Chapter 435: Ministry of Finance and Banks

What the Hua family needs to do now is to build a big framework. It will take a long time to get all of this done. The most important thing is the talent issue. Although Hua Kai has been deliberately guiding the thinking of family members for so many years, it is not an easy task to build a strong regime that adapts to this world.

The core members have already gone to their own business. Hua Kai will first build the framework of the major departments of the three major courtyards in September. When they select managers, they must first let the other party know the tasks of this position, so that they can slowly learn the knowledge they should have.

Huang Guangwen came to Huacheng [Tianmachang] with a pile of documents. He saw several divine horses in training at the racecourse walking in the air, and his eyes showed envy.

Huacheng has become the largest base of good horses in Gaoliu County. The horses used by various legions are basically from here, and the horses used by various families are also bought from here. Pingdingshan exports more than 100,000 horses every year and sells them to various parts of the Central Plains. Now Gaoliu County has become the largest horse supplier in the Central Plains.

"The head of the family is in the study, Captain Huang, please follow me." A maid took Huang Guangwen to Hua Kai's courtyard.

Huang Guangwen is the captain of the Suzaku Corps. His main task every day is to clear all the wolves and wild beasts in Gaoliu County. Since the Hua family began to build roads with all their strength, the number of wolves and wild beasts on this road has suddenly increased, and many wild beasts and monsters often appear. Today, Hua Kai asked him to come, so he put down his work and came to Huacheng.

Entering the Hua family's study, Huang Guangwen saw Wu Ren Tuya was also there. Wu Ren Tuya's belly was a little big. There were rumors in the Gaoliu County families that Wu Ren Tuya was pregnant, but the Hua family did not say it clearly and everyone did not dare to spread it randomly. It seems that the news is true.

"Meet the lord!" Huang Guangwen looked at Hua Kai and saluted. Hua Kai is about to become the monarch now, and he dare not call Kai'er casually now!

"Second uncle, you are here! Sit down... Write well, you are not allowed to leave if you don't write well!" Hua Kai entertained Huang Guangwen while saying to Wu Ren Tuya who was pouting.

Wuren Tuya has been pregnant for eleven months, but her belly is only slightly bigger. Hua Kai can feel that there is a life in her belly, but it is unknown how long it will take for the baby to be born. Wuren Tuya is very anxious every day, so Hua Kai asks her to write to calm her mind.

"Second uncle, in recent years, Huajia Bank has spread across most areas of the Central Plains, and the bank's funds have increased. It is no longer appropriate for the Huang family to manage it in this way. I want to talk to you about the future development of the bank." Hua Kai said.

Huang Guangwen's heart was pounding, and he secretly thought that what was coming had finally come!

In recent years, Huajia Bank has 34 branches, and the Huang family has made a profit of more than 100,000 gold every year. This is because a large part of the profit is handed over to the Finance Department. Who wouldn't be jealous? The Huang family has become the family with the largest number of people among the Hua family's affiliated families.

"Kai'er, the Huang family will fully cooperate with you in how you deal with Huajia Bank. Without the Hua family, how could the Huang family have the current power in recent years..." Huang Guangwen was talking when he heard Hua Kai suddenly smile and interrupted him.

"Second uncle, you misunderstood! I didn't say to take back the management of Huajia Bank. The establishment of the three major courts requires a lot of funds, especially the establishment of the collegial court, which costs a huge amount of money. The audit and use of funds by the Finance Department are one thing, but the bank's accounts are another.

The bank must establish its own deposit and loan management system, which is completely separate from the Finance Department. In this way, there will be no problems with the bank's credit. You can't ask the Finance Department for money when you need it, and the Finance Department will take it from the bank.

The bank will be separated separately in the future, and the profits and expenditures will be summarized every year. The Finance Department should make a budget for all the income of Gaoliu County, and then make a budget for the use of funds in the future, and use the money where it is most needed." Hua Kai said.

Hua Kai was afraid that the Huang family would play with the bank. Recently, more and more large amounts of funds from the Finance Department were sent to him. There were places where funds were wasted in many places. The construction of a small three-level House of Representatives in one place actually cost 50,000 gold. Is this turning the House of Representatives into a palace?

"What about the Huang family in the future?" Huang Guangwen asked.

"Do a good job in the bank, and let the Finance Department directly manage it. That is, the bank owner will not be allowed to work in the Finance Department in the future. The Finance Department will be directly managed by the State Council. The Huang family should focus more on the bank in the future!" Hua Kai said.

Huang Guangwen nodded in agreement. Now that Gaoliu County has changed, ordinary families and various schools of thought must share a large part of the power of the aristocratic families. Other countries are managed by the king with the help of the aristocratic families, but in Gaoliu County, it is not the case. Gaoliu County is where everyone helps the king to manage the world, and the monarch's power has been weakened a lot.

"I know, but there is one thing. Now more and more people use Huaquan, and many places even use Huaquan for transactions. There is more and more gold in the vault of the head office in Gaoliu City. If something unexpected happens, it may be a big deal!" Huang Guangwen said.

"Tell me about the current situation of Huajia Bank." Hua Kai rarely pays attention to the details of bank operations, and he asked Huang Guangwen.

"I also only do a general account once a month. There are about 17.1 million gold in Huaquan now, and we have loaned out 3.6 million gold. We still have about 6.8 million gold in Gaoliu City, and about 5.6 million in Beishan, Baoyuguan, Xiacheng, and Huacheng. 26 banks in other countries have about 1 million gold." Huang Guangwen said.

Hua Kai did not expect that the scale of Huajia Bank has grown to such a large extent. With a gold reserve of 13.4 million gold, at least 20% of the funds in the entire Central Plains must be here. This is an invisible power of the Hua family. If the money is managed well, there are too many things that can be done.

"Let's do this! Each bank will set an upper line and a lower line for storing gold in the future, and store the excess gold with me first.

I will contact the papermaking workshop in the next few days to see if a new set of currency can be made to replace Huaquan. The new currency needs to be made very exquisitely. In the future, try to let everyone use the new currency. We can name the new currency Huaxia currency and try to issue it when the country is founded." Hua Kai thought for a while and said.

Huajia Bank has been in business for many years, and everyone has a certain sense of trust in Huaquan. There are many benefits to using paper money instead of gold and silver. At this time, Hua Kai can try to print paper money.

"By the way! Before printing paper money, you must make up for the bank's deficit for me. I heard you say that there is still a difference of more than 100,000 gold. In the future, the law will gradually be delegated to banks, fund management and other aspects. If there is a problem with the bank, it will be a big deal for the Hua family." Hua Kai said.

"I know!" Huang Guangwen bowed his head and said that the Huang family now regards Huajia Bank as their own territory. Many family members have begun to spend extravagantly. A large amount of funds have been lost. This is also a problem that the Huang family must deal with. If the deficit cannot be made up, then use the entire Huang family to fill it!

Huang Guangwen left with a heavy heart. Hua Kai has already set his sights on the bank. The Huang family must not pay attention to it. If they don't make detailed rules for the management of the bank, it will be difficult for the Hua family to protect the Huang family when problems arise.

"Kai Lang! I want to go back to Yuezhi!" Wuren Tuya said to Hua Kai after Huang Guangwen left.

"Why do you want to go back to Yuezhi? You are still pregnant!" Hua Kai asked puzzled.

"Recently, there have been more and more conflicts between Yuezhi cavalry and Gaoliu County's aristocratic families. Some tribal leaders have come to me. I know that many customs of Yuezhi are in great conflict with the people of Gaoliu County. These changes will take some time.

As the heir of Yuezhi, they followed me thousands of miles to marry in Gaoliu County. It is impossible for me to ignore their affairs, but I cannot intervene in these matters. When I return to Yuezhi, you can do your best to educate them and reform them!"

Wuren Tuya said this in a deep voice, which surprised Hua Kai. The conflicts between Yuezhi cavalry and Baoyuguan, Gaoliucheng aristocratic families and families are increasing, and Hua Kai has heard a lot of them.

For example, a Gaoliucheng family gave their daughter to a Qi training captain of Yuezhi cavalry as a concubine. The girl was beaten to death by the housewife the next day after marrying the captain's house. This is incredible in Gaoliu County.

Although the status of concubines in the Central Plains is low, it is much higher than that of servants and maids. If a concubine dies, it means that someone in the family has died. You have to explain why she died. If it was an accidental death, you have to be held accountable.

In the Yuezhi Kingdom, the status of concubines is only higher than that of slaves. It is normal for a housewife to beat a concubine to death. The law enforcement team of Gaoliu City arrested the captain's housewife, and as a result, hundreds of Yuezhi cavalry found the Civil Affairs Department and almost fought with the Suzaku Corps.

The Yuezhi cavalry felt that it was bullying to deal with the mistress of a small tribal flag owner for a concubine, and everyone in Gaoliu City felt that the Yuezhi people were too cruel. A beautiful girl was tortured to death in one day, and the housewife must pay with her life. The matter was resolved by Hua Kai.

Hua Kai asked someone to speak to the person in charge of the Yuezhi cavalry. The Yuezhi people in Gaoliu County followed the Hua family's rules in everything. Although the matter was handled, the impact was very bad. Hua Kai had sent people to deal with it, but to prevent such problems, popularizing cultural knowledge to the Yuezhi cavalry was one aspect, and the most important thing was that the Yuezhi people were willing to put their minds at ease and accept the Central Plains thought.

"How can you go when you are still pregnant? What if you give birth in Yuezhi?" Hua Kai said worriedly.

"How can it be so fast? My belly is just a little bit in shape. I don't know how long it will take for him to be born. It's all your fault that you let me take [Pregnancy Pill]. I don't know what kind of freak will be born." Wu Ren Tuya said.

"Okay, this year the ten major Yuezhi tribes have sent caravans back to Yuezhi. This is also very important for deepening the understanding between Yuezhi and Gaoliu County, and it can also bring certain income to the Yuezhi tribe outside Baoyuguan. You should also pay more attention when you return to Yuezhi. Xue Chen came back from the Ordos tribe. Now trade with Yuezhi can only rely on caravan transportation. You can send some goods over through [Family Space] when you go back." Hua Kai said.