Chapter 439: Tryst with Catherine after a small meeting (Part 2)
“Of course not.”
Grinning her teeth and glaring at Horn several times, Catherine smashed the account book on his chest: “ The 250,000 gold pounds are only on the books, and the actual amount is estimated to have shrunk a lot
The cash in the various chambers of commerce in Rapid City is estimated to be only 70,000 gold pounds, and the Megdi treasury only has 30,000 gold pounds. Up and down.”
I don’t know why, Catherine and Horn have only known each other for ten days, but they often fight like this.
For Horn, this little "Wanxiao" is a small way to get closer, and it is also a kind of self-release.
After all, except for the saints, no one dares or can play with him so relaxedly.
Of course, this application varies from person to person. For serious people, Horn will not make such a joke, such as Shilov.
As for Carrie (Muriarty), she can often see through Horn's little jokes at a glance, and even retort.
There are only two people, Jeanne and Catherine, who can only tease each other. The only drawback is that Jeanne's counterattack is neither light nor heavy, it hurts too much.
In comparison, Catherine has not done anything so far, perhaps because she is not familiar with it yet.
“This is a lot of liquidity.” Horn sat back on the chair and rubbed his temples, “The annual tax revenue of Qianhe River Valley is only 60,000 to 70,000 gold pounds. You have enough money. "
"Who said that?" Catherine rolled her eyes, "According to our estimates, the total annual tax revenue of the Thousand River Valley is estimated to be nearly 700,000 gold pounds, and they only hand over 60,000 to the Leia royal family.
The rest either fell into the pockets of the church or the pockets of the local nobles...
Let’s not talk about this anymore. Now you are the real master of Rapid City. What do you think of the bank? What’s your idea?”
"The general framework remains unchanged. Even if it needs to change, it will be planned and implemented on a year-by-year basis." Horn responded, taking a sip of black tea.
Horn actually knew in his heart that under the current environment of the empire, the Rapids City Government was a relatively advanced political system, and reforms that went beyond productivity were not actually necessary.
For example, before the advent of the industrialization era, no matter how the apprenticeship system in the workshop was reformed, it would only address the symptoms but not the root cause, or the costs would outweigh the benefits.
The fundamental reason is that the productivity level cannot be reached, and forcibly changing the production relations is to encourage the growth of the seedlings.
Advanced is not necessarily the best, suitable is the best.
With the advent of factory production, the apprenticeship system will naturally disintegrate. Reforming it at that time will actually speed up the process.
All Horn has to do is to expand the number of craftsmen, promote proto-industrialization and large-scale workshops, and accumulate resources for industrialization.
So, his first goal when he came to Rapid City was to establish his rule and restore Rapid City's economy within a year. At most, it was to clean up the legacy of the imperial system.
Horn crossed his fingers on his knees and thought for a while before slowly speaking:
“First of all, you have to cut back on the loan sharking business, ban private loan sharking, and reduce the amount of money that private lenders make to private lenders. Try to absorb as much money as possible into banks and open access and loan services to ordinary people
We will establish a sanctuary monastery in Grand Rapids, recruit original lending agents, bring in insurance, credit ratings and loan reviews, and reduce your risk premium. ”
The so-called loan agents are small landowners, rogue gangsters, knights and even manor stewards who are good at lending.
There are even a small group of citizens who specialize in this and raise a family. The thugs' accountants help the gentlemen with lending and collecting debts.
They have their own practical experience in assessing who should lend money, what interest rates, etc.
Send them to Horn's. After a little proficiency in probability in arithmetic classes, it is quite feasible to work as an insurance manager and loan reviewer
"But there is a problem." Catherine frowned. As a top banker, she immediately saw the key. "Private lenders are prohibited from usury, so they will deposit their money in our bank to earn interest.
There is a lot of money in the bank, but you know that agricultural harvests are not stable. If any natural or man-made disaster occurs, without private lenders, where will they tide over the difficulties? ”
Horn spread out his hands: "My suggestion is that the Papal Palace and the Megdi Chamber of Commerce jointly fund the construction of an inclusive bank that benefits the people.
As for how to lend money, how to reduce risks, and how to penetrate into rural folk , this is your problem."
Looking at Catherine writing thoughtfully in her notes, Horn said lightly: "If you have any ideas, you can discuss them at the Cardinals' Meeting. Points that require our cooperation can also be raised at the Council of Cardinals.”
"The Council of Cardinals?" Catherine raised her head in confusion, "Isn't that your highest decision-making body? Can I participate too?"
"Not only can you participate, you can also serve permanently." Horn explained , "You are a saint, and you automatically have the status of a cardinal. You are already the highest decision-maker of the Papal Palace." The highest decision-maker of the Papal Palace... the quill in Catherine's hand gradually stopped.
At this moment, she finally had a real sense of the identity of the Saint. This was not a wholesale identity, but a rather heavyweight priesthood.
"Okay, this part is over, let's talk about the next topic." Putting down his legs, Horn smoothed the wrinkles on his pants, "It's the splitting of your Mega Bank."
Before, she was still happy to enter the core decision-making body of the Salvation Army. After hearing this, the scroll in Catherine's hand still had a few wrinkles: "You said it."
"Don't be nervous, Megdi. The Chamber of Commerce Bank is the holding bank of the other 11 banks, right, so it is split into two parts, the Royal Saint Bank and the Seongku Shinmin Bank."
Horn picked up an exquisite blue card from the ground. Quill pen, pull out a piece of straw paper and start writing.
“Both of them need to carry out the palace ownership reform. The Bank of the Holy Virgin belongs to the Council of Cardinals and has profit as its main purpose. Market."
"What is Gong Youzhi?" Catherine raised her head and asked.
"The owner of this bank is the Holy Father, but it is managed by the Papal Palace and cannot be held by individuals. The private shares are converted into jihad bonds or five-year time deposits."
"Then you are no different. To ban all banks." Catherine looked at the writing in the feather pen, "Those senior partners will definitely be dissatisfied."
"No, no, no, those small banks can become banks controlled by Gongyou Bank. Still operating in a private manner
I can even give the City of Rapids a franchise to operate a private bank, but it must be reviewed and approved by your Catherine.
It's just a small shareholding you previously held. Bank, the shareholder will change from you Catherine to the Papal Palace.”
Horn took out his small notebook and explained: "Those senior partners, I don't mind leaving a place for them in the Holy Monastery or the Senate."
Another reason for doing this is that the United States The Gedi Chamber of Commerce controls a large number of workshops, shops and commercial ports through bank holdings.
Megdi Chamber of Commerce also suffered heavy losses during this military disaster, but Catherine's act of erecting a long wall with vines saved a large amount of elite labor force-all kinds of craftsmen.
Although they lost the workshop they relied on for survival, most of the technologies and tools were still there. The dependence on the original workshop was broken, and they took the opportunity to integrate.
Horn stared at Catherine with burning eyes: "Another major task of yours is to unify and organize the various workshops, and try to bring together the main related industries in the form of a large workshop.< br>
Do you get me?
For example, after the wool is combed, it should not be sent from the south of the city to the north of the city, but to the spinning workshop in the same workshop. After the spinning machine is finished, it should not be sent from the north of the city to the south of the city, but should be sent to the spinning line on the assembly line. workshop.
After the fabric is spun, quality inspection is carried out, and it is immediately sent to the dyeing workshop next door, with high efficiency and low loss. "
"Integration of weaving and dyeing..." Catherine remembered her previous wool plan, "No, no, no, this should be called transfer-style integration of weaving and dyeing?" "
"That is called the assembly line style. We also have the principle of standardization. The Holy Father gave me a booklet called "Rational Management Method" in the Mountain of Paradise. "Horn thought for a while and said, "You will learn it in the training class on Qiu Mu Island. ”
After confirming the memorandum with Catherine, Horn added: "In addition, we will also install some more monks from the Holy Father Order within the Megdi Chamber of Commerce.
On the one hand, we will also place some monks from the Holy Father Order. The Father's Society wants to develop new members, and on the other hand, it needs to train the Holy Father's monks with appropriate banking skills.
Then you'd better reduce the authority of the city council and only give them supervision. , consultation and proposal functions.”
Picking up the memo written by the two, Horn cleared his throat:
“Let’s reorganize it. Your next task will be from October. , by next October, complete the following tasks:
Ban private usury, break up and reorganize Megedy Bank, centralize production by craftsmen, rebuild the infrastructure of Rapid City, cooperate with the renovation of the city hall and courts, and finally reduce the functions of the city council. ”
“One year is not easy. "Taking the memo from Horne, Catherine smiled bitterly.
"Don't worry, the Papal Palace will be your strongest backing, and I will also help you. "Horn held a notebook with a patent leather cover and fanned the wind. "If you are too tired, just read a girl's romance novel to relax..."
"Say it again! ”
(End of this chapter)