"Sancheng ......," Xu Yuanzhi said thoughtfully.

Sima Kao, who was walking next to Xu Yuanzhi, was silent, with a lost expression on his face. The investor conference has been prepared for a long time, and when it is actually announced, it is only a few words. Yuan Hongjie, secretary general of the Navigation Guild, announced that the investor meeting was divided into three percent, and then announced that the group meeting would be held. The category of investors to which Sima Kao belongs is all-inclusive, and investors only have to give money and take money. Leave nothing else at stake.

Because it is easy to get some internal information in the school, Sima Kao learned that the benefit ratio of ordinary sailors who go to sea is much higher than this. So when he left, Sima Kao's face was full of loss, and the dignified jinshi only had the lowest dividend ratio, and Sima Kao was very disappointed.

"Thirty percent of it is all cash. Interesting. Xu Yuanzhi said to Sima Kao.

"What do you mean?" Sima Kao didn't quite understand Xu Yuanzhi's focus.

Xu Yuanzhi, who had been a governor, glanced at Sima Kao with some surprise, and then said: "Thirty percent is lower than the interest rate of money lending, but I am afraid that I can't get much cash for money lending." ”

Sima Kao is a judge, and he immediately understood after hearing this. The Great Song Dynasty was short of money, and after the money was lent, it was likely that the land and shops were recovered, or nothing could be collected. Because the Great Song Dynasty government did not allow people to be kidnapped because of owing money, Huang Shiren in this era launched the 'Mu Renzhi debt collection' skill, and probably couldn't get Xi'er back. Because if Xi'er goes to sue the official, Huang Shiren, who was kidnapped, will probably be empty of both people and money.

The nautical guild will give cash, and those who put in the money will pay the money, and those who put in the copper money will give the copper money. If it is only given to key investors, this is a return of principal and profits to all investors. This is a pure money exchange involving millions of yuan, such a scale, probably no one in the entire Great Song Dynasty can have such a handiwork.

After figuring out this joint, Sima Kao immediately didn't want to complain. He invested 10,000 yuan in banknotes this time, and he was able to get back 13,000 yuan in banknotes, and this money does not have to pay taxes. In fact, Sima Kao is already ready to get some more money from his family to raise enough 20,000 yuan, and he will probably be able to earn 26,000 yuan by this time next year.

Just when Sima Kao was sketching out a beautiful imagination, he heard Xu Yuanzhi speak again, "Can such a return last?" ”

It's really a word to go to heaven and a word to hell. Sima Kao felt that his uncle's words were really inexplicable, and judging from the previous story, Xu Yuanzhi admired the ability of the Navigation Guild. Why did you suddenly start sounding the death knell for the nautical guilds? Thinking of this, Sima Kao asked, "Uncle Shi, didn't you still want to invest some money in the Navigation Guild before?" ”

"Now I want to keep throwing money in." Xu Yuanzhi replied.

Sima Kao looked at Xu Yuanzhi with a puzzled look, puzzled by his uncle's judgment. If you doubt that the returns of the Nautical Guild will not last, then why keep investing. However, Sima Kao didn't dare to ask too much, after all, his official was only a judge, and his uncle Xu Yuanzhi had been the governor of Fuzhou and Guangzhou. In terms of knowledge, Xu Yuanzhi is always a little higher than Sima Kao.

Xu Yuanzhi looked at Sima Kao, who looked puzzled, and he felt that he had no way to explain to this Ezhou judge at all. Zhao Jiaren's ability is undoubted, but the prosperity that Zhao Jiaren is now creating is not unprecedented. In fact, Xu Yuanzhi himself can't make a detailed explanation, but it has been said many times in history books that as long as a place has a large amount of money, there will definitely be various problems. Even a capital like Bianliang or Lin'an will not be able to withstand such an impact. Other dynasties in history used the method of emphasizing agriculture and suppressing commerce to forcibly attack merchants, but the Great Song Dynasty could not help but annex and did not discriminate against merchants, so many problems were more intense when they broke out.

Before seeing this investor meeting, Xu Yuanzhi was just curious. After seeing the investor meeting, Xu Yuanzhi felt that his curiosity could not be suppressed, since he couldn't talk to Sima Kao, Xu Yuanzhi said: "Let's go and meet Zhao Zhizhou together." ”

The two Jinshi came together, and even though Zhao Jiaren was very busy, he still met with the two. Zhao Jiaren attaches great importance to Jinshi because Jinshi has great influence. At that time, Xiang Shibi Ma Guangzu, as a jinshi, was able to raise thousands of militia groups to fight the Mongols with a single call in the local area.

If Xu Yuanzhi and Sima Kao were really willing to join Zhao Jiaren's team, they could gather the rich in their hometown to invest in Zhao Jiaren, and the poor to inject labor into Zhao Jiaren's system. It can be said that there are many benefits. In extreme cases, such as the demise of the Lin'an court. At that time, the appeal of the local jinshi was even more precious.

Xu Yuanzhi doesn't like to play official, he asked his own questions straightforwardly. Sima Kao listened to Uncle Shi's words, and the whole person was stunned. This Ezhou judge didn't expect that Uncle Shi would actually ask questions from the perspective of the world and history. This topic is no longer the domain of Zhizhou, but the domain of the ministers in the court.

Zhao Jiaren didn't feel strange after hearing it. In the 21st century, Xu Yuanzhi questioned that Zhao Jiaren's fleet was in some ways akin to a Ponzi scheme, or rat club. Because Zhao Jiaren paid investors money, not in kind. Xu Yuanzhi believes that if he does this, he will not be able to maintain sustainable development.

Of course, Xu Yuanzhi's words involve a lot of currency-related content, which sounds a bit bluffing. Sima Kao, who listened to it, was stunned.

Since the two of them are like this, Zhao Jiaren is also hypocritical, he replied: "If you want to explain this problem to Mr. Xu, you must first clarify the concept of currency." I don't think it's efficient to teach Mr. Xu and Brother Sima, so I'm going to start a class and give a big lecture. The two of you will go back and wait for the news, and the class schedule will probably be released tomorrow and the day after tomorrow. ”

Zhao Jiaren never talked nonsense, and sure enough, the day after tomorrow, the class schedule was discharged. On the fourth day, Zhao Jiaren went to Yamen first, and sent an official letter to Xia Xi, the commander of the Left Wing Army, asking Xia Xi, who had been away from Fuzhou for more than half a month, to quickly answer whether the migration had begun. After finishing this matter, Zhao Jiaren rushed to the school.

At this time, the cadres of the Navigation Guild had already returned, plus the two jinshi, and the thirty people were waiting.

"Money is the general equivalent." Zhao Jiaren came up and brought out the content of the university class. Looking at the stunned faces of the cadres, Zhao Jiaren said with a straight face: "I have to take the exam in this class, and all the basic theories I have to take the exam, and I must pass them all by one!" ”

After such a strong order, the students were dumbfounded. Without waiting for them to continue wasting time, Zhao Jiaren said to Sima Kao: "Sima Kao students, you are here to be a member of the study committee, and all the students' notes must be checked." ”

Although Zhao Jiaren's attitude is firm, the content is very flexible. Historically, the currency of China was money, and gold and silver have not been the main currencies in China. This is not quite in line with Marx's statement in Capital: 'Gold and silver are naturally money'. However, Zhao Jiaren doesn't care about these, he has been in the Great Song Dynasty for many years, and he can finally understand many problems in the Great Song Dynasty.

First of all, there is the problem of currency outflow in the Great Song Dynasty, and the so-called expulsion of good money is not equal to currency outflow. The Great Song Dynasty did business with foreign maritime merchants, and copper coins were paid to foreign maritime merchants. In the eyes of these foreign maritime merchants, copper money is not a currency, but a kind of goods. Every time I go to sea, I take away thousands of pounds of copper coins, firstly, this thing is a very valuable commodity, and secondly, it can be used as ballast. Why not, before you know it, the local currency of the Great Song Dynasty is greatly scarce. This cannot be said to be a malicious act of the maritime merchants, but because their countries do not have the concept of currency, let alone the concept of general equivalents.

Now the navigation guild led by Zhao Jiaren has completely changed this problem, and the Great Song Dynasty fleet does not carry the Great Song currency when it sails, but carries a large number of commodities, exchanging commodities for goods, which not only expands the maritime trade of the Great Song Dynasty, but also puts an end to the problem of the outflow of Great Song currency.

Telling a lot about his exploits, Zhao Jiaren said loudly: "And these goods are also exchanged for a lot of gold and silver!" Ladies and gentlemen, these goods have also been exchanged for a lot of gold and silver! ”

Among the crowd, only Qi Ye and Qi Ye, the big treasurer of Renda Qianzhuang, and Qi Ye's two subordinates knew why Zhao Jiaren was so excited. The corners of Qi Ye's mouth couldn't help but smile, while the others didn't know why Zhao Jiaren was so excited, and they all looked at Zhao Jiaren in surprise.

Zhao Jiaren took out two money bags from his bag and said to Sima Kao: "You give two coins in it to each person." After class, everyone signed the collection record. ”

Sima Kao came over and picked up the money bags, and was surprised to find that the two money bags were very heavy. When I reached in, I felt that it was made of money, but when I took it out, I realized that it was a round coin without holes. There are gold coins, there are silver coins. Gold coins are not the same size as silver coins, and gold coins are exactly the same size from gold to gold coins.

Each student received two, and the gold and silver coins were just divided. Xu Yuanzhi saw that the edges of the gold and silver coins were very smooth, but they all had very delicate patterns, the middle of the obverse of the coin was 'one tael', and there were other patterns, and the back was the four words and patterns of 'Renda Qianzhuang'. The overall style of the gold coin is similar, except that because it is smaller than the silver coin, the text on it is more delicate, and the pattern is different from that of the silver coin.

A few months ago, Qi Ye, the big shopkeeper of Renda Money, got these precious metal currencies, and Qi Ye also contributed a lot when designing the currency. Unlike the other academies, he just held the heavy currency in his hand and played with it, and his eyes did not look at the gold and silver coins. Qi Ye knew very well what Zhao Jiaren wanted to say, Zhao Jiaren not only stopped the outflow of Great Song currency through the Navigation Guild, but now he was able to issue a certain currency by importing gold and silver.

In the current Great Song Dynasty, gold and silver have assumed the responsibility of currency. It's just that the amount of gold and silver is too small, so it can't be issued on a large scale. Relying on the Navigation Guild, Renda Qianzhuang finally became the first Qianzhuang to eat crabs, and as the big shopkeeper of Renda Qianzhuang, Qi Ye also felt honored.

"Originally, we were importing goods and exporting money. Now the situation has changed, we have become an export of goods, an import of money. Some people used to think that it would be difficult for us to sustain the direct distribution of currency to investors, but I think this is too much. Zhao Jiaren glanced at the group of cadres and students, and finally swept his gaze over Xu Yuanzhi.

Xu Yuanzhi didn't feel that his face was damaged. He listened to what Zhao Jiaren said with great interest, and felt that the sentence 'You can die at night' is really the sincerity of the ancients.