Chapter 726: Dual-Line Layout

"Bank? What is it? How come I've never heard of it?"

"Yes, and there's this steamship. This court meeting is just a mystery."

"..."

When Zhao Xu mentioned the bank, the ministers started to discuss it.

Zhao Xu smiled. Of course, only a few people knew about the core secrets of the steamship.

It was normal that other ministers hadn't heard of it.

As for the bank, it was the first time he mentioned it. Including Liu Fu and Yang He, they also knew nothing about it.

So he said: "You will understand if I put it another way. This bank is equivalent to a money house."

"So it's a money house."

"But the name of the bank is quite appropriate.

"..."

The ministers whispered.

"But why build four different banks?" Yang He asked at this time.

Zhao Xu continued to explain, "Of course, it's because they have their own functions. In the future, the Royal Bank will be responsible for regulating and intervening in the development of industry and commerce in Dasong, and have the right to mint coins. The three major banks and all banks that may be established in the future will be governed by the Royal Bank. "

"The Commercial Bank is responsible for lending money to merchants, supporting them in opening up foreign trade and establishing commercial banks. "

"As the name suggests, the Construction Bank lends money to various construction projects and workshops in Dasong, and the Agricultural Bank naturally supports agriculture. "Zhao Xu tried his best to explain in a language they could understand.

After the north was settled, the next step was to carry out comprehensive development.

For the development model of Dasong, he insisted on taking the royal industry as the core, leading the economy of Dasong, supplemented by private industry and commerce, and activating the business environment of Dasong, while taking agriculture as the basis.

The three major banks will provide loans to individuals involved in commerce, industry and agriculture to support them in conducting business activities, establishing workshops, running farms and planting cash crops.

Of course, all this money will eventually need to be charged interest.

However, he will ask the Royal Bank to set this interest very low to support the economic development of Dasong.

In addition, he will also open up the production of some commercial goods to the private sector.

For example, it is allowed to establish private spinning workshops, weaving workshops, glass workshops, cement workshops and other light industrial workshops.

However, in order to prevent the leakage of technology, when opening the workshop, he will incorporate the patent right into the laws of Dasong.

Only merchants who pay money to buy patents are allowed to use the corresponding technology to establish workshops, and violators will be punished.

"But in this way, the income of the royal industry will not be reduced. "Zhao Xu explained it again.

At this time, Yang Feng showed a confused look.

Yang He heard this and laughed: "Duke Yiguo is wrong. If merchants want to build workshops, they have to pay money to buy patents, buy land, build workshops, and even buy steam engines. When they produce, the court can collect taxes from them. It seems that the palace is at a disadvantage, but in fact it is the palace that makes money. "

After a pause, he continued: "And their tossing is equivalent to revitalizing many workshops. Building workshops requires cement, cement requires mining limestone, and even steam engines need to be purchased. There are only one or two such workshops. If there are workshops in all states, counties, and counties of Dasong, the orders of steam engine workshops will be too busy. More steam engine workshops and more cement workshops will be needed. Dasong's industry will also be stimulated and developed greatly..."

Yang He spitted.

He specialized in commerce in the Political Affairs Department, so he naturally understood the policies that Zhao Xu was going to implement.

Yang Feng shook his head, still half-understanding, and said: "Since coming to Yanzhou, this old minister really feels that he has become an antique. "

The ministers who came from Jinling behind him felt the same way.

Originally, they were a little dissatisfied with the officials in Yanzhou and the King of Yan.

But as they spent their days in Yanzhou, they finally understood that without the King of Yan and his officials, Yanzhou would never have achieved what it has today.

So they gradually became yes-men, and they just did what the King of Yan and his officials said. Speaking out would only expose their ignorance.

Even Emperor Zhao Heng had lost his temper with his ninth son during this period of time.

When chatting with them, he once said that in today's world, only the King of Yan could eliminate the powerful families and unify the world.

"Duke Yi, don't belittle yourself. You can learn a thing or two about these things by going to the Political Affairs School." Zhao Xu said with a smile.

Then, he turned to look at Liu Fu and Yang He, and asked Xu Lie to hand a booklet to the two of them, "It records the specific responsibilities and job composition of the four major banks, as well as the plan for the future industrial and commercial development of Dasong. You can strictly implement it according to the above. ”

This is the economic development blueprint he compiled in his spare time at night.

If it is implemented, all kinds of workshops will flourish in Jiangbei.

Warfare depends on the people, and economic development also requires the active participation of the people.

Otherwise, there will only be the royal industry, and the industry will be like a stagnant pool of water.

Once private industry and commerce become active, the industrial output value of Jiangbei will increase rapidly.

And the increase in industrial output value will bring material abundance.

The living standards of the people will naturally rise.

At the same time, workshops will also provide a large number of jobs, allowing the people to earn more.

Only in this way can we achieve a rich people and a strong country.

However, there is one thing, doing this is also prone to overcapacity.

Once the goods are saturated in Dasong, they have to be exported to other markets.

The export of goods will be exchanged for huge profits from overseas markets.

These profits will make Dasong richer and richer.

Therefore, while launching the industrial and commercial development plan, he must find a way out for Dasong's goods in the future.

Currently, most of the world's markets are controlled by Westerners.

If he wants to enter these markets, it will inevitably cause a bloody storm.

Before World War I, Germany quickly became an industrial power, but there was no matching market, and it was even suppressed everywhere, which eventually provoked a war.

After all, once the workshops are not profitable, they will close down in large numbers, industrial development will stagnate, and people's lives will become difficult again.

And if he wants to take over the overseas market, he must have the guarantee of strong military force.

So, he said to Chang Wei and Yang Feng: "Take advantage of this time to change all the soldiers of the royal palace into new uniforms."

After a pause, he said: "Also, for a long time, the royal palace's personal army's school lieutenant led 500 people, and the captain led 10,000 people. There is too much difference between them. This king thinks that the military ranks should be re-established."

"In the future, ten people form a team, with a captain, thirty people form a flag, with a flag chief, one hundred people form a general flag, five hundred people form a city, with a city chief, one thousand people form a battalion, with a battalion chief, three thousand people form a school lieutenant, five thousand people form a guard, with a guard commander, the captain has one to three guards under him, and above the captain is the Zhenwu general, who governs two to five captains, and the whole army is led by the general." Zhao Xu said in a deep voice.

This time, he set it up in comparison with the contemporary military system.

The squad is the squad, the flag is the platoon, the general flag is the company, the battalion is the battalion, the battalion is the regiment, the lieutenant is the brigade commander, the guard commander is the division commander, the captain is the army commander, and the general Zhenwu is the army commander.

The general is the general marshal of the army.

With such a detailed division, the royal palace’s personal army will be more flexible in combat in the future.

At the same time, this is also an advance preparation for the upgrade of firearms in the future.