The Happy Life of Small Officials in Northern Song Dynasty

Su Jin laughed and said: "Everyone brainstorm and think about which step we should take. Su Ji belongs to everyone. I am not proficient in business, so everyone must make a collective decision.: Read novels"

Everyone frowned and thought for a long time, Zhang Rongqin said: "Big boss, if we have such a large sum of money and want to develop, I think we should emphasize the word stability; big business will naturally make a lot of money, but once you miss it, the loss will also be great." Huge, if we want to do it, we must do business that will definitely make money, and the risk should not be too great."

Su Jin smiled and said: "But what kind of business is your old suggestion to do?"

Zhang Rongqin twisted his beard and said: "With Su Ji's current manpower and ability, this old man thinks it is better to do what he does; Su Ji's clothing store has almost monopolized the high-end garments in Luzhou City, and the clothes he designs are not inferior even if they are brought to the capital, so this old man It is recommended to make full use of what you have in hand and open a large-scale clothing store in Bianliang; if you can gain a foothold in Bianliang, don’t you worry about money not rolling in?”

Su Jin frowned and thought: "This can be considered, and it really takes advantage of my Su Ji's strengths, which is very suitable for me; but the positioning needs to be carefully considered. We are not trying to gain a firm foothold. If we want to do it, we must build Bianliang City As the leader of the ready-to-wear shop, the goal cannot be set so low."

Zhang Rongqin said: "Da Dong, the old man may not listen to what he says, but the old man thinks that when doing big business, one must not rush into the business, but to do it step by step; The assertion will be hindered by all parties. Although Bianliang and Luzhou are different in size and prosperity, they are always the same. The principles of business and the thoughts of the people are roughly the same, what do you think?"

Su Jin smiled and said: "This is a pertinent statement, there is nothing to be disliked; but I also want to tell you that if you seek the top, you will get the top, if you want the top to get the middle, and if you want the bottom, it doesn't mean that the goal is too big. It is exaggerated and aggressive, but a kind of motivation to motivate upwards; besides, our start in the capital will definitely not be low, because we have help; everyone must not forget that Dong Yan’s family is a big business in the capital, and she is the guide in the early stage , will avoid a lot of detours.”

Everyone was dumbfounded when they heard it. It was the first time for these shopkeepers to hear such words as "the goal is the best". Although it seemed very novel, it made sense after careful consideration.

"The grain and oil shop can also be opened. We also have some veterans in this field." Shopkeeper Hou said loudly. He is the oldest among the shopkeepers of Suji grain and oil shop, so he naturally wants to expand the grain business.

Su Jin waved his hand and said: "There is no need for this. After today's famine, the imperial court will definitely pay special attention to food, and the control will be stricter in the future; it is basically impossible to do much in the food business. It will cause a commotion, that's fine."

The storekeepers of the grain shop were extremely disappointed, but what Su Jin said was true, and there was no way to refute it.

Su Jin smiled and said: "Everyone, don't keep your eyes on these traditional industries. In fact, you can think bigger. What Su Ji is doing now is something that everyone can do, so it doesn't matter if you compete. Advantages, we can sell food at a low price, and others can win word of mouth; we can renovate some novel clothes, and others will sooner or later, so we can’t fully grasp the initiative, which is what I worry about.”

Shopkeeper Zhao said: "Da Dong's brains are flexible, and he must have some good ideas. You might as well say it and let everyone discuss it."

Su Jin smiled and said: "I do have an idea, but I don't know if it will work. This matter is indeed a shocking event. I only dare to think about it, but I really don't have the courage and ability to implement it."

Everyone was very interested to see what Su Jin said. What kind of big event can only dare to think about it, this matter must be no small matter.

Su Jin turned her head and said to the maid at the side: "Go and invite Miss Yan here, and tell me that I have important matters to listen to her opinion."

The maid promised and turned around; Su Jin explained: "There are some things we don't understand, but Yan Dong's family knows it well, since we want to discuss this matter, we might as well listen to her opinion."

Everyone knew that Su Jin had an unusual relationship with Yan Dong's family. Although the very mature and prudent shopkeepers felt a little inappropriate, this was a family matter of the big boss's family, and it was inconvenient to intervene with the old lady around; but When it came to the way of business, Su Jin wanted to listen to Yan Biyun's opinion, but they had nothing to say. He was a big merchant himself, and his business strategy had been proven by practice. It was always right to listen to her opinion.

Yan Biyun was invited to the flower hall with a flushed face, and her hands were still stained with water. She presumably did some work in the kitchen just now. When she entered the hall, Su Jin quickly asked her to sit down and smiled, "I have a business idea. , I have been circling in my mind, but I have never dared to say it; today I happened to talk about business with the old shopkeepers, so I would like to invite you to listen, and if there is something inappropriate, you can help me point it out. "

Yan Biyun smiled and said: "How can the slave family have such ability? If there is something inappropriate, the old shopkeepers will definitely get it right."

The shopkeepers hurriedly said a few words of self-effacing, although they knew it was a compliment, but they were sweet in their hearts, this Yan Dong's family is indeed a strange woman, it is really not easy to show her generosity and wisdom in just one sentence.

Su Jin personally poured a cup of hot tea for Yan Biyun, handed it to Yan Biyun, and then said: "I have been troubled by a problem for a long time, I want to ask everyone, do our merchants travel all the year round to purchase goods, some big merchants In one year, he almost ran all over the Dasong state capital, and his footprints are all over the place?"

The treasurer Ma said: "What's so strange about this? Isn't what merchants do is to get cheap into expensive places? Purchase goods from low-priced origins and ship them to non-originates to sell them to earn the difference; if you don't run around, how can you make money?" Have a profit?"

Su Jin nodded and said: "It seems that this is inevitable, but we have to bring a large amount of money every time we go shopping, right?"

Everyone was stunned, isn't this nonsense?How to purchase goods without money?

Su Jin didn't wait for them to answer and continued: "Businessmen must bring enough money to purchase goods, and small items are fine. If we went to the two Zhejiang provinces to purchase cloth and grain last time, we brought [-] guan. How do you carry the money with you?"

Zhang Rongqin said: "Didn't the big boss know? We asked the escort to accompany us. It was the big boss and the horse escort who made the delivery."

Su Jin said: "I naturally remember, are other businesses like this?"

Zhang Rongqin said: "Some big merchants will carry gold and silver ingots, so they don't need escorts."

Su Jin shook his head and said: "I'm afraid it's not that simple. Gold and silver ingots are indeed easy to carry, but there are not many in the market. For example, if the Yan family goes to purchase goods somewhere, it will cost millions of dollars. If all the money is for For copper coins, at least four or five carts must be sent to pull them away, and it is understandable to ask escorts to escort them; if it is exchanged for silver ingots, it will require nearly ninety thousand silver ingots, Miss Yan, can your family afford so many silver ingots?"

Yan Biyun shook his head and said, "1 to [-] is enough, how can there be nearly [-]?"

Su Jin said: "If there is one? Will you take it away?"

Yan Biyun shook his head and said: "9 taels of silver equals more than 4000 catties, how can I take it away? If you don't entrust the escort to escort it, you will have to bring enough people to follow and protect it."

Su Jin said: "If all of them are replaced with gold, can your Yan family get nearly ten thousand taels of gold?"

Yan Biyun said: "It can be taken out, but how can gold be used as a currency in circulation, isn't this a fool? One tael of gold is about one hundred and thirty forty copper coins in the market, but if one tael of gold is made into more than a dozen pieces of jewelry Afterwards, it can be sold for at least three or four times the price, although the demand is not strong, but people will not be so stupid as to use gold as money."

Su Jinyi clapped his hands and said: "That's it. What I'm talking about is that it is so inconvenient for merchants to carry money and goods. It is inconvenient to carry large sums of money and goods, so you can only spend a lot of money to hire someone to protect you. The procedures are cumbersome and time-consuming; If you don’t hire bodyguards, there will be mistakes, and once a large amount of money is exposed, it may lead to disasters. I believe such things must have happened.”

Zhang Rongqin and the others nodded their heads. They have seen this a lot. Some small merchants collect thousands of dollars to go out to make goods, and a box can fit them. Naturally, they will not hire escorts, and they will die in the end. Su Jin made alarmist remarks.

Yan Biyun said softly: "What exactly are you going to say? After a long time, the servants have not heard what you are going to do."

Su Jin chuckled and said, "Think about it, everyone. Is there a way to purchase goods without carrying heavy money?"

"Credit account? Absolutely not, everyone pays both money and goods now, there is no such thing as credit account." Master Zhao said loudly.

Su Jin couldn't help laughing: "It's not on credit. No matter where you go, you can directly withdraw money from a certain place to buy the goods. Don't you think it's convenient?"

"This... how can it be done?"

Everyone was dumbfounded.

Su Jin further explained: "Let's take Yan Dong's property as an example; Yan Dong's Hefeng Building should have opened all over the state capitals of the Song Dynasty."

Yan Biyun interrupted: "It's not that exaggerated, it's just eleven places."

Su Jin smiled and said: "Eleven places are still few? For example, Dong Yan's family needs three thousand guan to buy a shop in Luzhou. Does Dong Yan need to bring the heavy three thousand guan from the capital to Luzhou? ? Do you need to ask the Escort to escort the three thousand strings?"

Shopkeeper Zhao said: "Of course it's unnecessary. If you still hire the Escort for [-] Guan, at least half of the journey will be paid to the Escort. It's not worth it."

Su Jin said: "Wouldn't it be even worse if the strongman snatched the three thousand guns along the way?"

Shopkeeper Zhao said: "Being robbed is another matter."

Su Jin laughed and said: "You didn't understand what I meant. Why did Dong Yan's family come all the way to Luzhou to buy a storefront with these three thousand strings? You just need to come empty-handed, and in your own Luzhou and Fenglou. Isn't it over if you spend three thousand guan? There is no need to toss about any escort agencies, and you don't have to worry about being snatched away on the way, isn't that the reason?"

Everyone nodded in agreement, and Su Jin continued: "In the same way, the Yan family has properties in Yingtian, Suzhou Mansion, Daming Mansion and other places, and there is no need to bring some small money with you when you go to these places, you only need to put it in the account of the local property Just spend it, does this incident give us a revelation?"

Yan Biyun frowned and thought: "You mean, other merchants can also use this method to avoid taking money out, which is convenient and safe."

Su Jin raised her big finger and said, "It's Miss Yan who is smart enough to understand what I mean."

Zhang Rongqin hurriedly said: "But who can have properties in various places like Yan's family and can withdraw money at will?"

Everyone hurriedly said: "Yes, it sounds like this, but in fact it doesn't work."

Su Jin clapped his hands and said: "It's the critical time, everyone, listen to me carefully, this is the big thing I want to do, and it can solve all these troubles."