"The second question I have is that the kind of silver bank you described was opened in the major state capitals of the Song Dynasty. Large sums of money can be exchanged in each place. It looks wonderful, but don't you know that it is very difficult to implement?
The capital required is huge, which is probably a big problem. Think about it, if Bianliang City deposits a large amount of money in bank, and then merchants come to Luzhou to withdraw money, how can Luzhou guarantee timely exchange? Do you have
Isn’t there a way to instantly transfer funds deposited elsewhere to the place of withdrawal?”
Su Jin praised again: "This is another key issue. Miss Yan seems to have a deep understanding of it. I admire it."
Yan Biyun was not used to Su Jin's public praise. Although she was very sweet in her heart, she was always a little embarrassed in front of so many people.
"Of course, it is impossible to allocate capital wherever it is deposited and immediately transfer it to the place where it is to be exchanged. I don't have the ability to do so; but if it cannot be exchanged in time, it will be a devastating blow to the credit. As long as the exchange is not made in time, the customer will come back again.
I don’t believe in bank banks anymore, so the capital must be abundant. I made a rough estimate. If three to five bank banks are opened at one time, at least 15 million will be needed to circulate them. If each bank bank has no
A circulating capital of more than three to five million yuan cannot guarantee normal operations."
"Fifteen million guan?" The shopkeepers almost dislocated their jaws. How could these 10 million guan be obtained? The big boss said it was easy. He even sold Su Ji up and down, including his skin and bones, and it was still not enough.
A fraction of a cent.
Yan Biyun was not surprised, and said quietly: "I'm afraid it will be at least this number, but how do you plan to solve it?"
Su Jindao: "I have two ways. One is to find partners. I plan to ask you to introduce me to some big businessmen in Bianliang when I go to the capital next year, and I will come out to talk to them. Anyone with a little vision,
They will definitely not refuse my proposal; or if they are afraid of taking risks, I will borrow money from them."
Yan Biyun frowned and shook his head and said: "This method is not good. First of all, if others don't know you, how can they dare to cooperate with you to run a bank? Moreover, it is taboo to do business in partnership. There will be many unexpected disputes, which may happen in the future.
Internal friction; secondly, by doing this, you are tantamount to handing over the bank's plan to others. If others have strong financial resources, there is no guarantee that they will not get rid of you and steal your plan to open a bank alone. Then you will be in vain. "
Su Jin sighed and said: "Then there is only the second way, attracting retail investors to deposit money to use as capital, which may solve this problem."
Yan Biyun shook his head again and said: "This method is even worse. Not to mention whether anyone is willing to deposit money at the beginning, even if they deposit, they will not make a large amount of money; if it were me, I would deposit a small amount first.
Part of it depends on the credit of your bank, and then you will deposit the subsequent money into the bank. How can you ensure the normal operation of the bank with just a drop in the bucket?"
Su Jin said with a sad face: "A hero is stumped by the lack of money. If these two methods fail, I can only open two banks for the time being. The funds on hand are enough to support the operation of two banks. I can only slowly
has developed."
Yan Biyun looked at Su Jin, with a bit of resentment in his eyes, and said lightly: "Don't you think of the Nu family? Although my Yan family is not ranked in the Song Dynasty, we can still spend millions of dollars, or the Nu family
I can tell my uncle that I can lend you money to open a bank."
Su Jinxin said: Of course I thought of your family, but it would be interesting if you said it yourself. If I reach out to you, wouldn't it be too embarrassing?
"This is not good. You have helped me a lot with the food service this time, and I have also lost a lot of money. The bank matter is not a small amount of money. I also risked all my wealth. How can I involve you Yan?"
If something goes wrong inside your home, what can I give you in return? Besides, the property of the Yan family is not owned by you alone, but is the common property of the entire Yan family. If I ask you for help, you will definitely not refuse, but in the Yan family, you
It’s hard to explain, how can I do this kind of thing?”
Yan Biyun smiled and said: "Just by lending it to you, the slave family cannot be the master, but if it is a shareholding, it will be different. The slave family is in charge of the Yan family's industry, and the right to invest and do business is in my hands. Whatever business the slave family wants to do, I can't do it."
There is no need to obtain the consent of everyone in the Yan family, the slave family only needs to inform the uncle."
Su Jinxi said: "Are you really willing to invest? This is a big risk."
Yan Biyun rolled her eyes at Su Jin and said: "Of course the Nu family knows that there are risks, but the Nu family is very optimistic about this business. Besides, you, Su Ji, are not afraid, and my Yan family is even less afraid; and the most important thing is that the Nu family believes in you.
vision."
Su Jin was so happy that he grabbed Yan Biyun's little hand and rubbed it: "I've had this idea for a long time, just because I'm afraid it will embarrass you. Now it's good. The funding problem can be easily solved. We can spread out five at a time, and the bigger the spread is, the more we can spread it."
The more it can show the advantages of Yinzhuang."
Yan Biyun quickly took out her palm, blushing with embarrassment and not daring to look at anyone. The old shopkeepers were all dumbfounded. Dadongjia actually held hands and got intimate with Yandongjia in front of his group. Su Jin was not embarrassed, but they were embarrassed;
After the coughing, the old shopkeepers all pretended to drink tea to hide their embarrassment.
Su Jin didn't realize it and said loudly: "You and I will join forces and each family will get 8 million yuan. This is the starting cost of 16 million yuan. One million yuan will be enough to buy real estate and shops and hire people. This is
It’s basically done.”
The shopkeepers' eyes were dancing on the ground. Just now, the big boss said that what he could do with five million guan, but now he has 8 million guan in his mouth. After going out for half a year, why did he suddenly come back with so much money? Don't
Having robbed a big business in Yangzhou, this method of making money is too powerful.
Yan Biyun said angrily: "Don't be busy. Since the slave family has invested in the stock, the slave family needs to know more. The money you spend must be rewarded, not just for fun."
Su Jin nodded and said: "That's natural. Our feelings are feelings, and business is business. If you have any questions, just ask. You are now the major shareholder, and I will tell you everything I know."
Yan Biyun spat in a low voice: "What nonsense are you talking about? Who has... feelings for you."
Su Jin found that he was too excited and couldn't keep his mouth shut. It was really inappropriate to say these things in front of others. He hurriedly glanced at the shopkeepers. The old shopkeepers were sitting upright, with their eyes raised to the sky, concentrating on studying a beam on the ceiling. They didn't seem to hear anything.
The conversation just now.
Yan Biyun responded to her emotions and asked: "The third question the Nu family wants to ask is whether this kind of bank can be established with the approval of the imperial court. Have you ever thought about it?"
Su Jin said in astonishment: "Does this need to be approved? We are not engaged in the tea and salt business that is exclusively sold by the imperial court. The taxes we should pay are quite a lot, and it does not harm the imperial court at all. The imperial court will not interfere with other people's business."
Yan Biyun shook his head and said: "Although the imperial court has no express regulations, how can it not impose restrictions on matters involving the circulation of coins? Jiaozi in Yizhou originally originated from the private sector, but later on, didn't the imperial court take it back to the government? Are you involved in opening a bank?
Regarding the storage and circulation of coins, the court may blame you for collecting the copper coins and not circulating them. It should be noted that the court only makes 800,000 copper coins every year. If the bank deposits too many coins in excess of the minted coins, wouldn't it cause a market problem?
Is it turbulent?”
Su Jin laughed loudly and said: "You don't understand this. Not only will opening a bank store not hinder the circulation of money, but it will speed up the circulation. Rich families hide their money in secret rooms. That is real dead money."
, if there is nothing special, they will definitely not use it; and the money is stored in a bank, whether it is used as capital or for other investments, it is precisely because of the circulation that it can be used.
It will greatly reduce the pressure of insufficient coin minting."
Yan Biyun thought for a while and said: "This seems to be the truth, but the Nu family feels that it is better to be cautious about this matter. It is best to obtain the approval from the court to avoid being slapped down by the court after the establishment, which will be troublesome."
Su Jin nodded and said: "Yes, your worries are not unreasonable. As soon as the food affairs matter is over, I will talk to Master Sansi. At worst, when I come back to see the emperor, I won't give him a reward, just an approval document; I won't need an official.
It’s meaningless if you do it.”
Yan Biyun smiled and said: "You don't want to do it? Do you think this is child's play? But since you are doing big business, you naturally need to consider all aspects. There is no need for the slave family to remind you of these things. You have considered it more carefully than the slave family."
Su Jin smiled and said: "This is a compliment to me. I just think that I can do it, but I am not as good as everyone here when I actually do it."
Yan Biyun said: "To be too modest is hypocritical. I still have questions for you to answer."
Su Jin stirred his ears and eyes with his hands and said with a smile, "I'm all ears."