Chapter 097
In future generations, the most profitable industry is actually not real estate, nor the Internet, nor new energy, nor oil and natural gas, nor computers and mobile phones, but the banking industry.
Cheng Shijie saw statistics compiled by a group of professional organizations in later generations. Among the world's top 500 companies, 136 Chinese companies have entered the market, including ten banks. The profits of these ten banks have reached the level of the Chinese shortlisted companies. 41.7% of total profits. As an upstart in China's new energy vehicle industry, BYD's profits in three years can only catch up with those of the six major banks in one day.
Banking is one of the most profitable industries, but the problem is that the threshold for private banks is too high. Even if you want to get involved, you have no chance. But in the Ming Dynasty, there were not so many scruples.
But the problem is that banks make so much money, but no one can see it.
"The biggest difference between a bank and a bank is that a bank lends other people's money and uses other people's money to make money, while a bank uses its own money to make money. No matter how much money a person has, he cannot have the money of everyone in the world. many!"
Cheng Shijie also understood Yang Yunniang's concerns. The financial environment in the late Ming Dynasty was different from that in later generations. In later generations, it was the era of virtual currency and mathematical currency. Money was just a number. Whether it was for billionaires or ordinary people, money was basically placed in the bank. There will be no shrinkage or loss.
But the Ming Dynasty was different. Although the Ming Dynasty also had silver notes, in daily life, they were mainly copper coins and broken silver. Like the boxes of silver ingots in movies and TV series, they could only appear in bulk material transactions. Moreover, silver itself is a metal and is easily oxidized in a humid environment. Once silver is oxidized, it will inevitably be lost. This is the real reason why banks charge depositors a custody fee when they deposit money.
To give a very simple example, the storage interest rate in banks in later generations is generally about 3%, and the average commercial and housing loan is about 6%. Different banks have different fluctuations.
The daily profits of all banks in China relying on housing loans will be 22 trillion yuan in 2021, and the banking industry will be about 8.3 billion yuan every day. Note that this is every day.
To be fair, opening a bank in ancient times was more profitable than in later generations, because the interest rate of banks in this period, due to the loss of fire consumption, was 300 to 400%. In later generations, this interest rate would all be usury.
As long as you borrow money, there is no possibility of not being able to repay it. In Wang Anshi's reform, he proposed the Green Seed Law with an annual interest rate of 20%, which was called good governance. If you leave it, you will be scolded.
Cheng Shijie has a special understanding of the interest rates of banks and departments. Although it is not as exaggerated as 300% to 400% in the early Song Dynasty, there are still more than 780%. 340% is considered a conscientious bank.
Cheng Shijie just sat down and patiently explained to Yang Yuniang: "What are the deposits taken in for? Of course they are lending! You lend the deposits taken in to people who are in urgent need of large capital turnover, and set the loan interest rate higher than the deposit interest rate If it’s ten times higher, you’ll make money!”
Yang Yunniang was stunned and said: "Can we still lend money?"
"Nonsense, after all the hard work to attract deposits, of course it is for lending!!"
Cheng Shijie said: "The food and accommodation of Ning Navy officers are all covered by the Ning Navy Military Headquarters, the commander. The soldiers can't spend much money at all. If you propose an annual interest rate of 5%, they will definitely flock to it. Ning The admiral will keep the money in the bank unless necessary. You can lend the money out. We don't have to be too shady. The annual interest rate on the loan is 20%, even if there are labor costs and fire losses. The net profit will also exceed 10%.”
Yang Yunniang finally understood what Cheng Shijie meant, and understood that Cheng Shijie was indeed as reliable as before. This move was like borrowing a chicken to lay an egg. Use other people's chickens to lay eggs for yourself.
He uses a certain amount of interest to absorb deposits, and then lends them. The loan interest minus the deposit interest is his profit. This business... is successful!
It's like using other people's money to lend money, but the money earned belongs to you. You would be a fool not to do this kind of business!
Seeing the light in Yang Yunniang's eyes, Cheng Shijie smiled and said, "Do you understand now?"
Yang Yunniang nodded vigorously and said: "I understand, the commander-in-chief is really unpredictable. If you really start this business, it will be difficult not to make money. Even if the commander-in-chief is not an official, he will not be able to use his business skills alone." How long will it take to become the richest man in Ming Dynasty!"
"The richest man is nothing. The fat pig's final fate is to be stabbed!"
"but……"
"But what?"
"However, if we do this, I'm afraid it will arouse the hostility of those banks and cut off people's wealth, just like killing their parents!"
Cheng Shijie smiled disapprovingly and said: "They don't accept it, so they can only endure it. If they dare to act recklessly, will I, the commander of the 20,000 Ning Navy, be a vegetarian?"
Yang Yuniang thought about it and it was right. Cheng Shijie had a lot of troops, and there was no government office in southern Liaoning now. Even if there was a government office, what would happen?
General Cheng Shijie was not a military general who could be manipulated by civilian officials. He was aggrieved, and Ning Haijun directly rebelled. If the government established in Liaonan in the future dares to trouble Cheng Shijie, Ning Haijun's soldiers will kill those soldiers without his order. The official was buried alive.
"Now that you have figured it out, you have to remember that we just want to steal meat from the banks. The interest rate of our Liaonan Bank must be lower than that of the banks. From the beginning, we set the annual interest rate for deposit profits as 100%. Fifth, the annual interest rate on the loan is 20%. Also, the loan repayment date is looser than that of bank loan sharks, so that both savers and borrowers should feel that it is cost-effective to save money and borrow money from you."
"Commander, there is one more question!"
"What?"
"What if, what if... slaves, what if they can't repay the loan or run away?"
"Wouldn't you evaluate the other party's ability to repay the loan in advance?"
Cheng Shijie looked at Yang Yuniang and said, "You don't want to just grab a random person on the street and lend money, do you? If you have this idea, I can only withdraw your appointment as bank general manager."
Yang Yunniang was a little embarrassed.
"Before lending, you should assess his repayment ability and fixed assets in advance! Make sure he has the ability to repay the loan before lending! Also, before lending, you must conduct a detailed assessment of the other party's fixed assets. If the other party repays the loan when it is due, If you can't afford a loan, just use his fixed assets to pay off the debt. Anyway, the bank will not suffer any loss. Of course, the cost of evaluating the fixed assets will be borne by the other party."
Yang Yuniang thought for a while and said: "In this way, the risk is greatly reduced! But if the other party borrows a loan, sells the assets in his name, and absconds with the money, what should we do?"
Cheng Shijie said: "If we use land as mortgage, we will collect their land deeds and use houses and shops as mortgages. Without house deeds and land deeds, we cannot transfer the ownership. If anyone still trades knowing that the other party does not have a contract, the transaction will be invalid. Ning Haijun is responsible for helping the bank Forced to take it back!”
Cheng Shijie still has some conscience. Unlike later generations, when the bank lost the depositors' money, the court sentenced the depositors to bear 80% of the responsibility. Moreover, the problems caused by the employees were actually the employees' personal responsibility and had nothing to do with the bank. This is a fucking double standard. If an employee of a company is injured at work or due to human error during work, the company will bear full responsibility for the loss.
Things change when you get to the bank. This is really a typical double-standard dog. (I would like to advise you not to trust private or small private banks, or rural commercial banks restructured from local credit cooperatives. The water inside is very deep, so be careful not to be fooled)
Jinzhou Guard has now become a huge construction site and should not be called an ant nest-like construction site. There are many places in Jinzhouwei that are not suitable for land reclamation, so Cheng Shijie designated these hills and mountainous areas made of gravel and stones as industrial land.
In order to build factories, the hills in Jinzhouwei will be blown up, and the rocks will be used on site to become building materials for building factories. Of course, the trees on the mountains will not be wasted, and will be cut down in advance, and can be used as lumber. When sent to the woodwork factory, the trees that cannot be used as wood are either burned as firewood and burned into charcoal. Charcoal is also the main raw material for making gunpowder. Ning Haijun's factory originally built in Ninghai Prefecture was gradually rebuilt in Jinzhou Wei.
There are more than 100 factories including carriage factories, ironware factories, farm implement factories, tooth powder factories, soap factories, canvas factories, textile factories, brick and tile factories, briquette factories, cast iron stove factories, shoe and socks factories, quilt factories, etc. Construction begins simultaneously.
Building factories and building roads requires the use of large amounts of steel, cement, lime, bricks, and sand, and requires a large number of workers, which almost absorbs Ning Haijun's surplus labor force. The pit owners who produce lime and bricks work two shifts day and night, but they are still too busy.
So many factories naturally require a lot of manpower. As Cheng Shijie established his foothold in southern Liaoning, more and more surviving people from Liaodong also crossed the sea. As long as their hands are not afraid of fatigue and their feet are not afraid of the long journey, they can work in southern Liaoning. Find a job that suits you. Through work, you can earn food and wages.
Now Liaonan has begun to build factories and produce products at the same time. As time goes by, various production and daily necessities have increased on the market in Jinzhou Acropolis.
However, as the surviving people from Liaodong flocked to southern Liaoning, many problems arose. First of all, the Ning Haijun army was a bachelor army, and most of the field soldiers were bachelors. They were originally at Dengzhou Weizuo Qianhu Station. , it’s hard to see women. Especially as people from Liaodong flocked to southern Liaoning, the issue of men and women became very serious.
He found Zhou Yandong and ordered Zhou Yandong to strengthen inspections and organize night patrols. If he found anyone peeping at women, he would immediately catch them.
In the absence of established military discipline requirements, Cheng Shijie did not want to impose any punishment on these soldiers for the time being. He could also understand the feelings of these soldiers. Even for a professional army in the 21st century, the temptation of women is quite irresistible. This problem cannot be solved by simple orders. It requires a set of reasonable systems and structures.
There are some problems that Cheng Shijie cannot solve. In the troubled times of the late Ming Dynasty, the cheapest thing was human life. Of course, when human life is not valuable, dignity is even less valuable. There is a supreme upper line for a person's moral level, but it is also ridiculously low.
In order to survive for a bushel of grain, a yellow-flowered girl sold it as soon as she was told. As for how they sold and what happened to them, no one cares. Just like when Cheng Shijie adopted his four adopted sons and daughters, Cheng Shi, Cheng Hu, Cheng Jingjing, and Cheng Anning, he actually didn't spend much money.
If Cheng Shijie wants to be a beast, no one will pay attention to the fate of Cheng Anjing and Cheng Anjing. There was not even a hint of coercion in this buying and selling process. If Cheng Shijie was willing at that time, he could even adopt hundreds of children without spending a penny.
Not to mention the issue of forcing or not forcing, some people have become accustomed to this kind of indifference, and their ultimate goal is to survive. As long as Ning Haijun's soldiers carry a few steamed buns or steamed buns while eating, many women will be willing to follow them into the woods or uninhabited corners.
In this case, Cheng Shijie must pay attention to this problem and properly solve it. Once something goes wrong on this issue, it will be a big problem.
Secondly, there is the issue of hygiene.
Are there any diseases among these Liaodong refugees? Are there any infectious diseases? No one will answer this question because almost all refugees in Liaodong are in a sub-healthy state. Cheng Shijie didn't want the refugees in Liaodong to infect his troops with the disease. If a plague spread, not to mention the 20,000 troops in the Ning Navy, or even the hundreds of thousands in the entire southern Liaoning, it would be possible for them to die within a few months.
For this reason, Cheng Shijie had to build two huge bathhouses for men and women in the North City of Lushun, outside the mighty city, using wooden railings, soil, and weeds. In order to avoid hygiene problems, these bathhouses were all independent wooden barrels. And it needs to be disinfected repeatedly with quicklime and salt.
First, take a bath, boil the clothes of the refugees in a large pot, and after high-temperature disinfection, put them in the drying room for forced drying. After the refugees from Liaodong have taken a bath and put on their old clothes, they can Along the official road, a distance of 120 miles, Cheng Shijie set up four more inns. In this way, there were eight inns from Lushun in southern Liaoning to Acropolis in Gaizhou.
These eight inns will not only become supply points for these Liaodong refugees, but also become health observation points for these Liaodong refugees. One hundred and twenty miles away, for the Ning Navy officers, it only takes one day of forced march to get from Lushun arrived at Jinzhou Acropolis.
However, the problem is that the physical fitness of these refugees from Liaodong is too weak. They can barely walk thirty miles a day and can only move slowly.
The first post station from the mighty city of Lushun to Jinzhouwei was originally called the Fenghuo Station because the original site was a beacon tower. However, in the eyes of the refugees in Liaodong, this place became a paradise station.
At Paradise Station, the first meal eaten by the refugees in Liaodong was not rich. It could be said to be very simple. It consisted of smashing wheat and cooking it together with rice, mung beans and other grains in a pot. There were no pancakes or accompanying food. However, these refugees from Liaodong ate with gusto.
Many refugees in Liaodong even had tears in their eyes after eating. They slept in houses with fire walls and fire beds, and no longer had to freeze in the ice and snow. These people, regardless of gender, old or young, all shouted: "Long live Marshal Cheng!"
Especially when they saw Cheng Shijie patrolling in Jinzhou City, these Liaodong refugees would kowtow to Cheng Shijie. This scene made Cheng Shijie a little at a loss. He helped this one and then knelt down. In the end, Cheng Shijie simply No more support. While smiling bitterly, he shouted loudly: "You don't have to be like this."
When Song Xiance saw this scene, he even shouted excitedly: "My lord, it is your destiny to return!"
Cheng Shijie sneered at Song Xiance's so-called destiny.
The people of ancient China were more simple than the people of later generations, and they were more likely to be satisfied. When Cheng Shijie gave them a bite of food, they were moved to tears. Cheng Shijie gave them a nest that could protect them from wind and snow, and there were also The stove keeps warm. In their hearts, Cheng Shijie is a saint.
Since Lin Xuzong followed Chen Guodong to Ning Haijun, he originally wanted to join Cheng Shijie. After learning that Cheng Shijie's Ning Haijun and Chen Guodong had not been authorized by Futai Sun Yuanhua, they launched a mutiny because Zhang Shigang, a small steward of Zhang's family in Laiyang, Cheng Shijie was kidnapped.
Lin Xuzong felt like he was in an ice cellar. He thought that the Laiyang Zhang family was doomed, but the problem was that the Laiyang Zhang family had not completely lost their incest. There was also Zhang Sicheng, deputy envoy of the Shanxi Anchasi, who was from the same province. The highest judicial officer, equivalent to the president of the Provincial High Court and one of the three divisions in later generations.
As long as Zhang Sicheng, the deputy envoy of the Shanxi Procuratorate, did not die, the Zhang family in Laiyang might overturn the situation, so Lin Xunzong, who was as smart as Lin, never sought refuge with Cheng Shijie.
But the problem is that this time his judgment was wrong again. Ning Haijun actually reached a reconciliation with Sun Yuanhua. At the same time, the crime of annihilating the Zhang family in Laiyang was actually placed on Kong Youde. What is even more strange is that the deputy envoy of the Shanxi Ancha Division Zhang Sicheng actually took the blame for forcing Kong Youde to rebel.
The Zhang family in Laiyang fell, and there was no chance of a comeback. At this time, Lin Xuzong discovered that Cheng Shijie seemed to be sitting on a rocket and flying straight into the sky. He not only became a rankless general, but also became a conquest general and the governor of the left.
As expected, those who steal the hook will be punished, and those who steal the country will be martyred.
Seeing countless people kowtow to Cheng Shijie, Lin Xuzong found an excellent opportunity. He straightened his clothes and said proudly to Cheng Shijie: "General Cheng, since Lin passed the examination and became a scholar, he has the ability to not kneel before officials. Lin has never knelt down to anyone. Today's exception is not because of General Cheng's contribution to Ping Kong Youde's rebellion, nor because General Cheng killed hundreds of slaves, but because General Cheng saved these Innocent people."
Cheng Shijie said calmly: "I couldn't bear it for a moment. Living people were being driven and killed like animals. I really couldn't bear to watch, so I took action rashly."
"A general who has this thought can join the ranks of famous generals... General Cheng can join the ranks of famous generals!"
Cheng Shijie naturally knew that Lin Xuzong was flattering him. However, the problem was that everyone likes to hear good things, and Cheng Shijie was no exception.
"Educated people are different. Even flatterers are so refined.
His eyes couldn't help but fall on Ma Shilin beside him. Now Ma Shilin had a rival.
Cheng Shijie thought that Lin Xuzong would only live for a few moments, but he did not expect that Lin Xuzong continued: "General Cheng has a majestic mind and a noble mind. He is really a dragon and a phoenix among men. Although he is relegated to the frontier today, he will definitely be a pillar of the temple and a phoenix in the future. There should be a place for General Cheng in the pool..."
"It's passed!"
Cheng Shijie smiled and said: "In the more than 270 years since the founding of the Ming Dynasty, who has ever had a warrior enter the cabinet? This is no longer the time. In the Han and Tang Dynasties, it would have been possible for generals and generals to defeat each other, but it is a pity that the Ming Dynasty can no longer tolerate it. A warrior!"
"General Cheng is humble!"
Lin Xuzong said: "General Cheng is indeed extraordinary. No wonder Chu Yanggong's wise eyes caught the general in the corridor. It was Lin who met for the first time recently, but he was also impressed by General Cheng. Unexpectedly, there was also General Cheng in the army. For people like generals, Lin believes in his talents, but he underestimates the heroes of the world..."
"Ha ha!"
Cheng Shijie is not complacent, nor does he think that he has the "spirit of a king", nor does he have the ability for the world's heroes to bow down to him when they see him.
"Cheng's origin..."
"General Cheng, you have the right to be a hero regardless of your origin. Otherwise, wouldn't it be true that Liu Jinu, the great ancestor of the Han Dynasty, and his like were all lies?"
Cheng Shijie narrowed his eyes and stared at Lin Xuzong in front of him.
With Song Xiance by his side, Lin Xuzong's words are already a bit treasonous. Could it be that he has the physique to attract rebels?
At this moment, there was a noise from the front.
Cheng Shijie followed the sound and saw a strange army appearing on the official road. The clothes were in tatters, everyone was skinny and skinny, and the weapon in their hand was only a wooden stick.
Huang Long, the commander-in-chief of the Dongjiang Army, moved very quickly. However, the problem was that the mobilization of 24,000 men and horses was not an easy task. Even with the transportation of naval battleships, it was still difficult and stressful.
But the problem is that Huang Long himself has no time to waste, because he really has no food. When a person is in a difficult situation, his brain will inevitably open up.
Huang Long issued a mobilization order for the Dongjiang Army in Lushun. As a battalion of soldiers gathered, he sent 3,000 troops along the path of the Liaodong refugees to the Jinzhou Acropolis at an extremely fast speed.
Originally, Cheng Shijie wanted Huang Long to send the team directly to Gaizhou Guard. After landing from Gaizhou Guard, they could go to the front line of Stone Castle after changing their equipment.
"Did you all come here empty-handed?"
Cheng Shijie felt a little displeased when he saw that the general leading the troops was actually Mao Wenlong's adopted son Mao Chenglu.
Mao Chenglu hurriedly explained: "Cheng Shuai, there is nothing we can do. The Dongjiang Army is really too poor..."
Cheng Shijie pointed at the soldiers of the Dongjiang Army under Mao Chenglu and said: "Your weapons are so bad! This kind of spear cannot penetrate the iron armor of the white-armored soldiers of Jiannu!"
PS: I finally wrote it today. Now Lao Cheng’s brain is in a down state. Counting from last night, he slept for less than three hours. He was too sleepy. As the saying goes, hemp ropes only break at the thinnest places, and bad luck only seeks out misfortune. Lao Cheng has been in the hospital these days. Lao Cheng's father has been diagnosed with lung cancer and the situation is very pessimistic. Today, an author friend came over to visit his father. He was asking me, Lao Cheng, how can you still update now? Does Lao Cheng have any other ideas? No, now Lao Cheng has taken leave, and his salary is basically gone. He can only write books, but this book... I also know that it is difficult for everyone. It is not easy for anyone to wear a mask for three years, but Lao Cheng still wants to Please help me. I have sent the Shuidichiou link to the book group. I am not calling on everyone to raise funds. I hope everyone will lend a helping hand if they can. If possible, prove it to Lao Cheng, forward it to their respective circles of friends, and spread the word. For a moment, I believe that there is still love in this world and there are many good people. In addition, this text was changed after it was published and will not be calculated into the number of charged words.
(End of chapter)
