Yun Fan smiled and gave an explanation, "Because the supermarket in the Dragon Kingdom has developed step by step, there is a gradual process of formation, not in one step. Pen%Fun%Pavilion www.biquge.info increase a little like this today, add a little like that tomorrow, and slowly expand the scale.

Dragon Country producers, there is also a process for accepting this way of selling.

As you know, in Dongzhou, almost all the commercial houses only sell their own products. For example, the Yun family only sells their own steel, metal and other things, and will not sell the grain and oil of the Shen family and the silk weaving of the Zhu family. The Zhu family and the Shen family will not hand over their goods to the Yun family for sale.

Any one is both a manufacturer and a seller. This method greatly restricts the development of business.

In the Dragon Kingdom, the business slowly divided labor and cooperated, some people specialized in production, some specialized in sales, and some specialized in transportation, which was both professional and developed rapidly. Because of professionalism, high quality, and large quantity, profits have grown rapidly and the company has expanded rapidly, which has led to today's huge caravan. ”

Yun Fan's words made everyone fall into deep thought, the reason is very simple, and it is easy to say, but it is difficult and difficult to implement. It is difficult for established merchants who have formed an inherent model to accept Yunfan's approach, because it is easy to leak trade secrets.

In fact, in the Dragon Kingdom, Yun Fan has been worried about this for a long time, and has convened various merchants many times to explain the advantages and disadvantages to them.

For example, in the former Ming family, some people came to buy knives, guns, swords, halberds, bows and arrows, and some people came to buy them, and no one came to buy them, so they were idle.

Yun Fan explained, now you just have to build it, don't worry about no one buying it. No one buys Long Danjin, but there is wow. You don't have the ability to ship to other places to sell, others have wow. If you lower the price a little bit and sell it to a merchant who specializes in sales, although the price of a single item is a little lower, the total profit will only increase, not decrease, and you will naturally earn more.

And merchants who only buy and sell, such as Niyun Company, do not have to worry about not having their own products and being controlled by others, because you can sell goods from many, many manufacturers, not just one, this one does not sell to you, and there are many more people who are willing to sell to you. So, the producer definitely can't restrain you.

The last key issue is funding. It's okay, the Dragon Country Money Bank will lend you a turnover.

Yu Tong mentioned this problem, "Ordinary businesses need to do what they can. If I produce something, let's take the analogy of the Ming family you said. I started selling one knife a day, so naturally I didn't have much steel in stock. If you ask me to produce in large quantities, I will need to buy steel in large quantities, but the money may not be enough. Even if there is storage, but if you buy a lot of steel at once, what if the sword can't be sold? Is it all bought by the seller in cash? Well, the seller pays in full, the producer is fine, but what about the seller? He has so much money to stock up on goods? What if he can't sell it either? No one can guarantee that every product will sell well at any time. ”

Yun Fan nodded and said, "Yes, this is the key." The reason why I set up Money Bank is to serve this.

The Ming family didn't have enough money, so I lent him a loan. Although there is a certain amount of interest, there is no need to worry about not being able to pay it back.

Calculate the account, if the Ming family's capital is only 100 crystal coins, and only has the ability to produce 100 knives per day, if it can be sold every day, and each knife earns 0.2 crystal coins, then it earns 20 crystal coins a day.

Now the supermarket wants him to produce 1,000 knives a day, so he can borrow 900 crystals from the money bank and hire ten blacksmiths to produce them in full. Earn 200 crystals, including 100 crystals for labor costs and 5 crystals for interest, and he can net 95 crystals, which is much more than the original 20 crystals.

The same is true for a seller, who sells a knife to earn 0.2 crystals, and if he only has the funds for 500 knives, he can go to the money bank to borrow the missing funds. Then his profit will rise from 100 to 200, and after paying a little interest, the total profit will still rise a lot.

Of course, there are also the kind of goods you said that cannot be sold, resulting in a backlog, which needs to be adjusted. The government needs to do some investigation and control of the market situation, and if there is too much of a certain commodity, it will remind the merchants to produce less, or the money banks will not lend to these producers or lend less. ”

Everyone basically understands, but the officials of various countries may not be able to operate like the Dragon Kingdom, and they may not be willing to let the government bear the risks of the business, so it is difficult to copy.

Tao Yi suddenly sighed: "Yun Gong, if you do this, will other people in the world still have a way to live?" "He started out in a business family and is much more sensitive to certain things.

Yun Fan's real purpose is indeed to make other families have no way to live, not all the big and small merchants or business owners in the world, but mainly for them, the big families who monopolize the economy of Dongzhou.

The reason why I am willing to talk about business in detail today is just to vaccinate the money bank.

If it is said that the Dragon Kingdom exports a large number of its own goods and dumps them in the form of supermarkets, it is a plunder of small and medium-sized businesses in Dongzhou, and the money bank is a sharp weapon specifically aimed at the big family.

According to the above, first of all, the value of small crystal coins was suppressed based on amethyst coins, and gold coins were strongly supported, while the Dragon Kingdom produced a large number of gold coins.

Slowly, they would sell small coins in large quantities and collect amethysts to preserve their value.

Then, using the gold coin as a benchmark, the value of the amethyst is devalued. Slowly compress from one million gold coins to one amethyst, and the final goal is to exchange twenty amethysts for one gold coin.

You can not redeem it, but the electronic charge is gradually becoming public, and the amethyst does not depreciate and is not worth the price. For example, your amethyst can make your home light for a month, but the electricity charged with 20 gold coins can also make you light up for a month, what is the use of keeping it? If you don't change it out quickly, maybe twenty gold coins won't be worth it.

This alone can shrink the wealth of the great family by tens of thousands of times.

After the depreciation of the crystal coin, the value of the gold coin was gradually increased, and small currencies such as silver coins were produced. Now a gold coin and a steamed bun slowly rise to a silver coin, and the market price of a gold coin and a steamed bun is zero.

For 90% of the people in Dongzhou, not only will they not suffer losses, but their wealth will appreciate, because crystal coins are not their necessity, and the content of crystal coins in the wealth they have is not large, and in the process of gradual depreciation of small crystal coins, they can be exchanged for gold coins.

This is a complicated process, and Yunfan can't do it alone. Therefore, Yun Fan ordered Feng Sen, Ming Feng and Jiang He to recruit a large number of people who were not high in martial arts but were very proficient in arithmetic, such as the bookkeepers hired by various commercial banks, and promoted them to form a think tank to provide advice for the operation of the Finance Department and the Money Bank of the Dragon Kingdom. These people are very down-to-earth, they know how to operate, and they can get the maximum benefits, but they are limited to their horizons and may not be able to understand Yun Fan's intentions.

In order not to let the Dongzhou family know too early, Yun Fan had to answer Tao Yi's question, "Tao Gong, it's not as serious as you said.

Niyun Supermarket is indeed ready to expand to all countries in the Eastern Continent. However, in the future, it will not only sell goods from the Dragon Kingdom, but also from merchants from other countries. If you wish, you can also put your products in the supermarket for sale, as long as you reach an agreement with Neivos.

As for the problem of manufacturers, the money bank will not be limited to Longguo manufacturers in the future, other manufacturers can also go to Longguo money bank for loans, as long as they have credit or corresponding collateral items.

Also, I didn't prohibit other people from opening supermarkets and money stores, and I wasn't that domineering, and I didn't have that right, right? ”

Yun Fan doesn't care about competition, competition in the end, what is compared is capital. With the Charging Divine Skill, who can compare crystal coins with the Dragon Country Money Bank.

Zan Yu suddenly said: "Look at the business below, every time you go to the supermarket, the local crystal coins will be collected for you." ”

Yun Fan looked at him vigilantly, and when he set off, Zan Yu said that it was like a war, Yun Fan was worried that Zan Yu, who was super intelligent, would see the problem. However, Zan Yu's next sentence made him very relieved. "With so many coins, you can transport them back to the Dragon Kingdom, and its convoy will be indispensable. Be careful. "Where is the problem, it is completely jealousy, or maybe it is deliberately instigated.

Yun Fan disdainfully disdain, "Say you're stupid, or stupid?" "Finally, there is a chance to hit Zan Yu, how can Yun Fan let it go.

Zan Yu was surprised and pointed to himself, "I... Stupid... Stupid? "I'm not used to the way Yun Fan speaks, shouldn't the before and after 'or' be antonyms?

"yes, it's stupid." Pretended not to know what Zan Yu meant, "Why should I ship it back?" If I really want to transport it all back, Governor Yu will not be happy. ”

Yu Tong was puzzled, "What am I not happy about, do I have the right not to let you take back the money you earn?" ”

Yun Fan explained, "If I take all the coins I collect, and then transport the goods, and then transport the coins, do you still have money in Qianzhou?" It won't be long before you forcibly close my supermarket. ”

Yu Tong slapped his thigh, "Yes, you can't do this." So, it's still the question of Zan Shizi, what about coins? ”

Yun Fan smiled: "First, I will open a money bank here." The coins are all in the money bank.

Second, the Dragon Kingdom also needs a lot of goods, and you can't just enter or leave. All merchants need to purchase raw materials, food, drink and accommodation, so the money will be spent in large quantities.

Don't look at today, the money is flowing into the supermarket, in fact, most of it has to be returned to the local. The merchant only earns the difference, not all the coins you see. ”

As for how much to spend, and then the money bank will spend crystal coins, gold coins or paper credit coupons of the money bank, Yun Fan will not say clearly.

Several people nodded their heads, thinking that this was reasonable.

Yun Fan saw the opportunity and immediately made a request, "Governor Yu, look, a large number of merchants from my Dragon Kingdom come and go here, they want to eat, live, spend, hire people, and purchase raw materials, right." In other words, while doing business, they will greatly promote the local economic development and bring the local people to get rich together. When the people are rich, the government will have more taxes, which is beneficial to both sides.

I'm about to make a request, the safety of the personal and material safety of the merchants of my Dragon Kingdom must be guaranteed by the Qianzhou officials. Only by allowing them to do business with peace of mind can this development be sustainable and long-lasting.

It is conceivable that if thieves are rampant somewhere, where would people dare to do business? You say, don't you? ”

Yu Tong bowed his head, "This request is reasonable, I agreed." In addition to vigorously suppressing bandits, I will issue a decree that anyone who harms the merchants of the Dragon Kingdom or steals their goods for no reason will be severely punished. ”

Yun Fan said: "Then on behalf of the merchants of the Dragon Kingdom, I will thank the governor for his wisdom." ”

Turning to Zan Yu and Tao Yi, "You two, are you willing to develop with us?" ”

Zan Yu didn't hesitate, "Of course, of course." I'm worried you're leaving us behind. ”

Only Tao Yi hesitated and did not answer. After all, he is a veteran in the business field, and he always feels that there is something wrong with it, but he just can't figure it out for a while.

Yun Fan's heart couldn't help but hang, don't be seen by the old guy, once it is broken, his plan will not be so smooth.