Add Bookmark | Recommend this book | Back to the book page | My bookshelf | Mobile Reading

Free Web Novel,Novel online - All in hlnovel.com -> Historic -> The world is well and healthy

Chapter 638 Minsheng Bank (Part 2)

Previous page        Return to Catalog        Next page

    You can search "ÌìÏ°²¿µ" on Baidu to find the latest chapters!

    Huang Mingyuan stopped talking to Xia Anxun and said, "Wenjia should also know that Fengzhou has recently implemented a new system, in which the government rents rations, grain seeds, and agricultural tools to the people at a low price."

    Xia Anxun nodded. When this policy first appeared, he admired it.  The government's parity has locked up the space for loan sharks to operate. Many ordinary people who can't make ends meet do not have to sell their sons and daughters, so you have done a good thing that benefits the country and the people.

    Huang Mingyuan continued: "However, during the implementation process, I discovered some hidden dangers. For the sake of their own political achievements, officials can easily turn voluntary behavior into mandatory behavior, hurting others and themselves. In order to make this policy work better in the future,  I am going to establish an independent institution in Fengzhou to carry out this matter, and I will name it a bank. Li Lushi recommended you to me to do this, what do you think?"

    Xia Anxun did not expect that Huang Mingyuan would arrange for him to do something he had never done before, so he hesitated.

    "Your Majesty, I'm afraid this bank has never been built since ancient times."

    "When Min Cao was in the Han Dynasty, he was not called Min Cao."

    It¡¯s just a name. Xia Anxun doesn¡¯t worry about it, but he still hesitates.

    Huang Mingyuan immediately saw Xia Anxun's hesitation and asked, "Is there anything wrong with Wen Jia?"

    Xia Anxun then asked: "Do you want to set up an agency just to manage leasing affairs, or do you want this agency to play other roles?"

    Huang Mingyuan became very satisfied at this time. Xia Anxun got to the point of the problem in one sentence. How could he just set up an agency to manage leasing after spending so much time on it?

    "Wen Jia asked a good question. Of course, this institution is not just for managing leasing matters. Generally speaking, it is an institution used to control money. These are some plans and measures I wrote about bank construction. These are some of the plans and measures Li Lu wrote about bank construction.  You can take back some of the proposed provisions and study them carefully."

    With that said, he handed some papers to Xia Anxun.

    When Xia Anxun saw Huang Mingyuan's attitude, it seemed that he had to leave the matter to him.

    "Wenjia, in the future this bank will have at least four functions. One is deposits and loans. From now on, all soldiers and officials in Fengzhou will have their salaries and wages distributed through the bank; the people's leases and loans will also go through the bank."

    Xia Anxun was stunned and blurted out: "Even salaries and wages go through the bank?"

    "Yes, the government distributes it to everyone's bank account, and individuals can use their accounts to receive and remit money. This fundamentally eliminates the possibility of withholding payment."

    Xia Anxun immediately said: "But there are too many loopholes in this. What if someone uses someone else's account to collect money?"

    Huang Mingyuan said playfully: "Then it depends on your bank's system."

    Xia Anxun didn't ask again. If Huang Mingyuan solved all the problems, anyone could take over the bank.

    "The second function is to mint coins."

    Xia Anxun was even more shocked. According to the law, it is illegal to mint coins privately.

    Seeing Xia Anxun's astonishment, Huang Mingyuan said: "What you want to mint is not copper coins, but silver coins. I won't hide it from you, Fengzhou is preparing to exploit the silver mines west of Helan Mountain on a large scale."

    For gold and silver, the government generally has no requirements. Many families privately cast gold and silver with the family mark, which is similar to the medals of later generations.  Large-scale official minting of gold and silver had to wait until a large amount of silver coins from Latin America poured into China in the late Ming Dynasty.

    ¡°The third function is to adjust prices. In addition to food, salt, iron, livestock and other materials are included in this scope.¡±

    Xia Anxun was even more confused when he heard this, and said hurriedly: "But the bank does not deal with these things, and it is impossible to control the prices of these materials."

    "That's your bank's business."

    Adjusting prices is too important for Huang Mingyuan. Fengzhou must become a stable economy, and prices must be controllable. Huang Mingyuan does not want anyone to come to Fengzhou to shear sheep.

    ¡°The fourth function is to develop the pawn industry and transportation industry.¡±

    This seemingly huge matter is actually the best to complete. With the help of the Sihai Business Group, whether it is pawn or transportation, the business can be smoothly launched.

    After Xia Anxun heard this, his heart kept shaking, and it took him a while to calm down.  Huang Shijun is indeed a talented person. If Huang Mingyuan's vision is followed, what kind of behemoth this bank will be.  If compared according to the imperial departments, it would be a collection of relevant powers of Taifu Temple, Ministry of Civil Affairs, Sinong Temple, Shaofu Supervisor, Ministry of Industry and other departments.

    Of course, it is difficult to realize these functions. Huang Mingyuan is in charge of killing and not burying, and has set the basic rules.The specific content of the policy needs to be filled in by Xia Anxun himself.

    Xia Anxun calmed down, thought for a while, and asked: "Your Majesty, the construction of this bank may require a lot of manpower and material resources in the early stage. I wonder whether you want this bank to become a government institution or a business group with government support.  "

    Government-run or private?  Huang Mingyuan was stunned. He really hadn't thought about this problem.

    ??Is a bank considered a government agency or an enterprise?  If it is the central bank, it must be a government agency, but can other banks that carry out commercial activities be considered a government agency?  At best, they are just an enterprise fully controlled by the state. In addition to fulfilling the responsibilities entrusted to them by the state, their essence is to make profits.

    Huang Mingyuan suddenly thought that he had neglected to calculate his relationship with the bank.

    If this bank is a government agency, then it will really become a behemoth that can control the economy of Fengzhou according to its own ideas. Then if one day he leaves, who should this bank listen to?  He is not like the army, which has the ability to make independent choices. Banks are dead, and how to govern depends entirely on the policies of those in power.

    Will there be any latecomers who can use this behemoth to expel Huang Mingyuan¡¯s power, or will the banking system be destroyed by politics after he leaves?

    Huang Mingyuan immediately figured it out.  At least now, it is not time to nationalize banks.

    Huang Mingyuan immediately said: "It is not an official organization, it is a business group funded by me personally. It has a cooperative relationship with the Fengzhou government. As for Wenjia, I will represent you as a military official for the Shanyang County government, with full authority  Take charge of this.¡±

    In this way, Xia Anxun will have Fengzhou officials become Huang Mingyuan's retainers.

    "No!"

    But Xia Anxun didn¡¯t refuse, and he actually couldn¡¯t refuse.

    "An Xun will fulfill his mission and build this bank well."

    Seeing Xia Anxun's attitude, Huang Mingyuan was very satisfied. A capable economic talent was no worse than a good general. Huang Mingyuan had no shortage of good generals, but he lacked people like Xia Anxun.

    After sending Xia Anxun away, Huang Mingyuan said to Li Zixiao: "Although I don't trust the people I employ, I don't use the people I suspect, but this bank is the biggest experiment I have done so far. Once it starts operating, it will be the most important economic driver in the Fengzhou area.  There must be no mistakes. Although Xia Anxun is capable, he may not be so thorough in his work. Xuanzhen also needs to keep an eye on the bank to make sure there are no mistakes."

    "No!"

    Huang Mingyuan himself is not an expert in the economic industry. This bank experiment is like a baby born with his own blood, so he must not be careful.  (Remember the website address: www.hlnovel.com
Didn't finish reading? Add this book to your favoritesI'm a member and bookmarked this chapterCopy the address of this book and recommend it to your friends for pointsChapter error? Click here to report