Chapter 097

In later generations, the most profitable industry is not real estate, nor the Internet, nor new energy, nor oil and natural gas, nor computers and mobile phones, but the banking industry.

Cheng Shijie has seen the statistics of a group of professional institutions in later generations, the world's top 500 enterprises, China has 136 enterprises entered, including 10 banks, and the profits of these ten banks have reached 41.7% of the total profits of China's shortlisted enterprises. As an upstart in China's new energy vehicle industry, BYD's profits in three years can only catch up with the six major banks in one day.

Banks are the most profitable industry, and there is no one, but the problem is that the threshold for private banks is too high, and even if they want to intervene, they have no chance, but in the Ming Dynasty, there were not so many scruples.

But the problem is that the bank is so profitable, but no one can see it.

"The biggest difference between a bank and a bank is that the bank lends other people's money and uses other people's money to make money, while the money bank uses its own money to make money, no matter how much money a person has, it is impossible to have more money than the people in the world!"

Cheng Shijie also figured out Yang Yunniang's concerns, the financial environment at the end of the Ming Dynasty was different from that of later generations, in the era of virtual currency and mathematical currency, money was just a number, whether it was for billionaires or ordinary people, money was placed in the bank, and there would basically be no shrinkage or loss.

But the Ming Dynasty is different, although the Ming Dynasty also has silver tickets, but in daily life, it is mainly copper coins and broken silver, like boxes of silver ingots in film and television dramas, which can only appear in the transaction of bulk materials. Moreover, silver itself is a metal, which is easy to oxidize in a humid environment, and once the silver is oxidized, it will inevitably be lost, which is also the real reason why the money bank charges a storage fee when depositors deposit money.

To give a very simple example, the interest rate on deposits in later generations was generally about 3 percent, and about 6 percent for commercial and housing loans. Different banks have different ups and downs.

In 2021, the daily profit of all banks in China relying on housing loans was 2.2 trillion yuan, and the daily profit of the banking industry was about 8.3 billion yuan.

In all fairness, in ancient times, it was more profitable to open a bank than in later generations, because the interest rate of the money bank in this period, because of the loss of fire consumption, the annual interest rate was three or four hundred, and in later generations, this interest rate was all usury.

As long as you borrow money, there is no possibility that you will not be able to pay it back. In Wang Anshi's reform, the Qingmiao law, with an annual interest rate of 20 percent, is called good governance. If you put it in, you will be scolded out of Xiang.

Cheng Shijie has a special understanding of the money bank and the interest rate of the department, although it is not as exaggerated as 3400 percent in the early years of the Song Dynasty, but there are more than 780 percent, and 30 percent is considered a conscientious bank.

Cheng Shijie just sat down and patiently explained to Yang Yunniang: "What is the deposit for?" Naturally, it is a lending! If you lend the deposits you have absorbed to people who are in urgent need of a large amount of capital turnover, and set the interest rate on the loan ten times higher than the interest on the deposit, you will not make money! ”

Yang Yunniang was stunned and said, "Can you still lend?" ”

"Nonsense, I worked hard to absorb the deposits, naturally for the purpose of lending!!"

Cheng Shijie said: "The food and accommodation of the officers and men of the Ning Navy are all covered by the military department of the Ning Navy, that is, the commander, the soldiers don't spend much money at all, if you propose an annual interest rate of five percent, they will definitely rush to it, and the officers and men of the Ning Navy will continue to store the money in the bank if it is not necessary, you can put the money out, we don't have to be too black-hearted, the annual interest rate of the loan will be 20 percent, even if there is labor cost and fire loss, the net profit will be more than 10 percent." ”

Yang Yunniang finally understood what Cheng Shijie meant, and finally understood, and finally understood that Cheng Shijie was really as reliable as before, and this trick was simply borrowing chickens to lay eggs. Use someone else's chicken to lay eggs for yourself.

Absorb the deposit with a certain amount of interest, and then use it to lend, the loan interest minus the deposit interest, is his profit, this business...... Do it!

It is equivalent to taking other people's money to lend, but the money earned is your own, it is a fool not to do such a business!

Looking at the light in Yang Yunniang's eyes, Cheng Shijie smiled: "Now you figured it out?" ”

Yang Yunniang nodded vigorously and said: "I figured it out, Da Shuai really has the ability to be unpredictable, this business is really done, it is difficult to make money or not, even if Da Shuai is not an official, just by virtue of his ability to do business, it won't take long to become the richest man in Daming!" ”

"The richest man is a fart, and the final fate of the fat pig can only be a knife!"

"But ......"

"But what?"

"However, if we do this, I am afraid that it will arouse the hostility of those money banks, and cut off people's financial routes, just like killing their parents!"

Cheng Shijie smiled disapprerovingly: "If they are not convinced, they can only endure it, if they dare to mess around, is it vegetarian to be a naval officer of the 20,000 Ning?" ”

Yang Yunniang is right to think about it, Cheng Shijie has heavy troops, and now there is no government in southern Liaoning, even if there is an official government, what can it do?

Cheng Shijie, a military general, is not a military general who is at the mercy of civilian officials, he has suffered a little grievance, Ning Haijun directly rebelled, if the government established in southern Liaoning dares to trouble Cheng Shijie in the future, without his order, Youning Navy soldiers will bury those who are officials alive.

"Since you have seen it, you must remember that we are going to snatch meat from the mouth of the money bank, and the interest rate of our Liaonan Bank must be lower than that of the money bank, and we have set the annual interest rate of 5 percent for the deposit profit and 20 percent for the loan. Also, the repayment date should be more lenient than the loan shark, so that both savers and borrowers feel that it is a good deal to deposit money and borrow money from you. ”

"Dashuai, there is one more question!"

"What?"

"What if, what if...... What if they can't pay back the loan, or run away? ”

"Wouldn't you assess the other party's ability to repay the loan beforehand?"

Cheng Shijie looked at Yang Yunniang and said, "You don't want to let a random person be caught on the street and lend money, right?" If you have such thoughts, Ben Shuai can only withdraw the appointment of your bank general manager. ”

Yang Yunniang was a little embarrassed.

"Before you lend, you pre-evaluate his ability to repay the loan and his fixed assets! Make sure he has the ability to repay the loan, and then you lend! In addition, before lending, it is necessary to conduct a detailed assessment of the other party's fixed assets, and if the other party cannot repay the loan when due, he will use his fixed assets to pay off the debt, and the bank will not suffer a loss anyway. Of course, the cost of valuing fixed assets is paid by the other party. ”

Yang Yunniang thought for a while and said, "In this way, the risk will be greatly reduced!" It's just that if the other party borrows a loan, sells the assets under his name, and absconds with the money, what should he do? ”

Cheng Shijie said: "Use the land as a mortgage, collect their land deeds, mortgage houses and shops, no house deeds and land deeds, can not be transferred, if anyone knows that the other party does not have a contract and still trades, this transaction is invalid, Ning Haijun is responsible for helping the bank to forcibly recover!" ”

Cheng Shijie is still a little conscientious, unlike later generations, when the bank lost the depositor's money, the court sentenced the depositor to bear 80% of the responsibility, and the employee's problems were actually borne by the employee personally, and had nothing to do with the bank. This is really a fucking double standard, the enterprise employee has a work accident during work, or human error, and the company bears full responsibility for the loss.

When you get to the bank, it's different, it's really a typical double-standard dog. (I would like to advise you not to believe in private or small private banks, or rural commercial banks restructured from local credit cooperatives, the water in them is very deep, be careful of being deceived)

Jinzhouwei has now become a huge construction site, and it should not be called an ant's nest construction site. There are many places in Jinzhouwei that are not suitable for reclamation of wasteland, so Cheng Shijie zoned the hills and mountainous areas formed by these gravels and stones as industrial land.

In order to build a factory, the small hills in the territory of Jinzhou Wei will be blown up, and the rocks will be used on the spot to become the building materials for the construction of the factory, of course, the trees on the mountain will not be wasted, and they will be cut down in advance, and they can be sent to the wood factory as wood, and the trees that cannot be used as wood will be burned as firewood and burned into charcoal, charcoal is also the main raw material for making gunpowder.

There were more than 100 factories such as carriage factories, iron factories, farm tool factories, tooth powder factories, soap factories, canvas factories, textile factories, brick and tile factories, briquette factories, cast iron stove factories, shoe and socks factories, quilt factories, etc., and began to be built at the same time.

To build factories and build roads, a large amount of steel, cement, lime, bricks, and sand must be used, and a large number of workers must be used, which almost absorbs the surplus labor force of the Ning Navy. The cellar owners, who produce lime and bricks, work two shifts day and night, but they are still too busy.

With Cheng Shijie based in southern Liaoning, more and more surviving people in eastern Liaoning have also crossed the sea, as long as their hands are not afraid of tiredness, their feet are not too far away, they can find a suitable job in southern Liaoning, through work, you can earn food and wages.

Now Liaonan has begun to start construction of factories and produce products at the same time. With the passage of time, the market of the Golden State Acropolis has increased with all kinds of production and living supplies.

However, as the surviving people of Liaodong flocked to southern Liaoning, there were many problems, first of all, the army of the Ning Navy was a singles army, and most of the Tuntian soldiers were singles. Especially with the people of eastern Liaoning flocking to southern Liaoning, the problem of men and women is very serious.

He found Zhou Yandong and ordered Zhou Yandong to strengthen his patrol, and organized night patrols, and immediately took back those who found peeping women.

In the absence of formed military discipline requirements, Cheng Shijie does not want to punish these soldiers for the time being, he can also understand the feelings of these soldiers, even for the professional army in the 21st century, the temptation of women is quite irresistible, this is not a simple order can solve the problem, a set of reasonable systems and systems are needed.

There are some problems that Cheng Shijie can't solve. In the troubled times of the late Ming Dynasty, the cheapest thing was actually human life, of course, when human life was not valuable, dignity was even less valuable. The moral level of people has a supreme upper line, and at the same time, it is outrageously low.

For a bucket of life-saving food, a big girl with yellow flowers will sell it when she says it. As for how they sell and what happens to them, no one cares, just like when Cheng Shijie adopted Cheng Shi, Cheng Hu, Cheng Jingning, and Cheng Anning's four adopted sons and daughters, he actually didn't spend any money.

If Cheng Shijie wants to be a beast, no one cares about the fate of Cheng Jing and Cheng Jing. In the process of buying and selling, there was not even a little compulsion, if Cheng Shijie was willing at that time, he could even adopt hundreds of children without spending a penny.

Not to mention the question of coercion or non-coercion, some people have become accustomed to this kind of indifference, with the ultimate goal of survival. As long as the soldiers of the Ning Navy hold a few steamed buns or buns when they eat, there will be many women who are willing to follow them into the grove, or into a no-man's corner.

In this case, Cheng Shijie must pay attention to this problem and need to properly solve this problem. Once the basket is out of the box on this issue, it's a big problem.

Secondly, there is the issue of hygiene.

Do these Liaodong refugees have any diseases? Are there any infectious diseases? No one will answer this question, because almost all the Liaodong refugees are in a sub-health state. Cheng Shijie didn't want the exiles in Liaodong to spread the disease to his troops, and a plague would spread, not to mention the 20,000 horses of the Ning Navy, or even tens of thousands of people in southern Liaoning, who would die within a few months.

For this reason, Cheng Shijie had to set up two huge bathhouses for men and women in the northern city of Lushun, that is, outside the city of Weiwu, with wooden fences, mud and weeds, in order to avoid hygiene problems, these bathhouses are free-standing wooden barrels, and they also have to be repeatedly disinfected with quicklime and salt.

Take a bath first, cook the clothes of these displaced people directly in a cauldron, sterilize them at high temperature, and put them in the drying room for compulsory drying treatment, and wait for these Liaodong refugees to take a bath and change into their old clothes, and then they can go all the way along the official road, one hundred and twenty miles away, Cheng Shijie has set up four post stations, so that there are eight post stations in Lushun to Gaizhou Acropolis in southern Liaoning.

These eight post stations will not only become the supply points of these Liaodong refugees, but also become the health observation points of these Liaodong refugees.

However, the problem is that these Liaodong refugees are too weak in physical fitness, and they are very reluctant to walk thirty miles every day, so they can only move slowly.

The first post station from the mighty city of Lushun to Jinzhouwei was originally called the beacon station, because the original site was a beacon tower, but in the eyes of the Liaodong refugees, it became a paradise station.

In the Paradise Station, the first meal eaten by the Liaodong refugees was not rich, it can be said to be very simple, that is, the wheat was smashed, put in a pot and cooked together with rice, mung beans and other miscellaneous grains, and there were no cakes and accompaniments, but these Liaodong refugees ate with relish.

Even many Liaodong refugees ate with tears in their eyes, they slept in a house with a fire wall and a fire kang, and no longer had to be frozen in the ice and snow, these people, regardless of men, women and children, all shouted: "Long live Cheng Dashuai!" ”

Especially when Cheng Shijie was inspecting in Jinzhou City, these Liaodong refugees would kowtow to Cheng Shijie, but this scene made Cheng Shijie a little overwhelmed, and he helped this and that and knelt down, and in the end, Cheng Shijie simply didn't help him. With a wry smile and a loud shout, he shouted, "You don't have to be like this. ”

When Song Xiance saw this scene, he shouted excitedly: "The lord's destiny returns!" ”

Cheng Shijie scoffed at Song Xiance's so-called destiny.

The people of ancient China, the people of later generations are more simple, and easier to satisfy, Cheng Shijie gave them a bite to eat, they were moved to tears, Cheng Shijie gave them a nest that could block the wind and snow, and there was a stove to keep warm, in their hearts, Cheng Shijie is a saint.

Since Lin Xuzong followed Chen Guodong to the Ning Navy, he originally wanted to take refuge in Cheng Shijie, but after learning that Cheng Shijie's Ning Navy and Chen Guodong did not get the authorization of Futai Sun Yuanhua, they launched a mutiny, because Zhang Shigang, the little steward of the Zhang clan in Laiyang, kidnapped Cheng Shijie.

Lin Xuzong was like being in an ice cellar, he thought that the Laiyang Zhang family was finished, but the problem was that the Laiyang Zhang family had not completely cut off the incense, and there was also a deputy envoy Zhang Sicheng outside when he was the deputy envoy of the Shanxi Provincial Prosecutor, and the envoy was the highest judicial magistrate of a province, equivalent to the president of the Provincial High Court and one of the three divisions in later generations.

As long as Zhang Sicheng, the deputy envoy of Shanxi's judge, does not die, the Laiyang Zhang family will turn around if it is not good, so he is as smart as Lin Xuzong has never taken refuge in Cheng Shijie.

But the problem is that this time his judgment was wrong again, Ning Haijun actually reached a reconciliation with Sun Yuanhua, and at the same time, the crime of exterminating the Laiyang Zhang clan was actually placed on Kong Youde's head, and what is even more strange is that Zhang Sicheng, the deputy envoy of Shanxi Judicial Division, actually carried the black pot of anti-Kong Youde.

At this time, Lin Xuzong found that Cheng Shijie seemed to be on a rocket and flew straight into the sky, not only becoming a general soldier without a product, but also a general and the governor of Zuo.

Sure enough, it is the one who steals the hook, and the one who steals the country.

Seeing hundreds of people kowtowing to Cheng Shijie, Lin Xuzong found an excellent opportunity, he tidied up his clothes, and said proudly to Cheng Shijie: "General Cheng, since Lin Mou was admitted to the Xiucai fame and had the treatment of not kneeling when he saw officials, Lin Mou has not knelt down to anyone. Today's exception is not because General Cheng has the merit of Pingkong Youde rebellion, nor because General Cheng has killed hundreds of Jiannu, but because General Cheng has saved these innocent Li people. ”

Cheng Shijie said lightly: "Ben Shuai also can't bear it for a while, living people, like animals, drive and kill, I really can't bear to see it, so I made a rash move." ”

"If you have this idea for a general, you can be among the famous generals...... General Cheng can be squeezed into the ranks of famous generals! ”

Cheng Shijie naturally knew that this Lin Xuzong was patting his ass, but the problem was that people like to listen to good words, and Cheng Shijie was naturally no exception.

"Cultured people just don't change. The sycophants are so dusty.

His eyes couldn't help but fall on Ma Shilin beside him, and now Ma Shilin has an opponent from now on.

Cheng Shijie thought that this Lin Xuzong was just these two moments, but he didn't expect that Lin Xuzong continued: "General Cheng has a magnificent heart, elegant and elegant, and he is really a dragon and phoenix among people, although he is condescended to the position of the border today, he will inevitably be the pillar stone of the temple in the future, and in the phoenix pool, there should be a place for General Cheng......"

"It's over!"

Cheng Shijie said with a smile: "In the more than 270 years since the founding of the Ming Dynasty, where have there been martial artists in the cabinet?" At this time, it is no longer that time, if it is in the Han and Tang dynasties, it is possible to enter and exit the generals, but unfortunately, the Ming Dynasty can no longer tolerate martial artists! ”

"General Cheng is modest!"

Lin Xuzong said: "General Cheng is really extraordinary, no wonder Chu Yang Gong has a clear eye to pull out the general under the corridor, it is Lin, who met for the first time recently, but he was also impressed by General Cheng, I didn't expect that in the army, there are also such characters as General Cheng, Lin is proud of his talent, but he underestimated the heroes of the world......"

"Haha!"

Cheng Shijie is not complacent, he does not think that he has the "spirit of a king", and he does not have the ability to bow down when the heroes of the world see him.

"Cheng was born ......"

"General Cheng, there is a way that heroes don't ask about their origins, otherwise the generations of Han Gaozu Liu Jinu, aren't they all lies?"

Cheng Shijie narrowed his eyes and stared at the Lin Xuzong in front of him.

With Song Xiance by his side, now Lin Xuzong's words are already a little rebellious, can he say that he has the physique to attract anti-thieves?

Just then, there was a commotion ahead.

Cheng Shijie followed the prestige, only to see a strange army appear on the official road, dressed in tatters, everyone was skinny and skinny, and the weapon in his hand was only a wooden stick.

Huang Long, the commander-in-chief of the Dongjiang Army, moved very quickly, but the problem was that the mobilization of 24,000 men and horses was not an easy task, even if he had the transportation of naval warships, it was still difficult and stressful.

But the problem is that Huang Long himself has no time to waste, because he really has no food, and in difficult situations, his head will inevitably be opened.

Huang Long issued a mobilization order for the Dongjiang Army in Lushun, and as a battalion of soldiers gathered, he sent 3,000 men and horses to the Jinzhou Acropolis at a very fast speed along the advance road of the Liaodong refugees.

Originally, Cheng Shijie wanted Huang Long to send the team directly to Gaizhouwei, and after landing from Gaizhouwei, after changing clothes, he could go to the front line of Stone Castle.

"Did you all come empty-handed?"

Cheng Shijie saw that the general who led the troops was actually Mao Wenlong's adopted son Mao Chenglu, and he was faintly displeased.

Mao Chenglu hurriedly explained: "Cheng Shuai, I can't wait, the Dongjiang Army is too poor......

Cheng Shijie pointed to the Dongjiang Army soldiers under Mao Chenglu and said, "Your weapons are too bad!" With this kind of spear, you can't pierce the iron armor of the Jiannu white armor soldiers! ”

PS: I finally wrote it out today, and now Lao Cheng's brain is in a state of downtime, and since last night, he has slept for less than three hours, which is too sleepy. As the so-called hemp rope is broken in detail, bad luck is looking for miserable people. Lao Cheng has been in the hospital for the past few days. Lao Cheng's father has been diagnosed with lung cancer, and the situation is very unoptimistic. Today, an author friend came to visit my father, and he asked me, "How can you still update it?" Is there any other way for Lao Cheng? No, now that Lao Cheng has taken a leave of absence, his salary is basically out of money, so he can only write a book, but this book is ...... I also know that it is difficult for everyone, masks for three years, no one is easy, however, Lao Cheng still wants to ask everyone to help, the link to the water drop chip has been sent to the book group, not to call on everyone to engage in fundraising, I hope everyone can lend a hand if they can, if you can, prove it to Lao Cheng, forward their respective circle of friends, spread it, I believe that there is still love in this world, and there are many good people. In addition, this text has been changed after it has been published, and the number of paid words will not be counted.

(End of chapter)