Chapter 30: Borrowing Money

In terms of expenditure, there are about 20,000 workers and craftsmen in the Ordnance Bureau, mainly in the production of muskets, artillery, gunpowder, ammunition, and armor.

The monthly labor cost reaches 80,000 taels, and the monthly research fund is 10,000 taels, and the annual expenditure is 1.08 million taels.

The monthly cost of raising horses reached 30,000 taels, the annual expenditure was 360,000 taels, and the funds for the purchase of horses were allocated 500,000 taels, and the annual expenditure would reach 1 million.

Tuntian is estimated to be self-sufficient next year, and there is no need to pay for silver taels, but there must be 500,000 taels to be placed there as a reserve fund.

In terms of military spending, there are 15,000 front-line troops, and the monthly military expenditure (military salary, equipment maintenance) is about 60,000 taels, or 720,000 taels per year. In the case of death benefits, they can be converted into real estate and are therefore not included in the budget.

3 million taels of military expenses for the second-line troops.

Zhao Yan allocated 300,000 taels to the navy for the navy's budget, and the sea trade side had to come up with 500,000 taels of funds as the principal.

If you want to mix in Daming, bribing officials is a must, and another 300,000 taels are budgeted.

Roughly calculated, 7.4 million taels of funds need to be spent a year, plus the 20,000 sets of plate armor required by Lu Xiangsheng, reaching 7.7 million taels.

"This year, we have to earn at least 7.1 million taels of silver, and it is impossible for private salt to earn 10 million taels this year, but the bottom line of 4 million taels must be met, which may be a little difficult, but it is man-made. The glass mirror must earn 5 million taels of silver, and it should not be difficult to meet the standard in this regard. Zhao Yan set a target, "This year, our main focus has to revolve around the sale of illicit salt." ”

"Childe, you have to be cautious in terms of budget, private salt may be this thing, and you can't keep it." Zhao Quan said.

"The second-line troops can be formed, but in terms of equipment, we have to take our time first, and deduct the 2 million in the budget first, leaving a leeway, so that we can be insured." Liu Heng thought for a while and said, "Besides, the second-line troops are used to deal with thieves, as long as there is enough discipline, the equipment is generally competent." ”

"Hmm!" Zhao Yan agreed to this suggestion, and first withheld 2 million room for maneuver, so as not to break the capital chain, "Send invitations to those big businessmen in Shandong tomorrow and borrow money from them." ”

"Sir, don't we have enough money? Why ask them to borrow? Zhao Yong listened and asked puzzled.

"There is borrowing and repaying, and it is not difficult to borrow again. We don't have to borrow too much now, but we have to be on time, so that we can borrow our credit a few more times, and it will be much easier to ask them to borrow when they are really short of money in the future. Zhao Yan explained.

"Oh! It's still an adult. Zhao Yong smiled and said with a smile.

……

Zhao Yan sent a letter to Zhu Dadian in early April, and also secretly sent 20,000 taels of silver, in which he mainly congratulated him, and then asked him to take more care of the Jianghuai area.

Zhu Dadian quickly replied, and also congratulated Zhao Yan on his promotion to the rank of general soldier of Denglai, and said that he would take care of the tundi and Jimin commercial banks in Yingzhou.

Zhao Yan and Zhu Dadian are in a relationship, because of the relationship between silver, it is not bad. This time, Zhu Dadian was appointed as the governor of the four prefectures in the Jianghuai area, and Zhao Yan naturally had more places to use him.

Zhao Yan was promoted to the general army of Shandong, and took advantage of this to set up a celebration banquet, and invited those merchants in Shandong, large and small, during which Zhao Yan put forward a request to borrow silver.

Those businessmen had strange faces, the Zhao family sold so many glass mirrors to go out, is there still a lack of money?

Although they felt strange, they still borrowed money one after another, although each of them had some concerns and didn't have much more, but they all came up with some.

It is impossible to pay it back, the Zhao family has a glass mirror, how can they not be able to pay back the silver, just make more to offset it.

The problem is that these businessmen are afraid of being hacked by Zhao Yan, after all, Zhao Yan's identity is not what it used to be, but he is the general soldier of Denglai who holds soldiers and horses.

Although it is unlikely if you think about it carefully, there are still some concerns, so although they have borrowed money, they don't come out much. This time, Zhao Yan also borrowed more than 300,000 taels of silver, and repaid them after three months, and the interest was very low, so low that these merchants couldn't see it.

In this banquet, a new glass mirror sales plan was decided.

The price of the glass mirror was lowered, and the price of the smallest glass mirror was only ten taels of silver, about the size of a palm. Then the specifications gradually increased, and the price also increased.

It is divided into nine specifications: ten taels, thirty taels, eighty taels, one hundred and twenty taels, three hundred taels, five hundred taels, eight hundred taels, one thousand two hundred taels, and three thousand taels.

There is also a clear positioning in terms of retail price in the market, and the retail profit cannot be lower than 30%. For example, the price of a mirror with eleven taels cannot be less than thirteen taels.

This new rule has made these Shandong businessmen suffer a little, but they have to accept that the 30% profit is still very considerable, and the market will expand, and they will definitely earn more silver.

And those mirrors that are still on sale can be removed from the shelves and recalled, and they will not cause them any loss.

In addition to glass mirrors, Zhao Yan also launched a new glass product - skylight.

It is a type of glass that has a curve like a tile, and it is mounted on the roof, so that light can enter from above during the day, making the room bright.

In the era when there was no glass, the atmosphere inside the house was dark even during the day, especially the houses of the poor.

Wealthy people's houses may be better, and they will have some lighting facilities, but they will not be able to get light sources from overhead.

This kind of skylight, which costs three hundred taels of silver on one side, is still mainly focused on luxury, and the rich often build houses at any cost.

A merchant saw a business opportunity and took out 50,000 taels of silver on the spot to buy nearly 200 sunroofs.

In addition to skylights, there are also glass windows.

Zhao Yan will never sell flat glass, so these glass windows are printed, and some of them can be flat, and a flower can be printed every other short section, and it is almost impossible to change this thing into a glass mirror.

At present, glassware is made of handicrafts, as well as a small number of utensils, which are not easy to sell, and sometimes they are not scarce and everything is easy to sell.

Glasses, bowls, these things, although translucent, but obviously not as heavy as porcelain, so the sales have not been very good, but some people look strange, so they pay silver to buy, but it can not cause a big sale.

Handicrafts are still selling well, with the craftsmanship of craftsmen getting higher and higher, some difficult handicrafts have also begun to be manufactured, although such handicrafts are not heavy, but the shape can often make people amazed, the price is not very high, so the sales are still good, with good commercial potential.

As for the telescope, it was forbidden to be sold as a military instrument, and each officer of the company rank was equipped with one, and the scouts were also equipped with a large number of telescopes.

This thing is very useful on the battlefield, as it can detect the enemy's deployment in time and adjust the tactics to deal with it.

The income of glass has reached 5 million taels this year, and it is estimated that there is no difficulty, after all, glass mirrors have formed a comparative atmosphere in Daming.

Those big families, who don't buy glass mirrors! This is a symbol of dignity, and often a glass mirror can cause many people to marvel and praise, so that the owner has more face.

The reduction in the price of the glass mirror will not destroy this comparison, after all, the glass mirror has specifications, the higher the specifications you buy, the more combat effectiveness you have.

……

After two years of development, Zhao Yan has set rules in all aspects, and many things only need to be handed over to the people below.

However, the training of the navy and the improvement of textile machinery had to be carried out by him himself.

In the early summer of August, all parts of Daming were relatively calm. The only thing that is not calm is naturally Shaanxi, where the peasant army is already in full swing.

After Hong Chengchou returned to Shaanxi, he did not dare to attack immediately at all, but continued to deploy troops. A large number of peasants had no hope of survival and had no choice but to join the army of thieves.

Shaanxi was already in ruins, and it was not easy for the peasant army to find rations, so Gao Yingxiang, Zhang Xianzhong, and other troops already had the intention of flowing eastward, while Li Zicheng's troops concentrated on developing in Shaanxi.

The relationship between Gao Yingxiang, Li Zicheng, and Zhang Xianzhong is not the relationship between superiors and subordinates as many people think.

When the partnership is in control, the backbone is controlled, and the backbone controls the cannon fodder that is wrapped below. If you want to annex other thieves, it doesn't make sense in the first place.

Even if it is annexed, it is only the annexation of those few backbones. As for those cannon fodder, they are everywhere, so why bother to fight with your peers?

However, there are also cases of fire merger, such as Li Zicheng and Cao Luo Rucai, which was already the time when Li Zicheng had the ambition to be the emperor.

After Zhao Yong finished the meeting, he hurried to Handan, preparing to deal with the thieves fleeing east again. These thieves must be resolutely extinguished, and the reason why the Manchus were able to enter the customs was mainly because the capital was broken by the thieves, and the Manchus entered the Central Plains under the banner of avenging the Ming Dynasty.

So as long as the thieves are suppressed, it is impossible for the Manchus to enter the customs and entrench themselves, how many people are there in the Manchus? So how many places can they entrench in hundreds of thousands of people?

The reason why they can occupy the world is because of the hard work of those cannon fodder, and they are hiding behind and robbing.

If the capital is not broken, the Ming Dynasty will not die, and there will not be so much cannon fodder for the Manchu Qing Dynasty.

Zhao Yan's final bottom line was that the peasant army could not fight Shanxi, and once Shanxi, he would mobilize all his military forces to meet it.

Before attacking Shanxi, it was enough to send one or two troops to suppress it.

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The third update! It's been a long time since I've dealt with the book review area, and I'm working on it tomorrow, so I'll go to bed first. In addition, thank you to the book friends who have rewarded in the past few days

It's going to be on the shelves tomorrow.,I hope everyone can spend so much.。 It's just a few cents a chapter, which is really not much.

Although a few years ago it was the same pennies as it is now, the pennies now are no longer comparable to the pennies a few years ago, hey! The central ticket was accidentally printed too much, and the manuscript fees of us authors also depreciated.

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