56 underwriting

"Give me the shop?"

Once again, the rich man Bahá examined his old friend from head to toe, and yes, between them, it can almost be described as a "friend", that is, if old Jacob had been robbed by the infidels yesterday, and his shop had been burned down, and he had been penniless, and had come to him to borrow money, he would have lent him the capital to make a comeback.

Moreover, there is no need for a penny of collateral.

This is not because Bahá is merciful.

Bahá had been a loan shark all his life, and if he didn't know how to extract oil and water from desperate people, he would have quit the business long ago.

However, the interest rate of the loan depends on the object.

Mao said in the "Investigation of the Search for Wu" that he found that the interest rate of usury on the market was different, and that a poor man borrowed three or five yuan from rich peasants, and the interest rate was almost double that of those rich peasants, and the poor borrowed money with the interest of five or one, while the rich middle peasants borrowed money with the interest of plus three.

Why is there such a difference? Could it be that when the rich peasants saw that the other party was a rich peasant, they took extra care?

In fact, this is because of the risk of lending.

Rich peasants borrow money, usually a few hundred yuan in one go, and use it to do business, and there is a great hope that they can pay off their debts, and they have a farm house as collateral, so the creditor is not afraid that he will not be able to recover the capital when the time comes, so he can rest assured that he will lend it and sit at home, waiting for the interest of 100 yuan to fall from the sky.

To put it bluntly, it is a consumer loan rather than a business loan, and there is nothing to use as collateral, even if it is to add five or one interest, it is to collect it, and it is only three or five yuan of interest, and there is a risk of losing capital, so not everyone is willing to do this

Business.

Supply and demand, determine the price.

Because the poor peasants do not have the economic strength to repay their debts, the interest rate on loans to the poor peasants naturally rises.

What is even more terrible than borrowing usury is that there is no one to borrow at all.

But Baha knew old Jacob very well, and he had almost seen with his own eyes how old Jacob had succeeded step by step, and he knew that old Jacob was a man who knew how to do business, and lent him money as if he were doing business himself.

Old Jacob told him that he had found a way to become a merchant and needed a fortune urgently.

Baha understood, and asked for the money to be given to him, and at the same time he was secretly curious about what kind of business old Jacob had found.

Old Jacob brought the money to the Baroness, and when the devil saw that someone had given him money so sincerely, he reluctantly accepted it, and told him with a sad face that there were still many goods, and that if he could buy two thousand copies at a time, he could get nine and a half discounts.

This amount of money may not be much in the eyes of the rich man Baha, but in front of old Jacob, who has the heart of a capitalist, it is simply a sin not to stretch out his hand.

Anyway, the shop had already been mortgaged, so he went into battle with his whole family, divided into several routes, and sold everywhere.

In order to be able to sell, he also developed categories such as paper cutting, origami, paper flowers, accounting paper, etc...... Target all walks of life and people.

"Why do you want to make money for him?" Shepp still didn't understand, and he thought that it was more cost-effective for the baroness to sell to anyone than to this black-hearted old ghost.

He was also angry about being pressed by the other party for that bargaining.

"You don't need to understand." Luo Yi said that the price sold by the other party must be much higher than that of two silver coins, otherwise he would never agree to this price, and he would do everything he could, and he would not buy and sell at a loss.

Producers must leave retailers with enough profits.

Otherwise, what do they do not sell for anything else?

Even in the same store, in the most conspicuous position, the clerk who sells the most vigorously and the fastest is definitely the product with the highest gross profit.

Of course, Luo Yi could sell it to Old Jacob for two silver coins a piece, and then Old Jacob might sell it for three silver coins, maybe four silver coins, or five silver coins a piece, but under that profit rate, Old Jacob would only run to the nearby monastery for her at most.

He would sell dozens of sheets of paper and go about his business.

will never stop his shop and the business he has been doing, from occasionally doing odd jobs to running all over the country with his family, lying in bed at night, still thinking about how to sell, still working for the devil in his dreams.

And she needs old Jacob's whole family to fight for her.

Because her workshop can produce 1,600 sheets of paper a day.

There was no group of people who worked hard for her to sell, and most of the paper that cost her money to build a workshop, money to train workers, and money to prepare raw materials could only be left for her to wipe PP.

Yes, she needs a group of people to do her best, because in these days, it is true that you are risking your life to be a running merchant outside.

She had already inquired about the background of old Jacob in advance, and a person who had a net worth and could risk running around for small profits was the kind of trading partner she was looking for.

Thousands of troops are easy to obtain, but one general is hard to find.

So, it's okay to discount it.

Anyway...... She made 1,600 pieces of paper a day, sold them at a discount, and sold them to Jacob Sr. for 300 silver coins, which cost only three silver coins......

At the end of the summer, the Jacobs moved to Brad Territory.