"Mr. Marquis, what are the instructions for Awaken Kun to come?"

After Yang Kun came in, he saluted, Fan Caiying greeted a few words after serving tea, Chen Xu's face slowly became serious and said, "Now the Chinese money house is getting bigger and bigger, with more branches, but various things are getting more and more complicated. If this continues, the money house will become more and more chaotic. After inspecting the money house, the Japanese Marquis wants to split the money house affairs and split some of the affairs that should have been court and handed over to the Shaofu for disposal. Therefore, he called you here to ask you what good plans do you have!"

Yang Kun held his beard and thought for a long time, nodded and said, "What the Marquis said is that Fan and Yang Kun had discussed this matter, but Kun was mainly responsible for preparing the construction of cement roads across the country, and did not have the extra energy to think about this matter. Since the Marquis asked, Kun also felt that it would be better to clarify the matter of the money house as soon as possible, because the funds in exchanges were too large and very messy, and it was mixed with the court, which was not good for the future development of the money house and required a lot of manpower and material resources. But how to clarify Kun felt a little unaware of it. Marquis would like to tell you your opinion. Kun and Fan were responsible for checking the gaps!"

"Didn't you say nothing?" Chen Xu was amused and crying.

"Hehe, this money shop is the pioneering move of the Marquis. How can Kun compare with the Marquis? Those who are capable should work harder. As long as the Marquis come up with a method, the rest of me and Mrs. Fan will naturally make arrangements and will definitely not let the Marquis worry!" Yang Kun bowed with a dry smile.

Faced with Yang Kun's refusal, Chen Xu actually knew that this kind of thing made them difficult to find a way. Yang Kun's strength is that he has a deep understanding of business and has strong operating capabilities. Dongfangdao's heavy and complex things have made him manage them in an orderly manner. Not to mention that the construction is completed within a year, there are almost no mistakes in the middle. There are no comparisons in this business control ability in the world. At least among the people who defect to Chen Xu, Yang Kun is the most sensitive and sensitive business person, and he is also very steady in his work. Therefore, the purpose of Chen Xu's recruitment was not to make him think of a solution, but to continue pushing him up and handing over the divided affairs to him to handle.

After all, the Huaxia Money Bank was planned and organized by Chen Xu. Even if many of the businesses were to be separated and handed over to the Shaofu and the court, this person not only needed strong abilities, but also obedient. Otherwise, once these businesses were out of control and fell into Li Si's hands, it would be very inconvenient to handle many things in the future.

"This is what I think, you see..." Chen Xu took the few pieces of paper he had written before Yang Kun came and spread it on his desk. "Although the Huaxia Money House is now divided into three departments: the liquidation center, the commercial center and the government center, it is still in the money house. In fact, such a large number of affairs are finally settled at the money house headquarters. In fact, it is only a little clearer at most. However, if this continues, it will greatly consume the energy of the senior management of the money house, and it will also consume the money house's financial resources, material resources and manpower. My husband's idea is to completely separate the government center from and form a finance office and hand it over to the court's jurisdiction. In the future, taxes and court income and expenditure will be coordinated with the government office and the county government offices of the three provinces, six ministries, counties and government offices. The money house is only responsible for helping to deposit and collect loan funds and return to the original function of the money house..."

"Mr. Marquis has a good idea!" Yang Kun's eyes lit up and nodded repeatedly.

Fan Caiying was also beautiful and shining with her eyes, "Once the court is divided, the pressure on the money house will be half as easy as possible!"

"In addition to the court, there is also a liquidation center. This should actually be the most pressure on money houses at present, because the funds exchanges between a large number of counties across the country need to be summarized and liquidated, not only the court part, but also the private commercial part. Because the accounts are too complex, the amount of funds involved is too large, any small negligence or error will lead to huge financial safety risks. Therefore, this Hou's idea is to prepare another central bank..."

"Mr. Marquis, it doesn't make much sense to open another money shop. People have to arrange for these matters!" Yang Kun said.

"Yes, if you open another money shop, you need to prepare again, and it may be even more chaotic!" Fan Caiying's beautiful eyes also revealed doubts.

"What I mentioned in the central bank is actually not a real bank. In fact, it can only be regarded as an independent liquidation department. It can be called a liquidation bank. It is similar to the headquarters of the Huaxia Bank. It does not open any external bank storefront, but its function is not just liquidation, but rather regulates the operation and management of all bank houses in the world, that is, formulates rules, and at the same time supervises the issuance and recycling of coins and the circulation of tickets. To put it bluntly, this bank manages physical bank houses and will not have any capital circulation. This bank is above all commercial bank houses!"

"The Marquis's meaning is probably understood by Caiying. It is a new court government that regulates and manages all capital transactions in the world, and can even settle a large amount of capital transactions between different commercial banks and the Ministry of Revenue and the Shaofu!" Fan Caiying stood up in surprise and looked at a piece of hemp pulp and paper written by Chen Xu.

"So that's it. This central bank is called a bank. In fact, it doesn't care about money, it only cares about the circulation and exchanges of funds!" Yang Kun followed Chen Xu for a year or two and was originally a clear-headed business genius. Although he doesn't involve finance on weekdays, he has been dealing with China Money Bank for a long time, so he quickly understood the truth.

"Yes, that's it. This central bank is actually a separate government office. In order to ensure the safety of funds, this bank is not a government office of three provinces and six ministries, and is directly under the jurisdiction of the emperor. It can be regarded as the wealth center of the entire Qin Dynasty. It integrates the issuance of minting and redemption, the operation and liquidation of commercial banks, and completely divested the liquidation business of commercial banks. Moreover, this bank can also issue treasury bonds based on some large-scale national projects to make up for the insufficient fiscal budget of some projects!"

"What is a national debt?" Yang Kun and Fan Caiying looked at Chen Xu at the same time.

"Treasury bonds are state debts. On weekdays, a businessman wants to run a business, but lacks money. What should I do? Then I find a loan from an individual or a bank, and use credit and physical objects as collateral. This is ordinary private debt. But for example, Daqin wants to build a huge project like Dongfang Road. The Ministry of Revenue and Shaofu cannot support such huge expenses. In the past, this hou relied on fundraising and relied on the high returns of Dongfang Road to attract merchants and wealthy people to invest. In this way, merchants dare to invest large amounts of funds to solve the financial difficulties. But it is impossible for every national project to have such huge returns. For example, what should I do if I want to build irrigation reservoirs and ditches and other people's livelihood projects without any profit? In the past, Daqin recruited civil servants and prisoners and the court used tax grain to support it, but what should I do if the country's tax grain was not supported enough?

? Then you can only delay, but the longer some things are delayed, the more unfavorable it will be for people's livelihood development. What should I do? Then the court can issue state bonds, which is actually equivalent to a delayed redeem, that is, such redeem cannot be withdrawn immediately at the bank, and it will take several years to do so. In order to ensure that the redeem can be enough to attract wealthy merchants to exchange cash at the bank, the interest rate of such redeem must be set higher. For example, at present, there is no interest in the Chinese bank's redeem, and only deposit money can interest. This kind of redeem is actually a certificate of deposit that can be withdrawn regularly. The interest rate is much higher than that of ordinary deposits. In this way, many merchants and wealthy merchants are willing to deposit money into the bank, and the court will use this money to complete the project. After a few years, the court has the ability to pay and slowly accept these redeems..."

Chen Xu had a little understanding of the treasury bonds in later generations, because in fact, there were treasury bond investments in many financial projects in later generations. A large number of monetary funds would invest in treasury bonds to ensure the stability of the fund and also ensure a relatively stable return. Since Chen Xu lost all his shorts when he lost stock trading, he bought some monetary financial funds at the suggestion of a friend. Although the returns were not too high, they were much safer than stock trading. Therefore, treasury bonds were almost the favorite investment project of all commercial banks and financial institutions in later generations. Moreover, every time the treasury bonds were issued, ordinary people could not buy them at all. They were soon exhausted by commercial banks and financial units, and then used treasury bonds as collateral to develop more financial derivative products. They were dazzling, and ordinary people were completely in a fog. If they were accidentally fooled, they would be bought into commercial insurance and could not even cry.

Of course, Chen Xu's purpose is not to fool people to buy insurance, and he does not intend to carry out insurance business, because he does not have the energy and there is no need. His main task is to completely separate the three different functional departments of the central bank and the Ministry of Finance, so that the commercial ones belong to the business, and the imperial courts belong to the court. He cannot let a commercial bank assume the will of the state. This situation is very dangerous.

As Chen Xu told him, Yang Kun and Fan Caiying were both excited, and their eyes were filled with various emotions.

Especially Yang Kun, if he had an axe in his hand, he might be unable to help but split Chen Xu's head to see if there was a white-bearded old man hidden inside.

With such an incredible method, the chaotic situation in the Huaxia Money House was analyzed clearly and clearly in a few words.

And once implemented, the money bank will have very clear functions and positioning at the national level and at the commercial level in the future.

For the next half day, Chen Xu discussed the division of the bank at the headquarters of Huaxia Money House with Fan Caiying and Yang Kun, two of the most important business assistants. After returning, both of them wrote a detailed plan based on Chen Xu's proposal and combined with their own ideas. Chen Xu was not idle either. He spent five days discussing and discussing with the two, and then summoned the supervisors of the three departments of the money house, the imperial court stationed in the money house and the officials of the Shaofu Mansion stationed in the money house to discuss.
Chapter completed!