Wang Feng glanced over and saw that every boss was looking at him, so he took out a banknote from his pocket, shook it on both sides, and asked, "Do you know each other?" ”

This banknote, the front is printed with a foreign woman's head, the back is a foreign man's statue, the upper right corner and the lower left corner are each printed with 20 Arabic numerals, the rest are all in foreign languages, Hu Xueyan took it in his hand, looked at it repeatedly, and the people around him also rushed over, but they couldn't even understand the text on it, and how could they see the calendar?

"It's pounds, it should be twenty pounds!" is still a wealthy boss from Ningbo, and he only confirmed it after watching it for a long time.

"Yes, that's exactly what the pound is!" Wang Feng nodded: "The pound is a currency issued by the Bank of England, what I want to talk to you about next is that the bank, the way the money is operated is a relatively primitive way, there is no problem in China, but once it faces the impact from international financial capital, it is easy to collapse."

As I have just rehearsed, if there is a foreign bank that intends to attack you, with its abundant capital and huge strength, I am sure that it will be enough to acquire enough silver notes in a short period of time, so the problem we are facing is how to ensure the safety of the capital and seek to grow and develop on this basis, and the only way to solve the problem is to set up a commercial bank."

Wang Feng talked about the basic business and derivative business of Datong modern commercial bank, and everyone seemed to understand it, and nodded again and again, but [However, Hu Xueyan frowned and asked: "Commander Wang, the banking business is relatively similar to the money bank business, and it should not be difficult for us to transform." But how can you avoid the risks you mentioned? If someone wants to deal with us, can't they attack it by guò hostile acquisition of silver tickets? ”

Wang Feng smiled slightly: "Boss Hu asked well. That's where the key, your capital. The small ones are hundreds of thousands of taels, and the big ones are only tens of millions of taels, compared with foreign banks, it is the difference between shrimp and giant crocodiles, only relying on stragglers to carry out individual combat, the strength is definitely weak, if you want to resist risks, there is only one way, first of all, you should unite with capital to set up a commercial bank. Secondly, the establishment of a central bank by the government!

Running a commercial bank is your own business, I won't say much, I will talk about the central bank now.

The central bank has the power to issue currency, assumes the function of supervising and administering ordinary commercial banks, and adjusts monetary policy in a timely manner according to market changes, while commercial banks will no longer be able to issue silver bills, and can only provide customers with certificates of deposit or passbooks based on deposits. The latter two cannot be used as currency in the market, and only assume the function of redemption at maturity.

In addition, businesses must have sufficient capital and must pay a percentage of reserves to the Central Bank on the basis of their deposit balances. It is used to control the risk of over-lending, and in case of a run, it can request the central bank to use reserves. There is even a credit endorsement from the central bank to tide over the storm. ”

Wang Feng said it very clearly. It is not difficult to understand, on some kind of Cheng dù. Silver bills play the role of currency, often traders trade with each other, directly take the reputable silver bills to pay, no cash at all, which is equivalent to the private issue of currency in the market circulation, that is, private ownership of the right to mint, for the time being, basically the major ticket number money banks have the right to mint.

The key points mentioned by Wang Feng are, first of all, to ban the circulation function of silver bills, to prohibit private individuals from owning the right to mint money, and to use only the currency issued by him in the market; second, the central bank has control over the management of the commercial banks, and the commercial banks will not be able to have the right to set the interest rates on deposits and loans, and the benchmark for the pricing power will be in the hands of the central bank, and finally the reserves.

In the past, the reserves were reserved by each money bank by their own consciousness, and no one knew how much to keep or how little, and there was no unified regulation, but in the future, it was necessary to hand over the reserves to the central bank opened by Wang Feng, which means that this part of the money is not under their own control, and as long as the bank deposits zài for one day, there must be reserves deposited in the central bank, doesn't this mean that if there is no run, the reserves will be permanently owned by the central bank?

Just like Sun Wukong, he is used to being free, and he was suddenly put under a tight spell, can he stand it? The shopkeeper of the money bank present also thought so, although the credit endorsement provided by the central bank gave them no worries, but there is no free lunch in the world, just with a possible run risk, it is necessary to hand over many core powers, no one is willing, and no one is willing!

At this point, the joyful atmosphere in the banquet is gone, and everyone is you look at me, I look at you, and they are silent.

Although Zhou Xiuying does not understand that financial power is the core power of a modern state, and its importance to the country is no less than military power, but she understands that this is a very important confrontation, which is related to Wang Feng's acquisition of the huge financial capital of Jiangsu and Zhejiang, and she can't help but look at everyone one by one!

Nowadays, she sees people's hearts very clearly, and from everyone's eyes, she sees many negative feelings such as dissatisfaction, deception, anger, remorse, and unwillingness.

In her understanding, Wang Feng is doing it for their good, but these people don't know what to do, what else can they say except for the eyes of the mouse?

Finally, Hu Xueyan couldn't help it and arched his hand; "Commander Wang, we have been operating money banks for many years, especially those in Ningbo, since the Wanli period of the Ming Dynasty, they have started a money bank business, and they have been operating for hundreds of years, and there has been no big fork, and you have imposed many restrictions at once, please forgive you for saying bluntly, this is not the same as our money banks have become subordinate institutions of the central bank? Until it was gradually controlled by the central bank? So what's the point of opening a bank? It's better to leave it all to the central bank, you say? ”

"Oh? Is this what you really think? Wang Feng didn't raise his head, still playing with the pile of silver tickets.

Wang Feng looked contemptuous, and everyone's hearts were full of anger, and Ye Mingcheng, who came from the Ye family, said: "Commander Wang, the Manchu Qing Dynasty has never been so forced, if there is really a run, we will admit it ourselves, don't bother you!" ”

Wang Feng's face sank suddenly, and he reprimanded sharply: "You should bear it if you go bankrupt due to your own improper management, but what about those people who deposit their money in your bank?" Who bears their losses? Could it be that saving money to lend you money, allowing you to make money, and in the end you have to bear losses for your improper operation, and the family's lifelong savings will be wiped out? What kind of reasoning is this?

I did not establish a modern banking system to seize your family property, the capital is yours, and the production and operation are determined by you. The first is to standardize the operation of the banking industry, avoid vicious competition in the same industry, and resist risks to the greatest extent, and the second is to ensure the safety of the people's deposits, and never allow banks to pass on the risks to the people, and never allow depositors to jump into the sea with you because of your bankruptcy, and then cause social turmoil!

I know that there are many self-discipline clauses in the money bank ticket number industry, and it is undeniable that it is the deposit of these self-discipline clauses that has promoted the vigorous development of the money and bank industry, but which one of them has effectively guaranteed the safety of the people's deposits? Although you are jointly and severally liable for unlimited damages, is your family property enough to compensate? If the government does not provide credit support, who will pay for the shortfall? Do depositors consider themselves unlucky? Since the government provides support, it is inevitable to formulate rules and regulations for supervision, and the government cannot act as the wrongdoer!

Taking a step back, if there is a case of compensation, is your principle to give priority to large depositors or small depositors, and whether to give priority to those who are close to each other or to treat them equally? Do you have any clear payout terms? Well? ”

Ye Mingcheng's face was blue and red, Wang Feng's accusation was not polite, but also extremely sharp, although it was to the point, there was a bankruptcy of the money bank in the history of the depositor blocking the door, and finally the whole family committed suicide, the picture is a hundred, and the depositor who suffered a huge loss followed the extreme case of suicide, but he still didn't think it would happen to him, because the scale of the big peer money bank was there, and it was operated by several powerful large households, how could it not resist the sudden crisis? He always believed that Wang Feng's purpose was only to annex their money bank!

Gritting his teeth, Ye Mingcheng arched his hand: "Commander Wang may be motivated by good intentions, but there are too many restrictions, my Ye family can't bear it, farewell!" With that, he walked out.

Wang Feng sneered: "Since you are unwilling to cooperate, then good, I won't force you, it's a big deal that our Democratic Alliance Army will open a state-owned commercial bank on its own, I will say something unpleasant, even if everyone here joins forces to resist me, I am not afraid, we have national credit to ensure the safety of the people's deposits, compared with national credit and private credit, who will the people trust more?" If one or two of you are lost, will it lead to a crisis of confidence in private banks, which will lead to an avalanche effect? ”

As soon as these words came out, Ye Mingcheng's footsteps just now immediately froze in mid-air, and his forehead was instantly covered with cold sweat!

He suddenly remembered that Wang Feng had nearly 200 million taels of silver tickets in hand, and 200 million taels were thrown out, who could catch it? I don't dare to say everything, nine times out of ten, the money bank here will go bankrupt on the spot!

Wang Feng holds a huge amount of silver tickets and is their biggest creditor, which is equivalent to the lifeline being pinched in Wang Feng's hands!

The banquet fell into a deathly silence, and even some people had the idea of desperately losing their credibility and shutting down the money bank business in the south and fleeing to Beijing, but this idea was immediately pressed, there was no way, the Democratic Alliance was too strong, and escaping was tantamount to relieving the debt, which would completely offend the Democratic Alliance. It must be the result of raiding the family and exterminating the family!

For Wang Feng, everyone here has studied it in private, and has some understanding, if you and he do things according to the rules, he will also have good things to say to you, but if you don't follow the rules first, then he will be ruthless! (To be continued......)

ps: Thank you knowknowknow for the two monthly passes~~~~R1292