Chapter 149 is still the capitalist's momentum

At noon, when Zhang Anshi came back for dinner, he was called to the study by Yun Lang.

"How much money do we have on hand?"

"Sixteen thousand, seven thousand, eight hundred and eighty thousand."

Yun Lang smiled and said, "Let it all out." ”

Zhang Anshi said with some hesitation: "I'm afraid Guanzhong can't carry this money." ”

"Then it's not limited to Guanzhong!"

Zhang Anshi looked at Yun Lang's eyes and said word by word: "If you do this, you will be attacked by the Qian family in the world." ”

Yun Lang laughed silently, knocked on the table and said, "Will they kill me?" ”

Zhang Anshi said: "No, I don't dare, they will reduce the loan interest and compete with us for high-quality merchants." We still can't release a lot of money. ”

"How much will the interest be reduced and we will not be profitable?"

"Two cents!"

"How much will it be unprofitable for those Ziqian families to cut interest rates?"

"Six cents!"

"If the Yun Clan is lending at seven percent, do you think they will reduce the interest to seven percent?"

"No, they will only take a loan from the Yun family and then release it at a two-percent interest."

"That means if we only lend at a nine-percent interest rate, they'll follow up with the same rate cut, right?"

Zhang Anshi said: "If they borrow nine percent of interest from the Yun family and then lend it out, there is basically no interest at all.

Nowadays, if the borrower wants to use money, the first choice is cloud money, because only cloud money has the ability to exchange gold and silver, and naturally it will be delivered with cloud money.

They need to exchange cloud money first, and then lend it out, which is extremely lossy, and naturally it is not as profitable as our cloud money.

Nowadays, the five-baht coin, Qin half-tael in Guanzhong has been decreasing day by day, and there will be another five years, when we have minted enough cloud money, or established a cloud money trading model, Guanzhong will no longer have five-baht money and Qin half-tael.

If Guanzhong does not use five baht coins, Qin half taels, soon, the value of the local five baht coins and Qin half taels will plummet.

If Yun Qian stopped exchanging five baht coins and Qin half taels, it would be a huge disaster. ”

"It's not the people who will be damaged, will it?"

"It will also be damaged, but it depends on whether the people Mr. is referring to first-class households, second-class households, or Qiantou.

If the first and second class households are removed, even if there is no money in the world, it will not affect the Qianshou, because they themselves have no money!

It's all bartered. ”

"Then reduce the loan interest of Yun's money to eight percent, as long as there is collateral of equivalent value, it is not limited to the Guanzhong region."

Zhang Anshi perked up, rubbed his hands and smiled: "Is Mr. going to start a money war?" If this is the case, the disciple has a way to restrict the rest of the Qian family from pretending to be merchants to come to my Yun Clan Money Village for loans. ”

Yun Lang shook his head and said: "There is no limit, if they are willing to come to the Yun Clan to borrow, and are willing to limit the maximum interest to one or two, just lend to them, you inform those Ziqian families, they can come to the Yun Clan to borrow in a bright way, if the amount is huge, we can even reduce the interest lent to them to six percent!" ”

Zhang Anshi said puzzledly: "Sir, in this way, it will be the Yun family's money village that will be damaged, and these sub-Qian families will get money from the Yun family, and then lend it to merchants and people at an interest rate of one or two."

The difference of six percent in the middle will be eaten by them for nothing, you know, even if they lend with their own money, they are now only six percent profit. ”

Yun Lang patted Zhang Anshi's hand with a smile and said, "No, how can we control those Ziqian families?"

Another advantage is that we don't need to build money villages all over the world, as long as we use these people, we can completely squeeze all the small sub-Qian families in the local area who are still looting money with high profits.

The interest rate of one or two is already a rare good governance in the Han Dynasty, and we can't ask for too much. ”

Zhang Anshi smiled bitterly: "If they hear the news today, today every year will become a festival for them to carnival." ”

Yun Lang said: "Someone came today to teach me a truth, you can't fight alone, no matter how powerful our family is, it will eventually attract imperial suppression."

If many people are strong together, the power to resist the imperial power will be greater, at least it will no longer be a mantis arm as a car.

Go ahead!

Let's start the carnival days of the Ziqian family! ”

Seeing Zhang Anshi leave the study, Yun Lang left his seat and looked at the bright spring light outside the window, quite emotional.

Talking to politicians and military strategists about the way of business is tantamount to playing the piano with a cow, and it is completely finding the wrong target.

Gillian's desire to become a god is far stronger than the desire to make money.

Changping's desire to maintain the youth of the Liu family's imperial power is far greater than making money.

Cao Xiang just wanted to hold on to the defects and felt that there was no need to be aggressive.

As for Huo Quai, money was worthless to him, and he was used to exchanging the bloody heads of the Huns for what he wanted.

Therefore, the first purpose of politicians, military strategists has never been money, but politics!

Only those simple, pure, greedy, and lovely sub-money families will cherish every copper coin and think about making good use of every copper coin in their hands.

And these people are Yunlang's most solid foundation and comrades-in-arms!

Yun Lang believes that in the face of massive interests, they definitely have the determination and will to kill themselves.

The elderly Dong Zhongshu walked tremblingly on the stone road, and beside him, two boys carefully supported him.

The sun fell on his salallow face, and there seemed to be an almost divine connotation, and his steps were slow, but he walked forward with determination.

At the same time that Yun Lang saw him, he also saw Yun Lang, Yun Lang bowed deeply, and Dong Zhongshu returned the salute.

"Yunhou is also sick?"

Yun Lang pointed to his head and said, "It hurts." ”

"Why?"

"I suddenly found that I wanted to imitate the heart of the ancient people to treat the world, but the world gave me a heavy blow."

"If you think too far and the starting point is too low, you will have such troubles."

Yun Lang patted his head and said, "This is a worry that only sages have, I didn't expect that Yun would fall into such a predicament one day." ”

Dong Zhongshu slowly sat under the tree with the support of the boy, and said in a low voice: "The world only sees the present, but the sages will see the things that will be beneficial to the world in the future may not be beneficial now.

Therefore, Meng Ke saw King Liang Hui and said: Why bother with profit!

Your nature is not a noble, let alone a sage, and the frustration you speak of is just a little less benefit, what kind of trouble is this.

It's just as ridiculous to cry with a woman and feel that there is a little less man's favor. ”

Yun Lang shook his head and said, "Sir's opinion of Shang Jia is too biased. ”

Dong Zhongshu shook his head and said: "It's not that I measured it at will, but there is a basis, back then, Guan Zhong was a great businessman in the Qi State, and the Qi State was rich in the world, however, the former powerful Qi State had no enterprising spirit in the next two hundred years, and there was no strong person to turn the tide until it perished."

This is a good example of how it is difficult to have martyrs when everyone has only profit in their hearts and no righteousness.

All things that cannot be backed down and changed have become concessions and exchanges in the eyes of businessmen, they have no bottom line, and they will only measure benefits.

And the interests are not static, they have different variants at different times, different places, and different environments.

The interests of those who are hungry and thirsty in the desert are water, the interests of those who struggle in the great waters are a piece of land, and the interests of a person in life and death are security, and if possible, they will definitely exchange their most precious things for water, land, and security.

The exchange could be one's own money, one's wife, or one's own integrity.

Therefore, the merchant cannot be trusted! Merchants who did not appear martyrs are even more untrustworthy! ”

Yun Lang came to the tree, sat opposite Dong Zhongshu, untied the strap on his head and tied it to Dong Zhongshu's head, and when he saw that he seemed to be more comfortable, he said: "It may be difficult for you to accept Shangjia, so let's put this matter on hold."

Now, I have decided to do my best to help you unify the Confucian sect, if necessary, please let me know clearly, sir, Yunlang will definitely go all out! ”

Dong Zhongshu's eyes widened suddenly, and he immediately took out a stack of manuscripts from his sleeve and handed it to Yun Lang and said, "Immediately print three thousand copies, and you can add the emblem of your Yun family's money bank on it." ”

Yun Lang took the manuscript and looked at it and said with admiration: "Spring and Autumn Dew"? ”

Dong Zhongshu leaned his head on the willow tree and said lonely: "This book is not written by the old man alone, among which the old man is only "Wenju", "Jade Cup", and "Fan Lu", and the rest are Gongsun Hong, Hu Wusheng and my disciple Lu Bushu's articles.

Please Yunhou should publish it as soon as possible no matter what. ”