Opening game, American Tycoon

Chapter 999 Tools to Master the World (First update, please subscribe)
In a foreign country tens of thousands of miles away, it is definitely a very joyful thing to meet a fellow villager. Even if it is half of a fellow villager, it can be regarded as having an acquaintance.

What's even more rare is that they actually went the same way.

So after going all the way, Qiao Zhiyong became acquainted with this Li Youan, and after learning that he worked in a bank, he chatted with him about the bank with great interest, and Qiao Zhiyong told him why he came to Daming after chatting. reason.

"...So, in the past two years, I have always had the idea of ​​changing Dade Tong into a bank. After all, compared to the tea house, the business of the bank is more durable."

Seemingly flicking the cigarette ash casually, Li Youan took another puff and said.

"So, it is Mr. Qiao's ambition to open a bank?"

"more or less!"

Run a bank!
That was Qiao Zhiyong's long-cherished wish. There are so many bank accounts in Shanxi, and money from banks is not like running water, so the idea of ​​running a bank has been buried in his heart for more than ten years. This time he came to Daming to investigate Fan, and then back to Shanxi to set up a bank.

"The bank."

After a pause, Li Youan took another puff of cigarette, thought for a while and said:
"I don't see any future for this bank!"

"Mr. Li, what you don't know is that China is different from Ming Dynasty. The domestic silver taels are not only of different fineness, but even the weight of each tael is slightly different. Banks only rely on silver taels for exchange, and the profits are immeasurable."

To Qiao Zhiyong's explanation, Li You'an just nodded without denying it, and then said.

"I know that China's currency system is chaotic. There are no less than a dozen kinds of Caoping, Guanping, and Fukuping in terms of weight. The difference between high and low is more than 5%. As for the fineness of silver, from 90% to 98%, the fineness is messy. , there is no rules, so doing business in China involves the exchange of various silver taels, and the bank earns this money. Someone said that if you bring ten taels of silver, you will go in and out of the bank several times in Xuzhou, and there will be no more than one tael left. The huge profits of the bank can be seen. , but because of this, Mr. Qiao thinks, how long will the imperial court with such a chaotic currency system tolerate it?"

Qiao Zhiyong was taken aback by Li Youan's answer, he said.

"Isn't this the same rule for thousands of years? Silver tael, isn't it just silver tael?"

"The rules must be changed when the rules are not perfect. At present, the new dynasty of Shenzhou has been established, and a new policy will definitely be promoted. The reform of the currency system is inevitable. After all, the so-called state affairs are nothing more than finances. Reforming the currency system is not only conducive to industrial development, but also beneficial to the economy. Trade, the most important thing is that the court can also benefit from it, so it is imminent for Shenzhou to implement "abolishing the two and changing the yuan". At this time, it is definitely inappropriate for Mr. Qiao to want to set up a bank."

As a bank manager, Li You'an is very clear that China's "abolishing the two and changing the yuan" is imminent. It's not something they want to change or not, but they must change.

""Abolish the two and change the yuan"? How can Guochao act on such a major event?"

Qiao Zhiyong couldn't help being a little suspicious.

"Some things must be changed. Mr. Qiao, the general trend of the world is like this. Those who follow will survive, and those who go against will perish. If China wants to be prosperous and strong, it must rectify its finances and establish a modern financial industry!"

Modern Finance!
Li You'an's words made Qiao Zhiyong stunned for a while, and he asked.

"What is modern finance? Is it a bank?"

Facing Qiao Zhiyong's question, Li Youan smiled.

"Haha, the bank...is just one of them. In this way, if Mr. Qiao is interested, you might as well visit Nanhua Street, which is the financial center of the empire!"

The financial center of the empire?
It is not in the central capital of the empire, nor in the former capital Yingtian, but in Nanhua.

In fact, when Ming Dynasty made Yingtian its capital city, it considered whether to make Yingtian the "center", which of course also included the financial center of the empire, but this proposal was rejected by Emperor Zhu.

There's no other reason—it's not necessary.

In Emperor Zhu's view, the capital is the capital as a political center, and there is no need to move banks and insurance companies to the capital in order to become a financial center.

It is also because of this that whether it is Yingtian or Zhongdu, it is government agencies that move. As for financial institutions and commercial enterprises, they all flow naturally. Nanhua and Yingtian still maintain their prosperity until now, which is directly related to this. relationship - the relocation of the administrative center did not have much impact on the local economy.

The most notable example is Nanhua. Although a large number of government agencies moved to Yingtian more than ten years ago, Nanhua has not been in depression, and has even become more prosperous than before. Nanhua, with a population of just over 300 million, is The well-deserved largest city of the Ming Empire, even Ying Tian couldn't compare with it.

Where is the center of the city?

Is it Suzaku Avenue?

Maybe that street is the main road of Nanhua and the most prosperous place, but in fact, the center of the city is Eighth Street.

Eighth Avenue is the most "old" street in Nanhua. It appeared on the drawings as early as 20 years ago. When this street appeared in front of the world 18 years ago, the first building was the Nanhua Bank. Since then, the fate of this street has been doomed. Since then, various financial enterprises such as banks, insurance companies, and stock exchanges of Daming have gathered here, and it is now known as "the financial center of Daming".

Among these institutions, the most eye-catching one will always be the Daming Imperial Bank—the Daming Imperial Bank. Its predecessor is the Nanhua Bank. To a certain extent, it is the central bank of the empire.

But this bank is... royal, not imperial.

On this day, in the roof office on the 28th floor of the Imperial Bank, Hu Guangyong, the president of the Daming Imperial Bank, was sitting in a leather armchair. He glanced at the report in front of him again, and whispered to himself:
"It's about time..."

This report is a report that the Imperial Bank will fully participate in China’s “abolishing the two and changing the yuan”. According to the report, the Imperial Bank will provide 4000 million yuan in loans to support the “abolishing the two and changing the yuan”. Highly tied together.

This is also part of the "integration of China".

Of course, in this process, the Imperial Bank will also get extremely rich profits. After all, the annual interest rate of 7.5% is extremely generous, and the interest rate on Daming's external debt financing is only 3.5%, and its domestic debt is only a mere 3%.This is directly related to the national credit. In countries with good credit, the interest rate of international bonds is low, and vice versa. The interest rate of international bonds in the United Kingdom is only 3%, but it is as high as 5% in the Roman Empire. Sometimes national credit is really high. It's very important.At least in international credit, if there is no good credit, the cost of credit will increase significantly.

But the most important thing is not profit, but the Imperial Bank will directly participate in China's financial reform through China, and even control China's finance, so that the financial industries of the two countries can truly integrate.

For the country, it may be the financial integration of the two countries, but for the bank, the most important thing is not the integration, but in this process, the tentacles of the Imperial Bank will penetrate into all aspects of China.

Thinking of this, the words His Majesty often said appeared in Hu Guangyong's mind.

"To master finance is to master the world!"

(End of this chapter)