Liu Jingyuan said: "Thank you Sister Wenhui for worrying about our family. ”

Chen Wenhui said: "Don't thank you for coming and going, aren't we a family?" Father, you haven't finished your sentence yet, and I want to listen to it again. ”

Everyone was busy listening.

Chen Yuanheng said with a smile: "Actually, there is nothing to say, it's just that my ideal when I was young thought it was impossible to achieve, but I didn't expect that this qiē had already been realized, or my daughter realized it." The current Qingchun City is such a place, it is really a paradise, it is a holy place. ”

Chen Wenhui said: "Where is my paradise here, where is the holy land? I'm a copper-smelling place here, and everything is about making money. The government also revolves around the economy. ”

Chen Yuanheng said: "It seems that it is right to revolve around the economy. If the people are not rich, where is the holy place? The common people live and work in peace and contentment, and this is the land of paradise for prosperity, strength and civilization. ”

Chen Wenhui said: "If you want to talk about the prosperity of the people, I really deserve it in Qingchun City. I think you've seen it too. If you come back in a few years, you should be richer. ”

Bai asked: "Speaking of money, I don't understand, I also know that the establishment of Shanghai City back then, a total of 10 million taels of silver, our family, the clan land, the prince, Wen Hui, the emperor, and the princess of Lichuan put together a few dollars of money to build it." But when you came back, you told me that the money was not enough, and it was Wen Hui's idea to sell the house and shop, which built the city of Shanghai. It took two years, and a total of nearly 20 million silver was invested. We only started paying dividends in the third year. Of course, it didn't take a few years. was taken back by the emperor. However, I see that although your Qingchun City is not as large as Shanghai City, it can't just cost less than two million taels of silver? ”

As soon as Liu Jingyuan heard this, he immediately became interested and listened seriously.

Chen Wenhui said: "My initial investment was two million taels of silver, but this has not counted the people given to me by the emperor? If I added these people, my investment would have been around four million taels of silver. Of course, if four million taels of silver wants to build a Qingchun City, it will definitely not be enough. But I'm going to get all the money back. After my city started investing, I promised the people that there would be no poll tax for three years. No land tax is charged. However, I still have business taxes, and I still have money from selling land, and I have money from selling my house. My people have come here with their bare hands. But I pay them. Encourage them to open up wasteland. They were encouraged to borrow money from the bank, and some of them borrowed 500 taels and some borrowed 1,000 taels. Later, someone borrowed 10,000 taels of silver. Where did all this money go, it was all invested in the construction of the city. So, you see that commerce is getting more and more prosperous, there are more and more workshops, and the land outside the city is basically reclaimed. That's the equivalent of two million taels of silver put into it. Don't these workshops, shops, have to pay taxes? Not to mention, I am still building houses in the city, and every house in my city is large and small, some are close to mountains and rivers, and some are only small rooms, all of which are built by my engineering team and then sold out. Those people who made money from business used the money they earned to buy houses. There are also many businessmen from Dachu who come here to sit on business, and when they see that Qingchun City is very good, they also buy houses and land here. How many two million taels of silver were put into this? ”

Chen Wenlin nodded, and so did his Tianshui City.

Chen Wenhui continued: "In addition to these, do I have my own business? Those craftsmen are paid by me, but they also create a huge value for me. The clay, fired by the craftsmen, is a priceless high-grade porcelain, and it is said that the nobles of the capital fell in love with the porcelain produced in our Qingchun City. There are also those ordinary satins, once embroidered by our skillful embroiderers in Qingchun City, they are worth a hundred times, or even a thousand times. ”

Mingzhu said with a smile: "Some time ago, someone sent a screen to our house, it is said that the market can be sold for 10,000 taels of silver, with the best yarn, mahogany base, but the most precious is the double-sided embroidered flower and bird figures, it is really vivid." That's from Qingchun City. ”

Chen Wenhui said: "It can be worth 10,000 taels, so it must be a big screen?" ”

Mingzhu said: "No, that screen is twelve." ”

Chen Wenhui said: "Brother Liu is now in a high position, has a good future, and there are more people who are stammering, and they all give such high-end gifts." ”

Liu Jingyuan said: "Didn't this gift-giver give you silver?" That screen, you just used some precious wood, you can't use a piece of yarn, some top embroiderers, embroider for half a year and a year, it's okay, and it's 10,000 taels when you sell it. ”

Chen Wenhui grinned and said, "It's necessary to make money." Otherwise, how could I have built this Qingchun City so quickly? ”

Bai said: "I understand, you kid, you are really bright, you used everyone's money to build your Qingchun City, right?" ”

Chen Wenhui said: "Isn't that the truth? So, although I only took out the capital of two million taels, this Qingchun City is really expensive, I see, forty million taels are available. My two million taels of silver are just going around the city and building this city well. Actually, it's been almost three years, and I haven't recovered my capital yet. I think back then, Shanghai City began to pay dividends in two years. ”

Chen Yuanheng smiled and said, "Anyway, you don't wait for the money, why are you in such a hurry?" Slowly, your capital will always be recovered. Shanghai City's profits are large, and that is because Shanghai City has shipyards, sea trade, and can sell shipping routes. Where can you do it here? ”

Chen Wenhui said: "No, so I'm not in a hurry, just build it slowly." Still, I'm a real place to use money. For example, the population of my city is developing rapidly, and in order to prevent Qingchun City from becoming as crowded as Shanghai City, I began to divert people, so that those who came late and did not catch up with the fortune went to the Acropolis to start a business. Now I have built three acropolis in addition to the main city, and now I am the first of the four cities. ”

Chen Yuanheng said with a smile: "I guessed that you are a person who will take advantage, these four cities are built together, and you will definitely think of ways to occupy more land." ”

Chen Wenhui grinned and remained silent.

Chen Wenlin said: "Although my sister has not started to make money in the city, my sister has a business that is very profitable. ”

Chen Yuanheng asked, "What business?" ”

Chen Wenhui said: "The second brother is talking about my Nanyang Bank's business. Speaking of which, my Nanyang Bank business is good. At the beginning, the people borrowed 500 taels of silver, but if you calculate, what about this family borrowing 500 taels and 10 families? What about the hundreds? There are more than 10,000 people in my Qingchun City and the other three cities, and each family borrowed 500 taels, but it is 5 million taels of silver. How much interest do you get this year? Later, most of these people repaid their loans, and after they repaid them, they began to open up more land, and they began to buy houses, shops, and businesses, and some of them began to borrow a second time, so that I would give more loans to people with good credit, and they would be able to borrow 1,000 taels. Later, after the thousand taels were returned, I was able to lend them ten thousand taels. Now there are some people with good business, good reputation, and many assets, and I can already borrow tens of thousands of taels from them. You say, how much interest do you get this year? ”

Bai asked: "But didn't you Nanyang Bank just invest one or two million taels of silver at the beginning, and the millions of taels of silver that those cities invested?" You can't lend it all out, and you have to keep at least half of it for your daily expenses, right? How did you manage to turn around with all this money? ”

Chen Wenhui said with a smile: "Mother is just smart, and she asked the idea at once." The principal of my bank is not enough for these people to borrow. However, Nanyang Bank does not, Dachu Bank does. There are a lot of rich people in Da Chu. They don't have a good investment channel. Later, after my bank appeared, they found that they could deposit the money with me, without sending guards to protect it, and they didn't have to worry about the moldy silver, and they could get interest, although the interest was not high, it was better than putting it in vain. Also, if you don't need so many guards, you will be paid a lot less wages, you don't need to put silver, you don't have to spend a lot of money to build a silver vault, cellar and the like, so how much money is saved, one in and one out, everyone will settle accounts, and naturally they are willing to deposit money in my bank. In this way, my Da Chu's bank principal has become very strong. Although I also have a lending business in Dachu, the economy of Dachu is not so active, and the people do not borrow much, so a lot of money is idle. Anyway, it's all my business, so I transferred these idle silver from Da Chu to summon it. Therefore, the construction of my Qingchun City also has the credit of those rich people in Dachu. ”

Everyone laughed.

Bai said: "Just your head, no wonder your second brother said that you made money." ”

Chen Wenhui said: "Although I have made money, I have a lot of places to spend money." ”

Bai asked strangely: "You make so much money, even if you change a few clothes every day, you can't spend all your jewelry every day, how can you say that there are many places to spend money?" ”

Chen Wenhui was about to answer, but Chen Wenlin had already said: "My sister still has big plans." She and I discussed that together we would build another city in Mindanao, on the edge of Luzon. Isn't that a big investment? In addition to these, she also found a spice island, where spice production is very large, and she wants to go there to build a port city and develop the spice islands, you calculate, how much will it cost? ”

In fact, everyone knows this, after all, the emperor gave the name of the city, but they still think it is incredible. (To be continued......)