Chapter 592 The Problem of Lending and Operation

For visitors, especially high-rollers like Wang Xu who will pay for it, Sun Xiangfu will not be polite at all, the most expensive dishes in Jiuyuan Hotel will be given a round of talk, although, today's theme is definitely not to eat, but on the table, it must be full of dishes to be presentable, he is not worried about waste at all, anyway, he can pack it back if he can't finish eating.

Looking at Sun Xiangfu's feasting, Wang Xu said, "Brother Zhengming looks hungry!" ”

Sun Xiangfu glanced at him and said, "Isn't this nonsense, you stand on the platform and tell the people for two hours." ”

Wang Xu didn't feel anything unhappy because of Sun Xiangfu's white eyes, and continued to praise with a smile, "Tell the people for two hours a day? Brother Zhengming, you are really erudite, it doesn't matter, you eat first, and we will talk about it when you eat well. ”

If these people who followed Wang Hao at the beginning still have any doubts, after seeing the actual situation in Jiuyuan County, they have no doubts, even if the current agricultural products of Datang are not valuable, they also have the intention of buying land here, this kind of land that is not afraid of natural disasters is a sharp weapon that can ensure the thousand-year-old inheritance of the family foundation, but unfortunately, these lands, now the government is not selling out.

Of course, the favorable geographical conditions are only one aspect of dispelling their doubts, and what really makes them eliminate their doubts is Sun Xiangfu's reputation.

Li Bing's father and son, just successfully transformed Shuzhong, can be famous for thousands of years, Sun Xiangfu, but the transformation of Lingnan Road, Dingxiang Road, Shannan Road three major regional plates, of course, Guanzhong's transformation, he also contributed a lot, no matter what, in the future, his reputation in the history books will definitely not be bad, follow him, will definitely not end up miserable.

"Everyone moves chopsticks! The food in our Jiuyuan County is different from the north, it is very distinctive, after eating, let's talk about business again, I believe that everyone is here to talk about business today! Rest assured, I will not refuse to cooperate in business. ”

With Sun Xiangfu's words, many representatives of small and medium-sized families around the country have been relieved a lot, and they have moved their chopsticks to eat and drink, not to mention, don't look at Jiuyuan County, this place is not big, and in terms of food, it is really not bad, at least not weaker than some well-known restaurants in Chang'an.

Wang Xu didn't seem to be in a hurry at all, tasted the food on the table, drank some wine, and waited for Sun Xiangfu to eat before he opened his mouth to everyone, "The food in Jiuyuan County is really not boasted, just with this kind of cuisine, it is enough to open some big restaurants in the north, you wait, what do you think?" ”

Among them, a representative of the Yingchuan Chen family named Chen Shen said, "Well, indeed, if this set of ingredients and cooking techniques can be introduced, my Yingchuan Chen family is sure to build a luxury hotel in Jiangling City that can accommodate 5,000 people." ”

"Really? A hotel where 5,000 people are staying for a banquet is at least 3,000 rooms, plus the corresponding entertainment venues, furniture decoration, etc., this investment cannot be taken without 500,000 yuan. Wang Xu answered with some deliberateness.

Chen Shen said with a smile, "Not only can you take it, if it is prepared according to the new type of building, with luxury decoration, the total investment, I am afraid it will be close to one million, and the funds that my Chen family can currently use are more than 300,000 yuan, but if this project can be completed, we will find a money bank to borrow, after all, this business is done, and profit is inevitable." ”

"Hehe, you are dignified Yingchuan Chen family, it is impossible not to even take out a million guan!" Sun Xiangfu looked at them singing and harmonizing, and said with a smile.

Chen Shen replied, "That's naturally impossible, but my Chen family plans to launch four investment projects this year, not only to invest in the construction of a Huren-style hotel in the Broken Leaf City of Anxi Dadu Hufu, but also to build a hotel in Dali City in Yunnan County and Guangzhou City in Lingnan Road, and there is only so much money that can be allocated to Jiangling City, but you can rest assured, the head of the eldest grandson has come forward to find Gao Shangshu of the Ministry of Finance for us, Qian Zhuang, and will definitely lend enough money to our Chen family. If you are willing to let our Chen family's hotel introduce the cuisine of Jiuyuan County and provide us with stable ingredients, take a stake in our hotel, or sign a long-term supply contract, our Chen family is willing. ”

Listening to Chen Shen say this, this really seems to be a business, not to mention the matter of not owning shares in the Chen family's hotel, as long as you sign a supply contract with them, then Jiuyuan County will be able to make money properly.

However, Sun Xiangfu heard some other information revealed in his words, is the Chen family short of money for the investment in this hotel in Jiangling and needs to borrow, or is it that all the investment projects are short of money and need to borrow?

If a project is a project, it may be a loan of hundreds of thousands of yuan, and four large hotels borrow at the same time, the amount may go up to two or three million.

He was still thinking about it, but someone followed Chen Shen's words and said, "This business! Your Chen family can't finish it, I think, a place, the same characteristic flavor of the hotel, it doesn't hurt to have a few, just distribute in different neighborhoods, my Shuzhong Qujia, this year's investment projects are also a lot, not only in the next step of the imperial court to build a few big cities, Shuzhong state cities, and along the Yangtze River, there are also many cities ready to be built.

Occupy shares or something, I'm not the head of the family, so I won't say it, but I still have the right to sign an agreement with Jiuyuan County for the supply of ingredients, so that the output of Jiuyuan County, and even the surrounding counties that will be built in the future, can supply us with the output at a fixed point, and please Sun Gong think more about my Qu family! ”

"Well said, well said."

Sun Xiangfu didn't wait for the people behind him to take over the conversation, so he nodded first and agreed, and then turned his head to look at Wang Xu, who was looking at him with a smile on his face, it seems that this guy is completely here to give him a favor! If the output of these newly built fields in Shannan Province can supply hotels all over the country, then the people here will definitely become rich no matter what.

Seeing Sun Xiangfu looking at him, Wang Xu said, "Didn't I say before, the people in this world haven't gotten rich yet!" The younger brother naturally came over to help Brother Zhengming realize the concept of enriching the people.

They are all involved in hotels, real estate, amusement projects, and even fabrics, clothing, food production, etc., and are willing to invest in expanding their operations. ”

If you don't consider the market capacity, Wang Xu's request, Sun Xiangfu can be said to be obliged, because this is indeed a good thing, but Sun Xiangfu is a little worried, because they just mentioned the problem of borrowing.

Financial knowledge, Sun Xiangfu in the later generations did not learn professionally, limited by the level of science and technology, and information circulation, the financial management system of this era, relatively speaking, is very backward, Gao Shilian served as the secretary of the Ministry of Finance, I don't know how much gray hair, only to manage the existing financial industry in Datang, to barely messy, this fragile system, now can not afford to bear any big turmoil.

It's a pity that Datang has not yet been able to establish a complete statistical system, and for the data of all aspects of the market, there can be no accurate estimates, and it is basically in a situation of taking one step at a time.

Like later generations, banks can adjust reserve requirements by calculating the market liquidity ratio.

But in this era, if you count all the deposit data of all the money banks in the world, it may take more than half a year, and in this half year, I don't know how many deposits and withdrawals have been generated, so there is no way to calculate other data.

Sun Xiangfu borrowed nearly half of the money from Qianzhuang in the most difficult time in Datang to supply the military expenses of the Eastern Crusade, however, that data, up to now, must be outdated, in terms of the current deposits of more than 300 million yuan in Datang, 20 or 30 million yuan, accounting for less than 10%, there is no big problem at all, and in the case of the average annual output value of the people of Datang, Sun Xiangfu can't calculate it at all, how to grasp the degree of this loan, it really can only be based on feeling.

After struggling for a while, Sun Xiangfu simply didn't think about it, anyway, he doesn't have an official position now, even if he has any suggestions, the court may not listen to himself, just stick to the route of enriching the people, anyway, the court now has a set of management systems for Qianzhuang, even if the loan amount is larger, he is not afraid, Datang's future economic growth expectations are still very considerable.

So he said, "You borrow money from the bank to expand your business, and I can't say anything about this, after all, doing business, there are profits and losses, which will ultimately need to be borne by yourself, in terms of the operation and management of the industry!" I suggest that you learn more from the projects that have been opened and run well, and try to discover some distinctive things to enhance your competitiveness.

As for the cooperation you just mentioned, I myself am just an ordinary person now, and I can't even represent Jiuyuan County, so I can't make any promises to you.

However, I will try to help you make this happen.

However, there is one clause, if you encounter any problems in the future business and lack of money turnover, you can find a money bank to borrow, but you must not owe money to these ordinary people who provide you with various raw materials, how to sign various cooperation agreements, I will help you draw up a template, signed by yourself, with local officials and representatives of the people. ”

In any case, Sun Xiangfu feels that as long as he protects the interests of the people, there will be no big problems, and when the time comes, he only needs to agree on the money and goods to be cleared, and he will not be owed on credit, or see the regulations such as money shipments, which is equivalent to helping the people to develop the industry with these loans, and may also have to take some precautions against the family investors who borrow and operate.

Hearing that Sun Xiangfu said that he would try his best to help them facilitate, everyone was even more relaxed, and they only needed to go to Changsun Wuji with the letter of intent for this kind of supply agreement, which could greatly increase the success of their loans.

Because, a person with top management like Changsun Wuji must hope that the people can become rich, and when everyone's economic expectations for the future of the Tang Dynasty are good, he will actively promote the imperial court to issue loans to these family investors, revitalize the economy, and obtain political achievements.

After that, Sun Xiangfu was also very generous, on the future development trend of various industries, talked to everyone, after the establishment of the financial system, Sun Xiangfu is happy to see the transformation and development of the family, as long as they do not harm the country, Sun Xiangfu is willing to help them become rich.

Because, after they get rich from exploitation to business and get rich, they will become rich, and when they become rich, they will be able to read books, master knowledge, and completely sweep away the social phenomenon of the family's monopoly on knowledge.

The banquet lasted for more than two hours before it ended, listening to Sun Xiangfu's views on the future business, for these family representatives, it is like an enlightenment, no wonder Wang Xu, who has now become the head of the Dingxiang Wang family and the first person in the world, is also respectful to Sun Xiangfu.

It was not early, and the representatives of various small and medium-sized families chose to stay in the hotel, Wang Xu called the coachman and personally sent Sun Xiangfu back to his new residence in Jiuyuan County, strictly speaking, it is Sun Xiangfu's current home in Jiuyuan County, not the farmhouse where he temporarily lives because he wants to plant rice.

On the carriage, Wang Xu drank the local specialty Junshan silver needle, and after organizing the language for a long time, he said, "Brother Zhengming, perhaps, vigorously promoting commercial lending can help you complete the political goal of preventing Your Majesty from entering the Western Regions." ”

Hearing this, Sun Xiangfu was stunned for a moment and said, "What do you mean by this?" ”

"Think about it! This first of all, your Majesty does not have so much money to spend on military expenses. In addition, construction is started everywhere, and a stable external environment is needed.

Once Your Majesty starts a war in the Western Regions, the trade routes are cut off, first of all, the merchants of the Western Regions will not be able to come to our Datang to consume, and the businessmen and practitioners from all walks of life within our Datang will not be able to make money because of this, once they tighten their belts and do not spend money, it will lead to a comprehensive economic depression, and when the time comes, the voice of the people against Your Majesty's use of force against the West will be loud, Your Majesty loves the people so much, and he must not want the people to scold him for being reckless, so if Your Majesty is undecided on this matter and finds someone to ask you for advice, I hope you take that into account. ”

Hearing Wang Xu's words, Sun Xiangfu's eyes stared at him for a long time, and finally said, "This is the strategy that your Wang family elders would think of to move me?" ”

Wang Xu saw Sun Xiangfu's expression, nodded, and did not speak. ()

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