In the teahouse in the backyard of Chengfu Inn, Zhao Liang, Xiaoya, Chai Bin and the innkeeper Niu Dayou chatted while sipping fragrant tea, and the topics were nothing more than business economics, and the first Jiangzhou Business Conference was about to open.

Regarding the topic of doing business in the mall, Zhao Liang is only a little superficial, and the only bit of knowledge is mostly from the Internet and TV series, so when talking to Chai Bin and them, there is always a bit of a sense of plausibility.

However, Zheng Luya's situation is very different.

As a high-achieving student who graduated from the Department of Economics of Peking University, and did hands-on practice in the Mu family firm of Tianfu during the Song Zhenzong period, and later became a military food official merchant designated by the Ministry of Treasury, Xiaoya is well aware of the business system, operation mode and pros and cons of the Song Dynasty.

After chatting, Chai Bin couldn't help but applaud again and again, exclaiming: "Wonderful! Brother Zhao and Mrs. Zun's ideas are simply wonderful. To tell you the truth, I thought that Lord Zhizhou was already a rare business wizard, and he always had some new ideas, which made me and other businessmen admire. Who would have expected that when I heard the high arguments of the two of you today, especially Mrs. Zhao's unique opinion just now, I had the feeling of 'wanting to be poor for a thousand miles, and going to the next level'. Brother Zhao, when Chai comes to Japan, he will definitely introduce the two of you to Lord Zhizhou, and he will also have the feeling of meeting a bosom friend when he is allowed to protect him, hahaha. ”

Zhao Liang saw that he mentioned Jia Rudao, and hurriedly said politely, and then asked, "Are Chai officials familiar with Jia Zhizhou?" ”

"Hey, it's not just acquaintance!" Niu Dayou on the side said with a smile: "Chai Daguan and Jia Zhizhou can be called friends of Mo Zhizhou." ”

"Oh, what Boss Niu said is exaggerating," Chai Bin waved his hand again and again, and said modestly: "That's completely Lord Jia's love and giving us Jiangzhou business interface, how can Chai be qualified to make friends with Lord Zhizhou?" ”

He turned to Zhao Liang and Xiaoya, and said with a smile: "The two of you are from the capital, and you must know about this parent official in our Jiangzhou. Master Jia is young and promising, talented, and an uncle of the country, with a noble status, I heard that he was also very famous when he was in Lin'an. ”

Zhao Liang nodded hurriedly: "That's that, Lord Jia's name, it's very loud on our side." ”

Chai Bin smiled happily and continued: "I won't tell you that Chai has followed his father around to do business since he was a child, and he can be regarded as accustomed to seeing the world from south to north. But a superlative person like Lord Jia is really heartbreaking. ”

"Oh, what's so good about this Lord Jia?" Zhao Liang took the opportunity to inquire: "We have only heard of his name before, but we don't know much about his people and affairs. ”

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Chai Bin picked up a preserved fruit from the plate with two fingers, put it in his mouth, and said with a smile while eating: "Speaking of Master Jia, there are really endless allusions." However, what Chai admires the most is his insights on business. ”

Niu Dayou shook his head and interjected: "It's funny, this scholar is actually proficient in doing business?" ”

"Alas, no, no," Chai Bin corrected him, saying, "Master Jia is not proficient in the way of doing business, but has a particularly novel view of business. Let's take this business conference, for example. Since the Tang Dynasty, all kinds of guild organizations have emerged all over the country, especially in our Jiangnan, where all industries are prosperous and commerce is developed, and corresponding guilds have been established for all the main commodities circulating in the market. Although the guild is only a non-governmental organization, because there are influential large businessmen who come forward to preside over it, they are very interested in the transactions of their industries.

Commodity pricing and competition rules all play a crucial role, and sometimes even the government has to pay attention to it. ”

He paused slightly and continued: "The business conference advocated by Lord Jia is to form a broader and more powerful trade circle on the basis of the original guilds, which he calls a 'platform'. ”

"Platform?" Zhao Liang was a little surprised when he heard this, and immediately remembered several big bosses surnamed Ma in the real world.

Chai Bin nodded: "Yes, it's the platform." In this platform, commercial guilds across the country can use Jiangzhou as a fulcrum to conduct comprehensive goods trading and price comparison, and at the same time, they can also match the support of government-run money banks and water transportation to improve the reliability of trade. In addition, the incubation of the order system is also a highlight of the platform of the business conference, businessmen from all over the country through the exhibition and sales of the business conference, to the local workshops in Jiangzhou to place purchase orders, and then by the government-run money bank to carry out the guarantee transaction, so that even if the small workshops do not have much strength, they can also get the loans provided by the government-run money in advance, with these funds to buy raw materials, expand manpower, etc., and then step by step incubation into large businesses. ”

"That's a great trick!" Niu Dayou sighed: "My brother-in-law was originally because he didn't have enough funds on hand, so he could only watch a lot of big business fly away. If you want to borrow money to expand your business, either no one dares to lend it to him, or it is a loan shark, so there is nothing to do. Later, the government-run money bank came forward to help, and there were real business orders as guarantees, which solved the difficulties of small businessmen and sellers at once! ”

Chai Bin smiled and nodded: "Who said it wasn't?" Originally, I wanted to do something similar, but without the support of the yamen, no one could afford to do this business. As soon as Mr. Jia mentioned this matter, Chai immediately said that he was willing to take out the money and join the government-run bank, which can be regarded as a modest contribution to his hometown. ”

Niu Dayou held the tea bowl and poked his head over: "Hey, Brother Chai, I heard that Qianzhuang is going to further expand its share capital?" ”

"Well, that's right." Chai Bin replied: "One of the purposes of this business conference is also to attract more business friends from all over the world to join the bank. Because Lord Jia not only wants to support the development of ordinary trade at the moment, but also has a bigger plan. ”

Xiaoya asked curiously, "What plan?" ”

Chai Bin smiled slightly: "Buy land." ”

"Buying land?" Zhao Liang, Xiaoya and Niu Dayou couldn't help but be stunned when they heard this.

Chai Bin explained: "Yes, buy land. At present, land throughout the country is increasingly concentrated in the hands of large landowners. This has become a growing problem for the state. Previously, the imperial court had been using the 'peace method', requiring the big landowners to sell the rice produced in their fields to the state on an obligatory basis, hoping to make up for the loophole of the excessive concentration of the land and increase the grain reserves of the state treasury. However, the more rice purchased, the more paper money the imperial court had to issue, which is the 'Qian Yin' and 'Jiaozi' that we currently use a lot. As a result, the money on the market is becoming less and less valuable. Jia Daren suggested abolishing the regulations of the Japanese Empire, reducing the circulation of paper money to stabilize prices, and then limiting the amount of real estate owned by the owners, and turning the land beyond the limit into public land from the state, and then renting out the public land to farmers for farming, and the income from it was used to pay off military needs. ”

Hearing this, Zhao Liang looked at Xiao Ya beside him, and a thought rose in the hearts of the two of them at the same time:, this is another major change around land ownership!

At this time, Niu Da asked curiously: "Brother Chai, do you mean that Master Jia plans to use the government-run money village to raise funds from the people, and then come forward to purchase these lands for the imperial court?" ”

"Exactly." Chai Bin looked a little excited: "We will gather the spare funds of large businesses from all over the world, acquire a large amount of land, and then lease the land

It was cultivated for the landless peasant households, and part of the grain produced was left for the peasants, and the rest was handed over to the state treasury to replenish the military salaries. ”

"So where do the merchants who have invested in the shares profit from?" Niu Dayou then asked.

Chai Bin smiled and replied, "This is the genius of Lord Jia." He set three profit strategies for shareholders: first, tax reduction; 2. Salt and iron joint venture; 3. Imperial court repurchase. ”

Zhao Liang was a little confused when he heard this, and asked: "I can understand the tax reduction, it should be to exempt the businessmen who have invested in the government-run money village from a certain tax burden, but what does the salt and iron joint venture and the imperial court repurchase mean?" ”

Xiaoya and Niu Dayou were also curious, and listened carefully to Chai Bin's explanation: "Salt and iron have always been monopolized by the imperial court, and private individuals are not allowed to engage in business, otherwise it is tantamount to violating national law." However, according to the grain handed over to the imperial court, the government-run money village can be discounted into the two government-run businesses, and share the dividends generated every year, which is the so-called salt and iron joint venture. As for the imperial court's repurchase, it is even simpler, and when the treasury has accumulated to a certain extent and has enough silver taels in hand, it can buy back the land acquired by the money village one by one in batches and become a real public land. In this way, the part of the land premium can also become a large part of the profit of the shareholders of the bank. ”

"Wonderful! Such a strategy is simply beneficial and harmless to us businessmen. Niu Dayou's eyes lit up, and he smiled at Chai Bin: "I said Brother Chai, we have been friends for many years, this time the government-run money bank expands its capital, you must let my brother and me get involved!" ”

Chai Bin smiled and nodded: "It's easy to say, Lord Jia has said hello, the second phase of financing, as long as you are willing, you will not refuse, hahaha." ”

As he spoke, he turned to Zhao Liang and said, "Brother Zhao, what do you think?" Do you want to pull some friends in the Lin'an business field to join the shares? ”

Before Zhao Liang could speak, Xiao Ya asked first: "Chai Daguan, is this government-run money bank only operating in Jiangzhou, or is it all over the country?" ”

"At present, it is only operating within the scope of Jiangnan West Road," Chai Bin said, "Your Excellency is the governor of Jiangzhou and the pacification envoy of Jiangnan West Road, and in this territory, he has the final say." However, if you want to push it in the entire Great Song Dynasty, I am afraid you have to wait for him to enter the cabinet as a prime minister. ”

"Isn't that a matter of time?" Niu Dayou knocked on the lid of the tea bowl and said: "With Lord Jia's background and ability, the feudal marquis is just around the corner." ”

Chai Bin bowed slightly: "What the shopkeeper Niu said is right, I'm afraid everyone in the world can see it." Therefore, he is also ambitious, and this Jiangzhou Business Conference invited well-known businessmen from all walks of life across the country to participate, which is the meaning of rehearsing for future plans. ”

"How is the share capital calculated?" Xiaoya asked.

"Oh, the new plan has not yet been decided, and we will not know until this meeting between Master Jia and various business friends," Chai Bin replied: "The first batch of us to join Qianzhuang was calculated according to 2,500 yuan per share, and a total of more than 4,400 shares were raised, of which one-fifth came from the government, and the rest were collected by local business gentry. ”

Zhao Liang secretly calculated in his heart, and couldn't help sticking out his tongue: according to Chai Bin's statement, this so-called government-run money bank has not yet opened, and only some businessmen in Jiangzhou have already gathered 11 million yuan of funds.

Xiaoya is from an economic background, and her feelings are stronger than Zhao Liang's, she knows that such a financial oligarchy formed by using the endorsement of the government has the terrible power to buy heaven and earth at every turn.

Once that traverser has mastered this power, it's not as simple as being a prime minister.