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(Sahua, Chapter 1111 Lala La~~~ happened to write about the financial direction. Some time ago everyone said that to add a little more to the issue of'peaceful development', Tianya thought for a long time at that time and decided that it is not easy to master in a peaceful environment because If you don’t write well, it’s plain. I have been thinking for a long time, and finally found the trick. O(∩_∩)O ha!)

At this time, not only Yan Zean, but many people are looking at Li Xian.

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

When everyone looked over, Li Xian smiled slightly: "I think that building the wealth of the SAR can be funded by the private sector; the state only gives basic guidance and policies."

"Let the private capital contribute?" Yan Zean frowned. "The wise king, now the private capitalists are savvy. It is not an easy task for them to contribute capital."

"No, no..." Li Xian shook his head and smiled confidently. "If it is in another country, of course it will be difficult; but in Shangguo, it is actually very simple. The so-called difficulty is only because the correct method has not been found. That's it.

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

We can divide the SAR into individual stocks and sell them to all people. In the past, most of our stock transactions were expensive, mainly involving nobles, rich people, and experts; now we need to continue to split the stocks so that ordinary people can also participate in stock trading.

As far as I know, now nine adults in our country do not deposit their wealth in the bank, but put it under the bed. But domestic participation in stock and bond transactions only accounts for less than one percent of market capital. This shows that the private sector is powerful and we also have a huge market. "

"But it's not easy to let the people invest the money!" He Lin said. "As of now, almost all bank deposits are deposits of businessmen and migrants; ordinary people rarely deposit."

Li Xian thought about it. Now Shangguo adopts a constant-value monetary policy, and this leads to a problem, because the currency is constant, so there is no interest in savings; even depositors have to bear a certain deposit handling fee and so on.

In this way, naturally no ordinary people are willing to deposit in the bank; most of the deposits now are made by merchants or people walking around.

However, with the opening of the transmission array, the performance of the bank is inevitably affected a little; but it is foreseeable that with the popularization of the transmission array, the bank will inevitably suffer a serious impact.

Li Xian thought for a while and said, "The next step in development will be banks, which will be the core, and will be the hub of China Unicom's capital market, individuals, the country, and a hub of wealth.

In this way, He Lin, you try to increase a little interest. That is, the deposit has interest; this interest is deducted from the loan profit.

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

In order to encourage loans, the loan interest needs to be reduced appropriately. Banks have also borrowed from the idea of ​​small profits but quick turnover for the time being.

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

He Lin was a bit distressed: "Xian Wang, now the interest rate of bank loans is already very low. If you pay interest on deposits again, I am afraid that you will be unable to make ends meet. Banks have to invest a lot of defense power every year, and these investments are not a small number.

Banker crying poor? Li Xian suddenly had a weird idea. But Li Xian also knows that He Lin is not crying poor, but really. This is the world of practice. There are many masters and many means. Banks have to invest a lot of resources for safety.

If it weren’t for the country to supply banks’ resources at all costs, maybe banks would now lose money. Of course, this is mainly due to the rapid expansion of commercial countries and the continuous expansion of banks in these years.

Over the years, Shangguo’s banks have spread across Yingzhou, Haozhou, and even the fertile land of China has Shangguo’s bank branches; indeed, a lot of resources have been invested.

Li Xian thought for a while and said, "He Lin, now that computers and mobile phones are becoming popular, bank cards can be tried to 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 the gold standard system, the circulation of money has gradually got rid of the influence of gold and silver. "

He Lin's eyes lit up: "Yin Wang, I know how to do it. If this thing is done well, the bank's investment in all aspects will suddenly drop by more than half!"

"That's good, banks are at the heart of Shangguo.

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

"What!" Li Xian said, everyone immediately stood still. After so many years of development, everyone can understand the significance of banks to a capitalist country; now Li Xian is actually preparing to allow private participation in bank construction. This is simply at the corner of an open country-come on, let's dig the wall together!

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

Perhaps these banks are not very powerful, but they do not add up to a bank in Shangguo. We need more allies; obviously, the citizens of Shang State are our natural allies, and many big businessmen in Shang State are rich.

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

There is a concept that everyone does not seem to understand, that is: the capital in circulation is called capital, and the speed of circulation is equal to the superposition and replication of capital invisible, which is equivalent to creating wealth out of thin air. "

Most people have black eyes, how can capital increase out of thin air? However, some people such as Fang Shijing and He Lin had their eyes shining and understood Li Xian's meaning.

After a brief meal, Li Xian continued: "Of course, although private banks are allowed to open, they must have strict supervision and even some necessary restrictions.

In this regard, it is necessary to formulate relevant laws and regulations. Is this... Gongsun no harm, you and He Lin and Fang Shijing consult to formulate a new banking strategy. "

"Yes." Gongsun took the order without injury, and was even a bit happy. As a legalist, he participated in the construction of the Shang State and witnessed the rise of the Shang State. This is a great honor.

It seems that Shangguo is about to start a series of new changes now, which makes Gongsun Wuheng very excited.

Li Xian looked around and continued: "The bank's business is like this first. Let's talk about the issue of the SAR.

Just now it was said that the SAR will be split into individual stocks and sold to the whole people. But this also involves many problems.

First, we need a more professional stock trading market. The stock market we built earlier has fallen behind, unable to keep up with the country's development and social needs.

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

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

(The new book "Falling the Galaxies" is rolling for support.)

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