Not only Lin Shenbian was puzzled, but Qin Shenyun next to him also showed a puzzled look: "Let our royal family industry be a bank?" That's a bit of a span, isn't it? ”

Pan Lixuan also smiled bitterly: "No way, we are not familiar with it, but the group of officials in the Ministry of Finance do not understand this even more, and the new bank will not only be a simple commercial bank, but also need to take on the important task of stabilizing the financial market and providing funds for industrial development. ”

Speaking of this, Pan Lixuan also turned pale: "The industries under our finance department are royal industries, and their business philosophy is not to make more and earn less, but how to better serve the emperor!" ”

"And leading the development and progress of the empire's industry and commerce is a responsibility that cannot be speculated on with our royal industry!"

Hearing Pan Lixuan say this, the following group of people didn't dare to continue to speak, yes, everyone here is not simply the person in charge of the enterprise, and the royal industry is not a simple enterprise, as a royal industry, you must have the consciousness of the royal industry, no matter how commercialized the business model is, but it can't get rid of the strong political influence.

In fact, not to mention the bank, in fact, the predecessor of the royal industry, the Lin Commercial Bank, has been closely related to the government early on, and its investment in the construction and development of the Lin Deji Factory, Jinling Arsenal, and Shanghai Shipyard These three major investment projects are completely for the military.

Otherwise, if you look at the number of large commercial banks with assets of more than one million yuan in the trade zone, why don't people invest in shipbuilding, artillery and other defense industries on a large scale?

Although the arms industry can be regarded as a windfall profit, the profits are very rich, but the scale of the initial investment is too huge, often hundreds of thousands of taels of funds can not be easily taken out by anyone, and this kind of heavy industry is often always lacking in development funds, the initial investment can only start, and the profits of the first five or six years let alone dividends to shareholders, shareholders are lucky not to continue to add large investments, and they do not know the year of the monkey if they want to recover their investment.

If they put a lot of money on heavy industries with huge investment and long cost recovery periods, they might as well invest in light industries such as the textile industry, which have small investments, strong market demand, and high profits while recovering costs very quickly.

Capital is profit-seeking, and it is impossible for Lin Zhe to use a gun to force those businessmen to invest in heavy industry and the like.

But I can't help it, at this time, the only thing Lin Zhe can rely on is the royal industry!

This can be seen from the project of Jinling Arsenal, and the royal industry plays a considerable role in the industrial layout formulated by Lin Zhe.

Now running a bank, Lin Zhe naturally can't let the royal industry stay out, it's not that he wants to make more money in the royal industry, in fact, more money and less money are secondary, and the more important thing is that if he wants to implement monetary reform and stabilize the financial market, he needs a strong and influential bank.

And there is nothing more convenient to do than the royal industry, which combines both business and politics. Therefore, regardless of whether these corporate managers of the royal family have been engaged in the financial industry before, they have to bite the head.

Pan Lixuan's words made everyone fall into deep thought, and after a while, Qin Shenyun spoke: "If we want to do it, we don't have anyone who has ever run a bank or a bank here, so the most important thing for us in the next step is to find a large number of talents in the banking industry!" ”

Qin Shenyun spoke, and the others also picked up the conversation one after another.

Shi Ding, general manager of Shanghai Shipyard, said: "In this regard, maybe we can directly acquire a bank to get a direct banking system!" ”

"Funding is also a problem, although we have a lot of cash flow, but they are fixed projects that need to be invested, and now we have to draw out a lot of money to build a bank, I'm afraid it will be a little difficult!" It was Lin Shenbian, general manager of the Shanghai Textile Company, who spoke.

Although there are many subordinate enterprises in the royal industry, in fact, only the Shanghai Textile Company can provide a steady stream of huge profits, as for several other large enterprises, such as Linde Machinery Factory, Linde Machinery Company and Shanghai Shipyard, they are still in the stage of large-scale investment, and they can't come up with much money at all.

However, the Shanghai Textile Company is also continuing to expand, trying to expand and consolidate its leading position in the silk industry, so that they can come up with tens of thousands of taels of silver is not a problem, and it is very difficult to do more.

But tens of thousands of taels of silver to open a bank? Don't be funny, which of those who opened banks and banks in the business zone did not have a capital of millions or tens of millions.

Pan Lixuan said at this time: "I invested in my royal industry in the early stage, but the Ministry of Finance has also agreed, if we can get it, then they can hand over a large amount of taxes, especially customs duties, to us for escrow, as long as there is cash flow, then the follow-up development, especially the issuance of loans, is not a problem!" ”

Just when Pan Lixuan led a group of heads of royal industries to discuss how to open a bank.

In the temporary palace in Nanjing, Lin Zhe was also listening to the report of Lu Xiangbing, Minister of Finance.

"The pattern has come out, and according to the plan we have made earlier, the first batch of new coins will be divided into copper dollars and silver dollars, copper dollars will be divided into two cents, five cents, and silver dollars will be one dime, two jiao, and one round.

A silver dollar with a face value of one yuan weighs seven coins and two cents, two corners are one dollar and four cents, and one corner is seven cents and two cents, and ten dimes can be exchanged for huàn silver dollars and one yuan, and copper dollars can be used as ten cents and five cents as fifty cents. ”

said that Lu Xiangbing had already handed over a brocade box, which contained five pattern coins, and Lin Zhe picked up the largest silver dollar with a round denomination.

The silver dollar was laced, the size and weight and silver content were the same as those of the foreign rounds, and the pattern on the obverse was printed with his head, which was engraved with the words 'The First Year of Xuanwu of Great China'

The back is surrounded by a dragon pattern, and the word 'One Yuan' is engraved in the middle.

This doesn't look good, and it feels good to the touch, put down the silver coin, and then he picked up the silver coin with two corners and one corner in order, these two silver coins are much smaller, and the front side is also printed with his head, and the back is also a dragon pattern, which are the words one horn and one horn.

This set of silver coins is generally similar to the foreign silver dollars that have been widely circulated in Shanghai.

However, Lin Zhe only looked at this set of silver coins slightly, then put it down, and then picked up the two copper dollars and looked at them carefully, to be honest, Lin Zhe valued these two copper dollars more than the three silver dollars.

Since the silver dollar is calculated according to the silver content, there is not much difference between one tael and one yuan, and the people are easy to accept, and it will not cause too much fluctuation, but the copper dollar is different, because the exchange rate between the money and silver fluctuates greatly, if you mess with the bad currency, it is easy to make the copper dollar just issued lose the trust of the people, so that it is difficult to circulate.

The circulation of the new copper dollar was more important to the nascent monetary system of the Chinese Empire than the issuance of silver coins.

On the one hand, because the copper dollar and money are the daily use of the currency of ordinary people, the middle and lower class people actually rarely use silver dollars in their daily lives, without him, the value of silver dollars far exceeds the income of ordinary people in this era, ordinary people work hard for a year, and they can't save a few silver dollars, so they use money in daily life. Now that the new currency of the Chinese Empire is being issued, these copper dollars, which are used as substitutes for money, can easily cause large-scale depreciation and unnecessary social unrest.

On the other hand, there was a lack of copper in the area controlled by the Chinese Empire, so it was impossible to continue to issue a large number of coins for one penny, but it was also impossible to stop issuing them directly like Xianfeng, so they simply issued copper coins with a larger face value, and a copper dollar of one cent was used as a money for ten wen, but the copper content was far less than the previous ten wen.

Although the copper content of this one-cent ten copper dollars is less than that of ten coins, because it is a mechanism, its pattern is exquisite, and the quality is much stronger than those old copper coins.

"Not bad!" Lin Zhe put down the set of pattern coins in his hand, and then said, "When are you going to issue it!" ”

Lu Xiangbing immediately replied: "Now the Mint is in the final process of debugging, and it is expected that it will be able to be printed and issued on a large scale within this month!" ”

Lin Zhe said: "Well, don't be too anxious in time, the key is to prepare the preliminary work in advance, and don't have unnecessary changes at that time!" ”

In fact, the issuance of new currency is not a matter of urgency, and in fact, even if no new currency is not issued in a short period of time, there is still enough silver and money in circulation.

However, the issuance of new currency is not only to solve the problem of market circulation, but also to establish a stable monetary order, to know that all kinds of silver ingots in China, money is chaotic and disorderly, its silver content, copper content is strictly zhòng different, when you take silver to trade, you have to check the purity of these silver, and then weigh it, if you are not careful, you will suffer unnecessary losses.

If the two yuan can be abolished, the currency market will be much more standardized, and there will be only silver dollars and no other messy silver ingots and the like.

At the same time, the issuance of new currency also has the symbolic meaning of promoting the new dynasty, and after the founding of each dynasty and even after each emperor ascended the throne, new copper coins or other currencies will be issued to announce to the world that the dynasty has changed.

Therefore, although there was no urgent demand for new currency in the market, after the establishment of the Chinese Empire, officials of the Ministry of Finance still regarded the issuance of new currency as a priority, and as early as last year, they ordered a coin machine from a foreign country and began to design patterns.

What is very interesting is that at the beginning, there was no head of Lin Zhe on the silver dollar, but only a dragon pattern, and later some people proposed to follow the example of Western countries and engrave the head of state.

But it attracted the opposition of many people, many people thought that Lin Zhe was the emperor of the empire, the supreme in the world, how could his holy face be visible to ordinary people day and night, and with the respect of the emperor, how could he be contaminated with that copper-smelling thing?

Some people are even more worried that this silver coin is engraved with Lin Zhe's head, if the silver coin falls to the ground and is stepped on, is this considered an offense? If you don't count, Lin Zhe's avatar has been stomped on, and if you don't let people use this silver coin, it will be offensive to step on it, and I will cut the silver coin to pieces another day, and I will not be exterminated.

In the end, Lin Zheli overrode the public opinion and printed his avatar, regardless of any offense or the like.

The reason why Lin Zhe did this, I have to say that it was influenced by the concept of later generations, the establishment of the Republic of China in later generations, Yuan Datou carved his own head, Sun Wen's head was also engraved, after the founding of the People's Republic of China, Brother Runzhi also regarded his own head as a currency pattern, when hundreds of people spend money, they have to look at this old man, and the sense of saving is full.

Carving your own portrait on the currency is a privilege reserved only for the founding leaders, and it's a waste of time! (To be continued.) )