After listening to Liu Jin's detailed explanation, Zhu Houzhao's little eyes immediately narrowed. He instinctively felt that this thing was very good. If it could be done, he would not have to worry about running out of money in the future.
"Of course it's interesting. As long as our bank can be run, we can use other people's money to do big things in the future. And when the banknotes discovered by our bank have established credit and people gradually become accustomed to using and relying on them, we will really
You no longer have to worry about money."
Liu Jin smiled and nodded and said, the bank must do it.
It is not just about issuing banknotes, issuing uniform specifications of silver coins and gold coins, and controlling currency power. More importantly, it is also necessary to find ways to dig out the silver and gold buried in the ground during the Ming Dynasty, so that the money can be circulated on the market and promote
The development of the entire Ming Dynasty economy.
One of the most basic functions of a bank is to attract deposits and give a certain amount of interest, which will gradually attract people to deposit money. After all, money stored in a cellar has no effect, and there is even a fear of being stolen.
Putting it in a bank can not only provide insurance, but also money can generate money. As long as this is slowly promoted, more and more money will be deposited in the bank in the future.
If you have money in your hands, you can invest it casually and still get more than just the interest.
"Okay, okay, this can be done."
Zhu Houzhao nodded like a chicken eating rice. As long as he can make money, he can talk about anything. Anyway, now he only recognizes money and not people. He who has money is the master. What kind of prince is he? Without money, he is nothing.
Just like Emperor Hongzhi. Without money, Emperor Hongzhi's three meals a day were not as good as the life of some landowners in Jiangnan. Even Queen Zhang had to follow the weavers, and no one believed her.
"Your Highness, this matter cannot be rushed. I will go back and come up with a proper charter. In addition, this bank matter is too big and cannot be handled by the two of us. We also need to involve His Majesty and some dignitaries in the court."
Liu Jin thought for a while and felt that running the Central Bank of the Ming Dynasty was too big a task. His small arms and legs must not occupy the majority. He could only occupy a small share. It could be regarded as the greatest wealth left to future generations. As for
Let's let Emperor Hongzhi and Zhu Houzhao be the big ones, they have thick legs.
If there is a conflict of interest between the Central Bank of the Ming Dynasty and the Ming Dynasty court in the future, they will be the biggest vested interests and will naturally find ways to protect their own interests.
As for the Ming Dynasty, Liu Jin felt that no matter how good things were given to these civil servants, they would be played to death by them. Private ownership of this kind of things was more reliable, because only private individuals would really care about it and truly manage and manage it with their heart.
develop.
"Okay, let's talk about it then."
Zhu Houzhao nodded. Lao Liu was very confident in doing things. All he had to do was act as a shield and wait for the money to be divided.
Liu Jin and Zhu Houzhao are running the Jingcheng Textile Factory. On the other side, our classmate Wang Shouren also asked for 10,000 taels of silver from his family and is also planning to open a Caiyun Textile Factory.
After listening to Liu Jin's words, he felt that economics contained many great principles, so he also wanted to learn from Liu Jin himself, set up a factory by himself, and experience for himself how to operate and manage a factory.
, see if it is the same as what Liu Jin said.
Wang Shouren's Wang family is a big family in Yuyao, Zhejiang. The Wang family itself is very wealthy. In addition, Wang Shouren's father Wang Hua is the number one scholar and is now an important minister in the court, although he has not yet reached the level of six ministers and nine ministers.
But everyone knows that this is just a matter of time. You must know that he is now Shao Zhan of Zhan Shifu and a senior official of the fourth rank.
Therefore, when the Wang family reaches Wang Hua's generation, it is natural that they have made further progress. They are a well-known family in Zhejiang, with countless fertile lands under their command and industries spread across various fields.
Wang Shouren wants to set up a Caiyun Textile Factory here in the capital. It is of course extremely simple. It requires people and money. The Wang family has a cloth business in Zhejiang. A letter from home was sent, and half a month later, it was done.
Someone arrived in the capital from Tianjin by sea ship.
As for land, the Wang family is not short of it. Not only is there fertile land in Zhejiang, but the Wang family also has a lot of land around the capital. Scholar Liu Jin can just carve out a piece of land at will.
At Caiyun Textile Factory, Wang Shouren was inspecting the textile factory. Next to him were two people from the Wang family's branch who had experience in the cloth business sent by the Wang family from Zhejiang. One was named Wang Gui and the other was named Wang Xian.
Both men are in their forties and have very rich management and business experience. They have been managing the Wang family's cloth business.
"Sir, the price we offered is too high. With the price of two taels of silver a month and having to take care of three meals a day, we will definitely lose money."
Wang Gui listened carefully to Wang Shouren's plan for the Caiyun Textile Factory, and couldn't help but say after listening.
The Wang Shouren in front of him did not want to stay in his Hanlin Academy, but he wanted to run a textile factory. This was not a matter of neglecting the basics. How could he, a scholar, know these things?
As far as the moon sound is concerned, here in Zhejiang, offering one tael of silver for a month's moon sound is enough to make countless people sharpen their heads to work for you.
He actually wants to open a moonlight for two taels of silver and take care of three meals a day. This is not doing business or doing business. This is simply opening a charity hall and doing good deeds.
"Yes, sir, the ringing is too high this month, we will definitely lose money."
Wang Xian also said with great certainty.
"Are you sure that you will lose money on two taels of silver a month?"
Wang Shouren nodded after hearing this, thought for a while and asked.
He already knew that the textile factory in Beijing run by Liu Jin had begun to recruit workers, and they were recruiting women from the capital. The wages offered were only two taels of silver and included three meals a day.
He felt that since Liu Jin could make money by opening such a job, there was no reason why he couldn't make money, and he didn't really just open it like this randomly.
Nowadays, the demand for labor in Beijing is very high. Various factories and workshops, large and small, have sprung up like bamboo shoots after a rain. They are developing rapidly, so that the labor force here in the capital has become extremely scarce and tight. In many cases, two days a month
It is difficult to recruit people with only two taels of silver per month. As for three meals a day, this is almost standard.
"You will definitely lose money~"
Wang Gui said with great certainty, then thought for a moment and said: "Sir, a piece of cloth on the market now, an ordinary piece of cloth, costs about three hundred coins."
"A skilled weaver, even if he weaves all day long, can barely weave one piece of cloth in four days, and can only weave about seven pieces of cloth in one month."
"These seven pieces of cloth only cost about 2,100 yuan, not even 2 taels of silver. What's more, we still have to buy cotton, as well as the damage to the machine, labor, energy, time, etc."
"For a monthly payment of two taels of silver, there is definitely no money to be made, and there will also be a loss of blood."
Wang Gui settled the accounts for Wang Shouren very simply, which made Wang Shouren frown immediately.
Wang Gui is an expert in this field. He knows exactly how long it takes to weave a piece of cloth, how much money can be purchased, and how much cotton is needed. He just does a simple calculation. Wang Shouren's moon price is two taels of silver.
Recruiting workers is definitely a way of opening a charity hall to do good deeds.
"It doesn't make sense. This Liu Jin pays the same monthly salary. He can make money, why can't I make money?"
Wang Shouren immediately began to think. He is a very good thinker. He also knows clearly that Liu Jin is definitely not doing charity. Every industry he runs is extremely profitable, and the profits are astonishing. The textile factory he opened
This is certainly the case.
"Sir, Liu Jin and Liu Zhuangyuan are afraid that they will have to make a loss this time. No one can make money at such a high price anymore. I have been doing this business since I was a teenager and have been doing it for almost thirty years.
Yes, I can guarantee it."
Wang Xian heard Wang Shouren's words and said with certainty.
"You have just come from Zhejiang, so you may not know much about Liu Jin. Any industry he builds is very profitable. He can do things that many people think are impossible and make a lot of money.
"
"You know this briquette? Xishan Coal Industry earns millions of taels of silver every year just from making this briquette. He will not do business at a loss."
Wang Shouren said with certainty that he had done some research on Liu Jin and came to the same conclusion as Zhu Houzhao. Liu Jin was not a person who made losses.
"Sir, we know that Liu Jin is a son of an elite and has great talents, but we have been in the weaving industry for a lifetime. We can be sure of this. It is absolutely unprofitable to open such a high moonlight.
Those who get silver."
Wang Xian smiled and said with the same confidence that they knew very well how much profit could be made from the weaving business, and felt that even the descendants of high-ranking people would probably fail in the field of textiles.
"Let's not talk about whether he can make money. Let's recruit our looms and workers first. Uncle Gui will be responsible for the looms, and Uncle Xian will be responsible for the recruitment of workers."
"Uncle Xian, you can pay as much as you think you can hire people. Anyway, as soon as the machine arrives, there must be enough workers to do the work."
Wang Shouren smiled, thought about it and stopped arguing with them about this matter. Whether he could make money or not was not important. The key now was to set up the textile factory first, and then figure out how to make money.
"Yes~"
The two of them nodded at the same time, and then Wang Xian thought for a while and then seemed to hesitate. In fact, he really wanted to ask Yiwen Wang Shouren why Hao Duanduan wanted to set up such a textile factory.
