"What's Big Brother thinking?" In fact, the movement in the northwest can actually guess Qu Chengmei and Wan Yi's plans without the urgent news from there, Li Xuanqing can guess Qu Chengmei and Wan Yi's plans, but Li Xuanqing also has no intention of interfering, because the Western Expeditionary Army has always maintained a wartime establishment, so there are a lot of military supplies in reserve, and once it is vacated, it will inevitably greatly increase the export of Daqin and Dashi in a short period of time, which will also give the Central Plains a large number of trade goods and materials to transport time and production time. As for the military's needs, in fact, if it is only food and salary, it is not a big problem to procure it locally. These things are coordinated by the cabinet and the General Staff Headquarters, and there is no need for Li Xuanqing to worry about it, and Li Xuanqing is worried about another thing at this time.

"Qiaoxi, do you think it's time for us to reform the money bank and establish a complete set of sound financial systems?" Li Xuanqing stood stunned for a long time and then suddenly spoke, but Qiaoxi next to him seemed to expect what the other party was thinking, so he said without thinking: "It should be reformed, but it is always difficult to make a decision on how to start." I'm also thinking about this question these days, finance is related to the overall economy of the empire, and if it is not done properly, it will inevitably lead to systemic risks. It will even put the empire's economy at huge risk, and although you and I have the insight and knowledge reserves of later generations, they are not professional talents after all, and now the financial talents on the Qian Zhuang side can always be the only one who can take charge of themselves, and everyone else is afraid that it will take a long time to temper. And once we divide the functions of the bank from the current two functions of management and operation, and turn the bank into the central bank of the future, where should the bank in charge of business look for talents? This aspect is not something that can be quickly accumulated by building a few machines, and what is needed is a person with a developed mind and a talent for finance. And the most important point is that it requires a lot of practice, but at the moment our system is afraid that we can't tolerate these people to make major mistakes in the process of growing up. ”

"Yes, I have been undecided these days, according to the current scale and speed of economic development, I am afraid that other financial means and methods will soon appear. Rather than relying on the market to sprout and grow, it is better to establish a framework in advance so that we can also prepare for a rainy day. Li Xuanqing suddenly said: "So I plan to let Yin Honglin and Qi Hong come over in the near future to listen to their own thoughts, maybe there will be other discoveries." ”

"It's actually not bad for the big brother to think like this. But if they don't react, there is another way. Qiaoxi came over and said: "Then take a pilot, use the royal family and Qianzhuang to form a state-owned joint-stock bank similar to the later generations, and wait until the reform of Qianzhuang is successful, and the royal assets will be withdrawn from it, what do you think, big brother?" At least in this era, you and I can still play with the basic principles of finance. ”

Li Xuanqing's method is very clear, that is, the pilot, but the field of finance and money will affect the overall situation of the empire at every turn, whether it is Li Xuanqing or Qiaoxi, it is impossible to directly let the other six major families go deep into it, so after thinking about it, there is only this method of Qiaoxi, after all, on the one hand, although the royal assets do not belong to the empire, but as the private property of Li Xuanqing and the Tang royal family, it can also represent the will of the empire at some levels, on the other hand, it will be relatively easy to carry out the business with Li Xuanqing and his wife as endorsements.

"In this way, you have transferred liquidity to the Fengzhou area during this time, and how many talents in this area do we have now?" Li Xuanqing asked after thinking about it.

Qiaoxi spread her hands and said with a wry smile: "There must be talents, but there will definitely not be many, and even if Sister Feixue finds a way to coordinate some people from the Murong family, it is estimated that she can only barely support one or two branch points." Although the business school and the school of engineering have successively opened economic disciplines and financial disciplines in accordance with the meaning of the big brother, after all, the time is too short, even the teachers may not be able to get together, and Yin Honglin has been actively training talents in the past two years, but on the whole, it still does not meet our requirements. ”

"It doesn't matter, when the time comes, you and I will sit in Fengzhou and establish the basic system, and Yin Honglin will definitely attach great importance to this matter." Li Xuanqing didn't care much about this, as long as there were basic talents, he could build the framework, so the husband and wife immediately divided their labor, and Qiaoxi went to Murong Feixue to discuss Solo's talents and mobilize liquidity. The wealth accumulated by the royal family over the years is enough to make everyone look sideways, and in addition to a large number of assets and industries in various places, there is also a large amount of liquidity. From the experience brought by later generations, whether it is Li Xuanqing or Qiaoxi, the importance of the liquidity of an enterprise is more obvious than that of people in this era, after all, liquidity is related to the life and death of an enterprise, no matter when and where it is the lifeblood of an enterprise, and the royal assets involve too wide of industries, and many times it is necessary to invest in those industries with long cycles, slow results and even in order to explore the way according to the needs of the empire. Therefore, Qiaoxi and Murong Feixue often prepare a large amount of liquidity on the books to avoid accidents.

At this time, the two were discussing the situation of this year's medium-term budget allocation of the Ministry of Finance, and the medium-term budget allocation arranged by the Ministry of Finance was in June, so the Ministry of Finance at this time was the busiest time, and the money village that undertook the task of budget allocation was even more busy. However, the two of them were surprised when they saw Li Xuanqing actually pushing open the door of Qi Hong's office.

"Your Majesty, why are you here?" Qi Hong hurriedly saluted Li Xuanqing, and at the same time said with a wry smile: "The emperor won't come over to help because he and I Honglin are too busy, right?" ”

"Less, do you still need me to interfere in that little matter? Think of you both beautifully. Because the various systems implemented by the Ministry of Finance and Qianzhuang, including the operating methods, were basically brought over by Li Xuanqing from later generations, the Ministry of Finance and Qianzhuang are the departments that Li Xuanqing comes to the most every day, and even sometimes Li Xuanqing will personally teach Qi Hong and Yin Honglin to deal with related affairs.

"I'm here today for another business." After Li Xuanqing sat down, the two were also divided into two sides, because of the new way of working brought by Li Xuanqing, there was not so much etiquette in daily life, so Li Xuanqing directly explained his intentions, "In the near future, I plan to promote the reform of Qianzhuang, do you have any problems over there?" ”

"Money reform? Your Majesty, isn't this money bank running very well at the moment? There are no obvious loopholes or omissions, so where does this reform begin? Yin Honglin was obviously a little prepared in his heart, and he didn't answer when he heard this, but Qi Hong was obviously surprised, so he asked directly. In his opinion, the current Datang Qianzhuang has developed very well, at least he can't see that there is anything that needs to be reformed, but looking at Li Xuanqing's expression, it is obviously well thought out, so he smiled bitterly: "Please also ask the emperor to give me some guidance, anyway, I can't see it." ”

"Honglin, let's talk about it, look at your appearance, you're a little prepared." Li Xuanqing did not answer Qi Hong's question, but looked at Yin Honglin with interest and smiled.

Yin Honglin nodded, and said honestly: "Honglin is indeed aware that at present, Qianzhuang is an official institution integrating operation and management, although it seems to be compact in structure, and the management is also very convenient. However, in the actual operation process, Wechen found that this is not the case, and the integration of operation and management is easy to breed many problems. And Qian Zhuang is related to the lifeblood of the empire's economy, which is really sloppy, and any omission and mistake will cause great turmoil. Yin Honglin can be regarded as a person who has been deeply influenced by Li Xuanqing, and many terms would not exist in this era if Li Xuanqing had not put them forward, but he understood them very thoroughly, so he continued: "So the emperor's reform of the money village is not planning to separate the operation and management of the money bank?" But how to deal with the relationship in between? ”

"It is worthy of being the helmsman of my Datang Money Village, you can think of it as much as you want." Li Xuanqing stroked his palm and smiled: "The basic situation is like this, Datang Qianzhuang will be an independent management agency in the future, responsible for governing all the money banks and other financial enterprises that are allowed to be established and operated in the empire, that is to say, the approval and management of financial enterprises by the Ministry of Finance will be assigned to your Qianzhuang for centralized management, including the exchange of inbound and outbound coins, these things are also under your control, and you will work out the details yourself, Minister Qi, you will assist him at that time." Li Xuanqing continued: "Therefore, after the reform, Qianzhuang will become an independent department of the cabinet, and it will not be under the jurisdiction of the Ministry of Finance, but the exchanges between the Ministry of Finance and the Ministry of Finance should not be interrupted. "Li Xuanqing intends to establish a central bank in the future, and even a financial management department that is greater than the scope of power and responsibilities of the central bank, so as to be able to unify the jurisdiction of all financial types of enterprises in the empire, and prepare for the future, so he will presciently add foreign exchange management, although in reality, there is no foreign exchange management at present, Datang's foreign transactions are on the strong side, and the other party is required to settle either directly Tang currency, Either gold and silver, there is no chance to settle in the other party's local currency, and even the exchange cannot be carried out directly, and gold and silver need to be used as an intermediary.

"What about the operation of this piece?" Qi Hong took over the conversation at this time and asked. He has no opinion on assigning the responsibility for the examination and approval and management of financial enterprises under the Ministry of Finance to Qianzhuang, which is what Qianzhuang is doing, but it was previously assigned to the Ministry of Finance, so it will be managed. However, when he heard that Li Xuanqing planned to divide the money village into two, he immediately understood what he meant, so he asked how to proceed with the remaining part of the money village.

"In the future, the person responsible for the operation of the money bank will be called the money bank, and it will be an independent financial institution." Li Xuanqing glanced at Yin Honglin and continued: "Honglin, the management institution of your money bank, I think about it, it will be called the Central Bank of the Tang Empire, of course, if you can, the following money bank will also be changed to a bank, but it can't be called a central bank." The word Qianzhuang was originally just for the people to accept it quickly, but as the business scope carried by Qianzhuang became wider and wider, this name sounded more and more twisted.

"Operate independently, and then be managed by a central bank, right?" Yin Honglin was unaware of the new words that popped out of Li Xuanqing's mouth, and asked after muttering a few times.

"Yes, and it is necessary to implement the deposit reserve system, that is, the subordinate banks need to hand over the deposit reserves of the central bank in proportion to each deposit received, and you should consider the proportion first, but the role of the deposit reserve is to prevent systemic risks on the one hand, and to ensure the safety of depositors' funds on the other hand." Li Xuanqing only said a few words before Yin Honglin understood the principle, and nodded again and again: "The emperor's method is very good." But in this case, will the subordinate bank be handed over to a private family? ”

"Not for the time being, I plan to set up a state-owned bank jointly established by the royal family and the Ministry of Finance in Fengzhou to promote the reform of the money bank, and then promote it as appropriate after the complete system is piloted." After Li Xuanqing said this, he continued: "There is just one thing, Minister Qi, you should also prepare to hand over all the shares of state-owned enterprises in the hands of your Ministry of Finance to a special agency for jurisdiction, and you can also learn to form a state-owned asset management company in the name of forming a company, and it will be a shareholder of various state-owned enterprises. Li Xuanqing casually said the concept of the state-owned asset management corporation in later generations and asked Qi Hong to consider it himself. Then he turned to Yin Honglin and said: "This matter will come to you when Qiaoxi's preparations are almost complete, and you will help them open up the situation in Fengzhou as soon as possible on the one hand, and think about how to withdraw the subordinate branches of the operation on the other hand." Because you have to monitor the management of the branches of the banks in various places, you should not withdraw your branches in the local areas, but should become the management bodies of all the banks in the local area, as the representatives of your central banks in various places. ”

"The emperor can rest assured, I will immediately go back and draw up specific methods, and I will also send someone to assist the queen's mother. And since the queen is planning to pilot in Toyosu, when the bank there is established, I will immediately arrange for all the outlets in Toyosu to transfer all the business. Yin Honglin nodded and said: "This matter will be reported to the emperor and the cabinet after Rong Weichen clarifies the process, but if he wants the people to accept this concept, I am afraid that he will have to increase the publicity of the people at that time." ”

"You can just do it yourself, as for publicity, didn't you do a good job when you promoted Datang Qianzhuang in Chang'an before, just pick up that set of methods again, and let the prime minister help when the time comes." Li Xuanqing waved his hand to signal Yin Honglin to make his own decisions on this matter.