Chapter 97: That's it... what's the urgency of the cold man?
After Zhu Yan read the introduction of the jade shop, she said thoughtfully: "My lord, I have a few things that I don't understand. I would like to ask my lord to clarify my doubts."
Jiang Yao showed a satisfied smile: "But it doesn't matter."
Zhu Yan considered it and said: "First, what if we borrow money from the jade shop to practice martial arts and escape, or are killed outside?"
Jiang Yao nodded, "That's a good question. The way to get rid of it is to mortgage the cave! If they can escape, martial arts cultivators can't escape from the cave. Besides, can they never return to their place of origin? How far can they run?"
Unlike the monks in the novel who travel everywhere and are at home across the world, the vast majority of monks in this world do not leave their sect, or even their place of origin.
The reason is very simple. The first is that foreign monks who do not have their own Qi and Blood Talisman will be taxed more heavily and will be taxed twice.
For example, a person has paid taxes in Qingcun, but when he travels to Gancun, he has to pay it again. If he goes to Zhengcn again, he has to pay it a third time.
It doesn't matter if you have paid it elsewhere.
This means that as long as you leave your hometown, the further you go, the higher the cost will be. That is using your hard-earned money to travel, and the more you travel, the poorer you will be. There is no such thing as poetry and distance.
People from far away have not discovered the opportunities in their local area, but you, a foreigner who has traveled thousands of miles in the past, can discover it?
The second is that the farther you go, the more dangerous it is, and the greater the chance of death. There is a serious imbalance between risk and reward.
Third, daily expenses will increase dramatically. The inn alone will make people regard long-distance travel as a daunting journey.
Therefore, those who travel far away are not ordinary people. Most low-level martial arts cultivators have never even left their own sect. Even more extreme, they have never left their local area.
It's nice to be at home every day, but everything is difficult when going out.
Jiang Yao continued: "If you don't have a cave, you can mortgage the magic weapon that you won't use temporarily. If you don't even have a magic weapon, you need a guarantor... If you don't have anything, you won't be borrowed."
"The value of the borrowed spiritual jade can only reach 80% of the collateral at most. It is also divided into different loan amounts. The amount is lower for those with low cultivation level, and the amount is higher for those with high cultivation level. Also, we will not lend it to foreign troops for the time being.
To practice, you must have the qi and blood talisman of your origin."
People born in different places, due to differences in ancestral bloodlines and water, soil and temperament, all have different regional energy and blood, so they are registered in the local martial arts clan or lord's house.
The function is similar to that of the ID card and household register.
If not, he is a black cultivator. Once he is found out, there will be countless troubles. Jiang Yao is a black cultivator, but before he was found out, he hooked up with Han Cang, became a retainer, and quickly registered a new one.
identity.
Zhu Yan understood that it was a good idea to mortgage the cave. Most martial arts cultivators still had their own caves. Even if they didn't have caves, they would still have two magic weapons.
Regardless of whether he defaults on his debt and escapes or is killed, the jade business will not suffer any loss.
"My lord is clever." Zhu Yan said, "The second thing is, if the people who store the spiritual jade rush together to withdraw it, and the jade shop has already loaned out the spiritual jade, what will be given to the storer?"
Jiang Yao glanced at Zhu Yan approvingly and explained patiently: "This is called a run. It can be easily solved. Martial arts cultivators have to pay martial taxes, alms, and purchase spiritual rice and other items every year. These are all essential."
"If the Jade Bank is temporarily unable to pay due to a run on the company, then the taxes will be deducted in exchange for spiritual rice and spiritual materials. Don't forget, the Jade Bank belongs to the lord's house. Even if the payment is really delayed, what can they do? Do they still dare to rebel?
"
Zhu Yan thought this was feasible, so she came to the third question, "Once the jade shop is opened, it will store a large amount of spiritual jade, which may attract powerful thieves to rob it, making it difficult to guard against it."
Jiang Yao smiled and said: "That's easy too. The jade warehouse is set up in the lord's palace, and there is a large protective array to ensure that there is no danger. Ninety-nine percent of the money taken in by the jade bank must be sent to the jade warehouse in the lord's palace for storage. The jade bank only has
Save a minute. If you need it, call it anytime."
"In this way, even if the jade shop is attacked and robbed by thieves, they won't be able to steal anything. Unless they have the ability to break through the lord's palace formation."
Only then did Zhu Yan feel completely reassured, "My lord's plan is comprehensive and completely feasible. The first is to cast copper coins, and the second is to establish a jade shop. These two major events, I will definitely handle them properly."
She also came from a poor family. Although her training resources were barely sufficient, she never thought that one day she would be able to enter the lord's mansion and prepare for such major events.
This made her feel very fulfilled and very grateful to Jiang Yao. A life of cultivation without a career is really boring.
"My lord, my Mingshan martial arts cultivator has more than 6,000 natives and about three to five hundred martial arts cultivators from outside. Although most of them come from poor backgrounds, they should be able to absorb a lot of savings."
Jiang Yao was very concerned about this issue, "You are a local, estimate how much deposits you can absorb."
Zhu Yan made some calculations in her mind and said very conservatively: "I believe that at least one million is still available. There are still some rich people with skills, all worth tens of thousands, their cultivation level is not too high, and they are worried about being robbed by thieves.
, I guess I am willing to save some spiritual jade."
When Jiang Yao heard one million, he nodded secretly. This figure was similar to what he estimated. Both of them thought so, that one million should be there.
This money is enough for him to start his plan.
It’s not just as simple as opening a small Mingshan Jade Shop. How much money can a small Mingshan earn with interest? It’s hard not to lose money.
It was just the first step in his business plan.
With sufficient financial resources, many things will be easier to handle.
Jiang Yao warned: "The original intention of launching the jade business is the urgent need of the poor people. This point must be made clear so that they know that the lord's mansion's painstaking efforts in running the jade business are to train the poor people, not to make profits."
Zhu Yan smiled knowingly, "Your Majesty, I understand."
Jiang Yao looked playful and tested again: "Then tell me, should our jade business be profitable or not?"
Zhu Yan thought about it for a moment, then smiled sweetly and said: "To return to my lord, of course Mingshan Jade Shop is losing money. It will suffer a slight loss every year, and it all depends on the subsidies from the lord's palace. After a few years, the retainers have suggested that it be closed down."
Jiang Yao was very satisfied with Zhu Yan's answer, "Yes, that's what it means. If outsiders think that Mingshan Jade Shop is just making money at a loss, it probably won't last for a few years."
"I will allocate a sum of money for real building materials and recruit casual cultivators to build the Yuhang Commercial Building. The scale does not need to be large, two acres is enough. You go down first to prepare two major things."
When Zhu Yan was ordered to leave, Yu Kuan immediately said: "That's it? What's the urgent need of the cold-hearted people? Are you planning to misappropriate the jade from this jade shop?"
Jiang Yao smiled, "What do you think?"
Yu Kan said like a young adult: "If you can't mend the hole by then and cause a big problem, I won't care about you."
"Jiang Yao, although the business method is simple, the risks are also high. If you don't pay, they will really dare to rebel."
Jiang Yao touched her little head and said, "The timid will starve to death, and the bold will die of exhaustion. Don't worry, I know what's going on."
He walked to the front of the court, looked at the white clouds in the sky, shook his feather fan leisurely, and said leisurely: "Do you know what Zongheng is?"
Yu Yan sneered, "Heh."
Jiang Yao waved his feather fan, "The so-called vertical and horizontal ones lead the era horizontally and change the future vertically. Heroes from ancient times are nothing less than this!"
Yu Kuan wore two small buns and lowered her head to play with her nails. After a while, she raised her face and looked at the sky, "Why is the sky so dark?"
Jiang Yao touched Ah Jiu's cockcomb and said, "Ah Jiu is not like you. He is used to seeing the Spring and Autumn Period and seeing all kinds of heroes, so he trusts me."
But there was an indifferent sarcasm in Ajiu's snake eyes, as if he was dissatisfied with Jiang Yao's deliberate misunderstanding of him.
Yu Kuang nodded, "Okay, you are a great hero throughout the ages. Don't call me bragging again."
She stamped her foot, "I want to eat the braised fish you made yourself!"
However, at this moment, a rune suddenly came and Jiang Yao stood up immediately.
"I can't finish your braised fish." Jiang Yao smiled bitterly, "The Lord's Mansion has convened a meeting, and I have to leave now."
Yu Kuan also got up, opened his two little arms, and said with a sly smile: "Who said you can't eat it?"
"Okay." Jiang Yao picked up the little thing with a headache and walked out.
"Come, prepare medium-thousand-mile horses and go to Qinghuang City!" the Lord Lord ordered.
"promise!"
Soon, five medium-thousand-mile horses rushed out of the lord's mansion and headed for Qinghuang City like lightning. In addition to Jiang Yao and Yu Yan, there were also four people including Feng Ke.
Three hours later, Jiang Yao returned to Qinghuang City.
When he arrived at the emperor's residence, in addition to the vassals from further away, more than a hundred retainers were all present.
The discussion actually started early, and it was impossible to wait for Jiang Yao.
"My lord, Jiang Yao, has met my lord!" Jiang Yao paid homage to Lord Qinghuang who was sitting on the throne.
After not seeing each other for more than a month, Master Qing's demeanor became more majestic, and Jiang Yao couldn't help but become more cautious.
This is a strong man in the early stage of the Martial God, and the leader of the newly promoted second-class martial lord!