In the professional field, as the saying goes, those who are knowledgeable come first and those who are capable come first. Since Liu Yushi warmly invited him, Qin Dewei sat on the main seat in the middle without any courtesy.
Then Qin Dewei put his hands on the table, frowned and thought hard, and remained silent for a long time. He had finished singing two songs in the private room next door, and Conductor Xu hummed a few words along with him.
Liu Yushi was so angry that he gave up his seat and stood there, sarcastically saying in a condescending manner: "Why, weren't you a very sharp-tongued young fellow? Why did you become mute when you were asked to speak loudly?
Are you speechless?"
Qin Dewei sighed, "I'm worried about how to make you understand what I want to say."
Liu Yushi and Feng Xiancheng glared at each other, you are a person who is just a fool in the county examination, so you are talking to two Jinshi who are at the top of the diploma contempt chain?
Qin Dewei could only speak after careful consideration: "Finance...the essence of money industry is actually credit transactions."
The two Jinshis were stunned together. They knew every word, but when they were combined into one sentence, they didn't understand it at all.
Qin Dewei was also troubled, not knowing how to translate these modern words and phrases from five hundred years later into the spoken vernacular or written classical Chinese of the Ming Dynasty.
After thinking about it again and again, Qin Dewei could only shake his head and said: "Forget it, you don't need to understand this. Anyway, the purpose is just to make money, not to understand the principle.
When it comes to making money, finance...the way to make money in the money industry is actually to drive currency...money circulation, multiplying in the constant flow."
The more Qin Dewei talked, the more headache he got. It was too difficult to express financial concepts in the vernacular of the Ming Dynasty and make people understand.
He finally gave up on popularizing science: "Forget it, you don't need to understand this, just let me teach you how to do it directly!"
The two Jinshi's faces were so dark that even if they really didn't understand, they didn't need to emphasize it over and over again!
Moreover, the sage also said, "I don't know if I don't know. If three people are walking together, there must be my teacher!" You just give the beginning of what you are saying, and then you don't explain the problem in detail. You just say that you don't need to understand. What do you mean?
But thinking that this boy might really possess the art of Tao Zhu, I endured it.
Breaking away from obscure theories and talking about practical operations, Qin Dewei gradually became fluent: "In short, to sum up, I think that in a metropolis like Nanjing, where consumption is prosperous, the core business of our money shop in the future will be the issuance of money tickets.
and circulation!
Now that the government has no restrictions or rules in this regard, it is our opportunity to show our talents!
There are two key points. One is to let the world trust our banknotes and dare to take them! The other is to try our best to expand the usage scenarios in the early stage and guide the world to develop the habit of using our banknotes!"
"Then how to do it!" Liu Yushi listened for a long time and felt that every sentence made sense, but none of it was about specific things to be done, so he couldn't help but urge.
"There are three measures that I can think of at the moment! The first is to start with tax collection. Jiangdongmen Market has a propaganda branch, which is also within the supervision scope of the Xicheng Procuratorate. When collecting commercial taxes, you can only collect our money receipts, and then take the money receipts.
Convert them into silver and then go to the Account Settlement Department!
Businessmen in the city need to pay official silver and stall taxes to the county government, or they can collect our money invoices instead! If necessary, the county government will find a money shop to exchange it for silver!
The advantage of doing this is that it is convenient for both the government and the people. It makes it easier to collect taxes and pay taxes. The Ministry of Household Affairs also has less money, and it can also guide a large number of business travelers to get used to using our money notes."
"The second is to start with compradors. Jingxian and county governments often undertake the supply tasks assigned by the government, ministries and other yamen, and then go to merchants in the county to purchase supplies.
If something like this happens again in the future, the county government can first deposit the money allocated for purchases in the money shop, and then use our money to pay the merchants, and it won’t work if the merchants don’t accept it anyway!”
"Third, you can look for opportunities to partner with some merchants of bulk necessary supplies, such as grain and salt, and then you can use money coupons to directly purchase grain and salt.
This may not necessarily make much money, but it can enhance the world's confidence in our money bills, and subconsciously equate money bills with rice, salt and other materials."
The other three fell silent, each of them deep in thought, trying their best to digest what Qin Dewei said.
Qin Dewei explained a few more words: "Aren't these guidance methods much better than Mr. Liu's idea of plundering and buying and selling by force just now? Moreover, it is also good for merchants, so they may not be unwelcome, and the reputation is much better.
The most important thing is that these are all things that the lower-level yamen can do, and they are all within the scope of the rights and responsibilities of the two of you, the sixth and seventh grade, and there is no need for you to alert the higher-ups."
Liu Yushi was the first to express his stance. He gritted his teeth and said, "It's feasible!"
His original idea was to open two ordinary money shops, and then use his power to forcefully attract business. However, he did not expect that Qin Dewei's temporary plan seemed to make the business bigger and bigger.
But I have to admit that the road map designed by Qin Dewei has a strong magic power, tempting the ambition in his heart to give it a try.
Feng Xian Cheng thought for a while and found no obvious violations, so he nodded and said, "We might as well give it a try."
Commander Xu didn't care. Anyway, he had hard-core crops at home and fertile land and industry outside the city, so he could afford to pay even a small amount.
Qin Dewei made the final decision and said: "Since you all have no objections, let's go ahead and do it this way."
Liu Yushi suddenly felt something was wrong. He should be the one taking the lead, but now it seemed like Qin Xiaosi was in charge of the overall situation?
Therefore, Liu Yushi quickly came up with another equity distribution plan, "I propose that I, Feng, and Xu each own 30% of the shares, and the remaining 10% is used for dividends to the shopkeepers and assistants recruited!"
Qin Dewei laughed out loud, "Mr. Liu made a good calculation! If I were Master Feng, I would just throw my hands away and leave right now!"
Feng Xiancheng raised his head blankly, what's going on? You're talking so hotly, why do you want to leave?
Liu Yushi argued: "One person is 30%, and everyone is the same. What's wrong? Do you also want to take a share?"
Qin Dewei ignored Liu Yushi and instead asked Commander Xu: "May I ask Mr. Xu, who is going to put this business in the family's name?"
Commander Xu thought for a while, the eldest brother has a hereditary command, the third son has a family of benefactors, and only the second son has nothing. The newly built property should be placed in the second son's name.
What's more, this business is to be partnered with the second son and his uncle, so it can only be placed in the second son's name, and no one else is suitable.
Qin Dewei turned his head again and sneered at Liu Yushi: "Look, you, Master Liu, have 30%, and your nephew, Master Liu, has 30%, so doesn't your family's partnership amount to 60%?
Then how much weight can our Mr. Feng have in this business? In the end, it’s not up to you to say what you say!”
Feng Xiancheng suddenly realized that there was indeed a trap!
Qin Dewei bargained and said: "So I think that you and Mr. Xu's shares cannot exceed 50%!"
"This is impossible!" Of course Liu Yushi was dissatisfied. The two of them could not exceed 50%, and on average each person could not exceed a quarter.
Qin Dewei had already expected Liu Yushi's reply, "Then don't join the big stocks! There is another way. Each of you three masters is responsible for opening a store, and you are responsible for your own capital and profits and losses.
However, the three stores must use the same font size, ensure that online deposits and withdrawals can be made, the money bills must be in the same style and key, and the store system must be exactly the same.
Then set up a separate general accounting room to take stock of all accounts and ensure that the three stores can work together. In this way, there is no need to quarrel over the division of shares, and everyone can be responsible for their own stores. "
Everyone said in unison: "Good!"
Qin Dewei was also satisfied. If they were divided into large shares together, a small role like himself would definitely get nothing. After all, he could not afford the capital, nor could he provide the power to use it.
But if they open separate stores and work alone with Feng Xiancheng, they will have the opportunity to obtain the status of a partner in a single store.
I have to talk to Mrs. Gu later. There is a business opportunity to join forces. After all, Mrs. Gu has the capital but I don’t.
After discussing for a while, the final layout was finalized. Liu Yushi was responsible for opening the store at Jiangdongmen in the west, Commander Xu was responsible for opening the store at Sanshan Street in the middle, and Feng Xiancheng was responsible for choosing a location in the east or south of Jiangning County to open the store.
Now that the business is done, everyone is happy and full of hope for the future.
The servants and attendants began to greet and serve wine and food outside, and called the old madam to bring more people to accompany the guests.
