One of the nine general salt merchants has a deposit of 1 million taels, and the deposit is 9 million taels... and it is long-term and interest-free!
However, the small target set by Zhu Youjian for Zhu Cihong was 130 million taels, and now it is still short of 121 million taels!
Before settling the remaining 120 million taels, Zhu Cixiang smiled and asked the nine salt merchants present: "Are you willing to deposit the 1 million taels as a guarantee?"
"willing!"
"Of course I am willing..."
"I will definitely raise this money as soon as possible!"
For the big salt merchants in Yangzhou City, although one million taels of silver is not a small amount of money, it is not a problem for them. Therefore, the nine salt merchants expressed their opinions one by one and promised to hand over the money to Zhu Cihong's Salt Bank as soon as possible.
"Okay!" Zhu Cixiang said again, "Then let me tell you about the salt tax... The main thing is to pay for grain, 8 million pounds of wheat or rice a year, all delivered in Liaodong.
In addition, you have to pay another 600,000 taels of silver a year to maintain a new Dadu Salt Transport Envoy Yamen.
In the future, there will no longer be six Du Salt Transport Envoy Yamen. There will only be one Dadu Salt Transport Envoy Yamen in charge of the world's salt affairs. Salt tax collection, anti-smuggling of salt, salt price control and salt supervision will all be done by this Dadu Salt Transport Envoy Yamen. unified management.
Most of the salt transport envoys are under the Yamen. Fortunately, there are provincial salt superintendents. Under the salt superintendents of each province, anti-smuggling salt offices will be established.
These 8 million stones plus 600,000 taels will be shared by the nine of your families... It’s not a lot for me to ask for, right? "
"Not much, not much at all..."
When the nine salt merchants heard Zhu Cixiang's asking price, they all breathed a sigh of relief. The salt tax of 8.6 million yuan has certainly increased a lot compared to the past, but in the future no powerful person can ask the nine families for money... Even if there is a little extra money, it will only be given to the great nephew. Your Highness will definitely be able to save a lot of money.
Therefore, the income of the nine salt merchants will definitely increase in the next few years!
After listening to the statements of the nine major salt merchants, Zhu Cixiang smiled and nodded, and then said: "Gu's second big business is the Salt Bank! The so-called bank can absorb savings, issue loans, carry out remittances to other places, exchange and A firm that minted gold, silver, and copper coins, and bought and sold bonds and other valuable instruments.
This bank is a bigger and more promising business than the salt industry... Are any of the nine of you interested in that share? "
In fact, the general salt merchants in Yangzhou also engaged in loan sharking, because the essence of the salt merchant's business was that of a tax collector, and the imperial court did not need the salt merchants to advance taxes in the past. At the same time, the general salt merchants did not allow credit to the offline small and medium-sized salt merchants. Therefore, their business must generate a large amount of cash flow, which will be used to make loan sharks.
Moreover, the southeastern region has developed industry and commerce, and the demand for funds is also large. Lending is still profitable. Of course, the major salt industry merchants will not let go of such fat.
But the loan sharking business of salt merchants is completely different from the banking industry, so they don't quite understand the difference between the Salt Bank that Zhu Cixiang wants to build and their loan sharking business.
But not understanding it doesn’t stop them from investing.
Bai Siwen asked with a smile: "Master Qiansui, how much money do you want us to invest? How many shares do you want us to hold?"
Zhu Cixiang smiled and said: "You don't have to invest too much, just invest 500,000 per family... 100,000 taels per share. The bank's principal is 100 shares in total. The nine of you will take a total of 45 shares, so you can take 55 shares."
Nine salt merchants offered 4.5 million to take 45 shares. Zhu Cihong offered nothing and took 55 shares. This was a really good deal.
However, the nine salt merchants didn't think much, and they all nodded in agreement... Who made Zhu Cihong their general backstage?
In addition to the 1 million that each family had to come up with before, they each had to come up with 1.5 million taels. Although it is a bit stressful, it can still be done.
And 1.5 million times nine is 13.5 million.
More than one-tenth of the "small goal" has been achieved!
Zhu Cixiang continued: "In addition to what I just told you, the Salt Industry Bank also has another business, which is the consignment of salt... In the future, any businessman who wants to buy and sell salt must first purchase a one-year share. The salt leads are obtained, and then the salt merchants in each province are exchanged for salt on a monthly basis. After the salt merchants obtain the salt leads, they can exchange silver with the Salt Bank."
This is another low-cost way to “acquire money”!
The total sales of salt in Ming Dynasty for a year is between 20 and 30 million. Even if Zhu Cihong only had three months' worth of money (he could sell next year's salt production three or four months in advance), that would still be several million taels. Including the previous 13.5 million, it is almost 20 million. There is still 110 million to complete Zhu Youjian's "small goal".
"The last big deal is called Shangtun!" Zhu Youjian brought the topic to the land in the Northeast again, "It is to open up Shangtun in Liaodong... You have to pay a tax of 8 million shi a year, and you still have to pay a tax of 8 million shi. The shipment has to be delivered to Haikou in Liaodong. How troublesome? And you are not a maritime merchant. You have to depend on people's faces when transporting grain. How frustrating is that?
Anyway, Liaodong is now settled, and the imperial court is planning to release part of the fertile land in Liaodong to the wealthy households in the south to establish trading villages. Some land coupons that can be exchanged for land in Liaodong have been made and given to Gu. Are you interested in setting up a commercial village in Liaodong? "
"Master Qiansui," Bai Siwen asked, "I wonder how to sell this fertile land in Liaodong? How much money per acre?"
Zhu Cixiang smiled and said: "The fertile soil in Liaodong is only lent, not sold."
"What? Just lend it out but not sell it? Then how can we lend it out?"
Zhu Cixiang stretched out two fingers and said, "If you deposit two taels of silver in Salt Industry Bank, you can borrow one acre of land coupons. There is no interest on depositing silver, and after the land coupons are exchanged for land, you can be tax-free for five years and tax halved for five years." .”
Zhu Youjian smiled and asked: "How is it? Is the condition pretty good? When you no longer want to farm in Liaodong, you can still withdraw the land and get silver. You can still get these two taels of silver back. And as long as you hold it If the owner of the land does not refund the coupons, the court cannot take the initiative to take back the land coupons or land.”
This is another way to save money without interest!
If the 50 million acres of land coupons can be "borrowed", then 100 million taels will come in... Zhu Cixiang estimates that this matter is not too difficult, and he will have to eat all the nine salts in front of him. Four million acres, which is eight million taels!
In addition, the Southeast maritime merchants who were responsible for the grain and rice imports would also receive part of the land coupons, and the amount would definitely be larger than that of the salt merchants.
With them taking the lead, those old traps who like to store money in cellars will probably fall into the trap... After all, money in cellars will not generate income. If it is stored in Zhu Cixiang's bank, some land can be lent out!
Land that can be cultivated is always scarce!
In addition to the 20 million previously raised, 120 million taels of silver have been obtained!
It's not too far away from the small goal that Zhu Youjian set for Zhu Cixiang... It's almost the same as going to those seafaring father-in-laws to get some savings.
Moreover, Zhu Cihong would not send more than 100 million in cash to Zhu Youjian.
Zhu Youjian, who was preparing to invade Japan, mainly needed military supplies and logistical services...
(End of chapter)
