After coming out of Qianzhuang, Xu Han looked up at the hazy sky, wrapped his cloak a little tighter, and waited until the other Jin merchants left one after another, he whispered to Hu Du on the side: "Third brother, I think we are too dependent on Yinuo Qianzhuang now, which makes us be restrained by it everywhere." ”

"I know."

Hu Du nodded and said, "But you can also think like this, without him, we can't make so much money, since he let us make money, what's the harm in listening to him." ”

Xu Han smiled: "This is also true. ”

.....．

"Uncle, in recent years, I have often dealt with these Jin merchants, these Jin merchants are really very cunning, we have to guard against them."

While sorting out the information, Chen Chen made a small report to Guo Dan.

Guo smiled lightly: "It seems that you prefer to cooperate with the little uncle." ”

Chen Chen was stunned for a moment, and then grinned: "I just think that our money bank can also borrow, and there is no need for them to make this money." ”

Guo Dan said: "But the time is not yet ripe. ”

Chen Chen was curious: "What timing?" ”

"Because we don't have enough money." Guo smiled lightly.

Not enough silver?

Chenchen was even more confused when he heard this, because even Hu Du and these Jin merchants together, they were not as good as their Yinuo Money Village.

They can do it, why can't we do it.

In fact, he misunderstood, he just understood that the money was not enough, and what Guo Dan said was actually currency.

Guo Dan wants to play finance more than anyone, that's his rhythm!

But if you want to develop finance, you must have enough currency reserves, at least you have to obtain currency control, this is the most basic, obviously Yinuo money has this at all, not to mention Yinuo money, even the imperial court does not have, the Ming court used paper money to completely abolish the currency.

In the absence of any monetary base, the development of the financial industry is undoubtedly walking a tightrope.

Guo Dan was not in a hurry to start financial business, and the small money banks he acquired in Jiangnan no longer engaged in financial business.

In Guo Dan's view, the tea house of the Jin merchants is just a small fight, and there is no big crisis, and by the way, it can also help him pave the way, and when there is a monetary base, he can directly inherit it all.

......

And Hu Du and Xu Han, these Jin businessmen, did not have the courage to refuse Guo Dan, and the key is that Guo Dan is not an unreasonable request.

This crisis has shown this on full display.

Gojo Gun is facing such a high tax, and people still live a nourishing life, because in the whole world, there is no one who can replace Gojo Gun's Spring Palace painting, and the risk of lending money to Gojo Gun is very low.

This time, the hardest hit are those workshops that rely on people and have no technical content.

As soon as they returned, they made adjustments and would tighten their lending to merchants, mainly for the kind of long-term merchant lending, and in the short term, as long as there was collateral, it didn't matter.

But to say that the adjustment of the tea house will have a huge impact on the economy of Weihui Mansion, it is also bullshit, after all, there are so many businessmen who borrow money, such as Qin Zhuang and Zhou Feng, of course, there is no need to ask the tea house to borrow money to turnover.

But this caught the attention of all the merchants of Weihui Mansion.

It's more like a signal to them.

The Beijing businessmen are a little unhappy, we are your Guo Dan's staunchest allies, how can you have a meeting with them first.

What a jealousy feeling!

Zhou Feng and the others immediately rushed to find Guo Dan and asked what was going on.

Guo Dan told them the reason very frankly, this is just a negotiation between our money village and the tea house, and its purpose is to reduce the risk of debt!

In the eyes of those businessmen, such a shrewd businessman as Guo Dan is trying to reduce the risk in this regard, which proves that this is indeed very risky, in fact, the facts have also proved this, so we must also take precautions.

They began to plan to invest more money in goods that required technology to produce.

Rather than relying solely on manpower to pile up production.

But at the same time, they still guarantee their own production, which will not move.

After all, Weihui Mansion is the main traffic point, it is the center of Beijing, Mongolia and Jiangnan, and has a lot of rivers, or has geographical advantages, some goods sold from Jiangnan to Mongolia can be directly produced in Weihui Mansion, the cost is lower, and it is safer.

This is what Guo Dan hopes to see.

But from beginning to end, Guo Dan did not ask them what to do, he just used capital to guide.

First of all, those transactions are not his transactions, so why should he bother?

Secondly, there must be risks in doing business, if he asks for it, what if he loses it?

In the end, he didn't know how to teach, and he didn't understand technology.

After Jin Shang successfully attracted everyone's attention, he began to shout for Guo Dan's medical insurance plan.

It's no surprise that they're doing this.

But what people didn't expect was that the first to echo them, the Jin merchants, were the big landlords of Weihui Mansion.

The landlords are a staunch supporter of the health insurance scheme.

Because according to the medical insurance plan, the price of buying medical insurance in a workshop is very low, but if you are a self-employed person to buy medical insurance, the price is much higher.

This will inevitably accelerate land annexation.

At the same time, bring them more human resources.

At present, agriculture is very hungry for manpower and talents, because now there are more and more workshops in Weihui Mansion, but it is not like before, there are farmers everywhere, and there is no need to worry about finding people to cultivate the land.

This first attracted the attention of the literati who visited the scenery of Weihui Mansion, if it had been in the past, they would definitely attack it as a scam, how could there be such a good thing, but based on Guo Dan's subsidy plan, they were not too embarrassed to say so.

And they also believe that it is possible.

What a sour heart!

We literati do not enjoy this treatment, and now craftsmen have this kind of treatment.

This Nima.

What about the good Deshi agriculture and industry?

At the same time, it has also attracted the attention of many craftsmen.

There is still such an operation.

This flattered them.

Because the artisan has always despised the bottom of the chain.

When did we become popular, we only need to pay five cents a year to be able to enjoy medical care, what is the difference between this and free.

This must be signed!

In this way, other businessmen can only express their support.

If this is not represented, it may lose people's hearts.

Soon, almost all the workshops agreed to this health insurance plan.

In fact, the most reluctant to sign are those big workshops, not small workshops, because small workshops are few people, and most of them are families, they buy it for themselves, of course they are willing, who is not sick.

The big workshop pays a lot of medical premiums.

If the scale reaches 1,000 people, then you will have to pay an additional 150 taels of medical insurance fees every year.

However, it can help them retain artisans.

Especially on the basis of Guo Dan's technical adjustment, to develop technology, craftsmen will be crucial, if Weihui Mansion has medical insurance, Suzhou does not have medical insurance, even if they give a lower remuneration, craftsmen may choose to stay in Weihui Mansion for this medical insurance.

This is also why Guo Dan first proposed industrial adjustment, and then discussed medical insurance.

Because the two are related.

Guo Dan soon announced the official medical insurance plan.

Take the workshop as a unit to sign the medical insurance contract.

Each person has two dollars per year, the workshop bears one dollar and five cents, and the individual bears five cents.

It is also possible for self-employed individuals to apply for medical insurance alone, but they must pay five yuan a year for three years before they are eligible for medical insurance.

This basically puts an end to self-employment.

Because as far as contemporary thinking goes, God knows if this medical insurance can last for three years, and to put it more miserable, it is still unknown whether I will be able to live until three years later.

Then going to work in a workshop, or going to work in a landlord's house, gradually became more and more attractive.

This also made those literati tourists very depressed, and their feelings about this medical insurance have nothing to do with us.

Of course, there are still many restrictions, the older ones have more medical insurance money, and this is only for workshops, and the self-employed are even higher, so it can be said that they will definitely not buy it.

This time it was only a commercial cooperation, that is, a contract between the workshop and the medical school, which was not promulgated in the form of a law, but the court itself had to ensure the validity of the contract.

In addition, Guo Dan handed over the medical insurance card to the three hospitals for issuance.

And this medical insurance card will become the household registration card of Weihui Mansion.

Name, home address, family members, and date of birth should be registered.

is very detailed.

This household registration is actually a major hidden danger in Weihui Mansion, the blessing of the Ming court, and the ancestors are willing to adhere to the ancestor to set the merchant registration system, but this thing is really not fragrant, but it makes the craftsmen and merchants despised, and the Ming court does not have the previous control ability, resulting in a mess of merchant registration and craftsman registration.

In recent years, there have been a lot of outsiders in Weihui Mansion, and if according to the law, they are not coming through formal channels, but they don't care about it.

There are always many inconveniences in the confusion of household registration.

As a new household registration, the medical insurance card is actually equal for everyone, and paying more money can only show that you are old, which is not something to be proud of.

Guo Dan used a very ingenious way to eliminate the artisan registration system stipulated by the imperial court, although the craftsman registration still exists, and the three courts have no right to say that the craftsman registration system is abolished, but Guo Dan ordered it to exist in name only in Weihui Mansion, because the three courts must recognize the medical insurance card, and will not recognize the household registration of the imperial court, after all, this is issued by them.

After this matter is roughly decided, Guo Dan has to take precautions and consider where to plant herbs, which will get money, but he has to use it immediately and put it in his hand, which is to lose money.

"Layman, you know medical skills, where do you think it's better to grow herbs?"

Guo Dan asked Aunt Xu for advice.

"There are many places to grow herbs, such as ......!" At this point, Aunt Xu's eyes suddenly lit up and said, "When it comes to planting herbs, of course, the Lingnan region is the best." ”

"I'm asking about the four prefectures of Weihui, Zhangde, Kaifeng, and Huaiqing, and the area in Lingnan is so chaotic, Your Majesty can't reach it, I threw such a big lump of money over, what if I don't go back, the risk is too high."

Speaking of the back, Guo Dan shook his head.

Aunt Xu smiled: "Then you can find a way to contract a state capital over there." ”

"Undertake... Contracted? Guo Dan was stunned for a while, this word was really familiar and unfamiliar, and then smiled: "Layman, how do I feel, in your eyes, this court is opened by my family, and if you don't agree with it, you will contract." ”

Aunt Xu muttered: "I don't dare to say anything else, but Lingnan has a good time, and there is really a chance." ”

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