Number of romantic figures

Chapter 591
"After soliciting the intentions of the participants, most maritime merchants tend to purchase five-year concessions, a few prefer three-year concessions, and only a few are willing to purchase ten-year concessions,..."

Duan Xigui's calculation ability is quite good, even Feng Ziying doesn't know that her cousin is extremely talented in this area.

The unintentional act at the beginning can actually cultivate a "mathematical genius", which shows that people's potential is really unpredictable. Sometimes an ordinary person often has great talents in certain aspects.

"Based on the standard that the three-year franchise fee is 5000 taels, the five-year franchise fee is 5000 taels, and the ten-year franchise fee is 6 taels, the three provinces of southern China, Zhejiang, and Fujian can directly collect The franchise fee is about 5 million taels of silver."

Speaking of this, even Duan Xigui couldn't help licking his lips, while Feng Ziying, Wang Wenyan, Jia Lian and others, although they had already prepared themselves, still subconsciously gasped.

Although we all know that these maritime merchants and gentry are wealthy masters, but you have to know that this is just a franchise fee and does not include sea tax, which means it is just a qualification certificate.

In the future, if you engage in trade in this field and enter the Shibo Division, you will still have to pay taxes.

Of course, this also means that the court encourages you to do business as big as possible, and the more you import the materials needed by the Zhou court, the better, because that means that you can get tax relief, such as gold, silver, copper and other metals and cash crops, and in the future The big wood needed for building ships, but spices such as pepper, cloves, and cardamom are also the largest imported goods in Dazhou, and precious woods such as sandalwood and rosewood are not included.

Feng Ziying digested the impact brought by this number.

It seems that the previous publicity and message transmission were really effective, successfully mobilizing the enthusiasm of these maritime merchants and gentry who intend to enter this field, and the effect is very good.

This is only from the three provinces of Nanzhi, Zhejiang, and Fujian. If Guangdong and Guangxi are added, the estimated amount should reach about 180 million taels.

However, the maritime trade privileges of the three northern regions of Shandong, Beizhi, and Liaodong are not included. This will be comprehensively considered in conjunction with the construction of the southern Liaoning-Denglai route and the development of routes in the land of Ezo and the hinterland of Jurchen. In fact, this In the early stage of a piece, Haimao is unlikely to make much money, and most of it is invested.

Seeing that Wang Wenyan and Jia Lian were a little dazed, Feng Ziying stabilized her mind and said with a smile: "This can be regarded as a one-shot deal, well, including Guangdong and Guangxi, it is less than 200 million taels, and next year's income may be as much as 20 million taels." Only less than [-] taels."

Wang Wenyan also recalled, "Well, according to this scale, the first batch of franchises will not be renewed or made up until three years later, and there will be a relatively large income after five years, but it can't be done. It's a one-shot deal."

"Hehe, it shouldn't be something I should worry about in three to five years, but now I've got it right." Feng Ziying pondered for a while, "This matter needs to be combined with the establishment of our Yinzhuang."

Seeing a few people who were still a little puzzled and didn't quite understand, Feng Ziying smiled slightly.

"That is to say, the silver taels to be handed over to the household department must first be deposited in Haitong Bank. In the future, if the household department wants to use the silver taels, such as military pay, they can go to the capital from Haitong in the capital city. If you want to buy grain and cloth in Jiangnan, you can directly pay cloth merchants and grain merchants in Yangzhou, and even in the Yinzhuang branches of Suzhou and Jinling in the future,..."

The three of them suddenly realized that this was a clever move to forcibly bind the household department and Haitong Yinzhuang.

"But where does the capital city come from to pay the household department with so much money? What if the household department wants to transfer all of it to the household department's treasury?" Jia Lian couldn't help asking.

"Well, so I have to argue with the Ministry of Accounts. If you don't have to deposit it in the bank, what are you doing? There is still interest in the bank, so you can just make sure you can use it at any time."

Feng Ziying knows that people in this era still have the unique simple concept of this era. It is safest to store money in the underground of your own house, and store it in someone else's bank. What if the bank closes down, what if the owner of the bank runs away with the money?
This concept cannot be changed in a day or two. It is necessary to establish and create an impression that Haitong Yinzhuang is too big to fail, too big to fail.

"In addition, our Haitong Yinzhuang is also raising shares in Jingshi City. Naturally, there are many shareholders, and the shareholders have to invest in real money. Then the share capital will be deposited in the Yinzhuang in Jingshi City as the principal. If it is a general The payment is enough to deal with it, and if you pay a super large amount, let me tell you in advance that it can also be shipped from Yangzhou."

This principle is easy to understand. In short, it is to maintain a certain flow, and large withdrawals need to be notified in advance.

In particular, temporary large-sum withdrawals like the Ministry of Household must be negotiated, otherwise you will have to withdraw several 10 taels at every turn, where might it be possible for you to make up for it in a short time?

As for ordinary merchants, three to fifty thousand taels, as long as they say one or two days in advance, it is not a problem.

"My lord, from this point of view, several things you have to go to Jiangnan this time must go hand in hand." Wang Wenyan chuckled, "Dongfan's development involves Dongfan's salt work, and there will probably be news there soon. Here you go, once you get what you want, it will be a business of several 10 taels of silver. If the other party is willing, they can also enter the Haitong Yinzhuang. You can also let Longyou and Anfu merchants also open accounts in the Yinzhuang. Even loans, anyway, the imperial court also supports them to develop land in Dongfan, "

Feng Ziying smiled with satisfaction.

Wang Wenyan's ability to draw inferences from one instance is not comparable to that of Jia Lian and Duan Xigui. Here, Jia Lian may have the most mediocre qualifications, but his identity is not comparable to that of Wang Wenyan and Duan Xigui. He has a good personality, is willing to accept criticism, and is willing to learn , which is very rare.

"Well, so the Yinzhuang is the foundation. In the future, all transactions involving money and silver can be circulated through the Yinzhuang. It is convenient and safe, and it can also solve the security problem that merchants need to bring large sums of money when traveling north and south." Feng Ziying looks forward to the future of her Haitong Bank, "The money obtained from Haitong Bank's mortgage and debt must also be deposited in Haitong Bank, and the household department must use it. The same is true, but this may be difficult, but at least part of it should be deposited in the Bank, and It can be regarded as the imperial court’s support for our sea affairs.”

"With the support of these big households, Yinzhuang can definitely be built, but if it involves making businessmen trust and realizing the benefits of convenience, I'm afraid it's not enough for the capital and Yangzhou alone. Suzhou, Guangzhou, Datong, Jinling, Hangzhou, Dongchang, and Linqing must all have branches of Yinzhuang, so that these merchants can finally accept this method..."

Duan Xigui made suggestions from the perspective of merchants.

But Jia Lian tends to another angle.

"If some of the imperial family's relatives and dignitaries can take the initiative to become shareholders of our Yinzhuang or open an account to deposit money in the Yinzhuang, this will undoubtedly greatly encourage more people to trust our Yinzhuang..." Jia Lian Glancing at Feng Ziying, "Like a few princes, or elders,..."

This is a double-edged sword. It's easy for the princes to talk about, but it's hard for the cabinet ministers, but if it means that each of them can deposit two or three thousand two, it can play a role in publicity, but it involves When it comes to the scope of privacy and confidentiality, careful consideration is required.

What if Captain Long or the Metropolitan Procuratorate request to investigate and verify?

Feng Ziying couldn't help but think of the various bank secrecy standards and systems in later generations, and under what circumstances can the investigation and retrieval of data be conducted.

"I have thought about what the second brother Lian said, but there are advantages and disadvantages. Some can be considered, and some can't be considered temporarily. For example, a few examples, can the elders open an account in our bank to deposit money?" Feng Ziying smiled. He said: "I'm afraid that there will be a lot of rumors from the outside world. 1000 taels of silver can give you 10 taels of silver, and no one will believe your explanation, so this is not feasible, but if it is the clan princes, then It doesn't matter, well, Brother Lian, your family can do the same."

Feng Ziying's words made Jia Lian embarrassed, but he just shook his head, but he didn't dare to speak.

He knows the details of Jia's family too well. They are strong on the outside and strong on the inside, with a typical horse shit skin. There are some houses, villages and shops. Repair the Western Wall.

Others in the house didn't know that Sister Feng had to take out the family's old things and antiques by various means to pawn every year, and many of the pawns never came back.

But this scene has to be sustained, thousands of people are eating horse chews, and they dare not make a mistake in the slightest, otherwise they will fall even faster.

"Well, I have some concerns about this matter. Prince Zhongshun is willing to invest 8 taels of silver in the shares. In addition, some ministers are still negotiating. We can't make a final decision until I negotiate here. A few 10 taels of silver is not a big problem, but here in Yangzhou, it depends on our ability and hard work."

Feng Ziying smiled and looked at Jia Lian, Duan Xigui, and Wang Wenyan, "We are all one family and don't talk about each other. Although it's hard to say how much money we can make a year and how much dividends we can make in this kind of business, it's better than being safe. It’s better than burying silver in the soil, and you don’t need to spend much thought, if you have some spare cash, 5000 taels is not too little, and 10 taels is not too much, you can come and give it a try.”

What he said touched the hearts of several people.

It's just that the stake is estimated to be at least 5000 taels. Which of these three people can come up with 5000 taels?

Even Duan Xigui managed Fengrunxiang and earned some money, but he only saved three or four thousand taels of silver, and Wang Wenyan's family fortune was only two or three thousand taels, and as for Jia Lian, he couldn't get out even one thousand taels of silver.

"Well, now that I've said this, you guys should think about it for yourself. In addition, if you collect all the money yourself, you can actually invite one or two relatives and friends to join forces to invest. If you make up [-] million, you can also become a shareholder. Dividends are based on their respective investment quotas.”

(End of this chapter)