At this time, there was flying snow in front of Jiaoyin Prison. It was approaching the Laba Festival and it was freezing cold. Cai Jing ordered people to add a few more charcoal pots.
Zhang Yue glanced at everyone's expressions.
Everyone didn't say anything in person. I heard that no one was talking about the idea of seducing people into prison, so they didn't pay much attention to it.
Zhang Yue saw that everyone was not aware enough, and he also knew that his views were indeed ahead of his time. In the past, there were evil tendencies in business management, and they deliberately failed to run it well.
Why? I'm just afraid that after the business is done, people will take notice of you and transfer you here and there, and then send someone down to plant peaches or send someone to plate gold, so I'll drag you around there alive and make a lot of money in private. The good thing is that the employees below who don't know what's going on can only scold the leader.
This is also the reason why Zhang Yue wants to establish a board of directors and conduct mixed operations. .
Next, Cai Jing reported to Zhang Yue the one-year operation of the Exchange.
Cai Jingyan said that two treasury banks have requested gold, silver and salt banknotes from the Exchange for loan purposes.
One of them, Yuan Lu, was well-known in Bianjing. Zhang Yue had also heard of him. He said that he had four wishes in his life: first, his clothes would not be torn, second, he would not be able to eat anymore, third, he would find things he found, and fourth, he would dream of ghosts at night. pay.
Regardless of the other three wishes, the fourth wish is a classic and even saves money on visiting the brothel.
On weekdays, Mr. Lu is the one who gets fleas on his back and scratches the paint off the skin of black beans, but his business is "stopping on the bed to relieve the quality of food", which is a business that makes money every day.
Another one is a Hu merchant. This lake is not Huguang, but Taihu. This was a prosperous place in the Song Dynasty, and the merchants were also great.
Hu merchants not only operated the treasury but also had bookstores. The treasury went to Beijing to lend money to the candidates who were elected, re-appointed, and appointed officials. This was called Beijing debt. When Zhang Dexiang learned about Yushan County, he went to take office with a debt of 800 yuan from Beijing. Several distinguished monks in Yushan County generously donated their money to repay the loan and solved his urgent need. Zhang Dexiang also wrote a poem to express his gratitude.
As for the bookstore, Zhang Yue had seen it when he was studying. In addition to helping the scholars with their studies and exams, he also lent money to the scholars.
Now both Hushang and Zhang Yuanwai have approached the Exchange.
Zhang Yuanwai borrowed 200,000 gold, silver and salt banknotes from the Exchange at a monthly interest rate of 6% (annual interest rate of 7.2%). As for Hu merchants, they borrowed 300,000 yuan from the Exchange at a similar monthly interest rate.
Both of them used the property and houses in Beijing as compensation.
Of course, these two families were not doing good deeds and gave the money to the Exchange for free. After they borrowed huge sums of money from the Stock Exchange, they poured the huge sum of money into their own treasury and bookstores, and then loaned it out at higher interest rates.
The library and library were not the last place to lend money. There were people under the library who specialized in lending money to the people and collecting interest at different levels.
Cai Jing heard this was a good idea.
Because it is a taboo for the government to openly lend money to the private sector, it is impossible for the prisoner to come forward on his own. Instead, the money is given to the private treasury to loan the money out. This saves trouble and earns interest every month.
This is like the central bank setting an interest rate and lending the money to local banks. The local banks then lend out the money at a higher interest rate and finally return the money to the central bank at the original interest rate.
The central bank saves the need for private lending.
Cai Jing felt that this deal could be done, and it would also be beneficial to the Exchange.
Because the exchange of salt banknotes in other places requires a 1,000 yuan handling fee and a 50 yuan handling fee.
As long as the exchange can issue loans, merchants can be encouraged to deposit more gold and silver in the exchange by waiving handling fees. Even if the business links are improved in the future, costs can be saved, and merchants who store gold and silver in the Exchange for a long period of time (such as three years or five years) can be given a certain amount of interest.
Zhang Yue looked at Cai Jing speaking plausibly, but showed regret.
Is Cai Jing incorrect?
Isn’t Cai Jing smart?
But yes, can the shrewd Cai Jing be used?
Historically, the annual income of salt banknotes in the Northern Song Dynasty was only more than 2 million guan. Cai Jing reformed the salt law. In addition to salt analysis, Huai salt and Zhejiang salt were also included in the category of salt banknotes. The annual income of salt banknotes in the Song Dynasty reached more than 2,000 guan. It's doubled tenfold.
When Emperor Huizong of the Song Dynasty saw Cai Jing converting salt banknotes into money and moving them into cabinets and cabinets into the imperial court, he proudly said to his left and right: "This grand master is giving me extra money."
People in the Song Dynasty commented on Cai Jing's reform of the banknote method, saying that the imperial court only used salt banknotes, not gold and silver, to reward them.
This sentence seems to be praising Cai Jing, but the next sentence is another one, but one day he is a wealthy businessman, and the next day he is a beggar!
So what if Cai Jing is good at managing money? The Northern Song Dynasty died.
Zhang Yue thought of this and suddenly said: "Everyone, what do you think you are doing by handing me over to prison?"
Shen Yan, Shen Chen, and Cai Jing couldn't help but be stunned.
To lower the price of salt in the capital?
To save the salt banknotes?
For the circulation of salt banknotes?
Cai Jing thought about several answers in his heart, but they all felt right and wrong. With Zhang Yue's words, he would not ask for it.
Ana Shen asked calmly: "Dare I ask the bachelor, what you are doing is a matter of revenue for the treasury?"
Zhang Yue was noncommittal.
Zhang Yue put on his cloak and stood up and walked to the eaves. Outside the hall, there was already snow falling all over the sky. He put his hands into the charcoal basin to warm his hands. After the fire warmed his hands for a while, he said: "Back then, I once said to Wang Jiefu that the money in the world should be divided. For the third class, the first class earns it through hard work, the second class earns profit, and the third class earns it as land rent!”
"How much money do you think I earned from sex?"
Cai Jing said: "Ground rent!"
Zhang Yue said: "Yes, it's the money from land rent! The money from land rent is money born from money. I call it capital!"
"I would like to ask you, is it easier to get money from work? Or is it easier to get money from capital?"
"The annual salary of a Song Dynasty imperial guard is fifty guan, and the interest of 500 guan is still 50 guan at 10% per year. So is the life of the imperial guard worth 500 guan?"
Speaking of this, Zhang Yue thought of the old man who begged in front of the exchange station that day, the man who jumped into the water from Bian Bridge and died, and Liu Zuo who is still unconscious on the couch.
Putting his hands together, Zhang Yue glanced at Cai Jing and said, "Don't forget, this office belongs to the imperial court."
It is too easy to make money through financial means. Once a person gets a taste of it, he will never quit. Just like when people are young and do not engage in production, but want to make a fortune through stock trading or even gambling, even if they make money, they will waste it sooner or later.
Only productivity is the foundation of social prosperity!
Although Cai Jing, Shen Yan, and Shen Chen were momentary talents, what they lacked was vision and structure.
Don't be afraid of clouds covering your eyes, just because you are at the highest level.
The pursuit of profit by capital makes people obsessed with the appreciation of capital, and turns the capital that serves people into people who serve capital.
So what is the purpose of the CTO?
Or why do I, Zhang Yue, set up this reference office?
Zhang Yue thought of Li Hongzhang's words.
To enjoy happiness is not to be an official. As long as you have money in your bag, grain in your granary, and poems and books in your belly, you will be the prime minister in the mountains. I pray that you don’t need to take medicine in the new year, and that you will be free from illness, worry-free, and have no creditors. You will be called a god on earth.
Why do you want to be an official?
For money? It's enough to eat the soft rice of a lady.
For the supreme leader? I am the leader, the leader is dual-minded, and I have the ability to make decisions. As long as I don't stand on the wrong team and follow the steps, I can get up even if I don't have 30 years of experience.
So what do you seek from being an official?
Zhang Yue cast his eyes towards the pond in front of the hall, but saw the snowflakes sinking into the pond and dissolving without a trace.
In addition to working for money and power, the higher level is to display one's ambitions and make one's ideal destiny closely related to the country and the nation.
The country has revitalized because of my efforts, and the nation has risen because of my efforts!
It sounds a bit loud to say it, as vague as throwing a stone into the sea.
However, Jingwei's reclamation of the sea is originally the spirit of the Chinese nation, and generations of sages throughout the ages have also done this, and there will be changes in the sea one day.
In this case, I'll give it a try in this direction, but I don't know if it will work or not.
Thinking of this, Zhang Yue picked up a stone from in front of the hall and threw it into the pool.
A sound of water!
