There are many troubles involved in buying and selling land.

First of all, land and real estate contracts are divided into white deeds and red deeds, the so-called white deeds are the contracts signed by the people themselves when the ownership is transferred, and the red deeds are the deeds filed by the government.

Because the red deed has to pay taxes to the government, the white deed that does not cost money is still quite common, but the rich still try to sign the red deed in order to avoid trouble.

Zhao Dagui thought about it for a while, and then ordered all the land to sign a white deed first, and then sign a red deed when the number was sufficient, which was more conducive to secrecy.

In addition, the field is also divided into field bones and field skins, which roughly means that the field bones are ownership, and the field skin is the right to tenant, of which the tenant right is also divided into temporary tenant rights and permanent tenant rights.

Generally speaking, the ownership rights owned by the landlord are respected, but sometimes the tenants are more powerful, and the proportion of tenants who arbitrarily reduce the tenant rent and infringe on the landlord's ownership is not very low.

There are so many regulations and traps in this, you can pit people if you are not careful, Zhao Dagui inquired with the shopkeepers, and decided to collect the land ownership first, and then slowly recover the tenant rights.

In short, when buying land, it is necessary to keep it confidential first, and secondly, to ensure sufficient quantity, and then to consider the control of land costs.

Zhao Dagui's plan was to master more than eighty percent of the land in the concessions of Britain, France, and the United States before 1850, and the land along the river bank where wharves and warehouses could be built should be more important, so it didn't matter if he spent a little more money for this.

Because Gong Mujiu gritted his teeth and did not allow foreigners to buy land directly, and did not let the people of the yamen go through the relevant procedures at all, those powerful foreign firms only rented land at a high price, and they seriously lacked interest in land.

If in another year or two, or even half a year, the peasants who control the land will react and directly raise the 30-year lease price in the concession area to more than 300 taels, and it will be difficult to regain the land at that time.

However, Zhao Dagui naturally bought land not only to make money, in fact, before 1848, there were more than 800 acres of land in the British Concession, and other concessions had not yet appeared, that is, all the more than 800 acres of land were taken at an average price of less than 10 yuan, and then leased at a price of 300 taels per mu (30 years), and the money earned was only 3560,000 yuan.

For a rookie traverser who has just crossed, this amount of money may be huge, but it is just a drizzle for the wealthy Zhao Daguan.

Therefore, what Zhao Dagui really values is the power and influence behind the purchase of land--- the first part of controlling the business world of the magic capital lies in the purchase of these lands.

The purchase of these lands requires dealing with local dental firms and intermediaries who specialize in representing the land, and it is also necessary to set up a special department head in the commercial house to take care of these matters secretly.

When everyone discussed, the shopkeeper Chen recommended a candidate, this person's surname is Bai Siyuan, but he is not a businessman, but a master from Shaoxing, and has been a master for county-level officials many times, including the two Modu magistrates.

This person is very familiar with the routines of officialdom, and he is also reliable, and it should be very suitable to invite someone like him for such things as buying land, Zhao Dagui nodded, and said to the shopkeeper Chen to find time to make an appointment for an interview before deciding.

After the matter of land sale is decided, it is necessary to discuss the opening of branches in other places.

Dagui Commercial Bank is no longer going to Suzhou to do business, but it does not mean that it will not do foreign goods business in the future, let alone that it cannot go to Huzhou, Hangzhou and other places to get goods.

Going to Huzhou and Hangzhou to get goods such as silk tea may be more difficult and risky than going to Suzhou, but the profits in the middle will be much more.

As far as raw silk is concerned, because Suzhou is the terminal market, coupled with the competition of the previous foreign compradors, the average price of silk per package has risen to an astonishing 300 yuan, which makes the Dagui firm complain, just because there is no other source of goods, they can only take the goods at this price and fight a price war with other merchants.

In the future, it is still in Huzhou, Jiaxing, Hangzhou and other raw silk producing areas to set up branches, directly at the lowest price, the most cost-effective.

In terms of tea, considering that the favorite Longjing tea production area of the British is in the West Lake Basin of Hangzhou, it is much more cost-effective to get goods in Hangzhou and other places than in Suzhou.

It just so happens that now Dagui Commercial Bank has a large amount of cash, but the compradors of other foreign banks have to fight fiercely in the magic capital and Suzhou, and they have no energy to operate in other places for a while, even if they want to follow the trend, they can't do it, and it is a good time for Zhao Dagui to expand the scope of business.

When the tide of bankruptcy appeared more than a year later, it was the time for Dagui Commercial Bank to make a magnificent return, Zhao Dagui thought to himself.

However, to open branches in Huzhou, Jiaxing and Hangzhou in northern Zhejiang, it is necessary to purchase land and real estate, deal with officialdom, and send reliable people to sit in the town, and the initial investment is relatively large, so Zhao Dagui did not dare to do this before.

Now it's a different story, and the shopkeepers are very interested in going out and taking control of a business independently, and they are all gearing up to take advantage of the opportunity to get a good position.

Zhao Dagui has hired a large number of shopkeepers and men in the past few months, and now he has opened branches in various places, and the number of personnel is far from enough, and he must continue to recruit a large number of people.

After discussing the two things of buying land and opening a branch, the remaining things are some more detailed issues, but they cannot be said to be unimportant.

First of all, in the future, you can no longer do trade in goods, or go back to cash trade, that is, all goods must be delivered in cash, and it is best not to take credit.

Other commercial banks such as Yisheng Bank are still promoting trade in goods, and changing the business model at this time, coupled with the sequelae of the business transfer in Suzhou, will inevitably lead to a sharp decline in the business volume of Dagui Commercial Bank in the short term, and even the previous two CDs may not be guaranteed.

However, Zhao Dagui made up his mind at this time, that is, if he didn't make money, he couldn't lose money, minimize inventory and credit, and the foreign cloth in it could not be pressed.

The shopkeepers complained about this, and felt that the owner was a little inexplicable, but in the end they were strongly suppressed by Zhao Dagui.

"When we go to Huzhou and other silk tea producing areas to get the goods directly, the purchase price will inevitably be lower, that is, the total amount of business will be reduced, and the profit will not be low.

Doing business cannot blindly rush forward, we must control inventory and grasp cash flow. Zhao Dagui said toughly, and the shopkeepers hesitated for a moment, and finally had to accept it.

In addition, taking advantage of the current lack of business, it is necessary to carry out a number of reforms to the internal system of the Daigui Commercial Bank.

The real development of Dagui Commercial Bank is only a matter of this half a year, and all kinds of rules and regulations are extremely lacking, and it has only been developed with a cover of profits that have covered up many defects and problems, and it is necessary to standardize them at this time.