In the somewhat narrow room, Zhang Hao stretched himself hard and looked over the plan in his hand. After making sure that there were no problems, he took the plan and walked towards the main hall of the City Lord's Mansion.
This small office is a room vacated by the City Lord's Mansion. For the time being, the City Lord's Mansion in Ninghe County has become the temporary companion capital.
In the blink of an eye, it has been three days and the situation has basically stabilized.
After the previous big explosion in the Kingdom of Jinyang, it was not only the casualties of 178,000 soldiers, but also the serious impact on morale. In addition, the Kingdom of Jinyang is still playing a puppet circus, preparing to consolidate the occupied areas
, but for a while it was unable to continue sending troops.
Liu Xinyu also seized the time to rectify the situation and strive to implement new national politics as soon as possible during this war-torn time.
However, in the past three days, there have been too many things making a fuss. For example, whether the country of Qixia is considered subjugated, for example, Liu Xinyu killed his brother to seize power, etc., etc., etc., have spread all over the place.
In particular, many of the original families and nobles of the Kingdom of Qixia not only defected to the Kingdom of Jinyang, but most of them also turned against them to show their 'sincerity'.
Many times, people who rebel will be more cruel to their former comrades - they need this to prove their sincerity and show their loyalty.
Therefore, these nobles and families used their influence to spread rumors. For a time, the public opinion in Qixia Country was in chaos.
Those who surrendered early, no, surrendered early, and laughed at those who surrendered late. Moreover, when the Kingdom of Jinyang was dealing with it, there was indeed a gap between the two sides.
There are many rumors saying: The Kingdom of Qixia has returned to the hands of the second prince Liu Hong. It is useless to stop resisting. Some also say that the Kingdom of Qixia has been destroyed, and that the Kingdom of Jinyang is invincible.
They even said that Liu Dingshan was seriously injured and escaped, and that Liu Xinyu made all kinds of slanderous remarks.
There was also an edict issued by the new emperor Liu Hong, ordering various places to express their stance quickly.
But no one knows that during this process, Liu Xinyu and Zhang Hao, through the reach of the industrial and commercial class, the intelligence power of Yeyue Tower, and the intelligence system of Qixia Kingdom itself, have made detailed considerations of personnel from various places.
In the past few days, the performance of each family has been recorded on Liu Xinyu's desk.
Zhang Hao came to the hall with the plan, and Liu Xinyu was discussing some details with everyone. Seeing Zhang Hao coming, Liu Xinyu immediately gave a soft smile: "I haven't seen you show up for three days. Is the plan ready?"
"How can I? I just laid out a framework. The details need to be discussed by Your Highness and everyone."
Liu Xinyu smiled even happier: "Okay, tell me, let's discuss it together."
Zhang Hao took out the plan and put it in front of Liu Xinyu, and he started to explain it eloquently. To develop industry and commerce, it must be "open". The situation of being self-conscious in the past should be avoided as much as possible.
Of course, if others are willing to take it out, compensation must be provided. Therefore, the patent law is imperative. The proposal of patents has long been implemented in the Black Iron Guild, the Weapon Refining Guild, and even within the Dayang Group. So Zhang
Hao also gave a lot of detailed suggestions.
Secondly, there are laws, taxes, transportation, currency, etc.
Finally, there are related support policies. Currently under the control of Qixia Kingdom, there are still half of Anling County, complete Ninghe County, Nanyang County, and Xingchang County. Although there are no particularly large families in these places, they still have
There are many small and medium-sized families, sects, etc.
Of course, these families cannot be beaten to death with a single stick. Zhang Hao proposed a 'support plan'. The Xuantie Guild, the Weapon Refining Guild, or the Dayang Group will provide certain technical support and guidance, plus the encouragement of the country, as soon as possible.
Transform these family sects into industrial and commercial classes.
In fact, many families and sects have some skills of their own, and most of them have more or less business experience - otherwise, what would the family do? With a little guidance from the state, these families can transform into the industrial and commercial class.
There are also a large number of private small and medium-sized commercial banks, most of which do not have their own core technologies, so the state should give them certain support and encourage them to develop technology and become self-reliant.
And among all plans, the most difficult one is probably money.
The rest of the discussion went smoothly, but when the currency issue was finally discussed, disagreements occurred. To be precise, everyone did not agree with the currency system proposed by Zhang Hao.
The traditional spirit stone-based currency system has been used in the spiritual world for tens of thousands of years - to be precise, spirit stone currency has been used since the beginning of historical records.
Perhaps in Zhang Hao's view, there are many shortcomings in using spirit stone currency. But over the years, society has been constantly improving itself. The spirit stone currency system has been deeply rooted in people's hearts. The power of habit is really powerful.
Now if the Lingshi currency system is suddenly overthrown and any banknote system is introduced, I am afraid it will be difficult to gain market recognition.
Liu Xinyu considered the words for a moment before saying slowly: "Zhang Hao, I think... your plan is good, but the step is too big. The Lingshi currency system may have the problems you mentioned, but for the time being, the issue of banknotes is
The time is not ripe either.
I think we should come up with a more compromise plan."
Zhang Hao immediately said: "I really have a compromise plan here, but there may be some problems."
"Tell me."
"Your Highness has not forgotten the Industrial and Commercial Administration we established when we issued loans earlier."
"Of course!" Liu Xinyu smiled, "We just decided to disband three days ago."
"I want to buy it. To be precise, I want to buy it on behalf of Dayang Group."
Liu Xinyu frowned: "Now that the Industrial and Commercial Administration has nothing, and it has been cancelled, what can you buy?"
"No, Your Highness, the Industrial and Commercial Administration still has a certain value. For example, the bonds of five million high-grade spiritual stones that have been issued."
Liu Xinyu's eyes flashed a little, "The reason why I dissolved the Industrial and Commercial Administration Bureau is because of these bonds (I am going to default on the debt). What, do you have any ideas?"
Zhang Hao shook his head slightly: "Your Highness, the most important thing in industry and commerce is credibility! Therefore, these five million war bonds cannot be broken. Even for those families who have surrendered to the Kingdom of Jinyang, the bonds in their hands cannot be ignored. We must
Keep your promises.”
Liu Xinyu suddenly became angry: "They have all betrayed, betrayed! Why should I pay them back their debts!"
For some time now, Liu Xinyu has been completely disappointed with these aristocratic families, so Liu Xinyu does not want to repay the bonds of these families.
Zhang Hao gritted his teeth a little, and Liu Xinyu finally showed her feminine and emotional side. Zhang Hao slowly explained: "Your Highness, in business development, credibility comes first. We must let others believe and believe in us, and then
Only then can we gain everyone's recognition. Only then can our business truly develop.
If our business wants to develop, we must not only take care of the country, but also consider foreign countries.
The biggest difference between the industrial and commercial class and the aristocratic class in the past is that the aristocratic class is closed, while the industrial and commercial class is open and circulating."
Liu Xinyu blinked. She obviously didn't understand, and Zhang Hao's introduction was also very general. But it didn't matter, the queen understood the general situation, "Because some bonds have not been sold out, the Industrial and Commercial Administration currently owes 4.5 million yuan in debt every month."
Spiritual stone. What can you do if you buy it?"
"With the power of Ocean Group, I am ready to try to implement a banknote currency system. And the current Administration of Industry and Commerce has enough influence."
"No matter how great your influence is, it can't be worth 4.5 million in bonds, right?"
Zhang Hao stretched out a finger: "The price I am planning to buy from the Industrial and Commercial Administration Bureau is a spiritual stone."
"A... spiritual stone? Are you kidding me?"
Zhang Hao smiled and said: "Plus the value of the bond that His Highness is not prepared to repay."
"What do you mean?" Liu Xinyu frowned slightly.
"We divided the 4.5 million bonds into two parts. One part is owned by the families who have defected to the Kingdom of Jinyang, and His Highness is not prepared to repay this part. We call it 'A'. The remaining part is called 'B'.
Among them, Dayang Group is prepared to repay part A on its behalf. This part is also counted as Dayang Group's bid to purchase the Industrial and Commercial Administration Bureau.
The remaining part B will be repaid by the state."
Liu Xinyu looked into Zhang Hao's eyes and asked slowly and somewhat oppressively: "The price of Part A's bonds exceeds 800,000 high-grade spiritual stones. Are you sure you want to do this? What are the interests of Dayang Group?"
Don't tell me that you are supporting the country for free.
Now that I have started to get in touch with the industrial and commercial class, I also understand the principle of ‘don’t start early without profit’!”
Zhang Hao still smiled calmly: "Your Highness Mingjian. I plan to change the Industrial and Commercial Administration Bureau into an existence similar to a bank. Of course, this involves great risks, and I am not sure whether it will succeed. But if it succeeds, it may be able to
change the world.
But now I only have a vague idea, and I’m not too clear on how to do it.
Therefore, I would like to apply to His Highness that the Industrial and Commercial Administration will not collect taxes in the future, and it will be permanent. Even if it turns into something similar to a bank in the future."
Liu Xinyu thought for a while and asked seriously: "If it really develops into a bank, the country must collect taxes!"
"Well, my idea is that it is similar to a bank, but it is a non-profit institution. Of course, for the operation of the institution itself, there may be slight benefits. But it is definitely not the profit of a bank. This profit will be huge.
Low very low.
I want a relatively free currency management institution. Its biggest role is not to make profits, but to promote the development of the country and the development of industry and commerce.
In the future, it will provide loans, support national wars, support group development, support research on magic weapon formations, etc. And the interest will be as low as the limit, or even no profit.
We will never charge more than three cents of profit like the current banks do!"
Liu Xinyu looked at Zhang Hao. The two looked at each other for a long time. Liu Xinyu finally nodded slowly: "I believe you, but only temporarily. I can give you a promise. If you do what you said,
Then the country will never collect taxes in the future. But if you can’t do it...don’t blame me for being ruthless!”
"clear."
The monetary system failed to pass the meeting, but it fell into the hands of Zhang Hao.
After returning to his office, Zhang Hao smiled, but not with pride, but with confidence. Zhang Hao was ready to build a bank, but Zhang Hao was not ready to build a bank with huge profits.
The role of a bank is not to make money. Its biggest role is to balance the industrial and commercial system, promote the development of industry and commerce, provide loans to enterprises in need of development, and important scientific research that urgently needs funds, and promote their progress. Rather than harvesting.
Another development of the world's banking industry is based on the harvesting of real industry and commerce. Banks control the life and death of enterprises by controlling loans, and finally use loans to harvest enterprises. Therefore, banks are prosperous, but real industries are devastated, so that the country
weak.
Zhang Hao is not going to follow the old path. Zhang Hao wants to build a pure bank in the true sense, a bank that controls wealth instead of being enslaved by wealth.
Another point is that because this world has always used spirit stones, in a sense, spirit stones are a constant-value currency. Therefore, the currency of this world must also adopt the concept of constant-value currency for the time being.
Zhang Hao thought for several months and finally found an entry point for establishing a world bank of spiritual practice - the Industrial and Commercial Administration.
The reason why Zhang Hao insists on the Industrial and Commercial Administration Bureau, which was disbanded by Liu Xinyu's order, is not the office, but the "name" of the Industrial and Commercial Administration Bureau. This "name" is not a name, but influence, a reputation.
Points represent a 'right direction'.
Zhang Hao will use the bond repayment process of the Industrial and Commercial Administration Bureau to launch his first shot at banking.
Almost unconsciously, Zhang Hao took out a 'card' from the storage ring. The card was similar to the size of a bank card, and in the center was a formation similar to a Bagua chart.
This is the 'formation base' of a multi-faceted infinite array. Its main body is made of high-grade steel, with a thickness of one millimeter, a length of 80 millimeters, and a width of 50 millimeters, which is close to the golden ratio.
Such 'cards' obviously cannot be regarded as banknotes in the strict sense, but due to the rules of the spiritual world, they can only be flexibly modified.
Right now, a card like this is worth 100 spirit stones.
Under the leadership of Zhang Hao, the Zhang family has mastered the relatively mature method of making Hunyuan Fine Gold.
In fact, after a new study by Huang Mingshan and others, Zhang Hao was surprised to find that Hunyuan Fine Gold requires the most black iron, red copper, and a little lead, zinc, tin, etc. as the blending solvent. And the demand for fine gold and mithril
It's a pitiful little amount, one percent is enough. It's more like a catalyst.
The Hunyuan Fine Gold that has been improved by the Zhang family is more effective; as long as the proportion of copper is properly blended and a little polished with fine gold is added, the finished Hunyuan Fine Gold will have a pure color and can almost easily resemble the real gold.
Zhang Hao feels that this kind of Hunyuan Fine Gold is a strange compound. It is a compound based on the spiritual energy and neutron level; it is not a compound of electrons and protons. But the specific details need to be studied in depth. Now
There was no trace of the periodic table of elements, and Zhou Xueyao had just understood the concepts of elements and atoms.
Playing with the card gently, the smile on Zhang Hao's face gradually grew:
Now that we have industry, commerce, and currency, can the future be far away?
(Second update, a 4,000-word chapter, please vote.)