The four brothers knew how deep the background of Xiaqiu Village was, and the large piece of land that their father had rewarded, and the people next to them did not have enough manpower to cultivate the land.

Xiaqiu Village has always cultivated medicinal herbs, cultivated seeds, planted pasture grass to improve livestock and poultry breeds.

All the other industrial technologies were given to Daming, and the village did not leave any money for itself, and when the cash flow was abundant, they all made investments with a long payback period.

For example, the village itself paid for the construction of the shore road from the Huangchi River to Danyang Lake, and helped Shijiu Lake expand the economic forest and cultivated land for planting and soil conservation.

According to the model of Xiaqiu Village, it takes 30 years for an investment to completely return to its original cost, and no businessman will learn to do it.

This return on capital is not how much money is invested, including inflationary currency depreciation and normal borrowing profits, which is compounded.

For example, for 30 years, the currency depreciates by one percent every year, and the interest on the money borrowed is five percent per month, not three cents.

At first, it was stipulated that the monthly interest should not exceed three points, but later the master of Xiaqiu Village sent the question book, and the money was very low.

That is, the interest on the 'voluntarily borrowed' money from the gold and silver shops in the imperial court is given 5% a month and 6% a year.

Xiaqiu Village calculates the 30-year investment and reporting cycle in this way, that is, in terms of currency depreciation, 1 percent per year for 30 years, is 74 percent, and an additional 26 percent is needed.

In 30 years, 10,000 guan has become 12,600 guan, there is a fluctuation, and the sudden depreciation is great, and then the loss must be made up.

There is no compound interest in one year, and there is compound interest between years, that is, 5.7435 times.

This multiple is then multiplied by the multiple of the currency depreciation to get the data of 7.6123.

That is, if you invest 10,000 yuan this year, there should be 76,123 yuan in 30 years.

Money is deducted from all costs, including labor costs, maintenance costs, depreciation costs, tax costs, working capital occupancy costs, and non-recurring profit and loss costs......

Take a closer look at it like this, the profit is not a lot at all, including all possible impairment situations, after the accrual, the profit of 7.6123 times in 30 years is the return ratio of Xiaqiu Village.

Normally, it's not calculated like this, but if that's the case, everyone is playing this, who is still engaged in finance?

Xiaqiu Village just calculates according to the calculation, and it makes people feel that they have suffered a loss, with the ability of Xiaqiu Village, it will take thirty years to earn more than seven times?

Everyone thinks about their own things, but Zhu Wentian's idea is simple, thirty years is more than seven times normal, and Xiaqiu Village has not taken the slightest advantage.

Because the next few years will be a period of technological and economic explosion, Xiaqiu Village has chosen not to promote inflation, but to serve the country and the people.

It is only for this investment, and does not represent the investment of all Xiaqiu villages.

As with government bonds, it depends on whether it is fixed or floating, the degree of inflation and the way interest is paid.

The fixed interest rate is 6% per year, and the interest is paid semi-annually, so after 30 years, it is definitely not 6% of the whole.

The interest paid in half a year can be reinvested, and the interest is rolled over the interest model.

Or it is a fixed interest rate of 6% when you buy it, and this treasury bond can be mortgaged, a fixed-rate loan, and the interest rate is 8%.

As soon as the pledged money arrived, it immediately encountered a inflationary market, and in order to cope with the inflation, the reserve ratio was raised.

Banks have had to raise interest rates on deposits to stabilize reserves, while adjusting interest rates on floating lending.

When it reaches 10 percent, the mortgage money is deposited, so that the interest on the fixed treasury bond is guaranteed to be 6 percent, and the profit is two percentage points more.

The main thing is whether it is fixed or floating, and the relationship between the degree of depreciation of the currency and whether it has purchased anti-inflation.

It's cumbersome to calculate, but as long as there are rules, it can be calculated.

Zhu Wentian's calculation is more than seven times the return of 30 years of risk avoidance, which is for the Ming Dynasty to see.

This investment is not the investment of all the money in Xiaqiu Village, but a part of the investment of each shop and the factory behind it.

Next, Zhu Wentian plans to let all the independent shops in Xiaqiu Village cross-hold each other, and two by two and two with two-three, three-four, four-five......

and so on, and the new economic entity after the merger is again cross-shareholding with other economic entities.

This is followed by the cross-shareholding of each of the original stores and each business entity, and even the establishment of new economic business entities.

Different companies, subsidiaries of different companies, different grandchildren, independent, non-independent......

Mutual cross-shareholding, mutual guarantees, related party transactions, capital lending, and capital VAM......

The purpose of this was not to embarrass the heads of the imperial court, but to teach them how to sort out the relationship in this regard.

At that time, there are businessmen who think they are smart and go to great lengths to get a cross-shareholding to avoid tax audits.

As a result, when I met the household auditors who had been tortured by Xiaqiu Village to the point of madness, the people in the household department would sneer: That's it? Do you need me to teach you well? Hey, hey, hey......

……

"It seems that it is not easy to find food from the river, and the tools of the fishing industry are too backward for many fishermen to catch them."

Zhu Li talked about the advantages of technology and the fishermen who did not have this kind of industrial technology and could only rely on their own experience and skills.

The team came to Fenshui, where the small steam engine boat was trawling to catch fish, in preparation for noon and evening today.

There are also fishermen, fishermen row small wooden boats, and then throw spinning nets, hemp rope weaving, there is a lead sinker underneath, and a scatter is a big circle.

The spinning net has a characteristic that it will leak fish, and it must be ensured that the fish is within the range of the net before the plumb sinker closes.

If the fish is too big, the net will not be able to be brought up, and when it is retracted, the fish will fall.

The spinning net is a drag-and-pull net, and there is a possibility of leakage at the mouth of the net before and after it is closed.

Small steam-engine ships are not, they are nets, and as long as the fish are larger than the mesh, they are all rounded.

The net is not thrown out casually, it needs to be seen by the current, the shaking of the river surface and the shadows in the river under the sun, the air pressure, and the underwater situation.

Generally, at the junction of shallow water and deep water, there are many fish, and when the current washes down, it will rush downward, and then there is more oxygen, and the fish will run there to breathe.

The air pressure is low, the fish is close to the water surface, the air pressure is normal, the sun is enough, the fish sinks, and the person who throws the net must understand.

Fishermen live by throwing nets with experience and skill, and steam engine trawling is unreasonable, just turn back and forth.

"So let's eat smoked fish flatbread at noon today, it's similar to the bacon flatbread we eat at home, right?"

The fifth Zhu Hu's mind was not on the people's livelihood at all, he was thinking about what to eat for the next meal.

If there is a shortage of meat in fried noodles, the people need to supplement the meat, and the purchase of other meat in large quantities will make the local meat price rise.

Only eating fish is the most convenient, there are many fish in the current season, what grass carp, carp, bighead carp can be smoked.

The head of bighead carp can not be smoked, it has a big head, eat the fish head alone, sweat a lot in hot weather, need to supplement salt, then stew in sauce, otherwise steam, put tempeh to steam.

(End of chapter)