"After soliciting the intentions of the participants, most maritime merchants preferred to purchase a five-year concession, a small number preferred a three-year concession, and only a few were willing to purchase a ten-year concession..."
Duan Xigui's calculation ability is quite good. Even Feng Ziying didn't know that his cousin was extremely talented in this area.
An unintentional act at the beginning can actually cultivate a "arithmetic genius". This shows that people's potential is really unpredictable. Sometimes an ordinary person often contains huge talents in certain aspects.
"Based on the standards of a three-year charter fee of 25,000 taels, a five-year charter fee of 35,000 taels, and a ten-year charter fee of 60,000 taels, the three provinces of South China, Zhejiang, and Fujian can collect
The charter fee received is about 1,050,000 taels of silver."
At this point, even Duan Xigui couldn't help but lick his lips, and although Feng Ziying, Wang Wenyan, Jia Lian and others had been mentally prepared, they all subconsciously took a breath of cold air.
Although we all know that these maritime merchants and gentry are wealthy owners, you must know that this is just a charter fee and does not include sea tax. In other words, this is just a qualification certificate.
In the future, if you engage in trade in this field and enter the shipping company, you will still have to pay taxes.
Of course, this also means that the court encourages you to make your business as big as possible, and the more you import the supplies that the Zhou court needs, the better, because that means you can get tax exemptions, such as gold, silver, copper and other metals and cash crops, and in the future
Large wood is needed for building ships, but spices such as pepper, cloves, and cardamom are also the largest imported goods in the Zhou Dynasty. There are also precious woods such as sandalwood and rosewood, etc., which are not included.
Feng Ziying digested the impact of this number.
It seems that the early publicity and messaging were indeed very effective and successfully mobilized the enthusiasm of these maritime merchants and gentry who were interested in entering this field, and the effect was very good.
This is only for the three provinces of Nanzhi, Zhejiang, and Fujian. If you add those from Guangdong and Guangxi, the amount is estimated to be around 1.8 million taels.
The sea trade privileges of the three northern regions of Shandong, Beizhi and Liaodong are not included. This will be comprehensively considered in combination with the construction of the southern Liaoning-Denglai route and the development of routes in the Ezo and Jurchen hinterland. In fact, this
In the early stage, it is unlikely that sea trade will make much money, and most of it will be invested.
Seeing Wang Wenyan, Jia Lian was a little startled. Feng Ziying calmed down and said with a smile: "This can be regarded as a one-time deal. Well, including Guangdong and Guangxi, it is less than two million taels, and next year the income may be
There are less than 200,000 taels left."
Wang Wenyan also thought about it, "Well, according to this measure, we have to wait until the first batch of concessions expires in three years before we can start to renew or make up, and we can have a larger income after five years, but we can't
Consider it a one-time deal."
"Haha, in three to five years it won't be my thing to worry about, but now I have to get this started." Feng Ziying pondered for a moment, "This matter needs to be combined with the establishment of our bank."
Seeing that several people were still a little confused and didn't quite understand, Feng Ziying smiled lightly.
"That is to say, this amount of silver to be handed over to the Ministry of Revenue must first be deposited in Haitong Bank. If the Ministry of Revenue wants to use this amount of silver in the future, such as issuing military pay, it can go to the capital from Haitong in the capital city.
You can just call it at the bank, and if you want to buy grain and cloth in Jiangnan, you can directly pay it to the cloth merchants and grain merchants in Yangzhou, or even in the future, the bank branches such as Suzhou and Jinling..."
The three of them suddenly realized that this was an attempt to forcibly bind the household department to Haitong Bank. This was a clever move.
"But where did the Capital City come from with so much money to pay the Ministry of Accounts? What if the Ministry of Accounts wants to transfer all of it to the bank of the Ministry of Accounts?" Jia Lian couldn't help but ask.
"Well, so you still have to argue with the Accounts Department. If you don't have to deposit it in the bank, why are you doing it? There is still interest in the bank. Just make sure you can use it at any time."
Feng Ziying knows that people in this era still have the unique simple concept of this era. Money must be stored underground in the home for the safest place, and stored in other people's banks. What if the bank goes bankrupt or the owner of the bank runs away with the money?
This concept cannot be changed in a day or two, so it is necessary to establish and create an impression for them that Haitong Yinzhuang is too big to fail and too big to fail.
"In addition, our Haitong Bank is also raising shares in the capital. Naturally, there are many shareholders, and the shareholders have to invest real money. Then the share capital will be deposited in the bank in the capital as the principal. If it is a general
The payment is enough to cope with it. If you want to pay a very large amount, please tell me in advance that it can be shipped from Yangzhou."
This principle is easy to understand. In short, it is to maintain a certain flow. For large withdrawals, you need to say hello in advance.
Especially when it comes to temporary large-amount withdrawals like those from the Ministry of Accounts, you have to be good at it. Otherwise, if you have to withdraw hundreds of thousands of taels at a time, who can possibly collect it for you in a short period of time?
As for ordinary merchants, it's not a problem as long as they say one or two days in advance.
"Sir, it seems that you have to go hand in hand with several things when you go to Jiangnan this time." Wang Wenyan chuckled, "The reclamation of Dongfan involves the Dongfan salt business. It is estimated that there will be news there soon.
Here, once you get what you want, it will be a business worth hundreds of thousands of taels. If the other party is willing, they can also enter the Haitong Bank. You can also ask Longyou and Anfu merchants to open accounts in the Bank.
Even loans, anyway, the imperial court supports them to expand land in Dongpan,"
Feng Ziying smiled with satisfaction.
Wang Wenyan's ability to draw inferences from one instance is not yet comparable to that of Jia Lian and Duan Xigui. Jia Lian's qualifications may be the most mediocre, but his identity is not comparable to that of Wang Wenyan and Duan Xigui. He also has a good personality, is willing to accept criticism, and is willing to learn.
, which is very rare.
"Well, so the bank is the foundation. In the future, all transactions involving money can be circulated through the bank. It is convenient and safe, and it can also solve the security problem of merchants who need to carry large sums of money when traveling north and south."
Feng Ziying looks forward to the future of her family's Haitong Bank, "The money earned from sea tax mortgages and debts must be deposited in Haitong Bank and used by the account department. The same is true. However, this may be difficult, but at least part of it should be deposited in the bank.
It can be regarded as the imperial court’s support for our maritime affairs.”
"With the support of these big players, Yinzhuang can definitely be established. However, if it involves making businessmen both trust and realize the benefits of convenience and speed, I am afraid that just Beijing and Yangzhou will not be enough. Like
Suzhou, Guangzhou, Datong, Jinling, Hangzhou, Dongchang, Linqing and other cities must have branches of Yinzhuang, so that these businessmen can finally accept this method..."
Duan Xigui made suggestions from the perspective of a businessman.
Jia Lian, on the other hand, prefers another angle.
"If some of the royal family members and important officials in the imperial court can take the initiative to become shareholders of our bank or take the initiative to open accounts and deposit money in the bank, this will undoubtedly greatly encourage more people to trust our bank..." Jia Lian
He glanced at Feng Ziying and said, "Like a few princes or elders..."
This is a double-edged sword. It's easy for the princes to talk about it, but it's hard for the cabinet ministers to talk about it. But if it means that they can each deposit two or three thousand taels, it can play a propaganda role, but this is not the case.
Things that involve privacy and confidentiality need to be carefully considered.
What if Lieutenant Long or the Metropolitan Procuratorate requests to investigate and verify?
Feng Ziying couldn't help but think of various bank secrecy standards and systems in later generations, and the circumstances under which data could be investigated and retrieved.
"I have thought about what Second Brother Lian said, but there are pros and cons. Some can be considered, and some cannot be considered for the time being. For example, can a few pavilion elders open an account and deposit money in our bank?" Feng Ziying laughed.
He said: "I'm afraid the outside world will spread the news. One thousand taels of silver can give you one hundred thousand taels of silver, and no one will believe your explanation, so this is not feasible. But if it is the princes of the clan,
That doesn't matter, well, Brother Lian, you can do the same in your house."
Jia Lian was embarrassed by Feng Ziying's words. He just shook his head but did not dare to say anything.
He knows the details of the Jia family very well. They are strong on the outside but hard on the inside, with a typical horse shit skin and a smooth face. There are a few houses, villages and shops, and some of the old items in the house can still be maintained on the scene, but inside they are all eating hard food and demolishing the east wall.
Mending the Western Wall.
Unknown to other people in the house, Sister Feng would use various means to pawn off the family's old items and antiques every New Year. Many of the pawns never came back.
But this scene still needs to be sustained, with thousands of people eating horse chews, and not daring to bend the air at all, otherwise it will fall faster.
"Well, I have some concerns about this matter. Prince Zhongshun is willing to invest 80,000 taels of silver. There are also some ministers who are still negotiating. It will not be finalized until I reach an agreement here, but I think there must be some help from Beijing.
A few hundred thousand taels of silver is not a big problem, but here in Yangzhou, it depends on our ability and hard work."
Feng Ziying smiled and looked at Jia Lian, Duan Xigui and Wang Wenyan, "We are all one family and don't speak two different languages. In this kind of business, although it is hard to say how much money we can earn in a year and how much dividends we will receive, it is better because we are safe.
It’s better than burying money in the soil, and it doesn’t require much thought. If you have spare money, five thousand taels is not too little, and one hundred thousand taels is not too much, you can give it a try.”
His words made several people feel moved.
It's just that the investment is estimated to be at least 5,000 taels. Which of these three people can come up with 5,000 taels?
Even Duan Xigui made a lot of money by running Fengrunxiang, but he could only save three to four thousand taels of silver. Wang Wenyan's family only had two or three thousand taels of silver. As for Jia Lian, he couldn't save even one thousand taels of silver.
.
"Well, what I've said here, you guys can think about it for yourselves. In addition, if you raise the money yourself, you can actually invite one or two relatives and friends to invest together. In this way, you can become a shareholder if you raise 51 million, and then you can follow the rules
Just share the dividends according to the amount of investment each makes.”