Chapter 302 Chapter 301 Bank

[Minor revision: There is a small mistake in the above. Sword prices are too low. Thanks for the comments. Revised to 700 high-grade spirit stones; the original offer was revised to 1000. 】

[Some people say they hate Liu Xinyu. now it's right. Because Liu Xinyu is a representative of politics, the author himself doesn't like this character. 】

(It's a bit of a calvin today, sorry.)

Why? Why are you disclosing the technology?

Liu Xinyu looked directly at Zhang Hao, with strong doubts and deep vigilance in his eyes. As for what Zhang Hao said about the industrial revolution, Liu Xinyu only needs to understand it simply—this thing is good for the country, and that’s enough. However, Liu Xinyu remained vigilant about Zhang Hao's disclosure of technology.

You know, Liu Xinyu just used a similar method against the Kingdom of Danyang. The method was to give away 15 boxes of pills to the Kingdom of Danyang for free, but the result directly intensified the internal conflicts in the Kingdom of Danyang. It's fishing! The bait looks free, but behind it is a cold hook and long line.

Now, Zhang Hao, are you going to use this method in China?

As a monarch, the first thing Liu Xinyu thinks of is national political issues; not social progress. No matter how enlightened the monarch is, as long as he sits in that position, the first thing to consider is his own butt problem-if he can't sit still, who the hell cares about how the country develops. Only when you are firmly seated can you consider the issue of national development.

Therefore, Liu Xinyu watched the industrial foundation all night, but Zhang Hao had the most violent reaction to the fact that Zhang Hao wanted to disclose the technology.

Yes, industrial technology, industrial revolution, industry and commerce, etc. are very effective for the current Qixia Kingdom; but the premise is that they cannot threaten the Qixia Kingdom's rule or the interests of the royal family.

Once it affects the interests of the ruling and royal family, it will be embarrassing, no matter how much you benefit the country.

Looking into Liu Xinyu's eyes, Zhang Hao explained in a nonchalant way, "There are two reasons.

The first is the market. The market needs to be cultivated.

To give a simple example, the steam turbines we produce are very expensive, why should others buy them? Because they... can be used! Why is it useful? Because they also have a certain technical background.

So far, all the steam turbines we have sold are from those firms that have visited the Zhang family. They know how a steam turbine works and what value it has.

If they don't know, don't understand the steam turbine, don't know the value of the steam turbine and how to use it, they won't buy it.

In the entire market, in the west of Fertile Land, and even in the future where the commercial influence of Qixia Kingdom may expand, we need to let them understand the technology before we can sell our products.

And the second one is the domestic foundation.

Taking the smelting of Zhangjiaxuan iron as an example, we need to purchase charcoal, bamboo charcoal, broken spirit stones, etc. When the technology develops further in the future, we can contract out the processing of some parts.

In fact, the Zhang family is already a bit overwhelmed. Taking giant steel ships as an example, we need to make iron, steel, produce profiles, produce artillery, turbines, and various components; in order to build ships, we also need to produce corresponding equipment and so on. Finally the shipbuilding can begin.

This entire industrial chain has exceeded the burden of the Zhang family.

I hope that some non-core businesses can be transferred to other commercial firms as soon as possible, so that the Zhang family can reduce unnecessary manpower and focus on high-profit and high-tech industries such as shipbuilding and shipping.

The commercial firms that have obtained new technology can produce a certain product with all their strength, they can keep the price to a minimum, and the quality can be raised to the limit. In addition to providing materials for the Zhang family, they can also provide materials for the entire country.

If there are 100,000 such specialized firms in Qixia Country in the future, then if His Majesty wants to build a warship, he only needs to purchase raw materials from various firms across the country to assemble it. Perhaps a steel battleship can be assembled in ten days!

If there is such a day in the future, the Qixia Kingdom will form hundreds or thousands of steel warships. Go... conquer the world! "

Go conquer the world! This is Zhang Hao's big cake for Liu Xinyu!

Zhang Hao knew very well that it was too tiring to reason with Liu Xinyu. It's better to draw a cake for her.

Sure enough, Liu Xinyu's eyes brightened instantly. But she still asked cautiously: "If this is the case, won't the Zhang family lose a lot of benefits?"

"Isn't there a patent law!" Zhang Hao turned his head to look at a steam turbine that was on the scene in the distance, and said with a faint smile, "As long as others use Zhang's technology to produce equipment, they must pay Zhang's patent fees.

The Zhang family does not need to produce, but only needs to authorize technology, which is enough to obtain huge profits!

Your Majesty, the combination of technology and patent law will greatly promote the development of Qixia Country.

Perhaps His Majesty has noticed that industry and commerce are completely different from the agricultural system in the past. Industry and commerce can create enormous wealth. Some ores that no one cares about have turned into giant steel ships after many technological changes.

In this process, the value has multiplied tens of thousands of times! Hundreds of thousands of times! We turn sand into wealth!

These values ​​come from technological progress!

Similarly, if Qixia's domestic technology explodes, then we can create a country like a pearl! "

This time Liu Xinyu finally shifted his gaze to the production base below, looking at the scene of this machine producing machines. Zhang Hao's words, combined with this scene, left an indelible impression in Liu Xinyu's heart:

We turn sand into wealth!

These words shocked Liu Xinyu greatly.

Yes, we turned sand into wealth. Turn the iron ore that is almost everywhere into black iron, into steel, into magic weapons, spirit treasures, and even artillery and steel battleships!

After a while, Liu Xinyu asked, "How are you going to spread the technology?"

"The Chinese New Year is less than two months away." Zhang Hao spoke slowly, with some indescribable melancholy - the Chinese New Year is coming, and he is going to celebrate the New Year in this world.

But after a short pause, Zhang Hao continued: "I plan to hold an industrial and commercial exposition before the new year. At that time, the Zhang family will invite businessmen from all over the country, and even from the western countries of Fertile Land, to visit and do business.

I would like to set up the first fair in Guangling County. It happened to clean up the old site of the imperial capital in Guangling County. "

Liu Xinyu thought for a while, and suddenly said a little playfully, "This place is not for sale!"

Zhang Hao smiled: "I'm not going to buy it. Such an expo will be a window of the country to the outside world, and it is impossible to create a perfect expo solely by relying on the strength of the Zhang family or Dayang Group.

This is what I think, the Dayang Group and the country will come together to form an industrial and commercial expo. Facing the entire west of Fertile Continent.

The state side provides policy, laws, protection, venues, transportation, state influence, and more. Dayang Group provides funding, planning and management.

His Majesty can also take the initiative to invite other countries to participate.

The profit of this expo comes second, and the most important thing is to serve as a window for the country of Qixia to display to the outside world, laying the foundation for domestic industrial and commercial development and going global! This is where the real benefits lie. "

When it comes to the level of national development, Liu Xinyu immediately understood. She nodded slowly, "This matter sounds good. How about it, you make a simple plan and plan, and I will go back and think about it. I will reply to you as soon as possible."

"OK."

The two walked out while talking. When I came outside, I saw that a small hill in a good position in the distance had half of the cliff cut off, and three large characters of more than 30 meters were engraved on it:

Oasis Port!

Looking at these three words, Zhang Hao suddenly thought: I have been thinking about what name the bank of this world should take. At this time, Zhang Hao had a name in his heart: Green Boat Bank!

Green Boat, a boat of wealth carrying hope, will lead everyone on a new road of development.

Also, after repeated consideration and comparison of names such as "Qianzhuang, Bank, Qianhang, Jinhang", etc., Zhang Hao found that the name "Bank" is the best, which is easy to pronounce and has a deeper meaning.

Whether it is a bank or a money bank, it is too straightforward. If you use "gold line" and so on, let alone whether it is easy to say, gold is too expensive and not close to the people. In contrast, 'bank' is still suitable.

Therefore, Zhang Hao decided to change the name of "Administration of Industry and Commerce" to "Lvzhou Bank".

Zhang Hao rushed a plan to Liu Xinyu, and Liu Xinyu left; but before leaving, Liu Xinyu took a look at the giant ship under construction and the locomotive that had just appeared.

For the giant ship, Liu Xinyu expressed concern; for the locomotive... the queen took a look and left, her eyes full of disapproval.

The queen thought this way: this locomotive is so heavy, and it has to be run by laying a railway, which is too extravagant. This is not a huge ship, it can go to other countries; this locomotive, it seems that it can only circle around the country now. And how many things in China need to be transported by railway?

Therefore, for the time being, the queen cannot see the value of the railway. But the queen didn't say anything, since you, Zhang Hao, like to toss and prodigal, go to toss, and when you hit a wall, you will naturally understand. Well, the empress thinks that Zhang Hao is taking it for granted and getting a little carried away.

In short, the Queen is overall satisfied with the first stop of her tour of the country. I also agree with Zhang Hao's many opinions and so on. The only thing that can't be denied is the railway; but the railway consumes the foundation of the Zhang family and the Dayang Group, and Liu Xinyu doesn't say anything.

Then the Queen transferred to Daoninghe County and continued to inspect.

The purpose of inspections is not only to see the local development, but also to see the implementation of new laws and the situation of the people; the most important thing is to promote the majesty of the royal family and the rights of the country!

The new governor of Ninghe County is Feng Donglai, who used to be Liu Jingming's personal guard and was once in charge of the military affairs of Ninghe County.

Feng Donglai took the main officials with him, and went out of the city to meet Liu Xinyu from a long distance. Looking at Liu Xinyu's appearance from a distance, Feng Donglai's eyes had some kind of indescribable excitement, but he quickly suppressed it. Several months have passed, and the identity gap between the two has become completely insurmountable.

Feng Donglai could only hide the love in his heart deeply.

Since the last time, Liu Xinyu was forcefully taken away by Ouyang Qingque to get married, Feng Donglai almost collapsed. At that time, he hated how he was not in the transformation stage.

Seeing Liu Xinyu again now, Feng Donglai's mood is so complicated, it's not enough for outsiders to understand!

Liu Xinyu just talked to Feng Donglai in a very formulaic way, and didn't express anything special. Liu Xinyu understands Feng Donglai's mood and a little excitement - but there are actually quite a few people like this. The most important thing is that Liu Xinyu is different from ordinary girls, she is the queen.

The status of a queen made Liu Xinyu inevitably more utilitarian. She admires Zhang Hao because Zhang Hao has made great contributions to the country. And Feng Donglai...not even in the Nascent Soul stage, his contribution is really limited.

In Liu Xinyu's mind, she naturally divides people into four levels: Useless, Useful, Greatly Useful, and Indispensable. As for Feng Donglai, it can only be regarded as 'useful'.

Liu Xinyu inspected Ninghe County, especially focusing on the industrial and commercial development here.

Thanks to the development of the Zhang family and Dayang Group, coupled with the success of sailing, the industry and commerce here are very active. Nowadays, even many common people sell their own fruits and grains.

The currency of Ninghe County caught Liu Xinyu's attention. Due to the advancement of black iron technology, the value of black iron coins in the past has continued to depreciate; now the purity of black iron coins in Ninghe County has reached 70%!

70% pure black iron is almost five times the value of 60% pure black iron—that is to say, the black iron coins in Ninghe County have depreciated by five times!

But the chaos did not happen, because Zhang Hao turned on the "big water release" mode. Coupled with the development of industry and commerce, the income of the people here has increased rapidly. This, on the contrary, promotes the development of local industry and commerce. Coupled with the influence of navigation, some kind of transformative power is brewing here.

But when Liu Xinyu paid attention to the currency of Ninghe County, Zhang Hao had already started to really consider building a bank.

Unlike Dayang Group, Zhang Hao has maintained enough vigilance and reason for this future central bank. A bank is a double-edged sword, with sharp edges on both sides.

There is no doubt that banks have contributed to the development of industry and commerce; but the harvesting of industries and commerce by banks is also ruthless and even cruel.

By manipulating loans, banks can drive an excellent company to a dead end, buy it at a low price, and then sell it in a package. This process can earn ten times, dozens of times, or even crazier benefits.

After this situation, banks have become the biggest obstacle to social progress. But the bank also involves the interests of most of the society, and it is difficult to cross over. It can be said that the bank at this time is already the curse of the society, firmly locking the whole society.

Now that he has the opportunity to plan for the future, Zhang Hao wonders if there is a way to solve the bank's problem in one fell swoop. But Zhang Hao stood by the sea and kept thinking until sunset, but he couldn't come up with a perfect solution.

Zhang Hao was thinking, but no one disturbed him, or no one dared to disturb him. Until Zhou Xueyao was invited out by everyone.

Zhou Xueyao walked lightly to Zhang Hao's side and stood side by side. She lightly leaned on Zhang Hao's shoulder and said softly, "What are you thinking about?"

"I'm thinking about our future!" Zhang Hao put his arms around Zhou Xueyao's shoulders, gently sniffing the faint fragrance of the beauty, his mind finally calmed down after a day and night.

Holding Zhou Xueyao and sitting by the sea, the two watched the sunset on the sea together. Zhang Hao expressed his thoughts leisurely: I think of a new way of bank development, but this new way of bank development may bring a more severe future.

Banks are not charitable organizations. The way banks promote and incubate industrial and commercial businesses is through loans. But the lender may not be able to develop, and there may be fraudulent loans, so the bank must have sufficient ability to stop losses. But now that they have this ability, it is inevitable that the banks of the future will raise their butcher knives.

It is impossible for Zhang Hao to keep staring at the bank. So Zhang Hao wanted to put a curse on the bank at the beginning of its development.

After all, Zhang Hao said with some emotion: "The current bank, at most, nine out of ten and thirteen returns. But if according to my idea, after the bank develops, it may be out of ten out of fifteen, or even more. Even This will bring down the lenders."

Zhou Xueyao leaned on Zhang Hao's shoulder and said softly: "I don't quite understand what you said. But I think I can sit in this bank for you."

Zhang Hao hugged Zhou Xueyao's hand slightly, "I don't want you to get involved in these aspects. In fact, chemical research and medical research are more important. I'll think about the bank."

Zhou Xueyao responded softly, leaned on Zhang Hao's shoulder, and watched the sunset together. The setting sun pulled the figures of the two, Lao Zhang, Lao Zhang, into the distance.

After a while, Zhou Xueyao suddenly said: "I think, the bank matter...have we considered it complicated? When the sun goes down, nothing stays the same.

We only need to leave the warning now, and the internal clean-up system is enough. "

Zhang Hao shook his head.

"Isn't it?"

"No, there is one thing that remains the same. That is my love for you... hey...what are you pinching me for?"

"I like!"