Three Kingdoms: My Army Formation Is Too Invincible!

Chapter 191

Chapter 190 Appearance of loan shark? Build Zhongling Bank! (First!)

The first thing Chen Chong did after conquering Jizhou.

That is, all the policies of Binzhou are directly imposed on the major counties and counties of Jizhou.

Implement a comprehensive restructuring!

At the same time, Chen Qun and Sima Yi were transferred from Bingzhou to handle Jizhou government affairs with Tian Feng.

All three of them are top civil servants.

It won’t take long to sort out these multi-tasking affairs and get the whole Jizhou back on track.

After that, Chen Chong returned to Zhongling with his army class.

Guogong’s mansion.

Hear the news returned by Cheng Zhong.

Cai Yan was already waiting at the door.

As soon as he walked in, Cai Yan helped Chen Chong unload his clothes, and his beautiful eyes were full of tenderness and sweetness.

“Cheng Lang, you are finally back!”

Chen Chong gave a chuckle, and took Cai Yan into his arms.

He raised his hand and pinched Cai Yan’s pink nose.

“Yan’er, do you miss me these days?”

Cai Yan lowered his head and gave an imperceptible hum.

His face was flushed like a mountain peach blossom in full bloom, very attractive.

At this time, the guard hurried over and spoke in a low voice.

“Lord, Master Mi Zhu, Master Zhen Yi, Master Su Shuang, from the Department of Commerce and Trade, join hands to see you!

Hearing this, the corner of Cheng’s mouth couldn’t help but 03-pump.

These three guys are like wolves smelling blood.

As soon as I heard him coming back, I immediately came to the door!

It’s really a terrible scenery, and he won’t even let him and Cai Yan stay warm for a while!

Chen Chong waved his hand irritably and cursed.

“Let them wait for me!”

Cai Yan was empathetic, raised his hand to pinch Chen Chong’s shoulder, and whispered.

“Cheng Lang, state affairs are important, we two, don’t worry at this moment! I will wait for you at night, and wait for the next night!

Chen Chong smiled softly when he heard the words, and touched Cai Yan’s hair.

Cai Yan is indeed an excellent woman.

I won’t talk about both talent and appearance, the key is that the character is gentle and rich enough.

There is no meaning to fight for favor, and Chen Chong’s interests are the first priority in everything.

If you have a wife like this, what can your husband ask for!

After sending a few servants to send Cai Yan back to the backyard, Chen Chong went straight to heaven.

The three chief officials of the Department of Commerce, Mi Zhu, Zhen Yi, and Su, are already waiting here.

Lord “!”

The three bowed slightly.

Chen Chong cast a blank glance at the three of them.

Then he sat on the main seat and spoke softly.

“Speak, what’s the matter?”

Mi Zhu said in a deep voice.

“Lord, the policy of equal emphasis on agriculture and business has been deeply rooted in the hearts of the people, and the Department of Trade and Commerce has continued to grow. Now in the state, many people want to start small businesses on their own.”

“However, most of these people are poor people, and they don’t have enough capital in their hands, so they can only borrow money from the powerful everywhere to find a future.

“This is not a big deal at first, but according to what we have learned, some powerful players are very black, charge high interest, and use the model of nine out of 13 returns to conquer people’s fields and wives and children!”

“After I discussed it, I felt that this matter is not good news. If it is allowed to spread, I am afraid it will eventually hurt my foundation!

“So, the three of us came here this time, also wanting to solicit the opinions of the lord. Can we issue a ban in the name of the Department of Commerce and Trade to strictly prohibit this phenomenon?”

Hearing this, Chen Chong’s eyes also flashed a bit coldly.

Nine out of thirteen?

Isn’t this loan shark?

Under such heavy interest, if the people do business with any problems, they will immediately fall into a dead end!

As long as it is stained, you will have to peel off the skin if you don’t die!

Mi Zhu and the others were rightly worried.

If this kind of thing is not contained in the cradle, it will definitely become uncontrollable if it develops and evolves!

However, borrowing is an inevitable demand for the people.

Haoqiang can derive huge benefits from it.

This kind of thing that one is willing to fight and the other is willing to suffer, only with a ban, I am afraid that it will not be able to stop it!

We need to look at other directions and think of a way!

After pondering for a moment, Chen Chong spoke in a cold voice.

“Let’s do this, this matter should not be blocked. Instead of spending energy staring at those tyrannical misconducts, it is better to let the government settle the matter!”

“The three of you go back and discuss it. The Department of Commerce and Trade will set up an institution, let’s call it Zhongling Bank, to provide loans to the people in the name of the government!”

“Of course, it is impossible for Zhongling Bank to take such an extreme interest rate as nine out of 13 returns. It only needs to charge 10%!”

“With low interest rates, coupled with the government’s credit, the people naturally no longer have to bow to the powerful. In this way, it not only curbs the unruly behavior of the powerful, but also gives the people an opportunity, and the government can also benefit from it.”

“Isn’t it better to kill three birds with one stone?”

Hearing Chen Chong’s idea, Mi Zhu, Zhen Yi and Su Shuang looked at each other.

I’m all excited too!

“What a Zhongling Bank!

“The lord is right! This method is really a hundred times better than simply banning!”

Mi Zhu couldn’t help sighing.

Zhen Yi’s eyes were also full of admiration.

“Yes, how did we not expect to set up Zhongling Bank!”

The lord “wonderful thinking, if you don’t join the army, you will definitely be a generation of powerful merchants!”

Chen Chong didn’t rush, and spoke lightly.

“In addition, the borrowing needs of the people in Binzhou and Jizhou must be very large. Although the treasury has a lot of money, but each has its usefulness, the financial resources allocated to the Zhongling Bank will not meet the needs of the people.

“In addition to the business of issuing loans, Zhongling Bank can also add a function to absorb the remaining wealth from the people in Jizhou and Bingzhou!”

“As long as they 290 are willing to deposit their spare money in Zhongling Bank, they can settle interest after a certain period of time!

“Of course, the deposit interest is lower than the loan interest, and the difference in interest can be used to maintain the normal operation of Zhongling Bank. For the specific value setting, the three of you will continue to study!”

Mi Zhu, Zhen Yi, and Su Shuang had their eyes widened, and some were speechless.

Looking at Chen Chong strangely.

What kind of monster is my lord?

One payment, one deposit.

With just a few words, the operation mode of Zhongling Bank has been fully structured!

The lord is worthy of being the lord, and it is really extraordinary when he makes a shot!

Chen Chong chuckled lightly.

These ideas about banks are actually nothing more than the most basic operating methods of later generations of banks.

However, at this time, it is indeed a precedent for an era!

It is not surprising that the three Mi Zhu will have such a shocking reaction!

At present, only Chen Chong can do things like money houses.

Because the establishment of banks requires a high degree of trust from the people.

There are countless princes in the world, and only Chen Chong can speak out among the people!

Once Zhongling Bank is established, it will not take a few days, and people from all over the world who deposit and loan will definitely come!

This kind of popular support is completely incomparable to others!