i have a super island

Chapter 1554

Today in Waterles, everyone is talking about the train.

Especially those who have witnessed the train transporting [-] tons of coal from Westport to Eastport with their own eyes, their cognition has been completely overturned. Before seeing the train, they never imagined that there would be such a miraculous thing in the world .

Compared with the crowd watching the excitement, the soldiers who went off to participate in the game in person were deeply shocked.

The news of the train immediately sparked unprecedented discussion in Waterles.

People's pursuit of trains has also reached an unprecedented height.

In the streets and alleys, after dinner, people talk about trains, and they all talk about how miraculous trains are. According to people's word of mouth, trains are almost like miracles.

With this first successful experiment, the subsequent laying of rail tracks all over the island of Waters was made easier.

Regardless of whether it is the ruling class or the lower class of the people, everyone has an open attitude towards trains, and everyone wants to enjoy the convenience brought by trains as soon as possible.

As a result, a large-scale railway construction movement was launched on Waterless Island.

The first thing to do in building a railway is surveying and mapping planning, which depends on Wei Lin and a group of young students trained by her; at the same time, the steel factory works overtime to produce the required steel rails; and transports them from other islands The round logs are processed into sleepers; in addition to supplies, the people on the island are also full of enthusiasm for the construction of the railway. Many people are vying to be construction workers and working on the construction site day and night.

Seeing the booming development of the railway industry, the most gratifying person is Equation.

As the king of all nations, seeing his country thriving, this sense of accomplishment is incomparable to anything else.

As usual, Fang convened the ministers and listened to their reports on their work.

The current Wanguo is gradually developing into a truly modern country in terms of administration, industry and commerce, infrastructure, people's livelihood, foreign trade and other aspects.

As the queen of Wanguo and concurrently the Minister of Finance, Li Qingman reported to Fang Fang the recent financial expenditure of Wanguo.

The income from export and foreign trade can generally be offset by administrative, people's livelihood, and military expenses. However, due to the recent construction of the railway on Waterles Island by Wan Guo, the national budget has run into a deficit.

Fang Fang curled his lips and said: "I will solve the problem of expenditure. The construction of the railway cannot be stopped. Our first phase of the project around the island must be completed as soon as possible."

To put it simply, it is now that Wanguo needs money for its infrastructure construction.

The total amount of money in the treasury is limited, and to solve the problem of money, we have to find solutions from other places.

When the meeting ended, only the Equation family was left.

At this time, Li Qingman made an important suggestion to Equation, that is, to set up a bank.

"At present, all walks of life in the world already have it, but there are still vacancies in the banking industry."

"That's right, Waterles is short of a bank."

Li Qingman said: "Wan Guo is not without money. Although the national treasury is empty, the people have money in their hands. There are no banks here, and people have no awareness of storing money in banks. We open banks and absorb private deposits. That way you can use those deposits to build infrastructure.”

Everyone in the family except Cynthia understands the knowledge of banks, so Cynthia asked, "My dear sister, if you set up a bank as you said, the people are really willing to put their money in it." Is there yet?"

Li Qingman explained to her: "It is not an unconditional deposit, but a promise of interest. The simplest example, for example, we stipulate that the interest on deposits is 2% a year, that is to say, if you come to the bank to deposit [-] gold coins today, Then after one year, you can get [-] gold coins with the principal and interest."

Cynthia said in surprise: "Sister, the method you said is really good. Isn't it like a hen giving birth to chickens, and money can be used to make money?"

Li Qingman said with a smile: "That's right, using money to make money is called finance."

"But how can the bank return the extra money to those depositors?" Although it was good to use the method of interest to absorb deposits, Cynthia thought about where the interest came from.

Li Qingman continued to explain: "The bank has collected deposits from depositors, and here is a huge amount of money, which can be used to lend to national projects or companies or self-employed individuals. Of course, this money is not borrowed for nothing. The borrower needs to pay a certain amount of interest, and the interest on the loan is higher than the interest on the deposit, so that the bank has money to pay the interest to those depositors.”

Cynthia's face was filled with surprise that "it can still be like this". She had never thought about banks and finance.

Li Qingman said: "Money itself is also a kind of social resource, which is scattered in everyone's hands. From a social macro perspective, banks can gather these scattered resources to do big things, just like gathering water droplets to form It is the same as a stream. From a personal point of view, it is not safe to put a lot of money in your hands, but it leads to idle money and cannot bring additional benefits. Therefore, the emergence of banks is also inevitable for social development to a certain extent.”

Listening to Li Qingman explaining the most basic financial knowledge to herself, Cynthia felt novelty and admiration at the same time. At that moment, she deeply felt that every woman around Fang Fang was a hidden dragon and crouching tiger, and each one had something that made her envious. ability.

It was Li Qingman's proposal to start a bank, but in the end it was decided by equations.

Several ladies were looking at the equation, waiting for his statement.

Fang Fang nodded and said: "Qingman is much more proficient in financial matters than I am. I believe her judgment. In this case, a state-owned bank will be established in Waterles, and Qingman will take care of the specific matters. .”

Li Qingman said: "I have already thought about it. Our first bank is called the Bank of Nations."

Fang Fang smiled and said, "That's a good name, simple and elegant."

After deciding on the establishment of a bank, the next step is the family's own family affairs. The sisters chatted harmoniously, while Fang Fang watched this scene with a smile on his face. , and as the king of a country, holding supreme power, everything in front of him is just like a dream, even in the dream, Equation did not dare to think like this before.

When the three ladies were chatting, Cynthia suddenly covered her mouth with embarrassment.

Li Qingman asked with concern: "What's the matter, is there something uncomfortable?"

Unlike Li Qingman's nervousness, Song Zhixi on the side smiled slightly.

Cynthia shook her head and said, "I don't know, I just feel nauseous all of a sudden."

Hearing that Cynthia said that she was nauseated, Fang Fang next to him felt his heart skip a beat, and immediately had a premonition of what was going on.

(End of this chapter)