I am Da Song

Chapter 548

The reason why Zhao Huan asked whether Han Cheng came from Taixue was because the nouns it mentioned were obviously not something Confucian scholars could say.

Whether it is the warehouse-to-warehousing clause, Lloyd's organization or the principle of subrogation, they all clearly carry the strong professional characteristics of Taiyuan Academy and belong to the category of Jingshixinxue.

Han Cheng immediately replied: "The official family has learned, I did indeed study at the Taixue Business School."

Zhao Huan nodded and said, "Tell me about the terms you mentioned in detail."

Han Cheng stood up and said, "Scholars are engaged in research on things that are too complicated. In short, these three items are the key cores of marine insurance."

Han Cheng looked at the captains in front of him and said, "As far as I know, you have to buy insurance from Lloyd's in each port when your ships go to sea."

The captains all nodded and said, "A ship's cargo is about hundreds of thousands of coins. Once lost, neither the employer, the captain, nor the bodyguard can afford to pay. Even a wealthy party will go bankrupt because of this."

Han Cheng nodded and said: "But you may not know that it is not a single merchant who provides insurance to you at each port court, but a collection of countless merchants. Each of your insurance policies is distributed to thousands of merchants, Hundreds of banks do equal splits."

This is easy to understand. If someone monopolizes this insurance, once there is a loss, even a super rich man like Han Sui will be hurt.A wealthy businessman worth hundreds of thousands would go bankrupt directly because of this.

Zhao Huan asked, "Is there any problem with this?"

Han Cheng nodded and said, "According to this insurance principle, it is actually possible to limit the selling price of the goods on the merchant ships of the vassal state. Taking frankincense as an example, the price of the merchant ships of the vassal state on certain routes can be limited to the usual price. The part that exceeds the usual price , will not be recognized by insurance.”

"In this way, in order to sell the goods, the freight on these routes will be more expensive. Or simply go to sea without insurance."

Maritime trade is a very large system, especially when the system is structured, everyone will benefit from this system.

Even the merchants in the vassal state are no exception. They can make money more safely and will not forcefully take great risks.

If they are forced to go to sea without insurance, they will bear the name of a tribute ship. Once they are randomly checked, they will find that there is no insurance policy, and there is no document to pay tribute.

Its identity cannot be confirmed from both official and private aspects, so the wealth lost by this fleet is terrible.

Millions of supplies and money were all confiscated, which was a painful price that no businessman could bear.

Of course, the specific operation must be more complicated than this, but this sophisticated and complex insurance system is indeed the core of maritime trade and the most essential property of imperial rule.

This is a sign that the vision of the elite officials in the Central Plains has finally surpassed the feudal small peasants.

A symbol of rapid progress from classical traditional society to modern chemical industry and navigation.

Zhao Huan looked at Han Cheng and said, "Your idea is good. Regarding the tribute trade, I will leave it to you."

"By the way, I plan to set up the Jiugang Xuanfu Envoy in Nanyang to lead the Jiugang Xuanfu Division."

The Xuanfu Envoy is the government department of the core states and counties of the Great Song Dynasty. The establishment of the Xuanfu Division in the old port in Nanyang means that the Song Dynasty will bring this place into direct rule.

The officials are not in a hurry to make a decision. The first issue now is to delineate the territory of the Xuanfu Division of Jiugang.

Zhao Huan also didn't have such big ambitions, and he wouldn't put all of Nanyang into the territory directly under the Song Dynasty.

It's still the same old problem. There are high administrative expenses for assigning any territory to the Song Dynasty.

Whether it is postal delivery construction, school promotion, or infrastructure improvement, it is a huge expenditure. If the taxes paid by the people of the Song Dynasty are all spent on pensions, education, and medical care in the territory thousands of miles away, obviously officials and people in these provinces in the Han Dynasty will There was a lot of discussion.

So Zhao Huan looked at the crowd and asked: "Qing and others have traveled far and wide, because they should know the customs and customs of various places the most. Can you tell me which places are suitable for promoting Wanghua and setting up prefectures and counties?"

The merchants were particularly excited about this, and someone immediately said: "The most suitable one must be Malaga."

"That's right, it's Malaga."

"The imperial court should set up giant cities here, build warehouses, and tax taxes fairly. These small countries should not be allowed to levy taxes indiscriminately and lawlessly."

The name Malaga often appears in history books. Of course, it will be controlled by the Central Plains, and it will have to wait until Zheng He of the Ming Dynasty went to the West.In Daming, it is called Manlajia.

According to historical records: "Chinese ships sailing to the West use this as an outer palace, erect fences and walls, and set up four gates and drum towers. Inside, there is a heavy city, built and built. The warehouse is complete. The returned ships of all countries are all parked on the coast of this country. All the money and food are stored in the treasury."

That is to say, the army of the Central Plains built cities, walls, and drum towers here, and built heavy cities inside, built warehouses, stored money and grain, and stationed warships on the seashore.

However, if the two names Malaca and Manlaga are not easy to remember, sailors and boatmen with less literacy among the people will sometimes write them as Malacca.

Yes, here is the most famous Strait of Malacca.

The Confucian cultural circle of later generations established a country here.

The king of this country is very interesting. Historically, Daming took the initiative to send middle officials to recruit him.

Then he said very wittily: "The king, Muyi, is willing to join the county of China and serve as a tribute every year. Please seal the mountain as a town of a country."

Anyway, he naturally paid tribute.

There is a touch of eccentricity in the reasonableness of professing the minister.

Because the matter of becoming a vassal originally determines the fate of a country.But it seems that as long as the Central Plains contacts the neighboring countries, the other party will be very interested in surrendering.The reason behind this cannot be thought through at all. The logic is the overbearing and arbitrariness of imperialism.

As for whether he was greedy for the rewards from the Central Plains, and was lured by the Central Plains to become a vassal.

That's really not true, because he paid tribute to the princess, and Zhu Di rewarded them with a so-called "very generous" bounty.

"Give the king a gold inlaid jade belt, a pair of ceremonial guards, two saddle horses, a hundred taels of gold, 500 taels of silver, 40 guan of banknotes, [-] guan of copper coins, three hundred pieces of brocade gauze, a thousand pieces of silk, and two pieces of pure gold Wenqi. , two gold woven sleeves and knee pleats;"

"I also gave the princess a pair of crown clothes, 200 taels of platinum, five thousand guan banknotes, sixty pieces of brocade gauze and silk, and four gold-woven wenqi gauze robes;"

This is really rich!

The banknote is 40 Guan.This banknote is the Daming treasure banknote. After the random printing and distribution during the Hongwu period, the value of the Daming treasure banknote was greatly depreciated by thousands of times, so that the government was unwilling to accept this thing.Zhu Di occasionally distributed benefits to the people, the content of which was to allow the people to pay taxes with precious notes.

The emperor himself has this attitude towards the treasure banknotes, so you can imagine what the fineness of the 40 Guan treasure banknotes is.

So to sum it up, the king was given a jade belt, an umbrella, two horses, 600 pieces of silk and satin, a total of [-] taels of gold and silver, and [-] copper coins.

Is this a reward for the king?Even a local rich man in the countryside has more than that.

Even Su Dai, a young girl who has not left the cabinet, saved a dowry for herself with lucky money and pocket money, which was richer than this.

(End of this chapter)