"Now, his paper mill will continue to grow, not only limited to the business in Chang'an City, but also expand to the other four capitals, Taiyuan and Fengxiang, he has already bought the land and plans to build a paper mill."

"Why did he dare to take such a risk? Let him speak for himself. Li Mu motioned for Feng Si to come to him, and Feng Si took out a parchment roll from his arms. Sheepskin has always been one of the carriers of writing, and in order to preserve it for a long time, important contracts are still transcribed in sheepskin.

Feng Si unfolded the parchment scroll to show everyone, and said, "I dare to act so risky, and there are two things to rely on. First, with the help of Hou Ye, my paper mill has signed a contract with Datang Daily, and from now on, five years from now, all the paper used to print Datang Daily will come from my paper mill. Next year, Datang Daily will set up newspapers in Fengxiang, Taiyuan and other five capitals, so I will invest on the spot to build a paper mill. ”

Someone couldn't help but ask, "Then where does your money come from?" Even if you make some money during this time, it's not enough to support the construction of paper mills in various places at the same time, right? ”

Feng Si glanced at the person who was asking, he happened to know him, and said, "Shopkeeper Zhao asked well, this is my second reliance." Because my paper mill has signed a contract with Datang Daily, and with the guarantee of the next five years of shipments, it was recognized by the Ministry of Internal Affairs as having a 'good prospect', and I exchanged 30% of the shares for 30,000 yuan of capital injection from the Ministry of Internal Affairs, and at the same time received 50,000 yuan of interest-free loan line from the bank. My own money, plus the money for the capital injection, plus a loan of 50,000 yuan, and the construction of two paper mills at the same time, is more than enough, and there is no burden. ”

What Feng Si said, Cheng Qian didn't know. Li Mu did not say these things in his letter, and he, like all the businessmen present, heard of it for the first time.

This way of doing business is very new. Is there such a good thing in the world as a sign of a contract, and then using it as a basis to borrow money from the bank to expand the paper mill without interest?

Cheng Qian asked the doubts in his heart on behalf of the businessmen.

Li Mu explained with a smile: "Of course, not all businessmen can have such preferential treatment as Feng Si. Feng Si was able to get such treatment because he knew all the details of his paper mill from the day of his birth to the present. I know what he's capable of and can predict the future of the paper mill. The risk is manageable, so they will lend him money. Moreover, there are also risk clauses in the contract, if Feng Si cannot supply the paper required by Datang Daily, or increase the price and reduce the quality without permission, it will be regarded as a breach of contract. The cost of breach of contract is very large, and in the contract agreed between the Ministry of Internal Affairs and him, if one party breaches the contract, the compensation is ten times the amount of the injected funds! ”

Ten times over! That's 300,000 guan! Everyone was speechless, such a price was almost unbearable. It seems that you need to be very cautious when signing this contract, and if you are not careful, your own business will go to the Ministry of Internal Affairs.

But at the same time, the temptation is great.

The first temptation is this 'order' production model. Businessmen have never been afraid of not being able to produce things, but they are afraid that they will not be able to sell them after they are produced. Establishing a contract before production almost avoids this risk, and all the businessman needs to do is production.

The second temptation is this 'interest-free' loan.

In today's market, the interest rate on loans is generally more than 200%. Although the public office of the government has a loan with 100% interest, it is basically the same, and I have not heard of anyone who has borrowed it. The treasury of the Tang Dynasty is empty, and money is used everywhere, how can there be money in the public office to lend to others.

If you have this interest-free loan, coupled with the order from the Ministry of Internal Affairs, business is booming, which is really not an extravagant hope.

Cheng Qian, who is backed by Cheng Fu and is not short of money, is also thinking about it. If you can spend other people's money and do your own thing, why not do it?

Without Li Mu's guidance, Cheng Qian asked what he thought: "Master Hou, please tell me in detail, how to get this order, and what kind of loan method this interest-free loan is, the big guys are very interested." ”

"Let me first explain to you that this order and the loan are not tied together. Shareholding can also be discussed, it is not that if you are not allowed to buy shares, you will not be able to get orders and loans, all of which can be separated. ”

When everyone heard this, most of their worries were put down. Most of them are just agents, and the worst thing is that they can't call the shots. The big businessman has his back to the gate valve, who wants to let others become shareholders?

"Let's talk about this order first." Li Mu paused and said, "The order is divided into two aspects, one of which is the order of the Ministry of Industry. To give you an example, now we also know that the Ministry of Industry has built a factory and is stepping up to build the ploughshare of Zhenguan plow. As everyone knows, only the ploughshare cannot plough the land. It also needs parts such as plough wall, plough bottom, press, strategy, plow arrow, plow wheel, plow tip, plow evaluation, plow construction and plow plate, etc., and the Ministry of Industry has limited manpower, so it can only produce the most difficult ploughshare, and the remaining parts also need someone to produce. This is an order. ”

Someone thought about it and asked boldly, "I don't know how many sets Master Hou plans to order?" ”

The corners of Li Mu's mouth hooked, and said, "Basically, how much I can make, how much I want." The first batch, starting with 10,000 sets. ”

Everyone gasped!

10,000 sets, how much does this have to be. Take the cheapest price, always a set of money, of course, it can't be so cheap, the actual value is higher, after all, Zhenguan plough can replace ploughing cattle to a certain extent.

Roughly calculate the cost of labor, and take this order, the net profit of the first batch can exceed 3,000 yuan. There are nearly 2 million farming households in Datang, and even if only a quarter of them use Zhenguan plows, it is still 500,000 sets. 10,000 sets is 3,000 sets, 500,000 sets-

Quite a few swallowed their saliva.

Li Mu took everyone's reaction in his eyes and continued: "There is also an order from the Ministry of Internal Affairs. As for the orders of the Ministry of Internal Affairs, there are many types. Say a common one, such as buying in the palace. As for purchasing, as the Minister in Charge of the Ministry of Internal Affairs, I naturally want to spend less. But after all, it's business, and you can't make everyone lose money, so I will adopt a novel situation. ”

"The Ministry of Internal Affairs regularly publishes a list of commodities to be purchased, for example, 30 Nanmu trees are needed. Three days after the list was announced, everyone gathered to bid. The one with the least bid will get the order. ”

The one with the fewest bids? Everyone was stunned for a moment, and immediately reacted. It's not about buying, it's about selling. The less you sell, the less you earn, the more money the Internal Affairs Office will save, and the Hou Ye has a good calculation!

This is understandable, Li Mu's position is to make as much money as possible and spend less money. And since it is a business, there will be profits to follow, and if the profits are too low, no one will do it.

Where could they have thought of Li Mu's vicious thoughts, this purchase order from the Ministry of Internal Affairs will be a stepping stone to the Ministry of Industry's order in the future. If you want to eat fatty meat and not spit it out, how is it possible? Purchase orders are used to trick people!

"The order is simple, and those who can know it. There will be an announcement at that time, and everyone will know at a glance. I'm going to talk about the shares and the loans, which have to be put together. ”

Li Mu smiled and said, "Don't think I don't know, the loans on the market today generally have more than three times the principal amount of one-year interest. Even if it is a public house, it is double the interest. Borrow 10 times, and return 20 times. Therefore, there are rumors among the people, saying that once you borrow, you will never be able to turn over, and it is not clear that you will be a slave and a maid for a lifetime. ”

"You are all businessmen, and you will definitely not do this kind of loss-making business. But today and then it will be different, everyone must have seen the bank next to the yamen of the Ministry of Industry. Here, as long as there is collateral, you can take out a loan. Interest for one year, not more than three cents. In other words, you can borrow 10 times at the beginning of the year and repay 13 times at the end of the year. It is ten times less than the loan interest on the market! On this basis, there are also advantages, if it is a short-term loan, less than a year, the interest can be less, and the loan within three months, the interest is only one point. With such a low interest, I dare not compare with Fan Li in the Spring and Autumn Period, but it is also the least loan interest after the Qin and Han dynasties! ”

All the businessmen nodded one after another, they were doing business, and they were dealing with money every day. They know better than anyone what the interest rate will be. There are also people with sad faces, they all have a money lending business, and now as soon as the bank's 'ultra-low' interest rate lends out, their loans with three times the principal interest are over.

"If you have money to spare, you can also put it in the bank. By the bank, help to release it. If the interest rate is between 5% and 25%, the bank will make a 5% payment. Li Mu smiled angrily: "As soon as the bank's lending comes out, your lending business will come to an end." If you have money to spare, you may want to consider it. Although it is not much more profitable than you make money by lending on your own, it is better than stability. The bank is directly under the Ministry of Internal Affairs, and no one wants to owe the money of the Ministry of Internal Affairs, whether it is a relative of the emperor or a nobleman. Please rest assured of this. ”

No one doubts this, Li Mu's style of acting, he can do it.

"At this point, some people may think that it is unfair. Why can the paper mill in Fengsi have interest-free loans, while our loans require interest? I would also like to explain to you that the Ministry of Internal Affairs acts fairly. There are two reasons why Feng Si can get an interest-free loan, one is that Feng Si's paper mill supplies paper to the printing supervisor. The Printing Superintendent is also under the command of the Ministry of Internal Affairs, and the fourth seal can be regarded as solving the problem for the Ministry of Internal Affairs. In addition, the most important point is that if you have passed the review of the Ministry of Internal Affairs and met the standards of the Ministry of Internal Affairs, you can get interest-free loans of different amounts if you have a stake in the Ministry of Internal Affairs, which is also one of the means by which the Ministry of Internal Affairs supports your business! ”

When the businessmen heard this, they completely understood Li Mu's routine.

The work he can't finish is scattered in the form of orders, such as this Zhenguan plow, the irreplaceable ploughshare, which he makes himself, and the other wood parts, everyone helps him build them, and then he assembles them and sells them, and the bulk of the money is still there for him.

As for this loan, it's even more despicable, although he didn't force him to buy shares, but if you don't let him buy shares, he will ask you for interest, isn't this still a two-way block?