In the Ming Dynasty, Guangdong's maritime trade was not as showy as Jiangsu, Zhejiang and Fujian, but the term "the southern library of the Son of Heaven" is also the best proof of its maritime trade.

The Dutch, Spaniards, and the Portuguese in Macao had more contact with European colonizers, and their horizons broadened, so it was inevitable that they would be more receptive to new things faster and more quickly and to a higher degree than those in the inland provinces.

The opening of the fixed savings business of the Guangdong Development Ticket number soon caused a deposit boom among the people of Guangzhou, although most of them had left their hometowns for a time, but Chen Kai's policy of returning to his homeland and his hard work over the years would have given him some savings.

You don't have to do anything, just wait for time and you can sit back and enjoy it. This kind of temptation is always indispensable for most people.

In Guangzhou, the people's enthusiasm for saving money is high. In the following days, most of the news from the semicolons of other provinces was also like this, especially in Chaozhou, where the people's livelihood is the best in Guangdong Province at this stage, and there are not as many investment opportunities as Guangzhou and Qiongzhou.

Real money is converging, and it will take time to form a scale, but at least the trend is something that shareholders like to see. However, in some aspects, such as interest, there are still objections.

"Compared with loan sharks, our interest rates are already very low. If it is lower, it will not be able to compete with loan sharks. ”

Private lending has been a thing since ancient times, but the regular savings of this ticket number is a new thing. Competition, always need to come up with a tempting enough plan, but according to the current trend, the total amount of deposits in each province is rising, things are often two-sided, the good side exists, and the near and far worries are also indispensable for shareholders.

"Now there are more and more deposits, what does this mean, it means that when the repayment date comes, we need to repay more and more principal and interest. We are not here to compete with usury, nor can we strangle usury. This interest will still be adjusted after that. ”

The interest is set at this ratio, which is Chen Kai's intention. From Chen Kai's point of view, the more deposits, the greater the operating space of the ticket number. As for interest, since he dared to do this, he naturally had his own ideas.

"Even if it's an adjustment, it's a matter of the future, and now that the momentum has risen, it's up to us. Instead of worrying about repayment in one, two, three, or five years, it's better to hurry up and do the next thing. This is not just for the boss of the army to watch, but also for the lives of all the monarchs here! ”

As usual, the shareholders of the ticket number are still members of the Guangdong Business Alliance, and this is also the first collective action of the alliance, and members from all provinces in the province have different degrees of shareholding. Speaking of which, in the past two years, the Guangdong Business Alliance has indeed made a lot of money, but after all, the time is still short, and the original accumulation is not enough for them to have the strength and space to deal with sudden changes, so they need to seize the time to develop, and they can't have a moment and a half of leisure.

"The latest news, the latest news, Shunde Silk Weaving Workshop mortgaged the workshop and mulberry field in Xingtan Town to the Guangdong Development Ticket Number, and loaned 120,000 taels of silver for further expansion. The Shunde Silk Weaving Workshop has already released a word, saying that it will double the current production scale within two years! ”

Xingtan Town is an alluvial plain of rivers with staggered water networks and fertile land. After the Shunde Silk Weaving Workshop initially completed the layout of the two towns of Longjiang and Longshan, it immediately started on Xingtan Town. Now, it is the silk production base of the Shunde silk weaving workshop and the first two, and this time the workshop mortgaged all the mulberry fields and workshops there, and once the investment failed, it was a broken tendon and fracture injury.

"The Shunde Silk Weaving Workshop is really courageous, and the Guangdong Development Ticket Number is also willing to pay for the silver, seeing them tossing so much, our micro-officials and petty officials are also dull and boring."

The tide of savings has spread throughout the province, although because the ticket number is only set up in the prefectures and cities of each prefecture, so that more of the gentry and common people in the prefectures and cities are affected, but the Guangdong governor Yamen is indeed located in the city of Guangzhou, and the petty officials and officials inside the yamen also have many of their savings taken out.

"You don't want to do it, a lot of people are willing to take your position, don't talk nonsense." In the office room, an old man taught the complaining colleague a lesson, and then relieved them: "People have to take risks, and the things that need to be considered are definitely not what we can imagine sitting in the office room." As for us, the interest on the savings is guaranteed by the army, which is the safest. Others, it is people's ability to earn money, and what does it have to do with us? ”

Those who can see it often live more easily, but such people are always a minority. After saying this, everyone hurriedly agreed, but how many people listened to it, it was a matter of two words.

They are in the governor's yamen, which is the most important place. Here, everyone knew that this set was thought up by Chen Kai, and they couldn't help but look in the direction of Chen Kai's office, even if there was a wall to block it, in fact, they couldn't see anything, it was just their imagination.

"The feudal treasury guarantees and pays the guarantee money in exchange for the credit guarantee of the government. Savings are then encouraged, interest is given. It was profitable, and with the official treasury as a guarantee, the gentry and the common people naturally flocked to it, and silver would pour into the ticket number in large quantities. Next, the deposit money is used to lend money to the workshops and merchants who need it. Of course, there must be collateral, such as appraising the value of the workshop, lending 8,000 taels worth 10,000 taels, and counting the interest, if it is not repaid, the workshop will be confiscated and resold, and there will be interest to eat if it is repaid. Merchants who lend money to maritime trade can also use similar methods, but they have to mortgage real estate, that is, they cannot take it away, and bad debts and bad debts are taboo, and they can't afford it at the initial ......stage."

In the office room, Chen Kai chatted with great interest about the Guangdong development ticket number, without the slightest intention of hiding his selfishness, and Zheng Tai, who suddenly visited, also listened with great interest, if he was not really embarrassed to steal Chen Kai's "family heirloom", he would have liked to take the paper and write it down word for word.

Hurried from Fujian, Zheng Tai certainly didn't come here to learn from the experience. It's just that as soon as he arrived in Hong Kong to transfer, he heard the strange news of Guangzhou City, and as the God of Wealth of the Zheng Group, he naturally had great interest in it. When he arrived at the governor's yamen, he asked about the matter after a few greetings, and Chen Kai's attitude also made him feel a lot more relieved.

"There are always wonderful ideas, but this thing is something that Fujian can't learn."

Theoretically, the Zheng Group's income has far exceeded that of the same period in history, and it has even begun to sound the clarion call for transcendence in the Zheng Zhilong era. However, all this was based on the Zheng clique's military occupation of large areas such as Guangdong, Fujian, and Southern Jiangxi, and the withholding of taxes and monopolized salaries were all based on this army of more than 200,000 soldiers. The cost of raising troops is extremely huge, and it is a lot of money to earn and spend, especially when Zheng Chenggong is now wholeheartedly launching a new round of reconquest offensive.

The lack of money in the Ming Dynasty was the lack of money in the imperial court and the government, not the lack of money in the people. Chen Kai's side is more likely to attract private capital. In Fujian, after an economic war in which the bottom and middle class have all turned into extreme poverty, even the family of wealth has been stripped of its skin, and the wealth accumulation of the people is not as good as that of Guangdong, and the model of the Guangdong-Haihai business alliance is far more than the traditional natural economic recovery, which makes Fujian congenitally does not have such conditions.

"Aren't you afraid that the interest rate is too high?"

This is also what Zheng Tai wants to ask, even if he knows very well that the profits from the trading of the Guangdong Commercial Alliance are enough to support such an interest, but if there is a real surge in production, the unit price of goods will inevitably be affected, and such an impact is likely to affect the maritime trade of the entire East Asia region in the case that Guangdong has become an important source of goods for the southeast sea trade.

Zheng Tai foresaw this, and Chen Kai naturally understood it. Speaking of which, the reason why he is so much is that there is a huge profit side in industries such as silk, spices, cotton cloth, etc., which have been injected and fattened by the Guangdong Business Alliance, and the huge profits make the participants earn a lot of money, Chen Kai needs more financial income, since he can't think about the land tax and Ding Fu, then try to think about the commercial tax. And the way he thinks about it is not a simple tax increase under the traditional model, but further fertilization capacity, producing more goods, selling more goods, and naturally collecting more taxes.

Interest is a means to attract savings, at first it is natural to be more vigorous, first to make a name for themselves, even if the income will be much smaller during this period, but as long as the production capacity can go up, everything is worth it.

"After a while, interest rates will still have to be adjusted. Well, I'll figure out a new way. ”

"Then the foolish brother will wait and see."

Chen Kai needs to mobilize more funds to strengthen the Guangdong side to deal with the next crisis. His mind has never changed, but Zheng Tai's side, from the perspective of the Zheng Group, is also happy to see Guangdong's production capacity increase - with the source of goods in hand and the increase in goods, they can grab more profits through sea trade, and trade-based mercantilism is naturally happy to see this.

In fact, Chen Kai has already come up with more perverted methods, but the sequelae of such methods are too great. This is like what is written in the martial arts he has read, decent martial arts pay attention to gradual progress, and the foundation is stable, so it is not easy to go crazy. And those evil crooked ways, the results are fast, it is true, after practicing for a few years, you may have the skills of the former for more than ten years or decades, but if there is a problem, it is good to abandon all the previous efforts, and if you don't get a life, you will directly explain it.

Chen Kai naturally wouldn't talk about this with Zheng Tai. Fear of teaching Zheng Tai badly is one of them, and more importantly, because of the existence of Zheng Jing, Chen Kai needs to leave some hole cards that will not be easily taken out unless he has to. It's for survival, but it's also for the future of this country.

After talking about this new matter, Zheng Tai quickly expressed his intention. This year is a crucial one for the Zheng Group, Zheng Chenggong is actively preparing for the next round of offensive, and he is racking his brains for silver. Chen Kai has never needed them to worry, and the food in Guangdong is also indispensable to the Fujian army. Some time ago, Zheng Tai's Ma Tsai talked about increasing the amount of acquisitions, which was already a supplement to the Zheng Group, and he didn't plan to gain an inch. However, since the beginning of the embargo and embargo on Spain, there has been no problem with the implementation of the Guangdong side, but there is still a problem, and there is a problem that is not within Chen Kai's jurisdiction.

"Ohki and I got word that someone had set sail from Gaozhou to Manila to do business with the Franciscans. The order to intercept has been issued, but when it comes to Gaozhou Mansion, Damu still has to listen to Jingcheng's opinion. ”

Zheng Tai is the God of Wealth of the Zheng Group, and the amount of money he handles is huge, and it stands to reason that the matter of a few sea ships cannot be done by him to come to Guangdong in person. However, for the Zheng Group, the embargo on Spain is related to the prestige of the group in the China Sea, and this prestige is of great significance to the future development of maritime trade, which cannot be ignored. What's more important is that the matter involves Gaozhou Mansion, which is directly under the jurisdiction of the Yongli Imperial Court, and as a matter of the relationship between the big feudal town and the small imperial court, it has always been the most sensitive to it.

"I also got tangible news about this matter, but from the system, Zhang Xiaoqi is under the jurisdiction of Guo Zhiqi, whether it is me, the governor, or the king of Min in Damu, he can't control him, and he has enough reasons not to ban sailing. As for the problem, I will set out to solve it, solve it once and for all, this loophole must not allow him to continue to exist. ”

This was actually talked about by Zheng Tai and Chen Kai in Fuzhou last year, and Chen Kai once laughed that it was the Zheng Group that was hungry. It's just that he wasn't fully prepared for the situation at that time, and even now, everything is still at five or five. It's not that Guangdong's troops can't defeat Gaozhou Mansion, which has been pressed by Chen Kai Zhang Yue and Guo Dengdi's two nails, but that this matter can't be solved by military means at all - the imperial court, after all, it is the imperial court, even if there is a good reason, internal strife is not conducive to the current situation.

However, with Chen Kai's words as the foundation, Zheng Tai immediately felt a lot more relieved. Within the Zheng Group, even Chen Kai's father-in-law, Zheng Hongkui, is far less confident in Chen Kai than Zheng Chenggong and Zheng Tai. The former is a tacit understanding for many years, while the latter is purely to understand Chen Kai's new tricks again and again, and the impact of these new tricks.

The embargo on the Spaniards is the top priority of the Zheng Group's foreign trade at the moment, but the Dutch, who are stronger than the Spaniards, have not taken any action recently. In Zheng Tai's words, they reported in the eyes of the senior that the senior side seemed to have disagreements with the existing relationship with the Zheng group, and the two sides were still arguing, even on the Batavia side.

"I don't have time to pay attention to them now, brother, I wonder how long Damu can give me to fill in these towns."

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