out.

After Shang Wen received the news, he hurriedly called Yingyu.

"Hey, where are you ......" Shang Wen asked anxiously.

"No money." Yingyu shouted directly after receiving the call. Then slam the phone off. Shang Wen heard Yingyu's yelling on the other end of the phone. Feeling that something is not good. Hurry up and fight again. Yingyu was disgusted by the ringing of the phone. Casually pulled out a bronze sword from the weapon rack behind him and cut down the telephone line. Then Yingyu lay on the phone weakly.

The phone was not connected for a long time. He immediately drove to Yingyu's office. At the door of the bank. Shang Wen saw the crowd of people. This is not a good sign. This, in turn, could lead to the collapse of a bank run. If the bank fails. It is estimated that the entire Qin economy will enter an era of decline. This is a sign of an economic crisis.

And on the other side. Xiao He was looking for the cause of the problem from a large number of reports. The reason is not just the war factor. Economic problems are often a ripple effect. It's not just one cause that can trigger a cascade of other causes.

Xiao He saw a surprising phenomenon from the large pile of information. This phenomenon has been overlooked before. The number of bank loans outside Qin's mainland almost exceeded the total amount of the mainland and several new states. This means: The banknotes in the Qin State ran outside. The amount of money in the Qin state was initially set according to the development of the country. But now. Obviously, it can't be counted like that.

The era of Qin's capital export has been going on for some time. And this period was almost the vanguard of the era of capital expansion.

Qinguo Bank was set up in Zhao, South Korea, and Yan. The way loan sharks are calculated compound interest puts a lot of pressure on many people. This is not conducive to the economic development of these countries. But the entry of Qinguo Bank. Let the loan shark industry enter a low front.

Low interest, simple interest calculation, high-quality service attitude. This made more people in Zhao, Han, and Yan choose Qinguo Bank. Plus Qin Banliang is widely used. Almost all of them had huge trade with the Qin state. Qin Banliang is also very strong. Because they have a large enough gold reserve behind them. That's why. Let a large number of Qin half two banknotes unknowingly enter places outside the Qin State.

Low interest rates have brought about a huge investment boom. In particular, the Qin state lowered some of its technical restrictions. Allow a large amount of capital to be exported. Qin Banliang quickly flowed to foreign resident banks within a few months of interruption.

Zhao Guo's coal mines, transportation industry. There are also a large number of construction industries that have the shadow of the Qin State half-tael banknotes. A factory with a high concentration of labor in Korea. construction of railways, highways. Timber, medicinal herbs, slave markets in the Yan Kingdom. Qin Banliang is everywhere in these countries.

These countries also tried to get rid of Qin Banliang's control. But apparently it can't be done. Zhang Liang has studied this bill. But it can't be enforced. There are more Qin and half taels in circulation in the market than the national currency. Even the taxation is settled in Qin and a half. If you rashly don't use Qin Banliang. Then the consequences will be very serious. In the end, the matter had to be settled.

"The most powerful thing about Qin is not his army. It's that they're cheaper. But it is a very valuable Qin half-tael banknote. Zhang Liang sighed. The Qin half-tael banknote plays the role of a pioneer of expansion. Half-tael notes are more terrible than any army. You don't even know you've been invaded.

Qin Banliang's banknotes would never stop him. As long as there is economic dealings with Qin. There are shadows of him. In the state of Qi, the state of Wei, the state of Chu. Qin Banliang can be seen everywhere. Qin Banliang can buy back the sea salt of Qi, silk, ore, and rice of Chu, and let Wei produce rich wheat for Qin.

With the beginning of Qin's economic expansion, Qin Banliang has unconsciously had a tendency to replace the currencies of various countries. This trend can be seen as the blood of unity. Half a tael of money with a variety of nutrients to integrate the world into a whole. This is the fulfillment of a historic mission. Economic ties are far stronger and more reliable than unification wars that rely on force. And the interdependence is very high. No one can solve problems by force alone.

No matter what. One fact has not changed. That is, the Qin state still carried out the expansion of primitive capital accumulation in the same way as before. This overextension occurs capital at the time of capital export. In particular, the problem of the reduction of the money supply. The emergence of this problem is likely to drag down the overall economic decline of Qin. Or even regression.

A time when a country's currency becomes a regional "international" currency. His original amount of money must have decreased. At the same time at the time of the fulfillment of the "international" currency. It is inevitable to bear the responsibility that comes with money. The decrease in the supply of money was a manifestation of the new capital expansion of the Qin state. Qin must prudently resolve this crisis. Only after overcoming the crisis can there be new challenges. Only then can the Qin State fulfill its responsibilities.

The reason is basically found. The next step is how to solve the problem. This is a problem that the government needs to work with the banks to solve. Increase the money supply in the market. The liquidity of money was written into the report by Xiao He. This was the first time that the Qin State encountered the problem of tight money supply and circulation.