Chapter 230: New Skills in the Trillion Assets System
Chapter 230 Trillions of Assets, New System Skills
May.
Midsummer Night.
Lin Yi was wearing thin home clothes and was lying lazily on the mat in the courtyard. Chunmei Xiuer was beside him using a fan to drive away flying insects, and Anemone was feeding him fruits.
Cui Niannu, Pan Jinlian, and Linglong were chatting quietly next to them.
What a peaceful and warm scene.
Lin Yi likes this feeling.
The whole person's body and mind are relaxed, and there is even an illusion that the soul is wandering, and the whole body is numb.
Cui Niannu crawled over.
He whispered in Lin Yi's ear: "Master, I was just discussing with Sister Jinlian, do you think the tan lipstick looks good?"
Sandalwood is a modern flesh color and nude tone.
Lin Yi thought of the moist lips of young girls in later generations, looked at Chunmei and Xiu'er, and said with a smile: "The tan color is suitable for girls and will make people look more youthful."
"Well, then I'll have someone produce a batch and try it out," Cui Niannu said.
During this time,
Lin Yi saw that the women were idle and gave them a business to sell rouge and gouache.
In fact, there are many styles of rouge and gouache in the Song Dynasty, such as eyebrow ink, lipstick, makeup powder, rouge, flower patchwork, lipstick paper, etc., which are also divided into various colors.
Lin Yi let women run the business, and naturally gave them some good things, including perfume and soap franchises, and taught them how to make tube lipstick. In fact, lipstick is very simple to make. In addition, he also launched a cream.
The ancients often used words such as snow-white skin, skin like gelatin, and air like orchid to describe the beauty of women. The cosmetics sold by Cui Niannu and others can improve a woman's beauty by several levels. Now, whether she is a concubine in the palace or a concubine.
The ladies of the imperial family in Beijing all love the women's cosmetics from Lin's cosmetics shop.
The cosmetics at Lin's Shop are all good.
The only drawback is that it's expensive.
With this business alone, he could easily earn 100,000 yuan a year, but for Lin Yi, it was just to find something for women to do.
The real big business is out there.
The Royal Trading Company has now become the largest trading house in the entire Song Dynasty, with goods flowing from north to south. In ancient times, business profit was due to poor information. Because it had its own intelligence organization and mastered the most timely information, the Royal Trading Company took advantage of the opportunity.
The commercial bank has been running for nearly a year and has made a profit of 30 to 40 million yuan.
There is also Zhenbao Pavilion, which is also the main source of profit. Most of the products in Zhenbao Pavilion were originally confiscated, so they have no cost. In addition, they also include hard currencies such as houses and land.
Let’s just talk about land. Chinese people love land most, especially the land occupied by corrupt officials. It is almost all mature land. People can grab it wherever it is placed.
But Lin Yi didn't sell it.
He has his own ideas.
Recruiting tenants is more important. One is to harvest grain and lay the foundation for the grain business of the merchants. The other is to solve the problem of displaced people. The third is to reduce the proportion of tenant rents collected by landlords and gentry across the country.
There were many years of famine in the Song Dynasty, and many places were affected by disasters. How to solve the problem of victims was a headache for the officials of all dynasties.
Lin Yi left these lands and set up a national land leasing company to rent them to the victims of the disaster at low prices. On the one hand, he solved the land problem and on the other hand, he solved the problems of the victims. It can be said that he killed two birds with one stone.
As for land rent, it can be adjusted through a large amount of land. If the rent collected by the old landlords is too high, they can rent royal official land. If no one is available to them as tenant farmers, the rent will naturally come down. This is also a kind of compensation for farmers.
Lin Yi even had an idea,
In the future, when there is more money, or land is bought out, most of the land acquired will be turned into company land and then leased to farmers at cheap prices. In this way, the rental price of domestic land will not become the straw that breaks the camel's back.
In fact, what farmers want is very simple.
If they have a few acres of land, they won't starve to death, they can eat a meal of meat during the Chinese New Year and wear new clothes, so they won't rebel.
Often rebel,
I really can't live anymore.
There are many more industries.
The snow salt and sugar industries have not been expanded in the capital. As for the production capacity, they have been transferred to the raw material production areas, which facilitates processing and saves costs.
The industrial zone now has more than a dozen large factories, producing products including glass products, mirrors, soaps, perfumes, artillery weapons, etc.
As for the production of gunpowder and ammunition, it is not here, but in a wilderness area dozens of miles away from Bianjing. There is no human habitation for dozens of miles around, and the factory is heavily guarded. Anyone who comes close will be investigated as a spy.
The Thirty-Sixth Prison in the World, which produces steel, was transformed by Lin Yi.
Lin Yi came up with coking coal refining, new iron-making furnaces, stirring steel-making and other technologies that were far ahead of this era. This was a technology that would only appear in the middle of the Qing Dynasty, but it is not difficult to implement it now.
With these methods, wrought iron and steel can be obtained in large quantities, dozens of times faster than before.
With good steel,
Naturally, good weapons can be made.
The magic weapon that used to be a handful in the past can now be mass-produced here by Lin Yi.
With better steel plates, the armor can be made thinner, but the protective power will be greatly increased, which can also play a vital role in the performance of generals and soldiers on the battlefield.
After the coking coal ironmaking method was introduced,
The most intuitive benefit is that the output of wrought iron and steel has been greatly increased. Iron is money, and the extra iron can be sold or made to make a lot of money.
As early as this winter, just after the New Year, Lin Yi received reports from various places one after another. He sent people to look for mines, and several groups of people discovered mineral veins.
Lin Yi immediately ordered people to encircle the surrounding mountains and attribute them to the state. He also asked the Ministry of Industry to send people to survey and measure the extent of the reserves.
After several months of surveying, the results were very gratifying. They were all high-quality large veins. Lin Yi immediately ordered people to mine and excavate. All the copper and iron ores dug out were sold to the National No. 36 Supervisor for smelting.
As for the news of the discovery of several large copper-iron mines, Lin Yi did not hide it. Instead, he announced it to the world through the imperial newspaper. The people were naturally overjoyed when they saw the good news.
First let me explain,
At the end of the Northern Song Dynasty, there was already a newspaper called Chaobao, which was published by the government with unified content. Recently, two tabloids appeared on the market, which were private newspapers. It was not easy for the court to allow these two private newspapers to publish and print, and people were very enthusiastic.
.
In fact, they don't know that these two newspapers were created by Lin Yi privately, which also caused the two families to be in conflict. To put it bluntly, the left hand was fighting the right hand.
No one in this world knows the importance of controlling public opinion better than him.
Public opinion can rejuvenate a country.
Public opinion can also subvert a country.
The large-scale spinning and textile machinery that Lin Yi built has now been established in large-scale factories in the Jiangnan area, recruiting skilled workers for production.
The Royal Bank is Lin Yi's most important industry.
After half a year of development, Royal Bank has completely established its reputation. In the first few months, people were still skeptical. However, after more and more people tried it, people discovered the benefits of the bank, and the business volume showed explosive growth.
Now the Royal Bank's stock of silver has reached 300 million guan, it has issued about 100 million guan in handouts, 100 million guan in banknotes, and more than 80 million guan in loans.
Among them, the largest loan customer was the Song Dynasty court.
As for the mortgage, the court's annual taxes are used to repay the interest. If any time traveler comes here, they will definitely find that this model is very similar to the Federal Reserve and the US government.
On this day,
Lin Yi came to the Royal Bank Head Office.
The bank will make a big move today, which is to sell mining stocks.
And this news,
It has already been circulated to the world through Chaobao and the two private newspapers that more than 30 branches of the Royal Bank started selling stocks to the outside world today.
Lin Yi took out three mines to test the waters.
One coal mine and two iron mines.
The coal mine is in Chentian Town, Lanling. Royal Commercial Bank has newly discovered a large-scale open-pit coal mine here, and it has now been officially mined.
Lanling is also known as Zaozhuang in later generations. Zaozhuang is known as the coal city. The proven reserves of this open-pit coal mine are 500 million stones. The quality of the coal is very good and it is easy to mine.
There are two iron mines, one is in Huangshi City, Hubei, which is one of the veins of the Daye Iron Mine in later generations, with a reserve of 800 million stones, and the other is an iron mine, the Maanshan Iron Mine, located at the junction of Jiangsu and Anhui, with reserves of 10
Billions of stones.
The surveying technology of the Song Dynasty is naturally incomparable with that of later generations, but it is still quite good.
Iron is much more expensive than coal. In the Song Dynasty, iron money was implemented, and iron was dug out to make money.
When the bank opened, many big businessmen and shopkeepers from big families came one after another. These people came for the mines.
Everyone knows,
Once you own a mine, you don’t have to worry about upgrading it for generations.
But many people know that
Their family may not be able to swallow those mines. Of course, Lin Yi doesn't want anyone to swallow them. His plan is that these mines will still be operated and mined by the Royal Commercial Bank, excluding operating expenses, and everyone will share the money earned according to their shares.
until ten o'clock in the morning,
Three to four hundred families came one after another.
These can be said to be the most powerful businessmen and groups in the Song Dynasty. Lin Yi did not come forward, but the boss of the Royal Bank in Beijing was in charge.
The big shopkeeper took the lead and said:
"Everyone, let me first talk about the sales of these mine shares. The total price of the mine is calculated based on the discount of the total reserves. Each mine is divided into millions of shares. For example, the Lanling coal mine has a total price of approximately 60 million yuan. The discount
30 million coins, and then sell half of the shares, that is 15 million coins, divided into one million shares, that is, 15 coins per share."
"Our bank's rules are that the minimum selling price is 10,000 shares, and the long position cannot exceed 200,000 shares without adding more."
At this time, someone asked: "How to calculate the profit? I don't think anyone here is willing to do a loss-making business?"
The shopkeeper nodded: "That's right, no one wants to do loss-making business. The Royal Commercial Bank is still responsible for the operation, but you can send out supervisors and check the accounts. Of course, you will be responsible for the supervisor's salary, and everyone will know at a glance how much you will earn.
"
Everyone thinks this plan is acceptable.
Then comes the sales process.
First there is the coal mine.
Then came the iron ore.
Iron ore mines are expensive, and both iron ore mines are discounted by hundreds of millions of dollars. When buying iron ore mines, many people competed for them, and many of them only bought tens of thousands of shares in the end.
In one day, all the shares prepared for sale in the three mines were sold out. At last count, the Royal Commercial Bank received 128 million yuan in funds.
Coming to an end.
The shopkeeper said, "Next month, there will be two more mines for sale, one tin mine and one copper mine. Interested parties are welcome to come and buy at that time."
Many people chased the bank manager to ask about the situation of the two mines. The bank manager said, "I don't know the specific situation, but don't worry, it will be announced in the newspaper in a few days."
The transaction was a huge success.
Lin Yi was very happy.
I also lamented that there were so many rich people in the Song Dynasty.
When this matter reached the court, many ministers were shocked and excited. If the court is short of money in the future, it can sell the mines, which will naturally meet its urgent needs.
However, before people could wait for the next mining auction, the bank launched a new method, that is, Lin Yi launched a mining fund.
This fund is issued based on the remaining shares of the Royal Merchant Mine as collateral, promising an annual interest rate of between 3% and 5%.
The current deposit interest rate at Royal Bank is 2%.
The main reason for this is that people are not active in depositing money. Many small businessmen, landlords and wealthy households still do not trust banks and prefer to bury their silver and copper coins in the cellar.
Lin Yi wanted to use this method to dig out the money they had hidden underground.
The advertisement Lin Yi asked people to place in the newspaper was extremely attractive.
He only made one calculation.
"If you buy 10,000 funds, it will become 16,500 funds in 10 years. If you buy 10,000 funds, it will become 20,700 funds in fifteen years, completely doubled. If you buy 10,000 funds, it will become 43,200 funds in thirty years.
Quadruple it.”
"There is always a minimum selling price, the fund principal can be withdrawn at any time, and the Royal Bank guarantees it."
Funds are purchased at banks, and more than 30 Royal Banks across the country sell them at the same time. They have opened a special counter and sell at a consistent starting price. The amount is determined by yourself. The interest rate is there anyway. If you want to earn more, invest more.
Not to mention,
The day after the newspaper was published,
A lot of people came to inquire about buying funds. Some beauties, it is not safe to leave their money in a brothel, it is better to leave it in a bank. Some small business owners do not know how to invest the money they earn on weekdays other than buying land.
It is better to put money in the bank to make money.
In fact, many people's money is really useless. They put it in the bank to save a family fortune for their sons. Regardless of various reasons, there is an endless stream of people coming to buy funds every day.
Gold, silver, and copper coins rushed to the Royal Bank.
In the following months,
Every month, the Royal Bank will auction two to three mines, and at the same time release funds to absorb idle money from society.
In July,
The total reported funds have reached 600 million yuan.
Even so, Lin Yi was not satisfied,
He used a more direct method, which was to issue new currency. After asking Song Huizong for instructions, and negotiating with officials at all levels, Lin Yi used Royal Bank funds as collateral to start mass production of "royal banknotes."
What Jiaozi did was too rough.
There is no comparison with banknotes.
The royal banknotes completely replaced Jiaozi, became the new legal currency of the Song Dynasty, and obtained the right to issue currency. Did you think of the Federal Reserve and the US government again?
The royal banknotes use the latest printing method, which is extremely difficult to counterfeit, and the denominations have also changed, including Yiguan, Wuguan and Ten Guan. In the past, Jiaozi only had five Guan and Ten Guan, which was actually very inconvenient to use.
To be consistent, of course you use copper coins. If you have more than ten coins, such as one hundred coins, you can use banknotes. The minimum amount of banknotes starts from 100 coins and goes up to 5,000 coins.
The size, color, and pattern of Yiguan, Wuguan and Tenguan banknotes are all different, so they can be distinguished at a glance, which saves the need to carefully check the amount during transactions.
Jiaozi circulating outside can be exchanged at banks at will. It won't take long for Jiaozi to be completely replaced.
At the same time, banks from various places sent large amounts of money to Bianjing in batches and put them into the vaults of the head office.
And this money will be collected by Lin Yi in a few days.
200000000,
400000000,
600 million.
The system wallet amount keeps increasing.
The money,
Lin Yi didn't want to take it all away. Putting the money in his hands was just equivalent to storing it in a different place in the Song Dynasty's treasury, and it was safer.
When needed, he could exchange it at any time, and what he exchanged was the silver that the Song Dynasty lacked, which was more useful than Jiaozi paper money and iron money.
800 million,
1000000000.
"Ding~!"
Just when it reached one billion, a long-awaited system prompt sounded in Lin Yi's mind.
Lin Yi was so excited,
One billion taels of silver is equivalent to one trillion yuan.
Finally achieved the goal.
He quickly clicked on the system panel.
"Congratulations to the players, the wallet funds have reached 1 billion taels of silver, and new products have been launched in the system mall."
Lin Yi looked at the panel.
There is a new skill in it.
“Money can make the world go round.”
Interesting name.
The last time he gave me "this is my respect", this time I gave him "money can make the world go round". He felt that the system was getting more and more weird.
Click to view the description.
Money can make ghosts grind: It is a skill that can be used directly without purchasing. You can use this skill when you encounter any ghosts. Spend money to control the ghosts to do things. The more powerful the ghosts are, the more you spend. The harder it is to control what you do, and the more it consumes.
big.
See this skill.
The first thing Lin Yi thought of was Sadako.
He immediately grinned.
"Hahaha, this time I can finally go to the post-apocalyptic world. I once swore that I would get Sadako pregnant!"