Lu Tianxiang and Sun Dalei have been busy for a while. Wang Jian came www.biquge.info news from Yazhou that Wang Kezong had agreed to lease Yulin Bay to the Crossing Group, but this guy has always been ambiguous in terms of price. Lu Tianxiang and Sun Dalei went to Yazhou, talked with Wang Kezong and Chen Mincheng, and finally figured out why Wang Kezong never let go.

Wang Kezong meant that this matter must not be implemented literally, but the silver that should be given must not be less. Lu Tianxiang knew that Wang Bai, the deputy envoy of Guangdong Haidao, allowed the Portuguese to enter Macao in order to pay tribute to Emperor Jiajing, and accepted a bribe of 500 taels of silver from the Portuguese every year. It was not until around 1571 that Wang Bai's bribery was revealed, and the officials who succeeded Wang Bai did not dare to collect the bribe money as their own, but changed it to land rent and publicly handed it over to the state treasury to show that he was different from his predecessor and to show his integrity, and the 500 taels of land rent was paid until 1849.

The reason why Wang Kezong was reluctant to sign any text agreement with the crossing group was probably because he was afraid of repeating Wang Bai's mistakes. But Chen Mincheng secretly told Lu Tianxiang that the road for Wang Kezong to rise one more liter might be blocked. Gu Bin, the governor of Wanzhou, gave a big gift to the newly appointed governor of Liangguang, Wang Yehao, which is said to be no less than 2,000 taels of silver, and now the above means that Gu Bin will be considered.

After talking for a long time, it was still silver. After Lu Tianxiang and Sun Dalei returned to Yulin Bay, they discussed with other committee members and decided to help Wang Kezong with this favor. But what to send, the committee members are a little difficult. The silver, it's too vulgar, I'm afraid it won't be able to enter Wang Yehao's eyes, go find something strange, I'm afraid it's too late, because this Wang Yehao has been the governor for a year. The committee deliberated and deliberated, and finally decided to send a full-length mirror. Although the samples of mirrors produced by the Industrial Bureau are not very good, there are still some modern mirrors on the Pearl. The one-foot-square mirror that was originally held up to Gao Peng was sold for 1,200 taels, and if you find a larger one, it will be worth three or four thousand taels of silver.

When Lu Tianxiang and Sun Dalei put a 2-foot-wide and four-foot-long dressing mirror and a set of glass wine glasses in front of Wang Kezong, Wang Kezong's eyes were straight. This thing, let's not talk about 10,000 taels of silver.

The following things went much smoother, and Chen Mincheng, on behalf of Wang Kezong, reached a verbal agreement with the crossing group. Yulin Bay and Tiandu Mine, a total of more than 50 square kilometers, were leased to the crossing group, and Yulin Bay paid 5,000 taels of silver to Yazhou every year as a fee for renting land, and paid all the taxes paid by Yazhou to the state treasury. Within the leased land, the Crossing Group enjoyed a high degree of autonomy, could make laws according to their own customs, form yamen, freely employ Ming Dynasty people to work, and could have a militia of no more than 500 people as an armed force. However, the Yulin Bay People's League is subordinate to the Yazhou Thousand Households Office in terms of establishment, and Yulin Bay has the obligation to assist the Yazhou government to protect the security of the entire Yazhou.

In the end, the two sides also agreed that once the imperial court found out, the crossing group must not admit that it was leasing Yulin Bay, and could only say that it was a merchant from overseas. Fortunately, these people are the same as the Ming people, with black hair and yellow skin, and they also speak the words of the Ming Dynasty, so Wang Kezong doesn't have to worry so much.

After Sun Dalei was busy with the land lease, he began to work on the bank. New silver coins and alloy coins have been minted, because the minting of these metal coins requires molds, and the Industrial Bureau is now busy taking care of it, so at the request of Fan Qiuming, the currency of metal coins has been reduced from the original 7 categories to 3 categories, which are silver dollars of one tael and one coin, and copper and steel alloy coins are used for one cent of silver. The obverse of each metal coin depicts the same sun and moon rising at the same time, and the reverse side indicates the value of the currency.

For one tael and one cent of silver dollars, the Ming Dynasty people in Yulin Bay are completely accepted, this kind of silver dollars are not only sufficient, good fineness, but also novel style, and there is no need to weigh or not use the amount. But for a penny of silver, the thinking of the Ming Dynasty people seems to be a little resistant. Isn't that seemingly beautiful thing just a piece of iron, and such a small piece of iron can be used as a penny of silver? Sun Dalei had no choice but to call on the traversers to take the lead in using this currency, and made a provision that all the shops and restaurants opened by the traversers themselves should only accept this currency as much as possible in order to increase its circulation.

But Sun Dalei made a fundamental change, all the Ming Dynasty people who served the crossing group will no longer be paid in silver every month, but will be given a small card to each person. On this card, called a passbook, the name, position and amount of money deposited by each depositor are clearly marked. And tell every passbook holder that there is no need to keep the silver at home, and when you need to use it, you can go to the silver account to withdraw it, not only do you not charge a handling fee, but also pay a certain amount of interest according to the number of days of deposit and withdrawal.

On the first payday with the introduction of passbook paychecks, everyone at Yulinwan Bank was busy all night. Except for the traverser, no one believes that this card alone can receive silver, and the Daming treasure banknotes of the year are still vivid. Some people did not line up that day, and when they took out the money the next day, they were surprised to find that the silver they had withdrawn was a little more than the money marked on the passbook. Although there is only a little bit more, the news still spread quickly all over Yulin Bay, and putting silver into the silver number of the old man in Yulin Bay can really make it small. Everyone in the Yulin Bay Bank didn't sleep much the next night, and a large number of people who had taken the money the day before came back and deposited the money back on the small card.

Sun Dalei finally waited for the first Ming Dynasty person to come to take out a loan---- Wu's sister-in-law from the garment group. Sister-in-law Wu has been working in the garment group of the Women's Federation since she came to Yulin Bay. Although Sister-in-law Wu has no culture or experience, she is called a shrewd person with a small abacus. During her days in the garment group, Sister-in-law Wu saw the efficiency of Jenny's spinning machine and shuttle with her own eyes. Therefore, when the committee wanted to transfer these two patents and put all the military uniform tents in the future in the form of orders, Sister-in-law Wu had the courage to unite several fellow villagers in the garment group and found Tan Jing together, wanting to buy this patent.

Tan Jing agrees with Wu's idea very much, for more than a year, Tan Jing's brand is the Women's Federation, but the work of the Women's Federation is basically to make clothes, raise pigs, raise chickens, and the entire garment factory and farm. When Fan Qiuming was the chairman, Tan Jing consulted with the committee several times, demanding that these miscellaneous things be divided out, and that the women's federation should be a full-time woman worker, not a chicken and pig raiser. But neither Fan Qiuming nor Sun Dalei took this matter to heart, so as soon as Sister-in-law Wu said that she wanted to buy the patent and open a factory by herself, Tan Jing immediately led Sister-in-law Wu to find Sun Dalei and ask for a loan.

"Da Lei, you must support our women's work. You see, now even Sister-in-law Wu is actively asking for progress, and she knows that she wants to invest in setting up a factory. What does this mean, it shows that our women in Yulin Bay can also hold up half the sky. ”

Sun Dalei didn't listen to Tan Jing's chatter at all, and he squeezed out a Tang monk in his mind: "People are born of people, demons are births, Onlyyou。。。。。。 ”

Sun Dalei shook his head and drove this Tang Seng out of his mind: "Sister-in-law Wu, if you want to take out a loan, no problem." But there are a few questions that I have to make clear to you in advance. ”

Sister-in-law Wu hurriedly stood up: "Master Sun, you say." ”

"Sit, sit. Don't be nervous. Sun Dalei poured a cup of tea for Sister-in-law Wu, "Loans, that is, borrowing money from the bank, the first is to have interest, and second, there is to be a mortgage." And we also have to find someone to look at your investment project to see if the project is futured, that is, whether you can make more money by borrowing money and doing things later. ”

Sun Dalei's words directly made Sister-in-law Wu dizzy, and Sister-in-law Wu looked at Tan Jing for help.

"Da Lei, what you said is so complicated, can Sister-in-law Wu understand?" Tang Seng reappeared in Sun Dalei's mind again, "You just tell us directly, what you need to borrow money from your bank, and we will go back and prepare." ”

"Sister Tan, let's put it this way." Sun Dalei drove Tang Seng away again, "I also understand what Sister-in-law Wu means now." According to my general estimates, the current annual order for military uniforms, tents, canvas and other needs of the Yulin Bay army is about 10,000 taels of silver. Because we have both spinning machines and looms, and we employ fewer people and have high efficiency, the gross profit of the army's orders is about 4,000 taels a year. In addition, cotton cloth may also be a product that we will open the market in Vietnam and Guangzhou in the future, according to Sun Tianhao's calculations, this piece is estimated to be 10,000 taels this year. If you want to complete these orders, just the purchase of machinery, the construction of factories, the recruitment of workers, and the purchase of raw materials of the working capital, add up to about seven or eight thousand taels, as well as the patent transfer fee for two machines, the committee's price is 3,000 taels, in addition to the share, 2% of the net profit belongs to Yulin Bay. So the total investment is about 13,000 taels to 15,000 taels of silver. ”

Before Sun Dalei finished speaking, Sister-in-law Wu stood up: "Master Sun, I won't borrow it." With so much silver, I can't afford to pay it back in 10 lifetimes. ”

"Sister-in-law Wu, don't worry, listen to what I say." Sun Dalei motioned for Sister-in-law Wu to sit down again, "There is a lot of silver, but if this factory is really operational, it will only take about four or five years to pay off the loan." In other words, Sister-in-law Wu, in five years, you can earn at least one factory. After 5 years, you can earn at least 2,000 taels of silver a year, will you do it? ”

"Master Sun, you didn't lie to me, did you?" Sister-in-law Wu stood up again, "2,000 taels a year, my mother is here, I can't dream of this." ”

"Da Lei, is it really like what you said, Sister-in-law Wu can earn 2,000 taels a year?" Tan Jing asked.

"Sister Tan, this is the charm of industry." After Sun Dalei finished speaking, he suddenly changed his Mandarin, "But Sister Tan, the loan must be secured." Sister-in-law Wu, they definitely can't take out any collateral now, if you really want to help them, you can use your shares in the crossing group as collateral, and you will be the guarantor. ”

Tan Jing thought for a while: "Okay, I'll make a guarantee." For the sake of the women of Yulin Bay, I sacrificed once. ”

"Sister Tan, don't sacrifice." Sun Dalei still smiled in Mandarin, "But there is a problem, if you use the shares of the Crossing Group as collateral, I am afraid you will have to use more than half of your shares." The Second Amendment to our Convention stipulates that the pledged shares cannot exceed 20%, and it may be troublesome to amend this. ”

"So what to do, is there no other way?" Tan Jing asked.

"There's a way." Sun Dalei said with a smile, "I'll do the privilege, I'll go and tell the committee, your 20% stake plus all the equipment investment in the factory should be enough." ”

Tan Jing participated in the committee meeting as the guarantor of the loan. For simply handing over such a large project to the hands of the Ming Dynasty, Xia Yang was the first to stand up and oppose it, which was too risky. In the future, if Wu's sister-in-law and her management are not good, and the loan cannot be recovered, not to mention that the army's order will be delayed, then the problem will be big.

Sun Dalei and Tan Jing collectively persuaded Xia Yang, first, because so far, no one has been suitable to take over this project. Since the crossing group was changed to a joint-stock system a year ago, all those who can work alone have done it alone, and those who have not done it alone, except for the people of the committee, the industrial bureau and the military, the rest are people who have no ideas at all, and the biggest wish every day is to carry a cage and a bird, and transfer a woman from a good family or something. However, a few people and Sun Dalei proposed that they wanted to take over, but after investigation, they were basically not suitable. Second, if Sister-in-law Wu can really do this project, it will be a great shock to the people of the Ming Dynasty in the entire Yulin Bay and even Qiongzhou Mansion. Yulin Bay can tell them with facts, follow Yulin Bay, and make a fortune.

The matter was finally finalized, Tan Jing, as a guarantor, used her own shares as collateral to help Wu's sister-in-law borrow 10,000 taels of silver from the bank with an annual interest rate of 10%.