Datang Nongsheng

Chapter 587 The Family's New Business Model
It seems difficult to quietly do things that can check and balance the emperor's power without arousing the emperor's vigilance, but in fact, it is not as difficult as imagined, because they have a special think tank to help them think about problems, and , someone is in the general direction and has already proposed ideas for them.

Therefore, after two simple bickering sentences, the matter immediately came to the point. Sun Xiangfu had thought of a way to bind the interests of these aristocratic families with the safety of the country so that they would not dare to easily create turmoil for the country. Now, What he thought of, became the think tank of the aristocratic family, using their tricks to protect themselves, and combining them with each other, so that no one dared to easily touch the other party.

"Everyone, I believe that we are all on the same page when it comes to our interests, but in order to achieve our interests, we only need to change our methods and methods, and how to change can make everyone more sustainable and more profitable. What about profit?"

When Wang Xu said this, he sold off for a while, and everyone's eyes focused on him.

"That is, to develop industries with wholly-owned capital, and to develop industries with borrowed funds.

Transfer capital operation, for loan operation.

In this way, the industries under the control of each of our families will definitely have a larger round of expansion. Not only will it help the court to complete the desired construction, but everyone will have more industries and earn more money. As for others, you can think of them yourself. "

Everyone was stunned when they heard the words. Some people haven't grasped the meaning of Wang Xu's words for the time being. His words are very particular. Even if someone present today leaked what he said to Li Shimin, it may not have much influence on him. , because he only talked about a change in the business model.

However, if Sun Xiangfu was here, he would definitely be shocked in his heart. The aristocratic think tanks are really not vegetarians. After Wang Hao gave a general direction, the strategy they came up with is simply impeccable, especially It was when Sun Xiangfu was not in the court, and he couldn't give pointers to the government system, and he didn't know the news at all.

How many big bosses of real estate companies in later generations, because they borrowed too much and failed to repay their debts, the banks were afraid of their collapse, resulting in huge bad debts.
This kind of market support is actually to push up the housing prices, because if the owner of the real estate company does not make money, he has no money to repay the loan. The house is a commodity in the hands of the developer. If they want to make money to repay the loan, they can only pay more Sell ​​the house at a high price, add all the interest losses on the loan to the house price, and finally entrap the common people.

Micro and small real estate companies may still have little impact. After the capital chain is broken, there may be a collapse. The country dare not let large real estate companies collapse, because once they collapse, it will lead to a series of industries. Followed by the collapse, resulting in an economic crisis.

Just like the factories in Weinan New City, in fact, half of the industries are engaged in real estate construction and home life-related products. living people.

If this collapses, how many people will be laid off, how many people will have no income, no food to eat, it is impossible to calculate.

When Sun Xiangfu talked about housing prices with his classmates in later generations, he often said that no matter how the policy controls the real estate industry, it is ineffective. Housing prices will only go higher and higher under policy control.

What should really be controlled is actually the banking industry.

Banks are always the most profitable enterprises in our country. Why?
Because it is the banks that gave birth to these real estate companies, using real estate companies to turn people into house slaves and a tool for them to make money. Banks make money from real estate developers and house buyers without profit control.

Is it because the government sells the land at a high price because the real estate developers themselves have the money to buy these lands?No, real estate developers are not that rich, but banks have money, and they can lend money to real estate developers to buy land. Even, the strength of a real estate company's loan ability in the bank is the strength of the real estate developer in the market. The strength of strength.

If someone asks for a high price to buy land, the government will naturally sell it at a high price. If the land price is high, the cost of the house will also be high.

And if banks don’t wantonly lend money to real estate developers according to their expected profits, they will have no money to buy high-priced land, and everyone will have no money to buy high-priced land, and the government will naturally sell it cheaply. all cheap.

If this lending model does not change, it will be difficult for house prices to return to their true cost.

Of course, this is related to the fact that the price of land sold by the government is not restricted, and the common people in China have the habit of saving. Everyone saves money, and banks must borrow money to make a profit. Therefore, the root cause may also lie in this kind of savings and consumption pattern.

Wang Xu's move is to let the big families borrow money and develop crazily. It will give everyone a look of vigorous development and let the court taste the sweetness. They are tied to the court, and although their methods of operation may not all be bad, even if they collapse in the end, the court's losses will be greater than their losses.

For example, the Wang family, they just randomly find a collateral child, give him 50 guan, and ask him to invest in the construction of a big hotel in Jiangling City. At this juncture, Changsun Wuji must welcome such investors with both hands.

However, with 50 yuan, he couldn't afford to build the big hotel he wanted, so he had to borrow money from the bank. After all, when the big hotel opened, it would be profitable, and repayment was not a problem.

Then, Changsun Wuji would definitely suggest that the imperial court approve them, or even over-approve them, because the bank has money now, and the imperial court also has money now.

What Changsun Wuji wants now is political achievements, that is, Jiangling City will quickly become a central metropolis that is more prosperous than Dingxiang.

Then, this formed a deformed binding model of the interests of their aristocratic family and the interests of the court. This big hotel will continue to borrow money to operate. This collateral child was pushed out to take the blame, and the loss was only 50 guan.

However, Qianzhuang may lose 100 million yuan or even more because of this, and it will also cause some social problems such as employee placement. The same is true for other industries.

The people who came to this conference were not fools. After Wang Xu gave them some explanations, they immediately understood.

"The current market in Datang is huge, and everyone uses their own money to do business. If you have 100 million guan, you can only open a big hotel. However, if you invest 50 million guan, you can find a bank to borrow hundreds of thousands of guan If it is the case, you can open two or even three at the same time. Of course, the hotel industry is just an example, and other industries can do the same.

You want to engage in ocean transportation, the original money is only enough to buy ten sea ships, but through borrowing, you can buy twenty or thirty ships, which not only expands your industry, because you owe money to the bank, the court And I dare not let you easily have an accident and ruin the property. "

After Wang Xu explained this truth to everyone, it was as if the two veins of Ren and Du had been opened up in an instant, and all kinds of ideas burst out.

It turns out that not only the poor people need to borrow money, but also rich people like them need to borrow money to operate in order to develop better and faster.

Afterwards, what everyone was talking about was the distribution of industries and how to borrow money from the bank. Just a few simple words, Wang Xu became the central figure of this banquet, but Lu Wenzhong and others , They can't get angry even if they are angry, they don't have a better strategy than those proposed by Wang Xu.

For such a large-scale gathering in Dingxiang City, it is impossible for Li Shimin to fail to catch any wind. The secret guard system has even found out that they were the ones who directed the drama that all the people returned when Sun Xiangfu went south.

In Li Shimin's view, they alienated their relationship with Sun Xiangfu. If it wasn't for the fact that they didn't want Sun Xiangfu to return to the center again, they would attack them in the future. Because of the purposeful behavior, he needs to be taught a certain lesson, so he didn't pay attention to these small actions of Shi Jiazi.

Li Shimin, however, was a little confused after receiving Wang Xu's main speeches at the banquet, because just judging from the few words Wang Xu gave to the public, it seemed that this was just a commercial act. And, by the looks of it, it looks like a win-win situation.

Because Li Shimin knows the current situation of the bank, the people's deposits are increasing, and due to the cessation of the Tang Dynasty's foreign wars, the speed of minting coins is getting faster and faster, and the bank's current money has accumulated to a very alarming figure, reaching three Billion.

If the money is not loaned out to make a profit, then the bank may face losses, because the entire bank system needs to operate nearly 10,000 business offices and be responsible for the salaries of more than [-]+ people. Even after the new coins are minted, the loss of storing coins is reduced. A lot, but that's still a loss, and it won't work if things go on like this. Gao Shilian has already started offering discounts, and reminded him. It seems that it is a good idea to lend money to these aristocratic families to stimulate the business development of Datang. way.

Previously, didn't Sun Xiangfu also use the strategy of binding the interests of the aristocratic family with the court so that they would no longer dare to do things that would harm the country and the people? In his opinion, there should be only benefits and no harm if it continues .

Therefore, Li Shimin did not make any policy response to this. The Qianzhuang currently has its own management system for lending, as long as these aristocratic families can operate under the management system of the Qianzhuang.

And what he has to do now is to return to Chang'an, preside over the imperial examination with a scale of more than 5 people, and after the end of the imperial examination, assign a whole round of internal affairs tasks and strengthen internal governance. After all, according to Sun Xiangfu, Fang Xuanling, Li Shimin also listened to the suggestions of Xiao Yu, Changsun Wuji and others.

Therefore, he held a large banquet at the Wangjianglou Hotel to bid farewell to representatives from various countries in the Western Regions who had not yet left Datang after the sports meeting. The Four Books and Five Classics annotated in vernacular were given to the representatives of various countries, telling them that these are the foundations of Datang’s governance of the country. Be an official in politics.

This made the representatives of various countries very happy. They had already signed some agreements with Fang Xuanling, the new Minister of Rites, that is, to send some of their domestic talents to study in the Tang Dynasty. The main content of the agreement is the number of students studying abroad and As for the funds for studying abroad, the money Fang Xuanling got from them must be enough to build a university in Chang'an that can accommodate tens of thousands of people.

(End of this chapter)