Zhao Pu asked: "I don't know the Qing family, what is the understanding of the banking regulatory department and the bank?" ”

Zhao Ding said: "The main role of the Banking Regulatory Department is to formulate some rules for banks, and it is also responsible for supervising the operation of banks in the future and preventing irregularities of banks." As for the bank, the main business in the initial stage was only the exchange of money, and the profit was obtained from the exchange in other places. In the medium term, deposits can be appropriately processed and loans can be issued. In terms of deposits, in order to attract more deposits as soon as possible, customers should be given one to two percent of the interest money, and with this deposit interest, it is believed that a large number of deposits will soon be attracted. In terms of lending, it is necessary to pay attention to the credit of the other party, and for those customers with bad credit, they must have silk cocoons, silk cloth, real estate or fields and other collateral when lending. ”

These are all scenes, Zhao Ding has done a draft, and he has a general understanding of some knowledge of the bank!

Zhao Pu asked again: "In the early stage, how many silver taels does the bank need to prepare?" What is the scope of the bank's expansion? ”

Zhao Ding immediately replied: "Set up a head office in Hangzhou, and then set up a branch in each road, and add it appropriately in some commercially dense and densely populated areas. The head office and branches each need about 300,000 yuan in reserve funds, plus personnel training in the early stage, site establishment and other matters, and the start-up capital needs at least 2.5 million yuan. ”

"It's just that the imperial court doesn't have any money, and I can't even take out 100,000 yuan, let alone 5 million yuan!" Zhao Pu said quietly: "If you don't have money, how can you figure out a way?" ”

Zhao Ding said: "The treasury is empty, but the people are not short of money. Your Majesty, you can adopt the method of financing, absorb private capital, enter the bank, as the principal, and at the same time let the businessmen share a part of the benefits! “

It's an empty glove white wolf again!

Historically. When the imperial court had no money, it raided the house, exterminated some wealthy merchants or officials, and replenished the treasury. Of course, there are also some businessmen who are very shrewd and directly donate their family property and take the initiative to cut their meat to avoid the end of being raided.

This time, the bank is being established. As soon as there was a hint of financing, a large number of businessmen took the initiative to offer money, and after carefully counting, there were about 10 million yuan. Zhao Pu had to sigh that the Song Dynasty was rich. As long as you squeeze it, the money will come out. Comparatively. Emperor Chongzhen forced a lot. begged grandma to tell grandma, but there was still no money.

Actually, Chongzhen can't be blamed for this! The heavy place of taxation is in Jiangnan, and there is the Donglin Party as an umbrella, and the capital is in Beijing, so the control over Jiangnan is poor. It can be said that the holy decree won Beijing, but it could not go down to the south of the Yangtze River.

Today, the capital of the Great Song Dynasty is in Hangzhou, in the center of the south of the Yangtze River. The control over Jiangnan is extremely strong. Militarily, it is controlled by the eight-character army and the local army; In terms of public opinion, there is the dictatorship of public opinion in the "Broken Prisoner Daily". If anyone asks for money and doesn't want to die, it will definitely be the material for raiding the family and exterminating the clan the next day; If an official proposes a tax reduction policy, it will definitely be sprayed by the ministers.

In fact, today's Great Song Dynasty, whether it is a traitor or a virtuous minister, is raising taxes fiercely, and I am afraid that the treasury will not have enough money!

Don't look at Zhao Pu, the emperor, who has no money, but as soon as his mouth opens, a large amount of money immediately comes. Of course, Zhao Pu will not open his mouth easily, as the so-called hands that take people are short, and the mouth that eats people is short.

Although it is easy to raise more than 10 million yuan, Zhao Pu will be selected for admission. Some people are not qualified enough, their character is not good, and they don't want to give it for nothing!

Zhao Pu nodded secretly and asked a few more questions, and Zhao Ding answered them all correctly.

Looks like you've done your homework!

In this way, the monarch and the minister kept answering each other. At the beginning, Zhao Ding could still answer calmly according to the homework he had done before, but the more he asked, the more trivial and scattered it was. It's not difficult, but there are pitfalls.

Answering, sweat gradually appeared on Zhao Ding's face, and he was nervous in his heart.

Thinking back again, some questions seem to have been answered incorrectly, but the emperor didn't point them out.

This is an interview, interview with the director of the China Banking Regulatory Department, whether you are qualified!

In the end, Zhao Pu came to the conclusion that he was barely qualified and would not appear too big a basket.

Zhao Pu advised: "Once the bank is established, it will operate independently, and the CBRC is only used as a means of monitoring, but it should not directly interfere in the daily operation and management of the bank, let alone withdraw money from the bank for other purposes at will." The only way to get money from the ticket number is to wait until the end of the year to settle the dividends. In this way, we can ensure that the ticket number can operate normally......"

"The bank is the second treasury. The treasury could take money directly from it, because it belonged to the imperial court; But banks are different, and the money in the banks belongs to the people. If it is because the imperial court arbitrarily withdraws money, resulting in the collapse of the bank, the people cannot exchange the money, and the bill of exchange becomes a piece of waste paper, which is equivalent to nakedly snatching money from the hands of ordinary people, which is worse than the Jin army! “

"Therefore, the bank is private, but also the people's, can not directly withdraw silver money from the ticket number, only with the imperial court finance and taxation as collateral, with low interest to borrow silver money, in order to solve the dilemma faced by the imperial court."

Zhao Ding nodded and said, "Weichen understands!" “

In his heart, he was extremely disdainful, and felt that the current emperor was a little hypocritical. The emperor robbed the people's money, and it was not once or twice, it was no big deal. Besides, the whole world is not the king's land, and the shore of the land is not the king's ministers, the people's money is the emperor's money, and the emperor is short of money to spend, so it is reasonable to ask the people for money.

As long as it doesn't go too far and provokes the people to rise up, it's fine!

As for the imperial court withdrawing money from the bank, it has to be borrowed in the form of a loan, which is nothing more than borrowing money from the left hand to the right hand, which is a bit self-deceptive!

"In the long run, banks are extremely important to the imperial court, like the heart, which can effectively regulate the market, promote economic circulation, reduce the financial burden of the state, and so on; In the short term, the imperial court can quickly raise a large amount of funds to deal with the invasion of the Jin army in the north, so that our dynasty has enough financial resources to go north! ”

Zhao Pu said, "The Northern Expedition focuses on three points, one is the strength of the soldiers, the second is the abundance of finance, and the third is the unity of the upper and lower levels." The establishment of the bank is related to the success or failure of the Northern Expedition, and there is no room for negligence. There is no one who can rest assured, and I am not willing to let him go to the banking inspection department! ”

Zhao Ding was excited, originally thinking that this was a demotion and suppression, but in fact, it was a clear demotion and promotion.

Left his original post and moved to a more important position. This position, the grade may not be high, but the status is extremely important, which is related to the success or failure of the Northern Expedition.

"Official, Weichen is willing to die!"

The gloom in Zhao Ding's heart dissipated, and some were just joy and excitement.

Zhao Pu smiled slightly and said: "The Qing family, when it is brought to the success of the Northern Expedition, the name of the Qing family will inevitably be indispensable on the Meritorious Pavilion!" “

………………

Under some persuasion, Zhao Dinghuan happily went to office!

At this time, the preparatory work of the bank is also nearing the end, and it only needs to be ordered to wait for the last good date to be established.

At this time, news came from Hangzhou that the palace was repaired and it was ready to move in!

The capital of Hangzhou has already been decided, but some necessary infrastructure has not been repaired, so it can only be stranded in Yangzhou.

Dingdu has never been an easy task.

The relocation of a political center will inevitably involve a large number of constructions, some palaces to be built, and some officials' houses to be built, all of which are extremely huge projects. In fact, there is no well-developed infrastructure and is not qualified to act as a capital at all. In the capital of Hangzhou, before the construction was complete, Zhao Pu could only stay in Yangzhou!

Although, as Zhao Pu said before, Hangzhou is only a temporary capital, and the palace is also as frugal as possible, and some unnecessary buildings can be omitted, and they can be cut down. But even so, the amount of work is still quite a lot.

After all, this is the imperial capital, this is the place where the royal family lives, and it is where the face is, how can it be too shabby!

To a large extent, this large-scale construction project also led to the recovery of the post-war economy.

In order to reduce bureaucracy and reduce corruption, Zhao Pu implemented bidding, made the whole process transparent, reduced black-box operations, and distributed these huge and complex constructions to ten businessmen. After apportionment, the efficiency of these businessmen was unprecedentedly high, and the Ministry of Industry originally planned to spend at least two million yuan in at least a year; But in fact, it only cost 800,000 yuan, and the time was only half a year.

Finally ready to move in!

After staying in Yangzhou for half a year, Zhao Pu left Yangzhou again and set off towards Hangzhou. (To be continued......)