If you want to make Xingwangfu rely on it, and let the Zhu family not dare to offend, Zhu Niang's mother and son have to make their business bigger and stronger.

If your strength is not enough, your position will be unstable, even if you undertake Su Xigui's business layout in Anlu...... Su Xigui was an outsider, and even he didn't think about how to compete with local merchants, all he wanted was Xingwangfu's reliance on his sales channels.

What Zhu Hao wants to do is to monopolize the market.

Then Zhu Hao threw off his arms, and with the blessing of Zhu Niang's investment of several hundred taels of silver, he was in full swing.

After more than a month, the harvest is very fruitful.

……

……

The end of the year is approaching.

In the back hall of the Zhu family's manor, a meeting about the family business was being held at this time, and representatives of all the rooms of the Zhu family, except for the three rooms that had been separated, were attended.

It was still Jiang Yonghe who appeared in the long room, and Zhu Wanquan in the fourth room also took the time to come over to listen.

The protagonist of this family meeting is Zhu Wanjian, who is nominally at the helm of the Zhu family's business.

In the eyes of the Zhu family, Zhu Wanjian has been honest recently, and he hasn't gone out to cause trouble, but when he checks the accounts at the end of the year, it's a mess...... It's better to spend a lot of time outside.

Feelings, you have been low-key recently, and you are desperately trying to lose the family's silver!

"Second child, for my mother to let you continue to take care of the family business, do you feel that you are doing this? Last year, the total income of the family's various businesses was more than 1,000 taels, and this year's profit is not even 300 taels? If it weren't for the third daughter-in-law at the beginning of the year who took out 1,200 taels of silver to redeem the family house, the relationship would be over for a year, and the Zhu family would not be able to make ends meet? ”

The old lady was angry.

I was also careless in my heart, thinking that this son had learned to be well-behaved, and I didn't hear that he caused any trouble in Willow Lane, Huajie, nor did he go out to fight with others, let alone have conflicts with the family because of frequent concubines......

As a result, I didn't know until the end of the year that it was not Zhu Wanjian who had changed sex, but was quietly eroding the family's economic lifeline.

Zhu Wanjian said aggrievedly: "Mother, can you blame me for all this?" Why don't you say that the market has been sluggish in the past year, and how many people have gone bankrupt? We have a harvest of 300 taels a year, and I don't know how many people outside envy it. ”

Zhu Wanquan said: "Second brother, the family's income was normal a few years ago, it won't be because the third sister-in-law provided a steady stream of silver to the family, right?" This year, this income is cut off, and all of a sudden......"

"Shut up!"

Of course, Zhu Wanjian didn't like to listen to this kind of talk, and scolded sharply, "You can only open your mouth when you can speak, and you won't close your mouth tightly!" ”

Zhu Jiashi didn't stare at Zhu Wanjian at this time, quickly checked the accounts, pointed to the business column of the Didian and asked: "There are a few warehouses on the edge of Hanshui, and the harvest in the first half of the year is still very good, how can it be calculated at the end of the year, and it actually becomes a loss-making transaction?" ”

Zhu Wanjian said: "Mother, that's why I said that business is not good...... Due to the influence of the Jiangjiang bandits, the land of Huguang is not very peaceful now, and this year the three sides of the northwest have been fighting, and a large number of displaced people have appeared in the Central Plains, and the trade routes have been affected...... No, there are a lot fewer boats passing by Hanshui Wharf, and there are naturally fewer ships and fewer goods.

"And recently, a merchant who runs a shop has appeared out of nowhere at Hanshui Wharf, and he has a big business, and basically robbed our business. If you don't have a business, you have to pay rent, labor, and charter a boat, so you will naturally lose your money, and if you break the ship contract after the year, you should be able to break even! ”

When Zhu Jiashi heard this, he angrily slapped the account book on the table, and with a "snap", Zhu Wanjian, who was concentrating on making up nonsense, was taken aback.

Zhu Jiashi looked at Steward Liu and asked, "Old Liu, what's going on?" ”

Steward Liu said: "That's right, at the end of the year, the second master and the eldest young master each took fifty taels of silver from the account of the collapsed house......

Everyone present was stunned.

It's all an excuse that the business is not good, and it turns out that someone has withdrawn money from the account of the store.

No wonder Jiang Yonghe didn't come out to question it in the long room, because she also has a son who is not angry, and he is a moth in the family like Zhu Wanjian.

Originally, the Zhu family formed a delicate balance, and the most disadvantaged thing in the past was the third room of the Zhu family who worked hard to earn money for the family, but never received fair and just treatment, but now people have separated from the Zhu family through their own efforts and bought back their free body at one time, what can I do?

Now it has become a four-room dumb loss.

However, Zhu Wanquan prepared for the township exam, never contributed to the family's business, ate the family's food in the four rooms, used the family's, and had nowhere to fight.

Zhu Wanjian was exposed by Steward Liu's secret, and he was extremely angry, but he shouted: "A total of 100 handfuls of silver will be withdrawn from the collapsed house, if the year is good, there will be no business...... If you don't believe it, ask the surnamed Liu, see if there is an extra big businessman on the Hanshui River recently? ”

Zhu Jiashi looked at Steward Liu, and Steward Liu bowed his head and replied: "Indeed, as the second master said, there is indeed a big businessman who operates a collapsed house on the ground of Anlu recently, and the origin is extremely mysterious, and there are as many as seven or eight warehouses leased by the riverside. ”

"See, huh?"

Zhu Wanjian suddenly raised his toes again.

Zhu Jiashi frowned: "How can this be?" ”

In the style of an old lady, she is absolutely unwilling to suffer a loss.

How can the Zhu family say that it is also a family of thousands of households in Jinyiwei, and it can still be pressed by a newly emerging businessman? If you don't get back to the field, I'm sorry that the Zhu family has worked hard in Anlu for so many years.

Zhu Wanjian said: "Mother, you are asking the right person, I have inquired, this businessman is not only wealthy, but also very smart. There's a stock there, what's it...... The insurance thing is said to pay two or three percent of the total price of the goods, and the goods can be insured, and the goods fall into the water when they are transported by ship or dock...... What is it called water insurance, full compensation.

"If it is burned in the warehouse, it is called fire insurance, and it will be compensated in full. If you encounter bandits, river pirates, and the goods are robbed, you must also pay compensation. What's more, there is any risk of insect moths and rat bites, but if nothing happens, he will be killed if something happens!

"Otherwise, mother, let's sneak in in the middle of the night, burn down their warehouse, let them pay for everything, and leave Anlu in a gloomy way, do you think this is good?"

In the end, Zhu Wanjian had already begun to use his wonderful brain to give the old lady bad ideas in public.

When the old lady heard this, her face changed sharply: "Bastard thing!" Do you really think of yourself as a thief who kills people and sets fires? This kind of traitor and criminal department, dare to talk nonsense casually? ”

Zhu Wanjian thought that his suggestion was very good, and he was waiting to be praised by the old lady for being quick, but he was stunned on the spot when he heard the words.

The eyes of the people around him are also full of unkindness.

What is the second master of my own family?

There is really no bottom line at all in doing things!

Even if you really think so in your heart, there should always be a doorkeeper on your lips, isn't it good to do things quietly? If you don't tell the ugly thing in public like this, once it spreads, can the Zhu family still have a place in the local area?

The old lady was angry and looked at Steward Liu: "Old Liu, you say!" ”

Steward Liu said, "Yes, old lady." The situation is basically as the second master said, this businessman who does the business of collapsed houses is indeed very good at things, and has a strong background, and has business dealings with the local government and gentry, but ...... The overlap between us and its business is relatively low, and even if a little business leaks out of its fingers, it is enough to ensure that our collapsed house business by the Hanshui River is profitable...... If you set fire because of this, the gain outweighs the loss. ”

Steward Liu was really afraid that the old lady would take her son's suggestion and run to set it on fire.

This is based on Steward Liu's understanding of the mother and son.

Don't look at Zhu Jia's usual face, it seems that people and animals are harmless, but when he uses conspiracy and trickery, he is much stronger than Zhu Wanjian.

Now Zhu Jiashi only asked Zhu Wanjian not to talk nonsense, but he didn't say that he wouldn't do it, so he deliberately emphasized that people have a big business, and we don't have much intersection with their business, after all, the Zhu family only earns a few taels or even a dozen taels of silver in the collapsed house business in a month.

For this little profit, he ran to set fire to other people's warehouses and burn down them......

The risk is not proportional to the return!

Even if the warehouse of this merchant is burned, and the other party really withdraws from the local market, it will not be the turn of the Zhu family to take over the business.

The happiest are the local bigwigs who have been in the business of collapsing houses on the edge of the Han River for decades and have been overwhelmed by their aggressive momentum.

Zhu Jiashi was very unhappy when he heard it, why are you Lao Liu here today to sing about my Zhu family?

Don't give an idea, and pour cold water?

Zhu Jiashi said with a straight face: "What is this businessman's ability to squeeze out the local big businessmen in a short period of time?" It's because of that...... Insurance? ”

"Not exactly."

Steward Liu carefully analyzed, "There is a strong official background behind it, and it is likely that the feudal officials of the Huguangbu political envoy Si Yamen are supporting it, and the yamen at the state and county levels sell their face, and from time to time send the yamen to sweep the idle people near their warehouses, just like the thugs they hired, and the means of doing business are simply unheard of, and the strength is also extremely strong."

"Let's just say that the money shop opened by the Hanshui River, foreign merchants can temporarily store silver there, even if it is a hundred taels of silver...... You can also redeem enough copper coins overnight to trade with local merchants. ”

Zhu Wanjian immediately questioned: "Impossible, right? Where did he get so many copper coins? Could it be that they still make copper plates? ”

Steward Liu said: "I don't know if I make it, at least it is not made locally, and the local small merchants and vendors will go to exchange it if they need to use the silver, and the exchange ratio is quite good, and the money shop itself barely makes any money, and I heard that it also lends money to some small merchants, and the interest is ...... Very low.

"Nowadays, merchants rarely bring a large number of copper coins out to do business, basically bring silver, and when they arrive at Anlu Wharf, they can exchange the silver for copper plates to trade with local merchants, and they can get low-interest loans, and they will naturally store the goods in their warehouses after receiving them, which is a mutually beneficial thing.

"And I heard that many of the big ships running on the river have business dealings with them, and they also let out rumors that they want to buy boats. With such a background and strength, as well as an endless stream of business methods, it is difficult to do a good job.

"Judging from the current situation, it can invest hundreds or thousands of taels at a time to operate the sale of collapsed houses, and it must want to quickly monopolize the local market, with our strength...... It is impossible to compete with it, unless it is to contact all the local businessmen and be consistent with the outside world! ”

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