Only then did Li Rujin understand why the Imperial Bank was so confident that he even dared to refuse a loan from the government, and even asked for collateral on behalf of the Imperial Bank.

Now that the safety of the empire has been greatly threatened, it is impossible for the old emperor to watch the destruction of the Dawen Empire, let alone a foreign invasion, and the old emperor is even more unbearable as a high-ranking Dawen idea, so he made up his mind to take out the assets of the imperial family and invest them in the construction of the country. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Li Rujin didn't know how much the assets of the imperial family were, but the Dawen Empire had been founded for more than a hundred years, and this asset should be at least tens of billions, but the figure said by the old emperor still surprised Li Rujin, it was as high as 130 billion, and there was gold worth 50 billion.

These funds are all accumulated by the royal family of the Dawen Empire for more than 100 years, and one-third of them are left over from the previous dynasty, especially gold, of which more than 30 billion came from the previous dynasty.

If this huge amount of money flows into the financial market of the Dawen Empire in a short period of time, it will bring disaster instead of wealth. The best place for this fund is to use the country's infrastructure, through which domestic demand will be stimulated and the economic development of the Dawen Empire will be promoted, and the second will be invested in military research and development.

As for the gold, it can be used as the country's gold reserve to resist economic risks. The sudden surprise did not dazzle Li Rujin's mind, this huge amount of funds must be planned and used well to play the greatest role.

Banks are the most important means for a country to control and regulate the country's economy, and the deposit interest rate is a barometer of a country's economic development.

In the banking industry, Li Rujin has a lot of room to operate, and makes full use of the banking industry to provide a booster for the economic development of the Dawen Empire.

This one should be planned well, Li Rujin said goodbye to the old emperor, and prepared to write a plan to explain his ideas and implementation methods. By the way, a housing loan plan will be proposed to further raise the sinking funds of the people of the Dawen Empire.

The Dawen Empire is rich, really rich, but all this money is scattered among the people, and it is a typical rich country and poor. The implementation of the rich and the people is very good, but it lacks the means to gather the funds of the people, and looking at the money, it cannot be taken out.

Li Rujin returned home, locked himself in the house alone, and carefully referred to the business methods and working methods of various national banks in his previous life, in fact, the bank was really simple, low-interest deposits, high-interest loans, and making a difference in the middle.

However, the modern banking industry has overlaid more functions of the bank, which are completely invisible in the Dawen Empire, and Li Rujin wants to transplant these functions from the earth in the previous life.

The plan is divided into two parts, one is the business change and expansion of the banking industry, deposits and loans are the most basic business of the bank, but the business of the banks of the Dawen Empire is narrow, and the loan interest rate is too high, reaching about 10%. Not only is there no interest on the deposit, but there is also a management fee.

All this is not conducive to the flow of funds, so Li Rujin has expanded the number of service recipients in terms of loans, such as small agricultural loans for rural areas, and credit loans can be implemented as long as there is a guarantee for less than 10,000 yuan. Moreover, the interest rate is low, initially set at 2.5-3.5, and sometimes it can be flexibly adjusted according to the imbalance of local economic development.

For loans to small and medium-sized enterprises, credit loans can be implemented between 5 and 100,000 yuan, with simple approval procedures and convenient loan methods, with loan terms ranging from three months to three years and an interest rate of about 3.5, helping the development of small and medium-sized enterprises in the Dawen Empire.

As for medium and large loans, it is necessary to have the corresponding qualifications, the loan procedures are more complicated, and there must be corresponding collateral, which is less than one million, which is still more convenient.

Deposits also have interest, because it is just the beginning, the interest is lower, open a small deposit and withdrawal, lump sum deposit and withdrawal and other related businesses, according to the length of the deposit period to formulate different interest rates, of course, the longer the deposit, the higher the interest.

Through these means, the funds in the hands of the people of the Dawen Empire were concentrated in the hands of the state, and the large-scale investment of the state was provided with financial guarantees. As for financial derivatives, they are not available for the time being.

Of course, the mortgage method is also written in it, which is a big killer weapon for gathering people's funds. Not only the current funds are tied to the house, but also the people's funds in the next few years are also firmly locked.

On the other hand, it is to establish a "gold standard" financial system based on gold, link the banking industry with the construction of the country and the economic development of the country, and not change the essence of private ownership of the main body of the bank.

It was essential to provide the government with a certain amount of financial guarantee for the development of the country, without which the large sums of money in the hands of the royal family could not be injected into the economic system of the Dawen Empire in a legal manner.

In the future, the funds in the hands of the banks will not be able to be injected into the economic system of the Dawen Empire through legal means, and the huge funds will become gray income, which will bring a huge loophole to the future financial management.

It took Li Rujin nearly five days to complete the plan, which is only the first step in the development of the bank, and Li Rujin also has to spend a lot of effort to make the banking system of the Dawen Empire learn the financial model framework, so as to ensure the continuous development of the banking industry with the times.

Third, on the issue of the business division of the Dawen Imperial Bank, there are many businesses, and it is necessary to classify and rationalize the business categories to prevent business confusion and business overlap. Three business divisions were established, namely rural business, industrial and commercial business, and urban residents' deposit and withdrawal business.

In the future, other business departments will be established according to the expansion of the business.

In this way, the empire's bank can be transformed from a simple money-making tool into a sharp weapon for the Dawen Empire to control the country's economic lifeline, and escort the economic development of the Dawen Empire.

Li Rujin handed over the plan to the old emperor, and after the old emperor read it, he just asked Li Rujin to wait for a few days, and when Li Rujin returned to the small courtyard again, the old emperor took him to the main hall of the palace.

The hall gathered cabinet members, members of the imperial family and the top management of the Imperial Bank, after Li Rujin arrived, soon after, the emperor of the empire also came, looking at the posture in front of him, Li Rujin understood, today, he is going to be a teacher again.

Since this is the case, Li Rujin asked the cabinet to take the economic development data of the Dawen Empire in recent years, and give them a lesson today.