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Volume 7: Laughing and Talking about Drinking the Blood of Huns Chapter 13: Financial Management

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    Update time: 2010-04-10

    In the early morning of the next day, Chen De had just finished washing and had not had time to do morning exercises. Zhang Zhongyao came to see him. Seeing that there were bloodshot eyes on his eyes, it was obvious that he had stayed up all night with the Jinling merchants last night. Chen De couldn't help feeling a little apologetic and asked him to sit down.  , scolded: "You will have to take on big responsibilities in the future, how can you not care about your body so much." He ordered the servant to take away the hot tea and bring up the cooked meat porridge.

    Zhang Zhongyao cupped his hands and said: "Thank you for your concern, my lord. This is the terms of the business gang that I discussed with Gou Luo'an, Han Shang and other Jinling merchants last night. Fortunately, I have lived up to my destiny." After saying this, he put a stack of written papers in his arms full of handwriting.  Hand over the blank paper.  Chen De took it and looked at it carefully word for word. The general gist was no different from the modern corporate governance structure explained by him and Zhang Zhongyao, except that a lot of business practices at that time were added.

    In order to avoid attracting public attention, the merchant gang gave up the name "Floating Sea Traders" and claimed that it was engaged in the business of buying ships to go to sea. In order to cover up others' eyes, the Korean merchants planned to convert several ships in their hands into equity and invest them in the Jiangnan Chamber of Commerce.  Trafficking rice and gems between Siam River and Champa.  These merchants originally prepared a large amount of cash to return to Chen De. Now that there is a better opportunity, almost all of them have invested in it. A total of 500,000 guan was quoted for the stock shares and more than 500,000 guan for the penny stocks.  There are also more than 300,000 yuan of bond coupons. The Jiangnan Chamber of Commerce also calls them floating bonds, mirage bonds and bond coupons. Merchants also said that they will ask relatives and friends after returning to see if anyone else is willing to invest money in this.  It looks like a very profitable business.  In general, An Xijun's shares accounted for the majority of the shares in Fuhaixing, and the profit sharing also accounted for the majority. Chen De was still very satisfied with this point.

    Chen De carefully read the articles of association of the merchant gang and listened to Zhang Zhongyao's report of the chamber of commerce's plan. He smiled bitterly in his heart. According to the rules of future securities laws, Fu Haixing could be considered a false statement. Fortunately, it was not a publicly offered company.  My original intention was not to take away other people's equity. Looking at the whole world, no one dared to arrest me and go to jail.  It can be expected that with the Anxi Army controlling the east-west trade routes, the profit returns from the floating sea coupons with no cap on the annual profit distribution will be astonishing, and the price of the floating sea coupons will also rise by then.  As long as they obtain extremely high profits for two or three consecutive years, these businessmen are not fools and will definitely invest more.

    Judging from the extremely low return on capital in all walks of life in this era, the price of one share at that time will not be consistent, but will likely reach a high price of dozens of dollars. By then, not only will more capital be raised, Anxi  The value of the more than 4 million yuan of shares originally held by Jun has increased to hundreds of millions of yuan.  Whether it is cashing out or sitting on huge profits, the finances of the Anxi Military Government are reliably guaranteed to ensure the financial support needed to develop the Western Region in the future and even expand reclamation further west. Through an organization like Fuhaixing, the Central Plains has been  The financial resources accumulated among the people can be transformed into the desire and strength to expand outward.  The powerful war strength of the Anxi Army, which Chen De worked so hard to manage, can also be realized into generous income and provide good treatment for the sergeants.

    "Well done." Chen De smiled at Zhang Zhongyao, "I wonder if the wealth accumulated by the merchants in the Central Plains for generations can be leveraged in one fell swoop. The more people are sharing the benefits of the industry and commerce that connects the east and west, the more people are sharing the profits.  The more protection there is." He thought to himself, if the savings of the imperial bureaucracy were also involved in the holding of Fuhai Sanguan, and the imperial court wanted to send troops to Hexi, there would probably be many opponents.  It is in the interests of the Zhao family to cut down the vassal vassal, and those who serve as ministers only want to enrich the eunuch's pockets.

    Zhang Zhongyao lived in Dunhuang, which was a gathering place for merchants from the East and West. He was also very knowledgeable about the ways of doing business. He was full of admiration when he took the regulations of the floating sea voyage: "In this way, merchants are happy to do business, and warriors are happy to do it.  War, my army's advance into the Western Region will be unfavorable." He paused, smiled, and then bowed and said: "Among these merchants from the south of the Yangtze River, there is a man named Qingchi who asked for an interview, saying that he has managed the country's finances.  I want to present my wonderful method to my lord." Chen De said with a smile: "Don't laugh at the fact that there is no one in the country, and the virtuous pillars are abandoned in the wild. In the afternoon, you can use the excuse that my wife wants to buy brocade and bring him to the mansion to see him."

    In the afternoon, Chen De summoned Qingchi in the study room of Guanyi.  Chen De had no impression of this person. Zhang Zhongyao introduced in advance that he was not a scholar but a businessman. Unexpectedly, he had some talent. Within a few years, he managed several warehouses and inns very prosperously and even chartered  He did a lot of business with the new Imperial Guards stationed in the south of the Yangtze River, and was considered a rising star among Jinling merchants.

    When Chen De saw Qingchi, he felt that he had an ordinary face, simple clothes, thick lips, but his eyes were very erratic, more like a bookkeeper.  When Qingchi saw Chen De, he was a little cautious. He calmed down some of his excitement and bowed respectfully: "My subordinate Qingchi is here to see you, sir. Qingchi originally thought that he was quite talented in business. Yesterday, he heard that you were planning to build a business."  The merchant gang, after swallowing up the east-west trade route, realized that they had been arrogant in the past and looked at the sky from a well. They were like pearls of rice, how could they compete with the bright moon. They were willing to follow their tails and do the work of dogs and horses for you."

    Chen De waved his hand to tell him not to"I heard from Zhong Yao that you have a way to make money that you want to dedicate to me. Can you tell me about it?"

    When it came to money, this originally ordinary Qingchi seemed to be lit up with a lamp, and his whole face showed a layer of excitement. He nodded, cupped his hands and said, "I'm thinking, my subordinates.  Your Excellency has great ambitions, so the bigger the financial support, the better. If Qingchi is not talented, there is a small financial management method that can relieve your worries."

    Seeing that he became interested when he talked about financial management, Chen De smiled and said, "What's the magic trick?"

    Qingchi raised his head and said, "I wonder if your Excellency understands the method of bidding?"

    Chen De smiled and replied: "I know." He knew that most of these capable people had some pretentious tendencies, so he patiently cooperated with Qingchi to show off his knowledge.

    Qingchi said: "This is easy to explain. My financial management method is that if you take over the cities in the Western Region in the future, you can divide the land, shops and houses in the city into several areas, but do not sell them to others. Only the merchants in the city can  The common people bid for it, and merchants from other places were not limited to participate, or even I, Fuhai Bank, participated in the bidding, driving up the price of the land and houses. Decades later, cities in the Western Regions accumulated some wealth from trade routes.  The military government can use the excuse that the buildings are old, demolish them in sections in the city, and compensate the residents according to a fixed amount. When the new buildings are finally sold, they still let businessmen and people bid for them and raise the prices. In this way, there is no need  By other means, all the wealth of the people in the cities in the Western Region will belong to you."

    Chen De was horrified. He kept a calm expression on his face and pretended to be confused: "If other people saw that the land store was bidding at a high price, they would sell it at a reduced price, lowering the price, or even deliberately raising the price to sell it. How could they be different from me?"  How to deal with the competition for profit?¡±

    Since Qingchi dared to come to him to offer advice, he had a backup plan and said with a smile: "This is not difficult. All we need to do is to prohibit people from buying and selling land and houses privately. Is it the king's land in the world? Also, if the people build houses without authorization,  The person who owns the house must be punished severely, so as not to make a huge profit." He came to meet Chen De to seek an official position, and when he said "severely punished, not loaned", he also had some official aura on his face.

    The more Qingchi talked, the more proud he became, and said with a smile: "Guanzi said, if one hole is opened, the country will be invincible; if two holes are opened, the army will be half-defeated; if three holes are opened, the army cannot be raised; if four holes are opened, the army will be invincible.  The country will perish. The former kings knew this, so they blocked the envy of the people and narrowed their interests. Therefore, it is up to the king to give and take away. The poor is on the king and the rich is on the king. Therefore, the people wear their clothes like the sun and the moon.  , Be as close to you as your parents."

    Qingchi dropped his book bag and glanced sideways at Chen De. He smiled and nodded. There was no hint of boredom on his face. He was excited. This time he persuaded Zhang Zhongyao to ask for a meeting. He not only offered a financial management method, but also  In front of Chen De, he tried his best to show that he knew how to govern the country and secure the world.

    It is expected that Chen De started his career in the military and has many elite soldiers and generals, but civil servants must be in urgent need. As long as he seizes this opportunity to contact Chen De and leaves a capable impression on him, he might be able to leap over the dragon's gate.  It is more effective than passing the Jinshi exam.  This mentality is similar to that of later generations of white-collar workers who painstakingly crafted words to impress the chairman within thirty seconds of taking the elevator.

    "As long as your Excellency and the military government control the huge profits from the house bidding in decades, no matter how many ways merchants in the Western Regions use to make money, they will still have to surrender with both hands in the end. This is the meaning of 'making a profit'  , this bidding system for land and houses is like a funnel, continuously transporting the wealth of the merchants in the Western Regions to your treasury. By then, your lord will have a strong army and a full treasury, sweeping the world like a palm."  Not only did Qingchi speak in detail, but he also spoke louder and louder, gradually revealing a sense of arrogance. Even Zhang Zhongyao who was next to him was secretly frightened. He thought that it was indeed as the Lord said. Talents and virtues are scattered in the wilderness. When he first saw Qingchi,  He is just a businessman, who would have thought that he would have such talent.

    Chen De listened patiently to what he said, and said slowly with a smile: "Qingchi's strategy is very good. I also have a financial management method that can complement it. When the merchants bid for land and houses, they may not have sufficient financial resources.  Fuhaixing came forward to lend him a huge sum of money. The businessman valued profits more than parting, so he asked him to take out some pledges and return them as soon as possible within a few years. The people could settle down and relocate, and they could slowly return them on a monthly basis for decades. In this way,  Fu Haixing reaped huge profits, and what's even better is that the loaned money went around in circles and came back to the treasury."

    Qingchi originally thought that his method of making money was already an unbelievable calculation, but Chen De added a few strokes, which had the finishing touch. He clapped his hands and praised: "What a wonderful plan, it is simply a business without a basis. These people are burdened with a heavy burden."  I have to repay the debt to Fu Haixing every month, so I can only live frugally, so that I can accumulate more wealth. Your Majesty has far-reaching views, and Qingchi is beyond your reach!"

    Note 1: In the third year of Xining, Wang Shao, the same official who was in charge of the Qinfeng Road, said: "Wei Qinfeng, a border prefecture, is connected to the Western Bo countries along the way. The goods in Tibet flow in all directions, and the number of those who return to us is unknown to the millions.  , and all the profits from business belong to the people."If you want to set up a business office on this road, you can borrow official money as the basis and take advantage of the merchants. Even if you earn a year's income, it will not be more than one to twenty million yuan."

    Note 2: In order to prevent corruption in the sale of public housing, the Song Dynasty government specially designed a bidding system-all house buyers were asked to submit written bids in one place. The bids would be opened after a period of time, and the house would be sold to whoever paid the highest price.  .  (Please note that this is a hidden bid) When the Song Dynasty government held public bidding, a notice would be posted at the yamen gate, stating the location of the house, the number of rooms, the bidding location, the bidding period, etc.  The bidding period can be long or short, with the long term being two months and the short term being one month.  In order to prevent individual house buyers from breaking their promises, the Song Dynasty government required bidders to use their own houses as mortgages. If they did not own a house, they had to find someone to act as a guarantee and have a mortgage and guarantee before they could participate in the bidding.  In this way, home buyers must bid rationally, otherwise they will suffer a loss.

    Author: From the above historical facts, it can be seen that the trade volume at that time was huge. Just relying on Qin Feng, even Wang Shao, who was not good at business, dared to boast to the court that he could earn 10 to 20 million yuan a year, and Fuhaixing's annual profits  It will be far more than this number, and reasonable trade will also change the economic structure of all parties involved, causing the trade volume to increase year by year. Judging from the speed of capital accumulation in Zhongyuan at that time, the huge stall of Fuhaihang had almost as much capital absorption capacity as  Infinite.

    The content of this chapter is a little bit funny and is purely fictitious by Xiangbi. You can just laugh after reading it and there is no need to comment further.

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