After seeing the ceremony, the guests and hosts sat down, Xu Ping looked at Wang Sudao, who was wearing a brand-new cotton robe: "This time I returned to Beijing, Zhongyi looked good. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ”

Wang Su said with a smile: "It is said that we are also a branch of Xijing, I didn't expect it to be so easy to return to the capital." The saint also specially summoned him, and there was a lot of encouragement, and he said that in the future, if there is any official business, the people of Xijing Bank can return to Beijing, and there is no need to play in advance. ”

Xu Ping hurriedly followed Daohe, the official went out of the capital, and it was not so easy to come back. This era is not as casual as in later generations, as long as you go out of the gate of the capital, the official must register, if it is official business, there must be an edict. It will be even more difficult to wait until you come back, and you will not be able to enter Kaifeng City without an edict from the imperial court. The treatment given to Xijing Bank is to recognize that they are not local yamen, but only central yamen based in Luoyang, Xijing, and even have the power to participate in the decision-making of the central government.

After drinking tea, Wang Su said to Xu Ping with a smile: "This time I went back to Beijing at the invitation of Zhang Weiji, a senior official of Jingshi Bank, saying that he wanted to borrow some money from us. Yun Xing, don't you think it's ridiculous? They were all the same banks, and when they were opened, the capital was the same, and after a few days, they actually borrowed money from us. ”

Xu Ping said: "Normally, banks deal with money, and more bizarre things will be encountered in the future." By the way, I have responded to this matter, you will talk about the interest, has it been settled? ”

"It's negotiated, and the annual interest is one percent. Zhang Daguan still wanted to press down again, saying that it was not easy to explain to the saint. I said that if the profit is low, this business will not be cost-effective for our Xijing Bank. To borrow money from the Bridge Division, we directly help them out, and Jingshi Bank is just sitting on the interest, what is the meaning of the low profit? ”

Xu Ping said: "It's okay to make a profit, we won't lose our capital." Look at the end of the year, Xijing Bank still has a lot of cash in its hands, and there is such an opportunity, even if the profit is lower, it cannot be let go. ”

Wang Su said yes again and again. Xijing Bank is the capital of the three divisions, and it is naturally a subsidiary commercial institution of the three divisions, Xu Ping is the master, and Wang Su and they are just going to talk about the details. But it's the same bank that borrows money, which makes them feel novel.

Xu Ping asked some more details, and Wang Su asked, "By the way, why do you have to lend money to Jingshi Bank?" The money that the bridge division needs, can we Xijing Bank completely follow. In the past six months, the tens of millions of tickets for last year's flight have been completely revitalized, and with the deposits collected this year, we are having a lot of money in our hands that we can't borrow. ”

Xu Ping smiled: "You are in business, you can think like this, I can't." Although the Jingshi Bank also has half of the capital of the three divisions, the official family has always regarded it as his money bag, and how can the official family explain that such a big project will leave the Jingshi Bank behind? It's not the same thing to come to you to borrow money because they are not doing well. ”

Of course, there is another reason, Xu Ping just wants to take this opportunity to squeeze the puss of fraudulent loans in the capital, and also teach relevant practitioners a lesson. Banks are reservoirs of money, and as long as a small opening is exposed, it will become a monstrous flood for the people, and it may cause some trouble. It is still in its infancy, and its connection with all aspects of society is not close, and it is relatively not so obvious. Wait until one day everything involving money is linked to the bank, and you will know that it is powerful.

Wang Su sighed: "To be honest, this time Jingshi Bank borrowed money from us, and I really have a feeling of raising my eyebrows. However, when the Holy Lord summoned him, he said that from this winter, he would renovate the Xijing Imperial Palace to prepare for future tours. For this reason, in the future, the attendants of the Xijing Imperial Palace will increase, and they will not be idle in Xijing City and eat food for nothing. The meaning of the saint is to let these servants go to Xijing Bank to do things and make some money. What kind of yamen are we there? What do you want these people to do! ”

Xu Ping said: "You are content! Shengshang's original intention was to transfer half of the people from Xijing Bank back to Beijing and take over the troublesome Jingshi Bank, but I stopped him. Jingshi Bank is just going to change people, and they have to wait until they solve all the previous troubles. Zhongyi, you are in Xijing, I don't know how much trouble Jingshi Bank is in now. Just take advantage of these days in the capital, learn more, and don't let the same thing happen to you. ”

Seeing that Xu Ping said solemnly, Wang Su hurriedly said yes.

After many trade-offs, Zhang Weiji and others finally decided to take a prudent approach, slowly tightening the loan and bringing back the funds to minimize the risk. Loans were issued to the bridge division for major projects to be carried out, and the loans were first borrowed from the Saikyo Bank. The Saikyo Bank has two large economic entities, the field business and the cotton industry, and has abundant funds in hand. Compared with these two major industries, the development of non-governmental industry and commerce is still far from keeping up, and social loans are a drop in the bucket for them.

It is not without cost for Jingshi Bank to borrow money from Xijing Bank, and the original market segmentation pattern between the two sides has been broken, and the companies that have undergone the reform of the three divisions in Beijing can also borrow from Xijing Bank from now on. Although Jingshi Bank can also lend money to Jingxi, judging from the performance of the previous two sides, this is not of much use to them.

As soon as banks tighten their funds, the impact on society is far from being as simple as it seems, and all walks of life will be affected, which is the price that has to be paid. It is cool to put money in the front, and it is naturally painful to collect money in the back, which is something that no one can do. At this time, the transfer of the market to Xijing Bank is really a matter of flesh and sores.

The Imperial City Division checked the situation of the forbidden army's lending, and the advice given was to take it slow in case of accidents. There are too many commanders involved below, and no one knows what will happen if they turn the bottom out at once. Zhao Zhen issued a holy decree to Sanya, saying that he had heard that some people in the forbidden army were gathering for gambling, and asked the commanders at all levels to strictly investigate and strictly prohibit gambling in the army. At the same time, we will ban the channels that send funds to the forbidden army, slowly tighten the funds, and try to solve the matter silently.

Thinking of the forbidden army's way of dealing with this kind of thing, Xu Ping wanted to laugh, but also felt helpless. In a normal military, when such a thing happens, the discipline department will naturally be involved, and after a strict investigation, the ideological and political department will follow up to eliminate the influence. But the forbidden army does not have any functional departments, and when something happens, they don't know where to start. According to the procedure, it is only possible to press the commander-in-chief from the beginning of the three yas to the next level and let them solve the problem, and when the commander-in-chief himself participates, he will be at a loss.

An army of hundreds of thousands of people, with no subordinate officials and no functional departments, only relies on about 100 public officials to handle daily government affairs, such an organizational form is unbelievable in Xu Ping's opinion. In a normal army, the functional departments of command, politics, logistics, equipment, training, and discipline are indispensable, and China's armed forces thousands of years ago had the rudiments of these departments, but by this era they were all gone. Without functional departments, how can the management of superiors and subordinates begin? Relying only on the commander-in-chief? That's a joke, management is first and foremost in charge of things, and then in charge of people, and management of people is subordinate to management.

Since the beginning of Taizong, the war has paid attention to the middle of the emperor, and the battle is conferred on the formation map, which looks ridiculous, but there is no way to actually think about it. There was no need for Taizu at the time, it was in wartime, and the entire late Tang Dynasty was in wartime, and this set of management system was not a big problem. In times of peace, when the organizational and management structure remains unchanged, then all kinds of problems arise. If the formation map is not granted, such an army will not even be able to fight.