Chapter 56 Development and Planning of Lin's Commercial Bank (Seeking Follow-up)

Towards the end of the year, the entire Puquan town was extremely lively.

The temperature also began to gradually decrease, people began to wear thicker clothes, and on the road, many people can be seen wearing red cotton jackets, which makes the New Year taste more abundant.

Since almost all of Puquan bought rice seeds from the Lin family, the residents' financial resources have also increased.

Many civilians have more rice reserves and even surpluses.

Lin's firm has also started a policy of buying back rice.

In this way, the commoners could not only use the money they received to buy seeds again, but also use the surplus money to buy dried fish, bacon and other foods from the Lin family's trading house, or buy festival decorations such as Spring Festival couplets and paper-cutting.

I have to say that the rice seeds developed by Lin Zhenming are no longer mortal seeds because they combine the excellent genes of the spiritual rice cultivated by Lin Yufan.

Otherwise, compared to the previous Puquan Town, in winter, it is not possible to see so much rice still planted on the farmland.

Although rice seeds are not so demanding on the weather, they still do not survive so easily in winter without special means.

Nowadays, the tall rice beams that can be seen everywhere in Puquan Town have changed people's inherent cognition and made the reputation of Puquan Town spread further.

Outsiders say that Puquan Town is the land of rice favored by the immortals, and the land here has immortal power, no matter how cold or hot, what is planted here can get an excellent harvest.

At present, the Lin family only has Hexi rice seeds, an "extraordinary" product.

Just relying on it, Puquan Town has gained a lot of prestige.

Lin Yufan's ambitions certainly don't stop there.

In the poorest towns, rice is only grown, because it is the most basic food, which can solve the problem of food and clothing.

However, the quality of life of the civilians in Puquan Town has improved, and they are obviously not satisfied with just eating rice.

At present, Lin's firm produces and sells its own grain commodities, namely rice, dried fish, eggs, and dried meat.

Among them, rice is the most abundant, and the Lin family itself grows rice, plus the rice repurchased from the common people, this resource is already the main product of the Lin firm's export sales.

In the past few months, there have also been many exchanges between Lin Yufan and the Ouyang patriarch of Fengming Town.

The most significant is the flow of goods between the two trading houses.

The Lin Merchant House would sell surplus rice and dried fish to the Ouyang Merchant House or barter it.

The items of the Ouyang Firm are much more comprehensive than those of the Lin Firm.

This also made Lin Yufan have a lot of ideas, and many of them have already begun to be implemented.

Of course, there are also a lot of gains:

First, the variety of grain and meat products in the commercial houses has increased.

First of all, Lin Yufan recruited many local civilians to grow all kinds of common grain seeds, such as corn and potatoes, on his farmland.

Secondly, after the development of animal husbandry, there was finally more than just fish and meat in the trading houses.

Not only that, Lin Yufan also planted different crops in his back garden, and watered them with rain and dew every day, so that after the products were added, their quality could be improved.

Lin Angtian has experience in hybrid rice, and if he has a high-quality spiritual plant within his family, he may be able to breed seeds for crops other than Hexi rice seeds.

Second, the previous clothes of Lin's firm were all purchased from other firms.

Before the Lin family, there was no cotton cultivation and animal husbandry, so there were no raw materials to make clothes.

However, in recent months, the development of animal husbandry, as well as the cultivation of cotton, has gradually solved this problem.

Moreover, there are tailors and craftsmen in the family, and Lin Yufan has also recruited many female civilians with such experience in the town in the past few months.

His second brother's wife and Qi Qi's grandmother are the current main persons in charge of this piece.

Many people's new clothes in the town were recently bought at Lin's trading house, and Lin Yufan naturally contributed a little ingenuity to clothing design.

Therefore, Lin's firm has finally made progress in the clothing project.

Third, the commercial bank opened the "lending" business.

Lin Yufan issued a "hierarchy system", which is somewhat similar to the credit system.

The more civilians traded with the comptoirs, the higher the "hierarchy" would be.

And the higher the "hierarchy", the more finch gold and finch coins can be borrowed from the Lin Firm.

Lin Yufan's strategy is also to encourage the villagers not to be satisfied with self-sufficiency, and to encourage them to rent more vacant land that the Lin family currently has to spare, and plant more and work more.

On the one hand, it is a mutually beneficial act, and on the other hand, it is also another means to build the reputation of Puquan Town, hoping to attract more people to it.

In short, the current development of the Lin family firm has made Lin Yufan's seventh uncle Lin Angqian too busy, and even the fifth grandfather Lin Zhenbao, who is in charge of the family's finances, has to go to the firm to help.

This is also the reason why Lin Yufan wants to temporarily transfer back some of the core clansmen stationed in the resource area.

Especially a few days ago, he also received an opinion from the head of the Ouyang family:

Go to Fengming Town to open a Lin firm.

It is normal for a large family to open a trading house in another town.

As long as you buy or rent land in that town, you can open any shop you want.

For example, the Ouyang family opened branches in four other towns.

In Fengming Town, there are currently only two commercial banks, namely Ouyang's Commercial Bank and Luo's Commercial Bank.

Feng Ming Luo style is what Ouyang Jinhua said before, a family with a newly promoted Jindan Realm monk.

Since Luo Shi produced a Jindan period monk, Ouyang's firm was obviously suppressed by Luo's firm.

Lin Yufan naturally knew that the Ouyang family's invitation to the Lin family to open a trading house in Fengming Town certainly had the intention of weakening his hostile family trading house.

However, in a certain aspect, in the exchanges between Patriarch Ouyang and Lin Yufan in the past few months, he trusted that the Lin Clan Trading House had this potential.

On the other hand, for Lin Yufan, this is also an opportunity.

Puquan Town has a permanent population of just over 1,000, and most of them are poor.

Moreover, to be honest, many civilians still relied on buying rice seeds from the Lin family firm to live a little better.

Their purchasing power, very low.

But Fengming Town, the largest town in Longpu County, can be regarded as the county center.

As a town that has been developing steadily for many years, the purchasing power of the civilians there will naturally be much stronger than that of Puquan Town.

And the Xiuxian families in other counties will naturally go to the commercial houses in Fengming Town to buy items.

It can be said that as long as the Lin family firm can be done in Fengming Town, it will definitely be able to multiply the Lin family's income.

Therefore, Lin Yufan has made a lot of preliminary preparations in the past few months.

At present, he believes that if he arrives in Fengming Town, the Lin family will have the following specialties that will attract customers:

For immortal cultivators: fire attribute five elements essence; Fire Attribute Spirit Stone; Some of the spiritual weapons created by Lin Niandao; Spirit Peach; Lingmi, Lingyu.

For civilians: Lin's Sunset Rice; Lin's Hexi Rice No. 1; various flavors of dried fish, jerky; a variety of handmade works with ingenuity; Clothes with a more sophisticated appearance.

The most important thing is the paving artifact: calcined limestone at high temperatures, and then cement mixed with sand.

This material is not commonly used in the world of cultivating immortals, at least not in Longpu County, which Lin Yufan did not expect.

More than ten days ago, when Ouyang Jinhua, the patriarch of the Ouyang clan, came to visit Lin Yufan, he also asked if the Lin clan had the power of the earth spirit root, and it took several months to cast spells every day to grind out such a smooth path.

This made Lin Yufan not know how to answer for a while, nodded and shook his head again.

It took several months to grind the cement and pave the road.

It's just that most of the roads are paved by hired civilians, and it barely took a few months to "cast spells"......