~Date: ~October 28th~

Even Liu Bin did not think about this issue carefully before. He only felt the benefits of incorporating the Xiliang army, but he did not expect the financial pressure! This cannot be blamed! Liu Bin's previous life was a soldier. The reason why he was able to develop so strong in this life was mainly because he was a time traveler and was foresighted by the development of history! Although Youzhou is developing very strongly now, many people can say that Liu Bin's civil and military talents are able to conquer the world, and his civil and civil can govern the country and the country. However, Liu Bin himself also knew that he had no talent in governing his internal affairs.

If he has any specialty, he can stand at the height of history and put forward some constructive opinions on Xun Yu and his policies, but let him govern himself, it will drive him crazy! Liu Bin can use some modern knowledge to develop some industry and commerce and prosper the economy at this time, and there is no problem with this. But if he also has his own unique insights on macroeconomic regulation, it is too embarrassing to him! He can be called a military strategist, but he cannot be called a financier and an economist!

So now that this issue is allowed, Liu Bin was a little at a loss! He smiled bitterly and said, "Mr. Wen Ruo said it well! This is indeed a big problem! Although the plan is good, many of our plans will be carried out in a short period of time. The financial pressure is indeed too great! Alas! This is also caused by my inadequate consideration!" After saying that, he began to frown and think about it! Now the areas occupied by Youzhou are developing steadily, the people are rich, and the taxes are sufficient. But there are not many places where the finances are rapidly increasing. As for Xiliang Yizhou and other places, they may not be effective in a short period of time! Do you need to increase taxes? This is not a good note! I really didn't expect that I was called rich and can compete with the country. Now there are times when I am short of money. C is a bit unworthy of the name! Alas! If you are short of money, what should I do? The best way is naturally to borrow! The best way in modern times is to borrow from banks! But there are no banks in this era!

Wait, bank! By the way, it’s the bank! In the top ten, even the government has no money, they borrowed from banks! Although there is no bank in this era, they can create one by themselves! You know that banks are a profitable industry! They are almost profitable! And now that the business in Youzhou is developing so rapidly, it is necessary to have a bank institution! Thinking of this, Liu Bin was a little excited!

He said, "Haha! Mr. Wen Ruo, since the financial situation is tight, then we might as well set up a bank!" Everyone was stunned when they heard this, bank? What is this? In this era, even money banks have not appeared, so they naturally don't know what the bank is! But everyone knows that Liu Bin often comes up with a new word! So everyone didn't make too fuss! Xun Yu asked, "Master! What is a bank? What is its main function? What is its use? Can the problem of financial tension be solved?"

Liu Bin smiled, organized the language, and said, "This bank! Well, it is actually to store the private money, and then we can use this money to borrow money for loans for those who need money in urgent need! Ordinary people deposit money in the bank, and we can give them certain interest. Those who want to borrow money from us will charge higher interest! In this way, the people can keep the money safe and profitable! And those who need money in urgent need of money also have a way to borrow money! We can earn a certain difference from it, and at the same time, we can also use this money, and the financial pressure in the links! It's a killing of multiple goals!"

Everyone was very interested when they heard this! This matter has never happened, and everyone doesn't know whether it will work! However, from Liu Bin's description, it seems to be profitable! However, Xun Yu still said very well: "My lord! Is this really OK? If we do this, it is equivalent to borrowing money from the people. Wouldn't that damage the face of our government? Moreover, the government borrowing money from the people is equivalent to saying that we have no money, which will cause riots! Moreover, the people are very strict in keeping their own money, how can they take the initiative to take it out? And those who want to borrow money, how can we ensure that the money can be safely recovered? If no one believes that if we don't come to the loan, what should we do?"

Liu Bin smiled and said, "Haha! Mr. Wen Ruo filtered it! We have been in Youzhou for many years. I believe that the people have already believed in us very much! As long as we can guarantee credibility, it will not cause riots! The idea will also be beneficial to the public security of the people! In fact, I am preparing to build this bank, not really for the money of the people among the people! But for the money in the hands of the rich! Everyone knows that our Youzhou industry and commerce are developing rapidly and money transactions are very frequent. But those merchants have to carry a lot of money to trade! This is not safe and troublesome! After we established this bank, they deposited the money in our bank and we sent them certain certificates. They can use this certificate to deposit money in banks in various places! In this way, when they are conducting business activities, they will be safe and convenient! I believe they will be very happy!"

Liu Bin smiled and continued, "As for the people who are unwilling to save money, it is very simple! The reason why the people are unwilling to take out the money is mainly because the money will be wasted! However, with the current credibility of Youzhou, the people do not know this! At the same time, the people are blindly obedient. As long as we start to mobilize and take the initiative to deposit the money into the bank, the people will follow them when they see it! No matter what, depositing the money in the bank is both safe and profitable.

The people will slowly take out the money they have in their homes! As for the person who borrows the loan, they need to find a guarantor and find something to mortgage to prove that they are able to repay the money, so that we are willing to lend him money! In fact, most of the people who I want to borrow need to develop industry and commerce, and they cannot turn over their funds for a while, or are preparing to expand their own industries! This is good for us! They borrow, and we charge interest. When their industries expand, we can charge more taxes!"

After hearing Liu Bin's words, everyone nodded and felt a little relieved! As such, it was indeed promising and worth a try! Liu Bin was so excited that he said: "In fact, although the industry and commerce in Youzhou are developing very prosperous now, the industries under my command, the industries of the Zhen family, and the industries of the Mi family, still stand in this very important position! We can now implement this plan for these industries that occupy a major position! With their example, others will follow! When the time is ripe, we can even clearly stipulate in our territory that a large amount of money must be carried out through banks! In this way, the unused banks will have no business!"

When everyone heard this, they nodded repeatedly! The reason why Youzhou can develop rapidly is mainly because of the property established by Liu Bin. The industries under Bin occupy a very important position in Youzhou, and the finances of Youzhou are also supported by Liu Bin's industry! The Zhen family is also a follower of Liu Bin and has grown up and occupied a very important position in Youzhou! If these leaders take the lead, they can indeed play an example! Other businessmen will do this when they see this! When this wind direction becomes a climate, Youzhou clearly stipulates that it will promote the development of banks, which will be much easier! Moreover, this bank can also stabilize the public security within Youzhou and avoid the trouble of other princes. It has an extraordinary effect, but it is not only effective in finance!

Thinking of banks, Liu Bin thought of some other industries! In modern enterprises, there are really profitable money, or even no money, in addition to banks, that is the insurance industry! So Liu Bin said: "In addition, we can also promote an insurance industry! If today is in chaos and chaos, merchants in the world are doing business everywhere, and they are likely to be robbed halfway, goods and money are robbed, and even their lives may be unexpected! We can let these merchants form a chamber of commerce, before these merchants set off,

As long as they want this institution to pay a certain amount of insurance, if they are in danger midway, they can get full compensation from the institution with the certificate! These people are driven by profit, and a transaction is a huge profit. They are definitely willing to pay insurance for insurance! This is to pay some money and buy safety! Although businessmen may encounter danger, not everyone will encounter danger, so even if we give full compensation to those who are in danger, it will be a big profit!"

Liu Bin used to be a military strategist and rarely interfered in internal affairs. Now he uses his knowledge of traveling through time and space to guide these subordinates. The more he talks, the more he implements the seal, and the more he talks, the more he feels accomplishment and superior he speaks! So without waiting for everyone to react, he continued: "Like some bulk transactions, they can even apply for the protection of the army! As long as they pay some fees for the army, we can use the army to protect them along the way! The insurance industry can be said to be omnipotent. As long as it is profitable and really beneficial to the people, we can do anything! As long as the banking and insurance industries develop, although we have to do more and the money spent is huge, our finances will not be tight! And this is also very beneficial to the public security of our territory! In the process of unifying the world, these methods can also quickly calm the hearts of the people. After peace in the future, these things can continue to proceed!"

After hearing Liu Bin's words, everyone was amazed, and they didn't know what to say! They were already very confident and even admired Liu Bin. Now it was a huge problem, and Liu Bin actually solved it easily while talking and laughing. Moreover, this method was of great benefit to future stability and prosperity. Everyone was admiring, and there was nothing to say! Xun Yu was also very impressed by Liu Bin's method! But no one had done these things before, and they didn't know what the effect would be! So out of caution, he was a little bit, so he said: "Lord, the method you mentioned sounded very useful! But no one had done this before, and the subordinates didn't know whether it was feasible for a while? And these things would definitely not be perfect at the beginning. There would definitely be loopholes in it! What should I do if it is useful?"

Liu Bin shook his head and said, "These are not problems! No one did it before, which does not mean it is really not feasible! We in Youzhou have done many things that people have not done before, but will not succeed in the end? Don't worry, I have confidence in this method! It will definitely work! But what you said is right! Any new thing will have loopholes when it starts, and it is not very perfect! People don't understand these new things and don't know how to operate, and they will definitely be in a hurry, so that many artificial misses will occur.

Hole! Well! I think this is how! In the past two days, I will make a comprehensive plan to analyze the operations and operations of these two industries in detail! After you understand it, you will slowly implement it in our territory! At the beginning, it is best to just run it in a small scale to see what the effect is. Then find a way to improve these loopholes and gradually implement all our territory based on the initial experience! I think this step by step will not cause any major problems! Mr. Wen Ruo, what do you think?"

After hearing this, Xun Yu nodded happily and said, "It is of course the best thing to do with the lord's advice. Well, the lord's method is very feasible! Although we have many major things to do, these things are not required to be completed within one day! So at the beginning, our finances will not be under any major pressure! Just within this time, we should implement the lord's method. When the finances may be tight in the future, this method should have worked! At that time, the finances will naturally not be under any pressure! Since that is the case, then follow the lord's plan! But we have to trouble the lord and sort out the planning letters for these two industries as soon as possible. The subordinates and others know nothing about it. We also need to understand them as soon as possible!"

Liu Bin nodded and said, "Don't worry about this! I already know it in my mind! It can be formulated soon! But there is a point that Mr. Wen Ruo should pay attention! These two industries cannot be intervened at the beginning! Our Youzhou government must come forward! When this industry starts to operate and the system is improved, it is proven to be feasible, and private intervention will be allowed! Those families want to run banks and carry out insurance industries, and they must wait until later! Before this, no one must intervene! Otherwise, severe punishment will be punished! Even if they are allowed to intervene in the future, they cannot let them do it. We must find those who are capable and reputable to agree to intervene! This will ensure the interests of the people!"

Liu Bin's, it's not unreasonable! The banking and insurance industries are both profitable industries! Those families and businessmen are people who pursue interests, and for the sake of interests, they won't worry too much! Before these two industries are truly improved, if they are asked to check rashly, they will definitely do anything for the sake of interests! By that time, it will not only harm the interests of the people, but also affect the normal development of these two industries. It will also cause Youzhou to suffer great losses in both respect and money! Of course, Liu Bin would not want such a thing to happen, so he specifically reminded Xun Yu!

Xun Yu nodded after hearing this. Liu Bin's, he could understand it. He didn't want this kind of thing to happen, so he said, "Don't worry, lord! My subordinates will definitely pay attention! There will definitely be no mistakes!" Liu Bin thought for a moment. In order to confirm Binyi, it is better to make clear provisions on the law! Youzhou's laws are implemented well. As long as the laws are perfect, they can be perfected in the system! It will not work with this person's efforts! So he said, "Well! It's better to formulate corresponding laws and regulations in this regard. Make regulations from the system! In this way, no one will act rashly! When I formulate planning books for these two industries, I will also formulate some corresponding laws and regulations. When you are experimenting, you will also play some of these laws and regulations and improve them!"

Xun Yu nodded and said yes, expressing his understanding! At this time, Liu Bin breathed a sigh of relief and said, "Okay, this problem has finally been solved! Everyone, do you have any other opinions?" Jia Xu stood up and said, "Master! The problem of financial tension in Youzhou has been solved now! But you have not mentioned the fundamental problem yet! The reason why we discuss this problem of financial tension is caused by the incorporation of the Xiliang army. Now that the problem of financial tension has been solved, how will the lord treat these Xiliang army? Should we incorporate them according to the method Li Su said? Or will we refuse to incorporate them and make arrangements outside? The situation is tense, so please make clear as soon as possible! The subordinates and others can also have corresponding countermeasures! Otherwise, it will change later!"

Jia Xu was right. Liu Bin and the others were a bit of a waste of money when they did this! They were originally discussing how to deal with the problem of the Western Liang army, but suddenly the car arrived at Cai Heng’s nervous problem. Now the problem of financial tension has been solved, but the problem of the Western Liang army has not yet made a decision! Financial tension is only a problem that may be encountered in the future, and how to deal with the problem of the Western Liang army is the problem that cannot be solved at the moment!
Chapter completed!