The Happy Life of Small Officials in Northern Song Dynasty

"My second question is that the silver village you described was set up in the major capitals of the Song Dynasty, and large sums of money can be exchanged in every place. It looks very beautiful, but it is very difficult to implement it. ;The cost of capital is huge, which is probably a big problem; think about it, if Bianliang City deposits a large amount of money, and then merchants come to Luzhou to withdraw money, how can Luzhou guarantee timely exchange? Do you have Is there a way to instantly transfer the money deposited elsewhere to the withdrawal place?"

Su Jin praised again: "This is another crucial question. It seems that Ms. Yan has already mastered it deeply. I admire it."

Yan Biyun was not used to Su Jin's public praise. Although she was sweet in her heart, she was always a little embarrassed in front of so many people.

"Of course, it is impossible to transfer capital to the place where it is deposited and immediately transfer it to the place where it needs to be exchanged. I have no such ability; but if it cannot be exchanged in time, it will be a devastating blow to credit. As long as it is not exchanged in time once, the customer will come again." I will not believe in Yinzhuang anymore, so the capital must be rich; I roughly estimated that if three to five Yinzhuang are opened at one time, at least 500 million yuan will be required to circulate among them. The circulating capital of more than 500 Guan cannot guarantee normal operation.”

"Five million guan?" The shopkeepers almost dislocated Zhang's jaw. Where did the 500 million guan come from?The big boss said it was easy, and he sold Su Ji up and down, including the belt bone, which was not enough for a fraction.

Yan Biyun wasn't surprised, and said quietly: "I'm afraid the minimum number is required, but how do you plan to solve it?"

Su Jindao: "I have two ways. One is to find a partner. When I plan to go to the capital next year, please introduce me to a few big merchants from Bianliang. I will come forward and talk to them; I will definitely not reject my proposal; or if they are afraid of taking risks, I will borrow money from them."

Yan Biyun frowned and shook his head and said: "This method is not good. If you don't know each other before, how dare you cooperate with you to run the Yinzhuang? Moreover, it is a taboo to do business in partnership. There will be many unexpected disputes. Internal friction; secondly, if you do this, you will tell others about the plan of Yinzhuang, and if they have strong financial resources, it is impossible to guarantee that they will not get rid of you and steal your plan to open Yinzhuang alone. When the time comes, you will be in vain?"

Su Jin sighed and said: "Then there is only the second way, attracting retail investors to deposit money as capital, or this problem can be solved."

Yan Biyun shook his head again and said: "This method is even worse, not to mention whether someone is willing to deposit money at the beginning, even if it is deposited, there will be no large sum of money; if it is me, I will deposit a small amount first. Partially look at the credit of your Yinzhuang, and then deposit the follow-up money in the Yinzhuang, how can a drop in the bucket guarantee the normal operation of the Yinzhuang?"

Su Jin said with a frowning face: "No money is hard for a hero. If these two methods fail, I can only open two banks for the time being. The funds on hand are enough to support the operation of the two banks. developed."

Yan Biyun looked at Su Jin, with a bit of resentment in his eyes, and said lightly: "Didn't you think of the Nu family? Although my Yan family is not ranked in the Song Dynasty, I can still take out a few million guan, or the Nu family I can tell my uncle to let you start a silver village."

Su Jin said in his heart: Of course I thought of your family, but it's only interesting if you say it yourself. If I reach out to you, wouldn't it be too embarrassing.

"This is not very good. You have helped me a lot with the food affairs this time, and you have lost a lot of money. The cost of the Yinzhuang matter is not small. I also gambled all my wealth. How can I involve you Yan?" If something goes wrong when you enter the house, what will I give you back? Besides, the property of the Yan family is not owned by you alone, it is the common property of the entire Yan family. If I ask you for help, you will definitely not refuse, but you in the Yan mansion It’s hard to explain, how can I do this kind of thing?”

Yan Biyun smiled and said: "Just lending to you, the slave family naturally cannot be the master, but if it is a shareholding, it is different. The slave family is in charge of the Yan family's property, and the right to invest and do business is in my hands. Whatever business the slave family wants to do, it is up to me." There is no need to ask for the consent of the entire Yan family, the slave family only needs to report to Uncle."

Su Jinxi said: "Are you really willing to invest? This is a big risk."

Yan Biyun rolled Su Jin's eyes and said: "Of course I know that there are risks, but I am very optimistic about this business. Besides, you, Su Ji, are not afraid, and my Yan family is even less afraid; and the most important thing is that I believe in you. vision."

Su Jin was so overjoyed that he grabbed Yan Biyun's little hand and rubbed it: "I had this idea a long time ago, but I was just afraid that you would make things difficult. This is all right. The problem of funds can be easily solved. We can spread out five sheets at once. The bigger the spread, the bigger the problem. The more it can show the advantages of Yinzhuang."

Yan Biyun quickly pulled out his palm, blushing and didn't dare to look at anyone, the old shopkeepers were all dumbfounded, the big boss actually held hands with Yan Dong's family in front of his group of people, Su Jin was not embarrassed, but they were; After the coughing sound, all the old shopkeepers pretended to drink tea to cover up the embarrassing situation.

Su Jinwu didn't realize it, and said loudly: "You and I joined forces, each with 800 million guan, which is 600 million guan for the start-up cost, 100 million for the purchase of real estate and shops, and more than enough personnel to hire. It's done."

The shopkeepers’ eyeballs are flicking on the ground. The big boss said just now that if you have 500 million guan, what can you do? Now, a mouth is 800 million guan. After going out for half a year, why did you suddenly come back with so much money? Don’t just grab it in Yangzhou Big family, this way of making money is too powerful.

Yan Biyun said angrily: "Don't be too busy, since the slave family has invested in shares, the slave family needs to know more, and there will be rewards for the money, and it's not just for fun."

Su Jin nodded and said: "That's natural. Our feelings are feelings, and business is business. If you have any questions, just ask. You are the major shareholder now, and I know everything without saying anything."

Yan Biyun spat in a low voice: "What nonsense are you talking about? Who...has...relationships with you."

Su Jin realized that he was too excited and couldn't keep his mouth shut. It was really inappropriate to say these things in front of others, so he quickly took a peek at the shopkeepers. The conversation just now.

Yan Biyun responded emotionally and asked: "The third question I want to ask is whether this kind of Yinzhuang can be approved by the imperial court. Have you ever thought about it?"

Su Jin was stunned and said, "I still need to approve it? We are not in the tea and salt business monopolized by the imperial court. The tax money that should be paid is a lot of money, and it will not harm the imperial court at all. The imperial court will not interfere with other people's business."

Yan Biyun shook his head and said: "Although the imperial court has no express regulations, how can it not restrict the circulation of coins? The Jiaozi in Yizhou was originally a civil rise, and later the imperial court took it back to the government? You opened Yinzhuang. For the storage and circulation of coins, the imperial court may blame you for collecting copper coins and not circulating them; it should be noted that the imperial court only builds 80 guan coins each year. If the bank deposits more coins than minted coins, wouldn’t it cause market turmoil? ?”

Su Jin laughed loudly and said: "You don't understand this. The establishment of a silver bank will not hinder the circulation of coins, but will speed up the circulation. The rich family hides the money in the secret room, and that is the real dead money." If there is no special matter, they will definitely not take it out and use it; and the money is stored in the bank, whether it is used as capital or used for other investments, it is just out of circulation and can be used Greatly reduce the pressure of insufficient coin minting."

Yan Biyun thought for a while and said: "It seems to be the reason, but I think it's better to be more cautious about this matter. It's best to get the approval from the imperial court, so as not to be beaten down by the imperial court after opening, which will be troublesome."

Su Jin nodded and said: "Very well, your worry is not unreasonable. As soon as the food affairs are over, I will talk to Lord Sansi. At worst, I don't want to reward you when I see the emperor's return, as long as I approve it; officials don't want it." It doesn't make any sense."

Yan Biyun laughed and said, "You think it's right or not? Do you think it's a joke? But since it's a big business, you need to consider all aspects. You don't need to remind me of these things. You are more thoughtful than my family."

Su Jin smiled and said: "This is flattering me. I just think that I can do it, but I am not as good as everyone here."

Yan Biyun said: "Excessive self-effacing is hypocritical, I still have questions, please answer them."

Su Jin stirred his ears and eyes with his hands, and said with a smile, "Listen carefully."

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