Shen Yuan's family is very satisfied with Yan Ruyue, a prospective daughter-in-law. Not only because of her beauty, but also because of her virtuous ability.

For Shen Yuan, who is from an ordinary family, her criteria for choosing a daughter-in-law have nothing to do with beauty, the most important thing is to be able to run a family. On the night when Shen Yun left Bohai Mansion, Yan Ruyue personally went to the kitchen and made a large table of delicious meals for her future mother-in-law, and since then, Shen Yuan has been full of praise for Yan Ruyue.

And Yan Ruyue surprised her with far more than that. The next day, when Shen Silan came to the courtyard to discuss with Shen Yuan's about the dispatch of merchant ships, Yan Ruyue's conversation and thinking simply shocked and admired both Shen Yuan and Shen Silan.

At that time, Yan Ruyue had just served Shen Yuan's freshly cooked lotus seed porridge, and was sitting next to Shen Yuan's side gossiping, talking nothing more than some interesting things about Shen Yun at school, and Shen Yuan's also made fun of Shen Yun's childhood nonsense. Yan Ruyue listened very seriously, and Shen Yuan's words were also happy.

As for Zhou Hui, since Shen Yun left, she rarely left the door. It's not that she doesn't want to come to accompany Shen Yuan's gossip, but her identity as a princess has been exposed, every time she comes to Shen Yuan's family and those Shen family members have to salute her, and the eldest lady of the main house often invites her to come over to talk about it, which makes her annoyed. In order to avoid unnecessary trouble, she simply hid in the room when she was fine.

The fact that Yan Ruyue is the daughter of the richest man in the empire has not yet been exposed, and Shen Yuan occasionally asks where her family lives and who else in the family are relatively obscure topics. Yan Ruyue said that she was from Qingzhou Mansion, her parents were still alive, and she had a younger sister and a younger brother.

She didn't mention the name of her father Yan Zhun, and it was even more difficult for Shen Yuan to guess her identity. I just thought that she was a child of an ordinary family like herself, but she felt more kind in her heart.

When they were laughing with each other, Shen Silan hurriedly came and spread out a large pile of account books in front of Shen Yuan's family, and said hurriedly without caring about saluting Yan Ruyue: "Sister-in-law, this business can't be done." Lord Taishou wants to requisition 90% of our Shen family's merchant ships to transport troops, but not a single ship to the main house, isn't this a clear bully of our orphans and widows? You have to help me get the idea, otherwise I won't be able to take this house! ”

As he spoke, he sat on one side with a puff of air, looking extremely depressed.

Yan Ruyue hurriedly went to remake a bowl of fresh lotus seed porridge and handed it to Shen Silan, seeing Shen Yuan's helpless expression, she smiled and said: "Madame, don't worry, it is also common sense for merchants to serve the country in wartime, since the reform of the Holy Ancestor, the empire has often requisitioned merchants' merchant ships or horse teams during wartime for military rations or army transportation. However, this is not free, and the amount of requisition is evidenced by the certificate issued by the government, and then you can go to the government office to reimburse the expenses according to the current price. ”

Shen Yuan's and Shen Silan's eyes were both bright.

Shen Yuan's family didn't understand this, and he was stunned for a moment when he heard this: "Ah, what else is there to do?" I thought that doing things for the official family was free, and I was worried about my little sister...... Hehe, since the official family will pay for supplies, what are you worried about, little sister? ”

Of course, Shen Silan knew that the imperial court could not requisition for free, and the reason why her eyes lit up was that this prospective nephew and daughter-in-law actually knew this, wouldn't it be that the Shen family would have a big extra hand in the future?

"My sister-in-law doesn't know that although the official family will compensate according to the current price, but now that the autumn harvest is over, we have a lot of grain and pre-winter furs stockpiled in the warehouse, how can we transport them out without merchant ships? If the delivery date is delayed, we will lose money and ruin our reputation. What's more, if these goods are not sold, we will not be able to hand over next year's advance payment to farmers and hunters, and the goods they will pick up at that time may be bought by the main house, sister-in-law, do you think I am in a hurry? ”

These words seemed to be for Shen Yuan's family, but Shen Silan's eyes looked at Yan Ruyue.

Yan Ruyue tilted her head and thought for a while, then took the account book in front of Shen Yuan and looked at it carefully. Soon she understood the general pattern of the Shen family's business. This is not troublesome for the Yan family and daughters at all.

The Shen family's business model is still traditional, that is, buying low and selling low, and the goods are available. Ginseng, animal skins, and coarse grains not available in the south were purchased from Bohai County at low prices, packaged and transported to the south by merchant ships, and then resold to the mainland through shops in various ports in the south.

Or it was shipped to the West through the channels of Roman merchants. Of course, Western merchants mainly deal in porcelain, tea, and silk, which are in high demand in the West. After the era of the great explosion of His Majesty the Holy Ancestor, there was a habit of cultivating mulberry and silkworms in all parts of the Han Empire, and silk also bloomed everywhere. Although the silk woven in Bohai County is not as good as that in Wujun, Jiangsu, Zhejiang, and Huzhou, it is expensive because of its cheap price, so Roman merchants still flock to it.

And in the wide variety of goods, except for animal skins and a few fixed products, the others are seasonal. Again, take silk as an example. In order to avoid no silk to collect and vicious competition, generally around October of the first year, the Shen family will allocate a part of the money for the purchase of silk to silkworm households, which is regarded as a deposit. In the next year, when the silk is on the market on a large scale, these silkworm farmers will hand over the silk to the Shen family in full amount.

Of course, there are silkworm households who only charge a deposit of 1,000 catties, but in fact, the output is 2,000 catties, and they will save the excess silk and sell it at a high price when the silk is short, or the silkworm households will collect two or more deposits to provide silk to his family.

But in general, this business model is not new, as early as the Spring and Autumn Period and the Warring States Period, Guan Zhong, Fan Li, Lü Buwei and other big businessmen have adopted this business model. In fact, this is the original capital operation mode, and it is also the phased accumulation of the original capital. For businessmen who do not have strong strength, this model can save them a lot of working capital and is desirable.

But after the Holy Ancestor Emperor created the Imperial Bank, this model can actually evolve and upgrade. Yan Zhun, for example, would have required at least four generations of hard work to reach today's scale if his assets were to operate according to a traditional business model. During the period, there can be no large-scale losses, otherwise it will still be empty. But Yan Zhun only took 30 years to build a big business empire, why?

"Madam, Miss, in fact, have you ever thought about mortgaging the Shen family's merchant ships?" Yan Ruyue gently put down the ledger, with a charming smile on the corner of her mouth.

Shen Silan is not married yet, so Yan Ruyue calls her Miss. As for Shen Yuan, she can still only call her Mrs.

"Mortgage?" Shen Silan frowned and puzzled, "The Shen family's merchant ships have been accumulated by the Shen family's ancestors for hundreds of years, how can they be mortgaged casually?" ”

Yan Ruyue said with a smile: "Miss, the mortgage is not a sale. What's more, we can implement paid mortgages. ”

"Paid mortgage?" Shen Silan held her chin and thought for a long time, and suddenly said, "Miss Yan is talking about the policy of the Imperial Bank?" ”

Yan Ruyue smiled and nodded: "When the Holy Ancestor founded the Imperial Bank, he once said that bankers should accumulate people's power for the country in case of emergency...... Take it from the people, use it for the people...... All the people of the Han Dynasty, regardless of the old, the weak, the widows, the widows, the farmers, the industrialists and the industrialists, can mortgage the property and take out loans with interest. ”

Shen Silan still frowned and said: "Although I have heard of this decree, but lending always gives people a handle, which does not seem to be in line with the Confucian way of stability. ”

Emperor Shengzu apparently showed the empire's modern capital operation model to the Chinese people very early, but because he was promoting this capital operation model at the same time, he was also vigorously promoting the Confucian culture, which was extremely beneficial to the maintenance of imperial power.

To a large extent, Confucian culture is actually opposed to business, "persuading agriculture to teach mulberry" and "agriculture-oriented". There are even many restrictions on personal freedom in terms of filial piety, such as "parents are here, not far away" and so on. It calls on the people to "first unite the family, then govern the country, and then level the world", "if you are good, you will help the world, and if you are poor, you will be good to yourself".

It is under the influence of this steady and enterprising culture that the Han people are extremely averse to borrowing. Even in the modern era when merchants are everywhere, if you go back twenty or thirty years, borrowing money from banks is something that ordinary people dare not try!

I remember that at that time, bank staff had the responsibility to borrow as much as they had to borrow each year, otherwise they would be fired. So at that time, the banks were chasing after the people's buttocks and begging them to lend money. Unlike later, it was the common people who begged their grandfathers to sue their grandmothers and let the bank give them loans.

Therefore, it is extremely normal for Shen Silan to have this kind of thought. If Yan Ruyue hadn't grown up in such a family, she might have the same thoughts as Shen Silan.

Yan Zhun's business empire was able to reach today's level, not to mention the collusion between officials and businessmen, borrowing money to make money, and the continuous operation and circulation of capital to earn more surplus value, and the cooperation with banks is also an important reason for its success.

Yan Ruyue knew that it was impossible to change the concept of the Shen family for a while, so she thought for a while and said: "Let's put it this way, miss, in the current situation, it is inevitable that the empire will requisition the Shen family's merchant ships, and you also said that it is too late to wait until the government subsidizes the cost, and if the ship is damaged, the government will not be able to compensate us for a while."

In that case, why don't we temporarily mortgage the merchant ship to the bank, and let the bank bear the risk this time? In this way, we can not only get a large loan to solve temporary urgent needs, but also give us enough time to deal with other things.

The Shen family has a big business, and as long as they have enough time, they are fully capable of buying these ships back from the new redemption. Even if there is damage, it will be compensated by the Imperial Bank according to the price, and we will not damage the foundation of our ancestors. The best of both worlds, why not?

To put it another way, now that the main house is in control, we are at a disadvantage, so if we pull the big tree of the Imperial Bank, won't we be able to recover this disadvantage to the greatest extent? ”

Shen Yuan's words were in a fog, but Shen Silan showed a thoughtful expression, especially the last words, which pierced her heart. Now Shen Silan is thinking about it, isn't it just to defeat Xiao Qin and take back her brother's estate?

"Miss Yan's words are good, but we don't have any acquaintances in the Imperial Bank, so it's not easy to do these things quickly, right?" Shen Silan slowly spoke out her worries.

I have to say that Shen Silan is indeed a qualified Han businessman. When it comes to these things, it is a bypass, and the first thing that comes to mind is not to go directly to the Imperial Bank, but to think about the unspoken rule that "it is easy to do things with acquaintances", which is indispensable in all dynasties!

Yan Ruyue smiled: "If Miss agrees, I can help Miss sort out this matter." ”

Shen Silan's eyes lit up, she looked at Yan Ruyue for a while, and smiled at Shen Yuan's family: "Good sister-in-law, it seems that Yuan Rang has found a good daughter-in-law for our Shen family!" ”

Yan Ruyue blushed suddenly, lowered her head and kept rubbing the corners of her clothes, but she acquiesced.

Shen Yuan frowned and said, "This merchant ship is solved, what about the goods?" Isn't it still backlogged in the treasury? ”

This time, without waiting for Yan Ruyue to speak, Shen Silan, who was familiar with the class, said with a smile: "Sister-in-law doesn't need to worry about this. With Ruyue's suggestion, I thought of a good idea. ”

"What's the solution?"

Shen Silan smiled and looked at Yan Ruyue, who was still a little ashamed, and said, "Miss Yan, I don't know if you can think of any way?" ”

Yan Ruyue raised her head, her moist cheeks were still flushed, and she smiled: "Miss, but you want to mortgage the goods in the form of freight mortgage like a merchant ship, and let others bear this risk?" ”

"Haha, I'll just say that Ruyue is smart! So guess what I'm going to do? Unconsciously, Shen Silan had changed her name for Yan Ruyue.

Yan Ruyue held her cheeks, blinked her starry eyes and said: "When it comes to being able to undertake such an emergency transportation of such a large number of goods today, I am afraid that no one will dare to do it except the Yan family, who has access to the world." Bohai Mansion happens to have the Yan family's warehouse, and the post stations also have the Yan family's shares, if the goods are handed over to the Yan family, it is definitely the best insurance! It's just that in this way, the Shen family is afraid that they will lose a lot of money, and in the future, the Yan family is likely to take the opportunity to get involved and get in touch with the guests of the Shen family. ”

Yan Ruyue spit out her fragrant tongue and said to Shen Silan with half reminder and half advice.

Of course, no one doubts the strength of the Yan family, and Shen Silan has always refused to use the energy of the Yan family before, because he is afraid that the Yan family will snatch away the guests of the Shen family.

However, as Yan Ruyue said, the only enemy now is Xiao Qin in the main house, and whether the Yan family will snatch the guests is second after all. Anyway, the goods hoarded this time are all wanted by regular customers, and these regular customers have decades of friendship with the Shen family, so they will not be snatched away by others.

Shen Silan left the courtyard with a smile, and at the door, her heart suddenly jumped: This Yan Ruyue's surname is Yan, doesn't it have anything to do with the Yan family?

But then she thought of Yan Ruyue's last reminder, and suddenly shook her head with a smile. If she is really from the Yan family, how can she remind herself? It seems that I am too suspicious!

After leaving the courtyard, Shen Silan immediately went to the Yan family's warehouse in Bohai Mansion to contact the freight mortgage.

Originally, the Shen family and the Yan family also had some business dealings, so Shen Silan had contact with the shopkeeper of this warehouse.

However, peers are enemies, and the Yan family is a hundred-legged insect, and they are involved in any business. Therefore, even the shopkeeper and Shen Silan have always been a little hostile.

I thought that if I went to cooperate with the Yan family this time, the Yan family would definitely put forward very harsh conditions, and even make things difficult in many ways. Shen Silan is ready to give up seventy percent of the profits of this cargo to the Yan family.

But when she arrived at the warehouse and told her about the matter, the always bitter and mean shopkeeper Lian was unusual, not only did not put forward harsh conditions, nor did she make things difficult in many ways, but said that there was no need for additional concessions this time.

This only made Shen Silan vigilant. The so-called nothing is diligent, either treacherous or thief. This Yan family has always plucked the feathers of geese, but this time he said that he would not slaughter the fat sheep sent to the door, which is too weird.

However, when the shopkeeper took out the mortgage contract with no problems, Shen Silan really couldn't refuse the temptation of this cooperation, and signed this contract that made her fearful, but she didn't know what was wrong.

The next day, Shen Silan came to the courtyard to talk to Yan Ruyue, but only saw Shen Yuan walking in the garden alone.

Seeing Shen Silan ask about Yan Ruyue, Shen Yuan said with a proud and satisfied smile: "Ruyue, this child, I cooked lotus seed porridge early in the morning, personally sent it to my room, and then went out with Her Royal Highness the Princess...... He said that he wanted to help you deal with the mortgage of the merchant ship.

Alas, I really don't know that Yuan has made this kid cultivate for several lifetimes, and he can marry such a good daughter-in-law. If there is a virtuous woman like this, the husband can be relieved to have a spirit in the sky! ”

Shen Silan breathed a sigh of relief when she heard this, she had received such a big benefit from the Yan family yesterday, and she had doubts about Yan Ruyue's identity in her heart. But today she overturned her previous idea again--- Ruyue went out with the princess, presumably with the help of the princess's energy to go to the Imperial Bank to find someone to help, right?! In that case, how could she have anything to do with the Yan family?

…………………… Dividing line ........................

PS: Very decisively and simply: Give a ticket, old and young masters!