Chapter 98: Possessing a physique that attracts rebels

Chapter 097

In future generations, the most profitable industry is actually not real estate, nor the Internet, nor new energy, nor oil, natural gas, nor computers and mobile phones, but the banking industry.

Cheng Shijie saw statistics compiled by a group of professional organizations in later generations. Among the world's top 500 companies, 136 Chinese companies have entered the market, including ten banks. The profits of these ten banks have reached the level of the Chinese shortlisted companies.

41.7% of the total profit. As an upstart in China's new energy vehicle industry, BYD's profits can only catch up with the six major banks in one day in three years.

Banking is one of the most profitable industries, but the problem is that the threshold for private banks is too high. Even if you want to get involved, you have no chance. But in the Ming Dynasty, there were not so many scruples.

But the problem is that banks are making so much money, but no one can see it.

"The biggest difference between a bank and a bank is that a bank lends other people's money and uses other people's money to make money, while a bank uses its own money to make money. No matter how much money a person has, he cannot have the money of everyone in the world.

many!"

Cheng Shijie also wanted to understand Yang Yunniang's concerns. The financial environment in the late Ming Dynasty was different from that in later generations. In later generations, it was the era of virtual currency and mathematical currency. Money was just a number. Whether it was for billionaires or ordinary people, money placed in the bank basically did not matter.

There will be no shrinkage or loss.

But the Ming Dynasty was different. Although the Ming Dynasty also had silver notes, in daily life, they were mainly copper coins and broken silver. Like the boxes of silver ingots in movies and TV series, they could only appear in bulk material transactions.

Moreover, silver itself is a metal and is easily oxidized in a humid environment. Once the silver is oxidized, it will inevitably be lost. This is the real reason why banks charge depositors a custody fee when they deposit money.

To give a very simple example, the storage interest rate in banks in later generations is generally about 3%, and the general commercial and housing loans are about 6%. Different banks have different fluctuations.

The daily profits of all banks in China relying on housing loans will be 22 trillion yuan in 2021, and the banking industry will be about 8.3 billion yuan every day. Note that this is every day.

To be fair, opening a bank in ancient times was more profitable than in later generations, because the interest rate of banks in this period, due to the loss of fire, was 300 to 400%. In later generations, this interest rate would all be usury.

As long as you borrow money, there is no possibility of not being able to repay it. In Wang Anshi's political reform, the Green Seed Law proposed by Wang Anshi, with an annual interest rate of 20%, is called good governance. If you leave it alone, you will be scolded.

Cheng Shijie has a special understanding of the interest rates of banks and departments. Although it is not as exaggerated as 300% to 400% in the early Song Dynasty, there are still more than 780%. 340% is considered a conscientious bank.

Cheng Shijie just sat down and patiently explained to Yang Yuniang: "What are the deposits taken in for? Of course they are lending! You lend the deposits taken in to people who are in urgent need of large capital turnover, and set the loan interest rate higher than the deposit interest rate

If it’s ten times higher, you’ll make money!”

Yang Yunniang was stunned and said: "Can we still lend money?"

"Nonsense, after all the hard work to attract deposits, of course it is for lending!!"

Cheng Shijie said: "The food and accommodation of Ning Navy officers are all covered by the Ning Navy Military Headquarters, that is, the commander. The soldiers can't spend much money at all. If you propose an annual interest rate of five percent, they will definitely flock to it. Ning

The admiral will keep the money in the bank unless necessary. You can lend the money out. We don't have to be too shady. The annual interest rate on the loan is 20%, even if there are labor costs and fire losses.

The net profit will also exceed 10%."

Yang Yunniang finally understood what Cheng Shijie meant, and finally understood that Cheng Shijie was as reliable as before. This trick was simply borrowing a chicken to lay eggs. Using other people's chickens to lay eggs for oneself.

He uses a certain amount of interest to absorb deposits, and then lends them. The loan interest minus the deposit interest is his profit. This business... is successful!

It's like using other people's money to lend money, but the money you earn belongs to you. You would be a fool not to do this kind of business!

Seeing the light in Yang Yunniang's eyes, Cheng Shijie smiled and said, "Do you understand now?"

Yang Yunniang nodded vigorously and said: "I understand, the commander-in-chief is really unpredictable. If you really start this business, it will be difficult not to make money. Even if the commander-in-chief is not an official, he will not be able to use his business skills alone."

How long will it take to become the richest man in Ming Dynasty!"

"The richest man is nothing. The fat pig's final fate is to get stabbed!"

"but……"

"But what?"

"However, if we do this, I'm afraid it will arouse the hostility of those banks and cut off people's financial opportunities, just like killing their parents!"

Cheng Shijie smiled disapprovingly and said: "They don't accept it, so they can only endure it. If they dare to act recklessly, will I, Commander-in-Chief Twenty Wan Ning, be a vegetarian?"

Yang Yuniang thought about it and it was right. Cheng Shijie had a lot of troops, and there was no government office in southern Liaoning now. Even if there was a government office, what would happen?

General Cheng Shijie was not a military general who could be manipulated by civilian officials. He was aggrieved, and Ning Haijun directly rebelled. If the government established in Liaonan in the future dares to trouble Cheng Shijie, Ning Haijun's soldiers will kill those soldiers without his order.

The official was buried alive.

"Now that you have seen it, you have to remember that we just want to steal meat from the banks. The interest rate of our Liaonan Bank must be lower than that of the banks. From the beginning, we set the deposit profit as the annual interest rate.

Fifth, the annual interest rate on the loan is 20%. Also, the loan repayment date is looser than that of bank loan sharks, so that both savers and borrowers should feel that it is cost-effective to save money and borrow money from you."

"Commander, there is one more question!"

"What?"

"What if, what if... slaves, what if they can't repay the loan or run away?"

"Wouldn't you evaluate the other party's ability to repay the loan in advance?"

Cheng Shijie looked at Yang Yuniang and said, "You don't want to just grab a random person on the street and lend money, do you? If you have this idea, I can only withdraw your appointment as bank general manager."

Yang Yunniang was a little embarrassed.

"Before lending, you should assess his repayment ability and fixed assets in advance! Make sure he has the ability to repay the loan before lending! Also, before lending, you must conduct a detailed assessment of the other party's fixed assets. If the other party repays the loan when it is due,

If you can't afford a loan, just use his fixed assets to pay off the debt. The bank will not suffer a loss no matter what. Of course, the cost of evaluating the fixed assets will be borne by the other party."

Yang Yuniang thought for a while and said: "In this way, the risk is greatly reduced! But if the other party borrows a loan, sells the assets in his name, and absconds with the money, what should we do?"

Cheng Shijie said: "If we use land as mortgage, we will take their title deeds and use houses and shops as mortgages. Without house deeds and land deeds, we cannot transfer the ownership. If anyone still trades knowing that the other party does not have a contract, the transaction will be invalid. Ning Haijun is responsible for helping the bank

Forced take back!”

Cheng Shijie still has some conscience. Unlike later generations, when the bank lost the depositors' money, the court sentenced the depositors to bear 80% of the responsibility. Moreover, the problems caused by the employees were actually the employees' personal responsibilities and had nothing to do with the bank. This is really fucking

The double standard is that if an employee of an enterprise suffers a work-related injury or human error during work, the enterprise shall bear full responsibility for the loss.

Things change when you get to the bank. This is really a typical double-standard dog. (I would like to advise you not to trust private or small private banks, or rural commercial banks restructured from local credit cooperatives. The water inside is very deep, so be careful not to be fooled)

Jinzhouwei has now become a huge construction site, and it should not be called an ant nest-like construction site. There are many places in Jinzhouwei that are not suitable for land reclamation, so Cheng Shijie designated the hills and mountains formed by these gravels and stones as industrial

land use.

In order to build factories, the hills in Jinzhouwei will be blasted flat, and the rocks will be used on site to become building materials for building factories. Of course, the trees on the mountains will not be wasted, and will be cut down in advance, and can be used as lumber.

The trees that could not be used as wood were sent to the woodwork factory, or were burned as firewood and burned into charcoal. Charcoal was also the main raw material for making gunpowder. Ning Haijun's factory originally built in Ninghai Prefecture was gradually rebuilt in Jinzhou Wei.

There are more than 100 factories including carriage factories, ironware factories, farm implement factories, tooth powder factories, soap factories, canvas factories, textile factories, brick and tile factories, briquette factories, cast iron stove factories, shoe and socks factories, quilt factories, etc.

Construction begins simultaneously.

Building factories and building roads requires the use of a large amount of steel, cement, lime, bricks, and sand, which requires a large number of workers, which almost absorbs Ning Haijun's surplus labor force. The pit owners who produce lime and bricks work day and night.

Even though I work two shifts, I'm still too busy.

So many factories naturally require a lot of manpower. As Cheng Shijie established his foothold in southern Liaoning, more and more surviving people from Liaodong also came across the sea. As long as their hands are not afraid of fatigue and their feet are not afraid of the long journey, they can live in southern Liaoning.

Find a job that suits you, and through work, you can earn food and wages.

Now Liaonan has begun to build factories and produce products at the same time. As time goes by, there are more and more various production and daily necessities on the market in Jinzhou Acropolis.

However, as the surviving people from Liaodong flocked to southern Liaoning, many problems arose. First of all, the Ning Navy army was a bachelor army, and most of the field soldiers were bachelors. They were originally at Dengzhou Weizuo Qianhu Station.

, it is difficult to see women. Especially as people from Liaodong flock to Liaonan, the problem between men and women has become very serious.

He found Zhou Yandong and ordered Zhou Yandong to strengthen inspections and organize night patrols. If he found anyone peeping at women, he would immediately catch them.

In the absence of established military discipline requirements, Cheng Shijie did not want to impose any punishment on these soldiers for the time being. He could also understand the feelings of these soldiers. Even for a professional army in the 21st century, the temptation of women is quite irresistible.

This problem cannot be solved by simple orders, it requires a complete set of reasonable systems and structures.

There are some problems that Cheng Shijie cannot solve. In the troubled times of the late Ming Dynasty, the cheapest thing is human life. Of course, when human life is not valuable, dignity is even less valuable. There is a supreme upper line for human moral standards. At the same time,

It's also shockingly low.

In order to survive for a bushel of grain, a young girl was sold as soon as she was told to sell it. As for how the sale went and what their fate was, no one cared about it, just like when Cheng Shijie adopted Cheng Shi, Cheng Hu, Cheng Anjing, and Cheng Anning

When raising his four adopted children, he actually didn't spend much money.

If Cheng Shijie wanted to be a beast, no one would care about the fate of Cheng Anjing and Cheng Anjing. There was not even a hint of coercion in this buying and selling process. If Cheng Shijie was willing at that time, he could even adopt them without spending a penny.

Hundreds of children.

Not to mention the issue of force or non-force, some people have become accustomed to this kind of indifference and regard survival as their ultimate goal. As long as Ning Haijun's soldiers hold a few steamed buns or steamed buns while eating, there will be many women willing to follow them

Go into the woods or a deserted corner.

In this case, Cheng Shijie must pay attention to this issue and properly solve it. Once something goes wrong on this issue, it will be a big problem.

Secondly, there is the issue of hygiene.

Do these Liaodong refugees have any diseases? Are there any infectious diseases? No one will answer this question, because almost all Liaodong refugees are in a sub-healthy state. Cheng Shijie does not want the Liaodong refugees to infect his troops with diseases, and a plague spreads

, not to mention the 20,000 men of the Ning Navy, or even the hundreds of thousands of people in southern Liaoning, it is possible that they will die within a few months.

For this reason, Cheng Shijie had to build two huge bathhouses for men and women in the North City of Lushun, outside the mighty city, using wooden fences, soil, and weeds. In order to avoid hygiene problems, these bathhouses were all independent wooden barrels.

It also needs to be disinfected repeatedly with quicklime and salt.

First take a bath, boil the clothes of the refugees in a large pot, and after high-temperature disinfection, put them in the drying room for forced drying. After the refugees from Liaodong have taken a bath and put on their old clothes, they can

Along the official road, a distance of 120 miles, Cheng Shijie set up four more post stations. In this way, there were eight inns from Lushun in southern Liaoning to Gaizhou Acropolis.

These eight inns will not only become supply points for these Liaodong refugees, but also become health observation points for these Liaodong refugees. One hundred and twenty miles away, for the Ning Navy officers, it only takes one day of forced march to get there.
To be continued...