"Your Majesty, the current banking development model of the Qin State is very simple, and there are great risks. The pen "Fun" Pavilion www.biquge.info" Shang Wen introduced.

"Just like the bank representative said." Shang Wen continued.

"Our bank used a lot of money for commercial lending, and now the result is that we have a large number of lending projects, one after another, in order to solve the bank's financial problem, we set up a federal bank reserve committee in Qin, allowing banks to mortgage their own shares to get more loans, so that commercial banks can get sufficient funds through a large number of shares, and the result is that loan mortgage is based on the principle of shares." Shang Wen explained, and King Qin also understood at this time.

"As a result, our Federal Bank Reserve Board has released a lot of money and accumulated a lot of shares, and the commercial banks have more projects, but they don't make much profit in a short period of time, because this has a big cycle, and this cycle is enough to make business very worried." Shang Wen said.

"It is so, Your Majesty." Yingyu said. Although Yingyu should be called her father, this is a big hall discussion, and she can't put her personal relationship in the court.

"Hmm." King Qin nodded.

"Please continue." King Qin said.

"Yes, Your Majesty." Shang Wen nodded and said.

"As a result, the profitability of our Qinguo Commercial Bank has been reduced a lot, and in fact, the use of funds is not satisfactory, and neither Zhao nor South Korea has received much substantial improvement." Shang Wen said.

"However, the princess found one thing right, investment." Shang Wen said.

"We need to change the business model of Qinguo Commercial Bank, the traditional business model is indeed that commercial banks release a large number of commercial loans, but in this case, there is a cycle for the bank's capital withdrawal, which has a lot to do with the profit cycle. Not only that, but there is also a question of risk. Almost all of the risks are concentrated in the Federal Bank Reserve Board. Shang Wen explained.

"The Federal Bank Reserve Committee of Qin State has a large number of shares in its hands, which are fixed assets and cannot be circulated, while under the traditional model, banks give more shares, so that there will be more and more shares under our Federal Bank Reserve Board, and we will end up like a reservoir, constantly storing water, storing water, and not releasing water, finally. We're going to burst the levees. The risk of a levee burst, and the resulting damage, is very serious. Shang Wen said solemnly.

Speaking of this, Xiao He couldn't help but nodded. He thinks that Shang Wen thinks very big, and he just thinks about how to use this to make money.

After listening to Shang Wen's introduction, King Qin broke out in a cold sweat, he knew that if the Federal Bank Reserve Committee collapsed, it would mean that Qin's paper money system would completely collapse, and in this case, it would cause great losses. This loss was no less than an attack on the Qin state.

"I wonder if the prime minister can solve this problem?" King Qin asked modestly. It was a matter of the safety of the Qin State, and the King of Qin became humble.

"Establish a consortium. Let the function of commercial banks become more powerful. That is, to upgrade our commercial banks and share the pressure on the shares of the Federal Bank Reserve Board. At the same time, commercial banks can also bring in a lot of profits. Shang Wen said.

"How?" King Qin asked.

"For these banks to expand their investment function, that is, to upgrade their investment function, rather than the previous single fund lending function. In this way, the bank will have a very considerable profit, and the funds can also accurately enter the countries and the regions of the Qin State where they are most needed. Shang Wen said.

"Countries lack enough money. So do we. Shang Wen said.

"The current situation is that it is difficult to solve the fundamental problem by relying on the lending of the Qinguo Commercial Bank alone, our banks are unable to make greater profits, and our Federal Bank Reserve Board is under huge pressure on fixed assets." Shang Wen said.

"There is only one solution, that is, to make our commercial banks stronger, increase the function of venture capital, with the function of venture capital, a large number of stocks in the hands of the Federal Bank Reserve Board can be transferred to the hands of commercial banks, and at the same time, we should actively encourage the development of stock trading markets in various regions, so as to be able to transfer the stocks of these fixed assets in a timely manner." Shang Wen continued.

"Hmm. In this way, Zhao Guo's stock trading market will be useful. "King Qin remembered that Zhao Guo had established his own stock trading market, and King Qin was worried before, but now it seems that King Qin has no need to worry about it. Because he knew that the stock trading market established by Zhao was very conducive to the development of Qin.

"Yes, Your Majesty." Shang Wen said.

"In view of the transformation of Qinguo Commercial Bank. Personally, I believe that the banks of the Qin State should concentrate on the development of a number of consortia, which can have a significant impact, and the funds invested can influence the decision-making of a country. This is what the Qin State should do. Even if the Qin State does not annex a country, it can also control the country in this way, and after the economic ties are very close, the world will naturally be unified. Shang Wen said.

"Hmm. Well said. King Qin laughed.

"What the Qin State needs is these consortia." King Qin encouraged.

"Your Majesty. Chen and Meng Yi also discussed some things. Shang Wen said to King Qin at this time.

"Oh. Please speak. King Qin said politely.

"To encourage nations to develop their colonial economies." Shang Wen said.

"Colonial economy? Didn't you have it before? It's just like that. "King Qin has some objections.

"Qin needs a broader market, and Qin's capital can be invested in commercial banks in various countries, and this trend is unavoidable. After the Qin Bank upgraded the consortium, it can participate in such commercial activities, and the development of colonies can greatly expand the local market and increase demand, and the capital of Qin will quickly rotate back and forth, which is very beneficial to Qin. Shang Wen said. At this time, Yingyu and Xiao He both widened their eyes, and the two of them seemed to see a big market, and this market had great temptation. This stimulates the two of them so much that they are immersed in their own world.

"However, if each country develops colonies, won't the strength of each country be restored again, in this case, how can the Qin State be unified?" This is the problem that King Qin is most worried about.

"The state of Qin is unified. The first unification was the economy, followed by the influence of the Qin state. Shang Wen said.

"The unity of the land is naturally unified." Shang Wen said.

"If the Qin State can do this, then the colonies developed by these countries will become subordinate places for the development of the Qin State in the future." Shang Wen said.

King Qin didn't say anything, this was indeed a tempting answer. This answer made the Qin king give up the idea of not supporting the development of a colony.

If the Qin state is unified, then these overseas places are also Qin's. Shang Wen had already given a lesson to King Qin before. For example, if the Xiongnu in the north are eliminated, if the Qin State wants to completely solve the Xiongnu problem, it must occupy the land of these Xiongnu people and thoroughly digest these lands into the land of the Qin State, so that the problem can be completely solved. And to do this, the Qin State spent a lot of time, money, and manpower, but it only occupied the places of the two states, and if you want to expand more land, you need to spend more manpower, and the financial expenditure is an astronomical amount, how big this number is, the King of Qin himself feels very headache.

"A small number of nomadic tribes in the north, the Qin State of the Western Regions to solve it. To the northeast, as well as to the North Korean direction, the Yan State can be sought to solve the problem. The plateau peoples in the southwest, the Qin state can be solved with the help of the Zhao state, as for the Nanyang side, there is Korea, in addition, the Qi state, and the development direction of the Chu state can be changeable. Shang Wen said.

"And our Qin State just needs to concentrate on solving the problem on land." Shang Wen continued.

"At the same time, take advantage of Qin's capital to invest in it on a large scale, as long as Qin needs it. You can also use capital to solve a lot of problems. Qin Guo didn't have to worry about this. Shang Wen said.

"For the future unification of the Qin state. The minister's view is that the latter strikes. Shang Wen continued. Meng Yi on the side looked at King Qin, and then looked at Shang Wen. He was very worried that Shang Wen would not be able to convince King Qin.

"Yes. The widow looks, and does so. Qin's commercial banks must be upgraded as soon as possible. King Qin thought about it and decided. King Qin thought that Shang Wen's idea had a lot of merit, and that the latter could bring greater profits, and that the Qin State was only involved in commercial activities, and did not participate in national competition, and was not the case with the previous Zhao State?

At the same time, with such a huge national strength of the Qin State, even after the development of the countries, I am afraid that they may not be able to deal with the Qin State, after all, the Qin State occupies a lot of advantages.

Shang Wen nodded. Shang Wen knew that he once again avoided a large-scale war, and Shang Wen knew that the large-scale unification war had a great impact, Qin first launched a unification war and unified the whole country, but the unification of the whole country needed to bear too much responsibility, and Qin could not complete it with the national strength of history, even now, Qin might not be able to complete so many things at once, rather than this, it is better to let the countries develop, and finally Qin will preemptively win the final victory.

"Subsequently, we will complete the promulgation of relevant legal provisions as soon as possible to encourage the development of banks." Shang Wen said.

"It must be as soon as possible." King Qin said.

"In this way, a single upgrade problem for the bank solves a lot of problems." King Qin said in conclusion.

"Yes, Your Majesty. The problems of the Western Regions will also be completely solved. However, the Qin State needs to have a large-scale understanding of the unexpected places in the Western Regions, otherwise, it will be difficult for the Qin State to promote the next plan. Therefore, the minister suggested setting up a large number of embassies in these countries and sending a large number of observers, after all, in the future, the Qin State needs these countries to be established as a buffer zone between the Qin State and the regional overlords, and after the Qin State has a further understanding, it can further develop. Shang Wen said.

"Hmm." King Qin nodded.

"Yes." King Qin agreed.

"One more thing." Shang Wen said at this time. He knew that the bank's affairs had been temporarily turned over.

"What's the matter?" King Qin asked.

"Something about increasing exports of military trade." Shangwen knew that this was a measure that had to be taken in order to gain the military's votes.

"Increase military trade exports?" King Qin asked.

"If the prime minister doesn't talk about it, the widow still has to talk about it." King Qin said at this time.

"Previously, Qin had already exported a batch of mines and grenades to South Korea. Is it going to be expanded now? King Qin asked.

"Yes, Your Majesty, because of the large-scale colonial expansion, such weapons need to be exported on a large scale, not only exported, but if possible in the future, the Qin State will also set up sub-factories in these countries to produce these weapons." Shang Wen said.

"Why?" King Qin asked.

"Because, in the future, these countries will not need the Qin State, they can also make such weapons themselves, rather than letting them develop and produce them themselves, it is better to share a large amount of profits with the arsenal of the Qin State. These arsenals are not in a very good situation because of the reduction of Qin's military spending, and it would be a good thing if we could use the military funds of other countries to support our Qin's own arsenal. Shang Wen persuaded King Qin like this.

"But these countries can also make such weapons, and in the future, the Qin army will have to face these weapons." King Qin said. This is a point that King Qin is worried about, the role of weapons, after Shang Wen developed a large number of new weapons, has become another problem, a weapon can sometimes influence a war. This is the biggest concern of the Qin king, once the Zhao army and the Korean new army use a large number of mines, how can the Qin state get out of such a predicament, those mines are bought into the ground, and it will take a long time for the Qin soldiers to dig up these mines. The use of grenades will further escalate the war.

"If the Qin State wants to ban such weapons, I am afraid it will not be able to do it, the only way is to follow the trend to manufacture these weapons, and then develop these weapons to deal with, and use another weapon to suppress this weapon. Only in this way can we promote the development of the times, if we Qin conservatively and strictly control the export of this kind of weapon, I am afraid that we will not be able to do this, that is, if Qin does not export, they will also get what they want, Qin can control the drawings, production equipment, but can not control people's minds, once the mind is activated, what kind of weapons can also be produced. Shang Wen said.

"In this case, you are supporting Qin's large-scale arms exports. And allow other countries to produce such weapons, right? King Qin asked.

"Yes. The king. Shang Wen nodded.

"Hmm." King Qin snorted.

"Look at the widow. OK. After all, Qin's military spending has been seriously reduced a lot, and if the Qin army's equipment can be sold to other countries after retirement, few people will look at it. OK. King Qin said. King Qin was naturally willing. Not only can you make a profit, but you can also dispose of the large inventory of the Qin State and replace it with more advanced weapons, although the military expenditure has increased, but it can improve the military strength of the Qin State, which is still of great benefit to the Qin State. King Qin was naturally willing to accept it. After all, such things are rare.

Wang Jian was happy and willing to accept such a decision, after all, in this case, the military would be able to obtain a large amount of supplementary military spending, after all, exporting arms is the most profitable business.

And Meng Yi looked at Wang Qian, Yang Duan and the two of them, and couldn't help but shake his head, he knew. These two old military guys have already targeted the object of the transaction, and this object may be Yan Guo.

Xue Gui's command tent.

"Is this news true?" Xue Gui asked the tall and thin man. He was a local intelligence officer, an intelligence agent sent by South Korea to win the war.

"Yes, a large amount of tea, sugar, and silk have been transported from Jimo City, and these things are very expensive in Korea and Qin, and these are the goods that the nobles want to transport. I wonder if we can snatch these things, or if we burn them, we can destroy them. Said the lanky intelligence officer.

"Hmm." Xue Gui nodded and began to think about something.

"Is this information of yours accurate?" Xue Gui asked solemnly.

"Accurate, definitely accurate, there are so many things, it's definitely impossible to hide from the past." Said the lanky intelligence officer.

"Good. You hurry up and gather the relevant information. I'll send you men if I need to, and I'll need to mobilize all the soldiers in the vicinity. Xue Gui said.

"This." The tall and thin intelligence officer didn't know what Xue Gui's intentions were.

"Go ahead. The more detailed, the better. Xue Gui said.

"Good. I'll go. The lanky intelligence officer nodded and left. Xue Gui thought of something all of a sudden, and then looked at the map carefully.

If the South Korean Marines want to attack the other side, they will directly attack Jimo City, but there are still 10,000 garrisons around Jimo City, although these garrisons are scattered, it cannot be ruled out that they will not come to help, the ammunition supply of the South Korean Marine Corps is only once, if you can concentrate on attacking the other side at one time, this is the best way, but if the other party comes to support at once, then the South Korean Marine Corps must reserve ammunition, so that the attack will not be able to go all out. This is very detrimental to the offensive of the South Korean marines.

Therefore, the way Xue Gui wants is to find a point that can concentrate the Chu army, and then launch an attack to eat the opponent at one time, even if you don't kill the opponent, you have to break up the opponent, so that the opponent can't attack him from behind, so that he can avoid fighting on two fronts as much as possible. This is the most advantageous mode of combat for the South Korean Marine Corps.

But Xue Gui thought of a lot of ways, but he couldn't attract the Chu army in the first place, because he couldn't find a good reason, if he divided the troops, his strength itself would be less than that of the other party, and in this case, his offensive force would be reduced a lot.

But Xue Gui did not have a good way to let the Chu army concentrate on its own, which was very unfavorable to the South Korean Marine Corps.

But now, Xue Gui happened to find a point, this point is a large number of tea, sugar, silk, these goods can be sold at a very high price, such a value-added goods become the goods of the nobles, for safety, the nobles are bound to mobilize troops to take care of them, protect these goods smoothly to the Wei State and then follow the Wei State into Korea, the Qin State. After all, such a large batch of goods can make a lot of money.

Xue Gui's idea was that in these cargo people, the stupid orders of the nobles would focus the attention of the Chu army on the goods. And if they focus on cargo, they will not be able to continue to attack the South Korean marines.

With such an idea. Xue Gui began to formulate a bold plan based on this, but he felt that there was still something missing, at least the lack of a force of the Chu army that could contain the other party's force, and the mobility of the infantry could not meet such a requirement. Xue Gui thought of the cavalry. Although the Marine Corps strengthened the deployment of artillery, its cavalry strength was very weak, and only the communications unit was equipped with cavalry, and even a cavalry reinforcement company was not provided. In this case, his Marine Corps was desperately lacking in the mobility of cavalry.

Thinking of this, Xue Gui immediately wrote a telegram. He had to ask for the cavalry as soon as possible, without which his military offensive could not be launched.

Sinzheng, South Korea.

"Are our offensive forces in place?" Han Shu asked from within the Ministry of Defense

"According to the latest telegrams, they are in place, but it will take some time before the official offensive is launched, especially intelligence analysis, and other preparations." The Minister of Defense explained to Han Sook. Han Shu was very anxious about the failure of the South Korean Marines to launch an attack for a long time, and the longer it dragged on, the more unfavorable it would be to South Korea, because the time of the sneak attack would be unfavorable to South Korea itself.

"Hmm." Han Shu just nodded, and although she was dissatisfied, she still suppressed her emotions.

"How's our logistical resupply?" Han Shu then asked.

"Supplies are accumulating, and a lot of commercial wagons are getting involved. Moreover, the condition of the roads is improving in a positive way, and I think that the materials will accumulate quickly. Said the Minister of Defense.

"The telegraph line should also be guaranteed to come in time." Han Shu emphasized.

"The widow needs to know the latest situation on the front." Han Shu said.

"Yes. Your Majesty, the telegraph line will be laid as soon as possible, extended. The Minister of Defense replied.

"Hmm." Han Shu nodded.

"I really don't know what this war will look like?" Han Shu was a little worried, after all, South Korea intends to attack a big country like Chu, if it is not well controlled, South Korea is likely to launch a larger-scale war with Chu, this is the last thing South Korea wants to see, and a protracted war will cost too much. This is the most taboo situation in South Korea, and it is also the most avoidable. That's why Han Shu is so worried.