The affairs of Wangjianglou are going on in an orderly manner, and on this day, Mo Xincheng found Chen Youyi and mentioned a thing, "The cash under our hands is a little nervous, and we have bought a lot of building materials recently, I'm afraid that these silver are not enough." ”

Chen Youyi was slightly stunned when she mentioned this, in fact, she also understood the matter of silver in her heart, because she had roughly estimated with Li Tianyou before that it would cost about fifteen thousand taels of silver to finish all the Wangjiang Tower.

However, she only has a total of 5,000 taels of silver in her hand, and 1,500 taels are spent to buy land, and the rest is only 3,500 taels of silver.

"Three thousand five hundred taels will be spent so quickly." She said with a slight hesitation.

"At present, a lot of materials have been bought, so there should be no need for a large amount of silver in a short period of time, plus all aspects of income, successively supported, barely able to survive a month, but the cost of silver will increase in the future, how to solve this aspect?"

Mo Xincheng helped Chen Youyi manage the affairs of the station room, so he knew this matter the most.

"How much do we earn each month?" Chen Youyi said slowly while drinking tea, as if she was not nervous about silver at all.

"At present, the family's monthly income is about two hundred taels of silver, which is all the income, and there are about fifty taels of silver needed to run to live, and one hundred and fifty taels can be left every month."

Chen Youyi glanced up at Mo Xincheng, it seemed that it was still very useful to let him help him manage the accounts, and he was very fine in this regard.

But think about it, the net income in a month is only one hundred and fifty taels, and the Wangjiang Tower still needs at least ten thousand taels of silver investment, what a big gap.

Chen Youyi couldn't help frowning, but quickly stretched it out, put the teacup aside, looked at Mo Xincheng with a shocked face, and sighed, "It seems that this gap is still very large, and there is still a long way to go if I want to completely cover this Wangjiang Tower with my own strength." ”

Mo Xincheng hurriedly said, "If you want to say that the pure income of one hundred and fifty taels of silver is really a lot of ordinary people's families, the annual income is only a few dozen taels of silver, and some are even less than this, you have so much income in a month, it can be said that you are a big local family." ”

She glanced at Mo Xincheng with a smile, and then asked, "You are quite good in terms of financial management, so let me ask you, you have also seen the drawings of Wangjiang Tower, and you know the layout inside, you said that if this Wangjiang Building is built and starts normal business for a month, how much can I earn?" ”

Mo Xincheng, who asked this question, was stunned for a moment, he hadn't thought about this question, and he had never thought about it like this, so he shook his head and was silent.

Chen Youyi stood up and came to him, "A Shengshi restaurant, two breakfast shops, and some other messy things, only one hundred and fifty taels of silver a month." But if the Wangjiang Building is built, my monthly income is 1,500 taels of silver, which is more than ten times the income of the Shengshi Restaurant. Fifteen thousand taels of silver can only pay for itself in a year. ”

Mo Xincheng was amazed by Chen Youyi's calculations, and his face showed admiration, "But although this is the case, how to solve the silver that Wangjiang Tower needs at present?" "That's the most important thing.

Chen Youyi suddenly laughed, "Since the silver in our hands can last enough for a month, then in this month's time, we can prepare 10,000 taels of silver." ”

What she said was easy and natural, but where to prepare, and this time Chen Youyi planned to build Wangjiang Tower alone, and did not want to cooperate with others.

"Mrs. Qin, what are your plans?" Mo Xincheng is not very old, and although he has a lot of thoughts and is very meticulous in doing things, he is still inexperienced in some things after all.

"Generally, when people don't have money in business, they will think of two situations, the first is to borrow money from friends, and the second is to borrow money from the bank. But in your case, it is even more difficult to borrow money from the bank than it is to ascend to the sky, and even if the bank lends it to you, it is only a small part. ”

Chen Youyi said slowly, "I have already asked someone, if I go to the money bank to take a loan, I can only borrow two thousand taels of silver at most, and I have to pay a high amount of interest, which is very not cost-effective." ”

Mo Xincheng frowned slightly, thinking about what this loan meant, because he often heard some very tongue-twisting words in Chen Youyi's mouth, and he didn't understand the meaning.

However, I can roughly understand that this loan probably means that he wants to borrow money in the bank, so Mo Xincheng didn't ask carefully, but continued to listen.

"But I have a third situation here, and this third situation is called social financing."

A new word suddenly popped up, making Mo Xincheng frown slightly, "Social financing? ”

After Chen Youyi came here, she tried her best to be familiar with the rules and ways of speaking here, but sometimes she couldn't find a more appropriate word to describe it, so she occasionally said something that she could understand but she couldn't understand at all.

"To put it simply, it is to borrow money from the local people, of course, the people do not have too much money in their hands, but the scattered money will become a lot of money, I pay them interest every month, and then take their money to build the Wangjiang Building, and then earn money back to the capital, and then repay the money borrowed from them."

After such an explanation, Mo Xincheng also roughly understood what Chen Youyi meant, "You mean to borrow money like ordinary people, very little into a lot." ”

"That's right." Chen Youyi said with confidence, in fact, from the beginning, she knew that she couldn't afford to build Wangjiang Tower with the financial resources in her hands, so she thought about this plan early on, "I have asked Wang Da to inquire and see how many people are willing to lend me money, but these jobs are done in private and have not been announced yet." ”

"I have never heard of such a thing, it is not easy for those ordinary people to make money, how can they easily take out their own money to you, if you can't pay it back, then their money is not ......"

Speaking of this, Mo Xincheng saw Chen Youyi's questioning gaze, and hurriedly closed his mouth, Chen Youyi could understand the meaning of his words, "I'm not that kind of liar, I'm not cheating the people's money, just borrowing it, not to mention that I will give interest." ”

Although Chen Youyi was very confident, this kind of thing was still too risky for Mo Xincheng, after all, he had never experienced or heard of such a thing.