Chapter 548: More Headaches

readx; At the same time, there are many people who are playing the same scene in different banks in the country, but there is one point, the purchase of government bonds can only be carried out in the Imperial Bank. Pen @ fun @ pavilion wWw. biqUgE怂 ļ½‰ļ½Žļ½†ļ½

In other words, they are unable to purchase treasury bonds in the local banks, in other words, they are unable to subscribe to the treasury bonds because of their ranks, and in the same way, all the funds for the issuance of treasury bonds will be included in the central treasury and will not interfere with the local finances.

This is also a rather strange thing, the central finance of the Chinese Empire has been unable to survive for several years, not only needs to allocate a huge amount of funds to the local finance every year, but the income is pitifully small.

It can be said that if you want to say which department is the poorest, the central finance should be the first, which is mainly related to Su Dao's governing philosophy and the neat layout of the country.

The total issuance of the first batch of treasury bonds is 10 billion yuan, and this money is honest, it can be used for emergency purposes, if it is still carried out according to Su Dao's plan, it is estimated that the second batch of treasury bonds will need to be issued in less than half a year.

After all, the J-2 fighter and the Chinese Sword air-to-surface missiles are both big spenders, and even the navy is a little afraid to compare with them now.

Through the issuance of treasury bonds this time, Su Dao also has a deeper understanding of the domestic situation, at least knowing what the current living standard in China is.

It took less than three days for the 10 billion yuan treasury bonds to be sold out, which translates to an average of about 3.3 billion yuan per day, and the speed of accumulating wealth is greater than that of any other country in the world.

And this 10 billion national debt is only for the ordinary people in China, the purchase of national bonds starts at 5,000, as long as a family can save up for a year, in addition to eating and drinking, it can almost save 5,000 yuan.

Although prices are extremely low now, this kind of salary seems a little too high, but don't forget, how can there be a family of three at this time? Most of them are five or six people, and even families of about ten people are also grasping a lot.

Moreover, through the reports of the national radio and domestic media, coupled with the prestige of the political axe in China, many people have converted their bank deposits into government bonds, which has also led to a sharp decline in domestic bank deposits, and a large amount of funds have been withdrawn by the central government.

The most directly affected is the growth rate of domestic small and medium-sized enterprises, because of the decline in bank deposits, small and medium-sized enterprises will also be subject to stricter scrutiny when they take out bank loans, which also leads to the inability of many small and medium-sized enterprises to obtain loans.

To put it bluntly, this issuance of treasury bonds has also indirectly led to a number of small and medium-sized enterprises entering the verge of bankruptcy or even bankruptcy, and even if there is no sign of bankruptcy, the development speed has also slowed down a lot.

Although intuitively speaking, the issuance of treasury bonds by the state does not have much impact on bank lending, the issuance of treasury bonds by the state will inevitably affect the sharp reduction of banks' cash flow.

In addition, the second batch of treasury bonds is also in full swing, and considering the impact of the treasury bonds on domestic enterprises, Su Dao does not plan to issue the second batch of treasury bonds in China, but decides to put the second batch of treasury bonds on sale within the political axe and the army.

As early as the issuance of the first batch of treasury bonds, the central government clearly pointed out that it was forbidden for any public servant to buy treasury bonds, that is, the first batch of treasury bonds could not be purchased by all civil servants, including the families of civil servants, and any civil servant in the family was forbidden to buy them.

As the controller of the country, the term civil servant is not as popular as in the Republic of China, not only because of the lack of gray income, but also because the welfare benefits are very good, but in some places where they have contact with the people, their treatment has decreased a lot.

Just like the second batch of treasury bonds, the interest rate of the first batch of five-year treasury bonds is six points, and the normal five-year fixed interest rate of banks is about 5.2, while the interest rate of the second batch of treasury bonds within the political axe is 5.6, which is 0.4 percent higher than the bank interest rate and 0.4 percent lower than the first batch.

This move has caused dissatisfaction among many civil servants, who are also citizens of the country, who believe that they should be treated in the same way as ordinary citizens.

However, after Su Dao's reprimand, this voice was completely neutralized, for example, ordinary people did not have a mandatory surname on weekends, and even so, their salaries were not as high as those of civil servants, and there were other aspects of treatment.

If civil servants have been asking for an increase in interest rates to six points, then early next year, the central government will consider bringing the treatment of civil servants on par with ordinary domestic workers.

In other words, if you make any more trouble, you will cancel all your benefits, and your salary will be reduced, depending on whether it is a good profit or a high salary and benefits.

In this way, the civil servants who dare to make trouble in the country will bow their heads and admit it, anyway, the extra 0.4 points will not play a role, at best it is only a few hundred yuan, and they are not short of these hundreds of yuan, why should they ruin their good future because of this incident?

What everyone didn't expect was that among the civil servants, there are not many who are too rich, but there are a lot of middle classes, as long as the civil servants who have worked in the political axe since the founding of the People's Republic of China, until now, if the family expenses are not too large, basically everyone can buy a national debt of 10,000 or 20,000 yuan.

And those officials are even more, because the salary is not low, and the canteen for three meals a day is basically managed, so those high-ranking officials can buy about 100,000 treasury bonds at most, and 30,000 or 40,000 if they are less.

Therefore, when the second round of government bonds ended, about 10 billion yuan of government bonds were sold by the government government alone. In the face of the Chinese Empire, which has more than 3 million civil servants, on average, each person is equivalent to buying more than 3,000 yuan of national debt.

Note: Civil servants here refer to all the staff of the political axe, public institutions, public schools, hospitals, etc.

And the situation in the army is a little unhappy, after all, they are all people who pin their heads to the waistband of their trousers, and once a month, the military salary is either spent directly or sent directly home, and everyone basically has no money on them.

Therefore, in the army, only less than 1 million treasury bonds were sold, and because of the special surname of the profession, all the treasury bonds purchased by the officers and men of the army can also be taken out in different places by the people designated by them, of course, the premise is that they need to have their own identity cards, military certificates, and national debt certificates.

After going back and forth for so long, the time has slowly entered October, and at this time, there are more than 20 billion more activity funds in the account of the central treasury of the Chinese Empire, which makes everyone breathe a sigh of relief, at least for a short time, they don't have to worry about money.

But then, another headache came, the country is not short of money, but the banks are short of money. It can be said that this is a bottomless pit, as long as the treasury bonds are issued, it can be said that it is to rob the bank again, although it is only borrowed, but it still robs the bank's savings funds.

For many people who have deposited money in the bank, except for some of the money that cannot be withdrawn at the end of the death period, many people withdraw the money deposited in the bank to subscribe for treasury bonds.

If it weren't for the fact that the national debt was only 20 billion yuan (the private government plus the political axe), it is estimated that the entire bank would be empty, and now, the bank is also forced to have no choice but to go to those loan companies to see if they can repay the loan in advance, so as to avoid the rupture of the bank's capital chain.

To be honest, once the bank's capital chain is broken, the consequences are even more terrifying than the lack of money for the political axe.

However, Su Dao is somewhat to blame for this matter, mainly because he didn't think about it clearly in advance, if he didn't do this, he could directly borrow money from the bank in the name of the political axe, so that he could also get money, and also save a link of national debt.

In this way, although the bank's funds were misappropriated by the political axe, this is also a normal investment of the bank, and the repayment can be made according to the market-oriented interest rate, and the bank can at most shrink in the next lending, so as to at least ensure the current uniform development of the country, rather than starting to shrink.

"There are so many things that can be done by issuing a treasury bond, and it is better not to issue it if I knew it."

Su Dao looked at the recent reports in the office and said with a headache.

In just one month, from the issuance of treasury bonds to the present, hundreds of enterprises reported by tax offices at all levels have applied for deregistration, that is, they have gone through bankruptcy procedures, for no other reason, basically all of them have been unable to obtain loans from banks, and enterprises have been unable to maintain normal operations.

"There's no way around it, no one knew there would be so many things before."

Wu Zhongguo also responded very depressedly, everyone is playing this thing for the first time, and they don't know that there are so many heads in it.

And Su Dao recalled that many of the national bonds in later generations were bought by foreign political axes, on the one hand, this could kidnap foreign political axes on himself, and at the same time, it could also relieve domestic pressure.

And Su Dao for his own selfishness, in order to prevent more money from being lost abroad, so he issued treasury bonds for China, but what he didn't expect was that it would cause so many things.

"Isn't Germany going to buy our warships? You go and talk to the German ambassador and sell it to him, but you must also buy a certain number of transport ships, and say that they will use them to attack the United States in the future, and at the same time contact Chairman Chiang and the little devils, as long as they can afford the price, we will sell them.

In addition, it is better for the domestic side to return 10 billion yuan to the bank first, anyway, there is so much money in hand for a while can not be spent, let the bank first open up the loan procedures for private enterprises, to avoid more enterprises from going bankrupt, and when these ships are sold, we can have an emergency. ā€

Su Dao looked at Wu Zhongguo helplessly.

The Germans mainly wanted to buy aircraft carriers and submarines, although the U-boat achieved great results, but the losses were also not small, compared with the 209 is simply weak, as everyone knows, the 209 is the subsequent improved version of the U-boat submarine.

If we can sell these to the Germans, we can also get a lot of money, no less than the 10 billion national debt. And Xiao Yueben, haven't you been clamoring to increase steel aid and let them build more warships? It's better to come to me and buy it directly, as long as you have money, you can give as much as you want.

As a result, Su Dao was very unsociable and returned half of the treasury bonds he had just received to the bank, and then continued to raise funds by selling ships, which was also the last thing Su Dao wanted to do, because in this case, the sea power of Germany and Yuben would become stronger, and it would also be a threat to the Chinese Empire. (To be continued.) )