Dragon Star Empire - Chang'an City

After concluding his journey through the Holy Elf Empire, Zhao Chen set off to return to the Wraith Dragon Interstellar Empire.

Almost immediately after Zhao Chen returned, people came to his door.

Zhao Chen never expected that this would be the first person to come knocking on his door.

Minister of Commerce of the Empire, Li Yaqi, and her secretary, Lilith, also accompanied her.

This situation took Zhao Chen somewhat by surprise.

"You two have come together, so there must be something very important going on," Zhao Chen said, looking at the two people sitting in front of him.

If it's a matter for the Ministry of Commerce, Li Yaqi can handle it herself.

But since Lilith was also invited, the meaning behind it is completely different.

Because Lilith is the secretary, the highest secretary of the Xiaolong Interstellar Empire, her authority is to govern all imperial affairs except military affairs. In fact, if Zhao Chen were not present, Lilith would be the de facto regent.

Something that would get Lilith's secretary involved is definitely unusual.

"Indeed, there is something that requires your personal approval." Minister Li Yaqi pushed an electronic document in front of Zhao Chen.

Zhao Chen glanced at it; it was written in formal language, and the title read "Imperial Ministry of Commerce."

"This concerns our Ministry of Commerce's plan to establish four investment banks," Minister Li Yaqi began.

"bank?

"Does this kind of banking matter require your personal involvement?" Zhao Chen looked at Minister Li Yaqi with some surprise.

In this era, interstellar banks have always existed, and they are based on star mines, because star mines are the raw materials for star coins, and are the most basic raw materials in this interstellar era.

It can be said that it is needed in every aspect.

Using it as a base for currency, virtually no interstellar civilization would refuse.

It would be inconvenient to carry a large amount of star minerals to do business.

Therefore, the existence of banks naturally continued.

Interstellar banks are generally divided into local interstellar banks and large interstellar banks.

The former is often established by the lord of a star field or galaxy for financial operations within the galaxy. Transactions between two locations only require the input of a single number.

If the other party wants ready-made Star Coins, they can simply withdraw them from their nearest bank.

It can greatly benefit both parties.

However, local banks often have lower limits, since these banks also rely on creditworthiness.

People will use your bank, but how much they deposit depends entirely on their trust in you.

State-owned interstellar banks are more likely to gain the trust of the people. After all, a large interstellar empire is unlikely to encounter major problems unless a cataclysmic war occurs.

After the establishment of the Dragonflight Interstellar Empire, interstellar banks have been set up to ensure the operation of interstellar trade.

First, the operation of local banks with sufficient credit was preserved, and then several interstellar banks were established within the Xiaolong Interstellar Empire.

These banks are basically interstellar banks established by interstellar traders who are backed by the Dragon Empire.

To date, there is only one entity called the 'Xiaolong Interstellar Empire Central Bank'.

The role of this interstellar bank is currently quite conventional.

"I'm not going to build an ordinary interstellar bank."

For ordinary interstellar banks, our current Central Bank of the Dragonflight Interstellar Empire is sufficient to meet the needs.

What I want to build is an investment bank!

"It's a way to invest in various interstellar civilizations and universes, accelerate local development, and thus allow us to receive a return on our investment sooner," Minister Li Yaqi said.

Zhao Chen understood the intention behind Minister Li Yaqi's words, and he showed a thoughtful expression: "Tell me your thoughts in detail."

Minister Li Yaqi raised her hand and directly showed four badges.

These four badges are somewhat similar to the logos of large corporations, and without exception, they all feature dragon patterns in the background, bearing at least an 80% resemblance to the owl dragon emblem.

However, things are somewhat different against this backdrop.

The most obvious ones are a badge with a hammer, a badge with a wheat ear symbol, a badge with a star symbol, and a badge with a city design.

"The four interstellar banks I envision establishing will be subsidiaries of the Central Bank of the Dragonflight Interstellar Empire."

The first difference between these four subsidiary banks and the Central Bank of the Xiaolong Interstellar Empire is that other interstellar powers are allowed to invest and hold shares in them. Minister Li Yaqi raised the first point.

Zhao Chen frowned slightly.

This point was taken into consideration when the Central Bank of the Xiaolong Interstellar Empire was established, but in order to ensure the stability of the Xiaolong Interstellar Empire's economy, the foundation of the Central Bank of the Xiaolong Interstellar Empire being wholly owned was established.

It is directly controlled by the Xiaolong Royal Family.

Other large interstellar banks in the private sector are also more or less controlled by the Central Bank of the Xiaolong Interstellar Empire, which can be considered an invisible hand of the Xiaolong royal family controlling the interstellar banks throughout the Xiaolong Interstellar Empire.

"I had considered the possibility of being a sole proprietor before."

However, these four interstellar banks are intended to serve all interstellar civilizations and universes in the future. It would be difficult for us to support such a large operation on our own, at least for now.

And these four interstellar banks.

I named them respectively: Xiaolong Agricultural Interstellar Investment Bank, Xiaolong Industrial Interstellar Investment Bank, Xiaolong Construction Interstellar Investment Bank, and Xiaolong Financial Interstellar Investment Bank.

These four different interstellar investment banks each manage different areas.

For example, the Xiaolong Agricultural Interstellar Investment Bank, as its name suggests, is mainly responsible for the development of interstellar agriculture in other interstellar civilizations and universes.

For example, agriculture remains a problem in many interstellar civilizations and universes. Although it can meet basic survival needs, it cannot provide a large amount of natural food, let alone high-quality food.

We control the Eden Food Trade Group and the Eden-class interstellar warships.

This gives us a huge advantage.

Could we leverage this advantage to collaborate with various forces? I've discovered that different geographical environments in the universe can nurture completely different food crops, and there are even different varieties.

In this way, we can diversify our ingredients.

When the living environment of our interstellar civilizations in the universe improves in the future, a large number of people will naturally pursue a better life, and the pursuit of food will be the top priority!

In this way, we can reap huge rewards.

However, if we do it directly, the local regimes of those interstellar civilizations and universes will naturally not agree.

But if they were to do it themselves, they would lack the funds and technology in this area.

Our Xiaolong Agricultural Interstellar Investment Bank can then provide funding and technology, offering various cooperation methods to rapidly develop those backward and underdeveloped interstellar civilizations and universes.

In this way, we can obtain more resources on the one hand, and make their people rich on the other hand, so that they will have money to consume our products.

In retrospect, we used their manpower and space to create even more wealth.

At the same time, we also get loan interest – killing two birds with one stone!

Upon hearing this explanation, Zhao Chen suddenly understood.

This involves using the funds of the Dragon Star Empire to invest in these interstellar civilizations and universes, enabling them to develop rapidly.

Just like getting an acre of land to sprout and mature quickly, so that it can eventually yield a bumper harvest.

"The Xiaolong Industrial Interstellar Investment Bank is mainly responsible for the construction and investment of various industries and mining."

Those interstellar civilizations have some mineral-rich star systems, but they lack advanced mining ships, which greatly reduces their mining efficiency.

At the same time, they don't have the funds to purchase our mining ships.

Let's just invest in them directly and give them our interstellar mining ships right now, so that we can increase their mining capacity in a short period of time.

Then we can use the resources that are extracted, right?

The prospects for the Xiaolong Construction Interstellar Investment Bank are not as promising as those of the other two.

It assists in the construction of some backward interstellar civilizations, such as those that need stargates, starports, star cities, etc., and we can provide financial loans.

Although this part may not seem to have a significant direct economic impact, it can play a substantial role when combined with the previous two.

Whether it's a starport, a stargate, or a star city, they can all greatly enhance the prosperity of an interstellar civilization's universe.

Finally, there's the Dragon Financial Interstellar Investment Bank. This interstellar investment bank is relatively broad; simply put, it invests wherever funds are needed.

Of course, this is not a reckless investment; there will be specialized evaluation agencies to assess the risks and returns of this investment.

What if some interstellar civilizations in the universe have leaders who are eager to develop but lack funds?

We can provide the loan funds.

We don't need to worry about the other party being unable to repay. When signing the agreement, we can ask them to mortgage some physical assets, such as certain star systems or planets, mineral-rich planets, etc.

If they fail to repay the loan by the agreed date, we can directly obtain these collateral.

As long as we possess absolute military superiority, no one will dare to renege on their cooperation with our Wyvern Interstellar Empire!

Hearing what Minister Li Yaqi explained...

Zhao Chen seemed to see a blueprint: with the multi-pronged investment of the Xiaolong Interstellar Empire, the existing interstellar civilizations and universes were like gardens that had been fertilized, blooming with colorful seas of flowers.

Minister Li Yaqi added, "Considering our vow to fight the Devouring Civilization."

For the time being, our four major banks are not issuing long-term loans for interstellar investment.

The loans are mainly short-term, such as six-month, one-year, two-year loans, and a small number of three-year loans.

In this way, we can quickly recoup our investment and reap substantial profits, while also making our Dragon Star Empire's backyards even more fertile!

Zhao Chen nodded; he was truly convinced by Li Yaqi.

The establishment of these four interplanetary investment banks has indeed been of great help.

"You might be concerned about funding. After all, our Xiaolong Interstellar Empire is so focused on preparing for the Oath of Duel that we're practically splitting every star coin in half, so we might not have that much surplus funding."

We don't have any.

Those interstellar civilizations and universes, those interstellar traders—they have them!

If we, as interstellar investment banks, decide to invest in a project within an interstellar civilization's universe, we can raise funds.

With the name of our Xiaolong Interstellar Empire hanging in the air, our credibility is greatly guaranteed.

As for the return on investment, our people will provide them with reports. Some of these interstellar traders can calculate it themselves; they are very shrewd.

In this way, even if we don't have any funds on hand.

We can also use those people's funds to operate our interstellar investment bank.

This segment can be divided into investors who have long-term partnerships with us, and some temporary investors.

The former must have a stable flow of funds deposited in our interstellar bank, and their treatment will be much better accordingly.

The latter type of management can be more relaxed, but the compensation will be lower, mainly targeting small and medium-sized individual investors.

Zhao Chen listened as Minister Li Yaqi's eyes lit up, and she spoke with great eloquence.

He looked at Lilith, the secretary who hadn't spoken until now: "Since you came with her, you must already know her whole plan."

So, I suppose you agree?

Secretary Lilith smiled and nodded, saying, "Such a perfect plan allows us to reap rewards without even needing to invest too much, and it will also make our future backyard even more fertile."

Why wouldn't I agree to a plan that kills multiple birds with one stone?

And it's not just in the economic sphere.

In the process of this investment, we can spread the culture of our Xiaolong Interstellar Empire, place our Xiaolong Interstellar Empire personnel in various places, win over those interstellar civilizations, and even actively support and help some people who are close to us to rise to power.

In this way, it will be more conducive to the continued existence of our Dragon Star Empire among known civilizations in the universe.

Even...perhaps in the future, we will establish a Great Dragon Empire!

Lilith's secretary also showed excitement in her eyes, as if she could already see that future.

Zhao Chen waved his hands repeatedly and said with a wry smile, "I already feel that managing the Xiaolong Interstellar Empire, which spans an entire universe, is troublesome enough."

There's no need for another Great Dragon Interstellar Empire.

Since you both feel there's no problem.

Then let's proceed according to your plan.

Minister Li Yaqi will be in full charge, with your secretariat providing full assistance, Lilith.

After Zhao Chen finished speaking, he signed his name on the document.

Thus began a storm that would later be known as the Golden Age of the Dragon Star Empire.

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