The third volume sailed in the Ming Dynasty

After formulating specific policy strategies, the entire Governor's Mansion was very busy when the New Year was approaching, including Qin Haoming himself.

Daming Bank is okay, after all, it has overlapping functions with the business of the bank, and everyone knows a thing or two about it, and it has a direction and purpose.

However, the SASAC is a brand-new department in this era, which sounds more abstract, involving many departments, requiring different professional personnel, and Qin Haoming needs to worry more about himself.

Especially in the selection of personnel, many things need his idea. But as Qin Haoming said, this is an excellent article, done well, enough to go down in history.

If you don't do it well, you will be anxious and powerless.

Jintai Road, Gulou District, Fuzhou, is adjacent to the southwest corner of the Governor's Mansion and has always been the most prosperous commercial land in Fuzhou City. The people who live around are either rich or expensive.

But years ago, the residents who were close to this place all moved one after another, not because they wanted to, but because they had to move by order from the Governor's Palace.

The conditions were very favorable, and the Governor's Palace gave them land, money, and help them rent houses, as well as other commercial concessions.

Nowadays, most people pay attention to the people and do not fight with the officials, and few people are willing to cause trouble, besides, the governor's palace has a good official authority in the people, at least it does not disturb the people.

Subsequently, all these houses were demolished, and the small storefronts were rearranged and re-arranged, and three hundred-strong teams were stationed here to take charge of the progress of the project.

That's right, the project is very tight, and Hong Dixin, the second secretary in charge of government affairs, is personally in charge. You may not be able to see anything from the outside, but there has been a great change on the inside.

Moreover, the careful people of Fuzhou found that the vigilance there was becoming stricter day by day.

Although until now, ordinary people still don't know what this yamen with the head office of Daming Bank is doing, but just look at this pomp, it will be amazing.

Fuzhou is the provincial capital, not to mention that there are many kinds of yamen, but they are also a handful, but I have not seen other yamen have this kind of protection, which can almost be compared to the supervision of the yamen.

At this time, in the west attic of the backyard of the Governor's Palace, another high-level dialogue was also being held. According to the soldiers, this is the residence of the second lady Yan Yunniang.

As soon as you enter the courtyard, a gray brick road in the middle points directly to the hall.

The hall doors are four dark red doors, and the middle two doors are slightly open. The rhombic wooden windows in the side porch are open, clean and refreshing. In front of the porch, there are rattan chairs and rattan tables, three feet away from the rattan table, and the flowers and plants are thick.

The originally luxurious courtyard looks more vivid and simple against the backdrop of flowers and plants.

Early in the morning, the cold wind was still whimpering, and Qin Haoming had already made tea in the hall to entertain Zheng Zhilong, who came by appointment.

"No, Governor Qin, come by yourself."

Zheng Zhilong stood up and waited to serve the tea in person.

"Mr. Zheng is polite, today, you and I have both glory and loss, there is no need for this?"

Qin Haoming waved his hand, smiled and put the tea saucer on Zheng Zhilong's coffee table, and then gave Yan Yunniang, who was accompanying him, a cup.

This made Yan Yunniang blush, why didn't Ailang let her do it, what could she do? But the sweetness in my heart was inadvertently revealed on my face.

Zheng Zhilong is no better than others, he was originally her father Yan Siqi's subordinate brother, and now he is barely a member of his mother's family, when he married Qin Lang, he paid a dowry of nearly one million to earn face for her.

Although because Qin Lang and him have a superior-subordinate relationship, Zheng Zhilong once made it clear that he did not dare to call himself his mother's family, but this affection exists with each other.

Therefore, Qin Lang's respect for her and pampering her in front of Zheng Zhilong is enough to explain everything.

"Governor Qin, the last general understands that some people from Fujian and Guangdong have not returned to the sea, I am afraid that they were too hasty a year ago, how about after the Lantern Festival next year?"

Zheng Zhilong thought that Qin Haoming was summoned because of the matter of the General Administration of Customs, and hurriedly explained the situation.

"There is no urgency in this matter, this year has passed, and it will be May and June to go to sea next year, and there will be people going to sea when the trade winds are coming, and they will also prepare goods.

There is a fortune today, let's see if Zheng Zongbing is interested? ”

Qin Haoming sipped tea and informed Zheng Zhilong of the detailed affairs and strategies for the establishment of Daming Bank.

Banks are not afraid of more equity, the more funds the better, and the credibility is sufficient.

In this way, the layout of outlets can be accelerated, and, seriously, the current appeal of the Zheng family in Fujian and Guangdong provinces is stronger than the governor's palace, which is an indisputable fact and does not need to be concealed.

"Qin Du, this has to be ...... How much silver do you have to absorb, according to you, we need to pay interest to others, if we really collect tens of millions of taels of silver, then a year is just profit, not a small amount?

Add to that the salaries of the hired staff, the shops that are rented everywhere, and this ...... That's an astronomical amount...... In the end, he also has a rich bank, but he knows the profits......

If other money banks are bad and join forces to run on Daming Bank, this collapse is also a matter of every second, please be cautious! ”

Zheng Zhilong listened to all the regulations, just thought about it slightly, and then expressed the concerns in his heart.

"Haha......" Qin Hao laughed loudly: "Zheng Zongbing, you are too worried!" But whoever keeps money in the bank, who has nothing to do with it and takes it out again?

Even if it is profitable money, they want to keep it in the bank and make more profits! As long as the money does not go into the pockets of these depositors, then the control is ours, what are you afraid of?

What is even a run on a few cities? It's a big deal, we just transfer it from other state capitals. From this point of view, it is not difficult at all.

Moreover, when we collect our money, we have to take it out for investment and to lend, and these returns are far higher than the profits given to depositors! Earn without losing money! ”

Zheng Zhilong was still frowning, bowing his head in contemplation.

The reason is that 100,000 people deposit their money in the bank for a certain period of time, but they will not withdraw the money at the same time, which is much more cost-effective than doing business with usury, but ......

"But Qin Lang, doing business is risky, don't forget, we have a cost.

The annual interest is five cents, that is, people deposit 1,000 taels of silver, and at the end of the year, they have to pay 5 taels of silver to others......

You know, according to what you said, we accept and store 1 million taels a month, and it will be more than 10 million taels in a year.

Even if it is 10 million taels, we will have to pay 50,000 taels or 50,000 taels for interest alone? Coupled with the salaries of the hired personnel and the cost of the venue, our annual cost alone will exceed 100,000 taels!

Can it really be earned? In a few years, it is possible to lose all the capital? ”

Yan Yunniang was afraid not to mess up, and pointed out the key issues with a smile.

"The cost of 100,000 taels? I'm afraid it's much more than that? ”

The corner of Qin Haoming's eyes swept over his beloved wife, and he smiled comfortably with tea: "If Zheng Zongbing becomes a shareholder, within next year, this governor will open branches in Suzhou, Beijing, Songjiang, Jinling, Nanjing and other places."

These semicolons, together with the hired manpower and the interest to be paid to others, will not be less than 200,000 taels in a year, or even 300,000 taels may not be able to stop the ......"

"Then Qin Lang is still so confident?"

Yan Yunniang lowered her eyebrows and asked with a light smile.

At this time, Zheng Zhilong also understood that the two couples asked and answered, as if singing a double reed, the purpose was to relieve his doubts.

can be understood, Zheng Zhilong is still very curious, what is the door and door here?

Qin Hao nodded at Zheng Zhilong and said confidently: "The cost is indeed very high, but don't ignore it, how much money can we make in this?"

If we have 10,000,000 taels of silver or more, won't we let them out? How does the usury of Daming calculate interest now?

The monthly interest rate is three cents, or the monthly interest is five cents, and it is also the interest of the donkey rolling.

Daming Bank will not be so dark, the loan released will have a monthly interest rate of one cent, and the annual interest rate is very favorable, and the interest calculation method of donkey rolling will be cancelled.

It is conceivable that once we launch this policy, the entire merchants of Daming will run to Daming Bank to take loans. Even if we lend out a loan of 5 million taels, we will have 500,000 taels of interest in a year. ”

"But, Governor Qin, you have to find out, are there really so many people who come to borrow money? Who's okay to borrow and play? That's going to pay interest! ”

Zheng Zhilong came back to his senses and continued to ask.

"Zheng Zongbing, you won't be unclear, businessmen can't afford to be profitable!

Compared with the profit of one cent a month, when they do business, it is all one percent, two percent, or even forty percent or fifty percent of the profit, such a little risk, such a big benefit?

If you were in business, wouldn't you take a chance? This is too profitable compared to the risk! Therefore, they will never let go of this good opportunity.

Don't you need money to run tea? Do you need money to deal in silk? Do you need money to deal in porcelain? Do you need money to run a grain business? All industries need capital.

You see, the Governor concluded that after the opening of the Daming Bank, the people who asked for loans would break through the threshold of the bank and rush to it.

And we only need to approve their qualifications to see if they meet the conditions, and then decide whether to lend or not? ”

How can a bank lose money? The game of the white wolf with empty gloves, and the forty percent minting fee of one in and one out.

It's just that at the beginning of the matter, it hasn't reached that point yet, so there's no need to say more. Of course, Qin Haoming also deliberately concealed it in his heart and did not let Zheng Zhilong know.

After all, it is really difficult to say whether it is friend or foe in the future.

"Okay, Qin Du, the last general is not a person who likes to take advantage, everything is your point and idea. The Zheng family invested five million taels of silver, as long as they occupied three percent of the shares!

However, there must be people from the Zheng family in the account room. ”

Having said this, Zheng Zhilong made a decision and made a request in an instant.

Doing business is looking at the long term, and he now fully believes that Qin Haoming is a cash cow.

As long as two people get along well, how much silver can't be earned in the future? Even if it is to give Qin Haoming some dry shares, it is completely worth it!

"Deal! You can have as many people as you want in the account room, and the governor does business, pays attention to the rules, and has always had open and clear accounts.

Moreover, in the first instance every year, both parties at the same time appoint a master to intervene in the actual account. To tell the truth, Ben Du is also afraid that the people below will do tricks and deceive the subordinates! ”

When the matter was negotiated, Qin Haoming laughed, and he was infinitely relieved.

Daming Bank is too important to him, and it is a key part of the rapid rise plan.

Money is needed to build a water army, prepare various factories and mines, and businesses, recruit troops, build weapons, etc. Without money, nothing can be done.

Although there is still a way to fight local tyrants, after all, there will be an end to the backwater, and there will be laws in the future, which is far inferior to the strength of the general public.

Moreover, there are two layers of intentions he has not said about opening a bank.

To tell the truth, the interest rate of Daming Bank is so low, the benefits are all obtained by businessmen, and they all earn money, so what about after earning money?

Naturally, they have to pay taxes, and who will benefit in the end?

The Governor's Yamen must be one of them!

There is also the restriction of unscrupulous businessmen in the Ming Dynasty, support the families of themselves and even the Dingnan Army, let them become bigger and stronger, and replace profiteers!

Seven days later, Li Jingzhen personally rushed to Fuzhou from Wuhu, in addition to replacing the "tax" with 2 million according to Qin Haoming's intentions, and took the initiative to ask for a capital contribution of 5 million to become a shareholder of Daming Bank.

The final result was that Qin Haoming did his best to raise 20 million shares for Daming Bank, ready to go, and waited for the opening after the year.

And waiting for the money in Fujian and Guangdong provinces and even other provinces, in Qin Haoming's words:

It won't take a year or two for them to all be beaten! Either close Zhang Daji, or be swallowed up by Daming Bank, this is their only fate!

On the twenty-eighth day of the lunar month, put the face on the hair.

As Zhang Yun returned to Fuzhou with a large army and some of the grain looted from Guangzhou, the Governor's Palace finally began to seal in preparation for the annual Spring Festival.

"Today, everyone is basically gathered and the fire is burned! Don't get drunk today! ”

In the school cafeteria of the Governor's Palace, Yu Youhan, who had just returned from Linpu, shouted loudly.

"Yes, yes, yes...... Today, there is fresh saury, with few bones and tight meat, which is suitable for sake. ”

Everyone reunited after a long absence, and even Dong Changqing, who had always been indifferent, shouted loudly.

"Governor Qin, it's a holiday, will you get drunk with us today?"

From a distance, Li Xiang saw Qin Haoming coming over, and said with a salivating face.

"Together! Together! Together! ”

Zhang Yun hadn't seen his brother for too long, and he was afraid to shout at this time.

"Together! Together! Together! ”

Everyone in the cafeteria waved their arms and shouted.

Qin Haoming, who walked in, saw that there were both old and new faces in the canteen. There are military generals and literati, which can be described as a full gathering.

"Let's be together, whoever is afraid of whom, let go of the drink today!"

Qin Haoming waved his hand and said boldly.

So Qin Haoming was soon besieged by everyone, and even Haozi, who was close to him, smiled evilly and saluted him with half a bowl of wine.

"Who dares to come again?"

Qin Haoming threw the bowl away, and looked around with some reddish eyes.

Everyone was suffocated, and then there were generals who had drunk too much and were ready to step forward regardless of it.

Haozi shook his head slightly at everyone, Qin Du has good wine, but the amount of wine is not good, and the wine is average, so it is best to stop in moderation.

Qin Haoming didn't see Haozi's movements beside him, and laughed proudly: "Hahaha!" Is it true that Bento's alcohol consumption is truly invincible in the world? ”

Hahaha......

The cafeteria couldn't help laughing anymore and laughed loudly.