This champion Lang Shousuke is really still a little good - he is vaguely aware of the importance of the country's coinage rights, but after all, he is limited by the times, and he can't really understand the huge power contained in it.

Of course, Lin Hanlong couldn't tell him directly: Our Qiong Navy wants to reach out and intervene in the financial lifeline of Daming. But as he just said - since it is a cooperation between the two sides, you must come up with an explanation that can be accepted by the other party, otherwise why should people believe you?

After thinking for a moment, he spoke:

"For those of us who run the industry, there is a saying that 'policy risk is the biggest risk'. In any business, the most important thing is to be justified. We can indeed do some business without the permission of the Ming court, but such a business is risky after all, and the scale cannot be too large. But if it can be recognized by the imperial court, it will be very different......"

As he spoke, he pointed to the salt industry account book in Bi Ziyan's hand:

"For example, our salt trading on the mainland, the account you saw last year shows that there is about 300,000 yuan in income, but please don't forget - this is only the profit when our Qionghai salt was still 'private salt'. Once our Qionghai salt can really be sold freely in the Daming market as official salt, no matter the increase in sales scale or the decrease in customs clearance costs, it will be much stronger than now. In the end, it is reflected in the ledger that there is a significant increase in profits. ”

"How much can it go up?"

Bi Ziyan immediately asked, Lin Hanlong smiled and glanced at Yang Yihe:

"Just now Lord Yang said that he wanted to specify the proportion of the account to 200,000 taels, and I was embarrassed to say that if I really want to account according to this number, most of the Ming Dynasty will suffer a loss at that time. The reason why our current salt market is limited to the coastal provinces is that the cost of entering the interior is too great - the channel merchants demand extremely high handling fees on the grounds that Qionghai salt is illegal, so as to compensate for the risk that they may be prosecuted by the imperial court for selling illicit salt. ”

"But there is not a lot of Qionghai salt sold inland."

Next to him, Zhou Yanru frowned. Lin Hanlong nodded:

"It's second-hand or even third-hand resale, and there must be someone behind the people who can do this kind of business - most of them are local 'powerful people'. It doesn't necessarily need to be a big official, a patrol department or a small official in the fast house is enough to do this. Because they are law enforcers, the fact that Qionghai Salt currently has no legal status gives them room to take advantage of selective law enforcement, which is the biggest factor in rising costs and unstable sales. ”

"That's what you call a 'policy risk'?"

"Yes, the laws of the Ming Empire have become those local enforcers who build trade protection barriers here. The best reason to keep our regular sales channels out of their control area, and once Qionghai salt is recognized as legal by the imperial court, they lose this excuse, and it is much more difficult to find other excuses to extort. Our own sales channels can enter the inland market in a bright way. What is the size of its profits...... According to the calculations of our business team, it can be at least more than double the size of the current stage. ”

Lin Hanlong's words used too many modern business terms, which made the people on the other side a little confused, but they immediately grasped the point:

"Are you saying that once Qionghai Salt becomes official salt, the income of your current shop will be doubled immediately? Then the dividends of the imperial court can also be increased accordingly to ...... 300,000 taels? ”

Lin Hanlong hesitated. It is the most taboo thing to pat your chest and make a guarantee in business negotiations, not to mention that for these top bureaucrats of the Ming Empire, if everything they say in front of them cannot be fulfilled 100%, it will have a considerable impact on the reputation of the entire Qiong Navy.

As if seeing his hesitation, Bi Ziyan said sincerely:

"Lin Xiaoyou, since everyone said that they would announce it openly and honestly, then the old man doesn't have to hide some things from you - the current Ming Dynasty's ...... Well, the financial situation is very bad. During the Wanli period, the highest silver salary could be more than 3.7 million, but now it is not even enough to make up 3 million. And natural and man-made disasters everywhere. The war is continuous, and the court needs to allocate money to go out, and it has been unable to make ends meet for several years. Now that the several transport warehouses belonging to the household department have long been empty, it is pointed out that some can still be allocated in the treasury of the Son of Heaven, otherwise I am afraid that even the hundred officials will not be able to send it. If you can really raise this annual tribute to 300,000, it is almost equivalent to one-tenth of the imperial court's annual income. The benefits for the Ming Dynasty are by no means comparable to 50,000,000 small fights, and the court's remuneration is also different. ”

Zhou Yanru next to him also nodded hurriedly:

"Yes, if it can really reach 300,000, our words in front of the Son of Heaven will be very different. It will be of great benefit to you what you ask. ”

The two giants on the other side both said so. Lin Hanlong naturally didn't want to shirk it anymore, but fortunately, this data was also within their negotiation bottom line, so after thinking about it, Lin Hanlong nodded and said:

"If everything is still operated in our original way after Qionghaiyan is changed to an official camp, and the personnel sent by the imperial court come over and don't trouble us, then we can ensure that the dividend in the first year is not less than 300,000 taels of silver."

"What about the back? Can it be increased by 60,000 taels a year? ”

Yang Yihe asked again, and his old man attached great importance to these details. Lin Hanlong just smiled at this:

"In the next few years, we will gradually withdraw, this sales channel is ultimately the Ming Dynasty's own, when the time comes, the business is good, the income is naturally high, and the business is not good, the income is low, and we can't be responsible for it all the time."

After a pause, looking at the faces of the people opposite, he added:

"In fact, according to the calculations of our business group, Qionghaiyan should have an explosive growth in scale and profits within two to three years of entering the inland market in a big way, and the revenue will not be hundreds of thousands, but mostly in millions - but I don't dare to pack tickets to you, because we don't know who was running it at that time. If it is the custom of the Ming Dynasty to send eunuchs to manage it......"

Lin Hanlong shrugged his shoulders and made a helpless gesture, and the few people on the other side also smiled bitterly - a little mockery of the eunuch in front of the civil official is definitely the best way to get closer to each other. It's like when modern people meet, they must scold the leader in three sentences, which is also a kind of communication skill.

Among them, Bi Ziyan has a deep understanding -- he was brought down by the eunuch Zhang Yixian, and not only lost his official position, but also went to the prison for a while. Emperor Chongzhen didn't know how to do it, but he always felt that the eunuchs under his command were good at some things, so they must be experts. For example, in military affairs, the emperor relied heavily on Gao Qiqian, believing that what this person said was more credible than those of the chief military inspectors. In the matter of economic work, he especially listened to Zhang Yixian's report, and asked him to supervise the household department and the Ministry of Industry before, if he really took back the salt affairs this time, there is a chance that this person will supervise the salt tax. At that time, even if the short hair is handed over to the silver taels, I am afraid that it will not reach the hands of the household, but will be sent directly to the inner carrier.

However, how to distribute the benefits within the court, the short hair definitely doesn't care, and Lao Bi doesn't want to expose his shortcomings in front of them, which makes people laugh in vain. So although he was related, he didn't continue on this topic, but just nodded:

"Okay, then we'll count it at 300,000 taels, and 300,000 taels to buy a coin license from the imperial court......"

He turned his head to look at Zhou Yanru - this kind of thing still has to be decided by Lord Shoufu in the end. Although everyone present, including Bi Ziyan himself, felt that there should be nothing to hesitate about, and anyone who didn't agree must have a bad brain.

Of course, Zhou Shoufu's brain is not bad, on the contrary, he is very sensitive, although it is reasonable that he can't find any reason to oppose this transaction, but deep down, he always has a feeling - Short hair will not do anything to suffer. They will definitely be able to reap the benefits of this transaction, and it is a big benefit, otherwise it would be impossible for people to spend the price of 300,000 taels of silver every Chinese New Year's Eve to exchange.

Just thinking about it, he still can't think of what benefits this coinage can bring to the short hair - every time the Ming court mints copper coins, it will basically lose money, if the short hair is really as a certain official guessed in the book, with a large number of impurities to cast inferior silver money, it will not be long before the common people will naturally adjust the valuation of this money accordingly, and the loss is only their own reputation - the Ming treasure banknotes in this regard can be described as a profound lesson, and the experience is equally rich.

Therefore, Zhou Yanru is not afraid of short-haired fake money, if you want to say fake money, who can compete with the imperial court? The imperial court directly uses paper as money! The imperial court could not force the common people to accept the treasure money with the authority of the law, and of course there was no way for the short hair.

After thinking about it for a while, I still didn't have a clue, so I just asked directly - anyway, these shorthairs acted unexpectedly, and I didn't have to bother too much to deal with them, and it was easier to ask directly:

"Salt is edible, but can you make money from it when you are in the money business?"

Lin Hanlong laughed and said bluntly:

"Of course, the profits of financial services can be very high, for example, in the simplest of the simplest cases, foreign exchange: it is inconvenient and unsafe for a merchant to go out to do business, and it is not safe to carry large sums of money. That's where we can provide off-site access services. In Hainan Island, others first deposited their money into a financial institution we had set up, and then went to Beijing City, where they received a sum of money of the same amount with the money order we had issued and a pre-set password. We charge 5 to 10 thousandths of a service fee – that's good business. ”

"There's also the deposit and loan business: somebody has a spare amount of money on hand and can't use it for the time being, so they can deposit it in our institution, and we pay him some interest. Others, who are unfortunate and in dire need of cash, can lend them money as long as they are in good standing or have collateral - and of course they will have to pay us interest, and it will certainly be higher than the former. This difference in and out of interest is our income. ”

Zhou Yanru still seems to understand it, but he finally has a general idea:

"Dart board, account board, pawnshop...... So you're trying to mix these businesses together, and that sounds good. It's just that there are a lot of things involved, and the three religions and nine streams are involved, and theft and fraud are inevitable, and it is difficult for ordinary people to get involved...... Well, with your ability, you can really do it. ”

Lin Hanlong had a strange smile on his face:

"We're used to calling this kind of financial services a 'bank.'" (To be continued.) )