After Lord Lan, Qin Hui and Song Gong left, Wu Zhi finally breathed a sigh of relief, but he also knew that the current clue was just the beginning, and the process of finding clues and collecting evidence to solve the case was the most important.

It is estimated that they will have to investigate for at least two days before they can get results, and Xiu Mu Wuzhi can stay at home with his wife and children for these two days.

Just when Wu Zhi stretched his waist and was about to leave the study to go to the backyard to walk around, the housekeeper came to report that Jiang Jing was coming, but Wu Zhi had no choice but to tell the housekeeper to bring Jiang Jing here.

Yesterday was the day of the Shandong Chamber of Commerce conference, and Wu Zhi rarely went to the Chamber of Commerce to attend meetings now, unless there was something important, it was Jiang Jingyun's brother who went to attend on his behalf.

Wu Zhi knew that the construction of the port in Shandong had started, and he thought that Jiang Jing came here this time to ask for instructions on his appropriation, such a large sum of money, without Wu Zhi's signature, the bank could not allocate a penny.

"Great officials."

After Jiang Jing came in, he gave Wu Zhi a salute familiarly.

"Sit, but I'm here for the port," Takeshi asked, greeting.

Own maid serving tea.

After the maid left, Jiang Jingcai nodded and said: "It is for the port appropriation, the approval of the household department has come down, the planning plan is designed by the Qingzhou Academy of Fine Arts, and the Penglai Chamber of Commerce has funded the start of the Jichuan set, according to the contract, it is time for our Da Song Bank to allocate the first payment." ”

"Well, what's the amount," Wu Zhi slowly sipped his tea.

The dragon well before the rain in Hangzhou.

"In the Chamber of Commerce, the share of our proud building group is 6.5 million yuan, and the share of Dasong Bank is more, it is 80 million yuan, a total of 86.5 million yuan, and we only need to spend 40 million yuan on the first phase of the project."

Jiang Jing speaks concisely and neatly, with the demeanor of a professional financier.

Wu Zhi nodded, the construction of Penglai Port is jointly funded by the Shandong Chamber of Commerce and Da Song Bank, each accounting for 50% of the shares, and the Deyilou Group itself belongs to the Shandong Chamber of Commerce, so Wu Zhi has to contribute funds twice.

"Bring me the materials and I'll take a look."

Jiang Jing handed the thick cowhide bag in his hand to Wu Zhi, his face was calm, but there was a faint look of wanting to speak.

Wu Zhi took out the thick material, spent half an hour reviewing it, and after making sure that there were no problems with each key point, it took a small half a pillar of incense to sign the words of each piece, and finally Wu Zhi took out the special seal in his arms and pressed it next to the name one by one.

In fact, there is Jiang Jing in front of him, Wu Zhida doesn't have to be so meticulous, the reason why he is so meticulous is to establish the image of a good boss.

"Alright."

Wu Zhi handed the document to Jiang Jing for review, and he rubbed his wrist, it is not easy to be a leader, and his hand is sour when he signs it

"No problem."

After Jiang Jing made sure that Wu Zhi had not made a typo, he put the piece into a leather bag, and then he looked at Wu Zhi as if he was waiting for something.

Seeing Jiang Jing like this, Wu Zhi smiled and said for him: "The matter of Penglai Port is done, then, what about Qingzhou Port, which we are exclusively invested in by the Proud Building Group."

Jiang Jing finally hung up a bitter look that he couldn't hold back for a long time: "Big official"

"Don't say anything else, tell me whether the approval, site selection, planning, and construction personnel of Qingzhou Port have been completed according to my previous requirements," Wu Zhida Zhuang said.

Jiang Jing swallowed his mouth and said: "What the big officials said, Brother Song and Lao Xiao have already done it in Shandong, among the people who are building this time, there are many brothers in Liangshan, which has saved us a lot of money, but"

Hearing this, Wu Zhi nodded, and said with a smile: "But there is still a gap in funds, right?"

"There is not only a gap in funds, our group simply has no money to engage in the construction of Qingdao Port" Jiang Jing was a little excited, and said: "The budget for the completion of Qingdao Port is at least 160 million yuan, which is not a small amount, we are proud of the building group plus all the working capital on the books of Da Song Bank is less than 100 million yuan, and we have to allocate more than 86 million yuan to build Penglai Port, so calculated, we are not able to build Qingdao Port at all, if we force the work, within seven days, the capital chain of all industries of our group will be broken"

"Not to mention how serious the consequences are of the broken capital chain of such a huge group as our proud building, just the Great Song Bank, if the capital chain is broken, then the bank will face the danger of bankruptcy, and I am afraid that even the funds of Penglai Port will not be on at that time."

A group's total assets include real estate and liquidity, as well as debt, liquidity is the lifeblood of the group, once the chain is broken, the whole group will quickly fall apart.

"Is it really so pessimistic," Wu Zhi said disapprerovingly.

"Of course," Jiang Jing said urgently, "No one knows the financial situation of our Yiyilou Group better than me, the plan of Qingdao Port must not be started at present, we have no extra money, if we must start, unless we constantly change the real estate of our group, we can barely maintain the construction of Qingdao Port." ”

"That's not possible, real estate is the foundation that everyone has worked hard for, and it can only be increased, not decreased, this is the first rule of our group," Wu Zhi hurriedly waved his hand.

Real estate is the countless restaurants, oil mills, newspapers, banks, colleges and investment shops and real estate under the Wuzhi Deyilou Group, which are the foundation laid by Brother Yun, Lao Bai Xiaorang and others, and they must not change.

"So, big official, I came this time to suggest that you put the construction of Qingdao Port on hold for the time being, that money is not a few million, big officials, you can find a friend, or even borrow from the third lady's mother's house to make it up, that is a gap of hundreds of millions of funds" Jiang Jing took the opportunity to persuade Wu Zhidao, "Lao Xiao, when he returned to Qingzhou, he also told me to persuade you, this time you have to listen to us whatever you say." ”

"Haha, Lao Jiang, don't worry, do you remember that when I asked you to prepare, I didn't promise you that I would give you money at that time, and I said that I would naturally do it." Wu Zhi got up and left his desk and sat down beside Jiang Jing.

"Big official, it's not that I don't believe you, it's just that I'm your bookkeeper, I know your financial situation best, although we are rich, but we really can't take out such a huge amount of money" Jiang Jing smiled bitterly, "Money is earned little by little, and we can't make money." ”

Wu Zhi smiled slyly.

"Who said we can't make money, you forgot what our Dasong Bank does"

"Da Song Bank" Jiang Jing was stunned, "Our Da Song Bank absorbs private deposits and loans, and the bank's money is limited, so it is already a bit risky to invest tens of millions in Penglai Port." ”

"You don't know yet, but in fact, banks also have a function, which is to make money."

"How can the bank make money, and there is no copper mine under our bank, even if there is, minting money privately is a big crime to kill the head."

Jiang Jing was a little frightened.

Wu Zhi smiled, planning not to go around the bend with Jiang Jing.

"Come here." Wu Zhi motioned for Jiang Jing to come closer to him, and said in a low voice: "The consistent interest-free silver bills printed by our bank are not very popular with businessmen, we can print more and put them on the market, so that if we print 108,000 pieces, our financial crisis will be solved."

The interest-free silver bills of Wuzhi Dasong Bank's consistent denomination have long become the actual banknotes in circulation in Shandong, and even Dongying's side also recognizes the silver bills that Dasong Bank has always cashed at any time.

"Official, don't be joking." After hearing this, Jiang Jing said very seriously: "In the final analysis, the consistent interest-free silver bills of our Great Song Bank are still the deposit certificates of the people, and a silver ticket is a deposit of consistent copper coins. ”

The interest-free silver bills of the money have always been equivalent to the people lending money to the bank for loans without interest for profit, which brought huge profits to the Great Song Bank, but the Great Song Bank, as well as the Tiandi Bank in the south of the Yangtze River, which copied the Great Song Bank, all printed silver bills according to the people's deposits, and did not print one more without authorization.

This is because the paper money issued by the Great Song Dynasty before the lesson to the merchants was too painful, the imperial court did not understand the economic laws, uncontrolled indiscriminate production, resulting in many businessmen bankrupt, the imperial court also suffered a lot of losses, so now people are very afraid of paper money, who dares to print paper money, is tantamount to suicide.

But no one in the Great Song Dynasty knew how to master the degree of printing banknotes, Wu Zhi probably understood some, others printed indiscriminately, and if he printed, it would not cause inflation.

"Lao Jiang, listen to me. I'm not joking, I'm not immediate, the idea of printing a lot of silver tickets has been in my mind for a long time. Wu Zhi quietly explained to Jiang Jing: "As a financial treasurer, you should be able to foresee that according to the development speed of my Great Song Dynasty business, if you don't print banknotes, it will not only restrict the development of commerce, but also cause a shortage of money in a short time. ”

Although the Song Dynasty will have developed commerce, but the output of precious metals is very low, even copper coins can not meet the daily commercial circulation, there have been many places before the money shortage, if it is not for the emergence of banks and consistent interest-free silver bills, I am afraid that the money shortage of the Great Song Dynasty will be aggravated.

Jiang Jing pondered for a moment, nodded, and then asked, "Could it be that you have found a way to properly print banknotes?"

"Of course I found it, otherwise how could I be so abrupt and let you print a silver ticket"

"What's the method?"

"You've known this method for a long time." Wu Zhi smiled mysteriously and said, "The reserve system of our Da Song Bank headquarters is the measure of printing paper money."

"Reserve system" Jiang Jing was stunned for a moment, and suddenly said: "You mean the reserve rate"

The reserve ratio of Da Song Bank is a top-secret content that can only be changed by Wu Zhi, Jiang Jing, Song Jiang, Wu Yong and other core executives, to put it bluntly, it is the bank's reserves, and generally after each branch absorbs deposits, it will set aside a part of the funds as reserves in accordance with the reserve ratio set by the bank headquarters to ensure that depositors withdraw deposits and funds are cleared.

In later generations, only the central bank had the right to set the reserve ratio, and Wu Zhi would have no central bank, so the top management of the Great Song Bank had set up such a set of mechanisms on their own, which was changed every quarter in accordance with factors such as the flow of commercial funds in the Great Song Dynasty.

However, the reserve ratio of the central bank in later generations is not used to determine the printing of paper money, but a means of regulating the national economy, the central bank increases the reserve ratio, which means that the four major state-owned banks will have to pay more money to the central bank, and the lending rate will naturally decline, while the deposit interest rate will increase, and economic growth will slow down; On the contrary, if the central bank lowers the reserve ratio, the deposit rate will fall, and the economy will grow rapidly.

Wu Zhi to prepare the amount of money to print banknotes, but also the best ruler at present, will definitely not cause inflation, after all, the Great Song Bank has not yet been linked to the imperial court taxes, and then the Great Song Bank will become a national bank, then it can justifiably calculate the total amount of the country's economy, and then establish a healthy banknote printing system.

Jiang Jing thought about it for a long time, and then figured out the copper abacus in his cuff and calculated for a while, before nodding slightly and saying, "If the silver bills are printed according to the reserves of our Da Song Bank, there is no problem." ”

"There must be no problem, but this matter must be kept secret, except for the senior management of the bank, no one should say it, in case of leakage, then the imperial court will definitely trouble us" Wu Zhi said with a wry smile, only the state has the right to print money, and private printing of money is a big crime in any country and in any era.

Jiang Jing also wiped the cold sweat on his forehead, this trick is too big.

"The total reserves of our branches of the Great Song Bank should be more than 200 million, and if the printing factory over there in Qingzhou is working day and night, how long will it take to print 200 million consistent money and silver tickets," Wu Zhi asked.

The reserves are not the bank's liquidity, they are scattered in various branches, and Wu Zhi only has the total number in his hands.

"This"

Jiang Jing wiped the cold sweat on his forehead again, and said: "This amount is too much, the printing house will print 200 million consistent silver tickets, and it will take at least half a month, and I estimate that the cost alone will be tens of thousands."

"Haha 80,000 for 200 million, is there a more lucrative industry in the world?"

"There's nothing more profitable than printing money"

"Okay, this matter will be left to you, remember not to leak the news, once the news leaks, immediately stop printing, destroy the silver tickets, and shelve Qingdao Port"

"Yes"

Jiang Jing is the safest to do things, and Wu Zhi is relieved to hand over such important matters to him.

In fact, printing silver bills is not only to support the construction of Qingdao Port, the construction of Qingdao Port is just a beginning, when the 200 million silver bills gradually flow into the people of the Great Song Dynasty, the problem of money shortage will disappear quickly, and the business of the Great Song Dynasty will go to a higher level with more capital

A mere 200 million yuan will not make the Great Song Dynasty inflationary, because the money of the Great Song Dynasty is not only used by the Great Song Dynasty, and the surrounding countries all use the currency of the Song Dynasty as legal tender

Coulee is going to break out in the future, insist on double shifts every day, and those who have monthly tickets are smashed over, don't pity me because I am talented

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