Chapter 222 Lending

Hearing Yinzhen's faint tone, Zheng Shichang was shocked in his heart, the fourteenth master was seriously dissatisfied with him, thinking that when he was just preparing for the issuance of silver tickets, the fourteenth master ordered him to establish a printing workshop and a papermaking workshop to improve printing and papermaking technology, now it has been more than two years, but there is no progress, he is a little panicked in his heart, the fourteenth master doesn't want to abandon the Zheng family, right?

Thinking of this, he couldn't sit still any longer, and immediately knelt down, kowtowed, and said: "Subordinates should be damned, when they go back, they will immediately take the technical improvement of printing and papermaking as the first priority, and immediately send people to various places to hire technical craftsmen in printing and papermaking, and vigorously promote technological improvement." ”

Seeing that Zheng Shichang felt panicked, Yinzhen was not too worried, nodded slightly, and then said earnestly: "The paper improvement of Beijing Daily is not very urgent, but the silver ticket is different, don't look at the current 'Four Heng' monopolizing the silver ticket market, the scenery is unstoppable, but how many people have been offended behind this, you should know better than me in your heart, once the silver ticket is successfully forged, it will be able to make the 'Four Heng' go out of business in a few days."

Therefore, the paper and printing of silver bills must be updated at any time, and this king is also ready to introduce paper money to replace the silver and copper coins in circulation now, the existing printing technology and paper simply cannot meet the conditions for the issuance of paper money, this king has high hopes for you, for the Zheng family, I hope you will not let this king down. ”

As soon as he heard that Yinzhen was planning to issue banknotes, Zheng Shichang suddenly felt panicked, don't you make it clear earlier, I know that you still have such great ambitions, but when he thought of issuing banknotes, he became excited again, it was really a profitable business, he hurriedly replied: "My subordinates understand, I will never dare to disappoint the prince." ”

Only then did Yinzhen say, "Get up." Then he continued: "The technical improvement of printing and paper is not an overnight thing, and in the past two years, no pressure has been put on you, which is why it is also the case, but in two years, it is very rare to see you report to this king in this regard, and I know that you do not pay attention to it, and I have to beat you."

Now the 'four constants' are not short of money, we must be willing to spend money on technological improvement, we must spare no effort in recruiting talents, and the existing talents must also be vigorously cultivated.

In addition, technical improvement, to put forward a clear direction for craftsmen, such as the Beijing newspaper paper, to be slightly thicker, can be double-sided printing, rough point is fine, because the sales are large, to bulk materials.

The requirements of banknotes are much more stringent, paper, to be resistant to folding, wear and tear, or not afraid of flooding, to have a sense of concave and convex, it is best to use small materials to manufacture, printing, not only to be exquisite, to be complex, the color is also bright, such as watermarks, inlays and other anti-counterfeiting technology is the top priority.

With a clear direction, a craftsman should have a clear goal, in order to get twice the result with half the effort, and then, the craftsman who has made major improvements should be rewarded, don't be afraid to spend money, the allusion of buying horse bones, you should know it. ”

As soon as he heard Yinzhen say the request so carefully, Zheng Shichang hurriedly wrote it down, but he secretly thought in his heart, I don't know how long the fourteenth master has been thinking about this banknote, otherwise how could he say it so carefully?

After Zheng Shichang remembered that it was almost there, Yinzhen continued: "The year before last, the 'Four Hengs' intercepted one or six hundred thousand, and last year it was one million and two million, nearly three million of the working capital, put it in the warehouse, it is not a way, take it out for lending first, the 'Four Hengs' as a silver number, it is impossible to say if you don't lend, three million is a little less, put the king's four costs of silver, and release them together."

The royal family of the 'Four Great Heng' occupies a lot of shares, and they can't lose their reputation for competing with the people, so the interest should not be high, just release it at a monthly interest. ”

Hearing about the development of the lending business, Zheng Shichang was secretly happy, when he heard that the monthly interest was only one cent, and when he was on the line, even if he had to take into account the reputation of the royal family, he could not lend at such a low interest, he hesitated and asked: "The prince is talking about one or two silver, and the monthly interest is only one cent?" ”

Yinzhen glanced at him and said with a smile: "You mean it's low?" ”

"Go back to the prince." Zheng Shichang bowed and said: "It's not low, but it's too low, the merchants on the market borrow silver, and the minimum interest rate is five cents, and only then will one point be released." ”

"Don't just look at the small profits in front of you." Yin Zhen Chunchun said: "The 'Four Constants' initially operated the lending business, and the scale of lending was also very small.

The reason why the 'Four Constants' should open up the lending business is to gradually eliminate usury, low-interest loans not only take into account the face of the royal family, but also support small and medium-sized businessmen, handicraft workshops, and promote commercial development, of course, the most important role is to promote the circulation of money. ”

Hearing this, Zheng Shichang felt a pang in his heart, the fourteenth master's four costs of silver are 20 million, this is still a small scale, how big will the scale be in the future? Moreover, listening to his tone, the lending of the 'Four Great Hengs' actually involved government affairs, and it was not a small government affairs, and he couldn't help but feel a little apprehensive. After thinking for a while, he asked: "The Fourteenth Master did not mention the farmers, is this lending business not open to the farmers?" ”

This Zheng Shichang is fine, Yinzhen glanced at him approvingly, and said with a smile: "That's not it, the farmers' loans, I have to ask the emperor to prepare to launch a special loan for farmers, because the farmers borrow less, so the interest will be lowered at that time, and it is expected to be between six and eight percent." However, this will have to be postponed for some time. In addition, there is no restriction on the lending of the 'Four Constants', but the initial operation must be stable and supreme. ”

"Lord Wang, there is another question." Zheng Shichang groaned and said: "Our interest rate is so low, will it give people the illusion that the 'Four Great Heng' is lending with the principal of silver bills, crowding out the market, if there is such a rumor, the subordinates are a little worried about the phenomenon of run." ”

"That's a concern." Yinzhen nodded and said: "This king is now famous, but there is no need to scruple, you will let out the rumors to the outside world, it is this king who is lending, I believe no one will question this king's financial resources." As for the principal of the silver ticket, don't move it now, the signboard of the 'Four Constants' is not easy to come by, and we must adhere to the supremacy of credibility. You must strictly manage the bank vaults of the branches in various localities, check them at any time, and not be negligent in the slightest. ”

Since it is in the name of the Fourteenth Master, Zheng Shichang has nothing to worry about, now all over the world, who does not know that the Fourteenth Master is rich and rivals the country, but thinking that the business of lending involves government affairs, he is a little uncertain, because he asked tentatively: "My subordinates respectfully respect the order of the prince, but this lending business involves a lot, do you want the court to send someone to supervise?" ”

"It doesn't have to be." Yinzhen chuckled and said: "As soon as the court intervenes, it will be disturbed if it is not chaotic, this matter, this king will enter the palace to report to the emperor, you let go of your hands and feet, but you must pay attention to accumulating experience, the scale of lending will become larger and larger." ”

Chapter 222 Lending

Chapter 222 Lending, to the website