The Head of the Ming Dynasty Spared His Life

He set up a finance + insurance company in Tianjin.

That is to say, after the fleet of foreign merchants came to Daming, if they were short of money, they could find the three major bank accounts to mortgage the goods or ships, or even borrow money only on credit!

This kind of loan that relies on mortgages or credit has amazing interest.Calculated on an annualized basis, the interest even reached a terrifying 300%!

It is estimated that the usury merchants in Ming Dynasty will feel that they are Buddhas when they hear Yan Song's interest rate.

The profits of foreign trade are amazing, but of course the risks are also great.

The biggest risk among these is credit risk.

But as the three major bank accounts, with Yan Song, the Minister of Kaihai, as the owner, naturally no one dares to owe money and refuse to pay back!

If you dare to take a loan and refuse to repay the loan, then you will never be able to live in Daming for the rest of your life.

Besides, credit 917 loans are made according to your credit and scale.Not completely free of mortgages and appraisals.

The current main way of making money for the three major bank accounts is 80% mortgage + 20% credit loan.The annualized profit has reached a staggering 120%!

Of course, in order to balance risks, Yan Song has specified a strict risk control and evaluation system.It is required to set aside 40% of the reserve fund, which cannot be released for loans.But even so, the annual profits of the three major ticket companies have reached an astonishing figure!

How amazing is it?

Enough to make a money-greedy Jin Laoxi like Yang Bo follow Yan Song wholeheartedly!

It is said that Yang Bo's Jin Party only holds 16% of the shares in Huiliansheng, but the annual dividends have reached the level of tens of millions of silver.

This kind of horrible data tied the Jin Party to Yan Song's chariot, and he was willing to serve Yan Song.

Yang Bo even got to know Yan Song's unfathomable strength through this amazing dividend!

His Jin Party is only a small shareholder of one company, so if he pays dividends like this, how much should he pay dividends if Yan Song holds absolute controlling rights in the three companies?

Yan Song, how much money is there?

Yang Bo didn't dare to guess, nor did he dare to think.

He only knew that even the emperor had to rely on Yan Song for financial management.

Cough, it’s getting too far, in short, Yan Song took advantage of this era, people’s ignorance and confusion about finance, and their disregard for the time value of money, has successfully built a financial empire hidden under deep water!

An extremely powerful financial empire!

The huge amount of private funds attracted by the Ming treasury, the emperor's internal treasury, and bonds are all under Yan Song's dispatch and command, serving Yan Song's grand goals.

Yan Song has long been wealthy beyond rivals, and even despises the emperor's wealth, but his ambition is far from being satisfied and making money.

What he wants to pursue is to control Daming's finances, drive Daming to enter capitalism step by step according to his own ideas, and become the absolute leading capitalist power in the world!

The emperor of Ming Dynasty may be named Zhu, but the real ruler will always be Yan Song!

Of course, as the leader of the Qi Party, Yuan Shijiao can only speculate about all this, which is far from the truth.Even if Yan Song told him the truth, he couldn't believe it.

In his eyes at this time, only the 500 million taels of silver notes...

On the way home, Yuan Shijiao stopped by Huiliansheng, and exchanged 300 million of the money allocated by the emperor into 30 taels of gold and shipped it back home.

Thanks to Huiliansheng's good reputation, it can be exchanged at the official price ratio of one to ten.If the ticket number is changed, an additional [-]% to [-]% fee will be charged for gold exchange.That is, according to the ratio of one to eleven, or one to thirteen. (bfce)

30 taels of gold, that is 3 catties, converted into a modern unit of measurement, is 15000 kilograms!

A full 15 tons of gold.

The whole house is covered in golden gold.

Yuan Shijiao was alone, sitting in the room without lighting a candle, still being illuminated by the moonlight reflected from the window by the gold in the room, his eyes were dazzled and straight...

He has never seen so much gold in his life...

At this time, Yuan Shijiao only had gold in his mind, and the three words Jiajing warned him had already been thrown to Java by him.

"Gold, gold, hehehe." Yuan Shijiao's eyes became hot, and he squeezed the tens of millions of silver notes Jiajing gave him, and his smile became evil: "This is a chance to make a fortune."

In fact, Yuan Shijiao was also a well-known courtier of the Jiajing Dynasty. He was usually smooth, but he also talked about the righteousness of Confucius and Mencius, otherwise he would not have been able to be the leader of the Qi Party and become the Minister of the Ministry of Industry.

But it's a pity that money touches people's hearts, and people die for money and birds die for food.

Jiajing's mistake was that he should not have handed over 1500 million silver to Yuan Shijiao without supervision.

In the face of such huge interests, Yuan Shijiao was lost.

Of course, Jiajing's cruel methods of dealing with corrupt officials, as well as the emperor's shrewdness, also prevented Yuan Shijiao from losing its last sanity.

All night, he has been thinking hard.

Finally, when the sun shone through the window the next day, Yuan Shijiao slowly pushed the door open.

In his eyes, there was a light of knowing everything in his chest.

"Well, this method will definitely work! No one will find out!"

Yuan Shijiao looked back greedily at the gold in the room, locked the door with his own hands, kept the key close to him, and ordered the housekeeper: "No one is allowed to approach this study!"

He strode out and went to work in the Yamen of the Ministry of Industry.

As soon as he arrived at the yamen of the Ministry of Industry, Yuan Shijiao saw a person wearing a fourth-rank official robe and walked out, frowning.

The man also saw Yuan Shijiao, and it is said that Yuan Shijiao is a minister, so he should salute as a subordinate.