The Emperor of Red Mansions: Many Children, Many Blessings, Opening Draft

"If the principal and interest cannot be repaid even after the property is confiscated, the government and the East Factory have the right to continue to collect from the guarantor.

Of course, this interest cannot be as high as the interest on loan in the market, and it cannot be compounded.

The two major banks lend money to generate income for the court and to maintain the operation of the two major banks.

If there is really a problem, after investigation, the debtor and the guarantor are unable to repay the debt owed to the bank, the two major banks can reduce the interest according to the situation~, or even just recover the principal.

In the face of malicious non-repayment and transfer of property, whether it is the first type of debt or the second type of debt, the court has the right to confiscate all their property and impose criminal penalties on them. In serious cases, they can even punish their family members. Joint responsibility system. -"

"In addition, the two major banks will also set up an equity investment department. The role of the equity investment department is to invest in all potential businesses of all sizes in Dawu and become the financial owner (shareholder) of the potential businesses.

But in order to prevent collusion between officials and businessmen, abuse of power for personal gain and other incidents.

The investments of the two major banks are one-time.

And whether the invested business is profitable and growing, the two major banks can get dividends, and whether the invested business goes bankrupt or is punished.

It has nothing to do with the two major banks!"

"The two major banks only care about dividends! Of course, if the invested business does something treasonous, sells out the country, or does something evil, the two major banks can use their equity in the business to forcibly intervene in the business. Management."

"In addition, the two major banks must also cultivate and win over a group of talented businessmen.

You can invest your own money to set up subordinate businesses to do business.

Businesses funded by banks are state-owned businesses, and the profits earned belong to the two major banks.

Taxation and supervision are under the jurisdiction of the Ministry of Households.

If expansion is required, the manager of the business will report to the Ministry of Households and the two major banks, and the final approval will be jointly decided by the Ministry of Households and the banks.

State-owned businesses must be people-oriented and national interests are the top priority.

Even if state-owned commercial banks have low profits, they must ensure that the people can eat, drink and use with confidence.

Quality must not be cut corners.

Similarly, to those brothels, gambling places, A series of local state-owned businesses such as Fang must not be involved.

And the state-owned business bank in charge of the affairs must also be given corresponding official positions by the court and enjoy all the benefits of official positions. ”

“Now there are many businessmen who want to purchase construction machinery.

State-owned businesses can produce construction machinery for sale.

The Mohist disciples under Master Ban can also specialize in developing various time-saving, labor-saving and durable agricultural tools for sale.

The same is true for weaving machines.

This is a very good direction. ”

“But there is one thing, the Great Wu Empire Bank is responsible for the production of new currency, so the Great Wu Empire Bank is state-owned and belongs to the court.

And the Great Wu Royal Bank is jointly owned by the royal family and the state.

The Royal Bank assumes corresponding responsibilities and is managed by officials arranged by the court.

Its profits belong to the royal family.

But both the two major banks and state-owned businesses must pay taxes to the court.

No one can avoid this, just like my imperial farm has to pay taxes to the court. "

Faced with Lin Ruhai's dissuasion, Li Chenghan was not angry at all, but informed Lin Ruhai and even the officials of all the bank's businesses and responsibilities.

Hearing Li Chenghan's words, all the civil and military officials were dumbfounded.

They can understand that the court's government offices are borrowing! Because the court is responsible for borrowing, this can well curb the private lending of usury.

And the court can also generate income, at least there is no problem in ensuring the operation of the two major banks.

But the court does business and recruits businessmen to give official positions, which is a bit ridiculous.

"Your Majesty, this businessman is an official! ”

After Li Chenghan finished speaking for a long time, the Minister of Personnel hesitated for a while and said to Li Chenghan in a rather awkward manner.

“Don’t the imperial merchants also have official positions? The official positions of this state-owned business are not hereditary.”

Li Chenghan said to the Minister of Personnel indifferently.

Hearing this, the Minister of Personnel was speechless.

“Gongshuchou, are you confident that you can make new currency, checks and vouchers (deposit books) with extremely high anti-counterfeiting ability?”

Seeing that no one had any objections, Li Chenghan looked at Gongshuchou who was sitting in front of his desk and said.

“Your Majesty, I am confident that I can make new currency, checks and vouchers with extremely high anti-counterfeiting ability.

But if Mr. Ban studies with me. (To read the exciting novels, go to Flylu Novel Network!)

The new currency, checks and vouchers of the imperial court will be more anti-counterfeit.

I can even guarantee that the new currency, checks and vouchers jointly researched by me and Master Ban will not leak the secrets of production.

It will be impossible for anyone to prevent it for at least a thousand years. "

Gongshu Chou thought about it and answered Li Chenghan in a way that others might think was arrogant but was actually implicit.

Although Gongshu Chou and Mohist fought for hundreds of years, Gongshu Chou and Master Ban also fought for a lifetime.

In this life, they all serve Li Chenghan, so no matter how big the grudges between them are, they have been resolved in this life.

"Okay, Xiao Guizi, pass on the order to transfer Master Ban back to Shenjing City for me! "

Li Chenghan was very satisfied with Gongshu Chou's words.

He immediately gave an order to Jingke beside him.

"I obey the order!"

After receiving Li Chenghan's order, Jingke immediately accepted it.

"There is one more thing! Although the people of my Great Wu are now healthy and have some spare money.

But Shenjing City is getting more and more crowded! []

The crowding of Shenjing City has also affected the lives of many people! "

"So I plan to build a new city to the east of Shenjing City.

The new city connects the southern and northern walls of Shenjing City.

HoweverThen expand eastwards for a hundred miles!

The headquarters of the Great Wu Empire Bank and the Great Wu Royal Bank were directly established in the new city.

Well, the Great Wu Empire Bank and the Great Wu Royal Bank were designed and built by Master Ban and Gongshu Chou together.

I have only one requirement for the headquarters of the two banks!

That is, the two banks must be tall and big!

And fire prevention and anti-theft must also be strengthened!

After all, the two banks will store a lot of gold and silver in the future! ”

“In addition, after the headquarters of the Great Wu Empire Bank is completed, it will be directly called the "Empire State Building".

After the Dawu Royal Bank's main office is built, it will still be called the "Dawu Royal Bank's main office."

"There is one more thing. Since Dawu has changed its name to "Dawu Empire", we should not call ourselves "Dawu" anymore. Just call us "Empire".

This name is simple and can show the dominance of Dawu."

Jingke secretly remembered Li Chenghan's instructions and stepped back.

After Li Chenghan thought about it, he continued to talk about the construction of a new city and the Dawu Empire Bank and the Dawu Royal Bank's main office. .