New Shun 1730

It was the first time that Li Gan heard about insurance. After listening to Liu Yu, he knew that it had been implemented in Western countries for many years.

According to Liu Yu, it would be best if stock trading, stamp duty payment, Liaodong soybean futures delivery, marine insurance, marine grain transport, etc. were all completed in one building complex, making it the financial center street of Songjiang and even Dashun.

Directly managed by the emperor, it is convenient to control, and it is also guaranteed by the emperor's reputation, so that more businessmen can be convinced that this is a reliable method.

In theory, this place is best placed in the capital, or at least around the capital.

However, the capital of Dashun is misplaced from the economic center.

The economic center of Dashun is Jiangnan. The money in the capital is either hidden in the cellars of Liu Yu's father and other nobles, or is loaned out to earn interest, which is completely incomparable to the economic scale of Jiangnan.

Relying on taxes and grain transport, the economy of the capital is stabilized. This kind of place is not suitable as a financial center.

The emperor must have considered this issue, so the pilot was placed in Songjiang.

Since Songjiang is going to be a pilot, it might as well take this opportunity to come up with all these things.

There is already a foundation laid by the trading company, and taking advantage of the situation, these things can just make up for all the shortcomings.

Even if Jiangsu does not have enough money, merchants from Fujian and Guangdong will naturally come to Songjiang to invest money.

Ships and navigation have shrunk the world. Guangdong and Songjiang are closer than the capital to Zhangjiakou in terms of time scale.

These are all profitable businesses, and no one will not do them, especially when the news of the trial of changing the canal to sea transportation comes, I am afraid that it will be crowded.

There are a lot of advantages, and all possible disadvantages cannot beat two things.

The navy is in Weihai, and if there is chaos in Songjiang, it can reach Songjiang in five days.

The arsenal and the field troops after the military reform are all in the north. Jingxiang has the basic base of good families stationed, which can cut off any unrest in Jiangnan at any time.

These two things are enough to resist the disadvantages that may be thought of at this time.

No worries, he can be strangled at any time, so Li Gan was immediately itchy when Liu Yu said this.

He knew Liu Yu's ability to make money, and he did "not compete with the people for profit", which was completely made out of thin air, not taking a piece of the original pie.

If Liu Yu really said, the stock exchange, stamp tax collection, marine insurance, and sea transportation of grain are all in a place that is half government office and half chamber of commerce. As long as he wants, he can control it at any time.

It's like making a cesspool and gathering flies in it, so that they don't fly around and are hard to catch.

As for this navigation insurance, a little calculation shows that it is a good thing.

If the merchant pays for the sinking, it is likely to make a merchant bankrupt.

If there is insurance, the damage to the merchant is also small. The key is... if something really happens, a company with so much equity can fully come up with enough funds to pay immediately, without affecting the continued transportation of grain, to make up for the shortfall.

If it is only tried in Songjiang and Suzhou, this marine insurance is actually dispensable.

But considering that the grain transport may be completely changed to sea transport in the future, this is undoubtedly a good way.

If it is really completely changed to sea transport in the future, even if the grain transport in Jiangnan is 5 million dan a year, even if all of it is sunk, as long as the navy can guarantee "free trade within the range", it will only be a mere 3 or 4 million taels of silver.

The court cannot collect money, which does not mean that the people have no money. As long as the money can be concentrated, even if it is not taken by trickery, if something really happens, it can be requisitioned immediately...

Li Gan has heard Liu Yu's "boasting" about Britain many times, and the boast that makes him most uneasy is that Britain has an annual income of 21 million taels of silver.

Now Britain does not have India, and Li Gan really can't think of how to get 21 million taels. It was even more difficult for him to imagine that in the upcoming War of the Austrian Succession, Britain had raised 50 million pounds of national debt, equivalent to 150 million taels of silver, enough for Dashun to pay off for five years without eating or drinking, not counting interest.

Li Gan had also heard Liu Yu talk about the issue of national debt in Britain several times, and knew that if Britain really wanted to go to war, it could borrow a large sum of money from the people at any time.

Now that Liu Yu mentioned that the funds would be gathered in Songjiang, it would be convenient to borrow money if it was really short of money, and Li Gan was even more excited.

"You just said that if the court urgently needed money and the silver was gathered in Songjiang, how could it borrow the silver? If it forced merchants to donate, it would be difficult."

"You also know about the founding of the country. When Emperor Taizu entered the capital, General Quan had money by plundering the capital, but he couldn't get any money when he asked for donations before. Could it be that this person has changed his temper in our dynasty?"

Generally speaking, the court still has face. Normally, privileges would be exchanged for money, such as donating money to become a student, and the status of a student under the imperial examination system is privileged, which is actually equivalent to selling official positions.

But when it comes to being shameless, the status of the imperial examination is very questionable. Tied to the government, if the government is finished, is this student still useful?

The cruel reality of the fall of the previous dynasty is enough to prove that many people would rather die than give up money. So Li Gan wanted to know how to make money that Liu Yu mentioned?

He could vaguely feel that a large amount of funds were concentrated in Songjiang Prefecture, and it would definitely be easier to borrow money than to borrow money from all over the country.

Liu Yu said: "Please give me an example."

"If you want to punish the Japanese, you will need money and food to start a war. Your Majesty only needs to say: After the war against Japan, force the Japanese to start trade, and the monopoly of trade rights with Japan can be mortgaged."

"Weihai's naval fleet will go around Songjiang and fire a few cannons. Those who know how to do it will understand that our army will win."

"So if we sell it for five years, we can raise three to five million taels in an instant."

"Moreover, the immovable people will not be washed away or lost. There is no need to raise money from outside. Just one trading company that is currently facing Japan is enough to raise money."

"In this way, there is no need to spend a penny from the national treasury. If you punish the Japanese country, you can also ask the Japanese country to pay compensation, and the money will go into the national treasury. Not only does it not cost money, but it also makes money."

"In the future, the trade with Japan will develop day by day. In five years, it will not be difficult to sell a million taels a year. In this way, we can increase our annual income by one million."

"This is one way."

"There is another way. Your Majesty now has a lot of stocks in his hands. In the future, capital will be abundant in Songjiang. If your Majesty wants to borrow money, you only need to use stock annuities as collateral and annuity dividends as interest, and you can raise millions of taels. And it can take no more than ten days.”

"Of course, unless it is an extreme situation, there is really no need. But if the situation of the previous dynasty's Liao's pay really arises, it can be used. It is self-evident which one is more beneficial, to govern a Songjiang River or to collect Liao's pay throughout the country. ”

Li Gan originally had the idea of ​​building Songjiang into a large pig pen to raise fat pigs. What Liu Yu said was in line with his secret thoughts.

For example, the Maoling Relocation Order in the Han Dynasty was a forced redistribution of land to weaken the powerful.

Now, the funds are concentrated in Songjiang.

Businessmen are not powerful and do not need to be weakened at all, because they have no political status in the first place.

So you can borrow money at any time when you need to spend money.

Of course, it's better to just borrow money.

But if something really big happens, and it really comes to the point of subjugating the country and the world, then we can simply take them all away without leaving a single one.

As long as you have money, is there anything you can't do?

When money is really needed, imposing taxes is likely to boil public dissatisfaction. The previous administration is an example.

The smaller the scope, the smaller the impact seems to be when it is really shameless.

In the final analysis, it is still because of money. If the money is enough, the emperor will not be willing to make any changes and will just continue the existing route to the end.

But now, money is scarce everywhere.

Military reform will save money in the long run, but it will cost a lot of money during the reform period; it will cost money to immigrate to the Western Regions; it will cost money to invest in the navy; and it will cost money to set up practical schools.

Does Dashun have the skills of the two Song Dynasties to engage in various government-run monopolies? He has neither the ability nor experience. Considering that the Song, Liao and Xixia wars often cost tens of thousands or hundreds of thousands, Dashun cannot afford to fight.

Li Gan actually thought that in order to facilitate taxation and management of smuggling, some external customs should be closed, gathered in one place, and designated to monopolize trade with the West.

However, the existence of ancestral precepts, coupled with the special transfer of power in the early stage of Dashun, made it difficult to use the ancestral precepts to prove their legitimacy, and he did not have the courage to do so.

Confucian scholars formed a common society, and getting money from those people would lead to competing for profits with the people, or exorbitant taxes, and he did not want to bear this reputation.

When forced to a certain point, Liu Yu's method of making money without competing with the people for profit made Li Gan very attracted.

A war with Japan would cost money again. The treasury still has some foundation, but Liu Yu said that if a pilot project is really launched in Songjiang, Songjiang can attract capital from Jiangsu, Zhejiang, Fujian and even Guangdong. It may even start a war with Japan without using a penny from the treasury. earn……

This further strengthened Li Gan's idea.

In the future, if the one-year trade monopoly can be sold for one million taels, the navy's investment will also be alleviated a lot.

The northwest and northeast have been basically pacified, and it will cost a lot of money to reform the country. But as long as the military reform is completed, it will not be more difficult to fight than Junggar.

Without the threat from the northwest and northeast, it seems that Dashun can really invest more money in the navy that Liu Yu said can "raise the army through war."

Thinking about Liu Yu's words, Liu Yu is quite well-behaved. At least in the insurance business, we hope that the emperor will allow monopoly and exclusive operation, and the emperor will use internal funds instead of Liu Yu to supervise the management.

In addition, he took the initiative to say that there must be a dedicated department for the management of Songjiang Capital, and it should be directly under the emperor's jurisdiction, so he could give it a try.

Songjiang may seem far away, but once the navy is built, it will actually be only ten days away from the capital. In just ten days, the capital was in charge of Zhangjiakou. The navy's ships not only shortened the distance between the world, but also shortened the distance between the capital and Songjiang.

The distance of more than ten days made the emperor feel at ease and feel safe.

If we are going to do it anyway, we might as well do it on a larger scale.

If it is really not acclimatized, just kill it directly. Anyway, it is limited to the size of the land, and it is controllable in the face of absolute military power.

"Well... If that's the case, then we can try it out. For Songjiang Prefecture, the change is the transformation of the original water transport into sea transport. For Songjiang, these changes are also attempts. It can be said to be starting from scratch. I will choose One person goes to host it.”

"This matter does not fall under the jurisdiction of the six governments."

"I have also thought about it. If we want to punish the Japanese in the future, if there is a merchant guild that transports rice by sea, we can recruit soldiers to transport wages and military rations by sea during war. This really kills two birds with one stone."

"I'm afraid it's too late this year. In your opinion, will rice from Songjiang and Suzhou be transported next summer?"

Liu Yu thought about the current specifications of Dashun's maritime trade and thought, is it necessary to wait until next year? If you want to do this this autumn, merchant ships from Fujian, Guangdong and Zhejiang will flock to it and compete to buy shares, and you don't even need to build new ships.

Ten percent of the duty-free cargo volume, the profit from the return of Liaodong soybeans, I'm afraid you don't know how terrible the merchants' desire for profits is.

"Your Majesty, as long as Your Majesty agrees to the request of the Jiangsu Jiedushi, there will be no problem with the sea transportation of Songjiang and Suzhou next year."

After saying that, Liu Yu couldn't help but have a dark idea in his heart... Perhaps, if the Yellow River bursts one day and causes the canal to silt up, with such a foundation, it may be possible to succeed in abolishing the canal and changing to the sea. If the Yellow River does not burst, it will be difficult to change the canal to the sea.