Xin sprinkled the words that the tattoo seed wanted to make money, Sun Dan did not live at all, he was a person who loved money in childhood history, and his status was high. It's also a lot easier to get money. But. The Lu family is originally a wealthy family in Huguang, and his family business alone is enough to make him one of the richest people in the world. Therefore, Lu Bing was not trapped in a high position and corrupted into a huge greed.

What made Sun Dan strange was that how could this Lu Bing promise to cooperate with him?

It's as if the future Bill Gates suddenly appeared in front of him and said that it was inconceivable to be a business partner with him, a poor bastard.

Sun Dan never thought that he would encounter a good thing with pie in the sky, if there was such a thing. The biggest possibility is that the pie was cast in pig iron, and he could have been smashed to the ground.

Therefore, Sun Dan only pretended to be modest. "What good ideas can I have?" When I was in Shandong before, because I had an itchy hand to write a romance, I couldn't bear to put the book on the shelf and be bitten by insects and rats, so I simply borrowed the Sun family's book store to print tens of thousands of copies, so that more people could see it. Second, you can also earn some tuition. Sun Dan was born in a poor family, and his life was hard. With this money, it can last for a few years. ”

He sighed: "Shinong business, study, Sun Dan almost abandoned his studies. A small business. can't make a lot of money, but let Brother Lu smile and worship people and say that Zhong Xiang's Lu family is a well-known rich family in China, and it handles thousands of accounts every year. In the eyes of Brother Lu. What's my hard-earned money? You said you wanted to cooperate with me, and if you got your kindness, I couldn't give you any ideas. ”

"That's not what I said." Lu Bingzheng said: "Read, but it's always good to have a little money in your hand." Shinong businessmen, although the merchants are sent at the end. But it's also indispensable. Merchants are also indispensable for the circulation of materials in the north and the south, the stabilization of prices, and the raising of money and grain for the country. Moreover, although there are big and small businesses, the business methods and ideas are the same. Selling a bowl of noodles is the same as selling 10,000 stone flour. ”

He stood up and took Sun Dan's hand enthusiastically: "Brother Sun, don't be modest, in fact, many of your methods when publishing "Journey to the West" in Shandong are remarkable. If you're not single-minded. Even if it's going into business, I'm sure, within ten years. You will be the richest man in the world. My Lu family also opened a branch in Beijing, with more than a dozen stores. This meal has been almost eaten like this, if you don't have anything else to do, come with me to see the Lu family's business in the capital, and then give me some pointers casually. ”

Sun Dan was a little embarrassed, in fact, after going out of Shandong to Beijing, he had run out of money and was a little embarrassed. I thought about doing a new project. Let's see if we can make some more money. And now, something happened to Li Meiting, even if there is a handwritten letter from Emperor Zhengde, if you want Mr. Li to suffer less in prison, the amount of silver required is not a small amount.

Sun Dan was still very curious about Lu Bing's business in the capital. Not to mention that Lu Bing is a big celebrity for the future emperor, if you can have in-depth contact with him, it will be of great benefit to your career. Even if you can't become an official in the future, you really have to take the road of doing business. Look at what the first-class businessmen of this era look like, and it is also good for expanding your horizons.

Hearing Lu Bing's invitation, he was also a little moved: "This is not good, I am on duty, and it is not easy for Lord Qi to talk." ”

Lu Bing snorted, with a look of disdain: "Those two villains, they feel dirty when they look at them more." Is Brother Sun still tired of looking at each other, afraid of what they will do? ”

Sun Dan laughed, "It's good to let Brother Lu look down on it, anyway, I don't have anything to do today, so I just go to see the famous Huguang Guild Hall and the famous Zhongxiang Lu family." ”

Lu Bing saw Sun Dan nodding and was surprised: "I'm going to call a carriage, it's still a little bit of a way to go to the Huguang Guild Hall here, and it's too slow to go."

, Wang Fabi North

I got out of the restaurant and called a car. After walking in the city for half an hour, I finally arrived at the Huguang Hall.

Huguang Hall is located in the east of Beijing called Bensi Hutong, which is a famous business district in Beijing. Next to it is the Lu rice warehouse, which is also the place where the salaries of civil servants in the Ming Dynasty are placed. As a result, there is a two-mile bustling flow of people, with shops next to each other. The names of several surrounding alleys are also very interesting. For example: Donkey Market Hutong, Chow Noodles Hutong, Sheep Noodles Hutong, Youfang Hutong" You can see what is sold here from the name of the alley.

Huguang is ripe, the world is full, most of the rice merchants from Hubei are stationed in Huguang Guild Hall, the inside is very spacious, it is a five-entry mansion, and the yard is very large.

The Lu family is the leader of a group of Huguang merchants, and they saw Lu Bing coming. The two boys quickly picked him and Sun Dan in, and ran in to report.

Suddenly, a middle-aged man with a white face and a gloomy face came to receive him.

Sun Dan heard Lu Bing's introduction that this person's name was gold. He is the big shopkeeper of the Lu family in Beijing, and he is fully responsible for the business of the capital.

Gold speaks little, and speaks sharply and sharply. It's like a knife in your throat. As soon as Sun Dan saw this person, he felt uncomfortable in his heart. He had too many eunuchs in contact with during this time. As soon as I see this kind of yin person, I have a subconscious disgust.

When I looked closely, I was suddenly shocked. This yellow shopkeeper also has no Adam's apple. Could it be?"

Seeing Sun Dan's doubts, Jin Jin forced out a smile: "I know what you are suspicious of." That's right, I came out of the palace, and I was later taken in by the Lu family, so I became their big treasurer. ”

As soon as he said this, Sun Dan understood. There are 10,000 eunuchs in the Forbidden City, and some people have to be eliminated every year, and it is understandable that the Lu family will take in one or two eunuchs. However, the Lu family has a special relationship with the Xing Palace. Maybe this Huang eunuch came out of the Xingwang Mansion.

This matter has nothing to do with Sun Dan, and he didn't think about it anymore, so he nodded in understanding.

The guests and hosts sat in the hall, waiting for tea, Lu Bing pointed to Sun Dan and said to Jinjin; "Shopkeeper Huang. Although this Brother Sun is a well-known scholar, he has a very high talent for business. Our Lu family's business in the capital is losing money every year, and I came to him this time just to ask him to help me. See what is wrong with our business, and see if we can give us a way to make money. In this way, shopkeeper Huang, you first tell me what is going on in the business in the capital, so that Brother Sun can prescribe the right medicine. ”

Gold didn't seem to take this matter to heart, he picked up the teacup, and picked a piece of tea foam floating on the soup noodles with the long nail of his right finger, "Gross! With a pop open, he said softly: "If you talk about business, our family is having a headache!" The rice and grain needed in the capital had to be transported from Huguang along the river, and the consumption on the road was very great. A boatload of rice was transported from the two lakes to Beijing, and when it arrived at the ground, only one out of ten stops... :, and then deduct the expenses and costs on the road, it is good to earn a profit, naked shellfish Zhen this capsized, the government on the road to increase taxes or something, but play with some. In our opinion, there is not much to do in this business. ”

Even his own shopkeeper is not interested in doing business. made Lu Bing a little embarrassed.

But Sun couldn't help nodding: "Indeed." This business can be done in other places, but in the capital. It's not interesting to do this. "There was already a vague shadow in his heart.

Sun Dan shook his head: "I understand what Shopkeeper Huang means. It's just that you spend a lot of effort, but you can't make enough profits, and the income is not proportional to the pay. According to Sun Dan, the city of Beijing is at the feet of the Son of Heaven. The heart of the world has an innate business advantage. And relying on the relationship and connections of the Lu family, if you only do this kind of industry, it will inevitably be too low. The more the thoughts in his mind matured.

big

"Could it be that Brother Sun really has a good idea?" Lu Bing has a passion for business that ordinary people can't match. His eyes lit up and he asked hurriedly. "I have some ideas, but I'm not mature yet." Sun Dan nodded, picked up the teacup and warmed his hands: "Before I say my idea, can the shopkeeper Huang first talk about the big businessmen in this Beijing city and what kind of business they do." Gold: "Okay, I'll talk to you." There are tens of thousands of merchants in Beijing, but only a dozen or so of them are really doing big business. Among them, the three surnames of Shanxi, the second surname of Huizhou, and our Zhongxiang Lu family are the largest among them. ”

The merchants of Pingyang, Luzhou and Lu'an in Shanxi Province were the predecessors of the famous Jin merchants, and the Hui merchants of Anhui Prefecture were even more famous. It seems that these people started in the middle of the Ming Dynasty.

Shanxi merchants mainly sold cattle, horses and grain, while Hui merchants mainly engaged in silk and porcelain. As for the Lu family, it is more like a wholesaler of agricultural products. Of course, later Lu Bing became the commander of the Jinyi Guard. After being the first celebrity in the dynasty, he naturally has the means to make money. Otherwise, it would not be possible to rank after the King of Shu, the eunuch Huang Jin, the Duke of Qian, and Yan Ge Lao, and become the fifth of the seventeen wealthy people in the middle of the Ming Dynasty.

tasteless

Sun Dan asked Jin again: "Shopkeeper Huang, I don't know what the strength of these rich businessmen is?" "Shanxi and Huizhou are businessmen in the world. You can't be rich unless you get 100,000. Gold replied.

"Not necessarily." Lu Bing interrupted Jinjin's words: "In my opinion, the merchants in these two places have at least one million taels per household, and two or three hundred thousand taels are in the middle of Jia'er. ”

Hearing this number, Gold's face changed color, and he couldn't help asking, "Are they really so rich?" ”

Sun Dan took a long breath. The heart is also shocked. A net worth of one million taels of silver. Converted to modern monetary units in the Ming Dynasty. At least on the scale of billions. The ancients had simple business methods and no high value-added goods. Just relying on the trading of a horse and a sheep, a horse of silk and a grain of rice, you can accumulate such a family business, which sounds incredible.

correct

He originally planned to improve his family's financial situation by running a business, but when he thought of relying on this kind of small business to accumulate little by little, he felt that it was too long. It's too painful. Of course, if you become an official in the future, you can also accumulate a lot of wealth by using some means. The so-called three-year Qing Governor's Mansion, 100,000 snowflakes of silver. really asked him to be a corrupt official, but Sun Dan felt that he was too lacking in morality, and he couldn't do that kind of thing to scrape the ground anyway.

Sun Dan sorted out his thoughts, and already had a preliminary idea, he put down the teacup in his hand. Question: "I would also like to ask the shopkeeper Huang, how to deal with the funds needed by the foreign merchants in the capital to do business, and how to deal with the accounts?" ”

Gold chuckled proudly: "I know this best, naturally it is to be transported back to my hometown." There are not a hundred horse-drawn carriages that carry money from the capital every day, but dozens of them. These old hats, who don't know how to use them when they make money, are all packed in sacks and sent home. When the capital wanted money, it was sent by car. The other day. The car in which the Nie family was transporting money in Pingyang overturned. The cart full of copper coins broke the thread and rolled to the ground. I happened to see it. It is estimated that there are at least 50,000 yuan or more. Copper coins were rolling all over the ground.

Everyone grabbed it, and it was still crowded, and some people were trampled on and broke their arms. Cluck. Laughing to death in our family. ”

"What a backward business method!" Sun Dan muttered: "After the money returns to its hometown. They also had to be dispersed into countless parts to purchase goods in the countryside, and then transported to the capital for sale. Then he transported the money from the sale back to his hometown

"Isn't it all like this?" Gold was a little confused.

But Lu Bing felt something, and he looked at Sun Dan with a solemn face: "Brother Sun has thought of some good ideas, tell my little brother quickly." If it is really feasible, the younger brother is willing to cooperate with the eldest brother. ”

Sun Dan: "I don't know much about doing business, but I think it's a matter of doing business in the capital." There are unique conditions. If you only do ordinary business, you will waste such a good market. Maybe... Six

"Finance, finance!" A voice shouted in Sun Dan's heart.

Like the financial, cultural, and political centers of Beijing and Shanghai, Beijing has begun to take on the rudiments of an international metropolis. A big city like this, if in modern times. In general, the exhibition industry is not promoted. Moreover, people are more engaged in financial products, such as banks, bonds, real estate and the tertiary industry. And put the manufacturing industry in the second- and third-tier cities.

"What is the most profitable business?" Lu Bing then asked.

"What business is the most profitable?" Sun Dan touched his chin and smiled: "Naturally, the business that directly makes money is the most profitable?" ”

As soon as these words came out, not only Lu Bing, but even gold changed color on his face.

The gold slapped the seed and shouted sharply: "What a bold man, he dares to mint copper coins privately, aren't he afraid of being beheaded?" ”

Lu Bing looked at Sun Dan with blazing eyes: "Don't do it, I believe that Brother Sun is definitely not a person who violates the law and discipline, and it is impossible for us to do such a thing." Brother Sun, tell me what's going on? ”

Sun Dan smiled lightly: "According to the "Da Ming Law", those who privately mint copper coins will be killed, but I didn't let you make coins!" We don't make, we print. ”

"You mean printing treasure money, and printing that kind of thing is also a capital offense." Lu Bingli denied Sun's thoughts: "Besides, the amount of treasure banknotes is too large, and now it is like waste paper." on the market. Treasure money has always been exchanged for two pennies, what do you do with printing that kind of thing? ”

Sun Dan: "It's not Yinbao banknotes, it's the banknotes of the national bank." I don't dare to fake it. I mean, see if you can print some of these small paper tickets by your Lu family, it is used as a voucher when you use it, and you can go to the Lu family at any time to exchange it for the equivalent value of silver taels. ”

"Print our Lu family's own treasure money." Lu Bing's eyes lit up, one, "It's so spicy." Big brother, you say it in detail※

"I can't say it clearly for a while, otherwise I'll write a note to you. Look. If you can, do it according to that method. Sun Dan didn't study finance before. Although there is a lot of economics in the database, it will take time to sort it out.

"No need to come down, just now. Today, I don't have anything else to do anyway, so I'll write it in the Huguang Guild Hall. Lu Bing couldn't help but shout to the side: "Someone is coming, the four treasures of the study are waiting." ”

Sun Dan was very helpless, so he had to pick up the pen and sort out the information in his mind while summarizing it into words that the ancients could understand. Without getting too complicated, he sketched out the workflow of modern banking.

What business is the most profitable?

Naturally, it is the fastest way to print money directly.

Sun Dan's article is not long, it is only about 10,000 words in total, and Lu Bing can't understand what is too deep.

Fortunately, I wrote a few thousand words a day. Sun Dan's writing is extremely fast, and now he only asks for his hands. I didn't care if the handwriting was neat or not, and it only took more than an hour for the 10,000 words to come down.

After getting the Chen, Lu Bing immediately called several stewards and shopkeepers of the Lu family's major businesses stationed in the capital and asked them to take a look.

It didn't matter, and everyone took a breath of cold air. Then he danced and jumped at the same time.

"Good point!" A businessman who looked like a shopkeeper patted his head: "Ahem, why didn't I think of this method before." In other words, our Lu family's business has also become bigger and bigger in recent years. Rice grain can be harvested from it. Arriving at the capital and sending it to the capital, not to mention the huge cost on the road. It takes three times at the same time to sell the grain and return the cost. In the meantime, you have to advance rice money and freight, as well as labor and taxes on the road, and other expenses, and often feel that the cash in hand is not enough to use. If you can use treasure money, you can double the cost. In this way, my Lu family's business can be doubled. No, if we can attract enough businesses to deposit money in our business, it is possible for my Lu family's business to expand tenfold. ”

"That's right!" Another laughed happily: "Moreover, we can use this kind of money ticket for the purchase of grain and for the exchange of accounts in the future." It can save 20% of the cost. That's a net profit, how much rice you have to sell to earn it back.

"I said, you only see a little bit of small profits, don't you see the big article here?" Another person shouted: "If this kind of ticket number can pass through the whole country, what kind of grain business will we have?" The money and interest alone are enough for us to give birth, sneering at the "rat-eyed guy!" ”

Hearing this, everyone took a breath of cold air. If you think about it carefully, if according to what Sun Dantiao Chen said, other merchants can get three cents of interest every year if they deposit the cash in the Lu family's business, but if the Lu family puts the money out, they can get a profit. One in and one out, you can get seven points of profit without any effort. This is a good business without a profit!

Thinking of the benefits of this, some people couldn't help but laugh wildly.

Lu Bing naturally knew what was going on, and as far as he knew, the annual cash transactions of the major firms in the capital were at least one million taels. This is only one place in the capital, if it is extended to the whole country, I am afraid that tens of millions of taels are possible. This 10 million taels is used for lending, and there are 500,000 taels of profits.

In a year, you can get rich and empire. So. Ten years from now, twenty Chinese New Year's Eve and fifty years from now?

As soon as Lu Ying thought of this, his cold hair stood up. One is joy, and the other is fear.

He is a shrewd person, and he knows that this business alone can not be done by the Lu family, and he has to pull some people into the water.

"How's this one going?" Lu Bing asked everyone.

Compare. , stone ratio

"Nature is wonderful."

"Alright, everyone step down, remember to keep it a secret. I have my own words with Shopkeeper Huang and Brother Sun. ”

When everyone retreated, Lu Bingyi gritted his teeth and said, "This matter is settled, I decided to do this business." Brother Sun. The idea is that you are out, in the meantime, how the ticket number operates. And you have to check any details. Of course, relying on our Lu family alone, we don't have the strength to do such a big business. I also have to pull a few shareholders to join in. I am going to write a letter to the palace and ask the palace to participate in it. ”

"And me." The shopkeeper Huang, who had not spoken, suddenly interjected: "This kind of good thing can't forget our family." Our family has been lonely all their lives, and we also want to earn some pension money. I have 10,000 taels on hand, all for you. "The shopkeeper Huang is Huang Daban Huang Jin of Xingwangfu, he is a person who loves money very much, how can he let go of such a great opportunity. Although I don't know how to do business, it can be seen that everyone is a good business, and they naturally want to participate.

Sun Dan nodded: "The impact of this matter is estimated to be very large. Naturally, more people should be brought in. ”

Lu Bing: "I initially plan to do so, my Lu family will pay 200,000 yuan, and the palace will be famous." out of twenty or thirty thousand taels. The yellow shopkeeper gave 10,000. Brother Sun didn't pay for it. By the way, I am going to pull two more big businesses that have business dealings with my Lu family. The shares are divided like this: my Lu family accounts for 20%, the palace accounts for 30%, Brother Sun and the Huang shopkeeper each account for 10% and a half, and the other two firms account for 10%.

He smiled and looked at Sun Dan and Huang Shopkeeper: "Do you think it's good to distribute it like this?" ”

"Good!" Shopkeeper Huang nodded again and again, quickly calculated in his heart, and said: "Our family doesn't think too much, as long as we can return to our capital in a year and have an income of a few thousand taels a year." ”

Sun Dan was also happy in his heart, the so-called interest group. It is a collection of groups with the same interests that share a common goal, and such a relationship is the most stable and strong. accidentally became partners with the future emperor and ministers, and my Sun Dan's future is really bright!

He said, "Okay, I'm fine." However, I don't know much about business. I'll find someone else to come and help me run this business, and I don't have anything to do during this time anyway, so I'll be busy with the ticket number. Try to get this in order before the Chinese New Year. ”

Sun Danzhi is in the imperial examination, and he doesn't have time to do business, so it seems that he can only ask Sun Jia to come over to help take care of it. That little girl must like to do this kind of thing.

Sun Dan: "It's getting dark, and I still have something to do at night, so I'll leave first." ”

Lu Bing and Jin glanced at each other and said, "It's important over there, go quickly." ”

Coming out of the Huguang Guild Hall, Sun Dan only felt refreshed.

If the banking industry can be introduced to the Ming Dynasty in advance, there will be two powerful figures to cooperate, Jiajing and Lu Bing. It's hard to think about whether you want to make money or not.

In less than ten years, the wealth of the world will be all in the Lu family's ticket number, and my Sun Dan will also be rich and rival the country.