Section 27 of the T-Word Volume: Consortium of Interests
Lin Ruhai really wanted to get to know the other party's background. He wanted to see how deep the other party's background was.
When she was determined to marry her daughter, Lin Ruhai had three options.
First, Feng Ziying is still immature and lacks strength. So some connections and some of her family assets can be left to him and his daughter. This is the most conservative and safe way. From the heart, Lin Ruhai also feels that it is the most suitable for her.
Thoughtfully, he only hopes that his daughter will have a bright and happy future, and he does not necessarily need a husband with great fortune.
Second, Feng Ziying has indeed grown rapidly and has considerable strength. For example, with the support of Qi Yongtai and Qiao Yingjia, if she wants to start a career, most of her political and personal resources, including Wang Wenyan, can be handed over to him, but this requires
A very clever method to take over.
Third, Feng Ziying is indeed a genius. She is very mature in every aspect and has the support of all parties, especially the cabinet and the emperor. Then she can leave everything to him. In that case, the family assets will be secondary.
Many unknown secrets can be handed over to him. As for whether they can be used, how to use them, and when to use them, it is up to Feng Ziying to consider.
Lin Ruhai also knew that what happened to Feng Ziying could not be determined by just a few conversations. It would take time, but he had to seize the time to proceed. Otherwise, if the Supreme Emperor or Emperor Yonglong had other ideas and took action first, he would be passive at that time.
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"Uncle, my nephew really values the bank. In my nephew's opinion, sea trading is a huge and complex business that involves many industries. It is not just as simple as sea trade, but also involves a series of industrial businesses.
It is closely related to people's livelihood. To give a simple example, if Ningbo opens to the sea, then Ningbo's shipyard will inevitably expand and expand, or even expand several times. A new shipyard may require skilled craftsmen, handymen, and huge investment.
The investment is easily two to three hundred thousand taels of silver. The question is who can easily come up with this money? If you can't get it all, if you borrow usury money, maybe the shipyard will be bankrupted by the loan shark interest before it even starts construction..."
"Similarly, a large amount of tea is needed to open the sea. The Chashan tea factory may need to be added and expanded. It will face the same situation. Where can ordinary people get so much money? Most of them can only borrow it, and my uncle should know that the current private
How high the interest rates on loan sharks are, which is unacceptable for those who want to expand tea gardens, tea factories, silk workshops, medicinal materials workshops, and other similar businesses. Maybe my uncle will say that we can accumulate slowly, but now we hope to be able to accumulate it faster.
To advance this step,..."
"So you want to set up a bank to lend to these industries and support their new construction and expansion? The purpose of setting up the bank is not to facilitate deposits and withdrawals and collect custody fees, but to specifically lend money?"
Lin Ruhai couldn't believe it.
Nowadays, banks and money shops deposit money for the convenience of making a living, so they need to pay custody fees for bank deposits. It cannot be said that there is no borrowing. However, firstly, the card is extremely strict to avoid risks, and secondly, it is not the norm, so this kind of
The business dedicated to deposits and loans has not become popular among money shops and banks everywhere, and it is even more unique among Feng Ziying who comes directly for this purpose.
"Then where does the capital of your bank come from?" Lin Ruhai couldn't help but ask.
"This is exactly the problem that troubles my nephew. Mr. Cui and I have discussed it, that is, we hope to raise some money to support the development of these related industries..." Feng Ziying also heard what Lin Ruhai meant, and was a little surprised.
"Yangzhou has many merchants, developed commerce and trade, and a huge currency circulation. We feel that if we can set up a bank in Yangzhou, we can support the development of these industries."
"There should be many silver shops and money shops in Yangzhou..." Lin Ruhai said in a deep voice.
"Their bank and money shops have completely different ideas from ours. Our purpose is to support the development of the business industry. This is the main purpose. The second is to connect the world, and the third is to make profits. Of course, this also needs to be based on profitability.
On top of the basics, otherwise this bank will not be able to operate for a long time..."
Lin Ruhai nodded slightly, doing something with the purpose of not making a profit, but the result was not very good. In business, if it is difficult to guarantee the capital, how can you keep this business going? This is Feng Ziying's point of view.
Still relatively sober.
"Ziying, I understand what you are thinking. So what do you think this bank is planning to do in conjunction with the Ministry of Finance?" Lin Ruhai asked: "Have you considered that the Ministry of Finance is now in poverty? If this bank
Zhuang is established, I'm afraid the cabinet and the Ministry of Revenue will be the first to help themselves. If the Ministry of Revenue wants to borrow money, how will you deal with it?"
Lin Ruhai's words hit home.
"This is also a problem that my nephew has been struggling with. If the Ministry of Household Affairs is excluded, money can be raised as equity. Without the support of the Ministry of Household Affairs, it will be difficult to rely on government resources for many things, and development will definitely be restricted. However, it can be included in the Ministry of Household Affairs
, Just as Uncle Rui said, when the Ministry of Household Affairs reaches out, Yinzhuang itself has no ability to resist. It itself is a shareholder..."
Feng Ziying actually did not have an in-depth discussion with Cui Jingrong on this issue. He only said that if a bank dedicated to deposits and loans could be established to support the development of industrial businesses, this suggestion received great support from Cui Jingrong.
Cui Jingrong is very optimistic about the development path of Feng Ziying's tribute brick industry in Linqing, and feels that this can actually be replicated in many industries. Of course, these industries should have prospects, such as industries with vast overseas markets that can be quickly transformed into maritime trade.
For example, silk, porcelain and tea are three strong industries.
"Then you have to think carefully. There are gains and losses. With the support of the Ministry of Revenue, you can indeed get government support for development in various places, but there are also disadvantages. Unless you can reach a certain agreement with the Ministry of Revenue, you cannot reach out at will. In addition, if the Ministry of Revenue
No, then you can also consider the problem from another angle." Lin Ruhai said softly, "You can still achieve unexpected results."
"Huh?" Feng Ziying hadn't reacted yet and looked at her prospective father-in-law in confusion.
Lin Ruhai smiled, but said nothing and walked forward with his hands behind his back.
Feng Ziying concentrated on thinking, and suddenly she suddenly became enlightened. She walked a few steps quickly and followed behind Lin Ruhai: "Uncle, do you mean the emperor?"
"Well, I guess when you come up with this idea, many people may not be optimistic about it. Most people will think that it is just a piece of money that is lost in water. If the Ministry of Revenue is involved, they will think that it is the imperial court.
No one would take the initiative to borrow money or even donate money in disguise, but the strategy of opening up the sea was strongly advocated by the emperor. So if the emperor takes the initiative to demonstrate, at least the effect of this gimmick will not be bad, and at least it can give other people something to talk about.
The idea of being a consolation can at least show the emperor's support for the strategy of opening up the sea. As for other effects, it is even more profound..."
Feng Ziying couldn't help but want to give her prospective father-in-law a thumbs up, he was really awesome!
The emperor's investment is of extraordinary significance, and it can also have the same effect as the household department's investment in shares. It is obviously much simpler and easier to convince the emperor than to convince the household department who is so poor that he just wants to make money everywhere.
And judging from the current observations of Emperor Yonglong, this emperor indeed wanted to revitalize the country and get Zhou Dynasty out of its current predicament. He could use his ambition to promote the realization of this goal. Of course, this
Great efforts are still needed.
"Thank you, uncle, for the tip. Ziying understands." Feng Ziying breathed a sigh of relief. This prospective father-in-law seemed to have a lot of things hidden in his stomach. He had thought that the other party might have some connections and capital, but he didn't expect it.
They came first to teach themselves a lesson.
"Well, it's good that you understand. In fact, there is another candidate who can also be brought in, but I am not sure about the pros and cons, but you can consider it. I know you have a lively mind, but this candidate is of great importance to you.
You have to think carefully, well, of course, if you really have a certain relationship with the emperor, you can also look at the emperor’s thoughts..."
Feng Ziying was so smart that she immediately reacted, "Uncle, do you mean the Supreme Emperor?"
Lin Ruhai was not surprised that Feng Ziying could think of it, while walking forward with her hands behind her hands, she explored the plum branches.
"Well, you guessed it too? Well, the Supreme Emperor is also a good candidate, but the relationship between him and the Emperor, haha, is very complicated. Logically speaking, they are father and son, and the Supreme Emperor also passed the throne to the Emperor, but what happened when the throne was passed?
After the passing of the throne, the Emperor's physical condition recovered, and there was also Prince Yi Zhong who always regarded himself as the crown prince and even a concubine with a complicated identity. Therefore, only the father and son can clearly explain the warmth and coldness."
Lin Ruhai's words were already a bit treacherous, but he was treating him as his prospective son-in-law, and he didn't have much time left, so he didn't care about this anymore.
He became more and more optimistic about his son's future, and became more and more worried about his daughter's future.
This son's future is absolutely limitless. His daughter's stubborn and arrogant temper coupled with her delicate body and her not-so-broad-minded mind will make her want to marry the other party. If she is outshone by Shen Jue's daughter, she may have a bright future.
by.
But the only thing that made Lin Ruhai more gratified was that he also felt that Feng Ziying truly cared for his daughter. In the past few days, he had to visit him almost every day and also meet with his daughter. This feeling cannot be faked, at least.
It can't be hidden from his eyes.
This was originally not etiquette, but now that the situation is like this, Lin Ruhai turns a blind eye. The two have the fate of sharing life and death, which also makes their relationship stronger than other matchmaking parents.
The foundation of his life is much stronger. Lin Ruhai, who is sophisticated in the world, naturally understands this, so this aspect makes him feel much more at ease.