It was the first time Li Gan had heard of insurance, and when he heard Liu Yuyi, he knew that it had been practiced in Western countries for many years.

According to Liu Yu, it is best to complete stock trading, stamp duty payment, Liaodong soybean futures delivery, marine insurance, and shipping rice in one building complex, making it the financial center of Songjiang and even Dashun.

The emperor sent people to directly govern, first, to facilitate control, and secondly, it can be regarded as a guarantee of the emperor's credibility, so that more merchants can be convinced that this is a trustworthy method.

Supposedly, this place is best placed in the capital, or at least in the vicinity of the capital.

However, the capital of Dashun and the economic center are misaligned.

The economic center of Dashun is Jiangnan, and the money in the capital is either hidden in the cellars of Liu Yu's fathers, or it is in lending and eating interest, which is completely inferior to the economic scale of Jiangnan.

Relying on taxes and rice, it can be regarded as stabilizing the economy of the capital. Such a place is not suitable for a financial center.

The emperor must have also considered this problem, so the pilot was placed in Songjiang.

If Songjiang wants to be a pilot, then he might as well take advantage of this opportunity to get these things out.

Originally, there was already a foundation laid by a trading company, and by taking advantage of the situation, these things could be made on this basis to make up for all kinds of shortcomings.

Even if Jiangsu's money is insufficient, it is natural that businessmen from Fujian and Guangdong will come to Songjiang to invest money.

Ships and seamanship have shrunk the world. Guangdong and Songjiang, in terms of time scale, are closer than the capital to Zhangjiakou.

These are all profitable transactions, and no one will do them, especially as soon as the news of the trial of Caoyun's change to sea transportation came, I was afraid that I would be unable to squeeze it out.

The benefits have been said a lot, and all the possible disadvantages are no match for two things.

The navy is in Weihai, and if there is chaos in Songjiang, it can reach Songjiang in five days.

The arsenal and the field troops after the military reform were all in the north. Jingxiang has a good family, which is stationed in the basic plate, and can cut off any turmoil in the south of the Yangtze River at any time.

These two things are enough to resist the disadvantages that may be thought of at this time and are not conducive to the rule.

has no worries and can be strangled to death at any time, so Li Gan was said by Liu Yu, and his heart was itching unbearably.

He is well aware of Liu Yu's ability to make money, and he really does "not compete with the people for profit", which is completely made out of thin air, rather than taking a piece of the original pie.

If it is really according to what Liu Yu said, the stock exchange, stamp duty collection, marine insurance, and Caomi shipping are all working in a place that is half a yamen and half chamber of commerce, and as long as he wants, he can control it at any time.

It's like making a dung pit, gathering flies in it, and flying everywhere in the province, it's not easy to catch.

As for this marine insurance, a little calculation also knows that it is a great thing.

If the merchant pays for the sunk, it is likely that a merchant will go bankrupt.

If there is insurance, then the damage to the merchant is also small, the key is ...... If something really happens, the company with so much equity capital can fully get enough funds to pay compensation immediately, and it will not affect the continued transportation of Caomi to make up for the shortfall.

If it is only stored in Songjiang and Suzhou, this marine insurance is actually dispensable.

However, it is undoubtedly a good way to consider that in the future, it may really be completely changed to sea transportation.

In the future, if it is really completely changed to shipping, even if 5 million stones of rice in the south of the Yangtze River are sunk in a year, as long as the navy can guarantee "free trade within the firing range", it will only be only 3 or 4 million taels of silver.

The fact that the imperial court can't collect the money doesn't mean that the people don't have money, as long as they can gather the money, even if they don't take it by chance, if something really happens, they can requisition it immediately......

Li Gan heard Liu Yu say many times about his "boasting" about the UK, and the most disturbing boast to him was that the UK earned 21 million taels of silver.

Now that Britain does not have India, Li Gan really can't think of how he can pull out 21 million taels. It was even more difficult for him to imagine that in the upcoming War of the Austrian Succession, Britain would raise 50 million pounds sterling in a national debt, equivalent to 150 million taels of silver, which was enough to pay off for five years without eating or drinking, without interest.

As for the issuance of treasury bonds by the British side, Li Gan has also heard Liu Yu say it several times, knowing that Britain is really going to war, and can lend a large amount of money from the people at any time.

Now that Liu Yu said that he would gather funds in Songjiang, if he was really short of money, he could easily borrow money, and Li Gan was even more moved.

"You just said that if the imperial court is in a hurry to use money, and the silver is gathered in Songjiang, then how can you lend this money? If you force businessmen to donate, it will be difficult. ”

"You also know about the founding of the country. When Emperor Taizu entered Beijing, General Quan had money for torturing and plundering the Beijing division, but he couldn't get the money when he asked for donations before. Could it be that when it came to my dynasty, this person changed his temper? ”

Generally speaking, the imperial court still needs to be faced. Normally, they will exchange privileges for silver, such as donating money to make up for a prisoner, and the status of a prisoner under the imperial examination system is privileged, which is actually equivalent to selling an official mantle.

But when it really comes to the point where you need to be shameless, the identity of the imperial examination is very doubtful. Bound to the government, if the government is finished, then is this prisoner still useful?

The cruel reality of the fall of the previous dynasty is enough to prove that many people sacrifice their lives and money. Is it because Li Gan wants to know what Liu Yu said about getting money, what is the method?

He could vaguely feel that a large amount of money was concentrated in Songjiang Prefecture, and it was definitely easier to borrow money than to scatter it all over the country to borrow money.

Liu Yu said: "Please give an example. ”

"If you punish the Japanese state, you need money and food to go to war. His Majesty only needs one sentence: after the war against the Japanese, the Japanese are forced to open the country for trade, and the monopoly of the right to trade with the Japanese can be mortgaged. ”

"The naval fleet of Weihai will go around Songjiang and put a few cannons, and those who know will understand that our army will win."

"If it is sold for five years, it will be able to raise three to five million taels in an instant."

"Moreover, the small people are not moved, they are not drifted, and there is no loss. There is no need to even raise funds from the outside world, only one trading company is enough to raise them. ”

"In this way, not a penny from the treasury. To punish the Japanese state, it can also be called the Japanese state to pay compensation, and the money will go into the treasury. Not only does it not cost money, but it also makes money. ”

"In the future, the trade with the Japanese will develop day by day, and after five years, it will not be difficult to sell a million taels a year, so that the annual income can increase by one million."

"It's a way."

"There is another way, Your Majesty has a lot of stocks in his hands now. In the future, the capital will be enriched in Songjiang, and if His Majesty wants to borrow money, he only needs to use the stock annuity as collateral and the annuity dividends as interest, and he can raise millions of taels. And it can be up to 10 days. ”

"Of course, if it's not an extreme case, it's not necessary. It's just that if there is really a situation of the previous dynasty's salary, you can use it. It is self-evident which is more advantageous to govern a Songjiang or to levy a salary throughout the country. ”

Li Gan already had the idea of building Songjiang into a big pig pen and raising big fat pigs, and what Liu Yu said was exactly what he wanted to poke in his heart.

For example, in the Han Dynasty, the relocation of Maoling was a forced redistribution of land to weaken the powerful and powerful.

Now, it's concentrating its funds on Songjiang.

Merchants are not powerful and do not need to be weakened at all, because they have no political status in the first place.

So you can borrow money whenever you need to spend it.

Of course, it's better to just borrow money.

But if something big happens, it really reaches the point of destroying the country and the world, then you can just take it all in one go, and there will be no one left.

As long as you have money, how can you do it?

When you really want to use money, it is very likely that the people will be resentful and boiling, as evidenced by the previous dynasty.

The smaller the range, the smaller the impact seems to be when it is really shameless.

In the final analysis, it's because of money, if the money is enough, the emperor is not willing to make any changes, and just continue the existing line to the end.

But now, there is a shortage of money everywhere.

In the long run, military reform will save money, but it will cost a lot of money during the reform period; It costs money to immigrate to the Western Regions; It costs money to invest in the Navy; It costs money to set up a practical school.

Dashun has the ability to engage in various official monopolies, and has neither the ability nor the experience, thinking that Dashun will not be able to fight at the level of tens of thousands of losses in the Song, Liao, and Western Xia wars.

Li Gan thought that in order to facilitate the collection of taxes and the management of smuggling, it was necessary to close some foreign customs, gather them in one place, and send special personnel to monopolize trade with the West.

However, with Zu Xun's presence, coupled with the special transfer of power in the early stage of Dashun, it was difficult for Zu Xun to prove his legitimacy, so that he did not have the courage to do so.

It was common for the people to form associations, and to get money from those people would be to compete with the people for profit, or to pay taxes harshly, and he was unwilling to bear this reputation.

forced to a certain extent, Liu Yu's method of not competing with the people for profit and finding another way to make money made Li Gan very excited.

The first war against Japan costs money. The treasury still has a bit of a foundation, but Liu Yu said that if a pilot project is carried out in Songjiang, a Songjiang can attract capital from Jiangsu, Zhejiang, Fujian, and even Guangdong, and may even start a war against Japan without using a penny from the treasury, but some will make ......

This strengthened Li Gan's thoughts.

In the future, if the trade monopoly can be sold for one million taels a year, the investment of the navy can also be alleviated a lot.

The northwest and northeast have been basically pacified, and it will cost a lot of money to change the land and return to the stream, but as long as the military reform is completed, it will not be even more difficult to fight than Dzungaria.

Without the threat of the northwest and northeast, Dashun seems to be able to really invest more money in the navy that Liu Yu said can "raise the army with war".

Thinking about Liu Yu's words, Liu Yu is also well-behaved. At least in the insurance business, it is hoped that the emperor will allow the monopoly and monopoly, and the emperor will pay for it, not him Liu Yu to supervise it.

In addition, he took the initiative to say that the management of Songjiang Capital must have a special department, and it is directly under the jurisdiction of the emperor, so you can give it a try.

Songjiang may seem far away, but once the navy is built, it will actually be ten days away from the capital. And ten days, it is equivalent to the capital to manage Zhangjiakou, the navy's ships not only shorten the distance of the world, but also shorten the distance between the capital and Songjiang.

The distance of more than ten days made the emperor feel at ease and feel safe.

Anyway, if you want to do it, it's better to do it bigger.

If you really don't adapt to the water and soil, then you can kill it directly. Anyway, it's limited to the size of the place, and in the face of absolute military power, it's all controllable.

"Hmm...... If that's the case, then you can try it out. For Matsue Prefecture, the change is that the original water operation has been changed to sea transportation. For Songjiang, these changes are also attempts, and it can be said that they are starting from scratch. I chose one person to preside. ”

"This matter is not under the jurisdiction of the six governments."

"I also thought about it, if I punish the Japanese people in the future, if there is a sea-borne Caomi Chamber of Commerce, I can call up sea-borne silver and military rations in wartime. It's a win-win-win. ”

"I'm afraid it's too late this year, in your opinion, next summer, Songjiang and Suzhou will be able to transport rice?"

Liu Yu thought about the specifications of Dashun's maritime trade now, and his heart can still be used next year? If you want to do this this fall, the merchant ships of Fujian, Guangdong, and Zhejiang will flock to the city, vying for shares, and they won't even need to build new ships.

Ten percent of the duty-free cargo volume, the profit of Liaodong soybean return, I'm afraid you don't know how terrible the businessman's thirst for profit is.

"Back to Your Majesty, as long as Your Majesty agrees to the request of the envoy of Jiangsu Jiedu, there will be no problem with the shipping of Caomi in Songjiang and Suzhou next year."

After speaking, Liu Yu couldn't help but have a dark thought in his heart...... Perhaps, if the Yellow River breaks one day, causing the canal to silt up, with such a foundation, maybe the abolition of the water and the sea can be successful in one fell swoop. If the Yellow River does not break through, it will be difficult to completely change the sea.