The little eunuchs and palace maids immediately rushed in and put the wine and food on the table, of course, Chongzhen and Lu Hanqiang had a table, and they also specially put a table for Wang Chengen and Cao Huachun, and the four of them continued to side. lā天籁『.『 ⒉

"This non-local exchange is fresh, and it can indeed make money, and our bank has so much money, why not just do business? Wouldn't that be earned? ”

Lu Hanqiang explained with a smile: "Risk. Then give an example, "I remember that Taixi had a guy named Hu Xueyan, who did this bank, but he was not actually a bank in the real sense, and his net worth was 60 million taels at that time, and he took the bank and his own silver to hoard silk, and the result was a failure, this is the risk, and our bank is facing the whole society, under a controllable situation, the risk will be shared equally, that is, if the factory goes bankrupt and the loan cannot be repaid, we will use the collateral to repay our principal and interest. But this factory will not occupy more than 1/10,000 of our loan amount, which is to spread the risk evenly, so according to normal speaking, the bank is a business that does not make money. ”

Chongzhen nodded, as a grassroots background, his ability to accept new things is still good.

"And we need silver, can a sea trade concession be exchanged for five million silver?" He didn't understand this a little, otherwise he wouldn't have been fooled by the Donglins, so he gave up the sea trade and would rather hold the golden rice bowl, and finally died due to financial collapse.

Lu Hanqiang picked up the wine glass and said, "Long live, what is the raw material of this wine glass?" ”

Chongzhen replied inexplicably: "It's not a handful of dirt yet." ”

Lu Hanqiang nodded, "That's right, add ten points, but do you know how much this wine glass made of clay can be sold for when it is trafficked overseas?" ”

"It's not a tael of silver." This wine glass is a high-end product, half a tael of silver, Chongzhen is a thrifty person, and at the same time lived in the palace for two years, how much he understands the price, and he has not been fooled by his subordinates, if he is not like Guangxu, he said to his teacher Weng Tongyi, "This egg is a good thing, ten taels of silver, can the teacher usually eat it?" As a result, people like Weng Tonggong have to meet the requirements of "the minister is at home, and he only eats one during the New Year's holidays." ”。

Lu Hanqiang shook his head, he didn't say that this wine glass was worth one hundred and eighty yuan, or only a dozen yuan, he didn't need to offend Wang Chengen, who was already very kind, "In fact, if this wine glass is shipped overseas, it will be at least ten taels of silver." ”

"Such a big difference? A wine glass is transported to Tessie, and you can earn an extra nine taels out of thin air? "As long as money is mentioned, Chongzhen is either frightened, or his eyes are blood-red, this is a disease.

"And a piece of purple silk transported to the country of Taixi can be exchanged for almost the equivalent of gold, do you think this sea trade is profitable?"

Chongzhen looked at Lu Hanqiang dumbfounded, thinking that he was talking nonsense, but how did he look at it, slowly, Chongzhen's face became gloomy, and then angrily slammed the wine glass on the table, "A group of rotten Confucians, misleading the country and the people." ”

Lu Hanqiang smiled quietly, in fact, if you want to change something, you don't necessarily have to make the chickens and dogs jump, make people's heads hit the dog's heads, sometimes, at the most appropriate time, throw out the most appropriate examples, persuade the most appropriate people, everything will get twice the result with half the effort.

Chongzhen is short of money, and he is short of the country, and let Chongzhen know that there is a huge amount of money in his hand that is being concealed, what is the effect? Of course, you can imagine it.

"Five million loans, with interest, do not need to be according to the market double the usury, just according to the annual interest rate of one layer, that is, five and a half million silver, and as long as you mortgage the sea trade concession to the bank, you don't have to pay back the money at all, not only do you not have to pay back, but also drive countless people to have food, money, and a certain tax burden, ah, by the way, the Donglin boss does not allow us to collect taxes, then make a name, call it a donation, you see, in this way, you not only have a year and a half of additional income from the treasury, And it also allowed hundreds of people to make a living, and the people had a livelihood, and they were willing to donate, so why rebel? Is it because you are full? ”

"Donglin is hateful." Chongzhen slammed his fist on the arm of the chair again.

At this time, Cao Huachun stood up and reminded Lu Hanqiang, "Companion reading, you just said that the bank is not run by yourself, if so, then aren't you going back on your word?" ”

Lu Hanqiang respects Cao Huachun from the heart, he is a capable and conscientious person in the last days of the Ming Dynasty, and later generations Donglin slandered him, a guy who retired in his hometown in Zhejiang, and opened the door of Beijing through time and space, which Lu Hanqiang knows best.

Especially this good old man, after accepting Lu Hanqiang's confiscation of the land of corrupt officials, resolutely blocked Chongzhen and Wang Chengen, who wanted money and wanted to go crazy, according to Lu Hanqiang's meaning, one acre of land will collect a layer of rent, and accumulate Baixin people's power, which can be described as countless living people, and now, because of the last Gyeonggi War, let Huang Taiji kill countless landlords Haoqiang, and obtained a large number of "ownerless" land. It is rare that the landlord has pressed the rent to half, and in this way, the people have finally breathed a sigh of relief. Now, in the city of Beijing, the original situation of homeless beggars and begging everywhere has been greatly improved, this is Cao Huachun's merits, and this is what makes Lu Hanqiang respect Cao Huachun.

So he raised his glass to Cao Huachun and said, "I am not personally running, I am preparing to sell this righteous and bright franchise in shares, as long as it is enough for the principal and interest of the bank, in this Ming Dynasty, the sea trade is controlled by those Jiangnan clans, which is not beneficial to our country, which has long made countless people red, therefore, I will open this out, I think, the matter of snatching the hat will be born." ”

Cao Huachun, who had been in Nanjing for many years, knew about this and nodded in agreement.

"And." Lu Hanqiang turned his gaze to Chongzhen again, "And long live, you can also follow this method and mortgage again next year, until the earth is desolate." ’

Chongzhen's eyes are bright, if he really follows what Lu Hanqiang said, with a sea trade concession that has not contributed a penny to himself, he can exchange for five million silver a year, then his life will not be much more nourished? Then why do you still increase taxes with infamy? Don't you have anything to do with scolding?

"Hooray, and, according to this method, you can also mortgage the right to sell salt, just three million, so that those smuggling salt can be sold in a bright and bright manner, not only to eliminate many hidden dangers of turmoil, but also to make the price of salt fall, so that the people can save at least a few hundred yuan a year to supplement their families."