"The Ministry of Internal Affairs has set up a royal bank, and there is a signboard of the heavenly family, so I am not afraid that no one will come to deposit money and borrow," Hu Xueyan said with a smile, "Only by circulating the silver can the silver produce silver in a continuous stream." Pen "Fun" Pavilion www.biquge.info"

"In addition, according to each line, such as railways or ships or merchants, separate types of banks can be set up, and these banks may wish to invite more private capital to invest in the shares, so that the private silver dollars and silver can be collected and concentrated to the country, and the people will be shareholders and have dividends, which is another income." ”

Hu Xueyan is really a genius among business geniuses, the Empress Dowager Cixi can't help but applaud Hu Xueyan in her heart, when she went south to Shanghai and visited Fukang Qianzhuang on the Bund, she inadvertently talked about how some of China's biggest state-owned banks developed in later generations, and this Hu Xueyan listened to it, and after several discussions, he actually came up with such a shocking plan, Zhang Zhiwan was already shouting in his heart, "Compete with the people, compete with the people!" But this plan, the establishment of state-owned banks and the supervision of private ticket numbers, is one of the most effective ways to ensure financial security and maintain stable economic development.

Why is it impossible for Chinese banks, whether state-owned or private, to fail? It is because of China's strict banking management system, and different degrees of equity participation, to ensure the stability of the banking industry, so that occasionally banks fall into crisis, the state can also use executive orders, let the rest of the banks to bear the risk together, to avoid the collapse of the loss of the people, so in China, like Lehman Brothers Bank collapse of the explosive event, is never possible, of course, administrative management is easy to make the banking industry rigid and corrupt This is unavoidable, but in this era, Definitely a sign of extreme progress.

Countries have entered the era of imperialism one after another, this is what Marx and his old man said, from the traditional commercial capitalism to the transformation of imperial capitalism, which shows that monopoly capital occupies the dominance of the state, and the country's policies and diplomatic means or war or peace are directly or indirectly controlled by the imperial capitalist countries, "Xueyan is right," the Empress Dowager Cixi nodded, "The big guys are all central ministers, what to say directly, now the first court is short of silver, But there is a lot of silver in the people, the bank is set up, the big guy's idle silver is collected, cheated out, lent out, take out the silver, let's spend it again, this is the ability to use every penny of silver to the greatest advantage, the court than before, there is one more bond, this bond is far from enough, but also need to concentrate the big guy's silver, in the future, many errands can not be directly allocated by the court, no matter how rich the court is, it is impossible to do all the money, "I want the government to pay for the construction." , This is an impossible task, Empress Dowager Cixi used to be too young, too simple, I don't know the truth of this, or I know the truth of this, but the private ticket number does not have so much silver to lend, and second, it is impossible to pay for the planning and investment of the country's major policies, so Hu Xueyan's proposal to set up a state-owned bank is at the right time, and it is in the heart of Empress Dowager Cixi.

She has never believed in "to God what is God, and to Caesar what is Caesar", she has always pursued the doctrine of big countries and big governments, and she will not engage in any set of national retreat and democratic advancement, and there is no way to private ownership of the means of production in this era, but she is very satisfied and happy to see what she can do.

Some scholars believe that the chaos in the late Qing Dynasty and the early Republic of China was because the entire country and social management were very standardized, orderly and strict a few years ago, and at the beginning of the Republic of China, the majesty of the government was swept away, but the feudal state controlled the whole society and the country before, and now the emerging government, then it lost its ability to control, so it will be so messy.

"Your business, I'll talk about it later, I'm going to ask", as Hu Xueyan expected, the Queen Mother was very interested in this unified ticket number, "How to solve the big ticket number and small ticket number here?" Are they all owned by the imperial court? ”

"The Empress Dowager, our state-owned bank is built, and the small ticket number cannot be retained," Hu Xueyan said, "The heroes compete for hegemony, originally they couldn't keep the little people, the small ticket number either withdraws, or they have to keep warm in a group, if they can participate in the shares, it is naturally the industry of the imperial court, don't worry, if they don't want to participate in the shares, naturally there must be a way to regulate them, first, they are not allowed to be called banks, and the bank can only be renamed if the ticket number of the Daqing Bank audits the rules, in addition to the deposit capital of the site, The most important thing is that in accordance with the holy will of the Empress Dowager, Wechen has set up a deposit reserve system, that is, a certain amount of the deposit amount is drawn and handed over to the Daqing Bank, and this deposit reserve is used as a ticket number for the savings business, etc., to prevent excessive loans, in case of a run and unpredictable risks. Hu Xueyan came up with a method that others may be ignorant, but Yan Jingming is very clear that with this deposit reserve, no one can lend out all the loans, and it will inevitably be occupied by the Daqing Bank, which is to prevent risks, but also to monitor and control the bank.

"Any bill number should be like this, this deposit reserve is paid in silver dollars or silver ingots, so that the cash here in the bank can be more abundant, to prevent the people from running on it. In addition, the minister is scheduled to be within three years, all the ticket numbers must be audited, without the approval of the Daqing Bank, the ticket numbers and money banks approved by the household department are all listed as illegal, and the next new ones must be reviewed, not who wants to do it themselves. ”

"If the imperial court participates in the shares, all the new coins will be used to participate in the shares," Hu Xueyan continued, "Take Fukang Qianzhuang as an example, as long as the imperial court is a shareholder, all the semicolons of the cash do not need to be used, as long as the Daqing Bank sends the new currency, all the semicolons here, then you can smoothly issue new coins, other places dare not say, Jiangsu, Zhejiang and Shanghai, the ministers dare to pack tickets, with the name of the imperial court, no one dares to make trouble." He also knew very well that only under the protection of the imperial court would no one dare to make trouble.

"Have you figured it out?" The Queen Mother asked, "Fukang Qianzhuang is a golden mountain, so it is a joint venture with the imperial court?" ”

"Naturally, I thought it through." (To be continued.) )