Chapter 187: Planning

And Zhang Hanqing's matter, it's not good to invest a little. Once imitated by competitors successfully, the small cost will definitely be lost to everyone, just like many new things in history, it will be short-lived, and then it will be missed.

There are still very few investors willing to pay this amount in China, and in the food industry, except for the southern flour and textile king Rong Desheng Rong's family, there are very few, and the key is not yet ripe, and Xiao Zhang is not willing to do so. He believes that with his hundreds of years of knowledge, instant noodles will have a chance to sell well, and the fertilizer and water will not flow into the fields of outsiders.

He told Yu Fengzhi about his thoughts, and then broke a piece of instant noodles made by himself and gave it to his wife to taste, and Yu Fengzhi of the merchant family sensitively discovered the business opportunity: the taste was very good and unique.

The meticulousness of the woman made Zhang Hanqing's inspiration change from theory to reality. With settling accounts with his father and hearing and seeing, Yu Fengzhi carefully calculated the profits. According to Zhang Hanqing's description and theory, a piece of instant noodles has a net weight of about two taels, which can barely enrich a meal; The price can be high, because the vast majority of people in China are not able to eat a full meal at present, and the "luxury" such as instant noodles is not for these people, but should be positioned at the middle and high-end groups: "business people", travelers, soldiers, single government officials... According to the standard that their normal salary is not less than a large ocean of monthly salary, the price is five cents per share.

The cost of steaming, boiling, rolling, etc., including manpower and machinery, does not exceed one cent; Flour costs less than a cent; The rest is publicity and logistics. The propaganda is good, Zhang Hanqing is preparing to advertise in the newspapers of major cities, and plans to set up direct sales points in some large cities, and will give discounts according to the sales performance---- this is the first time in the world!

In the case of logistics, the province is responsible for the Guard Brigade Baggage Department; The Beijing-Tianjin-Hebei region requisitioned the Beijing-Feng Line train transportation; Shanghai, Nanjing, Hankou and other areas along the Yangtze River use small steamers---- this is not worried, as long as the reputation comes up, I am not afraid that no one will not want to ship. The province must account for the majority in the early stage, so this freight will eventually fall into the pockets of the guard brigade---- so let's calculate it by one point for the time being.

In terms of the number of Japanese in later generations and the proportion of the slightly affluent people in China today, the number of people is about the same. Zhang Hanqing estimates that it is possible to start with 10 million packs, and considering the impact of the current impact of instant noodles on the market due to food shortage, this figure is still conservative. Even so, there is no problem in netting 200,000 yuan.

The biggest problem now is how to get this raw share capital. Yu Fengzhi has no money, and it's not a matter of using his wife's money all the time, Zhang Hanqing still has self-esteem. As a husband, even if he is a little younger, he will stand up to the sky, and he can't make money for his wife to buy powder, at least he can't worry about that dowry anymore.

Money, what a wicked thing! It would be nice to have a bank by your side... Of course, Daosheng Bank is forgotten, Zhang Zuolin has borrowed several consecutive loans, which has forced it to borrow a large amount of funds from Harbin, Changchun and other places, and if it borrows again, it will have to use reserves.

If you can have a bank in your own hands, then you don't have to worry about investment! Zhang Hanqing suddenly thought of something, and he excitedly took Yu Fengzhi's hand: "Wife, let's start a bank ourselves." ”

Yu Fengzhi felt that his husband was whimsical at this moment, maybe he was dazed by the money owed, right? Looking at his young age and unable to hide his exhaustion, his heart softened: "Han Qing, we can't even take out 50,000 yuan now---- but if you are really short of money, I will send someone to sell all my jewelry, even if it is cheap." ”

Zhang Hanqing wanted to laugh but couldn't laugh, in front of the woman's tenderness, he was moved for the first time, and hugged her in his arms: "Wife, what I said is true." How long will it take for such a small fight? If we had our own bank, everything that would have been asked for money would be solved. And I've done the math, opening a bank is a sure thing to make and not lose money. He whispered in her ear: "I can open a rural bank to collect the surplus money from the peasants, and I can use the power of the Fengtian administration to let agricultural taxes and water conservancy pass through its hands." Fengtian has a population of 30 million, and even if one person saves a piece, he will definitely be able to make a lot of money. ”

Rao is Yu Fengzhi can be regarded as a business family, and he was also shocked by his bold ideas, he really dared to think about it!

Gradually, however, she felt that it was no big deal. Mukden is facing an unprecedented economic boom, and as long as it is industrial and commercial investment, the benefits are considerable. Then, the bank, which is the main body of investment funds, will be the biggest winner, if it can be established. Agricultural engineering and taxation are major items of rural revenue and expenditure, and if this part is firmly held in the hands and operated casually, the operation of the bank will be nine out of ten. The father-in-law is the biggest official in Fengtian Province, this matter is difficult for others, but it is not difficult for Zhang Hanqing, it can really be done if it is not good!

However, the cost of setting up a bank is not shallow, and it is impossible to move without 1.8 million yuan. But in Fengtian Province, who has such a big capital? Yu Fengzhi pondered for a while, but saw Zhang Hanqing's expectant face, alas, she understood everything. She sneered and said, "Can you still have a little bit of interest and worry about your wife's money all day long?" ”

Seeing that the dirty thoughts in private were recognized, Zhang Hanqing did not feel a little guilty or empty-hearted, and said with a smile: "My wife is still smart, I have been thinking about things for a long time, and you actually thought of it all at once!" His idea was that Yu Fengzhi ran out of money, but didn't she still have a strong mother's family!

"This is a lot of money, and it can even hollow out the Yu family's money, do my mothers dare to take this risk?" Yu Fengzhi was a little worried again. But on the other side is her husband's career, and she must make a decision. If you don't try it, how do you know if it works?

Yu Fengzhi is now completely on Zhang Hanqing's thief ship, and after donating all the dowry, she has to go back to her parents' house to lobby her mother and uncles to continue to contribute to Xiao Zhang's career. Who let her be tied to him in blood, eat at the same table and sleep in the same bed?

Although her mother's family is wealthy, it is a property saved bit by bit by the traditional business model, and she is a little worried, will her mother's family agree to such an extremely risky plan? Although wealth is in danger, but suddenly abandoning the traditional and stable industry to set foot in an unfamiliar field, will Mrs. Yu and her group of relatives and friends agree?

For such a big matter, Yu Fengzhi could only go back to his parents' house in person, naturally, Zhang Hanqing, the initiator, must have asked his wife to sing with his husband.

Escorted by a team of cavalry, Yu Fengzhi's carriage drove into Zhengjiatun, which was her return after a month after returning to the door, and this time there was still a husband and wife who came with her, which was considered to be a return door.

Old Madam Yu was still so happy, she took Yu Fengzhi's hand, looked at her open sideburns and ruddy face, silently felt the changes in Yu Fengzhi, and her heart was full of happiness. She said to Feng Zhi: "I heard that you are coming, and this girl will come back alive or dead, no, she just arrived on the front foot yesterday, and she came today." ”

Before the words fell, Yu Fengzhi's delicate face appeared in front of everyone, and at the same time, a beautiful voice appeared: "Auntie, uncle, why are you only here now, I am waiting to die." ”

Yu Fengzhi has always been Yu Yifan's good partner before he left the boudoir, although he is an aunt and nephew, he is like a sister. After I got married, I felt more cordial. She took Yu Yifan's hand and said, "Dead girl, she didn't come to see me when she went to school in the provincial capital, and now she pretends to be affectionate." ”

Yu Yifan grinned, and his heart was gone: "The place where my aunt lives is too scary, they are all soldiers with guns and cannons, and they have to be interrogated like a thief for a long time when they go in, I don't dare to rush over casually." ”

Mrs. Yu patted her with a smile: "Uncle lives in the Dashuai Mansion, of course, you have to be careful not to let the bad guys enter; But you are a little girl, you will be afraid of any collision, and you are not afraid of the sky and the earth when I see you on weekdays. ”

Zhang Hanqing saw that Yu Yifan was cute and clever, and couldn't help but laugh: "Yifan is such a beautiful girl, how can there be such a thing?" When I go back, I will tell Yisan and let him remember what Yifan looks like, and from now on, there will be no taboos in Yifan, and he will not be interrogated! "Wei Yisan is now Zhang Zuolin's chief of guard, and he is also responsible for the security of the Marshal's Mansion.

Everyone laughed for a while, but Yu Yifan said seriously: "That's good!" This way I can talk to my aunt often, and she will do what he says. ”

Zhang Hanqing nodded and said, "Do what you say." ”

Yu Yifan suddenly stretched out her hand, and she bent her small finger to Zhang Hanqing: "Pull the hook." ”

How long has it been since this happened? The last time I made an agreement with someone was a hundred years ago, right? Zhang Hanqing suddenly felt a little nostalgic, he looked at the white tender hand in front of him, and couldn't help but bend his little finger and hook her. Yu Yifan had a thought: "Pull the hook and hang yourself, you can't change for a hundred years!" ”

Her little hands were soft, warm, and close, and the girl's body fragrance unexpectedly soaked into Zhang Hanqing's nose. At that moment, Zhang Hanqing suddenly felt a tightness on his little finger, and Yu Yifan clasped him tightly. Just when he didn't know why, Yu Yifan suddenly let go of his hand, took a step back quietly, and smiled. This small action was not noticed by others for a while, only Zhang Hanqing thought about it for a long time and didn't know why.

Ignoring the methods of this little daughter's family, Mrs. Yu quickly arranged a table of wine and food. Zhang Hanqing, Yu Fengzhi and his wife also followed the local customs and enjoyed this rare family happiness peacefully.

Finally, when it was time to rest after dinner, Yu Fengzhi shared his plan to set up a food company with a major minister of the Yu family, and its main product was instant noodles. None of the participants had heard of this new term, but when Yu Fengzhi distributed the samples made by Zhang Hanqing to everyone and tasted them in person, everyone nodded one after another, which was a good thing.

After Yu Fengzhi roughly introduced the process cost, sales pricing and feasibility of making instant noodles, the big guys basically said in unison that it was feasible. As far as business goes, there's no denying that the prospect of instant noodles is enticing. If you follow the traditional marketing method, first manufacture and sell in small batches, and then gradually increase the amount after market recognition, you can basically ensure a steady stream of profits, and the capital chain can be kept smooth, and you can quickly return to the cost. In case something goes wrong, stop at any time and stop your loss.