"Xin Zheng is just pragmatic and not talented. He is willing to borrow this money, and he can borrow it."
As soon as these words came out, Zhu Zaiyu was a little stunned.
Zhu Zaiyu also knows that he is pragmatic and wealthy. Although he is a person who devotes himself to studying knowledge and does not usually admire luxury, he is the crown prince of Prince Zheng after all. In this case, the Guoshi soap from Jinghua Soap Factory is naturally his favorite. How could he not know Gao Pragmatic's net worth?
Moreover, the highly pragmatic Jinghua Cement Henan Branch is located near his home, Prince Zheng's Mansion, and many raw materials are produced from Huaiqing Mansion. How could Zhu Zaiyu not know whether these factories and mines were profitable, let alone a few years in advance? The "300,000 Liang'an refugees" incident made Gao Pingshi famous all over the world.
Although the price ratio of gold and silver fluctuates from time to time, generally speaking, it is not a big deal if one to ten is considered. So one hundred thousand gold is equivalent to one million taels of silver, which is equivalent to one-fifth of the income of the imperial court last year.
Of course, apart from the fact that the imperial court is really poor, there are actually many rich people in the world. Not to mention the big salt merchants, there are many rich people just including the princes and ministers.
Honorable ministers such as the Duke of Wei in Nanjing, and half of Nanjing city can be regarded as his family's property. Now, he may have too much money and no place to spend it, so he has to overhaul the garden. There are sixteen famous gardens in Nanjing, including West Garden, Fengtai Garden, Wei Gong South Garden, Sijinyi East Garden, Wanzhu Garden, Sanjinyi North Garden, Jinpanli Garden, Jiugongzi Homeland, Mochou Lake Garden, etc., among which there are 16 famous gardens in Nanjing. All are famous gardens built by his family.
How expensive it is to build a garden. You can get a glimpse of it by thinking about Cixi's garden. Although the garden built by the Xu family cannot be compared with the Summer Palace, after generations of people have been building gardens, it can only be said that there is too much money and no space. it took.
The nobles are powerful, and the vassal kings are not bad either. Although the most famous wealthy vassal king Fu Wang in the Ming Dynasty was not born yet, other vassal kings who have been passed down for a long time are relatively wealthy as long as their fiefdom positions are not particularly bad. Compared with The Duke of Wei and the Xu family are incomparable, but those who can take out one million taels and take out one million taels like Gao pragmatism are at least ten or above.
Of course, only the vassal kings are rich, not some clan members with distant bloodlines. Although the money and food spent every year to support the clan has long been a big burden to the court, the living conditions of the lower-level clansmen are actually quite poor, especially the clansmen in the four provinces of Shanxi, Henan, Shandong, and Shaanxi are even more poor. It's almost impossible to open the pot. Historically, in the fifteenth year of Wanli, Zhu Yijun even had to use his internal funds to help these poor relatives.
The issue of clan salaries has actually been exposed for a long time. As early as the Hongzhi period, the imperial court began to limit the number of wives the clan could marry. During the Jiajing period, it was introduced to further restrict the clan.
During the Wanli period, although Gao Gong was busy with some reforms that he considered more important, he also took some measures on clan issues, mainly restricting the grassroots ranks of nobility.
However, Gao Pragmatic feels that this is not enough, and has always hoped to continue to "step by step" on this issue. For example, we can now consider the historical introduction of the salary lump sum system during the Tianqi period, no matter how many children your family has, the expenses are always lump sum.
As for the next steps, Gao Pragmatic has also considered it, but how many steps it will take and how far it will go still depends on the actual situation at the time.
However, although there were many wealthy people in the Ming Dynasty, Zhu Zaiyu was certain that no one would be like Gao Pragmatic, who would lend one million taels to various yamen in Huguang, especially to They went to build water conservancy projects
This is not just a question of whether you have money or not, or even a question of "don't reveal your wealth", but how the court will view the use of this money.
Isn't Gao Pragmatic afraid that the court will look at his wealth differently?
Zhu Zaiyu now really admires Gao Jingshi's ambition. In his opinion, this is simply destroying the family and saving the country. So the scientist prince who was moved asked Gao Jingshi this question in a roundabout way.
After Gao Pingshi listened, he smiled and said, "Mr. Jiu Feng misunderstood. This money was not lent by the student alone, but by many people."
Zhu Zaiyu was very surprised and asked, "There are many people willing to do such good things."
Gao Pragmatic blinked and said with a smile, "Why not? Isn't there a stable source of interest? Of course, 30% interest is too high. Students think that half a percent interest is great."
Half-percent Zhu Zaiyu thought that it was rare for loan sharks to pay only half-percent interest.
Gao Pragmatic seemed to have become a roundworm in Zhu Zaiyu's stomach, and smiled and said, "Mr. Jiu Feng thinks this half-percent interest is too little."
"Uh." Zhu Zaiyu didn't know how to answer. He was an honest man and felt that half-percent interest was too little for loan sharks. However, he couldn't say that he should charge more interest to defraud local government offices. He couldn't help but feel a little embarrassed.
Gao pragmatic smiled and said, "Students, let's ask this. If Mr. Jiu Feng now becomes a shareholder of Jinghua Cement Factory, Jinghua Cement Factory now needs this big business in Huguang. However, the Huguang local government does not have that much money. Unless we borrow it first, When you give the money to them, do you care that we only charge them half of the interest?"
"Oh, in that case, that's not the case. After all, this business is already very profitable, and all the interest is earned in vain." When Zhu Zaiyu said this, he suddenly opened his eyes wide, "Ah, you mean Those who are willing to lend them money are all shareholders of Jinghua Cement Factory."
Gao Pragmatic nodded and smiled, "Yes, there are quite a few shareholders in Jinghua Cement Factory. The students have arranged to discuss it with them before leaving Beijing. They are all Mr. Jiu Feng who is willing to borrow money. Once Prince Zheng's Mansion reaches a cooperation agreement with the students, they will also Will Prince Zheng be the shareholder of Jinghua Cement Factory and be willing to lend money to the local government in Huguang together with the students?"
"I don't care about the general affairs of the palace." Zhu Zaiyu shook his head slightly, and then nodded again, "However, I think my father will agree. In addition, I heard that there are many shareholders in Jinghua Cement Factory, not only those with honors and honors , and" he pointed at the top of his head, "there are also in the palace."
Gao pragmatically smiled, "Although Mr. Jiu Feng doesn't ask about general affairs, he seems to be very well-informed. Yes, the palace also has shares, but Mr. Mister made a mistake. The palace took shares in Jinghua Infrastructure, not just Jinghua Cement." factory."
Zhu Zaiyu mused, "If the palace doesn't mind, my father would be very happy. However, how to calculate this loan? With so many people's shares, just calculating the accounts would be a bit troublesome."
Gao Pragmatic shook his head and said, "That's easy to handle, because we don't lend money to the yamen in Huguang in the name of Jinghua Infrastructure or Jinghua Cement Factory, but in another capacity."
"What identity?" Zhu Zaiyu frowned and said, "Why do you have to make it so complicated?"
Gao pragmatic did not explain why it was so complicated, but replied, "The identity of the people who lend money to various yamen in Huguang is called Jinghua Bank."
