"Now, his paper mill will continue to grow. It is not limited to the business in Chang'an City, but will also expand to the other four cities, Taiyuan and Fengxiang. He has already purchased land and plans to build paper mills."
"Why did he dare to take such a risk? Let him speak for himself." Li Mu motioned Feng Si to come to him, and Feng Si took out a parchment scroll from his arms. Parchment has always been one of the carriers of writing. In order to preserve it for a long time, important contracts
, are still written on sheepskin today.
Feng Si unfolded the parchment and showed it to everyone, saying: "I dare to take such a risk because of two reasons. First, with the help of the Marquis, my paper mill has signed a contract with Datang Daily. From now on,
In the next five years, all the paper used for printing Datang Daily will come from my paper mill. Next year Datang Daily will set up newspaper offices in Fengxiang, Taiyuan and other five cities, so I will invest and build paper mills on the spot.
"
Someone couldn't help but ask: "Then where did your money come from? Even if you made some money during this period, it wouldn't be enough to support the construction of paper mills in various places at the same time, right?"
Feng Si glanced at the person who asked the question, he happened to know him, and said: "Shopkeeper Zhao asked well, this is my second support. Because my paper mill has signed a contract with Datang Daily, we have
Guaranteed shipments for the next five years were guaranteed by the Ministry of Internal Affairs as "good prospects". I exchanged 30% of the shares for a capital injection of 30,000 yuan from the Ministry of Internal Affairs, and at the same time received an interest-free loan line of 50,000 yuan from the bank. I myself
With the money, plus the capital injection, and the loan of 50,000 guan, we can build two paper mills at the same time. It is more than enough and there is no burden."
Cheng Qian didn't know what was mentioned on the fourth letter. Li Mu didn't mention these things in the letter to him. Like all the merchants present, this was the first time he had heard of it.
This method of doing business is quite new. Sign a contract first, and then use it as a basis to borrow money from the bank to expand the paper mill, and there is no interest. Is there such a good thing in the world?
Cheng Qian, on behalf of the merchants, asked the doubts in his heart.
Li Mu smiled and explained: "Of course not all merchants can receive such generous treatment as Feng Si. The reason why Feng Si can receive such treatment is because I know all the details about his paper mill from the day it was born to the present.
Clearly. I know his ability and can predict the future prospects of the paper mill. The risk is within the controllable range, so I will lend him money. Moreover, there are risk clauses in the contract. If the four-cover cover cannot be supplied,
The paper required by Datang Daily, or privately increasing prices, reducing quality, etc., is considered a breach of contract. The price of breach of contract is very high. In the contract agreed between the Ministry of Internal Affairs and him, if one party breaches the contract, the compensation will be ten percent of the amount of capital injected.
Times!"
Ten times! That’s 300,000 yuan! Everyone was stunned. Such a price is almost unbearable. It seems that you need to be very cautious before signing this contract. If you are not careful, your business will belong to the Ministry of Internal Affairs.
Already.
But at the same time, the temptation is also very great.
The first temptation is the 'order' production model. Merchants are never afraid of not being able to produce something, but they are afraid of not being able to sell it. And by signing a contract before production, this risk is almost avoided. Merchants
All that needs to be done is production.
The second temptation is this ‘interest-free’ loan.
In today's market, the interest rates on loans are generally over 200%. Although the government offices have loans with 100% interest, they are basically the same. I have never heard of anyone borrowing them. The Tang Dynasty's treasury is empty.
, money is used everywhere, how can you put it in a public house and lend it to others.
If we have this interest-free loan and the order from the Ministry of Internal Affairs, our business will be booming, which is really not a luxury.
Even Cheng Qian, who was backed by the Cheng Mansion and was not short of money, was also interested in this. If he could spend other people's money to solve his own affairs, why not do it?
Without Li Mu's guidance, Cheng Qian asked what he was thinking: "Master Marquis, please tell me in detail how to get this order, and what kind of loan method this interest-free loan is. Everyone is very
interested."
"Let me explain to you first that the orders and loans are not tied together. You can also negotiate for shares. It does not mean that if you don't allow shares, you will not be able to get the orders and loans. They can all be separated."
Upon hearing this, everyone put aside most of their worries. Most of them were just agents, and the most terrible thing was that they couldn't make the decision. Big businessmen were backed by powerful people, so who would want to let others take shares?
"Let's talk about this order first." Li Mu paused and said, "The order is divided into two aspects. One is the order from the Ministry of Industry. Let me give you an example. Now everyone knows that the Ministry of Industry built a factory.
We are stepping up efforts to build the plowshare of the Zhenguan plow. As we all know, only the plowshare cannot plow the land. We also need plow walls, plow bottoms, presses, foreheads, plow arrows, plow shafts, plow tips, plow blades, plow structures and plow discs, etc.
Parts, and the Ministry of Industry has limited manpower, so it can only produce the most difficult plowshare. Someone also needs to produce the remaining parts. This is an order."
Someone got interested and asked boldly: "I wonder how many sets the Marquis plans to order?"
Li Mu curled his lips and said, "Basically, I want as much as I can make. The first batch will start from 10,000 sets."
Everyone gasped!
Ten thousand sets, how much is that? Let’s take the cheapest price, which is the usual price for a set. Of course, it can’t be so low, and the actual value is higher. After all, the Zhenguan plow can replace the oxen to a certain extent.
After roughly calculating the cost and labor, after accepting this order, the first batch of net profits will exceed 3,000 yuan. Datang has statistics of nearly 2 million farmers. Even if only a quarter of the farmers use Zhenguan plows, it is still
The volume of 500,000 sets. Ten thousand sets is 3,000 pieces, and 500,000 sets
Many people swallowed their saliva.
Li Mu took in everyone's reactions and continued: "There are also orders from the Ministry of Internal Affairs. There are many types of orders from the Ministry of Internal Affairs. Let's talk about a common one, such as palace procurement. For procurement, as the general manager of the Ministry of Internal Affairs
Minister, I naturally want to spend less money. But after all, it is a business and we cannot let everyone lose money, so I will adopt a novel situation."
"The Ministry of Internal Affairs will regularly announce the list of goods to be purchased. For example, thirty nanmu logs are needed. Three days after the list is announced, everyone will gather together to bid. The person with the lowest bid will get the order."
The one with the lowest bid? Everyone was stunned, but they immediately realized. This is not buying, but selling. The less you sell, the less you earn, and the more money the Ministry of Internal Affairs saves. The Marquis made a good calculation!
This is understandable. Li Mu's position is to make as much money as possible and spend as little as possible. And since it is a business, there will be profits. If the profits are too low, no one will do it.
How could they have thought of Li Mu's evil thoughts? This purchase order from the Ministry of Internal Affairs will be the stepping stone for orders from the Ministry of Industry. How can it be possible without vomiting out some of the fat meat if you want to eat it? Purchase orders are used to deceive people!
"The order is very simple, and those who are capable will know it. It will be announced when the time comes, and everyone will know it at a glance. Let me talk about the stock purchase and loan. These two things must be discussed together."
Li Mu smiled and said: "Don't think that I don't know. For loans on the market today, the annual interest rate is generally more than three times the principal. Even if it's a public house, it's double the interest. If you borrow ten guan, you can pay it back
Twenty strings. That's why there are rumors among the people that once you borrow money, you will never be able to get over again, and you will be a slave for the rest of your life."
"You are all businessmen, and you will definitely not engage in such a loss-making business. But it will be different from today. Everyone must have seen the bank next to the Yamen of the Ministry of Industry. As long as there is a mortgage here, you can get a loan. One-year interest.
, no more than three points. In other words, you can borrow ten guan at the beginning of the year and pay back 13 guan at the end of the year. It is ten times less than the loan interest on the market! On this basis, there are also advantages, if it is a short-term loan
, less than a year, the interest money is even less, and the interest rate for loans within three months is only one cent. Such a low interest rate cannot be compared with Fan Li in the Spring and Autumn Period, but it is also the lowest interest rate on loans after the Qin and Han Dynasties!"
All the merchants nodded. They were doing business and dealt with money every day. They knew better than anyone how much the interest on the loan was. There were also those people with sad faces. They all had a loan business. Now this bank
As soon as the ultra-low interest loans came out, their loans with three times the principal and interest came to an end.
"If you have spare money, you can deposit it in the bank. The bank will help you release it. The interest rate is between 5% and 2.5%, and the bank will make a commission of 5%." Li Mu smiled very irritatingly:
"As soon as the bank's loan comes out, your lending business will come to an end. If you have spare money, you might as well consider it. Although it is not more profitable than your own lending, it is better than stability. The bank is directly under the Ministry of Internal Affairs, and the money of the Ministry of Internal Affairs, whether it is
Regardless of whether you are a relative of the emperor or a noble family member, no one can think of not paying what you owe. Please rest assured on this point."
No one doubts this, Li Mu can do what he does.
"At this point, some people may think it's unfair. Why can the paper mill that seals the four-page paper get an interest-free loan, but our loan requires interest? I will also explain to you that the Ministry of Internal Affairs acts in the most fair way. The four-page seal can
There are two reasons for getting the interest-free loan. One is that the paper shop on the front cover supplies paper to the Superintendent of Printing. The Superintendent of Printing is also under the control of the Ministry of Internal Affairs, and the four cover can also be regarded as solving problems for the Ministry of Internal Affairs. The other is,
The most important point is that for any transaction that has been reviewed by the Ministry of Internal Affairs and meets the standards of the Ministry of Internal Affairs, and involves the participation of the Ministry of Internal Affairs, interest-free loans of varying amounts can be obtained. This is also one of the means by which the Ministry of Internal Affairs supports your business!"
When the merchants heard this, they completely understood Li Mu's routine.
The jobs he couldn't finish were distributed in the form of orders. For example, he made the Zhenguan plow and the irreplaceable plowshare himself, and everyone helped him make the other wooden parts. Then he assembled them and sold them, making the bulk of the money.
Still there with him.
As for this loan, it is even more despicable. Although he is not forced to buy shares, if you don't let him buy shares, he will charge you interest. Isn't this still blocking both sides?