(Sahua, Chapter 1111 Lala just writes about the direction of finance. Some time ago, everyone said that we should add a little bit of the issue of "peaceful development". Tianya thought for a long time and decided that it was not easy to master in a peaceful environment, because it was dull because it was not well written. Recently, I thought for a long time and finally found the trick. OO ha!)

At this time, not only Yan Ze'an, but many people were staring at Li Xian.

Although administration is in the hands of the Prime Minister, the soul of the Shang Kingdom is in the wise king.

When everyone saw it, Li Xian smiled slightly: "I think the wealth of building a special zone can allow private investment; the country only provides basic guidance and policies."

"Let the private investment be invested?" Yan Zean frowned, "Mysterious King, the private capitalists are smart now, so it is not easy to let them invest."

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

And this method is also very simple, that is,... the stock system is deepened and the financial system is extensive.

We can divide the special division into stocks and sell them to the whole people. In the past, most of our stock transactions were expensive, mainly because of the participation of nobles, rich people and experts. Now we want to continue to split the stocks so that ordinary people can also participate in stock transactions.

As far as I know, now 90% of the people in our country do not deposit their wealth in the bank, but put it under the bed. However, those who participate in stock and bond transactions in China only account for less than one percent of the market capital. This shows that the public has a great power and we also have a huge market."

"But it is not easy to get the people to invest this money!" He Lin said, "As of now, almost all bank deposits are deposits by merchants and mobile personnel; ordinary people have very few deposits."

Li Xian thought about it. Now Shangguo adopts a constant monetary policy, which leads to a problem. Because the currency is constant, there is no interest in savings; depositors even have to bear a certain withdrawal fee, etc.

In this way, naturally, no ordinary person is willing to deposit money in the bank; now most of the depositors are traders or people walking around.

However, as the transmission array is opened, the bank's performance will inevitably be affected a little; but it can be foreseen that with the popularity of the transmission array, banks will inevitably suffer a serious impact.

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

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

If a large amount of deposits and loans can be attracted, the bank's performance will also greatly improve.

In order to encourage loans, the loan interest needs to be appropriately reduced in the future. Banks have also temporarily learned from the idea of ​​small profits and quick turnover.

Originally, when we first started the bank, we had formulated three steps; now, it is time to start the third development plan."

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

The banker was crying poor? Li Xian suddenly had a strange idea. However, Li Xian also knew that He Lin was not crying poor, but that was really the case. This is the world of cultivation, with many experts and many means. Banks have to invest a lot of resources for safety.

If the country hadn't been supplying various resources for banks at a cost price, banks might have lost money now. Of course, this is mainly because the business country has expanded too quickly in recent years and banks have to expand continuously.

Over the years, Shangguo's banks have been spread throughout Yingzhou, Haozhou, and even Feitu Shenzhou. There are indeed a lot of resources investment.

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

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

"That's good, banks are the core of the business country.

Also, next I am going to allow private banks to be established.”

"What!" Everyone stood up as Li Xian said. After so many years of development, everyone understands the significance of banks to a capitalist country; now Li Xian is actually preparing to allow private participation in bank construction, which is simply in the corner of the open country - come on, let's poach them together!

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

Perhaps these banks are not very powerful, but they are not something that Shangguo can compete with. We need more allies; obviously, Shangguo citizens are our natural allies, and many big merchants in Shangguo are very rich.

Also, capital is the driving force for the progress of capitalist countries; and promoting the free flow of capital is also an important means to promote national development.

There is a concept that no one seems to have figured out, that is: the capital that is circulating is capital, and the circulation speed is fast, which is equivalent to the invisible superposition and copying of capital, which is equivalent to creating wealth out of thin air."

Most people's eyes are black, so how can capital increase out of thin air? But Fang Shijing, He Lin and a few others have their eyes shining, understanding what Li Xian means.

After a little pause, Li Xian continued: "Of course, although private banks are allowed, strict supervision and even some necessary restrictions must be provided.

In this regard, relevant laws and regulations need to be formulated, is this... Gongsun Wushang, you discussed with He Lin and Fang Shijing to formulate a new banking strategy."

"Yes." Gongsun Wushang took the order and was even a little happy. As a member of the Legalist, he participated in the construction of Shang Kingdom throughout the whole process and witnessed the rise of Shang Kingdom. This is a huge honor.

It seems that the Shang Dynasty is about to start a series of new changes, which makes Gongsun Wushang very excited.

Li Xian looked around and continued, "That's what the bank is doing first, let's talk about the problem of the SAR.

I just said that the Special Administrative Region will be divided into stocks and sold to the whole people. But this also involves many issues.

First of all, we need a more professional stock trading market. The stock market we built before has lagged a little behind and cannot keep up with the development and social needs of the country.

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

The name of the new city is 'Kingshan'."

(The new book "Reverse the Galaxy" rolls around and asks for support)
Chapter completed!