The weapon tycoon who traveled to Daqin

When Li Mu got the telegram from Qin, Li Mu was not excited at all. In his opinion, if Zhao wanted to build its own air force, it would need to spend more money, and financially, there was not much money at all.

, for Li Mu, this is a burden, a heavy burden.

Although the finance can be solved through the issuance of bonds by the Qin State, the bond matter will take a while, but the Zhao State Air Force has to implement it, and there are also some fees for the soldiers who went on the expedition. These things are relatively expensive to spend. Li Mu

Thinking of this, he leaned back. He didn't know how to solve the financial problem. Money is hard to come by, but easy to spend.

The streets of Xianyang, Qin State.

"The Prime Minister's Office of the State of Qin is going to issue government bonds again. This time it is issuing public utility bonds. I heard that this kind of bonds will build a lot of things." A Qin man said in the restaurant, holding the newspaper in his hand.

"Is the issue big?" asked another Qin man. This Qin man held chopsticks in his hand.

"Big. Big." said the Qin man holding the newspaper.

"Question, what does this have to do with us?" the Qin man holding chopsticks said at this time.

"Why doesn't it matter?" the Qin man said, waving the newspaper in his hand.

"Think about it." The Qin man continued.

"What's the current interest rate?" the Qin man said.

"It's true. Banks don't give you as much interest as before." The Qin man who was holding the chopsticks put down the chopsticks in his hand.

"That's right, brother. So, now we have to manage our family finances. What should we do if the interest rate is so low? The national debt is higher than the interest rate. If we buy national debt, we can get more, and we can treat it as a regular deposit."

The Qin man put down the newspaper in his hand and said.

"That's right." After such a comparison, the Qin man felt that what the other party said made sense. Think about it, the current interest rate in the bank is very low, so if the Qin man deposits in the bank, the interest will be much less.

, in contrast, the return on government bonds is higher than the interest. Under such circumstances, people are more willing to buy government bonds than to deposit them in banks.

"How much do you plan to buy?" The Qin man picked up the wine bottle and filled the wine bottle for the other party and asked.

"Well, I'll probably buy one thousand to two thousand, maybe. Maybe there are other bonds. Do you think so?" The Qin man picked up the wine glass in his hand and said.

"Well, if that's the case, I also want to buy some. I just don't know where to buy them." Qin Guoren asked.

"Banks, banks have them. Today's bonds are directly underwritten by banks. We only need to buy them from banks." Hearing this answer, Qin Guoren nodded. Since he had such an answer, Qin Guoren decided to buy it.

Enter national debt.

Inside the Bank of Qin.

"The interest rate of the bank is too low." A lady from Qin State complained that the interest rate offered by the bank in Qin State was too low.

"I'm sorry, this is something our bank can't do anything about. We also want to give you more interest, but this belongs to the bank. We must abide by the orders of the Qin government. They want to reduce more interest."

A Qin Guo Bank manager explained.

"Hmm, okay. It seems that it would be better for me to make a fixed deposit." At this time, the lady decided to go.

"Madam, I think you can buy some national bonds. The government is currently issuing a public utility bond, which is one percentage point higher than the bank's interest rate. I think you should consider it." The bank manager continued.

Speaking of.

"National bonds, I don't want to buy bonds, my husband doesn't agree to buy bonds." The Qin lady shook her head and refused.

"No, madam, I think we should consider it. The current bank interest rate is very low, and it may decrease in the future. If you don't want your funds to be seriously affected, I think you should buy some bonds. In this way,

Your income can protect your future profits." The manager said at this time.

"I bought it, but at that time the bonds were as high as those in banks," the woman said.

"Madam, I think you should consider that there is still a lot of room for lower bank interest rates. Government bonds are the only way to avoid such an impact. I think you should buy some, which will be of great benefit to you.

.This is true," the manager said.

"Yeah." The lady thought at this time. The manager took a step back and gave the other party a chance to fully consider it.

"I want to ask a question." The woman asked at this time.

"Excuse me." the manager asked.

"How many people buy this kind of bonds?" The lady didn't know how to solve the current problem. Qin people had bought bonds before, but at that time, the interest on deposits and the income from national bonds were not much different. Therefore, buying

Compared with people who save money, people who buy bonds save more money because buying bonds

Bonds need to be sold before they can be transformed. Sometimes, because there are too many bonds, the price return is much lower, so buying bonds at that time is a loss. It is because of this that women are more sensitive to buying bonds.

.However, the current situation has changed a lot.

The interest on bank deposits has dropped a lot, so there is a certain proportional difference between the interest on national bonds and bank deposits. Under such circumstances, it is relatively cost-effective to buy bonds. The reduction in bank deposit interest has forced some

Housewives start thinking about their family income.

"Many, more than 120 customers have purchased bonds today," the manager said.

"Hmm. Okay, so is there a short-term bond? For example, three months, or half a year. I don't want to keep it for a long time." The lady explained, waving her arms.

"No problem. We have, despite the government's reluctance to do so, we still have such bonds for sale," the manager said.

"Yes. That's good. I want to buy half-year bonds. Yes, half-year bonds." The lady decided excitedly. The manager nodded slightly. There are three types of Qin bonds on the market with one-year, three-year and five-year terms.

There is no half-year term at all. However, banks have noticed the initial tentativeness of the people in buying bonds, so they made some adjustments in disguise. Then they sold some bonds with a half-year term, so that the people could accept it, and their income also increased.

It won't be reduced by much.

Qin Bank Alliance small-scale meeting.

"There have been a lot of people taking out loans recently, and our bank has expanded a lot and has branches. Our funds may be exhausted in the future." A banker from Qin State with long eyebrows said worriedly about this problem.

"That's right." A banker who was drinking tea said, putting down the teacup in his hand.

"In the past, we could make up for the funding gap by absorbing deposits, but recently fewer and fewer people are depositing money. Also, the government has recently issued public utility bonds. More and more companies have taken loans, but

, we have less and less funds in our hands, and if this continues, the impact on us will become greater." A banker in his thirties shook his head and said.

"Yes, bank funding gaps will appear in the near future, the banker drinking tea said at this time.

"Coupled with the government's recent issuance of market bonds, the funds in the market will quickly decrease a lot. Without any new additions, the impact on us will be great. The stock market has already done so.

There has been a violent reaction, should we think of ways to improve the current situation?" suggested a banker in his thirties.

"How to change?" asked the banker drinking tea.

"Well, we can collect funds by issuing bonds. Think about it, the government can issue bonds, and so can we." At this time, the banker in his thirties said.

Hearing this, everyone looked at each other.

"Or, we can invest in the stock market. We also have some relationship with the stock market. Think about it, if we underwrite some stocks and bonds, with such income, plus the funds we collect, I think these problems are also

It can be solved." The banker continued. Everyone present was looking at the banker's amazing words. As for what they were thinking in their hearts, the bankers seemed to be inspired to a certain extent.

In the palace of the Prime Minister of Qin.

"The sales of Qin's bonds are much better than any previous bond sales, although the buyers don't seem very enthusiastic. However, there are really too many bonds issued this time. If we make a comparison, I think,

We are much better than ever before." Meng Yi said to Shangwen.

"Yes." Naofumi nodded.

"As a result, the bank's situation will not be good." Naofumi said.

"Well, maybe so." Meng Yi replied.

"It's not maybe, it is." Naofumi said.

"The funds of people who buy bonds are in our hands, and there are far fewer people depositing money. In this way, the bank's funds will be replenished less and used more. If there is a problem with liquidity in a certain link,

Think about it, what should we do?" Naofumi asked this question.

"This." Meng Yi didn't know how to solve this problem.

"The cost of banks will be much higher, but how should we solve their funding problems? You know, this is the current amount of funds." Meng Yi said.

"So, let them change their methods, let them set up venture capital companies and funds, let them participate in the stock market and futures market, and find ways to speed up the return of capital, etc., we gave them instructions

, let them do the specific things themselves." Shang Wen said to Meng Yi.