In this case, of course, Ma Shouxin could not agree to Wu Shigong immediately, and he was not the one who could call the shots of the Ma family, so he could only vaguely perfunctory a few words about Wu Shigong, and then diverted the topic.

After a few more pleasantries, Ma Shouxin took his leave. Wu Shigong didn't know how much his words had an impact on Ma Shouxin. He only felt that he was now a union of military attachés, civil officials, diplomats, and businessmen. Even this kind of investment promotion, I will work hard a few times when I have the opportunity. If you continue like this, you will really become a workaholic!

It wasn't until Tao Xin came back happily that Wu Shigong left the city. Seeing that Tao Xin had been wearing a flowery face, Wu Shigong couldn't help but feel angry again in his chest: "Xiao Xinzi, how much silver did you use to buy a gift this time?" ”

"Seventy-three taels, I bought a pair of pendants, bracelets ......"

"Stop, stop!" Wu Shigong immediately stopped Tao Xin from reporting the account, and his heart became even more angry, "It's quite good to spend money on big money?" It's been so many years, but I haven't seen you buy any decent gifts for my master! Hum! Anyway, you are spending your own money, and I didn't promise to marry Xiaojie to you. ”

"How's that going to work!" Tao Xin immediately blurted out, "My mother said that she had prepared all the dowries." ”

"Stinky boy!" Wu Shigong's face could no longer hold back. He smiled and raised his horsewhip to make a gesture to hit Tao Xin. And Tao Xin also knew that he had said the wrong thing, so he pulled the horse's head with a smile and avoided it, causing a burst of laughter from the surrounding guards.

Seeing that Wu Shigong was no longer angry, Tao Xin returned to Wu Shigong's side, and said with a flattering smile: "Master, the twenty taels of silver will be returned to you first!" ”

"Don't worry! Let's put it here for you! Wu Shigong said with a smile, "Let's return it together after returning to Runing." Anyway, it's not interest-free, borrow one hundred taels and repay two hundred taels! ”

"Master, you're too ruthless!" Tao Xin first exaggeratedly shouted. Then he smiled and said, "Can you use the food stamps around you to discount it first?" ”

"Forget it! Never mind! Wu Shigong had no choice about Tao Xin's scoundrel, and said angrily: "You don't know who you learned this from." But you stinky boy has to learn to live too! Hide the food stamps well, and it is better to save them in the bank, that is, it is safe and you can eat some interest. ”

"Can the money bank store food stamps? Can you still eat interest? Master, why don't I know? Tao Xin scratched the back of his head with his hand, looking confused.

"Why not?" Wu Shigong couldn't be sure of it all of a sudden.

At that time, when Sihai Qian Zhuang was established, Wu Shigong regarded Qian Zhuang as a modern bank, so he thought that it was a matter of course for Qian Zhuang to attract retail depositors and give interest on deposits.

However, because the current Wu Shigong is only grasping the sum and formulating the general direction, the specific affairs of the Sihai Qianzhuang at that time were also carried out by Yuan Xingshan, a senior official of the Runing Army. And Wu Shigong, the property management of the inner house, completely delegated his power, so he didn't know that the money bank in the Ming Dynasty did not accept retail savings, and the savings had no interest and even had to pay the silver storage fee.

Of course, this is also related to the social situation of the Ming Dynasty at that time. The polarization between the rich and the poor in the Ming Dynasty was quite severe. Poor families have little money to spare. And those who have money and power, they are willing to put money with high interest rates; And those who have money and no power, they are willing to melt the silver into big silver ingots and bury big silver balls in their homes. Because the money houses in the Ming Dynasty were also opened by people with backgrounds. Credibility is what it is, as long as there is a chance. They may swallow all the money that has money and no power.

Therefore, the money bank of the Ming Dynasty did not have a market for absorbing savings at all. Only those merchants who moved around had to carry out some silver ticket issuing operations for the sake of carrying. Of course, there is also a different market for the silver ticket business, and it is much easier to bribe officials, and a few silver tickets are much more convenient than a few boxes of silver.

But there is something different on the side of the Runing Army. At least in the area controlled by the Runing Army, because of Wu Shigong's long-term trustworthiness. Therefore, the credibility of Sihai Commercial Bank and Sihai Qianzhuang is quite high, and the long-term high military salary and salary of the Runing Army have also caused a considerable number of military families and artisan families in the Runing Army to become the middle class, and they also have surplus money in their hands. Therefore, the current Sihai Money Bank has the conditions to carry out savings business.

So Wu Shigong learned more about the guards around him, and when he knew that Sihai Qianzhuang did not carry out a savings business, he thought about it.

Will his own Runing Army be paid through the Four Seas Money Village in the future? When those soldiers and craftsmen receive their salaries, let the men of the Four Seas Money Village mobilize those soldiers and craftsmen to deposit the surplus money that they cannot use for the time being into the Four Seas Money Village, and the Four Seas Money Village also gives them a certain amount of interest on their savings? Is this possible to cultivate a mature new market for savings and loans?

Wu Shigong's knowledge of the modern financial industry is not completely understood, but he knows that the methods used in the modern financial industry must be a good method that has been practiced for a long time. Then let's try it out when we go back. As for the formulation of specific regulations, let Yuan Xingshan and them worry about it.

Wu Shigong estimated that if his Sihai Commercial Bank could absorb more than 3,000 taels of silver every month, and his Ru Ningjun would save some more and squeeze out some silver, then he would not need to borrow money outside, as long as he paid the interest on the loan to Sihai Qianzhuang and persisted for more than half a year, he would be able to solve this financial crisis by himself.

Of course, there is also the problem of the fixed exchange of food stamps and silver. At present, the grain stamps of the Runing Army can be said to be the grain standard, which follows the price of grain, and the exchange of grain stamps and silver fluctuates greatly. If the savings business is to be carried out, then the food stamps must also be on the silver standard. Otherwise, it is easy for businessmen to take advantage of the loopholes.

However, there are still two problems with the function of food stamps: the supply of food quotas in the areas controlled by the Runing Army and the issue of subsidies for members of the Runing Army. But that's all a problem with jishu. Compared with the resolution of the financial crisis, it is a small problem.

However, as soon as this fixed thinking was broken, Wu Shigong had a feeling of sudden enlightenment. A broad avenue suddenly appeared in front of his eyes.

Is it possible to set up a stock exchange? Do you control the free flow of stocks in the industries in your zone? What about adding a new source of stock transaction tax for his own Runing Army?

Is it to prevent the financial turmoil of the Runing Army caused by the robbery of the Sihai Commercial Bank and the Sihai Money Bank, and to introduce the insurance industry?

In order to prevent the impact of the disaster on farmers, is it necessary to introduce agricultural futures trading?

Even in order to open up new territory and reduce the pressure of raising their own army, they imitated the model of the East India Company of the West and established a joint-stock armed army-commercial integrated group for land reclamation?

Of course, in order to cultivate these new industries, Runingjun may not have much income at first, and even need to pay some cultivation costs. The Runing Army could not let speculation become too much to prevent an economic crisis from suddenly crushing these infant industries.

But as long as you persevere, those are the cows that can lay golden calves! As for the specific implementation issues, let Yuan Xingshan and them consider it. As for what surprises can arise during implementation? At most, it will be a reversal, and it will not be worse than the situation that Ru Ningjun almost went bankrupt this time.

Wu Shigong didn't know that his current whimsical ideas made Runing a famous financial capital on Shijie in the future. It was not until more than 80 years later that it was gradually caught up by another financial capital, Songjiang Prefecture.

In the process of implementation, it also caused a group of local people in Runing to become rich. Among them, one of the first people to eat crabs was Wu Shigong's old acquaintance, the old bustard Li's mother. Her Qinglou chain was one of the first to be listed on the stock exchange, and later developed into a well-known entertainment giant in the Far East.

However, when Li's mother asked Wu Shigong, one of the shareholders, to give her name to her entertainment listed company, Wu Shigong's bad taste rose again. He had a very foreign, but at that time no one could understand the name - Hollywood. (To be continued......)