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Chapter 31 Banks

[Small modification: There is a small error in the above article. The price of the sword bar is too low. Thanks for the opinion. Modified to 700 high-grade spiritual stones; the initial quotation was modified to 1000.]

[Some people say they hate Liu Xinyu. That’s right. Because Liu Xinyu is a representative of politics, and the author himself doesn’t like this character.]

(I'm a bit stuck today, sorry.)

Why? Why do you want to disclose the technology?

Liu Xinyu looked directly at Zhang Hao, with strong doubts and deep vigilance in her eyes. As for what Zhang Hao said about the industrial revolution, Liu Xinyu just had to simply understand that it was good for the country, and that was enough. But for

Zhang Hao wanted to disclose technical issues, but Liu Xinyu remained vigilant.

You know, Liu Xinyu just used a similar method against the Danyang Kingdom. The method was to give away 15 boxes of pills to the Danyang Kingdom for free. The result was that it directly intensified the internal conflicts in the Danyang Kingdom. This is fishing! The bait seems to be free.

Yes, but there is a cold fishhook and a long fishing line behind it.

Now, Zhang Hao, are you planning to use this method domestically?

As a monarch, the first thing Liu Xinyu thinks about is national political issues; not social progress. No matter how enlightened the monarch is, as long as he sits in that position, the first thing he has to consider is his own butt. If he can't sit firmly, who is special?

It doesn’t matter how the country develops. Only when you are firmly established can you consider the issue of national development.

Therefore, Liu Xinyu watched the industrial foundation all night, and her reaction was most intense to Zhang Hao's decision to disclose the technology.

Yes, industrial technology, industrial revolution, industry and commerce, etc., are very effective for the current Qixia Kingdom; but this premise is that it cannot threaten the rule of Qixia Kingdom and cannot threaten the interests of the royal family.

Once it affects the interests of the rule and the royal family, it will be embarrassing, no matter how much benefit you have to the country.

Zhang Hao looked into Liu Xinyu's eyes and explained calmly, as if he didn't care at all: "There are two reasons.

The first is the market. The market needs to be cultivated.

To give the simplest example, the steam turbines we produce are very expensive. Why should others buy them? Because they... can use them! Why can they use them? Because they also have certain technical background.

So far, all the steam turbines we have sold have been to companies that have visited Zhangjia. They know how to use steam turbines and what their value is.

If they don't know, don't understand steam turbines, and don't know the value and use of steam turbines, they won't buy it.

In the entire market, in the entire West of the Fertile Continent, and even to the extent that Qixia Country’s commercial influence may expand in the future, we need to let them understand the technology first before we can sell our products.

There is also a second one, which is the domestic foundation.

Taking the smelting of Zhangjiaxuan iron as an example, we need to purchase charcoal, bamboo charcoal, crushed spiritual stones, etc. When the technology further develops in the future, we can outsource the processing of some parts.

In fact, the Zhang family is already a little overwhelmed now. Taking the giant steel ship as an example, we need to make iron, steel, produce profiles, produce artillery, turbines, and various components; in order to build the ship, we also need to produce corresponding equipment, etc.

Finally, shipbuilding can begin.

This entire industry chain has exceeded the burden of the Zhang family.

I hope that some non-core businesses can be transferred to other companies as soon as possible. By then, the Zhang family will be able to reduce unnecessary manpower and fully focus on high-profit, high-tech industries such as shipbuilding and shipping.

The trading houses that have obtained new technologies can fully produce a certain product. They can keep the price to the lowest and the quality to the extreme. In addition to providing materials for the Zhang family, they can also provide materials for the entire country.

If there are 100,000 such specialized trading firms in Qixia Country in the future, then if Your Majesty wants to build a battleship, he only needs to purchase raw materials from various trading firms across the country and assemble it. Perhaps a steel battleship can be assembled in a dozen days!

If there is such a day in the future, the Kingdom of Qixia will build hundreds or thousands of steel battleships to...conquer the world!"

Go conquer the world! This is the cake Zhang Hao drew for Liu Xinyu!

Zhang Hao knew very well that it was too tiring to reason with Liu Xinyu. He might as well draw a pie for her.

Sure enough, Liu Xinyu's eyes brightened instantly. But she still asked cautiously: "If this is the case, won't the Zhang family lose a lot of interests?"

"Isn't there a patent law?" Zhang Hao turned to look at a steam turbine that was being produced in the distance and said with a faint smile, "As long as others use the Zhang family's technology to produce equipment, they must pay the Zhang family's patent fees.

The Zhang family does not need to produce, it only needs to license the technology, which is enough to make huge profits!

Your Majesty, the combination of technology and patent law will greatly promote the development of Qixia Country.

Perhaps His Majesty has noticed that industry and commerce are completely different from the agricultural system of the past. Industry and commerce can greatly create wealth. Some ores that no one cares about have turned into giant steel ships after many technological changes.

In this process, the value increased tens of thousands times! Hundreds of thousands times! We turned sand into wealth!

These values ​​come from technological progress!

Similarly, if Qixia's domestic technology explodes, then we can create a country like a pearl!"

This time Liu Xinyu finally turned her attention to the production base below, looking at the scene of machines producing machines. Zhang Hao's words, combined with this scene, left an indelible impression on Liu Xinyu's heart:

We turn sand into wealth!

These words shocked Liu Xinyu greatly.

Yes, we turned sand into wealth. We turned the iron ore almost everywhere into black iron, into steel, into magic weapons, spiritual treasures, and even artillery and steel battleships!

After a while, Liu Xinyu asked: "How do you plan to spread the technology?"

"The Chinese New Year will be celebrated in less than two months." Zhang Hao spoke slowly, feeling a little unspeakably melancholy about celebrating the Chinese New Year. He had to celebrate the Chinese New Year in this world.

But after a short pause, Zhang Hao continued: "I am planning to hold an industrial and commercial expo before the New Year. At that time, the Zhang family will invite businessmen from all over the country, and even from the Western countries in the Fertile Continent, to visit and trade.

I want to set up the first expo in Guangling County. It just happens to be the site of the imperial capital in Guangling County."

Liu Xinyu thought for a while, and suddenly said with a little bit of playfulness: "This place is not for sale!"

Zhang Hao smiled: "I'm not planning to buy it. Such an expo will be a window for the country to the outside world. It is impossible to create a perfect expo solely relying on the strength of the Zhang family or Dayang Group.

This is what I think. The Ocean Group and the country will jointly set up an industrial and commercial expo, facing the entire fertile continent of the West.

The state provides policies, laws, protection, venues, transportation, national influence, etc. Dayang Group provides funding, planning and management, etc.

His Majesty can also take the initiative to invite other countries to participate.

The profit of this expo is secondary. The most important thing is that it serves as a window for the country of Qixia to display to the outside world, laying a foundation for the development of domestic industry and commerce to go global! This is where the real benefits lie."

Speaking of the national development level, Liu Xinyu immediately understood. She nodded slowly, "This thing sounds good. Let's do this. You make a simple plan and plan, and I will go back and think about it. I will reply to you as soon as possible."

"OK."

The two of them walked outside while talking. When they came outside, they saw a well-positioned hilltop in the distance with half of the cliff cut off, and three large characters of more than thirty meters had been carved on it:

Oasis Port!

Zhang Hao looked at these three words and suddenly thought deeply: I had been thinking about what the name of the bank in this world should be. At this time, Zhang Hao had a name in his mind: Green Boat Bank!

Green Boat, a boat of wealth carrying hope, will lead everyone on a new development path.

Also, after repeatedly considering and comparing names such as 'bank, bank, money bank, gold bank', Zhang Hao found that the name 'bank' was the best, smooth and meaningful.

Whether it's a bank or a money bank, it's too direct. If you use "gold bank" and so on, regardless of whether it is smooth and smooth, gold is too expensive and not close to the people. In comparison, "bank" is more suitable.

Therefore, Zhang Hao decided to change the name of the "Industrial and Commercial Administration Bureau" to "Green Boat Bank".

Zhang Hao rushed a plan and handed it to Liu Xinyu, and Liu Xinyu left; but before leaving, Liu Xinyu took a look at the giant ship being built and the locomotive that had just appeared.

For the giant ship, Liu Xinyu expressed concern; for the motorcycle... the queen took one look and left, her eyes full of disapproval.

The Queen thought this way: This locomotive is so heavy and it needs to be laid to run on railways. It is too luxurious. This is not a giant ship and can go to other countries. It seems that this locomotive can only circle in the country now. And the country is not

How many things need to be transported by rail?

Therefore, the Queen does not see the value of the railway for the time being. But the Queen did not say anything. Since Zhang Hao likes to toss and waste money, just go ahead and do it. When you hit a wall, you will naturally understand. Well, the Queen feels that Zhang Hao is taking it for granted.

, a little overwhelmed.

In short, the Queen is generally satisfied with the first stop of her tour across the country. She also agrees with many of Zhang Hao's opinions. The only thing she can't deny is the railway; but the railway also consumes the foundation of the Zhang family and Dayang Group.

, Liu Xinyu didn’t say anything.

The Queen then transferred to Daoninghe County and continued her inspection.

The purpose of the inspection is not only to see local development, but also to see the implementation of new laws and the situation of the people; the most important thing is to promote the majesty of the royal family and the rights of the country!

The new governor of Ninghe County is Feng Donglai, who was once Liu Jingming's personal guard and a peak Jindan master who was responsible for the military affairs of Ninghe County.

Feng Donglai took several major officials and went all the way out of the city to meet Liu Xinyu. Watching Liu Xinyu appear from a distance, Feng Donglai had some indescribable excitement in his eyes, but he quickly suppressed it. Several months passed.

, the status gap between the two has become completely unbridgeable.

Feng Donglai could only hide the love in his heart deeply.

Ever since the last time Liu Xinyu was taken away by Ouyang Qingque to get married, Feng Donglai almost collapsed. At that time, he hated himself because he was not in the stage of becoming a god.

Now that he saw Liu Xinyu again, Feng Donglai's mood was so complicated that outsiders couldn't explain it!

Liu Xinyu just talked to Feng Donglai in a very formulaic manner, without any special expression. Liu Xinyu understood Feng Donglai's mood and little excitement, but there are actually many such people. The most important thing is that Liu Xinyu is different from ordinary girls.

, she is the queen.

The status of the empress made Liu Xinyu inevitably more utilitarian. She admired Zhang Hao because Zhang Hao had made great contributions to the country. But Feng Donglai... was not even in the Nascent Soul stage, and his contribution was really limited.

In Liu Xinyu's mind, she naturally divided people into four levels: useless, useful, of great use, and indispensable. Feng Donglai could only be regarded as 'useful'.

Liu Xinyu inspected Ninghe County, especially focusing on the industrial and commercial development here.

Thanks to the development of Zhangjia and Dayang Group, as well as the success of navigation, the industry and commerce here are very active. Nowadays, even many people sell their own fruits, grains, etc.

Ninghe County's currency attracted Liu Xinyu's attention. Due to the advancement of black iron technology, the black iron coins in the past continued to depreciate; now, the purity of Ninghe County's black iron coins has reached 70%!

The value of 70% pure black iron is almost five times that of 60% pure black iron. In other words, the black iron coins in Ninghe County have depreciated five times in value!

But the chaos did not happen, because Zhang Hao started the "big release" mode. Coupled with the development of industry and commerce, the income of the people here increased rapidly. This in turn promoted the development of local industry and commerce. Coupled with the influence of navigation, this kind of thing is brewing here.

Some kind of transformative force.

But when Liu Xinyu paid attention to the currency of Ninghe County, Zhang Hao had already begun to seriously consider building a bank.

Unlike Dayang Group, Zhang Hao remains vigilant and rational enough about the future central bank. The bank is a double-edged sword, both sides are sharp.

There is no doubt that banks contribute to the development of industry and commerce; but banks are also ruthless and even cruel in their harvesting of industry and commerce.

By controlling loans, banks can push an excellent company to a dead end, acquire it at a low price, and then package and sell it. In this process, the bank can obtain more than ten times, dozens of times, or even more crazy benefits.

After this situation, banks have become the biggest obstacle to social progress. However, banks involve the interests of most of the society, which is simply difficult to overcome. It can be said that at this time, banks have become a straitjacket for society, firmly binding the entire society.

It's locked.

Now that he had the opportunity to plan for the future, Zhang Hao wondered if there was a way to solve the bank's problems in one fell swoop. But Zhang Hao stood on the beach and kept thinking until sunset, but he could not come up with a perfect solution.

Zhang Hao was thinking, but no one bothered him, or no one dared to bother him. Until Zhou Xueyao was invited out by everyone.

Zhou Xueyao walked gently to Zhang Hao's side and stood side by side. She leaned lightly on Zhang Hao's shoulder and said softly: "What are you thinking about?"

"I'm thinking about our future!" Zhang Hao put his arm around Zhou Xueyao's shoulders and gently sniffed the beauty's faint fragrance. His mind, which had been racing all day and night, finally calmed down.

Holding Zhou Xueyao and sitting down at the beach, the two of them watched the sunset over the sea. Zhang Hao slowly expressed his thoughts: I thought of a new way of bank development, but this new way of bank development may bring

Come to a more severe future.

Banks are not charitable institutions. The way banks promote and incubate industry and commerce is to lend money. But lenders may not necessarily be able to develop, and there may be fraudsters, so banks must have enough ability to stop losses. But since there is such a

Ability, it is inevitable that banks in the future will raise their butcher's knives.

Zhang Hao cannot keep an eye on the bank. So Zhang Hao wants to put a tight spell on the bank at the beginning of its development.

Having said that, Zhang Hao said with some emotion: "Currently, the bank can only make nine out of ten and return thirteen times at most. But if according to my imagination, after the bank develops, it may be ten out of ten and fifteen returns, or even more. Even more.

This will bring down the lenders.”

Zhou Xueyao leaned on Zhang Hao's shoulder and said softly: "I don't quite understand what you are saying. But I think I can take charge of this bank for you."

Zhang Hao held Zhou Xueyao's hand a little harder, "I don't want you to be exposed to these aspects. In fact, chemical research and medical research are more important. I'll think about the bank matter again."

Zhou Xueyao responded softly, leaned on Zhang Hao's shoulder, and watched the sunset slowly set together. The sunset pulled the two figures long, long, and disappeared into the distance.

After a while, Zhou Xueyao suddenly said: "I think, the bank matter... we have considered it complicated. The sun has set, and nothing remains unchanged.

Now we only need to leave a warning and an internal clean-up system."

Zhang Hao shook his head.

"Isn't that right?"

"No, one thing remains unchanged. That is my love for you... Hey... why are you pinching me?"

"I like!"


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