Chapter 199 Fixed Demand Deposit

Su You had been waiting for this day for a long time, and had been crushed by Su Shi for a long time. At this time, he naturally sided with Academician Zhang and despised Su Shi together. He was so shameless that he could never forget it.

After laughing for a while, Zhang Shu got down to business: "Chief Longshan proposed that there are many hilly areas on the fourth road that can be developed. My father's intention is to start from Meishan and see the results in a few years. Meishan Jiangqing, official

I am a loyal and loyal person to the country who has been granted the title of Jinkou. I am here to ask you for help."

Cheng Wenying said: "We feel that Jiang Qing's non-participation in this matter is the greatest support for Chang Shi and the prefect."

Zhang Shu raised his eyebrows: "You really don't want to participate?"

Shi Dongxiu smiled and said: "Chang Shi, we can't control whether the squires will participate or not, but our Jiangqing family in Meishan City has decided not to participate."

Zhang Shu said with a smile: "I used the heart of a villain to save the heart of a gentleman."

Su You asked: "Chang Shi, are the financial resources of the prefecture and county alone enough?"

Zhang Shu sighed and said: "My father's intention is to use two years to make the mausoleum self-sufficient and create a model before promoting it. Although the state and county finances say that they have been doing well for more than a year, however...

It’s still a bit reluctant.”

Su You asked again: "It's going to be a cold spring in central Sichuan this year, and rice will ripen a month later in various places. Is Chang Shi ready?"

Zhang Shu said: "Changpingcang..."

Cheng Wenying smiled: "Chang Shi, if your father were here, you would definitely not say this."

Zhang Shu cupped his hands and said, "Mr. Cheng, why is this? Isn't Changpingcang set up for this purpose?"

Cheng Wenying said with a smile: "Changpingcang was not set up for disaster relief, but to stabilize grain prices, not only to prevent low grain prices from hurting farmers, but also to prevent rising prices. Although it is somewhat related to disaster relief, the severity is different."

"If you don't believe me, you can ask Ambassador Cang if he dares to take this risk for you just because of a bad spring. In my opinion, he doesn't have the courage, unless he has your father's handwriting."

Zhang Shu couldn't help but grimace: "Mr. Cheng, you still said that you won't participate. Is it okay if you don't participate?"

Cheng Wenying said with a smile: "Chang Shi, let's each pay our own responsibilities. The development of the Lingjing public land is the business of Chang Shi. As for how to help farmers during the lean period, how about Jiang Qing solve the worries for the county magistrate?"

Zhang Shu said happily: "Mr. Cheng, is there anything that Jiang Qing needs the state and county to do?"

This is asking for quid pro quo.

Cheng Wenying said: "Actually, it's nothing. The prefectures and counties made a lot of money from well services last year. Do you think we can keep our Sitong Bank for a while? On the one hand, it can make some profit, and on the other hand, it can be considered as money for the prefectures and counties.

If retail investors set an example, it will be much easier for the three prefectures and counties to coordinate, since they are all Xianjing Salt Banknotes anyway."

Zhang Shu was a little unsure: "That's it?"

Cheng Wenying smiled and said, "That's it."

Zhang Shu said: "This is the treasury. Mr. Cheng, even if it is deposited in the bank, it cannot be tampered with."

Cheng Wenying smiled and said: "Of course it won't be moved. Not only will it not be moved, there will be a small increase every month, and that is interest."

Zhang Shu was puzzled: "Then...then didn't you lose money?"

Cheng Wenying smiled and said: "It's no loss, Mingrun, why don't you explain it to Chang Shi."

Su You held up his hands and said: "For a long time, this move can strengthen the confidence of retail investors in depositing their assets into banks. Banks can absorb more idle funds and turn small ones into big ones."

"Investment in salt wells is worth millions of dollars. Although we know that the output will be huge, ordinary people cannot do it. Even the Jiangqing family has to combine the efforts of several families. However, it is not impossible to do this."

"By turning small things into big ones, we can pool funds. When the salt wells are opened, part of the proceeds will be used to pay interest and principal, and the rest will be turned into profits. It can certainly be done."

"Xianjing salt banknotes are based on the amount of salt in Lingjing. This is a guarantee to avoid absolute situations such as runs and the inability to pay."

"But if half of this fund goes to the court, it will be divided into two. If the bank has an injection of state deposits, even if it is left there without moving, it will be good for the family."

"When the amount of daily deposits and withdrawals is roughly the same, at the daily end of the day, the bank's cash does not actually change much, but the amount of transactions in and out can be greatly increased because of the government's deposit of this deposit.

.”

"The stock of salt banknotes in a bank is like a pond, called a cash pool. The money flowing in and out is like water flow, called cash flow. The larger the cash pool, the greater the cash flow. This is what my in-laws thought.

The purpose is to allow the state government to deposit deposits into banks.”

"Although the deposits in the state capital are not fixed, they can increase the amount of cash flow, thereby meeting the needs of Meishan depositors. In this way, the money controlled by Jiang Qing can be freed up and invested in their respective industries. In the hope that

Generate greater revenue.”

Zhang Shu felt as if he had seen another world: "So, the state capital can also do this!"

Su You handed over his hands and said: "Of course, but the state government's duty is to manage the government and the people, and make decisions about right and wrong. The so-called governance of the country is based on the rules, and the interests of the people are the basis; there are rules in politics and religion, and it is about ordering behavior. If there is an incident between the bank and the depositors

If there is a dispute between the government and the depositor, who should make the decision?"

"Therefore, the role of the government should be to maintain political and religious relations, issue orders and prohibitions, and serve as the final bottom line to maintain local stability. It should be a referee and supervisor. If you personally participate in economic activities, you will lose your status as a referee and supervisor, which will make things worse.

The people have no credibility, this is choosing the small and losing the big."

"Xueshi Zhang's original intention of turning questions into taxes is to allow the transfer department and the court to withdraw from the participants and become referees and supervisors to ensure the fairness and justice of commercial activities, so that businessmen can operate with confidence, and further promote commercial prosperity.

.”

"There are few people in the four roads. Only when commerce prospers can people's livelihood prosper. Is this the essence of Zhang Xueshi's governance of Shu?"

Zhang Shu slapped his thigh: "What a wonderful argument! If my father were here, I'm afraid he would make Mingrun his confidant! Then according to Cheng Gong's proposal, I will persuade the prefect to deposit the Xianjing salt banknotes in the prefecture and county.

Enter the bank!"

Shi Dongxiu said: "Chang Shi can also estimate the daily expenses of the state capital and divide the deposits into several parts. One part can be deposited and withdrawn at any time, which is called current savings. This part has a lower interest rate; the remaining part will probably not be used in the short term.

Yes, you can deposit it and withdraw it in one year, withdraw it in two years, and then withdraw it when it matures. This part becomes a regular period, and the interest will be higher accordingly."

Zhang Shu said: "What if I need to use regular money?"

Shi Dongxiu said: "That's called early withdrawal, and the interest will be calculated on a current basis."

Zhang Shu thought for a moment and didn't think there was anything wrong with it. He nodded and said, "It's up to Jiang Qing to help the farmers in Meishan overcome this year's difficulties. As for the opening of fields in Lingjing, I naturally have no other choice. This time, let's join hands and do a good job."

Act!"

Cheng Wenying chuckled and said, "I will obey Chang Shi's orders."

The plan for the new year is gradually taking shape, and the longevity lantern has also entered the final debugging stage.

With a "bang" sound, the radiance of gas lamps lit up the entire hall of Huiyuan Building, and the sound of jingling and urgent music started.

Su You adjusted the small power brake knob on the lamp and slowed down the rotation speed. Soon, the music changed from fast and noisy to slow, calm, harmonious and sweet.

Eight Niang clapped her hands, smiled at Twenty-seven Niang and Wang Fu and said, "Listen, the three-part chord is really nice to hear."

The other two girls also smiled and nodded.

Su You rolled his eyes secretly, "You three are so relaxed, you almost exhausted me to death!"

But this is a hole you dug yourself, and you can only fill it yourself.

The effect of strong light does not end there. Not only is the headlight itself dazzling, the pattern animation on the light is also projected onto the surrounding walls, forming a movie animation effect on the wall, giving everyone in the hall a sense of

The magical experience of swimming in a painting.

A faint fragrance of borneol lingered in the hall, getting stronger and stronger.

Cheng Wenying finally woke up from his obsession: "What's going on?"

Su You smiled and said: "Alcohol is the best solvent for dipterocarp, have you forgotten?"
Chapter completed!