"Prime Minister, my idea is that Qin has a Federal Reserve Board, which is equivalent to their bank, and the largest bank is the central bank proposed in Qin Guoren's financial science. Pen Fun Pavilion www.biquge.info" The Minister of Finance said to Zhang Liangshu. The Minister of Finance had come to see Zhang Liang, who was about to go to Han Shu to make some reports on the Qin State. The war is getting closer. It made him even busier.

"If we want to develop and expand the banking sector in South Korea, then developing South Korea's own central bank is the key." said the Minister of Finance.

"In other words, no matter how many commercial banks we develop in South Korea and how large the scale of commercial banks is, then the central bank is the key, and if there is no central bank in South Korea, the development of South Korea's banking industry will be in vain." said the Minister of Finance.

"Why do you say that?" Zhang Liang didn't understand that he didn't have a lot of research on finance, and his knowledge of finance was only limited to the bank's lending relationship.

"The capital of the banks comes from their savings, but it is difficult to obtain sufficient capital when the interest rate of the banks is very low, and the capital of loans far exceeds the capital they absorb, so it is difficult to have an adequate supply of money, and if it is manifested beyond their means, the crisis of the banks is very large. If a bank goes bankrupt, it is the biggest crisis for us. The Minister of Finance said.

"And with a central bank, such a crisis can be avoided, Qin's Federal Bank Reserve Committee is actually Qin's central bank, and the word reserve shows the function of the central bank." The Minister of Finance continued.

"Hmm." Zhang Liang nodded.

"That's right." Zhang Liang said.

"The biggest reason for the rapid development of Qinguo Bank is probably caused by this Federal Reserve Board. Now, we're going to do it too. Zhang Liang said.

"Let's go, my Minister of Finance, go and meet with the king and explain this, so that our Korean banking industry can develop rapidly." Zhang Liang said excitedly.

Jang Liang once put forward a plan to develop South Korea's own commercial bank, but the implementation of this plan is very difficult, the reason is very simple, that is, there is a lack of sufficient commercial funds, without which it will cause great difficulties. There are people who want to be commercial banks, but where does the capital of commercial banks come from? They don't know at all. Not only that, but it is difficult to finance the first step of the loan.

At this time, the method of the central bank was proposed, and with the central bank, the commercial banks had the first funds, and the commercial banks could pledge the valuable things in their hands. For example, land, shares, and various securities. With these things, the commercial bank has the first start-up capital, which is very important for the bank.

Zhang Liang had been thinking hard about how to develop South Korea's commercial banks, but now it seems that he has finally found a way.

Han Shu picked up a cup of tea, took a small sip, and then swallowed, she listened carefully to the explanation of the finance minister, and had a preliminary understanding of the concept of a central bank.

Han Shu began to carefully recall all the concepts related to the bank. ideas, as well as the practices of the Qin people, and so on. According to what the Minister of Finance said, there is indeed an institution like the Central Bank in Qin, but the Central Bank has an institution similar to that organized by the business organizations of Qin, among which the Qin government is one of the participating institutions, but it is not the largest, so many of his policies need to be discussed with the Qin State Commercial Bank.

Therefore, Qin's Federal Bank Reserve Committee is a member nature, but it is easier to gather commercial banks together, Qin's large banks have a number of them, and their strength is very large, which is also the reason why Qin dares to start many large-scale projects at once, and South Korea can't, South Korea has no large banks, yes, compared with Qin, his strength is very weak, at most it is equivalent to a medium-strength bank in Qin, and at the same time, because of business problems, his expansion is difficult to achieve. This is the current dilemma of the Bank of Korea.

There are very few commercial banks. Large banks are almost equal to none. The strength is very weak. Development is lagging behind, and such a series of blows have made Korean commercial banks difficult.

"Is it possible to solve these things with a central bank?" Han Shu thought for a moment and asked.

"Yes, Your Majesty." said the Minister of Finance.

"Many of our businessmen want to set up their own commercial banks, but they can't solve the problem of capital. The main reason is that there is no circulating capital in hand. And what they have in their hands is a large number of assets, which are in fixed form, and what the market needs is circulation. Money cannot be circulated, and it is naturally difficult for banks to do a good job. The Minister of Finance said.

"The idea is that setting up a bank can also solve this problem." Han Shu put forward her own idea.

"Nope. Wang, the establishment of a bank is still a commercial bank, that is, the establishment of a hundred banks in South Korea, the nature is the same, because he is profitable. The Minister of Finance said.

"And the central bank, he is also profitable, but the most important thing is his function, that is, the central bank is similar to the heart of all commercial banks, with the energy provided by the heart, the blood of commercial banks will flow. Commercial banks are aimed at business organizations, as well as various aspects, while central banks are only targeting one of them, that is, commercial banks. Commercial banks have financial difficulties, and the central bank can solve them by issuing paper money. The last sentence of the finance minister hit Han Shu's vague inspiration at once.

"What?" Han Shu asked.

"The central bank is targeting commercial banks." said the Minister of Finance.

"No, it's not that, it's your last one." Han Shu hurriedly asked.

"The central bank can listen to the issuance of paper money to solve the problem, is this the sentence? The king. Zhang Liang said on the side.

"Yes. That's it. Han Shu heard this, suddenly excited, South Korea also has its own banknotes, but the issuance of banknotes are carefully provided to commercial banks to replenish banknotes, or through trade, and financial expenditures to provide banknotes, such a way with great obviousness, business organizations are very sensitive to this, this is also the reason why the won fell too fast, if this continues to be issued, South Korea's banknotes will become waste paper, this problem and the bank problem is the same worry. But a word from the finance minister reminded Han Shu.