Chapter 71 The cost of 500 yuan is 60,000 taels In the Minglun Hall of the Golden Ladder Academy, Lu Xiangsheng came to the stage and looked at the crowd: "This mansion is here, just say a few words, all students, this mansion is here to mention two points, I hope you will keep it in mind!"
First, morality comes first, and discipline and law abid!
We will not tolerate students who violate laws and disciplines, take up lawsuits, form gangs and factions, and seek profit!
This is not only said to you, but also to all the students in the Daimyo Prefecture, and even once the people are discovered, they will be immediately expelled from the meritorious service, and will not be tolerated, I wish you the title of the gold list as soon as possible!
”Then, Quan Xu announced the start of the class.Of course, this is just a ceremony and does not need to be taught in earnest.Qu Liuyang gave thousands of books to Jinti Academy on behalf of the government, if according to the market price, these books would need thousands of taels of silver, of course, this belongs to the preparation of persuasion, no money is needed.Niu Jinxing accepted these books, pen, ink, paper, and inkstone on behalf of Jinti Academy.Quan Xu led Lu Xiangsheng and others to visit the classrooms and libraries of Jinti Academy, and Lu Xiangsheng and other officials looked at the books in Quan Xu's library.The number of these books is not too much, and the total number of various books is only about 10,000 volumes, which are basically Mongolian enlightenment readings, plus some books of the Five Classics.Of course, this is mainly related to the fact that Quanxu's academy is mainly based on Mongolian learning, and has not yet carried out a deeper education.Donglin Academy is an institution of higher learning, and the first time to get started is to show off your talents and fame, and it is not about basic learning.Still, the officials' jaws dropped.The printing quality of these books is really good, the paper is thick, the font is clear, and the size is consistent.On the other hand, the official books published by the imperial court are more like pirated copies.After visiting Jinti Academy, Quan Xu arranged for everyone to eat in the canteen, and Yuan Shiqing, Niu Jinxing, and Sun Zuwang were responsible for entertaining.Meals are mainly meat-based, with stewed chicken with potatoes and braised duck served in unlimited quantities.Niu Jinxing pointed to the wide cafeteria and the students who followed the queue in the later generations and said, "This is the school prepared by our mountain chief for the academy, and it is self-service!"
”"What is self-service?""
Do it yourself, have enough food and clothing!"
Niu Jinxing explained: "The students here have to line up with their lunch boxes to receive their meals, and the meals are provided in unlimited quantities until they are full, and no food is wasted!"
”The officials looked at the canteen operating table with a drawer of steamed buns, bowls of rice, steamed buns, pastries, noodles, rice porridge, as well as a large pot of braised duck meat, stewed chicken with potatoes, radish vermicelli, and hot and sour cabbage, celery fried shredded chicken breast, and so on."
We're doing the same today!"
The officials of the Ming Dynasty were very low, of course, there was no problem with a family full of food and drink, but the arrival of officialdom and daily entertainment were completely insufficient, especially the officials who followed Lu Xiangsheng, they all belonged to the Qingshui Yamen, but there was no oil and water to fish.The officials looked at the full amount of chicken and duck meat, and they were extremely excited.Just when everyone was eating, Quan Xu hosted a banquet for Lu Xiangsheng, Qu Liuyang and Zhang Shuhan in the Dongnuan Pavilion.Delicate dishes, a few glasses of white wine on the stomach.Quan Xu looked at Lu Xiangsheng and said his plan.Qu Liuyang and Zhang Shuhan didn't speak, but Lu Xiangsheng was anxious: "Are you going to open a bank?"
”"Yes!""
Then tell me first, is there a difference between a bank and a bank?""
Yes, it's a big difference!""
First of all, this bank does not charge money, and pays them a certain amount of interest!""
No deposits, no interest?"
Lu Xiangsheng smiled bitterly and said, "Do you think you have a lot of money?"
Is it hot?
”"Not really!"
Quan Xu smiled bitterly: "If I don't pay interest, who will put the money in my bank?"
”"The more money you attract, the more you lose?"
Lu Xiangsheng couldn't figure it out, Quan Xu didn't look like a person with a problem with his head, why did he do something stupid?"
What is the deposit for?
Naturally, it is a lending!
I lend the deposits I have absorbed to people who are in urgent need of a large amount of capital turnover, and set the interest rate of the loan ten times higher than the interest on the deposit, then I will make money!
Now that the Chinese New Year is coming soon, and spring will begin after the year, we must prepare for spring ploughing, and the homes of ordinary people, if there is surplus grain, there is no need to panic, but if they have no money, won't they want to borrow usury?
My bank has an annual interest rate of two cents, and if the people borrow money from the bank, they will not go bankrupt, sell their children and daughters, and their families will be ruined. ”When Quan Xu said this, Lu Xiangsheng vaguely understood Quan Xu's intentions: "Do you want to emulate Wang Wengong?"
”Wang Wengong is the left servant of the Song Dynasty, the scholar of the Guanwen Palace, and Wang Anshi, one of the eight masters of the Tang Dynasty.When Wang Anshi changed the law, he once proposed the Qingmiao method, that is, the "ordinary new law", the main content of which is that Zhulu is based on the 15 million stone money stored in Changping and Guanghuicang, and if it is grain, it will be exchanged with the transshipment department for cash, and the cash will be loaned to the vast number of rural households, and the surplus can also be loaned to urban households.When applying for a loan, five or ten households must be combined into a guarantee, and the upper third-class households shall be guaranteed, and the summer material shall be loaned before the 30th day of the first month of each year, and the autumn material shall be repaid with the second tax in May and October respectively, and the interest shall be collected in two cents.In good conscience, Wang Anshi's original intentions are good, and most of the interest rates of private usury are nine out of thirteen, with an annual interest rate of two cents, and this interest is already very conscientious.However, in the process of implementing this decree, it was a little simple and rude, and the people who did not need to borrow money were also forcibly apportioned, with an annual interest rate of up to two cents, which was a large expense.The Qingmiao Law had the greatest impact on the money banks and usury controlled by the local wealthy families, and the impact on the people was not small.Quanxu didn't start the bank purely out of good intentions.The profits of the banks are very amazing, the world's top 500 enterprises ranked 26th in the Industrial and Commercial Bank of China, the 31st is the China Construction Bank, the 36th is the Agricultural Bank of China, the 40th is the Bank of China, and China Mobile is only ranked 53rd, far behind the banks.Quan Xu originally did not have the capital to open a bank, and he got more than 200,000 taels of silver from the attack on Jiming Village, although only half of this money belonged to Quan Xu, but Quan Xu got so many materials from the later generations, the young people of the Daimyo Mansion would definitely not spend it, but Quan Xu was confident that they would leave seven seven eight or eight.Of course, after the surveillance of the drone, the Huang Mansion prepared 270,000 taels of silver, plus tin, white copper and other materials, pretending to be 500,000 taels of silver, and he cooperated with Liu Qiao, so it was not a problem to swallow it.Then, the silver in Quan Xu's hands is as much as more than 400,000 taels, and as a bank that only exists in the territory of the Daimyo's Mansion, these principals are enough.Lu Xiangsheng has no reason to refuse Quan Xu, after all, after the beginning of spring, no one knows what the weather will be, in case of drought or other disasters, the people also need money to save the emergency.Even if the wind and rain can be smooth next year, who can guarantee that there will be no disasters and no patients?
Seeing a doctor in the Ming Dynasty was also quite expensive, and Quan Xu's manor invited a Lang Zhong, purchased some medicinal materials, and gave free medical treatment to the villagers, but if the gentry in the world were like Quan Xu, there would be no problem in the Ming Dynasty.But the key is that there is only one Quanxu, and I hope he can maintain his original intention in the future.Lu Xiangsheng agreed to Quan Xu's request in principle, and Quan Xu asked Yuan Shiqing to follow Lu Xiangsheng and others back to the Daimyo Mansion overnight to go through the procedures for preparing for the establishment of the money bank.With Lu Xiangsheng as the endorsement, everything went very smoothly.The three shops that Wuliu Huangmen pretended to sell were all bought by Yuan Shiqing at the opportunity, but the price was a little expensive, a wine shop that was originally not well managed, the price of food soared, and whoever was making wine would lose money.This shop is located in the direction of the southern part of the Daimyofu Castle, with fourteen façade houses on the street, with more than 100 houses, and three courtyards in front and back.A cloth village with a five-room façade house, and a large warehouse at the back.A carriage and horse shop, but located in the north of the Daimyo Mansion, covers an area of more than ten acres of land, and the three shops all cost more than 60,000 taels of silver.The person in charge of the transaction is still Chen Ying, and the delivery location is in Quanxu's Zhuangyuan.In the same way, Quan Xu paid with modern handicrafts, five citrine fortune trees made of glass of the same style, each fortune tree was priced at 1,800 taels of silver, ten crystal balls, what was accompanied by a deer, the eagle spread its wings, etc., each ball was worth 1,500 taels of silver.Three crystal hourglasses, each worth eight hundred taels of silver, and fifty golden crystal ingots, were valued at six hundred taels.In the end, with some messy things, Chen Ying was finally satisfied.Chen Ying handed the deed of the three shops to Quan Xu, who looked at the three shops, which have 236 houses and a total area of 43 acres.Quan Xu used a bunch of things that cost no more than five hundred yuan to get it done.Just as Chen Ying was about to leave, Quan Xu looked at Chen Ying's back and said, "Fat Chen, are you interested in doing it with me?"
”Quan Xu is not ridiculing Chen Ying, he is really unavailable.With the arrival of the store, the Huang family's cloth village can be converted into a women's shop, and Hongchen can take over, but the bank still lacks a big shopkeeper."
Haha!"
Chen Ying actually had the intention of leaving the Yellow Mansion, his goddaughter Taoxian was redeemed from the Yellow Mansion by him for one hundred and fifty taels of silver, and became a free body, and he himself moved out of the Yellow Mansion and lived in the purchased courtyard of the Daimyo's Mansion City: "If you want to buy me, it's not easy, my price is very expensive!"
”"Oh, really?"
Quan Xu is the thinking of later generations, and he never believed that the so-called family birth child can guarantee loyalty.As long as there are enough chips, a person's left hand can betray his right hand, let alone a person?
He took out a golden crystal apple ornament from the drawer and threw it to Chen Ying casually: "Is it enough?"
”Chen Ying was startled: "My mother, this can't fall!"
”Chen Ying didn't look fat, his reaction was still quick, and he grabbed the golden crystal apple with his hand.However, apples were only introduced to China at the end of the Qing Dynasty, and Chen Ying didn't know them, but looking at the size of crystal apples, they were much better than crystal gold ingots."
Isn't it enough?"
Quan Xu put the seven crystal apples of seven colors on the table: "Is it enough?"
”"The owner is above, please accept Chen Ying's worship!".