"Lord Wang, now the consequences of the raid on Xijing Bank have appeared one after another, and the situation is not optimistic!" As the prime minister, Su Song should face everything alone, but this time the problem is really too big.

He had to find Wang Ning'an, and before the visit, he had already summoned several people from the Six Arts to come over, and in the name of the New Political Society, everyone sat down to reflect on the problem and discuss solutions.

After talking, Sima Guang put forward a key thing, that is, how to position the banking system...... This thing is not an official, and the people are not the people.

You say it's not a yamen, with so much money in charge and implementing national policies, the hands of the imperial court can reach in, but if you want to say it's a yamen, banks still have to operate according to a business model, and they need to make money and make a profit.

This time, the problem is, in the final analysis, the responsibilities and powers are not clear, too many people can interfere in the operation of the bank, make profits from it, serious collusion between officials and businessmen, and make a fortune in the city, and the benefits go into private pockets, and the court is seriously injured.

If we don't start from the roots, this problem is still unsolved.

When Sima Guang said this, he was actually a little weak-hearted.

After all, the real reason behind the unlimited mortgage loan is that the bank over-issued currency, this matter is what he did, why did he choose it this way, Sima Guang himself knows it.

was caught in the whirlpool, he was lucky, if next time, maybe it would be even worse than Wen Kuanfu!

Sima Guang was afraid, he hoped to manage the bank, of course, it was best to let Su Song take the lead in this matter, so as to save the gang of people from complaining about him.

Of course, Su Song also knew that the time had come for finance to be rectified, but he was also very confused about how to start.

There was no way, so he could only ask everyone to make suggestions together, and at the same time, he asked Wang Ningan for advice to see what tricks the prince had!

"I don't have any good way, this is a tough battle, I must rush forward hard, and show the strength that Loulan will never be returned! On the one hand, it is necessary to establish a legal system, strictly supervise, and on the other hand, it is necessary to implement and prevent malpractices, which is not easy! Wang Ningan pondered: "The first thing to do is to clarify the equity and clarify the rights and responsibilities, Brother Zirong, what do you think?" ”

Su Song said: "From my heart, I naturally hope that the imperial court will hold the bank in its hands, but the imperial court can't take out so much money now, and the people of the Great Song Dynasty have a lot of wealth, so it's a pity that they can't use it." But this money is a flood beast, the slightest carelessness, it will backfire, to be honest, I am really helpless now! ”

What he said was from his heart, and Wang Ningan pondered for a long time, "In this way, let's start with the Royal Bank first...... Originally, I founded the Royal Bank to manage the royal family's finances, and I had to first spin off this part and set up a special inner court to manage the royal property...... From now on, the Royal Bank will be dedicated to issuing currency, formulating monetary policy, and managing other banks to maintain monetary stability. ”

It's no wonder that Su Song came to Wang Ning'an, he was originally established, and if it was replaced by someone else, who could say clearly, and the entanglement with the royal family, except for Wang Ning'an, no one could deal with it...... Now the situation is obvious, the Royal Bank has become the central mother of the Great Song Dynasty, and the mother of all banks!

The Royal Bank is in charge of special officials selected by the imperial court, and it is the same as the six Shangshu!

Next, under the Royal Bank, there are a large number of banks, such as Xijing Bank, Hebei Industrial and Commercial Bank, Jiangnan Bank, Silk Road Bank, Haidong Bank and so on...... For example, the Hebei Industrial and Commercial Bank is a bank with industrial merchants in Cangzhou and Youzhou as the core to support the development of industry and commerce, and the Jiangnan Bank is a bank composed of Jiangnan textile merchants as the core, responsible for the production and export of silk and cotton cloth.

In addition to the almost ten large banks, there are also a lot of money bank ticket numbers, as well as shops and commercial houses with some functions of banks, such as counters, pawnshops, gold and silver shops, mansions, and even some temples, such as Daxiangguo Temple and Lingyin Temple, which are all financial work, but they are not necessarily managed.

There's another fatal thing here.

"Lord Wang, there are some big banks, but the amount of capital is not as good as some mansions, especially Daxiangguo Temple, under the management of the Buddha Yin monk, the funds that can be used are more than 10 million, far better than the average small bank...... How do you count this? ”

"Ban!" Wang Ning'an replied very simply, "All banks have been rectified, and the large banks throughout the country should have the dominant shares and have absolute dominating power...... With the imperial court taking shares, it is equivalent to having a guarantee, and the financial panic can be alleviated and will not be out of control. ”

Su Song hesitated a little, "Lord Wang, is the court too much in charge of doing this?" I'm worried that something will go wrong. ”

"If there is a mistake, find a way to plug it...... If the bank falls into private dominance, such as this run, and the imperial court does not take over, what will be the result? Which is more important? Wang Ningan said solemnly.

Does this need to be asked?

Of course, the Xijing Bank closed its doors, and the money of those depositors disappeared without any guarantees...... But if the imperial court is the major shareholder, the Great Song Dynasty will never collapse!

As long as the imperial court is still there and there is no bankruptcy, the people's savings will not disappear...... The benefits and disadvantages are clear at a glance.

Of course, Su Song knows the benefits of doing this, but the court is also under huge pressure, to pay money, but also to manage well, if the bank makes a little mistake, the common people will point the finger at the court, saying that the court is not doing well!

"I also support the imperial court to have an absolute advantage of the shares, but this requires dilution of the rights and interests of shareholders, this matter is too implicated, it is not as simple as a Xijing Bank, the prince has a way to deal with it?"

Wang Ningan smiled slightly, revealing his shiny white teeth, "What should I do?" It's nothing more than killing chickens and monkeys, I've caught a big enough chicken and slaughtered him, and no one dares to object! ”

"Who?" Su Song said curiously.

Wang Ningan was about to speak, when someone suddenly came in and ran to Wang Ningan's ear, "Lord Wang, Xianggong Wen is visiting!" ”

"Why is he here?"

Wang Ningan was taken aback, could it be that this old guy is really a fox?

You must know that Wang Ningan knocked Wen Yanbo hard, but there was one thing that did not move, that is, the shares of Xijing Bank. Of course, Wang Ningan has long been interested in rectifying the bank, and he keeps the shares, which is convenient for the future.

This time he was ready to do it, but at this juncture, Lao Wen suddenly came running, did he smell the wind? Or is there any plan?

"Brother Zirong, you wait a minute, I'll go see Wen Kuanfu!"

……

In the study, Wen Yanbo and his son sat with their heads down, and when Wang Ningan came in, Lao Wen immediately got up, but Wen Jifu was reluctant, but he was picked up by his father.

"Rebel, you still don't kowtow to the prince and ask for guilt!"

Wen Jifu was reluctant, but he still knelt down.

Wang Ningan pretended to be calm, "Brother Kuanfu, what are you doing here?" Get up, it's so cold on the ground! ”

Lao Wen was unmoved, and said with a blushing face: "I don't know that this rebel is behind his back, and he designs to frame Wang Yuanze and attack Su Zizhan...... Dare to hide it from me afterwards, it's infuriating! Today I sent this rebel to ask the prince for his guilt! The old man said sternly: "Prince, if you talk about how to deal with it, the old man has nothing to say, please send it down!" ”

Wow, it turned out to be a guilty plea!

It's just a pity that it's too late!

Wang Ningan smiled faintly, "Brother Kuanfu, I have already handed over to the Criminal Department, this case has been transferred to the Criminal Department, I believe that the imperial court will act according to the law, please go back!" ”

Wang Ningan didn't buy it, Wen Jifu was angry, and kept jumping up, he peeked at his father, and said in his heart Let's send our face to other people's hands, and no one wants to fight, it's too embarrassing! Let's go!

How do you know that Wen Yanbo gritted his teeth, how could he go, this is the last chance to redeem, otherwise the Wen family is really finished!

He jerked out something and slapped it in front of Wang Ningan.

Lao Wen's hands were trembling, it was really distressing, but there was still a smile on his face, "The child has done something wrong, how can a father be irresponsible!" This is Xijing Bank, 26.5% of the shares, Lao Wen is willing to hand over to the imperial court, just bother the prince, accept it on your behalf! ”

Wang Ningan took a deep breath and was a little surprised.

Bank shares, this is the core of financial power, holding this thing, passing it on from generation to generation, even if it changes the dynasty, it doesn't care, it can still be delicious and spicy.

There are too many financial consortia in later generations, rich families, and Lao Wen also has the opportunity to achieve financial families...... He took the initiative to hand it over, although Wang Ningan was already about to start, and he couldn't keep it, but Lao Wen's initiative still surprised Wang Ningan!

He paused, took the equity paperwork in his hand, and flipped through it nonchalantly...... He browsed on the surface, but in his heart he was thinking, can he let Wen Yanbo go?

This old guy has too deep a routine, and he finally caught his handle, and if he doesn't take the opportunity to abolish him, there will be few opportunities in the future...... The shares of Xijing Bank have long been in the bag, and if you want to buy a life, it is still far away!

Wang Ningan's eyebrows moved, the smile on his face disappeared, and it became grim!

Wen Yanbo peeked at the observation and secretly screamed badly, he immediately said: "Lord Wang, this alone is not enough to show the sincerity of the old man's confession, this is the deed of my mansion in the capital, there are all kinds of gold and stone collections, as well as calligraphy paintings by Wang Xizhi, Yan Liben and other famous artists...... It is the old man's lifelong treasure, and he is willing to hand it over, and I have 800 hectares of land given by the imperial court in my hometown, and I will also confiscate it together......"

After the last blackmail, Lao Wen Jiucheng's family property is gone, and this time it is equivalent to taking out all the remaining points!

It's a bankruptcy!

Wen Jifu's heart was dripping blood, he wanted to cry, and at the same time, he was full of admiration for his father. At the critical moment, Dad's decision-making ability is enough to learn for a lifetime.

Wen Xianggong poured everything he had, and if he was replaced by a second person, he would nod, but he met Wang Ningan, a thing that does not enter oil and salt, and he looked at the shares, the house deed, and the land deed...... Hard-hearted, without the slightest wavering, "Brother Kuanfu, when the court investigates, it will be found, don't worry!" ”

Burst!

Wen Jifu completely spurted blood and died, he just didn't know martial arts, otherwise he would have to die with Wang Ning'an, you are too annoying!

Our Wen Xianggong, the same face is pale, killing people is not enough, the old man came to confess his guilt and handed over all his belongings, you still don't give me a way to live, do you have to force the old man and you to die in the net?

After a stalemate for 5 minutes, Wang Ningan picked up the teacup and drank leisurely, which means that you should leave quickly, I have no time to entertain you!

Wen Jifu desperately gave his father a look, hurry up and leave, don't be ashamed!

But Wen Xianggong understands that now that he is out of this door, the people of the Imperial City Division may arrest him, and in a few days, he will follow the old path of Fu Bi Han Qi and others, and his head will be different...... Thinking of this, Wen Yanbo shook his head, put aside his grievances, and laughed, "Lord Wang, of course, this little thing is not enough to atone for his crimes, the old man still has one more thing that he wants to report to the prince." ”

Wang Ningan remained silent, Wen Yanbo leaned over and said: "That's the case, this time Xijing Bank was able to overlend so much money, because someone released water...... That is, the issuance of additional currency! ”

Arrange!

Wang Ningan put the teacup on the table and asked unhappily: "What's the matter, Brother Kuanfu wants to pull a cushion?" ”

"Definitely!" Wen Yanbo suddenly had a beard, whether he was dead or alive, he fought for the last time, he gritted his teeth and was excited, waving his fists, "How much over-issued currency can the small Xijing Bank bear?" Lord, the old man can tell you that more money has gone into private hands! A few years ago, you worked hard to implement the Juntian Order! However, in just a few years, some people have bought land aggressively, especially the land along the planned railway...... Erlang, aren't you uncomfortable if your hard work is ruined by others, or by your own people? ”