The weapon tycoon who traveled to Daqin

"Generally speaking, our banks are not ready, or they are not doing very well. They are just simple mortgage loans, and they have not participated in the start of factories and trade. If they do so, it is very difficult. It is not conducive to the further development of Qin State Bank." Shang Wen said.

"Keep talking." Meng Yi wanted to know what Shang Wen thought of.

"In my opinion, a bank has two functions. At the very least, it should have these two ways of making money." Shang Wen said.

"One is lending. The other is investment. Qin Guo Bank is doing very well with the former. It does a lot. But the latter is very bad. Few banks take the initiative to participate in the operation of enterprises. , or they take the initiative to invest and participate. In other words, they lack a strategic investment." Shang Wen said.

"They depend to a large extent on their government, the country, but they do not take the initiative to fight for it. The former does have certain risks, but compared with the risks of the latter's active investment, they cannot be compared. They need to rely on themselves For example, the iron and steel plant in Zhao State, if they have iron, the next step is to build a steel plant, which requires equipment and market assessment, but Qin State’s banks have not actually done this The point is that they didn't grasp this opportunity very well. Wenyang Bank was simply expanding its own base, but they didn't have too much knowledge about the specific business competition, business operations, or how much profit the projects brought could bring. After calculation, such funds are extremely scattered, and have no practical significance with a great strategic effect." Shang Wen said to Meng Yi.

"What does the prime minister mean?" Meng Yi asked.

"Increase another function of Qin Guo Bank, which is the function of investment. We want to see the powerful side of Qin Guo Bank's further development and growth." Shang Wen said.

"This." Meng Yi was still a little vague.But Shangwen has already found his answer.At present, the development of banks in Qin State is relatively scattered. It can be said that there is no such giant as the Royal Bank and Wenyang Bank with a strong overall entity, but they are only big in size and chassis power. It doesn't make much sense at all.Shang Wen is very clear that such banks are still commercial banks, and their business is only on lending, not commercial investors. Qin is in a special stage of capital export, and Qin's banking business is only on lending , Such a demand simply cannot meet the development needs of various places.

The railway needs not only bank loans, but also investment, the development of commercial companies, the Western Regions, the northern regions, and Nanyang, etc. The expansion of capital requires Qin Bank to do more, but the bankers of Qin State Some are intimidated.They dare not take a step beyond, fearing that the risk threatens them.As a result, a good opportunity was missed, and Shang Wen keenly captured such an opportunity.In this regard, Shang Wen was extremely dissatisfied with the behavior of the bankers, because it was a strong blow to Qin.

"Okay. Let's talk when we go back." Shang Wen and Meng Yi got into the car together.Molly followed closely behind.

"Tell me quickly. What do we need to do, and how should the bank develop?" Meng Yi asked a series of questions.

"Hmm." Shangwen just hummed, then nodded, as if he had made a major decision.

"Qin State needs consortiums. Large consortiums. The current commercial banks can no longer meet the needs of Qin State." Shang Wen made a major decision.

"The consortium." Meng Yi looked at Shang Wen and asked.

"Yes. What Qin needs are financial groups, large financial groups, and only these can meet the needs of Qin and other countries," Shang Wen said.

The State of Qin really needs consortiums, and only consortiums can break through the current unfavorable situation.Qin's banking function is very weak in terms of investment, and the consortium is not only in the banking business, but also an important point, that is, their investment function.The biggest feature of capital export is investment. They not only master technology patents, but also the amount of funds in their hands. Only with funds can they make investment, and only after investment can they further transform their technological advantages into investment.Qin has a lot of good things, but countries generally have no funds to talk about, and it is difficult to use banks to drive them, because they can't catch them, or they can't do this. This requires the Qin Bank to complete the role of investment , to complete such a role is to upgrade their functions.This is the function of venture capital, and there is only one way to resist such risks, which is to form a large-scale consortium to carry out effective analysis, investment, and diversification of investment to reduce the difficulty of funding.

The State of Qin needs consortiums to complete these, and countries and regions also need consortiums to make such investments. They are extremely lacking in such funding needs in terms of funds and technology patents and other projects.

"Yes. We need a consortium. The next step is to upgrade our bank, let our bank upgrade to a consortium, and expand their functions in venture capital. Capital export is not only capital borrowing, but also investment. That's the only way. Our bank can be further upgraded to a consortium, and we can further do bigger business." Shang Wen said.

"Hmmm group." Meng Yi muttered.It was the first time he had heard of the term consortium, and Shangwen opened a window for Meng Yi, allowing him to see the existence of greater profits, and these are a stage that Qin must develop in the future.

"Okay. Let's develop the consortium." Meng Yi believes that the consortium is what Qin needs most. Since it is the most needed, it must be developed.And there is no reason to doubt the significance of the existence of the consortium.

Text 2100 Investment, New Development Direction

"What's our mission today, sir?" A flight corporal asked his chief. ??

"Search." The captain pilot said helplessly.He took a sip of tea water.Rinse mouth and spit on the ground.

"Search? No bombing missions?" asked the flight corporal.

"No. There is no arrangement above. We are the bomber unit of the Air Force of the Army Air Force." The captain said.

"It's a reconnaissance plane thing. It's terrible. Get ready. We're going to take off." The captain threw the cup made of cans on the ground and walked onto the plane.

"Yes, sir," said the corporal.

Because the Air Force of the Army is a new arm, in order to distinguish the bombing airships and bombing planes of the space army, they bought a bomber equipped with three engines. Although measured by the new standard horsepower, it only has more than 6 horsepower, but for this bomber It is very enough for three members.Reprinted eight one-stone aerial bombs.An air-cooled machine gun used to perform search missions, and bombs became telescopes.

As for why such a search mission was carried out, the above explanation is that the airships need to be overhauled, they are slow, and it is difficult to complete the mission.And only the speed of the bombers is barely enough. They are used to carry out search missions, and they think that there are three engines, and if one of them is broken, they can still fly back.The safety factor is very high.Therefore, the above-mentioned bombers were used as search planes. In their view, it was very dangerous to let those single-engine planes fly out, and they had already lost many planes.Moreover, a pilot was hijacked by horse bandits, and they blackmailed Qin Jun.Regarding this matter, the staff department was very annoyed.But there is nothing to do.Pilots are negotiating.Qin Jun is willing to pay some materials to redeem the other party.After all, such losses are relatively small.

The bomber was quickly ready, and then entered the take-off position under the guidance of the ground crew, and then took off, and their mission officially began.

Xianyang, Qin State.Inside the headquarters of Wenyang Bank.

"If you keep borrowing like this, it will be difficult for the bank to maintain. Moreover, the cost of borrowing will increase to a certain extent, and the profit will not be much. Although from the perspective of time, our profit is very objective, but in today's era of low interest rates, It’s not a lot of money.” Ying Yu analyzed Wenyang Bank’s first quarter report.The report shows that Qin Guo Wenyang Bank has a very large flow of funds, and the scale of funds is also very large, but the profit is very meager, and many projects are still at a loss. If this continues, it will be very unfavorable to Wenyang's future operations .

"We have a large number of stocks mortgaged to the Federal Reserve Board, but that's it, our funds are still in a tight state." Xiao He said worriedly.For the current situation, Xiao He also felt a little baffled.

"Our funds always disappear inexplicably. Now it seems that there are not many problems with our statements." Xiao He said.

"However, I feel a little strange. This kind of strangeness makes us very embarrassed." Xiao He continued.

"What's strange?" Ying Yu asked Xiao He.

"It's like this, we can always get a lot of shares, and then mortgage these shares to the Federal Bank Reserve Board, we also get a lot of funds, but these funds, we are eaten by new projects, Then we took the funds from the new project and used it for the next new project. This is the reason why we have a big business at present, but we are unable to make a profit overall. Moreover, it is very strange that the funds were taken away inexplicably. Although some of the funds flow back, most of the funds still flow out. Our current situation is very bad. It is very dangerous to not have a certain reserve of funds.” Xiao He said.

"So, I'm also worried." Ying Yu said.

"Think about it, are we in great danger, or are we in potential danger, and what causes such danger?" Ying Yu asked Xiao He.

"That is, we have too many shares mortgaged to the Federal Reserve Board. Once they have problems, our situation will follow. In other words, if the Federal Reserve Board has broken funds, our situation will be very bad. Wonderful. This is a very big blow to us." Xiao He said.

"Yes. You are right. Most of our current funds come from the Federal Reserve Board. The mortgaged shares basically come from them. If they suddenly stop the mortgage supply of funds at this time, our capital chain will be cut off. At that time, our situation will be very wonderful." Ying Yu said.

"Although we know that the Federal Reserve Board will not do this, after all, this is a sharp sword hanging over our heads. If we don't want it to fall, we will have nothing." Ying Yu said worriedly arrive.

"En." Xiao He just nodded at the side.Agree.He began to think carefully about the current situation of Wenyang Bank.What are the consequences of such a situation.

Wenyang Bank keeps pledging its shares to the Federal Bank Reserve Committee. The Committee can theoretically limit more banknotes indefinitely, and they continue to hold various stocks in their hands.In this case, there are different classes of stocks that continue to gather in the Federal Bank Reserve Board.However, in fact, it is impossible for the committee to hold so many stocks and not to move, due to safety considerations.He needs to recover part of the funds, and in this case, he has to sell the stocks in his hand.And the funds in the market will be reduced, not only these, the committee can also reduce the extent of mortgage loans, that is to say, if possible in the future, banks will no longer provide collateral on such a large scale as today to easily obtain funds, After all, the capacity of banknotes in the market is very limited. Continuous banknotes may lead to a large-scale depreciation of banknotes, which is not conducive to the stability of Qin State society, and this is something the federal government is trying to avoid.

Consider all kinds.Xiao He believes that the only way out for the current bank is to change the previous profit model.In fact, profit models like mortgages earn a little less.Today, when large-scale projects need funds, it is a wise move to continuously disperse funds.This will cause a very serious dispersion of funds, and finally the consequences of bankruptcy.Funding needs to be pooled.rather than constant dispersal.

"Any good ideas?" Ying Yu asked.

"No." Xiao Heye.

"I think we should take a closer look at our profitable projects, or what we might get from other projects." Xiao He suggested.

"Hmm. Your suggestion is very good. Let's check it out right now, maybe there is something we can find." Ying Yu said.

In Shangwen's office.Shang Wen and Meng Yi counted some things among the piles of documents.

"Huh. How is your situation?" Shang Wen put the calculated result on his desk and asked Meng Yi, who was sweating profusely.

"The result is coming soon." Meng Yi said.

"There is no need to make any more statistics. We probably have the relevant figures." Shang Wen said to Meng Yi.

"What do you mean?" Meng Yi raised his head and asked.

"In the past few months, especially since the establishment of the Federal Reserve Board. The amount of stock we have acquired is amazing, and the amount of funds released is also amazing. About [-] million have come from the committee. The number of stocks that have been released and mortgaged back is also astonishing, and the number is still increasing." Shang Wen said to Meng Yi.

"I didn't expect that we released so many?" Meng Yi said.

"Yes, look at our documents. These are the applications they submitted. There are so many applications in the application form alone. If the content is added, the number of documents will be very scary." Shang Wen said.

"This. It's really too much. Moreover, we are still lending money continuously. I wonder if we have given out too much." Meng Yi thinks that the committee has issued too many loans. This is not because he is worried that the loan cannot be collected. Instead, I was worried, what would be the impact of the loans released → what would have such an impact?" Meng Yi said.

"What I worry about is not putting too much money in," Shang Wen said.

"What I am worried about is their flow. I just took the time to look at the cost of funds, especially the cost of Wenyang Bank. They continue to borrow funds and mortgage various stocks. After mortgages, they get funds , these funds flow into the funds of the next bank, or a joint venture bank. In this case, they get the shares of another bank, and then they take the shares of another bank and then mortgage them. God. Think about it, What kind of reaction will it produce? If something happens to the first company ⊥ will cause a chain reaction ⊥ like lighting a string of firecrackers. The crackling will keep ringing." Shang Wen said.