"The prime minister, what I think is that the Qin State-owned Federal Reserve Board, which is equivalent to their bank, the largest bank, is the central bank proposed by Qin Guoren Finance." The Minister of Finance said to Zhang Liangshu. The Minister of Finance is here to find Zhang Liang, and Zhang Liang is going to Han Shu to make some reports on the State of Qin. The war is approaching. This makes him more busy.

"If we in South Korea want to develop and expand South Korea's banking industry, then the development of South Korea's own central bank is the key." The Minister of Finance said.

"That is to say, no matter how many commercial banks we develop in South Korea and how large the commercial banks are, then the central bank is the key. If South Korea does not have a central bank, the development of South Korea's banking industry will be in vain." The Minister of Finance said.

"Why do you say this?" Zhang Liang didn't understand. He didn't have a lot of research on finance, and his knowledge of finance was only limited to the bank's loan relationship.

"Bank capital comes from their savings, but it is difficult to obtain sufficient capital when bank interest is extremely low, and the capital of loans far exceeds the capital they absorb. In this case, it is difficult to supply sufficient currency. If the manifestation exceeds their capacity, the bank’s crisis will be very big. If the bank goes bankrupt, it will be the biggest crisis for us.” The Minister of Finance said.

"With the central bank, such a crisis can be avoided. Qin's Federal Bank Reserve Committee is actually Qin's central bank, and the word "reserve" shows the function of the central bank." The Minister of Finance continued. To.

"Yeah." Zhang Liang nodded.

"That's right." Zhang Liang said.

"Now that the Qin State Bank is developing rapidly, the biggest reason may be caused by the Federal Reserve Board. Now, we also do it." Zhang Liang said.

"Let's go, my Minister of Finance, go to meet the king and explain these things. In this way, our Korean banking industry can develop rapidly." Zhang Liang said excitedly.

Zhang Liang once proposed a plan to develop Korea's own commercial bank, but this plan is very difficult to implement. The reason is simple. It is the lack of sufficient commercial funds. Without commercial funds, it will cause great difficulties. There are private people who want to be commercial banks, but where does the capital of commercial banks come from? They are not clear at all. Not only that, the funds for the first step of the loan are difficult to complete.

At this time, the central bank's approach was proposed. With the central bank, commercial banks have their first funds, and commercial banks can mortgage the valuable things in their hands. For example, land, shares, and various securities and so on. With these things, the commercial bank has the first start-up capital, which is very important to the bank.

Zhang Liang used to think hard about how to develop commercial banks in South Korea, but now it seems that he has finally found a way.

Han Shu took a cup of tea, took a sip, and then swallowed it. She listened carefully to the explanation from the Minister of Finance, and she had a preliminary understanding of the concept of the central bank.

Han Shu began to carefully recall all the concepts related to banks. Ideas, and what the people of Qin did and so on. According to what the Minister of Finance said, there is indeed an institution like the central bank in Qin State, but the central bank has an institution similar to the commercial organization of Qin State. Among them, the government of Qin State is one of the participating institutions, but not The biggest, so many of his policies need to be discussed with Qin State Commercial Bank.

Therefore, Qin’s Federal Bank Reserve Committee is a committee member, but it’s easier to gather commercial banks together. There are many large banks in Qin, and they are very powerful. This is why Qin dared to start a lot of operations at once. South Korea is not good for large-scale projects. There are no large banks in South Korea. Yes. Compared with Qin, his strength is very weak, at most equivalent to a medium-strength bank of Qin. At the same time, due to business problems, his Expansion is difficult to achieve. This is the current dilemma of Korean banks.

There are few commercial banks. There are almost no large banks. The strength is very weak. The development is lagging, and such a series of blows have caused difficulties for Korean commercial banks.

"Can these things be solved with the central bank?" Han Shu thought about it and asked.

"Yes, Lord," said the Minister of Finance.

"Many of our businessmen want to establish their own commercial banks, but the problem of capital cannot be solved. The main reason is that there is no circulating capital in their hands. And they have a lot of assets in their hands, these assets are in fixed form, and what the market needs is Circulation. Money cannot be circulated, and it is naturally difficult for banks to do well in business." The Minister of Finance said.

"What few people think is that setting up a bank can also solve this problem." Han Shu put forward his own ideas.

"No. King, the establishment of a bank is still a commercial bank, that is, the establishment of 100 banks in South Korea, the nature is the same, because they are all profitable." The Minister of Finance said.

"The central bank is also profitable, but the most important thing is its functionality. In other words, the central bank is similar to the heart of all commercial banks. With the energy provided by the heart, the blood of commercial banks can flow. Banks are aimed at commercial organizations and all aspects, and the central bank only addresses one of them, that is, commercial banks. Commercial banks have financial difficulties, and the central bank can solve them by issuing paper money." The last sentence of the Minister of Finance was all at once. Hit Han Shu's faint inspiration.

"What?" Han Shu asked.

"The central bank is targeting commercial banks," the Minister of Finance said.

"No, it's not this sentence, it's your last sentence." Han Shu asked hurriedly.

"The central bank has heard of the issuance of banknotes to solve the problem, is this the sentence? Wang Shang." Zhang Liang said from the side.

"Yes. That's it." When Han Shu heard this, she became excited. South Korea also has its own banknotes, but the issued banknotes are carefully provided to commercial banks to supplement banknotes, or through trade and fiscal expenditures. The way to provide banknotes is very obvious. Commercial organizations are very sensitive to this. This is also the reason why the Korean won is falling so fast. If it continues to be issued in this way, Korean banknotes will become waste paper. The problem is the same concern as the bank problem. But a sentence from the Minister of Finance reminded Han Shu.