At this time, there was flying snow in front of Jiaoyin Prison. It was approaching the Laba Festival and it was freezing cold. Cai Jing ordered people to add a few more charcoal basins.
Zhang Yue took a look at everyone's expressions.
Everyone didn't say anything in person. I heard that no one was talking about the idea of seducing him into prison, so they didn't pay much attention to it yet.
Zhang Yue saw that everyone was not aware enough, and he also knew that his views were indeed ahead of his time. In the past, there were evil tendencies in business management, and he deliberately did not run it well.
Why? I'm just afraid that after the business is done, people will take notice of you and transfer you here and there, and then send someone down to plant peaches or send someone to plate gold, so I'm dragging you around to death, privately.
While reaping the benefits, the uninformed employees below only scolded the leaders.
This is also the reason why Zhang Yue wants to establish a board of directors and conduct mixed operations...
Next, Cai Jing reported to Zhang Yue the operation of the Exchange for one year.
Cai Jingyan said that two treasury banks have requested gold, silver and salt banknotes from the Exchange for loan purposes.
One of them, Mr. Lu, was well-known in Bianjing. Zhang Yue had also heard of him. He said that he had four wishes in his life: first, his clothes would not be torn, second, he would not be able to eat anymore, third, he would find things he found, and fourth, he would dream of ghosts at night.
pay.
Regardless of the other three wishes, the fourth wish is a classic and even saves money on visiting the brothel.
On weekdays, Mr. Lu was the one who had fleas on his back and scratched the paint off the skin of black beans, but his business was "stopping on the bed to detoxify", which was a daily profit-making business.
Another family was a merchant from Huzhou. This lake was not Huguang, but Taihu. This was a prosperous place in the Song Dynasty, and the merchants were also great.
Hu merchants not only operated the treasury but also had bookstores. The treasury went to Beijing to lend money to the candidates who were elected and re-appointed. This was called Beijing debt. When Zhang Dexiang learned about Yushan County, he went to his post with 800 yuan of Beijing debt.
Several eminent monks in Yushan County generously donated money to repay his loan and solved his urgent need. Zhang Dexiang even wrote a poem to express his gratitude.
As for the bookstore, Zhang Yue had seen it when he was a student. In addition to helping the scholars with their studies and exams, he also lent money to the scholars.
Now both Hushang and Zhang Yuanwai have approached the Exchange.
Zhang Yuanwai borrowed 200,000 gold, silver and salt banknotes from the Stock Exchange at a monthly interest of 6% (annual interest of 7.2). As for Hushang, he borrowed money from the Stock Exchange at a similar monthly interest.
Three hundred thousand dollars.
Both of them used the property and houses in Beijing as compensation.
Of course, these two families are not doing good deeds, they just gave the money to the Exchange for free. After they borrowed huge sums of money from the Exchange, they then poured the huge sum of money into their own treasury and book shop, and paid it at a higher interest rate.
Loan it again.
The Zhiku Library was not the last place to lend money. There were people under the Zhiku Library who specifically lent money to the people and collected interest at different levels.
Cai Jing heard this was a good idea.
Because it is a taboo for the government to openly lend money to the private sector, it is impossible for the prisoner to come forward on his own. Instead, the money is handed over to the private treasury to loan the money out. This saves trouble and earns interest every month.
This is like the central bank setting an interest rate, lending money to local banks, and the local banks lending it out at a higher interest rate, and finally returning the money to the central bank at the original interest rate.
The central bank eliminates the need for private lending.
Cai Jing felt that this transaction could be done, and it would also be beneficial to the Exchange.
Because the exchange of salt banknotes in other places requires a handling fee of NT$1,000 and NT$50.
As long as the Exchange can issue loans, it can encourage merchants to store more gold and silver in the Exchange with the discount of handling fees. It can even improve business links in the future, save costs, and also provide long-term (
Such as three-year term, five-year term) merchants who deposit gold and silver earn a certain amount of interest.
Zhang Yue looked at Cai Jing speaking plausibly, but showed a look of regret.
Is Cai Jing incorrect?
Isn’t Cai Jing smart?
But is it true that the shrewd Cai Jing can be used?
Historically, the annual income of salt banknotes in the Northern Song Dynasty was only more than 2 million guan. Cai Jing reformed the salt law. In addition to dissolving salt, Huai salt and Zhejiang salt were also included in the category of salt banknotes. The annual income of salt banknotes in the Song Dynasty reached more than 2,000 guan.
It's doubled tenfold.
When Emperor Huizong of the Song Dynasty saw Cai Jing converting the salt banknotes into money and moving them into cabinets and cabinets in the imperial court, he proudly said to his left and right: "This grand master is giving me an extra gift."
People in the Song Dynasty commented on Cai Jing's reform of the banknote method, saying that the court only used salt banknotes for rewards, not gold and silver.
This sentence seems to be praising Cai Jing, but the next sentence is another sentence, but one day he is a wealthy businessman, and in the evening he is a beggar!
So what if Cai Jing was good at managing money? The Northern Song Dynasty died.
Zhang Yue thought of this and suddenly said: "Everyone, what do you think you are doing by handing over to prison?"
Shen Yan, Shen Chen, and Cai Jing couldn't help but be stunned.
To lower the price of salt in the capital?
To save the salt banknotes?
For the circulation of salt banknotes?
Cai Jing thought about several answers in his heart, but they all felt right and wrong. With Zhang Yue's words, he would not ask for it.
Ana Shen asked calmly: "Dare I ask the bachelor, what you are doing is a matter of revenue for the treasury?"
Zhang Yue was noncommittal.
Zhang Yue put on his cloak and stood up and walked to the eaves. Outside the hall, the sky was covered with snow. He put his hands into the charcoal basin to warm his hands. After the fire warmed his hands for a while, he said: "Back then, I once said to Wang Jiefu that the money in the world should be divided.
For the third class, the first class earns it through hard work, the second class earns profit, and the third class earns it as land rent!”
"How much money do you think I earned from sex work?"
Cai Jingdao: "Ground rent!"
Zhang Yue said: "Yes, it is the money from land rent! The money from land rent is money born from money. I call it capital!"
"I would like to ask you, is it easier to get money from work? Or is it easier to get money from capital?"
"The annual salary of a Song Dynasty Imperial Guard is fifty guan, and the interest of 500 guan is still 50 guan at 10% per year. So is the life of the imperial guard worth 500 guan?"
Speaking of this, Zhang Yue thought of the old man who begged in front of the exchange station that day, the man who jumped into the water from Bian Bridge and died, and Liu Zuo who is still unconscious on the couch.
Putting his hands together, Zhang Yue glanced at Cai Jing and said, "Don't forget, this exchange belongs to the imperial court."
It is too easy to use financial means to make money. Once a person gets a taste of it, he will never be able to quit. Just like when a person is young and does not engage in production, but wants to make a fortune through stock trading or even gambling, even if he makes money, he will sooner or later fail. Lose.
Only productivity is the foundation of social prosperity!
Although Cai Jing, Shen Yan, and Shen Chen were outstanding talents for a while, what they lacked was vision and structure.
Don't be afraid of the floating clouds covering your eyes, just because you are at the highest level.
The pursuit of profit by capital makes people obsessed with the appreciation of capital, and turns the capital that serves people into people who serve capital.
So what is the purpose of the CTO?
Or why does Zhang Yue set up this reference office?
Zhang Yue thought of Li Hongzhang's words.
To enjoy happiness is not to be an official. As long as you have money in your pocket, grain in your granary, and poems and books in your belly, you will be the prime minister in the mountains. I pray that you don’t need to take medicine in the new year, and that you will be free from illness, worry-free, and have no creditors. You will be called a god on earth.
Why do you want to be an official?
For money? It's enough to eat the wife's food.
To be the supreme minister? He has the ability to be the leader, the emperor is dual-minded, and he has the ability to make decisions. As long as he does not stand in the wrong team and moves step by step, he can still rise to the top even if he has not endured thirty years of experience.
So what do you seek from being an official?
Zhang Yue cast his eyes towards the pond in front of the hall, but saw the snowflakes sinking into the pond, dissolving without a trace.
In addition to pursuing money and power, the higher level is to display one's ambitions and make one's ideal destiny closely related to the country and the nation.
The country will be revitalized because of my efforts, and the nation will rise because of my efforts!
It sounds a bit loud to say it, as vague as throwing a stone into the sea.
But Jingwei's reclamation of the sea is the spirit of the Chinese nation. Hasn't it been done by generations of sages throughout the ages?
In this case, I'll give it a try in this direction, but I don't know if it will work or not.
Thinking of this, Zhang Yue picked up a stone from in front of the hall and threw it into the pool.