Chapter 863

The rest of the people, you say a word, I say a word, keep talking.

There was worry on everyone's faces.

Zhang Xiu listened to the people's words, and there was no tension and anxiety on her face. Because these problems were in his expectation. The emergence of a novel is bound to be questioned and questioned.

Seeing that Liu Ba had never spoken from beginning to end, Zhang Xiu asked with a smile, "Liu Ba, you are the Secretary of the Ministry of household affairs. You know the situation best. Can you tell me whether the formation of a bank is a good thing or a bad thing? "

Everyone's eyes fell on Liu ba. Even Xu Shu and others indicated to Liu BA with their eyes, hoping that Liu BA would stop Zhang Xiu from spending too much money.

The money didn't come from the wind.

It's not easy to make money.

Liu Ba said with a smile, "in my opinion, this is actually a good thing."

Jia Xu said: "Liu Shangshu, really?"

There is doubt in his words.

Liu Ba said with certainty: "in fact, I only see how much interest the bank will pay, but I forget the benefits of putting so much money in the bank."

"With so much money, it's enough to make money."

"That's the best thing."

"You don't know the use of money, but in fact, if you have so much money, you can continue to operate. For example, if a businessman needs money to flow, the bank can lend him money to help him get through the difficulties and charge him higher interest. "

"Another example is the emergence of gold mines in Yizhou. It is not easy to develop gold mines. The government does not have enough financial resources. Then, banks can invest. "

"The bank pays for a certain profit."

"It's also an opportunity to make money. Because of this money, money makes money. Loans, investments, etc. can make money. In particular, banks have the background of the government. How can they be in deficit? "

Liu Ba said: "as long as the operation is proper and there are channels and information from the central government of the state of Qin, it will be profitable."

Jia Xu said: "as Liu Shangshu said, if you have a large amount of money, you can make money. But in fact, what if someone borrows money and doesn't want to pay it back? "

Liu Ba shrugged his shoulders and said, "it's natural to pay off debts. In particular, the money owed to the bank is equal to the money owed to the government. If there is no money to return, you will be prosecuted. "

After a pause, Liu Ba continued: "in fact, not everyone can borrow money, and it's not easy to borrow money with one mouth open. If you want to borrow money, you must have a pledge, or a land lease, or a land lease, or a treasure. "

"Only under such a premise can we borrow."

"Only in this way can we ensure the stability of the bank's money," Liu said. In fact, the specific operating procedures will certainly be more complicated, and it is impossible to release money directly. After all, no one's money comes from the wind. "

Zhang Xiu nodded.

Liu BA's analysis is good, and he is almost clear about the bank's affairs.

On the faces of all the people, there was a look of thinking.

At this time, Zhang Xiu took the words and continued: "in fact, the use of banks is far more than that."

"I'd like to hear more about it!"

Jia Xu stroked his beard and answered.

The rest of the people, with a solemn look on their faces, all stare at Zhang Xiu and see how she explains.

Zhang Xiu said in a deep voice: "after the establishment of the bank, the main form is to cash or pawn the bill to exchange money. For the time being, it's like this, but in the end, it's going to replace the five baht money with paper money. "

At present, Zhang Xiu talked about the situation of paper money.

Zhang Xiu continued: "although the current situation is not up to the point of using paper money for the time being, even if it is used to cash and pawn bills, after they became popular in the territory of Qin Dynasty, gradually, banks can be established in Cao Wei and other places."

"Just imagine, once all over the world, there are places where our banks are. At that time, it will be easy to use the bank to influence the stability of Cao Wei, Yuan Shao and sun CE. "

Zhang Xiu said: "the bank is a double-edged sword. If we make good use of it, it will be of great benefit. But if you go to the extreme, it can also have a great impact. "

When they heard this, their eyes brightened.

This is not taken into account.

No one thought that there was such an operation. Although they still didn't understand the bank very well, Zhang Xiu said so. One by one, she also had some expectations.

Li Ru didn't speak all the time. He suddenly asked, "Your Highness, there's a problem with your humble position!"

Zhang Xiu said: "but it's OK to say it!"

Li Ru said in a deep voice: "among banks, cash and pawn bills are mainly used for circulation. When people come to save money, whether it's five baht money or gold cakes, they will issue cash notes. If one day, Cao Cao or Yuan Shao, raise countless cash, to exchange money. Suddenly, we don't have so much money in the bank. What should we do? At that time, it is easy to affect our own reputation. "

Zhang Xiu said with a smile: "what Wen you said is true, but it's not really a problem."Li Ru said: "I'd like to hear about it in detail."

Zhang Xiu said in a deep voice: "first, we are constantly mining gold. In this bank, there are plenty of gold as the bottom. Even if there is a problem, there is a gold mine behind, which can ensure the adequacy of the bank's money. "

"Second, small amount of money can be cashed on the same day. But if you want to cash a large amount of money at one time, you must make an appointment, not the same day. "

"Third, in fact, we will charge as much as we can for a bill. Once in and out, the bank does not lose money. Especially after the operation of the bank, as long as the operation is good, it is impossible for the bank to be unable to make both ends meet and exchange. "

Zhang Xiu said in a deep voice: "no matter what, we don't have to worry about it. Because we have the gold, we can open the mine at any time, and we can guarantee enough money. "

"Wonderful

Li Ru's eyes brightened when he heard this.

It's really good.

Li Ru folded his hands, arched his hands and said: "Your Highness is wise, I admire you."

Tian Feng said in a deep voice: "Your Highness, I have a doubt about my humble position!"

"Say it

Zhang Xiu nodded.

Tian Feng said in a deep voice: "all the discussions just now and all the considerations are actually based on the fact that banks can have business. But it's a new thing that needs the support of the people. "

"In particular, people should be willing to put money in."

"I'm afraid it's not easy."

Tian Feng said: "many people are used to hiding their money at home and letting them store it in the bank. There must be a lot of people who are against it. Under such a premise, how can your highness break it? "

Zhang Xiu said, "it's easier!"

Tian Feng's eyes are eager to see Zhang Xiu, but he still doesn't understand.

It's new, after all.

He's a little confused.

Zhang Xiu said in a deep voice: "in the past, Shang Yang moved to Mu Lixin in the state of Qin, so he had the trust of the people. Therefore, Shang Yang can carry out the Qin law and make the people believe it. "

"At the end of the day, it's a matter of trust."

"First, the salaries of government officials, in addition to the direct provision of food, the rest of the money gradually went to the bank."

"Second, for disaster relief and other matters, money should be drawn from the bank."

"All kinds of money, try to go to the bank."

Zhang Xiu continued: "the most important point is to tell the people clearly that when we find gold, the imperial court wants to open up the mine, and at the same time give the people subsidies, which can make money. As long as the money is in the bank, you can earn money. "

"It is not difficult for banks to develop with various supporting means."

"What's more, the bank itself has money."

"It's not difficult to have plenty of gold behind us."

Zhang Xiu said in a deep voice: "what's more, even if everything is difficult at the beginning, since the bank is established, the officials in charge must find a way to make the bank thoroughly popular, go deep into thousands of households, and let thousands of households know. In this way, banks will become popular all over the world. "

When they heard the words, they all nodded.

Everyone agrees with Zhang Xiu that once the bank is well operated, this is an opportunity.

At this time, Sima Yi said, "Your Highness, I still have a question about my humble position."

Zhang Xiu said, "say it!"

Sima Yi solemnly said: "the establishment of a bank, simple as it sounds, is relatively easy. Once we started a bank, we made profits through it. What if Yuan Shao and Cao Cao all followed suit? Under their rule, banks also appeared and began to follow our example. So how to deal with it? "

Zhang Xiu said in a deep voice: "the first one to eat crabs is a Cowman. But the second and the third may not benefit. Just as Li Ru said just now, when we set up a bank, we are easy to be dealt with. Similarly, if Cao Cao, Yuan Shao and others want to learn from us, then we can deal with them. We have all kinds of preventive measures, but they may not. This is also a pit for him. "

At this moment, Sima Yi was convinced.

The establishment of the bank is really a good move, one link after another, extremely powerful.