In the final analysis, the volume of trade is determined by productivity, according to the productivity before the Ming Dynasty, 20 million taels of silver is the upper limit of his annual trade volume, even if he grasps it all, what is the meaning?

When Xiaotian was in junior high school, he knew that industry was the cornerstone of economic development, and the demand for raw materials was the driving force for colonial expansion. Therefore, in fact, what Xiaotian has done in the past two years boils down to one thing: the transformation from a trading group to www.biquge.info an industrial group.

In the past two years, Xia Ke Island and the surrounding areas have sprung up like mushrooms of large and small workshops, some of which he funded and built, and some of which he deliberately guided, and invested a lot of money and hard work in Xiaotian.

Although Li Yan, a loser, has missed a lot of opportunities, but it is not a big deal, whether it is Xiaotian's industry or not, it is more or less influenced and controlled by Xiaotian, not to mention glass, rubber, whale oil, these things are completely controlled by Xiaotian, even if it is other industries, he is also a pinch of raw materials and the market, and no one dares not listen to him.

In addition to raw silk and cotton, all the workshops that emerged this time imported raw materials from Luzon and Nanyang, that is to say, except for the silk workshops, cotton yarn workshops, and weaving workshops on the shore, all the industries of the Ming Dynasty were controlled by him alone.

However, even so, Xiaotian was still taken aback by these new workshops, and after careful inquiry, he learned that there are thirty percent of the big households, forty percent of the noble clansmen, and thirty percent of the private capital, and there is no need to be afraid of whether you are a court nobleman on the sea, so this wave of private capital is developing the fastest.

I heard that there are still few workshops built on this island, Songjiang, Suzhou/Zhou, Hangzhou/Zhou, where the land is cheaper, the power is better, the labor force is more abundant, and the traffic conditions are not much worse than here, so there are more new workshops, I heard that there are more than 200 new cotton cloth workshops in Songjiang alone.

Many things are just the beginning, and the great inertia inherent in things will propel him to develop on his own.

Xiao Tian knew very well that what he had done raised a giant beast called 'Capital'.

When this giant beast is still young, it may still need to be carefully raised by Xiao Tian, but as he grows up little by little, he doesn't have to worry about it, and he himself will eat the real feudal flesh and blood to grow himself.

Sooner or later, even Xiao Tian, the person who created him single-handedly, will not be able to control him, this is a glutton, never fed. Even if you can't get it right, even Xiao Tian, the person who single-handedly created him, will be devoured by him.

However, it will have to be decades later, now Xiaotian can't take care of it so much, he has to continue to work hard to develop himself, Li Yan, a loser, has saved so much silver, he must spend it quickly, otherwise, not only his own loss, but even Daming's silver root will be tightened.

However, where to spend such a large amount of money is a problem, it is not easy to make money, it is even more difficult to spend money, even if it is handed over to the imperial court, I am afraid that there will still be a mountain of gold left, he does not have such a big project to build for a while, and he has also decided to let those businesses with low technical thresholds and thin profits and concentrate on his tall industry, it is impossible to blossom in all directions, and he does not have so many people to manage.

Wandered to the silver vault and looked at the silver mountains in front of him, not to mention Qi Jiguang, even Xiaotian, the owner, was shocked.

Before this, Xiao Tian had never saved silver, although he earned fast, but he spent faster, so this was actually the first time Xiao Tian saw the real silver mountain, and he was also shocked by this spectacular scene.

However, Xiao Tian quickly recovered from the shock, after all, silver is not beautiful when piled together.

Looking at this silver mountain, Xiaotian only pinched his teeth, this thing is a number on the ledger, but when you really see the real thing, it is completely two concepts. Not to mention anything else, with so much silver, it would take more than 10,000 people to carry it.

Wait, handling? , what can you do with so much silver, wife, you are really a genius. You've done the right thing to save all this money.

Thinking of this, Xiao Tian didn't care whether Qi Jiguang was still watching or not, he couldn't help but kiss Li Yan, picked her up and turned around three times before putting it down, and laughed loudly: "Hahaha!" With so much money, the master can open a bank. ”

That's right, opening a bank, is there anything more expensive, more profitable, and more able to drive economic development?

The economy of the Ming Dynasty itself has developed to a certain scale. On the west side of the mountain, the prototype of a bank has already appeared: a money bank. Even this money village has developed to a certain extent, and there are his semicolons in the capital and Jiangsu*Zhejiang regions.

Silver, although it is a precious metal, but after all, the overall value is not too high, the Ming Dynasty has always been the silver standard currency, and it is not easy to settle accounts with gold many times.

For transactions of more than 100 taels of silver, it is already very difficult to achieve both money and goods. For a business of more than 1,000 taels of silver, it is almost impossible to see the cash.

Think about it, if Xiao Tian wants to do a business of 100,000 taels of silver and transport it from the capital to Songjiang, the silver alone will weigh more than 6,000 catties, so many people will have to transport so much silver? How many escorts do you want to make?

The appearance of the money village solves these problems, he can deposit the silver directly into the money village in the capital, and wait back to Hangzhou * Zhou, and take out the silver from the money village in Hangzhou * Zhou, although it is necessary to give the money a handling fee, but it not only saves the cost, but also reduces manpower, and saves a lot of trouble, the money is still worth the money.

However, for Xiaotian, the money village is still too low, not only the profit model is single, but also after all, it is just a small fight, at this time it is more of a Jin merchant facing the west of Shandong, we are a good socialist young man in the 21st century, it is a shame to play this thing, and if you want to play, you can play a little foreign.

The main function of the bank, after all, is to save all kinds of troubles in the transportation of silver and silver, far from being a financial institution, of course Xiaotian is not satisfied with this, he wants to open a real bank.

If you want to build a real bank, the core is credit. Credit, on the other hand, is a large amount of reserves. On weekdays, if you want Xiaotian to take out a few silver mountains, I'm afraid it will be difficult for him to die, but now, Li Yan, a loser, has saved up the money for him.

Even, an ordinary commercial bank is not enough to support Xiaotian's ambitions, he wants to be a central bank, Xiaotian's goal is to completely control the economy at sea and issue currency.

Rothschild said: as long as I am in control of a country's currency, I don't care who makes the laws. Although this sentence is a bit arrogant, it is essentially true. If Xiao Tian controls the issuance of currency one day, he will definitely be able to walk sideways in the imperial court.

It may be a little difficult to issue it to the entire Ming Dynasty, but if it is issued to the sea, Xiaotian believes that with his own power, name, and so many reserves, there is still no big problem.

As for the guilt? The imperial court takes over? Xiaotian is really not worried. To be honest, what Xiaotian wants to do at sea, the court really can't control. As for whether to give face to the court in the future, let's talk about it then, with such a card, the emperor will not dare to play hooligan with him. (To be continued.) )