After Ning Yu and Ning Zhongyuan decided to cast the cannon, they did not delay any longer, and after staying in Hanyang for the night, they went to Cui's Mansion early in the morning to bid farewell to the teacher they had just recognized.

After listening to what Ning Yu said, Cui Wancai was a little surprised, and said, "Where did you read the book from?" Why haven't I seen it before? ”

Ning Yu broke out in a cold sweat all of a sudden, but when he was talking, he forgot about the genius next to him who claimed to have read useful books all over the world, with Cui Wancai's strength, it was a simple trick to never forget anything.

Seeing Ning Yu's embarrassment, he couldn't answer, Cui Wancai didn't force him too much, and said: "To do things, sometimes you have to look at the road, but also look at the sky." ”

Ning Yu couldn't understand this sentence for a while, so he had to respond, and then took his family back to Xiaogan County quickly. It's really time tight, otherwise Ning Yu really wants to listen to more teachings by the teacher's side and benefit a lot.

After half a day of traveling, Ning Yu rushed back to the old house of the Ning family in Xiaogan County, and remembered to find Ning Zhongjing, thinking about discussing the matter of casting cannons with him.

But in the old mansion of the Ning family, Ning Yu not only met Ning Zhongjing, but also met the two heads of the Zheng family and the Cheng family.

The head of the Cheng family is a white-bearded old man, called Cheng Yuanzhi, is the elder brother of the old lady, according to the kinship, Ning Yu also has to call an uncle, is the big family of Huangzhou Mansion next door, Ning Yu's sister Ning Ning married is the big medium of the Cheng family's head of the family, and the relationship between the two families is like a family.

The head of the Zheng family is named Zheng Xian, in his early forties, and is Mrs. Zheng's elder brother, that is, Ning Yu's uncle.

At this time, the three of them gathered together, obviously for the Ning family's money and mineral salt.

After Ning Yu made a big salute, Ning Zhongjing smiled and said: "The two heads of the family, Yu'er is the one who discovered the Yunmeng Salt Mine, and he is also the master of the Ning family money village this time. ”

Cheng Yuanzhi has always loved this nephew, and he was happy in his heart, and said: "My good nephew is amazing, I still remember that Yu'er was born in the forty-fourth year of Kangxi, and the sun was shining all over the sky on the day of birth, which was similar to the glow a few days ago, it was so good-looking, I still remember that year....."

This old man is old after all, and this mention of the past is non-stop, and he doesn't care whether the other people here listen to it or not, he just cares about himself and has a good time.

Zheng Xianxin said that if he let the old man talk about it any longer, he would not be able to talk about this serious matter, so he reminded: "Old man, let's put this past thing aside for a while, what kind of charter is this matter in front of you?" You can break it. ”

Cheng Yuanzhi stopped at this time, stroked his gray beard, and said after a long time: "If you want to talk about Yu'er's mineral salt, it must be a great thing, the Ning family is not willing to eat alone, and is willing to give a part to our Cheng Zheng family, that is the kindness of the Ning family!" As for the specific regulations, it's up to you juniors to plan it! ”

This was said beautifully, and Ning Zhongjing and Ning Yu got up at the same time to thank them.

Zheng Xian took over the conversation and said, "I understand what Ning Sanye just said about the salt company, but I still don't understand it in my heart, what is the method of this money bank?" Yu boy, you tell your uncle. ”

Ning Yu was also not polite, and said: "Uncle, uncle, this money village can be regarded as a shelf, no matter what role is sung on it, it is performed on our shelf, and this time I have made money, so I must give a part of it to this shelf first." Considering the cultural level of these large landlords in the Qing Dynasty, Ning Yu deliberately said something closer to the times.

"This salt company is this corner, but one corner is not enough, it can't hold up a show, and there will be more corners in the future, such as my Ning family's mines, shops, and the Cheng family's land wharf, the Zheng family's silk shop, restaurants, etc., we can all hold it."

"How? For example, my salt company, in the early stage of planning to recruit people to buy equipment, needs 100,000 taels, and later opens up personal relationships and expands production, and it costs 100,000 taels, so the 200,000 taels of silver in the early stage can be gathered through the money village. ”

Several of the people present are human spirits, so it is naturally not difficult to understand, and they listened very carefully one by one.

Ning Yu took a sip of tea, and then said: "Then Qianzhuang invested these 200,000 taels, but the salt mine itself is not only worth 200,000 taels of silver, for example, in the long run, this salt mine is worth 1 million taels, then these 200,000 will account for 20% of the shares, and if you make 200,000 taels a year, then you can divide 40,000 taels to Qianzhuang." ”

"The same is true of the bank, for example, whether it is the operation of the bank in the early stage or the investment, it needs a total share capital of one million taels, then the million taels will be divided by each family, and the shares will be distributed according to their respective capital contributions."

"For example, my Ning family will pay 500,000 taels, and your two families will each pay 250,000 taels, then my Ning family will account for 50%, and your two families will each account for 20000 taels, and if you go back and make money, you will divide it according to this model."

"If we want to accept new shareholders later, we will dilute the shares according to the proportion, so that the more prosperous the operation of the bank, the more valuable the shares, maybe the 250,000 taels of silver invested now will be worth 2.5 million taels in the future."

After saying this, Ning Yu's mouth was dry, but everyone in the hall listened to it with relish.

Zheng Xian stroked his palms and praised, and said: "Yu'er, you are really a genius, this money bank still has such a wonderful place, and we usually just use the money bank to make a living of some loans, but it's a pity." There is only one point, what if the business invested by the money bank loses money? ”

Ning Yu Zhengse said: "It's normal to make and lose money in this business, if you really lose, all the shareholders of my money bank will bear it together." However, before investing, it needs to be voted by the board of directors of the bank. ”

"In this way, in order to make a profit for my own money, the board of directors of my money bank will naturally review the investment business in every possible way, and the probability of loss will naturally be greatly reduced." Ning Zhongjing said on the side.

Ning Yu said with a smile: "The third uncle is really far-sighted. At present, this investment business is only used for the fields, shops, docks, and mines of the three families of Ning, Cheng and Zheng, for example, if you want to expand the scale, you can use the power of Qian Zhuang to achieve a soaring skyrocket. ”

Everyone nodded one after another, each calculating in their hearts whether their business needed a money bank, and then thought that if they really used the power of money bank, their own business would be able to expand a lot of scale. If you have spare money in your family or relatives, you can also take it out to invest in dividends, which is much better than hiding it in the ground.

Ning Yu said again: "Originally, I planned to use the name Ning's Qianzhuang, but now that I think about it, it is a little inappropriate, why don't you choose a name?" ”

Cheng Yuanzhi shook his head for a while before he spoke: "Naturally, the source of wealth wants to be connected to the world, so it is better to call it Huitong Qianzhuang!" Everyone's eyes lit up, and they decided on this name.