Of course, the three-section settlement is not an unlimited loan. The Ministry of Finance and Delong Bank mean that the loan has a certain limit, which is equivalent to an export credit. The limit can be adjusted at any time according to the import and export status. However, this credit is interest-free.
As for the currency used for settlement between the two parties, it is designated as Lingao Circulation Notes.
This put Li Luoyou in a bit of a dilemma, and made Master Han even more at a loss - he didn't want the free money, but he had to ask for some currency notes? Besides, there was no place to find this thing except Lingao.
Li Luoyu said: "I don't have circulation certificates. Don't you, the nobles, accept money?"
"Our settlement currency here is currency notes, and silver or gold is just a commodity." Chen Ce said, "It doesn't matter if you don't have currency notes. You transport the goods from the mainland to Lingao and sell them, and we will pay you.
It’s just a circulation ticket.”
This former employee of the bank's credit evaluation department volunteered to serve as director of the bank's planning department after Delong's split and restructuring. He has been doing bank credit evaluation for 7 years. In terms of professionalism, it is normal for him to serve as director of the credit management department.
.But he really didn’t want to continue with the paperwork work all day long, so he simply applied for a position in the Planning Department.
"This -" This is interesting. We don't want free money, but goods. What kind of business principle is this? Doing business requires real gold and silver. It's best to have gold and silver. It doesn't take up space, and it doesn't take up much space.
It won't get moldy and is very convenient for flower use or storage.
Those who don’t accept cash are either able to switch to something more profitable locally, or there is no cash at all in the local area. Australians have really strange ideas.
"Is this what you mean," Li Luoyou sorted out his thoughts, "I will transport the goods to Lingao for sale, and I will use the circulation coupons I earn to buy your goods?"
"Exactly."
"Isn't this unnecessary?" Li Luoyou shook his head, "Why don't we just exchange it!"
"Okay, how many pounds of ginseng would you exchange for a mirror?"
He was suddenly speechless. Without the equivalent of coins, it would be difficult to calculate the price at all!
"If this is the case, I have to set up a local store and build a warehouse." Li Luoyou hesitated, "The additional expenses-"
"We will provide you with the land for your business. You only have to pay for the construction of the house, and we will build it." Li Mei was very generous. "In addition, we have an underwriting catalog. As long as you deliver it, we will divide the price according to grade.
Buy, no matter the amount."
As he spoke, he was given the latest version of the package catalogue, which listed thirty-one package items and package prices.
"These thirty-one goods are exempt from all import taxes, and they are all purchased by us at the guide price."
Li Luoyou took a look and saw that coal ranked first. Many of the following were metals: pig iron, wrought iron, copper, lead, Japanese lead, tin, etc.; followed by grain, cloth, cotton, grease, wood, etc.
People's livelihood resources... His eyelids twitched when he saw the last part - horses, donkeys. What do Hainan need horses and donkeys for?
"Most of these goods are large in quantity and low in price, so transportation and sales are extremely troublesome." Li Luoyou still has the traditional idea of being a sea trade merchant and likes things of high value and small items.
"The profit is not big, but the cost for you, the proprietor, is not big either." Li Mei continued to analyze, "Most of these goods can be bought in various places in the south, and you can make money by shipping them over. Besides, the quantity is also large, and you can only make a profit from one package.
How many cents you earn adds up to a big sum. Isn’t this profit-free deal good enough? Our guide price is based on the market price in Guangzhou and a 10% gross profit is added to it."
Calculated in this way, my profit is not low. Moreover, the goods can only be transported to Lingao, which can be transported dozens of times a year, and small ships can also be transported. It is no different than sailing to the South and Western Seas. You have to wait for the weather and be patient.
If a big ship is caught in a storm, it will cost a lot of money to hire a helmsman and fire chief who can pass the needle.
"As for the goods that are not included in the package, you can ship them for sale. Currently, the customs exempts most goods from import taxes," Li Mei said.
The general merchandise transaction between the two parties was thus concluded, and it was also confirmed that Li Luoyou had opened a branch of Liaohai Bank in Lingao to be responsible for local business contacts.
"In addition, we will also provide you with export credit."
"Export credit?"
"In case your quota is not enough and you don't have enough cash on hand, and you need to purchase a large amount of goods, we can provide additional export loans with favorable interest rates. However, if it is a product on the restricted export catalog, you cannot get a loan."
With Li Luoyou's hand, Guangdong can mobilize more than 100,000 taels of silver at any time with just a note. He originally dismissed the so-called credit line with such red tape, but since here only the so-called circulation is accepted
Coupon, this set of things has become very useful to him.
The two parties also negotiated the specific matters of the Liaohai branch. Li Luoyou believed that in addition to being used for communication, this semicolon could also be used for some retail business. Judging from the current situation in Lingao, the retail business will be very promising in the future.
Potential, now the foundation is being laid.
Li Luoyou has already figured out the business habits of Australians during his negotiations with Li Mei and others. When Australians talk about business, they have no feelings and only rules. They don't pay attention to any hints. Everything must be explained clearly in person and everything must be done.
It needs to be put down in writing, so when negotiating, all the details about this semicolon must be discussed clearly one by one.
He already knew that the best market in Lingao was in Dongmen City, so he made it clear that the land must be in Dongmen City.
"Yes, but there are certain area restrictions." Li Mei immediately agreed, "We can only provide 200 square meters of land for construction."
"How big is this?"
"About one-third of an acre."
"How are you going to build a cabinet house?" Li Luoyou was very dissatisfied. He didn't want to build a three- or four-story building. There wasn't even a pigeon house in the yard. "I'll just pay for it."
Li Mei said: "The land price in Dongmen City is very high..."
"How much does one acre cost? I'll buy ten acres!"
"It depends on which plot you want."
"What?" Li Luoyou thought that this group of Australians were really profiteers.
"Dongmen City is now a first-class area in Lingao. Originally, land prices were the highest," Li Mei lost no time in unfolding the Dongmen City planning map. "Look, these streets belong to Class A in the first-class area. The land prices are the highest."
The highest. And the plots are generally small. The proprietor wants to buy a plot that is less than ten acres." She pointed at the planning map with her fingers, "If you want to buy a larger plot, why not buy it here? Just now
After the road is built, it will be a little deserted now, but it will be lively in a few months. It has great potential for appreciation."
"Appreciation?" In Li Luoyou's concept, except for rent-collecting fields and profitable forests, ordinary land will not have big ups and downs. Moreover, he bought the land to create a score, no matter how much the land increased.
So what if there are 10,000 hectares? Is it possible to sell the semicolon?
After some bargaining, Li Luoyou bought a ten-acre plot of land next to a newly developed street in Dongmen City. One of the acres was considered a free gift from Li Mei on behalf of the Ministry of Commerce.
Chen Ce immediately put forward the request for the two parties to establish a joint exchange business.
Li Luoyou pondered for a while. The money orders issued by Guangzhou Delong Bank have gradually become popular in Guangdong recently. Their method is nothing more than to adopt a joint number model to establish joint ventures between merchants who need to move large amounts of money.
Mutual payment is indeed very convenient for users.
However, this kind of joint exchange has great risks. Li Luoyu thought. In the final analysis, the money order is just a piece of paper, which can be used for capital flow. Now there is such a momentum that some merchants directly
The bills of exchange received are not cashed but re-transferred and paid. This is convenient, but some people will definitely think of increasing working capital by issuing false bills of exchange - the principal of one hundred taels of silver can be used as one thousand taels of liquidity. This kind of
The trick of spreading flowers by beating drums is based on credit. Once there is a problem with a certain issuing firm or accepting firm, there will be a risk of collapse.
This matter must be taken cautiously. He thought twice and decided to refuse. The reason for the refusal was not only the financial risks involved, but also the political risks. Australians are able to protect themselves in the face of high risks - he is quite sure of this.
However, it is hard to say what their properties are on the mainland. If the government turns its back and seizes and confiscates Lingao's properties on the mainland, the losses that the joint company will bear will be devastating.
Of course, whether the government has fallen out of favor and to what extent is another matter. After all, whether it is Delong or the industry under Guo Yi's name, there has never been any business claiming to be Australian. If Australians do their homework
If there is enough money and the money is spent properly, it is possible that the government will turn a blind eye to these industries or openly promote them and open them up privately.
But now that the direction of the wind is unclear, there is no need to rush to get involved.
So he declined politely.
This answer surprised Chen Ce. In his opinion, although joint exchange has risks, the benefits it brings to Li Luoyou are greater, and it can definitely be regarded as a "win-win".
However, even if he repeatedly explained to him the risk control and potential benefits of this business, Li Luoyou remained unmoved and looked away from him.
What a slippery man! Liu San was secretly worried, and he successfully reached a consensus on the other three of the four goals. Only the most important business of Delong Bank was rejected! Could it be that he was not a good negotiator? He winked at Li Mei repeatedly,
Want her to join the battle group.
Li Mei is a veteran in the business world. Seeing this situation, she knew that it would be useless to talk about it, but instead exposed her own weakness. On the contrary, the other party became suspicious, thinking that there was something wrong with Delong, and was eager to find a strong partner to inject capital.
If Shopkeeper Li thinks so, he may have to reconsider even the trade agreement, let alone cooperation with Delong.
So Li Mei intervened and slowly changed the topic to discussing business with Quark.
Quark also obtained a trade agreement: Quark has the right to sell any kind of Indian and European goods to Lingao, and enjoys the same rights as other traders to exempt some goods from tariffs.
The Crossing Group stipulated that every ship he brought to Lingao must carry no less than one-third of the total cargo capacity of Indian saltpeter and lac. In addition, he must carry an unlimited amount of woolen cloth, comb
Finished wool, tanned sheepskin and cowhide, cotton cloth, cotton, and jute. In addition, 500 boxes of Indian opium are transported to Lingao every year, packed according to the standard of 20 pounds per box. A total of 10,000 pounds.
"Excess shipments of opium are not allowed. Five hundred boxes must be shipped. All excess shipments will be confiscated." Li Mei said, "In addition, opium is not exempt from import taxes."
"That's no problem." Quark thought that opium was not in short supply. It was trafficked to the Ming Dynasty by British businessmen decades ago, and could sell up to two to three hundred boxes a year.
"In addition, there are still a few transactions to be made with Mr. Quark, but it's not time yet." Li Mei said.
"Okay, we'll talk about it later." Quark was very excited.
The trade conditions boosted Quark's spirits. Until now, he, an Englishman, had not been able to find any goods that the Ming Dynasty needed. All he could sell were spices, seafood and some rare treasures from India and Southeast Asia. Several times he
Attempts to sell British woolen cloth and Indian cotton cloth all ended in disastrous failure, and now it was finally possible to export bulk commodities.
The only thing that dissatisfied him was that he had to pay with the required circulation coupons, but Li Mei told him that he could use the circulation coupons to purchase sugar at the store. When the British man rubbed his hands excitedly. Sugar is so popular, and there is no need for it.
They had to be transported thousands of miles back to England, and then they could be obtained by transporting them to Surat. In addition to transporting them back to Europe, British merchants could also transport them to Persia and Arabia.
That night, Li Luoyou held an abacus and kept calculating which products to sell to get the maximum profit. From a safe point of view, these thirty-one packages are the most suitable for buying supplies. Although the profit is not high, how much does the other party need?
How much, the profit is very stable.
It's a pity that he sells the most profitable things, but the other party is not very interested - Liaodong products such as ginseng and deer antlers are extremely popular on the mainland, but Australians lack interest.
The most important thing is that the other party seems reluctant to sell cannons. According to his idea, money on weapons is the easiest way to make money. The Portuguese don't want to sell it.
I wonder if Runshitang is interested in these goods? Yang Shixiang should be. He knew that he had pitched this kind of goods to Yang Shixiang. He suddenly thought that since this Australian named Liu San was Runshitang’s second
He also has a share of the profits of Runshitang, the owner, and he can open up a gap from him.
But this was a long-term job, and he couldn't stay in Lingao for a long time. He thought about it, and suddenly had an idea. He called Master Han and Gu Baocheng. As for Quark, there were some things that he didn't need to know.
"Okay, we men have also seen that Australians are different from ordinary red-haired people, and they are also different from us in the Ming Dynasty." Li Luoyou said, "Baocheng, sit down and tell me, this Australian
how?"
"Australians value profits." Gu Baocheng hesitated, "But it seems to my nephew that although they value profits, they also value credit."
"Yes," Li Luoyou said, "Australians do value profit. But this group of people is still different from ordinary Westerners."
Master Han said: "If they were all about profit, they would not refuse to sell cannon to us today."
"It's still unclear whether they are willing to sell it or not," Li Luoyou said, "but looking at the situation today, it may not be possible to buy the cannon - this group of Australians may have other plans in Lingao."
"The Australians obviously have the intention of separatist rule." Gu Baocheng blurted out.
Li Luoyou patted his palms gently with a fan, and nodded after a long time: "We can't guess what they are thinking for a while. But the Australians will probably stay here for a long time. There is a lot of business to be done." He suddenly
Asked Gu Baocheng, "Baocheng, how about you be the shopkeeper of this Lingao semicolon?"
Gu Baocheng probably didn't expect his uncle to ask such a question. He was stunned and said after a long time:
"Since my uncle has cultivated my nephew, I should serve him wholeheartedly!"
Master Han knew the status of Young Master Gu in Li Luoyou's mind. He was a person who was more important to Li Luoyou than his son, and the incense of his wife's natal family. Putting him in a remote and Australian territory like Lingao? He quickly persuaded him.
Advice:
"Master, please think twice, this place is no better than on the mainland -"
"It's not a problem." Li Luoyou said, "It's actually easier to make fonts here than on the mainland."
The business and social environment here in Lingao is relatively simple, and the only ones that have to deal with it are the Australians. Unlike on the mainland, the shopkeeper needs to be well-rounded and have the means to deal with all kinds of religions to support the store. And although the Australians are profit-oriented, they are by no means
People who don't follow principles and rules are much better than Westerners.
"You are the shopkeeper here, and I will give you all the rights that a shopkeeper should have." Li Luoyou thought to himself, this child has been with him for a long time, and although he is well-informed, his ability to handle things independently is very limited.
It's hard to say, this is not a long-term solution, there must be a place to practice alone. After these two days, he is quite satisfied with the social environment in Lingao.
"Yes, my nephew must be very dedicated to his work."
"Well, you have never been on your own. You are going to get married and start a family soon, so you can't always be under my wing. The environment here in Lingao is clearer and clearer than on the mainland, and there are less messy things. You are responsible for me alone.
Don't worry." Li Luoyou breathed a sigh of relief, "Just have a good relationship with the Australians and handle business matters well."
He glanced at his nephew and then said: "I will give you an additional one thousand taels of capital for this trade name. In addition to contacting the Australians, you can do whatever business you want. As long as it is not something that is harmful to nature.
, I fully support it. It doesn’t matter if you compensate.”
"Yes," Gu Baocheng said respectfully, "I just need to ask the master to send capable stewards and assistants to assist my nephew."
"You don't have to worry about this. You can choose whoever I want - you choose who you want." Li Luoyou said, "It doesn't matter if you make the wrong choice, you can still change it if you know it is wrong."
Master Han knew what Li Luoyou meant and stopped trying to dissuade him - it was certainly a good thing to let this young master practice. However, he thought it was still necessary to remind him: "Master," he whispered, "these Australians are here
Lingao has the intention of separatism. If the imperial court sends troops to attack, Lingao will become the hell of Shura..."