Chapter 1114 Financial Seed

(Sahua, chapter 1111 la la la la la la la ~~~ just wrote about the financial direction. Some time ago, everyone said that we should add a little "peaceful development" issue. At that time, Tianya thought for a long time and decided that it was not easy to grasp in a peaceful environment, because If you don’t write well, it will be dull. I have been thinking for a long time recently, and finally found the trick. O(∩_∩)Oha!)

At this time, not only Yan Ze'an, but many people were staring at Li Xian.

Although the administration is in the hands of the prime minister, the soul of Shang country is in the virtuous king.

When everyone looked over, Li Xian smiled slightly: "I think the wealth of the construction of the special zone can be funded by the private sector; the state only provides basic guidance and policies."

"Let the private sector contribute?" Yan Ze'an frowned, "Your Majesty, the private capitalists are all smart now, and it is not an easy task to get them to contribute."

"No, no, no..." Li Xian shook his head and smiled confidently, "Of course it would be very difficult in other countries; but in Shangguo, it's actually very simple. The so-called difficulty is only because we haven't found the right method That's all.

And this method is also very simple, that is... deepening the stock system and broadening the financial system.

We can divide the special zone into individual stocks and sell them to the whole people. In the past, most of our stock transactions were expensive, mainly involving nobles, rich people, and masters; now we want to continue to split stocks so that ordinary people can also participate in stock transactions.

As far as I know, nine out of ten people in our country don't put their wealth in the bank, but put it under their bed. However, those who participate in stock and bond transactions in China only account for less than 1% of the market capital. This shows that the power of the people is great, and we also have a huge market. "

"But it's not easy to get people to invest this money!" He Lin said, "Up until now, almost all bank deposits have been deposited by merchants and migrants; ordinary people rarely deposit."

Li Xian is thoughtful, now Shangguo adopts a constant value currency policy, and this leads to a problem, because the currency has a constant value, so there is no interest on savings; even depositors have to bear certain withdrawal and deposit fees and so on.

In this way, naturally no ordinary people are willing to come to the bank to make deposits; most of the depositors are businessmen or people who walk around.

However, with the opening of the teleportation array, the bank's performance will inevitably be affected a little; but it is foreseeable that with the popularization of the teleportation array, the bank will inevitably be severely impacted.

Li Xian thought for a while and said: "In the next step of development, the bank will be the core, it will be the hub of Unicom's capital market, individuals, the country, and a wealth hub.

In this way, He Lin, try to add a little interest. That is, deposits have interest; this interest is deducted from the loan profit.

If it can attract large deposits and loans, bank performance will be greatly improved.

In order to encourage lending, the loan interest also needs to be reduced appropriately. For the time being, banks are also drawing on the idea of ​​making small profits but quick turnover.

Originally, when we first established the bank, we formulated a three-step road; now, it is time to start the third-step development plan. "

He Lin was a little distressed: "Your Majesty, the interest rate on bank loans is already very low. If you pay interest on deposits, you may not be able to make ends meet. The bank invests a lot of security forces every year, and these investments are not a small amount."

The banker is crying poor? Li Xian suddenly had a weird idea. But Li Xian also knew that He Lin was not crying poor, but really so. This is the world of practice. There are many masters and methods. The bank has to invest a lot of resources in order to be safe.

In other words, if the country had not been supplying banks with various resources at cost prices, the banks might be losing money now. Of course, this is mainly due to the rapid expansion of the merchant country in recent years and the continuous expansion of banks.

Over the years, Shangguo's banks have spread all over Yingzhou, Haozhou, and even Feitu Shenzhou has branches of Shangguo's banks; the investment of resources is indeed quite large.

Li Xian thought for a while and said: "He Lin, now that computers and mobile phones are popularized, bank cards can be popularized. It is still very good to use electronic numbers as a means of wealth circulation.

In the past, gold, silver and copper were natural currencies; but now, we have developed our own currency, which is virtual currency. Although we are still on the gold standard system, the circulation of currency has gradually moved away from the influence of gold and silver. "

He Lin's eyes lit up: "King Xian, I know what to do. If this matter is done well, the bank's investment in all aspects will be cut by more than half!"

"That's good, the bank is the core of the merchant country.

Also, next I am going to allow private banks to be established. "

"What!" When Li Xian said this, everyone stood still. After so many years of development, everyone understands the significance of banks to a capitalist country; now Li Xian is planning to allow private participation in the construction of banks.

Li Xian smiled faintly: "Everyone, don't panic, I have considered this matter a long time ago. In fact, even if we don't open up private banks, there are now more than 300 banks from various countries in China.

Perhaps these banks are not very powerful, but together they are not something that a single bank in Shangguo can compete with. We need more allies; obviously, the citizens of Shang are our natural allies, and many of the merchants in Shang are wealthy.

In addition, capital is the driving force behind the progress of capitalist countries; promoting the free circulation of capital is also an important means of promoting national development.

There is a concept that everyone does not seem to understand, that is: capital in circulation is called capital, and the speed of circulation is fast, which means that capital is superimposed and copied invisibly, which is tantamount to creating wealth out of thin air. "

Most people's eyes are black, how can capital increase out of thin air? But Fang Shijing, He Lin and a few people had their eyes lit up and understood Li Xian's meaning.

After a short pause, Li Xian continued: "Of course, although private banks are allowed to open banks, there must be strict supervision and even some necessary restrictions.

In this regard, relevant laws and regulations need to be formulated, is this... Gongsun Wushang, discuss with He Lin and Fang Shijing to formulate a new banking strategy. "

"Yes." Gongsun Wushang accepted the order, even a little happy. As a legalist, he participated in the construction of the Shang country and witnessed the rise of the Shang country. This is a great honor.

Right now, it seems that the Shang Kingdom is about to start a series of new changes, which makes Gongsun Wushang very excited.

Li Xian looked around and continued, "Let's do the bank's affairs first, and then let's talk about the special zone.

Just now I said that the special zone will be split into individual stocks and sold to the whole people. But it also involves a lot of problems.

First, we need a more professional stock trading market. The stock market we built before has lagged behind and cannot keep up with the country's development and social needs.

In order to better serve the development of Shangguo and the new financial needs, I plan to build a new city, which is also one of many special zones in Shangguo.

The name of the new city is 'Jinshan'. "

(The new book "Reverse the Galaxy" rolls for support)