Government District, Prime Minister's Office.

Putting down the report in his hand, Xiao Feng raised his head, looked at Yang Chenglong in front of him, and asked, "Open a money bank?"

"This, in fact, was proposed by Han Kun. After all, there is no money in the treasury, and if you want to repair the steel plant, you have to find another way. Yang Chenglong felt a little nervous, for fear that Xiao Feng would not agree.

"That's just as well. ”

Xiao Feng nodded, and said thoughtfully: "It's just about this bank, what do you think?" Don't forget, if this money bank is established, it will involve a lot of money, if something goes wrong, it will be bad." ”

Yang Chenglong was a little flustered, and hurriedly said, "If you say this, I'm not ready yet." It had only been less than a day since Ba Liming had accepted this matter, and he really didn't have enough time to prepare accordingly, but when he thought about what was going on, he still defended: "But you have also seen it, my lord, those workers are starting to leave, if you don't get it done as soon as possible, I'm afraid it will be too late." ”

"Of course I know. ”

Xiao Feng's eyes were sharp, as if he wanted to dig out Yang Chenglong's innermost thoughts, and he also said unceremoniously: "But the matter of this money bank also needs to be supervised accordingly, isn't it? Otherwise, if someone is like that Wang Quanbin, and takes all the funds in the money bank, what should happen when the time comes? These things need to be prepared, understand?"

"I know that. ”

Although Yang Chenglong was a little reluctant in his heart, he had to accept it, who didn't know that his lord had a tough style and never allowed others to put his beak.

"Regarding the issue of the bank's funds, I will ask the Zhou Department to send someone to supervise this matter. Do you know?" Xiao Feng commanded, but after his eyes were removed, he remembered something and asked, "By the way, what do you plan to call the name of this money bank?"

"This, the subordinates haven't thought about it yet. ”

Yang Chenglong looked slightly stunned and felt a little embarrassed, about Qianzhuang is only a preliminary idea, there is no specific structure, how can we talk about the name?

Xiao Feng finally laughed at this time and said, "Since you don't have one, then let me give you a name." It's better to call it an industrial and commercial bank. After all, this money bank is to solve industrial problems, and it is natural to call it an industrial and commercial bank. ”

"Then according to what the lord said. Although Yang Chenglong felt weird, he had no choice but to accept it.

There is no way, who let the woman in front of him be his lord.

After receiving the order, Yang Chenglong immediately left the place, preparing to prepare for the corresponding matters.

Xiao Feng felt a little relaxed, squinted his eyes slightly, and called Wang Ke, who was waiting outside, in: "You go and call Zhou, I have something to tell him." ”

"I see. ”

Wang Ke replied, and immediately came to the Ministry of Finance and called that week.

Zhou Chu was puzzled, although he was busy in his hands, but after he put down his work and rushed here, he immediately changed his doubts to Xiao Feng: "Lord, I don't know why you came to me here?"

"Everywhere. ”

Xiao Feng sighed, his eyes were a little worried, and he didn't rush to allocate manpower, but asked directly: "How much time can the money in the treasury last?"

"Lord Qi. If there are no problems during this time, it should be able to last until July next year. Although Zhou was puzzled, he immediately said the specific data.

Xiao Feng's brows furrowed slightly, and he asked, "Next July, shouldn't it be October next year?"

After decades of accumulation, the treasury is not very full, but it is not as stretched as usual enough to support the government until the next year's tax payment. In order to prevent a fiscal deficit like the Song Dynasty, Xiao Feng can be said to be cautious, for fear that one accidentally will cause trouble and destroy everything he has built.

"This, mainly due to the impact of Chang'an Iron and Steel Plant, has led to the endangerment of many businesses, so the tax revenue in this quarter has also dropped by more than three percent compared with usual. Zhou shook his head helplessly.

For example, Dong Qing's bearing factory completely relied on the acquisition of Chang'an Iron and Steel Plant, and the steam engines, locomotives, steel rails, etc., which were also an important source to ensure the construction of the railway.

If something goes wrong at the Chang'an Iron and Steel Plant, it will not only affect the workers in the factory.

"It seems that this money bank matter is imperative?"

Xiao Feng thought in his heart, and the suggestion made by Yang Chenglong appeared in his mind, and he continued to ask, "Isn't there a way to maintain the original appearance?"

The railroad connecting all the state capitals, plus the roads connecting the county town with the state capital, and the Huaxia Army restructuring plan, all of which require a lot of money, and if there is a trend of declining fiscal revenue at this time, it will be a disaster, and it is likely to lead to a complete delay in the entire plan.

"Unless taxes are raised, we will not be able to maintain the previous revenue. Zhou Chu shook his head, and when he saw Xiao Feng's face showing unwillingness, he persuaded again: "And the lord you also said that you will never raise taxes." If you start the levy rashly, not only will you ruin your reputation in the mouth of the people, but I am afraid that it will also cause those merchants to flee. They are already in a difficult situation, and if they are adding taxes, it will be no less than worse. ”

"Huh. Of course I understand what you're talking about, and of course I won't do that. ”

Xiao Feng smiled, dispelling the fear in Zhou Chu's heart.

She is not the Chongzhen Emperor, she raises taxes indiscriminately without understanding anything, like the Song Dynasty, she is simply drinking to quench her thirst, and this Xiao Feng also understands.

Xiao Feng picked up the plan on the table, and after letting Zhou take it, he also asked: "It's just that Minister Yang has come up with such a plan recently, can you help me see if it is feasible?"

"This is about opening a bank?"

After Zhou Shi took it, he only glanced at it and immediately shouted.

Xiao Feng nodded and said, "That's right. Tell me what you think about this bank?"

"Lord Qiqi, if it is anything else, it would be fine, but if it is this money bank, I am afraid that it will be difficult to operate. Zhou shook his head helplessly, and the corners of his mouth were sour.

"Oh, why is that?" Xiao Feng raised his eyebrows slightly and asked directly.

Zhou Chu said helplessly: "Lord Qi, the matter of this money bank is actually not uncommon, and there have always been people who run this business. In Chang'an, it is headed by Su Ji Qian Zhuang, Chen Ji Qian Zhuang, and Qin Ji Qian Zhuang. These three major money banks monopolized all the businesses in Chang'an. If you want to open a bank, I'm afraid it will provoke them. ”

"Oh, that's the first time I've heard that. Xiao Feng's eyebrows moved slightly, showing a little better: "Tell me, what is the origin of these three major money banks?"

"Su Ji Qianzhuang was founded by the Su family of the Chang'an clan, and Su Lan and Su Quan were born in this clan, and after so many years of operation, it can be said that they are flourishing and deep-rooted. As for that Qin Ji Qian Zhuang, it is-" Speaking of this, Zhou Shi glanced at Xiao Feng again, and his words paused slightly, as if there was something unspeakable.

Xiao Feng's eyes widened, and he scolded, "What is it?"

"If you say this, please forgive me, but my subordinates dare not say it. Zhou showed some hesitation, as if he was afraid.

Xiao Fengfeng was stunned for a moment, and shouted again: "Say!"

"Okay. ”

Zhou became nervous, he looked at Xiao Feng's face, and elaborated: "This Qin Ji Qian Zhuang was founded by Qin Mang, the son of Qin Jian and Qin Dong, and he was the first of Qin Feng who invented the train, because of his identity, he obtained a lot of wealth by building trains. And behind this Qin Ji Money Village, there is not only the Qin family, but also the support of others. Because of this, this Qin Ji Qianzhuang has the most powerful power, and ordinary people dare not provoke it at all. ”

"Others?"

Xiao Feng read a sentence, and a trace of solemnity appeared on his face.

According to what Zhou said, it is obvious that the other people are only referring to the old department, after all, Qin Jian and Qin Dong are also old qualifications, although the two of them have long been due to age, but most of the Ministry of Industry and the Ministry of Railways are their old ministries, and even Qin Bin, who is now the Ministry of Railways, is their heir.

Zhou Chu exhaled a breath of turbidity and continued: "As for the Chen Ji Qian Zhuang, there is nothing unusual, but his owner Chen Junsheng, as far as I know, is very close to Wang Xuan, the leader of the Kuomintang Party, and now he even plans to run for parliament. ”

"So that's it?"

Xiao Feng was thoughtful, but he felt smacked in his heart.

"It's just a few decades that so many communities of interest have been formed, and it seems that if you want to build a money bank, I'm afraid it will be difficult to have advantages. ”

Thinking of this, Xiao Feng was secretly annoyed, he was too immersed in war and railways before, but he neglected the construction of internal affairs, otherwise where would such a huge community of interests be formed?

"That's right. If you set up a bank, I am afraid that there will be a conflict with these three major banks, and when the time comes, I am afraid that the money of the bank will also be taken away by the three major banks. Zhou said helplessly.

If you are starting a bank, the most important thing is to have enough reserves to ensure that you can stabilize the mood of your savers.

However, with a reserve of 100,000 yuan, Zhou Chu is really not sure that he will be able to deal with the run of these three major banks, and in the face of this industrial and commercial bank that has rashly intruded into his own field, they will definitely do their best to beat it away.

Xiao Feng pondered for a moment, his gaze became stable again, and he said: "Although this is the case, you should also understand that those workers are currently in a difficult situation, if they are not given enough funds to stabilize, then even if the steel plant is restored, I am afraid it will be difficult to return to its former appearance." ”

"This, isn't the lord really planning to promote this matter?" Zhou felt nervous, just because the lord in front of him had already changed his expression, revealing a look of eagerness.

Xiao Feng replied: "Of course. ”

"But what about the affairs of the three major banks? If they learned about it, they would definitely get involved. Zhou Chu was still scared, relying on the 100,000 yuan, he couldn't fight against these three major money banks.

You must know that after decades of accumulation, the funds of these three major banks are all counted in millions.

After Xiao Feng pondered for a moment, he asked again: "If this is the case, how much can be embezzled in the treasury?"

"Treasury, lord, aren't you planning to use the treasury?" Zhou felt nervous, if it was the treasury, of course he had enough financial resources to confront Qian Zhuang, after all, the flow of tens of millions of dollars a year could not be matched by anyone.

However, this treasury was an important foundation for maintaining the stability of the dynasty, and whether it was the construction of railways, the maintenance of the army, or bureaucratic expenses, all of them had to be deducted from the treasury, so there was not much money that could be used.

Xiao Feng gritted his teeth and said, "Of course." You also know that if you follow the actions of these guys, the steel plant will be restored, but I am afraid that it will be ruined. At that time, it will affect more than Chang'an, if we don't stop this wind, it may affect the entire Guanzhong. At that time, let alone unify China, we may all fall into turmoil internally. ”

After all, the precedent of the Song Dynasty is in front of us, and if these money banks are allowed to unscrupulously oppress the people, then the customs will only repeat the mistakes of the past.

This industrial and commercial bank is the first battle she is preparing to act!

Zhou bowed his head and said, "Weichen understands." After a silent calculation in his heart, he replied: "If it is funds, it can mobilize about two million." If there are more, it will affect the operation of the entire government, and there really cannot be more. ”

"Well, I'll leave this matter to you. ”

Xiao Feng felt a little relaxed, and when he left Zhou, he said again: "By the way, what are your plans regarding the interest on that loan?"

"Interest?"

After pondering for a while, he complained: "According to the rules of the three major money banks, they are generally above three points. So I'm going to position two points. Only in this way can the bank be kept afloat. ”

"Two points? That's just too much. Xiao Feng immediately shook his head after hearing this, and replied, "If you want to lend, you must not exceed one point." You know what?"

"One point, but my lord, will this be too little?" Zhou felt a little stunned, and couldn't figure out why Xiao Feng did this.

Xiao Feng said: "Think about it, if it is two points, it will inevitably make people feel embarrassed, so that they will not be able to repay the interest." And the reason why I started ICBC was to stimulate the factory owners so that they could stabilize production, and not to plunder their wealth. You know what?"

I understand this in the following. We will certainly continue to follow this approach. ”

Thinking about it, he found that Xiao Feng still saw it clearly, but he was still quite nervous in his heart: "If it is set so low, I am afraid that it will provoke a counterattack from those money banks." I hope that when the time comes, I will be able to get through it smoothly. ”

"And as for the person who borrows, you must also be reviewed, it must be a person who has a factory in his name, and ordinary people must not be allowed to take out loans, so as not to encounter a run. Do you understand?" Xiao Feng warned again.

These funds were easily withdrawn by her, but nothing could happen to her.

After hearing this, Zhou also left this place immediately, ready to start preparing for the establishment of an industrial and commercial bank.