Number of People

  Chapter 625 What is the most lacking thing in the seventeenth century? It's talent!

  In the capital city, there are many clans, martial arts, and meritorious families, and they have spread out. In the past hundred years, an extremely large group class has also formed in the capital city.

Whether it is the clan or the hero of martial arts, the feudal title needs to be descended, so after a hundred years, even the prince and the county king, after three or four generations, have become the type of Hou Bo, and more side branches are born. It has gradually evolved into a rentier class that is slightly better than the ordinary citizen class. If there are two or three more generations, it is estimated that it will really evolve into an ordinary citizen.

   Of course, there are still some outstanding people among them, but most of them have got rid of the shackles of this layer of identity, but most of them are still at this stage.

Lost the status, but still can't hold the face. There may be one or two old houses or decent old things in the house. Compared with the top and the bottom, there is more than the bottom. There is no wealth, but it is not enough to suffer from hunger and food. class.

What Feng Ziying and King Zhongshun were talking about was to take advantage of the impression Haitong Yinzhuang formed among the clan, merchants, and even the court, to mobilize the people of this class, and let them attract the old background of the family and lend usury There is no way the risk is too high, but although the interest rate is low in this Tonghai Yinzhuang, it is better than a safe one, which is better than the moldy one buried in the ground.

   King Zhongshun also admired Feng Ziying's plan and vision.

  Dazhou, or Shuntian Prefecture does not have an accurate statistics on the population of the entire capital city, but the preliminary estimate should be around 1.2 million people.

Among them are the descendants of the clan, martial arts, and meritorious officials, as well as the relatives of merchants, gentry, merchants, and gentry from all over the Dazhou, whether they were forced or voluntarily relocated, plus civil and military officials, Beijing camp officers, and even some surrounding border army officers. They and their family members can barely be called the upper middle class group of this era, and it is estimated that there will be no less than 70,000 to 80,000 households, or more than 200,000 people.

For such a huge group, basically every household has savings of three or five taels of silver or even more. If averaged, Feng Ziying estimates that the savings of each household will not be less than two hundred taels of silver. If the savings of such a large group can be included in Haitong Yinzhuang, it will easily exceed 20 million taels.

  Of course, this is only an ideal number, but considering the unfathomable clans, wealthy merchants, families of military heroes, and the huge gap between the rich and the poor in this world, this number may even be more conservative, and it is possible to double it.

   This is a long-term guidance process. If the savings of these people can be mobilized, even if Haitong Yinzhuang can only get a spoonful of the largest share of it, it will be enough to support many of Feng Ziying's future plans.

   This question has been lingering in Feng Ziying's mind. Even after leaving Zhongshun Palace and returning home, he is still thinking about it.

King Zhongshun should have put a lot of thought into it. According to what he said, the amount of shares invested by the clan may exceed one million taels, and may even reach more than one and a half million taels. This is also far beyond Feng Ziying's expectations. It seems that three to five million taels should be a reasonable number, but I didn't expect King Zhongshun to be so powerful.

  If you add other merchants and military heroes in the capital city, and more than two million taels of shares, the capital city alone can be easily managed, and Feng Ziying is surprised at how smooth it is.

The success of the stock offering also brings another pressure, that is, all these capitals need to be loaned out, otherwise, no matter how low the interest rate is, such a large amount is enough to make it difficult for this newborn baby to survive. confidence.

  According to the terms discussed by Zhongshun Wang and Feng Ziying, Haitong Yinzhuang can withdraw its shares after one year of official operation and dividends, but there will be no supplementary fundraising after the withdrawal.

Jingshi City can raise more than 2 million shares, plus the shares from some merchants in Yangzhou and even Jiangnan, Feng Ziying is confident that the share capital of Haitong Yinzhuang will be raised to 5 million taels, plus the capital deposited in the account The capital of seven or eight million taels needs a place to go to satisfy the hungry eyes of shareholders. This has already made Feng Ziying, who was originally full of confidence, feel a pressure.

  So a lot of work that I thought could be let go needs to be started as soon as possible, especially looking for more suitable lenders.

The development of industry and commerce in this era has seen some improvement, especially once the policy of opening up the sea is released, silk weaving, cotton spinning, tea making, ceramics, medicinal materials and other industries that are originally the main export industries will immediately usher in a wave of explosive expansion. Haitong Yinzhuang has an opportunity, but how to resolve risks and lend accurately has become the top priority of Haitong Yinzhuang, a crab eater.

The imperial court started the construction of Denglai, opened up the Denglai-Liaonan route, opened up the Denglai-Ezo-Haixi, and Savage Jurchen line, from the construction of the wharf to the shipbuilding of the shipyard, and then to the exploration and colonization of the route, all need support, except for some funds allocated by the imperial court. , Many of them need to be supported by loans.

   This is also the exchange condition for the cabinet to agree to open an account in Haitong Yinzhuang.

   Don’t think that these old guys can’t see clearly the doorway here. They are also very clear about the benefits that the court’s endorsement of Haitong Yinzhuang will bring to Haitong Yinzhuang.

   It is time to consider who will take up the future management responsibility of Haitong Yinzhuang.

  Feng Ziying tentatively solicited King Zhongshun's opinion at the palace of King Zhongshun, and King Zhongshun also found it difficult.

After all, the nature of this kind of bank is completely different from that of ordinary money shops and banks. It is not only aimed at making profits, but also shoulders some political tasks of the court, and its business is basically similar to the usury model. Of course, from the purpose of , Interest rates, risk control, etc. are completely different, but in the final analysis, it is to make money from lending, support the development of industries, and provide development convenience for industry and commerce.

   As far as these three purposes are concerned, for other shareholders, the importance of them decreases in descending order, but in Feng Ziying's mind, profit and industrial development need to be dropped one by one.

The problem is that there are too few people who can understand these meanings and be responsible for carrying them out. They also need to know how to make a living in this area, and they have to be able to convince Feng Ziying and Zhongshun Wang, two silver villagers, in terms of loyalty and credibility. This is even more difficult if recognized by the primary sponsor.

Feng Ziying reckons that in the end, Duan Xigui may have to try first, Jia Lian will assist, Duan Xigui will be responsible for the main business, such as storage and loan risk control, and Jia Lian will be responsible for daily administrative affairs management and response. If King Zhongshun is not at ease, he can also provide One or two suitable candidates.

  Start with the Yangzhou ship, and strive to complete the Haitong Yinzhuang Yangzhou ship within three months, and then consider the Jingshi ship.

  The preparations that Duan Xigui made in Linqing in the past few years will also come in handy.

  If it is really not good, you can only use all the people who can use it first, and choose slowly during use.

  Feng Ziying even considered whether to call back the two boys who were transported to Lin Ruhai and the two boys in the Siyamen to use them first.

   I also thought about making some preparations in this area before, but I didn't expect King Zhongshun to make such fast progress.

This also made Feng Ziying realize that she still underestimated the people of this era, and also underestimated the abilities of clan princes like King Zhongshun. Some people are not incapable, but their specific identities limit their performance and performance. King Zhongshun should belong to this category.

  Duan Xigui and Jia Lian are not special talents, but now there is no general in Sichuan, Liao Hua, as the vanguard.

At least Duan Xigui had run Fengrunxiang, had the experience of operating a business or a "chain enterprise", and was also very familiar with new arithmetic and double-entry bookkeeping. Jiangnan merchants can make sense of it.

Jia Lian is a bit mediocre, but his advantage is that he has enough status, a stable and gentle personality, and a dignified appearance. He is also a strong point in dealing with people, and his ability to socialize and coordinate with others is barely passable. If he is trained and polished, he can barely afford it .

  Thinking about Feng Runxiang, Feng Ziying thought about it, maybe Xue Biao could also be used?

  Although Xue Biao is a little younger, this age is barely passable, especially for him to learn to do things, which is very beneficial, but the only obstacle is that he is still in the filial piety period.

He has just passed half of the three-year and twenty-seven-month filial piety period. Although Xue Biao is not an official, he can be regarded as a post-official official. It is still easy to attract criticism and accusations, and Feng Ziying still dare not take such a big disgrace from the world.

  But Jinling is also a key point of the layout of Jiangnan in the future. The entire core city of Nanzhili will sooner or later set up the Haitong Yinzhuang Jinling, so Xue Biao can learn to organize it first, and when the time is right, start it first.

  To do things these days, there are really only these choices, whether they are relatives or old friends, or classmates and friends.

  You can't even trust yourself, how dare you entrust your confidant to him?

  Duan Xigui is a blood relative. Needless to say, Jia Lian has also known each other for many years, so he knows his roots well. Xue Biao also has a lot of connections and can be trusted. Others, who can Feng Ziying trust?

   There are quite a few classmates, but they all want to go to official careers, where is it possible to make a living as a businessman, no matter how beautiful they are, it is impossible to make these people change their minds.

  Backing back to the mansion full of thoughts, Feng Ziying really felt that she had been in this world for so long, and there were not many talents around her that could be used. This is also worth summing up experience.

  Wang Wenyan's team has a few available people, but the contact time is still short, and it is still in the investigation period. Except for Wang Wenyan and Wu Yaoqing who are gradually gaining trust, the others still need to be observed.

   I am not in good health, but I still have to persevere on the first day of each month. Lao Rui is sick and begging for a ticket!

  (end of this chapter)