Among the nine general salt merchants, one deposited 1 million taels as a deposit, and now the deposit is 9 million taels, and it is long-term and interest-free!

However, the small target set by Zhu Youjian for Zhu Cihong was 130 million taels, and now it is still short of 121 million taels!

Before settling the remaining 120 million taels, Zhu Cihong smiled and asked the nine salt merchants present: "Are you willing to deposit the 1 million taels as a deposit?"

"willing!"

"Of course I am willing"

"I will definitely raise this money as soon as possible!"

For the big salt merchants in Yangzhou City, although one million taels of silver was not a small amount of money, it was not a problem for them. Therefore, the nine salt merchants expressed their opinions one by one and promised to hand over the silver to Zhu Cihong's Salt Bank as soon as possible.

"Okay!" Zhu Cihong said again, "Then I will tell you about the salt tax. The main thing is to pay for grain. 8 million pounds of wheat or rice a year are all delivered in Liaodong.

In addition, you have to pay another 600,000 taels of silver a year to maintain a new Dadu Salt Transport Envoy Yamen.

In the future, there will no longer be six Du Salt Transport Envoy Yamen. There will be only one Dadu Salt Transport Envoy Yamen, which will be in charge of the world's salt affairs. Collection of salt taxes, anti-smuggling of salt, control of salt prices and supervision of salt imports will all be done by this Dadu Salt Transport Envoy Yamen.

unified management.

Most of the salt transportation envoys are under the Yamen. Fortunately, there are provincial salt superintendents. Under the salt superintendents of each province, anti-smuggling salt offices will be established.

These 8 million stones plus 600,000 taels will be shared by the nine of you. It’s not a lot, right?”

“Not much, not much at all”

When the nine salt merchants heard Zhu Cixiang's asking price, they all breathed a sigh of relief in their hearts. The salt tax of 8.6 million yuan was certainly a lot more than before, but in the future no powerful person could ask them for money, even if it was extra.

If you pay a little, it will only be given to His Highness the Great Nephew, and you will definitely save a lot.

Therefore, the income of the nine salt merchants will definitely increase in the next few years!

After listening to the statements of the nine major salt merchants, Zhu Cixiang smiled and nodded, and then said: "Gu's second big business is the Salt Bank! The so-called bank can absorb savings, issue loans, conduct remittances to other places, exchange and

A firm that mints gold, silver, and copper coins and buys and sells bonds and other valuable instruments.

This bank is a bigger and more promising business than the salt industry. Are any of the nine of you interested in the shares?"

In fact, the salt merchants in Yangzhou are also engaged in loan sharking, because the essence of the salt merchant business is that of a tax collector, and the imperial court did not require the salt merchants to advance taxes. At the same time, the salt merchants did not allow small and medium-sized enterprises to go offline.

Salt merchants operate on credit, so their business must generate a large amount of cash flow, which will be used to lend money at high interest rates.

Moreover, the southeastern region has developed industry and commerce and has a large demand for funds. Lending is still profitable. Of course, the major salt industry merchants will not let go of such fat.

But the loan sharking business of salt merchants is completely different from the banking industry, so they don't quite understand the difference between the Salt Bank that Zhu Cixiang wants to build and their loan sharking business.

But not understanding it doesn’t stop them from investing.

Bai Siwen asked with a smile: "Master Qiansui, how much money do you want us to invest? How many shares do you want us to hold?"

Zhu Cixiang smiled and said: "You don't have to invest too much. One family can invest 500,000 and 100,000 taels per share. The bank's principal is 100 shares in total. The nine of you will take a total of 45 shares, so you can take 55 shares."

Nine salt merchants offered 4.5 million to take 45 shares. Zhu Cihong offered nothing and took 55 shares. This was a really good deal.

However, the nine salt merchants didn't think much, they all nodded in agreement, who made Zhu Cihong their general backstage?

In addition to the 1 million that each family had to come up with before, they each had to come up with 1.5 million taels. Although it was a bit stressful, they could still come up with it.

And 1.5 million times nine is 13.5 million.

More than one-tenth of the "small goal" has been achieved!

Zhu Cixiang continued: "In addition to what I just told you, the Salt Bank also has another business, which is the consignment of salt quotations. In the future, any businessman who wants to buy salt must first purchase a year's quota of salt quotations, and then sell salt quotations.

Exchange salt for salt on a monthly basis from the Salt Industry General Merchant branch in each province. After the Salt Industry General Merchant obtains the salt quotation, he can exchange silver with the Salt Industry Bank."

This is another low-cost way to “acquire money”!

The total sales of salt in the Ming Dynasty for a year was between 20 and 30 million yuan. Even if Zhu Cihong only took three months' payment (he could sell next year's salt three or four months in advance), that would still be several million taels.

. Adding in the previous 13.5 million, it is almost 20 million. There is still 110 million left to achieve Zhu Youjian's "small goal".

"The last big deal is called Shangtun!" Zhu Youjian brought the topic to the land in the Northeast again, "To open a Shangtun in Liaodong, you have to pay a tax of 8 million shi a year, and you have to transport it to the sea in Liaodong.

**Pay. How troublesome? And you are not maritime merchants. You have to depend on people's faces when transporting food. How frustrating is that?

Anyway, Liaodong is now settled, and the imperial court is planning to release part of the fertile land in Liaodong to wealthy households in the south to build trading villages. Some land coupons that can be exchanged for land in Liaodong have been made and given to orphans. Are you interested in starting a business in Liaodong?

Tun?"

"Master Qian Sui," Bai Siwen asked, "I wonder how to sell this fertile land in Liaodong? How much money per acre?"

Zhu Cihong smiled and said: "The fertile soil in Liaodong is only lent, not sold."

"What? Only lending but not selling? So how can we lend it out?"

Zhu Cixiang stretched out two fingers and said, "If you deposit two taels of silver in Salt Industry Bank, you can borrow one acre of land coupons. There is no interest on depositing silver, and after the land coupons are exchanged for land, you can be tax-free for five years and tax halved for five years."

.”

Zhu Youjian smiled and asked: "How is it? The conditions are quite generous, right? When you no longer want to farm in Liaodong, you can still withdraw the land and get silver. You can still get these two taels of silver back. And as long as you hold it

If the owner of the land does not refund the coupons, the court cannot take the initiative to take back the land coupons or the land."

This is another way to save money without interest!

If the 50 million acres of land coupons can be "borrowed", then it will cost 100 million taels. Zhu Cixiang estimated that this matter is not too difficult. The nine salts in front of him will have to eat 4 million acres anyway.

That’s eight million taels!

In addition, the Southeast maritime merchants who were responsible for grain and rice imports would also receive part of the land coupons, and the amount would definitely be greater than that of the salt merchants.

With them taking the lead, those old pits who like to store money in cellars will probably fall into the trap. After all, money will not generate income in cellars. If it is stored in Zhu Cixiang's bank, some land can be lent out!

Land that can be cultivated is always scarce!

In addition to the 20 million raised previously, 120 million taels of silver have been obtained!

It's not too far away from the small goal that Zhu Youjian set for Zhu Cixiang. It's about the same as going to those old merchant father-in-laws to get some savings.

Moreover, Zhu Cihong would not send more than 100 million in cash to Zhu Youjian.
Chapter completed!