The weapon tycoon who traveled to Daqin

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At this time, Meng Yi was looking at the telegram sent from Zhao Guo.

"The operation of the bank? What does this mean?" Meng Yi looked at the strange telegram from Li Mu and said.

Meng Yi didn't know what Li Mu was thinking.He didn't know how Li Mu wanted the bank to operate and what to do.After thinking about it carefully, Meng Yi decided to tell the other party.At this time, Li Mu was at the gate of the Qin Union Bank.

"I've met the prime minister." Li Kai, the manager of the Qin Union Bank, saluted.

"There's no need to be too polite. I'm here, and Manager Lao Li." Li Mu said politely to Li Kai.

"The prime minister is worrying too much." Li Kai said politely.

"Please." Li Kai smiled and stretched out his hand to invite Li Mu, Li Zuoche, and Zhao Yu to come in.

"Is the bank of Qin State in Zhao State okay?" Li Mu asked Li Kai.

"Go back to Prime Minister, it's okay." Li Kai replied politely.

"Manager Li, don't be restrained, don't be restrained." Seeing Li Kai's restrained appearance, Li Mu said politely.

"To be honest." Li Mu then said to Li Kai.Li Kai nodded unnaturally.

"We came here to learn from Qin Guo Bank. I don't know. Does Manager Li mind this?" Li Mu asked.

"This." Li Kai didn't know what the purpose of Li Mu's coming here was.Therefore, it is not easy for him to agree immediately, so he seems a little hesitant.

"Manager Li, it's really nothing. I just want to know how your banks in Qin State operate. We also have banks in Zhao State at present, but the funds are extremely scarce. I want to know, do banks in Qin State have such problems? You guys How did you solve this matter?" Li Mu asked.

"So that's the matter." Li Kai said with a smile.As for the banking business, the banking industry is no longer a secret.Even newspapers in Qin State reported it, but there are some things in it that I still don't understand without explanation.

"Is it possible?" Li Mu asked Li Kai.

"Yes. Yes." Li Kai replied continuously.

"Oh. Then ask Manager Li to explain, we will study hard." Li Mu said.

"There is no need to study. Just explain it." Li Kai said.

"Actually, it's not too difficult to run a bank." Li Kai said to Li Mu.Li Zuoche and Zhao Yu listened to what Li Kai said.

"The profit of the bank lies in the loan. Qin State absorbs deposits, gives customers a certain interest, and then lends the absorbed deposits to people and enterprises that need a lot of funds. In this way, the interest given to them is higher than that of customers. Interest, the difference in interest, is what we want to earn." Li Kai explained with a smile.

"Oh." Li Mu nodded.After Li Kai explained it this way.Li Mu suddenly understood why Qin State had to absorb a large amount of deposits. It turned out that the absorption was to collect funds and then distribute them through centralized lending.This makes the bank profitable.

"Do you understand?" Li Mu asked the two of them.

"Understood." Zhao Yu said.Li Zuoche nodded.

"It's just that there is one thing I don't understand." Li Zuoche had already thought of the question he wanted to ask, so he asked.

"It's your capital. If you lend it out, it will take time to get it back, and it will take time to absorb deposits. How do you deal with it? That is, if I want to withdraw money, I also need to use it. So, how do you deal with it?" Li Zuoche asked.

Li Mu on the side heard such a question.Nodding again and again.For such a detail, Li Mu also thought that Li Zuoche thought very carefully.

"Is that so." Li Kai thought about the question raised by Li Zuoche.Although this question is very convoluted.It sounds annoying.But this is indeed a problem. At the beginning, Qin State also had such a problem, but soon, the people of Qin State solved this problem.

"First of all, we need to establish a deposit reserve. It is to pay customers who may come to withdraw money." Li Kai said.

"It's the Prime Minister of Qin's downgrade, is that what he's talking about?" Li Zuoche asked.

"Yes, this is the reserve fund." Li Kai said.

"For another question. The customers in Qin State put the money in the bank, and the customers who need loans, we provide him with the money, but his money has to be kept with us, and we will also give them A certain amount of interest, when needed, he only needs to issue a series of bills such as drafts and checks. They can be exchanged at our bank or other banks. After the exchange, we will, after the agreed time, Reconciliation is carried out, and the accounts between banks achieve the flow of funds in this way." Li Kai said.

"Is that so?" Zhao Yu said suddenly.

"Yes. From the perspective of Qin Guo Bank, only a small amount of funds are in circulation, and most of them are immobile. It is very troublesome for them to flow. We try to use bills. These are bills." Li said. To Zhao Yu and Li Mu, Li Zuoche showed Qin's money order and check.

Afterwards, Li Mu, Zhao Yu and the others had a detailed understanding of Qin's other management methods. These reasons opened Li Mu and the others' horizons.

In the prime minister's mansion.

"What do you think?" Li Mu asked the two of them after he came back.

"The Qin people's method is very good. In this way, we can use such a small amount of funds to carry out repeated loans." Zhao Yu said excitedly.In his view, as long as the bank keeps issuing bills, it will be fine.

"No." Li Zuoche said at this time.

"The method of the people of Qin is very good. However, our Zhao country has not been able to issue such a bill. The anti-counterfeiting method of this bill is far superior to any other anti-counterfeiting method. Moreover, the bills of the Qin people can be circulated and can be used anywhere Use, as long as people who travel have this kind of bill, they can go to the bank of Qin State to exchange it, but we." Li Zuoche said.

"We issued bills, but they couldn't be used in places other than Handan, Zhao State, and our bills couldn't be exchanged. This is a big problem for us." Li Zuoche said seriously.Li Mu nodded from the side.Then go back and forth.He very much agrees with Li Zuoche's opinion.The solution of the people of Qin State is based on technology, but Zhao State does not have such a foundation. As for papermaking, Zhao State has not done it well yet.How can it be done in anti-counterfeiting technology.and.The most important thing is that bills need to be circulated and can be remitted. Qin can unite with multiple banks to complete it through a bank alliance.But Zhao Guo, Zhao Guo doesn't have so many banks and institutions.In particular, institutions such as the Bank Union complete the final exchange business.

"In addition, Zhao Guo also has a big problem in absorbing deposits." Li Zuoche continued.

"Most people in the state of Qin have the habit of saving money, probably because they have a stable income, and their income is enough for them to save. However, we people in the state of Zhao do not have such a habit. Apart from not trusting banks, it is their income. , There is not enough funds to store up. This is the most difficult part for us.” Li Zuoche said.Li Mu on the side nodded after hearing this.He agreed with Li Zuoche's opinion.

"The situation of people in Qin is different from ours." Li Zuoche continued.

"Yes. That's right." Li Mu commented.

"The current situation in Zhao State is different from that in Qin State," Li Mu said.

"For example, the people of Qin can obtain deposits from their stable income. In addition, their wages are also managed through the bank. In this way, as long as there is a place to save money, the people of Qin can use their money. This kind of money can be used repeatedly, so their money is inexhaustible, but we... our situation is different." Li Mu said.

"Our mode of operation determines that our funds are very limited. Under such circumstances, what we can do is very limited." Li Mu said.

"At present, we should settle this matter. Otherwise, it will be very difficult to proceed." Li Mu said.

"I will order them to deposit the money in your bank, and then you will lend it to the generals." Li Mu thought for a while and said.

"For exchange." Li Mu said while thinking about walking.

"Let me discuss with Qin State to see if we can unite with Qin State's bank to carry out exchange. If this can be resolved, it will be the best." Li Mu thought that he could unite with Qin State to do this matter, so The funds of both parties can be circulated.The funds of the people of Qin can go to Zhao, and the funds of Zhao can go to Qin. This kind of circulation can bring great convenience.Li Mu thinks this is a good way.But Li Zuoche on the side was still a little worried, because he knew that such a matter could not be resolved at once, because there were technical differences and many operational differences. m

1791 The Wind Rises

"I can swear that what I said about the political party is true." Shangwen met Mo Lao in a cave, but Shangwen suspected that there was not only Mo Lao in this cave.Mo Li didn't come in, so Mo was alone.

"Is it true?" Mo Lao asked Shang Wen seriously.

"Yes." Shangwen nodded in acknowledgment.

"Then tell me what you think." Mo Lao said to Shang Wen.

"Okay." Shang Wenzheng had this intention.

"Qin's current politics is undergoing reform, and the purpose of the reform is to meet the needs of future development." Shang Wen said.

"You have also seen it. Qin's reforms have been very effective." Shang Wen said.