In some narrow rooms, Zhang Hao stretched his waist fiercely, read the plan in his hand, and made sure that there was no problem, so he took the plan and walked towards the main hall of the City Lord's Mansion.

This small office book is a room vacated by the City Lord's Mansion. For the time being, the city lord's mansion of Ninghe County has become a temporary companion capital.

In the blink of an eye, it has been three days, and the situation has basically stabilized.

After the previous big explosion, it was not only a matter of 1780,000 casualties, but also a serious impact on morale. In addition, the country of Jinyang is still playing a puppet circus and preparing to consolidate the occupied area, but for a while, it is unable to continue to send troops.

And Liu Xinyu also seized the time to rectify and strive to implement new national politics as soon as possible in this time of war.

However, in the past three days, there have been too many things in the uproar. For example, whether the country of Qixia is considered a dead country, such as Liu Xinyu's killing of his brother and seizing power, etc., has been spread all over.

In particular, many of the original families and nobles of the country of Qixia not only threw themselves into the country of Jinyang, but most of them turned against each other to show their 'sincerity'.

In many cases, the mutiners are more ruthless towards their former comrades-in-arms – they need to prove their sincerity and loyalty.

Therefore, these nobles and families have used their influence to spread rumors. For a while, the speech on the land of the land of Qixia was chaotic.

Those who surrender early, no, they surrender early, and laugh at those who 'surrender' late. Moreover, when the country of Jinyang is dealing with it, there is indeed a gap between the two sides.

There are a lot of rumors that the country of Qixia has returned to the hands of the second prince Liu Hong, don't resist anymore, it's useless. It is also said that the country of Qixia is destroyed, and the country of Jinyang is indestructible.

There are even some people who said that Liu Dingshan escaped with serious injuries, and that Liu Xinyu said all kinds of slanderous and unbearable words.

There is also an edict issued by the new emperor Liu Hong, ordering all localities to hurry up and express their positions.

But no one knew that in this process, Liu Xinyu and Zhang Hao, through the tentacles of the industrial and commercial class, as well as the intelligence power of Yeyuelou, and the intelligence system of the country of Qixia itself, had already made detailed considerations of the personnel in various places.

In the past few days, the performance of various families has been recorded on Liu Xinyu's table.

Zhang Hao came to the hall with the plan, and Liu Xinyu was discussing some details with everyone. Seeing Zhang Hao coming, Liu Xinyu immediately sent a soft smile: "I haven't seen you show up for three days, is the plan ready?"

"How can it be, I just made a framework, and the details need to be discussed by His Highness and everyone. ”

Liu Xinyu smiled even more happily: "Okay, you can talk about it, let's discuss it together." ”

Zhang Hao took out the plan and put it in front of Liu Xinyu, and he explained it endlessly. In order to develop industry and commerce, it is necessary to "open up". In the past, the situation of self-cherishing of the broom should be avoided as much as possible.

Of course, if you want others to take it out willingly, you have to compensate for it. Therefore, patent law is imperative. The proposal of the patent has long been implemented within the Xuantie Guild, the Refining Guild, and even the Ocean Group. Therefore, Zhang Hao also gave a lot of detailed suggestions.

Then there are laws, taxes, transportation, currency, and so on.

Finally, there are relevant support policies. Now under the control of the country of Qixia, there is still half of Anling County, a complete Ninghe County, Nanyang County, and Xingchang County. Although there are no particularly large families in these places, there are still many small and medium-sized families and sects.

For these families, of course, they can't be beaten to death with a stick, and Zhang Hao proposed a 'support plan'. The Xuantie Guild, the Refining Guild, or the Dayang Group will provide certain technical support and guidance, coupled with the encouragement of the state, to transform these family sects into industrial and commercial classes as soon as possible.

In fact, many families and sects have their own technology, and most of them have more or less business experience - otherwise what the family eats. With a little guidance from the state, these families can be transformed into the industrial and commercial class.

There are also a large number of small and medium-sized commercial banks in the private sector, most of which do not have their own core technologies, so the state should give them certain support and encourage them to develop technology and be self-reliant.

Of all the plans, the hardest one is probably the currency.

The rest of the discussion went well, but when it came to the monetary issue, there was a disagreement. To be precise, everyone does not agree with the monetary system proposed by Zhang Hao.

The traditional spirit stone standard currency system has been used in the cultivation world for tens of thousands of years—to be exact, it has been using spirit stone currency since the beginning of recorded history.

Perhaps in Zhang Hao's view, there are many disadvantages of using spirit stone currency. But over the years, society has also been constantly improving itself. The Lingshi currency system has been deeply rooted in the hearts of the people. The power of habit, it's really powerful.

Now, if the Lingshi monetary system is suddenly overturned and the banknote system is introduced, I am afraid that it will be difficult to gain market recognition.

Liu Xinyu pondered the language for a while before slowly saying, "Zhang Hao, I think...... You've got a good plan, but you're taking too big a step. The Lingshi monetary system may have the problems you mentioned, but for the time being, the time is not ripe to issue banknotes.

I think we should think of a compromise solution. ”

Zhang Hao immediately said: "I really have a compromised plan here, but there may be some problems. ”

"Tell me about it. ”

"Your Highness has not forgotten the Industrial and Commercial Administration Department we established when the loan was issued earlier. ”

"Of course!" Liu Xinyu smiled, "I only decided to disband three days ago. ”

"I want to buy it, to be exact, on behalf of the Ocean Group. ”

Liu Xinyu frowned: "Now that the Industry and Commerce Administration has nothing left, and it has been revoked, what can you buy?"

"No, Your Highness, the Department of Industry and Commerce still has some value. For example, the bonds that have been issued and have been issued with five million high-grade spirit stones. ”

Liu Xinyu's eyes flashed a little fine, "The reason why this king disbanded the Industrial and Commercial Administration is because of these bonds (I'm ready to repay the debt)." What, you have an idea?"

Zhang Hao shook his head slightly: "Your Highness, the most important thing in industry and commerce is reputation! Therefore, these five million war bonds cannot be broken." Even those families who have taken refuge in the country of Jinyang, the bonds in their hands cannot be ignored, and we must fulfill our promises. ”

Liu Xinyu suddenly became angry: "They have all betrayed, betrayed! Why should they repay their debts!"

For a period of time, Liu Xinyu was completely disappointed in these families, so Liu Xinyu didn't want to repay the debts of these families.

Zhang Hao bared his teeth a little, this Liu Xinyu finally showed a feminine and emotional side. Zhang Hao slowly explained: "Your Highness, business development, reputation first. We must make others believe and believe in us, and then we can be recognized by everyone. Then our business can really develop.

If our business wants to grow, we must not only take care of the domestic market, but also think abroad.

The biggest difference between the industrial and commercial class and the aristocratic class in the past is that the aristocratic class is closed, while the industrial and commercial class is open and circulating. ”

Liu Xinyu blinked, she obviously didn't understand, and Zhang Hao's introduction was also very general. But it doesn't matter, the queen probably figured out the situation, "Because some bonds have not been sold, the Industry and Commerce Administration now owes 4.5 million high-grade spirit stones per month." You buy it - what can you do?"

"With the strength of the Ocean Group, I am ready to try to implement a monetary system of banknotes. And now the Department of Industry and Commerce has enough influence. ”

"No matter how big the influence is, it can't be worth 4.5 million bonds, right?"

Zhang Hao stretched out a finger: "I am going to buy the price of the Industrial and Commercial Administration, it is a spirit stone." ”

"A piece...... You're kidding!"

Zhang Hao smiled: "Plus the part of the bond value that His Highness is not ready to repay." ”

"What do you mean?" Liu Xinyu frowned slightly.

"We split the $4.5 million bond into two parts. Part of it is owned by those families who have already taken refuge in the country of Jinyang, and this part of it is not prepared to be repaid. We call this 'A'. The rest is called 'B'.

The part of A will be repaid by Dayang Group. This part is also counted as the bid of the Ocean Group to purchase the Industrial and Commercial Administration.

The remaining part B will continue to be repaid by the state. ”

Liu Xinyu looked at Zhang Hao's eyes, and asked slowly, a little oppressively: "The price of Part A bonds is more than 800,000 high-grade spirit stones. Are you sure you want to do this? What are the benefits of the Ocean Group?

Don't tell me to support the country for free.

Now that I have started to get in touch with the industrial and commercial class, I also understand the truth that 'no profit can not be early'!"

Zhang Hao still smiled very calmly: "Your Highness Mingjian." I am going to change the Department of Commerce and Industry into a bank-like existence. Of course, there's a lot of risk, and I'm not sure if it will work. But if it succeeds, it could change the world.

It's just that there is only a vague idea now, and it is not too clear how to do it.

Therefore, I would like to apply to His Highness that the Administration of Industry and Commerce will be tax-free and permanent in the future. Even if it becomes a money-like existence in the future. ”

Liu Xinyu thought for a while and asked solemnly: "If it really develops into a money bank, the state must collect taxes!"

"That's right, my idea is similar to that of a money bank. But it's a non-profit organization. Of course, there may be a slight interest in the operation of the institution itself. But it's not the kind of profit that money banks have. This profit will be very low, very low.

I want a relatively liberal monetary management body, whose greatest role is not to make profits, but to promote the development of the country, industry and commerce.

In the future, it will provide loans, support the national war, support the development of the group, support the research of the magic weapon formation, and so on. The interest rate will be as low as possible, or even unprofitable.

It will never be like the current money bank, charging more than three points of profit!"

Liu Xinyu looked at Zhang Hao, and the two looked at each other for a long time before Liu Xinyu finally nodded slowly: "I believe in you, but I believe it temporarily." I can give you a promise that if you do what you say, then the state will never collect taxes in the future. But if you can't...... Don't blame me for being ruthless!"

"Understood. ”

The monetary system was not adopted from the meeting, but it fell into the hands of Zhang Hao.

When he returned to his office, Zhang Hao smiled, but not proudly, but confidently. Zhang Hao is ready to build a bank, but Zhang Hao is not ready to build a bank with huge profits.

The role of banks is not to make money, but to balance the industrial and commercial system, promote the development of industry and commerce, and provide loans and promote the progress of enterprises in need of development and important scientific research that is in urgent need of funds. Instead of going to the harvest.

On the other hand, the development of the world's banking industry is based on the harvesting of real industry and commerce. Banks manipulate the life and death of enterprises by manipulating loans, and finally use loans to harvest enterprises. So the banks are fattened, but the real industry is so full of mourning that the country is weakened.

And Zhang Hao is not ready to follow the old path, Zhang Hao wants to establish a real and pure bank, a bank that controls wealth and is not enslaved by it.

Another point is that because this world has always used spirit stones, in a sense, spirit stones are a constant value currency. Therefore, the world's currency must also adopt the concept of constant value currency for the time being.

Zhang Hao thought about it for many months, and finally found an entry point, an entry point for the establishment of the World Bank, the Department of Industry and Commerce.

And the reason why Zhang Hao had to do this and was ordered to dissolve by Liu Xinyu was not the office, but the 'name' of the Industrial and Commercial Administration. This 'name' is not a name, but an influence, a name, and represents a 'right direction'.

Zhang Hao will use the process of repayment of the bonds of the Industrial and Commercial Administration to fire the first shot of the banking business.

Almost unconsciously, Zhang Hao took out a 'card' from the storage ring. This card is the size of a bank card, and in the center is a formation similar to a gossip map.

This is the 'base of the Vientiane Infinite Array', the main body of which is made of fine steel, and is one millimeter thick, 80 millimeters long, and 50 millimeters wide, which is close to the golden ratio.

Obviously, such a 'card' cannot be regarded as a banknote in the strict sense, but it is limited to the rules of the cultivation world, so it can only be flexibly adapted.

At the moment, such a card is worth 100 spirit stones.

Under the auspices of Zhang Hao, the Zhang family has mastered the relatively mature method of making mixed essence gold.

In fact, after the new research of Huang Mingshan and others, Zhang Hao was pleasantly surprised to find that the most needed for mixed element fine gold is dark iron, red copper, and a little lead, zinc, tin, etc. as a blending solvent. And the demand for Adamantite and Mithril is pitiful, and one percent of the addition is enough. More like a catalyst.

After the improvement of the Zhang family, the effect of mixed essence gold is better; as long as the proportion of copper is properly blended, and a little polish of pure gold, the finished mixed element essence gold is pure, and it is almost easy to mix with pure gold.

Zhang Hao felt that this kind of mixed essence was a peculiar compound, a compound built on the level of aura and neutrons, rather than a compound of electrons and protons. But how exactly it needs to be studied in depth. Now that the periodic table is gone, Zhou Xueyao has just understood the concepts of elemental matter and atoms.

Gently playing with this card, the smile on Zhang Hao's face grew:

Industry, commerce, and money are all there, will the future be far away?

(The second update, a 4,000-word chapter, asking for votes.) ）