Fang Yizhi successfully borrowed money from Tianxiatong Bank in his own name and with the royal family's guarantee.
The loan amount is 5 million silver dollars.
10% annual interest!
The principal and interest must be repaid within five years.
The borrowing conditions are quite harsh and the interest rates are extremely high. If it were Emperor Zhu Youjian who borrowed the money, the conditions would definitely be much looser and the interest rates would be as low as almost zero. But even if it is a high interest rate, even if the cost of borrowing money is very high
Gao, Zhu Youjian didn't want to borrow it himself, for fear of falling into Xujiazhuang's trap and losing greater benefits.
This resulted in Fang Yizhi personally taking certain risks. If the Royal Farm suffered a severe harvest failure next year and was unable to make ends meet, the pressure on his shoulders would be even greater.
However, Fang Yizhi firmly believed that he would succeed. He was confident enough that he would even be able to repay the loan with interest next year.
"Your Majesty, I will definitely give you a surprise next year."
Fang Yizhi said secretly.
…
In the seventh year of Chongzhen, September 8th, morning.
Nanzhili, Xinghua County, Fengle Village, Zeng's Cattle Farm.
Today is a very important day for cattle farmer Zeng Tianshun.
Because the second batch of Angus beef cattle raised in his Zeng's cattle farm has been carefully raised for nearly 700 days, and today is the day to be slaughtered.
Thanks to the busy work of the staff sent by Xujiazhuang, except for two bulls that died accidentally during the breeding process, the remaining 88 bulls all survived, grew up, and reached the standards for slaughter, and all weighed around 720 kilograms.
"Yes, Lao Zeng, your cattle are well raised and of high quality." The Xujiazhuang staff member in charge of weighing said with a thumbs up.
"It's okay, it's okay." Zeng Tianshun nodded modestly. His sons Lu Wen and Lu Wu, as well as his wife Wang Yingniang, who was holding a child in her arms, also had a sense of accomplishment on their faces, because these cows belong to their family.
The fruits of people's efforts are the crystallization of their countless sweat.
"The weight is out."
Zeng Tianshun was inspired by the words of another staff member holding a calculator in his hand. He said: "There are 88 beef cattle in total, and the total gross weight is 63,628 kilograms. However, these cattle have been fed with forage in the morning and must be buckled."
For a portion of 264 kilograms, the actual gross weight is 63,364 kilograms. Do you have any questions?"
"No no."
Zeng Tianshun shook his head and glared at his wife Wang Yingniang next to him. It was this woman who came up with the blind idea to take advantage of Xujiazhuang. But would this little cleverness be useful? Wouldn't it be seen through at a glance? Wang Yingniang opened her mouth and wanted to step forward to argue.
She said that the cow had not eaten that much fodder in the morning, only four or five kilograms at most, but Zeng Tianshun glared back and told her not to make any more trouble.
"Manager Zhao, how is the market for buying these cattle this year? How much is the price per kilogram?"
Zeng Tianshun asked very anxiously, asking the question that concerned him the most.
I want to know if the cattle he raises can be sold at a high price, or if the price is not too low.
Because now more and more farmers in Yangzhou Prefecture are abandoning traditional farming and choosing to grow grass and raise cattle and sheep. In Xinghua County alone, there are more than 300 cattle farmers and more than 200 sheep farmers.
Even more, many landowners have joined in, invested a lot of money, and opened large-scale breeding plants with a stock of 500 or 1,000 cattle, which is simply not comparable to that of a retail investor like him.
"Invincibility starts with sacrificing the ancestor"
A terrible scene occurred.
There are cattle and sheep farmers everywhere, and there are so many cattle and sheep that Zeng Tianshun feels worried and anxious.
Things are more valuable when they are rare. If there are too many, the price will plummet. This is common sense that ordinary people know.
What Zeng Tianshun fears most now is that after working hard for two years, the cattle he raised cannot be sold at a high price. This is a very unacceptable thing.
And he is no longer alone.
He has two and a half-year-old sons.
He has a wife, Wang Yingniang, and she actually got pregnant with his Zeng Tianshun child last year. In April this year, she gave birth to a daughter, which made Zeng Tianshun extremely happy. Although this was a daughter, he Zeng Tianshun
After he has a son, his bloodline has been passed down. As long as he keeps up his efforts, he might be able to give birth to another son.
It's just that the number of people in the family has increased.
This means that the financial pressure has also increased. He has to prepare a dowry for his daughter and a betrothal gift for his son. He has to spend money on many aspects, requiring Zeng Tianshun to earn more money.
It is absolutely impossible to stay as flat as when he was young. Even if he is almost fifty, he has to continue to work hard, even harder than young people! Because he doesn't have much time capital anymore.
So 70 Wen/kg.
This is the bottom line of the price that Zeng Tianshun expected. It is 20 cents less than the 90 cents/kg two years ago. It is really impossible to go any lower. You must know that in order to raise these cattle well, he has bought a lot of soybean meal in the past two years.
Along with corn feed; the cattle farm has also been renovated to improve the living conditions of the cattle; the cost of treating cattle, etc... In short, 70 Wen/kg is a bottom-line price that is difficult to compromise.
"The gross weight is 63,364 kilograms. Based on the 70% meat yield, our purchase price is 80 Wen/kg, so the total is 3,548,384 Wen, which is 3,550 silver dollars for you. Boss Zeng, can you accept this price?" the accountant from Xujiazhuang said.
3550 silver dollars?
Zeng Tianshun was stunned. With this income, after excluding all costs, wouldn't he have made a net profit of more than two thousand silver dollars from raising cattle in the past two years?
What surprised him the most was that the purchase price did not drop much, and was ten cents higher than his bottom-line price.
This this……
"Boss Zeng, are you satisfied with this price?" Seeing him in a daze, the accountant asked again.
"Satisfied, satisfied, very satisfied, I can accept it." Zeng Tianshun said quickly.
"Boss Zeng, the quantity of 3,550 silver dollars is large and inconvenient to carry. We can only give you 550 silver dollars in cash and this 3,000 silver dollar draft from Tianxiatong Bank. You only need to sign your name, press your fingerprint, and write down the eight-digit password."
If you deposit it, you can go to the bank to withdraw it. Even if you accidentally lose it, you can withdraw it. It is very safe..." said the staff of Tianxiatong Bank.
"Okay, it's fine to leave your money in the bank, but it's not safe to have too much money on you." Zeng Tianshun nodded repeatedly. Tianxiatong Bank is trustworthy. Now more and more people choose to deposit money in banks, because it is easy to be stolen at home (
There was a thief in Zeng Tianshun's home and he lost a small amount of property), but it is much safer to deposit it in a bank, and you can still earn interest.
soon.
A rattling bag of 550 silver dollars and a money order were handed into Zeng Tianshun's hands, but before he could warm them up, Wang Yingniang next to him immediately took over and hid them at home. After all, there were many people watching the scene.
There are many villagers, so wealth cannot be revealed.
Zeng Tianshun was also greatly relieved. After two years of hard work, he finally settled down and made a lot of money. Good, good!
"Old Zeng, our Xujiazhuang has recently launched a long-term cooperation service for old partners like you. I wonder if you are interested?" However, the matter was not over yet, the leader, Manager Zhao, spoke again.
"How do you mean long-term cooperation?" Zeng Tianshun's eyes lit up and he asked.
"Those are the cattle raised by Zeng's cattle farm in the future. Xujiazhuang will cover it all! They are not allowed to be sold to other businessmen. In return, the purchase price of your cattle in the future will not be less than 65 Wen/kg, and we will provide you with insurance."
Service, if there is a force majeure situation in the future where a large number of cattle die, we will give you a subsidy of 20 silver dollars per cow to improve your ability to withstand risks. I wonder if you are interested in becoming a long-term partner?" asked Manager Zhao.
"Yes! I am willing to cooperate for a long time!"
Zeng Tianshun blurted out and agreed without hesitation. It could be said that it was exactly what he wanted, even though the lowest price of 65 Wen/kg was 5 Wen less than the bottom line price in his mind.
But stable.
Long term and stable!
There is no need to worry about drastic changes in the market, the price of his cattle plummeting, and the loss is huge.
Even if he may earn less, it is much better than being anxious every day. He doesn't have to worry about how many cows other people raise and can just do his own thing in peace.
Therefore, "Long-term Cooperation Agreement", sign it, sign it immediately!
"Old Zeng, we will cooperate happily in the future."
After collecting the contract, Manager Zhao shook hands with him and smiled very happily. If he knew Zeng Tianshun's inner worries, he might laugh at him for worrying too much, because at least for the next ten years, he would not have to worry about the price of beef and mutton rising.
The problem with the decline is that the amount of meat produced by farmers will be consumed by the market. As for the reason, Manager Zhao is not sure, but this conclusion is drawn by the owner, so it is 100% correct.
Yes, absolutely no problem.
Zeng Tianshun can still make money for many years. The breeding industry in Yangzhou will continue to develop explosively and will not be saturated in the short term.
…
He refused many villagers' invitations to eat and borrow money, and ignored their jealousy and abuse.
On the way back to his two-and-a-half-story brick house.
"Dad, is it okay to have mutton hot pot at home today? I want to eat mutton?" said Lu Wu, who was holding his several-month-old sister in his arms.
"Okay, I'll buy it later!" Zeng Tian responded and reached out to take his daughter.
"Also, my brother said that he wanted to buy a Jinlong bicycle. It only costs 500 silver dollars to buy it from Xujia Manor. My brother said that as long as he has a bicycle, Su Huiniang from Suzhuang Town will definitely be willing to marry him.
"Lu Wu said again.
"Here... buy it! I just need a bicycle at home." Zeng Tianshun gritted his teeth and said, it's only five hundred silver dollars, so he can afford it and it's not too expensive.
"Dad, I like a girl in the Xu family's No. 3 manor, but she said she won't marry anyone outside the manor. What do you think I should do to marry her? I really like her." Lu
Wen also expressed what was on his mind. Although he was only 14 years old this year, he was already at the young age of Mu Ai, and the girl in the Xu family manor was only 13 years old. According to the regulations of the Xu family manor, people must be 18 years old before they can get married and have children. Lu
Wen felt that he still had a chance.
"This is really difficult to handle. In a paradise like Xujiazhuang, they are not willing to marry off their daughters and suffer. They call this 'going down to earth' and 'wearing one's own shackles'. You have no chance." Zeng Tianshun said.
"Isn't it okay even if I have money? I will work hard to make a lot of money!" Lu Wu said with a fist, still unwilling to give up.
"No, Xujiazhuang has plenty of money, and it doesn't lack you."
"Then can I marry into Xujiazhuang? I see many people doing this, and they don't feel ashamed." Lu Wu said again.
"Pfft~"
Zeng Tianshun almost spit out his words, he was so surprised. In order to marry the fairy from Xujiazhuang, this silly boy even considered getting married. It seems that he is indeed serious. However, this silly boy is not his own son.
, then said to him: "You can marry me if you want, I have no objection, but your mother may break your legs, as long as you are not afraid of this."
"I, I'm not afraid! I'm a man from the Lu family, and it's the Lu family's face that I lose by marrying into the family. Mom, she won't hit me!"
Lu Wu said loudly, but couldn't help but shrink his neck, which showed that he was not as fearless as he seemed.
