Jinyi champion

Chapter 249 What kind of ability do you have?
If they want to make King Xing's mansion rely heavily on them, and make Zhu's family dare not offend, Zhu Niang and her son have to make their business bigger and stronger.

You are not strong enough, and your status is not stable, even if you take over Su Xigui's business layout in Anlu... Su Xigui is an outsider, and he didn't even think about how to compete with the local merchants. Reliance on sales channels.

What Zhu Hao wants to do is to monopolize the market.

Then Zhu Hao threw off his arms, and with the support of Zhu Niang's investment of several hundred taels of silver, he went to work like a raging fire.

After more than a month, I have gained a lot.

……

……

The end of the year is approaching.

In the back hall of Zhu's manor, a meeting about the family business was being held at this time. All the houses of Zhu's family, except the third house that had been separated, were attended by representatives.

It was still Jiang Yonghe who showed up on the side of the first room, and Zhu Wanquan from the fourth room also took time to listen.

The protagonist of this family meeting is Zhu Wanjian, the nominal head of the Zhu family business.

From the point of view of the Zhu family, Zhu Wanjian has been honest recently and hasn't gone out to cause trouble, but at the end of the year, when the accounts are checked, it's a mess...it's better to spend time outside.

You have kept a low profile recently, and you are trying to lose money from your family in a muffled voice!
"Second brother, my mother asked you to continue to manage the family business. Is this how you feel? Last year, the total income of the family's various businesses was more than a thousand taels. This year's profit is not even three hundred taels? If it weren't for the beginning of the year The third daughter-in-law took out [-] taels of silver to redeem the house, after a year of love, will the Zhu family be unable to make ends meet?"

The old lady is very angry.

I also feel careless in my heart, thinking that this son has learned to be good, I have never heard that he caused any trouble in Huajie Liuxiang, he did not go out to fight with others, and he did not have conflicts with his family because of frequently taking concubines...

It turned out that it was not Zhu Wanjian who had changed his gender until the end of the year, but that he was quietly eroding the family's economic lifeline.

Zhu Wanjian said aggrievedly: "Mother, can you blame me for all this? Why don't you say that the market has been sluggish this year, and how many people have lost their homes? We have a harvest of [-] taels a year, and I don't know how many people outside are envious."

Zhu Wanquan said: "Second brother, the income of the family was normal in the past few years. Could it be because the third sister-in-law has continuously provided the family with money? This year the income has been cut off, and it will be revealed all at once..."

"To shut up!"

Of course, Zhu Wanjian didn't like to hear such words, so she snapped, "Open your mouth only if you can speak, and keep your mouth shut if you can't speak!"

Zhu Jiashi didn't stare at Zhu Wanjian at this moment, checked the accounts quickly, pointed to the business column of the mansion and asked: "A few warehouses by the Hanshui River, the harvest in the first half of the year was very good, how come the accounting at the end of the year, unexpectedly Turned into a loss-making business?"

Zhu Wanjian said: "Mother, this is why I said that business is not easy...Because of the influence of the robbers in Jiangxi and Jiangxi, the land in Huguang is not peaceful now, and there have been wars on the three sides of the northwest this year. There are a large number of refugees in the Central Plains. The road is affected... No, there are a lot fewer ships passing by the Hanshui Wharf, and if there are fewer ships, there will be fewer goods.

"And recently, a businessman running a mansion shop appeared out of nowhere at the Hanshui Wharf. He was carrying a big business and basically robbed our business. If there is no business, we have to pay rent, labor, and chartering a boat. Naturally, it will lose money, and the ship contract will be cut off after the next year, so we should be able to make ends meet!"

When Zhu Jia heard the words, he slapped the ledger on the table angrily, and with a "snap", Zhu Wanjian, who was concentrating on making up nonsense, was shocked.

Zhu Jiashi looked at Steward Liu sharply, and asked, "Old Liu, what's going on?"

Butler Liu said slowly: "It's like this. At the end of the year, the second master and the eldest young master each took fifty taels of silver from the account of the collapsed house..."

Everyone present was stunned.

It is all an excuse that the business is not good. It turns out that someone has withdrawn money from the account of the mansion shop.

No wonder Jiang Yonghe from the long room didn't come out to question, because she also has a son who is not up to expectations, and like Zhu Wanjian, he is a moth in the house.

Originally, the Zhu family formed a delicate balance. In the past, the most disadvantaged was the third house of the Zhu family who worked hard to earn money for the family, but never received fair and just treatment. Free body, what can I do?
Now Sifang suffers from being dumb.

However, Zhu Wanquan prepared for the township examination and never contributed to the family business. The fourth room ate and used the family's food, and there was no place to fight.

Zhu Wanjian was extremely annoyed when Steward Liu revealed the secret, but he yelled, "It's only a hundred taels of silver that were withdrawn from the collapsed house. Has there been an extra big merchant on the Hanshui River recently?"

Zhu Jiashi looked at Butler Liu, butler Liu bowed his head and replied: "It is true that as the second master said, a big businessman operating collapsed houses has indeed appeared on the ground in Anlu recently. In the past, the merchants who used to store goods and negotiate business with our shop all went there."

"Look, huh?"

Zhu Wanjian suddenly became arrogant again.

Zhu Jia frowned: "How could this be?"

With the style of an old lady, she is absolutely unwilling to suffer from boredom.

After all, the Zhu family is also the home of a thousand households in Jinyiwei, how can it be overwhelmed by a newly emerging merchant?If you don't get back the place, I'm sorry that the Zhu family has worked hard in Anlu for so many years.

Zhu Wanjian said: "Mother, you are asking the right person. I have inquired about this merchant. This merchant is not only rich and powerful, but also very intelligent. There is something called...insurance for the total price of the goods in his stock. If the goods fall into the water when they are transported by ship or lifted at the wharf...what is it called marine insurance, full compensation.

"If it is burned in the warehouse, it is called fire insurance, and the full compensation will be paid. If the goods are robbed by bandits or river thieves, you will also be compensated. What's more, there are insects and rats. It's dangerous, but if nothing happens, he will be compensated to death if something happens!

"How about this, mother, let's sneak in in the middle of the night, burn down their warehouse, let them lose everything, and leave Anlu in despair, what do you think?"

By the end of Zhu Wanjian's talk, he had already started to use his wonderful brain to give the old lady bad ideas in public.

When the old lady heard it, her face changed suddenly: "You bastard! Do you really think of yourself as a murderer and arsonist bandit? How dare you say such a crime?"

Zhu Wanjian thought that his suggestion was very good, and he was quick-witted waiting to be praised by the old lady, so he was dumbfounded on the spot.

The eyes of the people around are also full of unkindness.

What is my second master?
There is really no bottom line in doing things!

Even if you really think so in your heart, there should always be a gatekeeper in your mouth, wouldn't it be good to do things quietly?If you don't tell the scandal in public like this, once it gets out, will the Zhu family still have a place in the local government?

When the old lady was angry, she looked at Butler Liu: "Old Liu, tell me!"

Liu Guanjia said: "Yes, old lady. The situation is basically as the second master said. This merchant who deals in collapsed houses is indeed very good at business, and has a strong background. He has business contacts with the local government and gentry, but... The overlap between our business and his business is relatively low, even if a little business leaks through his fingers, it is enough to ensure our business profits in the collapsed house by the Han River... If we set fire to it because of this, the loss outweighs the gain.”

Butler Liu was really afraid that the old lady would take her son's suggestion and run to set fire.

This is based on Steward Liu's understanding of the mother and son.

Don't look at Zhu Jiashi's kind face at ordinary times, it seems that humans and animals are harmless, but he is much better than Zhu Wanjian in using cunning and deceitful methods.

Now Zhu Jiashi only asked Zhu Wanjian not to talk nonsense, but he didn't say he wouldn't do it, so he specifically emphasized that the family has a big business, and we don't have much business with them. After all, Zhu's business was only in a collapsed house after a month Earn a few taels or even a dozen taels of silver for warehousing and shipping costs.

Just for this little profit, I ran to set fire and burn down other people's warehouses...

The risk is completely out of proportion to the benefit!
Even if the merchant's warehouse is burned down, and the other party really withdraws from the local market, it will not be the Zhu family's turn to take over the business.

The happiest ones are those big local merchants who have been operating collapsed houses on the banks of the Han River for decades, and were overwhelmed by their aggressive aura.

Mrs. Zhu Jia was very upset when she heard that, why is your old Liu also bad-mouthing my Zhu family here today?
Do not give an idea, but also pour cold water?

Zhu Jiashi said with a straight face: "What is the ability of this merchant to sell out the big local merchants in a short time? Just because of that... insurance?"

"not quite."

Butler Liu carefully analyzed, "There is a strong government background behind it, and it is likely that the big officials in the Huguang Governor's Office are backing it. The prefectural and county yamen sell their face and send yamen from time to time. Idle personnel are just like the thugs they hired, and their business methods are unheard of, and their strength is also extremely strong.

"For example, the money shop opened by the Han River, where foreign merchants can store silver temporarily, even if it is a hundred taels of silver... can exchange enough copper coins overnight to do business with local merchants."

Zhu Wanjian immediately questioned: "Impossible? Where did he get so many copper coins? Could it be that they still manage copper plates?"

Liu Guanjia said: "I don't know if it's made or not, at least not in the local area. Local small businesses and hawkers will go to exchange places where they need silver, and the exchange rate is quite good. The money shop itself hardly makes any money. Listen It is said that it will also lend loans to some small merchants, and the interest rate is... very low.

"Nowadays, merchants rarely bring a large amount of copper coins to do business. Most of them bring silver. When they arrive at the Anlu Wharf, they can exchange the silver into copper plates to do business with local merchants, and they can get loans at low interest rates. It will be logical to store it in its warehouse, which is a matter of mutual benefit.

"And I heard that many of the large ships running on the river have business dealings with them, and they even spread the word that they want to buy ships. With such a background and strength, and endless business methods, it is difficult not to do a good job in business.

"From the current point of view, one can invest hundreds to thousands of taels at a time to operate the business of collapsed houses. It must be to quickly monopolize the local market. With our strength... we cannot compete with it, unless we can contact all local businessmen and unanimously disclose !"

(End of this chapter)