One hundred and fifty-seven planning the bank

"Thank you Tiju for teaching us to grow cotton. Next year we're going to grow more cotton. Cui Wangxi saluted Li Buqi again and asked tentatively: "It's just that I heard that Chunzejian's cotton has not been sold at all, but I don't know why?" ”

Li Buqi smiled and said: "Your news is well-informed. I won't hide it from you, I'm going to weave cloth with these cotton threads. Cotton cloth is better than linen and silk to keep warm, and when the technology of weaving cotton cloth is perfected, cotton cloth will gradually replace silk and linen as the clothing of the people in the future. It's a big deal. ”

Cui Wangxi rolled his eyes a few times and said, "Could it be that the lifting is to control cotton planting?" So that if the people want to weave, they have to buy our cotton? ”

Li Buqi waved his hand: "Where do you want to go, planting cotton is like raising silkworms and planting hemp, how can you control it?" What I'm going to do is open a couple of cotton weaving workshops. In the future, these workshops will weave more than ten times as fast as the people weave their own cloth, so the cloth produced will be very cheap. Because it is cheap, even the poor can wear cotton. Can you imagine how big the sales of cotton will be in the future? ”

Cui Wangxi was a shrewd cloth merchant, and he naturally understood what the prospects would be if the workshop could weave more than ten times as fast as it does today.

How do businessmen compete for the most efficient market? It's just that we can provide cheaper products. If the price of cotton cloth was really that low, Li Buqi's workshop would monopolize the entire cloth market in the Great Song Dynasty, and even the market for linen and silk would be severely impacted. If you can't participate in Li Buqi's workshop now, once this kind of workshop really runs as Li Buqi predicted, the cloth merchants of the Great Song Dynasty will be wiped out.

As for Li Buqi's statement that the poor can also wear cotton cloth, in Cui Wangxi's view, Li Buqi set up a memorial arch for himself. No matter how cheap the goods are, the poor who can't afford them still can't afford them.

When Luo Yingniang was still moved by the sentence "Even poor people can wear cotton cloth", Cui Wangxi had already made up her mind. He knew that Li Buqi didn't like to go around the bend, so he hurriedly asked directly: "Li Tiju, this deal is too big." I wonder if the lifting can give me the next opportunity to participate in the next one? ”

Li Buqi said: "This matter is not something that one or two people can handle, it is originally a matter for everyone to get rich." It's just that now there are royal and several nobles involved, and you can't see it at all when you invest money like this. ”

Cui Wangxi knew that what Li Buqi said was the truth, the royal family and several top nobles plucked a hair casually, which was thicker than the thighs of an ordinary businessman like him, he just invested his entire family business into it, and it was nothing to others, how could people allow you to get a piece of the pie? He heard that Li Buqi taught them to grow cotton by borrowing the emperor's banner of "benevolent government".

But Cui Wangxi felt that since Li Buqi told him about cotton cloth, there should be a drama, and it was very likely that Li Buqi should have a way. So he personally poured a bowl of wine for Li Buqi: "Is there a way to lift it?" ”

Li Buqi thought for a while and said, "Actually, there is a way. It's a merger. If you can combine the capital of dozens or hundreds of people, then you should not be underestimated. ”

Cui Wangxi was a little embarrassed when he heard this idea: "It is common for one or two companies to buy and sell shares, but it is difficult if there are dozens or hundreds of companies joining forces, and no one has ever done this." ”

Li Buqi smiled: "Recently, I have thought of a way, which is to run a money bank." Saying that, Li Buqi glanced at Cui Wangxi's two companions with his eyes.

Cui Wangxi hurriedly let the two go out, and then asked, "Qian Zhuang?" What is it? ”

Li Buqi said: "Qianzhuang is a store that specializes in money business. What if someone has spare money at home but can't find a way to make it? It can be deposited in the bank, and the bank can be used for investment, which is similar to lending. From the income from the investment, it is distributed to the person who saves the money. ”

"For example, what if someone wants to bring 10,000 copper coins to the Daimyo's Mansion and can't transport them? If a money bank has shops in Bianliang and the Daimyo's Mansion, this person can deposit 10,000 guan into the money bank in Bianliang to get a voucher, and then take the voucher to the Daimyo's Mansion. The shop on the side of the Daimyo's Mansion can raise 10,000 guan to pay him locally, or it can be transported from Bianliang to 10,000 guan to pay. It's just that there's a fee to be charged. ”

"Of course, this doesn't make much money. But this person has to walk from Bianliang to the Daimyo's Mansion for a few days, and in these few days, the money village has an extra 10,000 yuan, and if it is used for investment, it will be another income. ”

Cui Wangxi smacked his tongue at first, then shook his head and said, "The risk of lending is too great." If the person who deposited the money over there has already withdrawn the money, but the loan here has not been recovered, wouldn't it be impossible to turn around? So what should I do? ”

Li Buqi said: "Lending at will is indeed risky. However, if you have a workshop or something you can invest in, the probability of losing your account is very small. If there are many people's money deposited in the bank at the same time, there will always be a sum of money to use, and it will not be overturned. ”

Seeing Cui Wangxi bow his head and think, Li Buqi said, "I'll only tell you one about this." If you think it's possible, come to me. If you don't think it's feasible, just because I didn't say it. But don't tell anyone about it. ”

Cui Wang was happy to see that Li Buqi was not in a hurry, so he replied immediately, and hurriedly agreed. Now that the business is over, he called the head card of the mother who asked for "Four Seasons Spring" just now to come out and serve.

Luo Yingniang remembered what others said about the filth in the Qinglou and almost fled, but the first time he entered the Qinglou, he was inevitably a little curious and did not move, but he soon found that he was thinking too much. Although several enchanting women did sit beside Li Buqi and the Roshan, they only poured wine, cloth, vegetables, played the piano and sang. Although Li Buqi's eyes are not very honest, he just drinks and listens to music, and he really doesn't do anything.

"It turns out that Qinglou is like this. In the past, my father said that Qinglou was so unbearable because he lied to his children, right? Luo Yingniang then made up for it by herself.

Coming out of the "Four Seasons Spring", Luo Yingniang asked: "Will the really poor be able to afford cotton cloth in the future?" ”

Li Buqi nodded: "Of course, that's of course." ”

This Li does not give up and dares to guarantee, but it is difficult to say when it will be realized. But obviously Luo Yingniang didn't expect this, her eyes were full of little stars, and her eyes were much gentler when she saw Li Buqi, but Li Buqi didn't look back and didn't find it.

The power of the nobles is too strong, and their capital is difficult to control, so Li Buqi has always wanted to grasp a share of capital that comes entirely from pure merchants. In the Great Song Dynasty, pure businessmen did not have political status and were easier to control, and Li Buqi could invest his money in the direction he wanted.

In the past, Li Buqi was worried that he might be harassed by officials from all walks of life without relying on the power of the nobles, but today he suddenly found that he was also the master who everyone feared, and I am afraid that no one would dare to make trouble casually. The biggest obstacle to implementing one's own plans has been cleared and one can get his hands dirty to build his own financial empire.

Now that the rumors of opening a money bank have been released to Cui Wangxi, Li Buqi will start to contact businessmen who may become shareholders in the future.

In the Great Song Dynasty, pure merchants were vulnerable due to their lack of political status, and many commercial areas were inaccessible. Therefore, they have money, but lack a channel for investment, and now Li Buqi has given them a channel, and with Li Buqi's good reputation as a guarantee, it is not a problem to raise more than 100,000 yuan. Of course, before the IPO is completed, some preliminary work must also begin.