At the beginning of July of the 11th year of the Apocalypse, Li Xuanqing's family set off from Chang'an again and went all the way north to Fengzhou. This time, Li Xuanqing's purpose was not for anything else, but for a special trip to implement the pilot reform of the bank. Through more than half a month, Qiaoxi has mobilized about 500 million Tang coins to Fengzhou, accounting for about half of the working capital of the Royal Assets Group. Such a large-scale cross-regional transfer of funds, Qiaoxi also took a lot of effort, which is still because Yin Honglin gave the green light all the way, so Li Xuanqing will deeply feel that the current money system must be further reformed, so that it can speed up the flow of funds, only the speed of capital flow is accelerated, the circulation speed of commercial trade will be accelerated, and the development of commerce will be accelerated with the development of industry and agriculture as a breakthrough in development. Therefore, when Yin Honglin set out to rectify the headquarters of Qianzhuang and establish the central bank of later generations, Qiaoxi personally guided the establishment of Qianzhuang pilot, that is, the "Datang Industrial and Commercial Bank" inscribed by Li Xuanqing himself, and began to be quietly established in Fengzhou, the land of Longxing.

"Big brother, you took the name of ICBC, really, is there some resentment in it?" For Li Xuanqing's mischievous approach, he was also very helpless, but in the end he didn't say much, but directly hung up the name, after all, the word "industry and commerce" is still very suitable for the current situation of the empire, in the current internal and external situation and development status, it is very rare to be able to establish and improve the industrial scale and expand rapidly. At this time, when expanding industry, it is necessary to blockade the outside world, which means that a large part of the finished industrial products cannot be exported for the current period of time in exchange for markets and funds. According to Li Xuanqing's plan and assumption, we must wait until the second industrial revolution in China to be able to relax these current restrictions, but the current difficulty is that the technical basis of the second industrial revolution has not yet been reached, and basic science has just stepped on the threshold, and even for the time being, the industrial base established on the basis of the steam engine is in a positive era, and this phenomenon cannot be changed at least for several decades.

"Big brother, this is the management system and work system of the Industrial and Commercial Bank of China, you can see if there are any problems." When Qiaoxi was on the train, she took out this time to put the various systems of the Industrial and Commercial Bank of China that she and Murong Feixue had drawn up in front of Li Xuanqing and said with a smile: "No matter what, at least we will put up the shelf first, and with the first one, there will be a second one later." Qiaoxi is very optimistic about the prospects, not as much as Li Xuanqing thought, "ICBC is now in Fengzhou, and then set up outlets in various parts of the northern industrial belt, establish a financial circle in the north in advance, and then gradually expand to the south, so there is no big problem." ”

Li Xuanqing also suppressed many thoughts in his heart when he heard Qiaoxi's words, took these systems and looked at them carefully, speaking of which, Qiaoxi's systems basically moved all the systems in later generations except for some that fit the current situation, but I don't know if it was Qiaoxi's deliberate or other reasons, the overlord clauses that made everyone helpless in the later generations were deleted and changed by Qiaoxi one by one, becoming more fair and just, and even looking much milder at some times.

Although he came to Fengzhou this time to carry out a pilot project of Qianzhuang, because the Industrial and Commercial Bank of China was operated and managed by the royal family, it could be regarded as a private matter, so Li Xuanqing did not bring other officials with him, so in addition to the family of three, there were more talents from the accompanying royal assets group in Chang'an. So after the group got off the train, they were immediately received by the person in charge of the headquarters of the Fengzhou Royal Manufacturing Group, Murong Feixue immediately gathered the local people who had arrived in advance, and arranged the opening of the Industrial and Commercial Bank of China with Zhang Qiang, and the next day Yin Honglin's order also arrived in Fengzhou, Fengzhou Qian Zhuang will withdraw from daily business after the opening of the Industrial and Commercial Bank, and all business and information will also be handed over to the Industrial and Commercial Bank of China, and at the same time, most of the sales personnel will also begin to transfer to the name of the Industrial and Commercial Bank of China. Only the relevant managers should be retained to participate in the development of a regulatory mechanism such as a central bank. In this way, there are a lot of changes involved, so Li Xuanqing not only needs to come forward to coordinate in time, but also needs Zhang Qiang and Murong Feixue to open up all the joints one by one, and the main merchants also need to be notified in advance, and a proclamation is drawn up to be released after the opening.

In this way, it took more than a month, that is, in the middle of August of the eleventh year of the Apocalypse, the new Industrial and Commercial Bank of China finally came to the time of opening, almost all the officials of the Fengzhou Political Embassy were present, and people from all walks of life in Fengzhou gathered at the entrance of the headquarters of the Industrial and Commercial Bank of Fengzhou, witnessed the innovation of the financial industry, and the opening day of the Industrial and Commercial Bank of China was publicly reported by the media and newspapers of Fengzhou, and then spread throughout the north in a very short period of time. The name of the Industrial and Commercial Bank of China and the background behind it were also quickly known to everyone, although everyone did not understand the purpose of doing this, but Li Xuanqing and the Tang royal family have a high reputation in Fengzhou itself, so although the name of the Datang Bank was hung up as the central bank and temporarily no longer open to the public, but after all the business was transferred to the Industrial and Commercial Bank of China, everyone did not have any surprises, but took it for granted. After this smooth handover, Qiaoxi began to personally guide the work of ICBC, while Li Xuanqing put his energy into guiding the renamed central bank to carry out financial management pilots. In this way, the reform of the financial circle in Fengzhou officially began, and a large number of pawnbroking and private lending banks established by the private sector were notified that from now on, all companies that received the notice must go to the newly established central bank to report and accept the dual management of the central bank and the Ministry of Commerce, and the Ministry of Finance and the headquarters of Datang Qianzhuang in Chang'an also jointly issued a notice that all such companies in the empire must accept the management and guidance of the local Qianzhuang branch before the end of August, and the local Qianzhuang branch will issue financial business licenses to enterprises that have passed the examination. Any business that does not have a financial business license must be closed for a limited period of time, otherwise it will be forcibly cancelled.

And when this urgent notice surprised all parts of the empire, the headquarters of Datang Qianzhuang issued an order signed by Yin Honglin, and from now on, Datang Qianzhuang and its local branches will be renamed as the central bank of the Datang Empire. This is also a beginning for further deepening the reform of money banks. Subsequently, Zhang Jianzhong also began to send a message to the provincial government embassies of the empire by order of the prime minister, demanding that the local government yamen must unconditionally cooperate with this round of reform of the central bank and not set up any obstacles in it, and sent a special working group to various places to carry out on-the-spot supervision.

In this way, combined with the listing of the Industrial and Commercial Bank of Toyosu in the past, some people with keen knowledge began to react, because those who have personally experienced the opening of the Industrial and Commercial Bank of Toyosu know the hidden secret. After the central bank withdrew from the actual business, the renamed banking and financial system began to become more concise, and the speed of capital circulation became faster, which inevitably added another fire to the already booming business development. After getting rid of this basic business, the central bank will inevitably be able to focus all its current energy on management, and because of the deposit reserve system and the right to issue the bank, the central bank will be more direct and convenient for the management of its subordinate banks.

After Li Xuanqing sat in Fengzhou for a pilot, Yin Honglin and others issued the latest order in Chang'an according to the results transmitted by Li Xuanqing, the entire financial system of Datang began to gradually become clear, and even when everyone thought that the branches of Qianzhuang in various parts of the empire began to transform into ICBC outlets, Chang'an and Li Xuanqing, who had already begun to rush back, were thinking about another thing, that is, how to add another one behind this. However, Li Xuanqing can't take care of this idea for the time being, and even if he can take care of Li Xuanqing, he doesn't plan to meddle in this matter, and some things will depend on Yin Honglin's own reaction after he starts. However, when Li Xuanqing, Qiaoxi and others returned to Chang'an, Yin Honglin also knocked on the door of the Ministry of Finance and began to discuss follow-up matters with Qi Hong. Qi Hong is not as talented as Yin Honglin in finance, but he still knows the basic principles, so he also fell into contemplation after Yin Honglin's proposal, but then he thought of another way.

"Honglin, you said that the queen mother opened the Industrial and Commercial Bank of China in the name of the Ministry of Finance and the royal family this time, so can we change the way and still add other businesses in the name of the Ministry of Finance, so that we can also form an individual bank. However, it is not possible to transfer the operation and management rights to private families like ICBC, and it must be set up by the Ministry of Finance. Qi Hong thought of this method after pondering for a long time, nodded and said: "That's the method, I think the emperor should also have this idea, but he didn't say it explicitly before, otherwise he wouldn't have suddenly asked me to list the departments responsible for the management of state-owned assets separately to form a state-owned asset management company for unified management when talking about the reform of the bank, it seems that it is for today's move." ”

"Does the emperor mean that? Didn't the emperor say that finance is related to the overall situation of the empire's economic development, and private families cannot be allowed to meddle in this matter at will, otherwise it will be used sooner or later to control the economic lifeline of the empire? "Yin Honglin is extremely talented in finance, but he is lackluster in politics and other fields, so he has never reacted.

"Well, forget it, I'll make it clear to you, let the private family participate, but the equity of the bank must be dominated by the Ministry of Finance, so that they can only have the right to make recommendations and sit back and get a share of the dividends every year. There is no other role, and although the Ministry of Finance is the leader of this move, you and the central bank are responsible for the day-to-day management of the bank, and you are now from the Ministry of Finance, on an equal footing, which will inevitably contain each other and cannot become bigger. Qi Hong was a little helpless about Yin Honglin, so he could only make it clear, "So I need to go to Murong in advance for this matter, and then let the Ministry of Commerce and even Gao Chongmin explore the way in advance to see which families are qualified to participate in this matter." ”

"Okay, it's better to be an old minister, otherwise even if I react, I can't think of a way." Yin Honglin smiled bitterly: "I'll go back and write a note, and then report it to the Prime Minister and the Emperor, and the two ministries of industry and commerce will ask the old minister to help me coordinate one or two." Yin Honglin's side immediately went back to write the article after Qi Hong's idea, and prepared to sort out his own ideas and Qi Hong's conversation just now and add them together, although Qi Hong's analysis was very correct, and he also agreed with it, but such a big matter, even related to the principles of the financial system formulated by Li Xuanqing at the beginning, he didn't dare to be careless.

"Big brother, are you guessing what Honglin is thinking?" After Li Xuanqing returned to Chang'an, he began to think about his thoughts in the next stage, and Qiaoxi next to him brought him a cup of tea and smiled.

"At most, it's just to find one of the six major families to become the master, and the most likely is the Murong family, it seems that that nerd in Honglin will also have an enlightened day." Li Xuanqing smiled casually.

"But in that case, for the sake of equilibrium, wouldn't it be necessary to set up six banks? With the addition of our Industrial and Commercial Bank of China, there are seven, so wouldn't it distract the already tight resources? Qiaoxi said with a frown.

"You think too much, there are two if there is one, but there are two but there may not necessarily be three, and when will these three be there is not Honglin who has the final say? Although he is a nerd, he is more talented in finance than anyone else, and he will definitely be more professional than us in the future life. Li Xuanqing shook his head and said with a smile: "So the basic competition situation has been formed after the beginning of the Murong family, so these people will understand after the third family has not landed." Besides, I didn't think that all the banks of the empire should be formed in the name of the state, and there should always be some space for private families, so that the imperial finance can be fair and just in the constant competition. ”

"Is the commercial bank of later generations right?" Qiao Xi smiled, Li Xuanqing's thoughts she naturally understood, so she nodded and smiled, sure enough, the insights from later generations made the two of them more than a step higher than the people of this era in terms of opinions and methods.

"When will Blizzard come back?" Li Xuanqing asked after chatting with Qiaoxi for a while. When the two of them rushed back, Murong Feixue was still in Fengzhou, although the Industrial and Commercial Bank of China had stabilized, but the Royal Assets Group still had some things in Fengzhou that happened to be dealt with in Fengzhou this time, and the Wuliang Suhai Palace built by the royal family in Nash also needed to be opened to the outside world this time, so Murong Feixue also had to rush over.

Qiaoxi deliberately shaved her pretty face and said, "Yo yo, I haven't seen my big brother for a few days and I want to fly sister?" Hmph, Qiaoxi is jealous. After finishing speaking, he also smiled, shook his head and said: "I'm afraid that I won't be able to come back in three or five days, what the eldest brother means is to let my sister go back to Murong's house in advance, so that Brother Murong has a psychological preparation, right?" is also said, since the last incident, Brother Murong heard that he had been kneeling in the ancestral hall for three days and three nights, so he should be appeased. ”

"The cabinet should be able to communicate with Murong." Li Xuanqing pulled Qiaoxi out of Changqing Hall and said with a smile: "I'll talk about it when she comes back." ”