Zhong Yi smiled and said, "Actually, we have a third choice!"

"The third choice?" Li Qimo's pupils shrank slightly when he heard this, and he said in a deep voice, "What do you want to do?"

Commod and McJoseph's eyes also fell on Zhong Yi's hands, or to be more precise, on the Browning pistol held in Zhong Yi's hands.

Zhong Yi put away his pistol with his backhand and said with a smile: "Don't misunderstand, several ministers, I won't kill you."

He paused for a moment and said to Li Qimo: "Even if it was just now, I was just a joke with Duke Li Qimo. No matter what, you three are diplomats and enjoy the right to be pardoned. No matter what, I will not attack you."

Commod, McJoseph, and Li Qimo were suddenly made by Zhong Yi's soft and hard methods, making her husband King Kong unable to touch his head.

However, Commod suspected that what Zhong Yi said at this moment should be false. His previous harsh words and harsh words were the expression of his nature. He had no doubt that if they were engaged in the opium trade again, this guy would definitely kill the three of them secretly, and would definitely make the case seamless and no flaws could be found.

At that moment, Commod said, "Mayor, what do you mean?"

"Yes." McJoseph also frowned, "What exactly do you mean by the third choice?"

"It's very simple. Everyone cooperates and make a fortune together." Zhong Yi said with a spreading hand, "Isn't the reason why you smuggled opium with Chen Jinmu in order to make money? If there is a better way to make money, and there is no need to smuggle the danger of squeezing the reputation of being disgraced, and there is no need to bear the shackles of conscience and morality, why not?"

Commod was stunned: "Oh Tfak, can there be more money than smuggling opium?"

"And it's a legal business? Don't risk losing your reputation?" McJoseph said.

Li Qimo also said: "And this is a win-win business, which is also good for the Chinese? So we don't have to bear the shackles of conscience and morality?"

"All up!" Zhong Yi smiled, "That's it."

Commod took a deep breath and said anxiously: "Mayor, don't keep it aside. What business is it?"

"Financial!" Zhong Yi no longer made a fool of himself and directly revealed the mystery. "To put it more specifically, it is to open a bank!"

"It was originally meant to open a bank." Li Qimo, Commod and McJoseph first suddenly realized, and then his eyes were disappointed.

Li Qimo shook his head and said, "It is indeed easier to make money in the financial industry than to smuggle opium, but then again, it is not so easy to engage in the financial industry, especially opening a bank, which is even more difficult!"

Commod also said: "It's not that easy to open a bank. Systems, places, managers, and even capital are easy to solve, but the business, especially the lending business, is not that easy to carry out!"

Joseph McGrath also said: "Yes, if the lending conditions are too loose, it will be difficult to recover funds, and it will easily form a large number of bad debts and bad debts. However, if the restrictions are too strict, it will be difficult to obtain loan business. Especially now that the Sino-Japanese War is in full swing, the entire Jiangsu and Zhejiang industries are in decline, and lending business will be even more difficult to carry out!"

Zhong Yi shook his head and said, "My opinion is exactly the opposite of you!"

"Crisis, crisis, chances are only in crisis!" He said this and said, "Those who think about it carefully, is it really because of war that the industries in Jiangsu and Zhejiang have declined?"

McJoseph and Liqimo said with a blank expression: "Isn't it?"

Kang Maode frowned and said, "Academically, the reason why all industries in Jiangsu and Zhejiang are in decline is not war, but because of the cut off of business routes caused by war and the loss of confidence in the business environment of Jiangsu and Zhejiang. Especially the latter, it has the worst blow to Jiangsu and Zhejiang industry and commerce, even greater than the war itself!"

"Good!" Zhong Yi couldn't help but give Commod a thumbs up.

It seems that Commod is aware of political economy, so he knows the reasons.

But Li Qimo and McJoseph were still confused and couldn't figure out the reason.

Commod gave an example and said to the two: "For example, Shanghai was indeed affected by war in the second half of last year, but it was not affected by war for the whole year, right?"

"Yes." Liqimo and McJoseph nodded at the same time.

Commod said again: "Shanghai has more than four million people, and the food, drink, defecation and urination of more than four million people is a big market in itself, right?"

"Yes, that's right." Liqimo and McJoseph nodded again.

Commode said again: "Shanghai is not short of funds, right?"

"Of course there is no shortage." Li Qimo and McJoseph shook their heads at the same time, "Don't say that the local consortiums in Jiangsu and Zhejiang are both Citibank and Swiss Bank have branches in Shanghai, how can they be short of funds?"

Commode said again: "Shanghai is not short of factories. From hardware, chemical industry, textile industry, pharmaceutical industry, food processing to heavy industry, there are basically industrial categories that should be found, right?"

"That's right." Li Qimo and McJoseph nodded again, "Shanghai's industrial categories are very complete. Even though a considerable number of factories responded to the call of the National Government and moved to the rear, there are more factories left in the concession!"

"Then the question is." Commod spread his hands and continued, "Shanghai has a market, production capacity, and capital. Why are all industries still in decline?"

"This market is false!" said Li Qimo. "The four million Chinese refugees hiding in the Shanghai Concession are penniless and have no purchasing power at all!"

"I'm afraid this is not." Commod shook his head and said, "As long as the factory in the concession is opened, there will be a large number of jobs. With the employment, the four million Chinese refugees in the Shanghai concession will have income and purchasing power. A huge market with a population of more than four million will appear?"

"Hey, it's really." Li Qimo scratched his head, "What's the reason?"

Kang Maode said: "The reason is that because of the war, the banking industry has lost confidence in Shanghai's business environment and is unwilling to lend the funds to industrial and commercial owners. Industrial and commercial owners have no principal, and they cannot purchase raw materials, nor can they recruit workers to resume production, which has led to the decline of all industries!"

"To put it bluntly, it means lacking confidence in the future of China or Jiangsu and Zhejiang." Zhong Yi said, "but it is precisely because these bankers lack confidence in China's future that there is a market vacuum and new banks will have opportunities. Otherwise, what will the newly established banks compete with bank giants such as Citigroup and HSBC?"
Chapter completed!