Valley Emperor

Whether it is the Royal Bank or the Imperial Development Bank, although one belongs to the Royal Assets Division and the other belongs to the State-owned Enterprise Department, and both are wholly-owned, they are born with a strong official background.

Therefore, in many cases, these two banks have to serve the government. For example, when the central government was short of money in the early years, they always recalled the issuance of government bonds. In recent years, the Datang Empire has rarely issued National debt.

But that doesn't mean they don't have to support the development of the empire. When the empire wants to do something big and is short of money, they need to stand up. For example, for the water conservancy project of the year, the empire would not be able to provide so much money for a while, so A lot of the money needed is advanced by these two banks, the kind without interest.

The same is true for the subsequent national transportation projects and a large number of official road construction projects, and the loan interest is very low.

In addition to the central project, most of the infrastructure projects in many local yamen also borrowed from these two banks.

At the same time, in order to support the development of industry and commerce, especially the development of specific high-paying technology industries, the empire will also make the two banks cooperate and provide a large number of low-interest loans to enterprises.

These are the political tasks shouldered by the two banks.

However, they are still only commercial banks in essence. The two banks themselves are official banks, but the competition with each other is still very fierce.

More importantly, they also face competition from many private and some local official banks.

As of the 23rd year of Xuanping, there were more than 300 commercial banks registered in the Datang Empire. Just looking at this number of banks shows how fierce the competition in the banking industry is.

Among these more than 300 banks, in addition to the special Royal Bank, the Ministry of State-owned Enterprises is wholly-owned by Imperial Development Bank and Datang Nanyang Bank, but Datang Nanyang Bank is a bank established only two years ago, and its main business It is aimed at the overseas trade market. In addition to opening branches in several major coastal trading cities in China, they also set up branches in Ryukyu, Fusang, Luzon, Banten, Malacca, Gehe and other places, so this Nanyang Bank has little to do with the domestic banking industry.

In addition, there are more than 20 banks with the same official background, that is, the local official banks that have been established in the past ten years. These local banks are generally funded and established by the local finance, and their shares and income belong to the local finance, of course. , just like other local government-run enterprises, the management of these local banks is not in the hands of the local finance, but in the hands of the Ministry of State-owned Enterprises.

The scale of these local government-run banks is large or small. There are relatively large Bank of Shanghai and Bank of Jinling, but even these two relatively large banks, their business scope is generally limited to the local area. For example, Bank of Shanghai, its Although the volume is not small, it mainly relies on Songjiang Prefecture, at most it covers several other prefectures in Jiangnan Road, Yangzhou across the river, and Hangzhou in the south.

Therefore, although these local government-run banks are not small and most of them are not bad, they still have relatively large limitations.

What is really more competitive is actually a large number of private banks. These private banks are large and small. Among them, Zhili Textile Bank is the largest, which is the third largest bank in the country. Its branches are not limited to Zhili. Four roads and one government, but all over the country.

Of course, it is impossible for them to achieve comprehensive and indiscriminate coverage like Royal Bank and Development Bank. Basically, every county can find these two banks.

Although Zhili Textile Bank has also achieved nationwide coverage, it mainly relies on areas with relatively good economy, and for some remote places, it basically only opens branches in prefecture-level cities.

In addition to the large-scale Zhili Textile Bank, there are also many medium-sized banks that are not weak, such as the Northern Bank, Guangsheng Bank, etc. Although it seems to be just an odd party, its influence in the local area is very strong. Large, such as Northern Bank, relying on Tianjin, covering many northern provinces, Shandong and Hebei are their base camps.

Guangsheng Bank also relies on Guangzhou, covering Guangdong, Guangxi, Jiangxi and Hunan.

As for the small-scale private banks, there are more than 200, and these banks can survive because of their special advantages.

More than 300 domestic banks compete with each other, but the means are quite tragic, and the most significant change is the deposit interest.

You must know that when the Royal Bank first opened, not only did people save money without interest, but they also had to pay fees.

But later, with the increase of banks, the competition pressure was great. In order to attract deposits, some banks actually gave deposit interest, and then almost all banks followed up quickly.

Finally, up to now, when you deposit money in the bank, not only do you not need any handling fees, but you can also receive deposit interest. Although the deposit interest is very low, it is better than nothing.

With the pressure of deposit interest, these banks naturally pay more attention to interest income when issuing loans.

Even the Royal Bank and the Imperial Development Bank, which are huge and carry political missions at the same time, have to be more cautious.

Especially for railway construction loans, these loans are not short-term loans of one or two years, but long-term loans of ten years or more. If no interest is charged, or even less interest is charged, they will be playing a fart.

The main income of today's commercial banks is to rely on loan interest. How can there be no interest income to support so many employees, how to turn over profits, and more importantly, how to pay interest to depositors?

Therefore, even if it is a project given to the government by the Royal Bank and the Imperial Development Bank, such as railway loans, interest is still charged. Although the interest is much lower than that of ordinary commercial loans, it cannot bear the volume. It is tens of millions, even if the interest rate is lower, it is a huge burden for the railway company.

But now this part of the railway loan interest, Chen Lifu said, can be subsidized by the local finance in Guangdong.

To put it bluntly, the bank lends money to the railway company to build the railway, and Guangdong's local finance is responsible for sharing a large part of the interest expenses.

After hearing this subsidy plan, the people of Datang Railway Corporation were tempted.

These days, the cost of building a railway is often in the millions or even tens of millions. It is impossible to build a railway without borrowing money.

But borrowing money to build the railway, the interest expense is an extremely heavy burden. The annual interest expense of the Datang Railway Corporation is a huge number.

Every time they see the huge loan figures and interest payments on the ledger, it is enough to make the senior officials of any railway company worry, for fear that the capital chain will break and then cause a big problem.

Now Chen Lifu proposes that interest can be subsidized, which is a very tempting suggestion.

You know, don't underestimate this interest, it really has to be counted, and it will cost millions of yuan or even more.

In addition to the interest subsidy, Chen Lifu also gave another promise, that is, construction incentives, which will last for three years from now on.

If it is completed and opened to traffic on schedule and passes inspection, a reward will be given, and a reward will be added every day in advance.

And this reward number is also not small!

Chen Lifu put forward such a plan, so that the senior executives of Datang Railway Corporation, no, it should be said that they are senior officials, all opened their eyes.

The Guangdong-Jiangxi Railway was originally in their plan, but it was not planned to be repaired so early. Now Chen Lifu proposed to use subsidies to let them repair it in advance, so that they could not turn around at first.

The local finance subsidizes us several million, just to let us build the railway? They were tempted, but when they were tempted, they did not dare to agree immediately. This matter is a bit sensitive and has political risks.

In the face of Chen Lifu's proposal, the Railway Corporation did not dare to make a decision without authorization, because they have not done this kind of thing before, and they are relatively sensitive.

The local government directly subsidizes commercial companies. This kind of thing has never happened in Datang before. Even if the Railway Corporation is an enterprise of the Ministry of State-owned Enterprises, it is still a commercial company, at most it is special.

Not to mention the construction subsidies that follow.

If you're not careful, you might get into big trouble.

In the end, it was reported to their nominal boss, the State-owned Enterprise Department. People in the State-owned Enterprise Department also felt a little weird, and they did not dare to decide without authorization, and sent it to the imperial study.

This was sent to the imperial study, and was seen by many ministers on duty and walking ministers. Well, this matter was all over the sky.

After all, this is not a top-secret affair, and it is not allowed to be leaked. Many people are very worried about Chen Lifu's plan, and many people directly oppose it.

What are they worried about and against?

First of all ~www.wuxiaspot.com~ What they are worried about and opposed to is not the construction of the railway itself. Now that Datang is in a period of great railway development, it is politically correct to encourage and support railway transportation. Naturally, they will not oppose it.

What they worry about and oppose is the way to support railway development.

Chen Lifu is not an ordinary support for the development of the railway. He is directly throwing money at it, and it is also the government's money.

Even if the money is from the local government in Guangdong, it is still government money. It is unheard of for government money to be used to subsidize commercial companies.

They are even more worried that once this hole is opened, countless problems of bribery and corruption, power and money transactions, and publicity for personal gain will breed in the future.

When government money is used to subsidize commercial companies, what is the subsidy standard? Will there be power-money transactions, etc., these are potential major problems.

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