Zhang Han said modestly at this time: "I am my father and ancestor Yu Yin, and I have a lot of foundation when I come up, if I build a family from scratch, I really don't know where it is now." ”

"Put it away." Li Shenming said: "You didn't ask us to come and see you kill people and say these useless words. ”

"Hmm." Zhang Han said solemnly: "I have already decided not to fight a price war with the Fan family, so that it can only be a loss for both families, and in the end, it will be a profit for the north." If I want to recover my losses, I have to fight across the Fan family, and then slowly raise the price to recover the losses. ”

Li Shenming and Sun Jingting both showed contemplative expressions, what Zhang Han said was very reasonable, it is a double-edged sword to fight each other at a lower price, even if the fight is won, the result is unsatisfactory.

has been dumping at a low price, even if it is a fight across the Fan family, how easy is it to raise prices?

"And what are your plans?"

Li Shenming had been convinced, and he asked Zhang Hanlai rhetorically.

"It's very simple," Zhang Han said: "He sells, I buy." ”

"Huh?"

At this moment, the two people in front of them both looked confused.

"I asked the silver ingots to buy, Zhang Ziming also bought, and then sent Mo Zongtong to the grassland to buy, I bought as much as the Fan family could. Of course, Beiyu also buys it, but my people also buy a lot of it, and I will buy as much stock as Fan Yongdou has, and in addition, in Datong and all of Shanxi, I will increase my efforts to buy grain and groceries to raise prices. Zhang Han sneered and said coldly: "I want to see how much the Fan family has, and they can live like this." ”

Sun Jingting and Li Shenming were still puzzled, and Zhang Han explained: "The advantage of this is that I am not alone in the ring with Fan Yongdou, I have Beiyu to help me buy and speculate on high prices, and there are also merchants here who see the wind and come to speculate with me, which is profitable for everyone." In this way, in the short term, Fan Yongdou will have to increase the selling price, otherwise he will not be able to withstand it. As soon as his reserve price is mentioned, there will be no price advantage for us, and I will slowly reduce the price and ship, lose him to death, squeeze him to death! ”

Sun Jingting was still pondering, Li Shenming had already high-fived, and praised: "Wonderful, wonderful, such a wonderful idea, I really don't know how you came up with it, Wenlan." ”

Zhang Han smiled but did not speak.

Sun Jingting also figured it out at this time, and said with a smile: "While buying goods, do we want to reduce shipments, so that the profits are greater?" ”

"Yes." Zhang Han said: "In the short term, even if he sells, I won't sell." When he can't stand it, the reserve price of my inventory is much cheaper than his, and if he sells it at that time, he will lose even more. ”

"The important thing is to prepare a lot of cash." Li Shenming warned: "Wenlan, where are you going to prepare so much silver?" ”

"There's a way, too." Zhang Han said: "The account bureau can deposit the silver on behalf of the account and give interest, and the longer the deposit, the higher the interest." Merchants do business, and some people use silver for silver, and if they save it here, they will take it there. Some are also prepared in advance, it may take a few months to use silver, deposit bureau, convenient to use, but also profitable, with my and Yusheng's confidence and strength, plus such a long reputation, it is logical to absorb a large number of silver two. ”

The financial system of the Ming Dynasty is actually a pawnshop and a money bank, a silver number to compose, a money bank and a silver number is actually to provide the whole silver for change, money for copper money services, there are also collapsed shops to provide hoarding and storage of goods services, pawn shops are to provide mortgage loans, these businesses are profiteering, in the hands of the pro-vassal lords and scholars, ordinary backs, people can not get involved in these industries at all, it is easy to be eaten by big fish eating small fish.

Zhang Han's back and scenery strength is enough, the account room has originally absorbed a lot of cash, but the current storage cycle is very short, if Zhang Han's current method is done, it is very likely to succeed.

Li Shenming clapped his hands and said, "It's done." If the account can attract a large amount of deposits, we will win and not lose. ”

Sun Jingting said: "Then I will rush back to Lingqiu, Wenlan has built a meeting over there, the participants are all big merchants in Lingqiu, they also have to turn around to buy and sell, the silver is stored at home or placed elsewhere It is better to put it in Heyusheng, at least we Dongshan will buy coal and other items of silver, you can save it two or three months early, you can earn interest, everyone will not object." ”

Zhang Han nodded and said: "Let's go hard for filial piety, and Brother Zunlu will go to Taiyuan and other places to help me let out some rumors, I myself have a lot of things recently, even Tianchengwei is not as empty as possible, and the chamber of commerce over there also has big businesses in various places, and there are people everywhere who take the lead, and things are much easier." ”

In front of them, both of them agreed, Zhang Han was a little relieved, the account bureau absorbed cash in this way, provided certificates of deposit and interest, the role is close to the later Shanxi ticket number and money bank, and the modern banking industry is of course far behind, but it is also a good start.

This thing is done, not only is it a question of winning or losing the fight with Fan Yongdou, it means that Zhang Han can smoothly absorb the private financial resources of several surrounding provinces, which is much more ruthless than the Ming court.

The important thing is the image and strength of Yusheng, the stronger the strength, the better the image, and the more silver taels are absorbed.

In fact, there are not too many security guarantees for people in these years, there are bandits before, there are thieves in the future, and even worse is the government and big households, the silver has to be collected under the cellar to be a little relieved, and later the rich merchants in Shanxi even melted the silver into large pieces, and the bandits can't move it when they come.

This is a stupid method, but no matter how smart people were at that time, they couldn't think of a good way, not that everyone didn't want to engage in banks, in fact, China's financial industry has also been developing, and people are also smart, the key is that there is no tradition and rules to protect businessmen under the official standard, and there is no strong businessman who can tell everyone to rest assured that they can save money.

If Zhang Han can do it, this is a big thing that sets a precedent in history.

……

In autumn, it finally began to rain lightly.

The rain fell on the ground, and the dry land gradually soaked some, but after a long drought, a little light rain was not worth much, and the ground was still very dry in many places, and the rain only wet the surface of the land.

"This year's annual success is still not good." Li Xiangfu and Li Dongxue stood beside Zhang Han, the two of them held umbrellas in their hands, Li Xiangfu said first, and then said: "It's good to repair the waterwheel!" ”

Zhang Han didn't have an umbrella, he wore the archers' standard oil coats, which were made in many nearby Acropolis and Datong Mansion City, and the leather was soaked in oil with a special technique, and the rain could not penetrate it.

Everyone continued to walk along the river, recently there have been a few light rains, and it is the season of rising water, the small river in front of them is like a jade belt, meandering down from the upstream, there is a lot of grass by the river, the water and grass in the river grow very high, and they keep shaking under the blowing of the breeze, the sky is relatively stuffy, the river and the grass roots come from time to time There is a fluttering sound, and everyone can see that there are fish jumping out of the water and falling down heavily.

Li Xiangfu said with a smile: "Today, I saw that the quartermaster brought a lot of people to the fish pond, and it is estimated that the archers will eat fish at noon, why don't we also send someone to catch a little?" ”

Li Dongxue shook his head and said: "The fish is not too fat now, let's talk about it at the end of the year." ”

Li Xiangfu said, "It's okay." ”

The large-scale projects of the farm and the barracks have almost ended, Li Xiangfu and others according to Zhang Han's instructions, left some manpower, divided into several groups, there are craftsmen and do odd jobs, such as the water truck there are still more than 100 people left, for Chang Jin to have a hand, the other is the breeding group, road repair and maintenance, etc., these manpower are led by Li Xiangfu and Li Dongxue and others, Sun Jingting has been very interested in miscellaneous studies recently, reading agricultural books every day, tossing in the farmland, Zhang Han asked people to find some literate teenagers to follow Sun Jingting, There are also some people, and dozens of acres of land have been divided for them to toss.

In fact, Zhang Han most wants to have a ready-made expert like Kong Minxing to help, Kong Minxing and Xu Guangqi have been building large farms in Tianjin, experimenting with many good breeds, and the experience is ready-made.

There are also three or four hundred people in total, in addition to farm affairs to ensure the logistics of archers, but they are not a system with Wang Debang and others, Wang Debang and others are considered to be people in the same system as archers, and the monthly salary and welfare are the same, ordinary rural craftsmen are not qualified to go to Wang Debang's few fields at all, and they have to be very high-level to barely be qualified to be apprentices. Zhang Han is a standard Xianjun system here, the best things are related to archers, and civil affairs can only be subordinated to the second, including the fish in the fish pond, before the pond is cleared in winter, only the archers are eligible to enjoy it.

Everyone walked along the ditch, the fields are planted with millet, this crop is planted after the wheat harvest, planted in the ground in May and June, harvested around the Mid-Autumn Festival, the average yield per mu is less than two stones.

The yield of this thing is not high, and there is hardly much room for improvement, and the taste is not good, the advantage is that it is a drought-tolerant crop, and it can also adapt to barren land, which makes millet grown in large quantities in northern Shanxi and northern Shaanxi, because these places have barren land, arid climate, and soil erosion is very serious.

In addition, like ordinary crops, straw can be used to feed livestock.

A large area of millet has entered the maturity period, Li Xiangfu said: "In a few days, the sickle can be harvested, and it is estimated that some families have already started it." ”

As he spoke, he nodded with his finger and said, "The second brother in charge of the village over there is already harvesting." ”

There were five or six people bending over the harvest in the plot not far away, and when Zhang Han and the others approached, these people stood up from the field, bowed to Zhang Han, and then lowered their heads to harvest.

Zhang Han didn't care, he had been in Lizhuang for a long time, and he knew that most of the peasants in this era were like this, their faces were very indifferent, there were not too many rich expressions, they rarely went out, they received very little information, and even the primary school students of later generations were afraid that it was not as good as saying something ugly, for these people, what they ate in their mouths and what they wore on their bodies was the most important, and nothing else mattered.

If it weren't for Zhang Han being the landlord of Li Zhuang and the inspector, I'm afraid these people wouldn't even have the interest to bow-

The situation with the red ticket this week is really good and touching, thank you all and hope to continue to support it next week.