"Bank? What is this? Why have I never heard of it?"

"That's right, there's this steamship, and this court discussion is in vain."

“…”

When Zhao Xu mentioned the bank, the ministers started to discuss it.

Zhao Xu smiled. Of course, only a few people know the core secrets of steamships.

It is normal that other ministers have never heard of it.

As for the bank, it was the first time he mentioned that, including Liu Fu and Yang He, he also knew nothing about this matter.

So he said, "You will understand in other words, this bank is equivalent to a money house."

"So it's a money house."

"But the name of the bank is appropriate.

“…”

The ministers whispered.

"But, why do we need to build four different banks?" Yang He asked at this time.

Zhao Xu continued to explain, "Of course, it is because of their own functions. In the future, Royal Bank will be responsible for regulating and interfering with the development of industrial and commercial industries in Dasong, and has the right to mint coins. The three major banks and all banks that may be established in the future will be governed by Royal Bank."

"The commercial bank is responsible for giving money to merchants, supporting merchants to open up trade outside, and establishing commercial banks."

"Construction, as the name suggests, is to make money for various construction projects and workshops in Dasong, and the Agricultural Bank naturally supports agriculture." Zhao Xu tried his best to explain in language they could understand.

After the north settles, what needs to be carried out is comprehensive and large-scale development.

Regarding Dasong's development model, he insisted on taking the royal family industry as the core, leading the Dasong economy, and assisting private industry and commerce, actively activate Dasong's business environment, and at the same time, it is based on agriculture.

The three major banks will provide loans to individuals involved in trade, industry and agriculture, support them in business activities, establish workshops, set up farms and grow cash crops.

Of course, this money ultimately requires interest.

However, he would ask Royal Bank to set this interest very low to support Dasong's economic development.

In addition, he will also open the production of some commercial goods to the public.

For example, it is allowed to establish light industrial workshops such as folk spinning workshops, weaving workshops, glass workshops, and cement workshops.

However, in order to prevent the leakage of craftsmanship, when opening the workshop, he would enshrine patent rights in the Great Song of the Law.

Only merchants who pay money to buy patents allow them to use the corresponding craft to build workshops, and violators will be punished.

"But in this way, wouldn't the benefits of the royal family be reduced?" Zhao Xu explained.

At this time, Yang Feng showed a confused look.

Yang He smiled and said, "Duke Yi Guo was wrong. If a merchant wants to build a workshop, he has to pay money to buy patents, and he has to pay money to buy land, build workshops, and even buy steam engines. When they produce it, the court can still collect taxes from them. It seems that the royal palace is at a loss, but in fact it is the royal palace that made money."

After pausing, he continued: "And their troubles are equivalent to revitalizing many workshops. Building workshops requires cement, cement requires mining limestone, and even buying steam engines. One or two such workshops are just overwhelming. If there are all states, counties and counties in Dasong, the orders for steam engine workshops will be too busy. More steam engine workshops and more cement workshops. Dasong industry will also be stimulated and develop greatly..."

Yang He's saliva flew everywhere.

He specialized in commerce in the Government Affairs Department, so he naturally understood the policies that Zhao Xu would implement.

Yang Feng shook his head, and still had a slight understanding. He said, "Since coming to Yanzhou, the old minister really feels that he has become an old antique."

The ministers who came from Jinling behind him felt the same.

Originally, they were a little dissatisfied with the officials in Yanzhou and the King of Yan.

But after a day in Yanzhou, they finally realized that it was impossible for Yanzhou to achieve what he has today without the King of Yan and his officials.

So they gradually became verbal insects. The King of Yan and his officials said whatever they said, and their ignorance was revealed.

Even after these days, Emperor Zhao Heng lost his temper towards his ninth son.

When chatting with them, I once said that today, only the King of Yan can eliminate the power clan and unify the world.

"Duke Yiguo doesn't have to belittle himself. You can learn about these things by going to the government affairs school." Zhao Xu said with a smile.

Then, he turned to Liu Fu and Yang He and asked Xu Lie to hand over a booklet to the two of them. "This records the specific responsibilities and position composition of the four major banks, as well as the plans for Dasong's next industrial and commercial development. You can strictly implement it according to the above."

This is the economic development blueprint he compiled in his spare time in the evening.

If implemented, various workshops will bloom everywhere in Jiangbei.

Relying on the people to develop the economy in war also requires active participation of the people.

Otherwise, only the royal palace industry will be like a stagnant pool.

Once private industry and commerce become active, Jiangbei's industrial output value will increase rapidly.

The increase in industrial output value will bring about material abundance.

The living standards of the people will naturally rise.

At the same time, the workshop will also provide a large amount of employment, so that the people can earn a penny of their income.

Only in this way can people become rich and the country be strong.

However, there is one thing that can easily overcapacity if you do this.

Once the goods are saturated in Dasong, they must be exported to other markets.

The output of goods is exchanged from overseas markets to huge profits.

These profits will make Dasong richer and richer.

Therefore, while launching the industrial and commercial development plan, he must find a way out for Dasong products in the future.

At present, most of the world's markets are controlled by the Western natives.

If he wants to enter these markets, it will inevitably cause a bloody storm.

Before World War I, Germany was even suppressed everywhere because it quickly became an industrial power but had no matching market.

After all, once the workshop has no profit, the workshop will go bankrupt in large quantities, the development of industry will stagnate, and the lives of the people will become difficult again.

If he wants to win the overseas market, he must have the guarantee of a strong military force.

So, he said to Chang Wei and Yang Feng: "Take aside this time, we should put on new military uniforms for all the soldiers of the royal family."

After pausing, he said, "Also, for a long time, the lieutenant of the Prince's Mansion has led 500 people and the lieutenant of the Prince's Mansion has led 10,000 people. The difference between them is too much. I think the rank of the army should be reset."

"In the future, ten people will be teamed, one team leader, thirty people will be used as flag leader, one flag leader, one hundred people will be used as general flag, five hundred people will be used as capital, one capital leader, one battalion commander, three thousand people will be used as university commander, five thousand people will be used as a guard, one guard commander, one guard commander, one guard commander, one guard commander under the commander, one guard commander, one guard commander above the commander, General Zhenwu will be appointed above the commander, two to five guards, and the entire army will be led by the general." Zhao Xu said in contemplation.

This setting is compared with the contemporary military system settings.

The team is in mail, the flag is the platoon, the general flag is the company, the battalion is the regiment, the school lieutenant is the brigade commander, the guard commander is the division commander, the commander of the commander of the army, and the general Zhenwu is the commander of the army.

The general is the Grand Marshal of the Army.

After such a fine division, the personal army of the royal palace will be more flexible in the future.

At the same time, this is also a preparation for the future upgrade of firearms.
Chapter completed!