Chapter 591 T-shaped roll of silver
“After soliciting the intentions of the participants, most maritime merchants tended to purchase a five-year concession, a small number preferred a three-year concession, and only a few were willing to purchase a ten-year concession,…”
Duan Xigui’s calculation ability is quite good. Even Feng Ziying didn’t know that her cousin was extremely talented in this area.
An unintentional act at the beginning can actually cultivate a "numerical genius". This shows that human potential is really unpredictable. Sometimes an ordinary person often contains huge talents in certain aspects.
"Based on the standards of a three-year charter fee of 25,000 taels, a five-year charter fee of 35,000 taels, and a ten-year charter fee of 60,000 taels, the three provinces of Nanzhi, Zhejiang, and Fujian can collect The charter fee received is about 1.05 million taels of silver."
At this point, even Duan Xigui couldn't help but lick his lips. Although Feng Ziying, Wang Wenyan, Jia Lian and others were mentally prepared, they all subconsciously took a breath.
Although we all know that these maritime merchants and gentry are wealthy owners, you must know that this is only a charter fee and does not include sea tax. In other words, this is just a qualification certificate.
In the future, if you engage in trade in this field and enter the shipping company, you will still have to pay taxes.
Of course, this also means that the court encourages you to make your business as big as possible, and the more you import the supplies that the Zhou court needs, the better, because that means you can get tax exemptions, such as gold, silver, copper and other metals and cash crops, and in the future Large wood is needed for building ships, but spices such as pepper, cloves, and cardamom are also the largest imported goods in the Zhou Dynasty. There are also precious woods such as sandalwood and rosewood, etc., which are not included.
Feng Ziying digested the impact of this number.
It seems that the early publicity and messaging were indeed very effective and successfully mobilized the enthusiasm of these maritime merchants and gentry who were interested in entering this field, and the effect was very good.
This is only from the three provinces of Nanzhi, Zhejiang, and Fujian. If you add those from Guangdong and Guangxi, it is estimated that the amount should reach about 1.8 million taels.
The sea trade privileges of the three northern regions of Shandong, Beizhi and Liaodong are not included. This will be comprehensively considered in conjunction with the construction of the Liaonan-Denglai route and the development of routes in the Ezo and Jurchen hinterlands. In fact, this area In the early stage, it is unlikely that sea trade will make much money, but mostly investment.
Seeing that Wang Wenyan and Jia Lian were a little startled, Feng Ziying calmed down and said with a smile: "This can be regarded as a one-time deal. Well, including Guangdong and Guangxi, it is less than two million taels, and next year the income may be There are less than two hundred thousand taels.”
Wang Wenyan also thought about it, "Well, according to this measure, we have to wait until the first batch of concessions expires in three years before we can start to renew or make up the amount, and we can have a larger income after five years, but we can't Consider it a one-time deal."
"Haha, it won't be my concern in three or five years, but now I have to make a good start." Feng Ziying pondered for a moment, "This matter needs to be combined with the establishment of our bank."
Seeing that several people were still a little confused and didn't quite understand, Feng Ziying smiled lightly.
"That is to say, this amount of silver to be handed over to the Ministry of Revenue must first be deposited in Haitong Bank. If the Ministry of Revenue wants to use this amount of silver in the future, such as issuing military pay, it can be transferred from Haitong to the capital city on the other side of the capital. You can just call it at the bank, and if you want to buy grain and cloth in Jiangnan, you can pay directly to the cloth merchants and grain merchants in Yangzhou, or even in the future, at the bank branches such as Suzhou and Jinling,..."
The three of them suddenly realized that this was a clever move to forcibly tie the Hubu to Haitong Bank.
"But where did the capital city come from with so much money to pay the Ministry of Household Affairs? What if the Ministry of Household Affairs wants to transfer all of it to the bank of the Ministry of Household Affairs?" Jia Lian couldn't help but ask.
“Well, so you still have to argue with the Ministry of Accounts. If you don’t have to deposit it in the bank, why are you doing it? There is still interest in the bank. Just make sure you can use it at any time.”
Feng Ziying knows that people in this era still have a simple concept unique to this era. Money must be stored underground in their own homes for the most safety, and stored in other people's banks. What if the bank goes bankrupt or the owner of the bank runs away with the money?
This concept cannot be changed in a day or two. This requires establishing and creating an impression for them that Haitong Yinzhuang is too big to fail and too big to fail.
"In addition, our Haitong Bank is also raising shares in the capital. Naturally, there are many shareholders, and the shareholders have to invest real money. Then the share capital will be deposited in the bank in the capital as the principal. If it is a general The payment is enough to cope with it. If the payment is very large, let us know in advance that it can be shipped from Yangzhou."
Especially for temporary large-amount withdrawals such as those from the Ministry of Household Affairs, you must do it well. Otherwise, you will often have to withdraw hundreds of thousands of taels. Where can you get it together in a short period of time?
As for ordinary merchants, the amount is three to fifty thousand taels. As long as they are informed one or two days in advance, it is not a problem.
"Sir, it seems that you have to go hand in hand with several things when you go to Jiangnan this time." Wang Wenyan chuckled, "The reclamation of Dongfan involves the Dongfan salt business. It is estimated that there will be news there soon. Here, once you get what you want, it will be a business worth hundreds of thousands of taels. If the other party is willing, they can also enter the Haitong Bank. You can also ask Longyou and Anfu merchants to open accounts in the Bank. Even loans, the imperial court supports them to expand land in Dongpan anyway,"
Feng Ziying smiled with satisfaction.
Wang Wenyan's ability to draw inferences from one instance is not yet comparable to that of Jia Lian and Duan Xigui. Jia Lian's qualifications may be the most mediocre, but his identity is not comparable to that of Wang Wenyan and Duan Xigui. He also has a good personality, is willing to accept criticism, and is willing to learn. , which is very rare.
"Well, so the bank is the foundation. In the future, all transactions involving money can be circulated through the bank. It is convenient and safe. It can also solve the security problem of merchants who need to carry large sums of money when traveling north and south." Feng Ziying looks forward to the future of her family's Haitong Bank, "The money obtained from sea tax mortgage loans must be deposited in Haitong Bank and used by the household department. The same is true. However, this may be difficult, but at least part of it should be deposited in the bank. It can be regarded as the imperial court’s support for our maritime affairs.”
"With the support of these big players, Yinzhuang will definitely be able to be established, but if it involves businessmen, they must both trust and realize the benefits of convenience and speed. I am afraid that just the capital and Yangzhou will not be enough, like Suzhou, Guangzhou, Datong, Jinling, Hangzhou, Dongchang, Linqing and other cities must have branches of Yinzhuang, so that these businessmen can finally accept this method..."
Duan Xigui made suggestions from the perspective of a merchant.
Jia Lian, on the other hand, prefers another angle.
"If some of the royal family members and important officials in the imperial court can take the initiative to become shareholders of our bank or take the initiative to open accounts and deposit money in the bank, this will undoubtedly greatly encourage more people to trust our bank..." Jia Lian glanced He glanced at Feng Ziying and said, "Like several princes or elders..."
This is a double-edged sword. It's easy for the princes to talk about it, but it's hard for the cabinet ministers to talk about it. But if it means that they can each deposit two or three thousand taels, it can play a propaganda role, but this is not the case. When it comes to the scope of privacy confidentiality, careful consideration is needed.
What if Long Jinwei or the Metropolitan Procuratorate requests to investigate and verify?
Feng Ziying couldn't help but think of various bank secrecy standards and systems in later generations, as well as the issue of under what circumstances can investigation and retrieval of data be allowed.
"I have thought about what Second Brother Lian said, but there are pros and cons. Some can be considered, and some cannot be considered for the time being. For example, can a few pavilion elders open an account and deposit money in our bank?" Feng Ziying laughed. He said: "I'm afraid the outside world will spread the news. One thousand taels of silver can give you one hundred thousand taels of silver, and no one will believe your explanation, so this is not feasible, but if it is the princes of the clan, That doesn't matter, well, Brother Lian, you can do the same in your house."
Jia Lian was embarrassed by Feng Ziying's words. He just shook his head but did not dare to speak.
He knows the details of the Jia family very well. They are strong on the outside but **** the inside, with a typical horse **** skin and a smooth face. There are some houses, villages and shops, and some of the old items in the house can still be maintained on the scene, but inside they are all about eating grain and demolishing the east wall. Make up for the Western Wall.
Unknown to other people in the house, Sister Feng would use various means to **** off her old belongings and antiques every New Year, and many of these pawns never came back.
But this scene has to be sustained, with thousands of people eating horse chews, and they don't dare to bend their posture at all, otherwise they will fall faster.
"Well, I have some concerns about this matter. Prince Zhongshun is willing to invest 80,000 taels of silver. There are also some ministers who are still negotiating. It won't be finalized until I finish the negotiation here, but I think the capital will come together. A few hundred thousand taels of silver is not a big problem, but here in Yangzhou, it depends on our ability and hard work."
Feng Ziying smiled and looked at Jia Lian, Duan Xigui and Wang Wenyan, "We are all from one family and do not speak the same language. In this kind of business, although it is hard to say how much money we can earn in a year and how much dividends we will receive, it is better because we are safe. It’s better than burying money in the soil, and you don’t need to put too much thought into it. If you have some spare money, five thousand taels is not too little, and one hundred thousand taels is not too much, you can give it a try.”
These words made several people a little tempted.
It's just that the investment is estimated to be at least 5,000 taels. Which of these three people can come up with 5,000 taels?
Even Duan Xigui made some money by running Fengrunxiang, but he could only save three to four thousand taels of silver. Wang Wenyan's family only had two or three thousand taels of silver. As for Jia Lian, he couldn't save even one thousand taels of silver. .
"Well, what I have said here, you guys can think about it for yourselves. In addition, if you raise it by yourself, you can actually invite one or two relatives and friends to join in the investment. In this way, you can become a shareholder if you raise 51,000 yuan, and then you can follow the rules Just share the dividends according to the amount of investment each makes.”
(End of this chapter)