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Chapter Thirteen Financial Management

Updated: 2010-04-10

The next morning, Chen De had just finished washing up, and before he could practice morning, Zhang Zhongyao came to ask for a meeting. Seeing bloodshot on his eyes, it was obvious that he had been with the Jinling merchants all night last night, Chen De couldn't help but feel a little guilty, and called him to sit down and blamed him: "If you have to take on a great responsibility in the future, how can you not care about your health?" He ordered the servant to remove the hot tea and bring the cooked meat porridge.

Zhang Zhongyao bowed and said, "Thank you, lord, for your concern. This is the business gang agreement discussed with the merchants of Jinling last night with Gouluoan, Han Shang and other Jinling. Fortunately, I am not disgraced." After saying that, he handed over a stack of white paper with handwriting in his arms. Chen De took it and looked carefully word by word. The general point is no different from the modern corporate governance structure he and Zhang Zhongyao explained, but he added a lot of business practices at this time.

In order to avoid the big tree attracting wind, the merchants named it a floating sea voyage, claiming to be doing business of buying ships to sea. To cover up, Korean merchants prepared to turn over several of their ships into shares and invest in the Jiangnan Chamber of Commerce, and trade rice and gems between the Siam River Champa. These merchants originally prepared a lot of cash to pay back to Chen De. Now that they have a better opportunity, they have almost invested in it, and have reported a total of 500,000 yuan.

Guan Ershi stocks, more than 500,000 yuan of stocks, and more than 300,000 yuan of stocks, the Jiangnan Chamber of Commerce calls it floating sea coupons, sea coupons and bond coupons. Many merchants also said that they would ask relatives and friends after they go back to see if there are still people who are willing to invest money in this business that seems to be very profitable. In general, the shares held by Anxijun account for a large part of the floating sea coupons, and the profit of diversion is also large. Chen De was still very satisfied with this.

Chen De carefully read the articles of the merchant gang, and listened to Zhang Zhongyao's plan to report to the chamber of commerce, and smiled bitterly. If he followed the rules of the Securities Law of the later generations, Fu Haixing could have made false statements. Fortunately, it was not a public offering company, and his original intention was not to take away other people's capital. Looking around the world, no one dared to arrest himself and go to jail. It can be expected that when the Anxi Army controlled the East-West trade routes, the profit returns of floating sea coupons that were not capped every year would be amazing, and the price of floating sea coupons would also rise. As long as they obtained extremely high profits for two or three consecutive years, these merchants were not fools and would definitely join the stocks.

According to the extremely low return on capital in all walks of life in this era, the price of a stock at that time was not the same, but was likely to reach a high price of dozens of cents. By then, not only could it raise more capital, the value of the more than 4 million cents of shares held by the Anxi Army could also rise to hundreds of millions of cents of cents. Whether it was cashing out or taking advantage of the gloves, the Anxi Army's finances had reliable guarantees to ensure the future development of the Western Regions and even expand the financial support needed to reclaim the West. Through an institution like the Floating Sea, the financial resources accumulated by the Central Plains for hundreds of years can be transformed into the desire and strength to expand outward. The powerful war strength of the Anxi Army that Chen De worked hard to manage can also be realized into rich income and provide good treatment for the sergeants.

"It's done very well." Chen De smiled at Zhang Zhongyao, "I don't know if the wealth accumulated by the Central Plains merchants over the years can be leveraged in one fell swoop. The more people communicate the benefits of industrial and commercial affairs, the more they have recently shared the profits, the more they will be guaranteed." He thought to himself secretly, if the savings of the court's bureaucratic group were also involved in the holding of the three securities of the floating sea, the court would use troops to Hexi, I'm afraid there would be many opponents. It is the interests of the Zhao family to reduce the vassals. As a minister, he only wanted to have a rich fortune in the officialdom.

Zhang Zhongyao lived in Dunhuang for generations, which was a gathering place for East and West merchants. He was quite knowledgeable about business. He was full of admiration with this floating sea charter: "In this way, merchants enjoy their business, and warriors enjoy their battles. My Western Army will enter the Western Regions without any disadvantage." He paused, smiled, and bowed and said, "Among these merchants in Jiangnan, there is a man named Qingchi who asked for advice, saying that there is a wonderful way to manage wealth for the country and give it to his lord." Chen De smiled and said, "Don't laugh at the fact that there is no one in the country, and the pillars and virtuous deities are abandoned in the wild. In the afternoon, you will use the excuse that your wife would buy brocade and take him to the mansion to meet him."

In the afternoon, Chen De summoned Qingchi in the study room of the inn. Chen De had no impression of this person. Zhang Zhongyao introduced in advance that he was not a scholar and turned to business. Unexpectedly, he had some talent. In a few years, he managed several inns and inns very well and even took over many business operations of the imperial guards who had arrived in Jiangnan garrison. He was regarded as a rising star among the Jinling merchants.

When Chen De saw Qingchi, he felt that this person was ordinary, with simple clothes, thick lips, and his eyes were very erratic, like the accountant. Qingchi saw Chen De, but he was a little restrained, calmed down some of his excitement, and bowed respectfully and said: "I belonged to Qingchi, who was the master. Qingchi originally thought that he was quite talented in doing business. Yesterday, he heard that he wanted to build a business gang and swallow the east and west business gangs and profits. He realized that he was arrogant and sat in a well to see the sky. He was simply a pearl of rice, and how could he compete with the bright moon. He was willing to follow the horse's tail and work for the adults."

Chen De waved his hand and told him not to be too polite. Ai Sheng said, "I heard Zhong Yao say that you have a way to make money and you want to give it to me. Can you tell me?"

When it comes to money, the originally ordinary Qingchi seemed to be lit up like a lamp, and a layer of excitement appeared on his face. He nodded and bowed: "I think, the adults have great ambitions, and the financial support must be the greater the better. Qingchi is not talented, and there is a small way to manage finances that can relieve adults' worries."

When Chen De saw that he was interested in financial management, he smiled and said, "What is the wonderful method?"

Qingchi raised his head and said, "I wonder if you understand the method of bidding?"

Chen De smiled and replied: "I know." He knew that most of these skilled people had pretentious habits, so he patiently cooperated with Qingchi to show off his knowledge.

Qingchi said: "This is easy to explain. The following method of financial management is that if the adults take Zhucheng in the Western Regions in the future, they can divide the large and small land shops and houses in the city into several areas, but do not sell them with others. They only ask the merchants and people in the city to bid, and there is no restriction on the participation of foreign merchants, or simply I will participate in the bidding to increase the price of the land house. Decades later, the cities in the Western Regions have accumulated some wealth of trade in trade. The military government can demolish the city areas in pieces on the pretext of old houses and compensate the residents according to the fixed amount. When the newly sold houses, merchants and people still bid for the price, so that there is no need for other means, all the wealth of the people in the Western Regions will be returned to the adults."

Chen De was frightened, his face remained silent, and he pretended to be puzzled: "If other people saw that the land shops were bidding at high prices, they all cut prices and asked for sale, lowered prices, or even deliberately raised prices and sold, and competed for profit with me, how to deal with it?"

Since Qingchi dared to come and offer advice to him, he had his own way of making a move and said with a smile: "This is not difficult. You just need to prohibit the people from buying and selling land and houses privately. All the kings are under the world. Also, if the people build houses without authorization, they must be severely punished and not borrowed, so as not to gain huge profits." When he came to meet Chen De to seek an official position, he also brought some official power and momentum on his face.

Qingchi became more and more proud of his words, and smiled and said, "Guanzi said, if one hole is profitable, the country is invincible; if two holes are produced, the army is half bent; if three holes are produced, the country cannot be raised; if four holes are produced, the country will be destroyed. The previous king knew this, so he blocked the envy of the people and narrowed the profit path. Therefore, he gave it to the king, seized it in the king, poor it in the king, and rich it in the king. Therefore, the people wear it like the sun and the moon, and close to the king is like parents."

Qingchi looked at Chen De with a book bag falling aside. He and she smiled and nodded, with no sign of boredom on his face and were excited. This time, Zhang Zhongyao asked for a meeting was not only to offer a method of financial management, but also to show that he had a deep understanding of the way to govern the country and safe the world in front of Chen De.

Unexpectedly, Chen De started his career with military affairs and had many elite soldiers and generals on his side, but civil officials must be in urgent need. As long as he seized this opportunity to contact Chen De and left him with a capable impression, he might be able to leaps over the dragon gate, which is more effective than passing the imperial examination. This mentality is similar to the painstaking study of later white-collar workers who want to impress the chairman within thirty seconds of taking the elevator.

"As long as the adults and the military government control the huge profits of buying houses once in decades, no matter how many ways to make money from the Western Regions merchants, they still have to pay them with both hands in the end. This is the mystery of "profits come out". The bidding system for land and houses will continue to transport the wealth of the Western Regions merchants to the adult's treasury like a funnel. At that time, the adults hold a strong army in their hands, and the treasury is full, sweeping the world like a palm." Qingchi not only spoke in detail, but also spoke louder and louder, gradually showing a sense of arrogance. Even Zhang Zhongyao next to him was secretly shocked, thinking that as the adults said, the talented and virtuous scattered in the wilderness. When Qingchi first met, he was just a merchant. Who would have thought that he had such talent?

After listening to him patiently, Chen De said slowly with a smile: "Qingchi's strategy is very good. I have a way to manage finances. When the merchants bid for land and houses, they are afraid that their financial resources are insufficient, so they came to Fuhai Bank to lend a huge sum of money. The merchant valued profit and ignored separation, so they asked him to take out some material and return it early within a few years. The people can relocate to the land and return it monthly within decades. In this way, Fuhai Bank will collect huge profits. What's even better is that the loaned money has been transferred around and returned to the treasury."

Qingchi originally thought that his method of making money was an incredible calculation, but Chen De added a few strokes and had the effect of finishing touch. He slapped the high-fives and said, "A clever plan is a business that is unstoppable. The people have to pay back the money every month, so they can only save money, and the accumulated wealth will be even more. The lord is far-reaching, and Qingchi is beyond the reach of the dust!"

Note 1: In the third year of Xining, the same-sponsored Qinfeng Road, and the text of the text of Wang Shao said: "Along the border prefectures and counties, Qinfeng is connected with the Western Fan countries. The goods in the foreign countries flow in all flowing, and those who return to me are not a few hundred million yuan a year, but the profits of the merchants are all the people. If you want to establish a municipal and Yisi on this road, you will borrow official money as the basis, and you will get the profits of merchants, even if you enter one year, you will not be less than one or two hundred million yuan."

Note 2: In order to prevent the sale of public housing, the Song Dynasty government specially designed a bidding system - allowing all home buyers to bid in writing in a place, and after a period of time, they will sell the house to whom who pays the highest price. (Please note, this is a secret bid) When the Song Dynasty government publicly bid, it would post a notice at the yamen gate, which would state the location of the house, the number of houses, the bidding location, the bidding period, etc. The bidding period can be long and short, two months long and one month short. In order to prevent individual home buyers from not keeping their promises, the Song Dynasty government asked bidders to mortgage their own house. If they don’t have a house, they had to find someone to protect, with a mortgage and a guarantee, and then they could participate in the bidding. In this way, home buyers must bid rationally, otherwise they will suffer losses.

Author: From the above historical fact, we can see that the trade volume was so huge that relying on Qin Feng alone, even Wang Shao, who was not good at doing business, dared to boast to the court that he could earn 10 or 20 million yuan a year. The annual profit of Fuhaixing would be far more than this. Moreover, reasonable trade would also change the economic structure of all parties involved, resulting in the trade volume increasing year by year. Judging from the speed of capital accumulation in the Central Plains at that time, Fuhaixing's huge stall had almost infinite capital absorption capacity.

The content of this chapter is a bit terrible and is purely fictional. You can just smile after reading it, so there is no need to delve into the comments.
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