Xinshun 1730

Chapter 254 Gathering into a big pigpen for easy meat cutting

This was Li Gan's first time hearing about insurance, and only after hearing Liu Yu's account did he realize that it had been practiced in Western countries for many years.

According to Liu Yu, it is best for stock trading, stamp duty payment, Liaodong soybean futures delivery, marine insurance, and sea rice to be completed in one building complex, making it the financial center street of Songjiang and even Dashun.

The direct administration by the emperor sent someone to facilitate control, and secondly, it can be regarded as a guarantee of the emperor's reputation, so that more businessmen can be convinced that this is a reliable method.

Ordinarily, this place is best placed in the capital, or at least around the capital.

However, the capital city of Dashun is misaligned with the economic center.

The economic center of Dashun is Jiangnan. The money in the capital is either hidden in the cellars of Liu Yu's fathers, or it is used for lending to earn interest. It is completely inferior to Jiangnan's economic scale.

Relying on taxation and grain rice can be regarded as stabilizing the economy of the capital.This kind of place is not suitable as a financial center.

The emperor must have considered this issue, so the pilot was placed in Songjiang.

Since Songjiang is going to be a pilot, it might as well take advantage of this opportunity to develop all these things.

There is already a foundation laid by the trading company, and taking advantage of the situation, creating these things on this basis can just make up for various shortcomings.

Even if Jiangsu does not have enough money, businessmen from Fujian and Guangdong will naturally come to Songjiang to invest money.

Ships and navigation make the world smaller.Guangdong and Songjiang, on the time scale, are closer than Beijing to Zhangjiakou.

These are profitable transactions, and no one will do them, especially when the news of the trial implementation of water transportation to sea transportation comes, I am afraid that it will be squeezed out.

There are a lot of advantages, and all possible disadvantages are no match for two things.

The navy is in Weihai. If there is chaos in Songjiang, it can arrive in Songjiang in five days.

The arsenal and the field troops after the military reform are all in the north.Jingxiang has the basic board of the Liangjiazi stationed there, who can cut off any turmoil in the south of the Yangtze River at any time.

These two things are enough to ward off the disadvantages that may be thought of at this time to govern.

No worries, he could be strangled to death at any time, so when Liu Yu said that, Li Gan's heart itched unbearably.

He is well aware of Liu Yu's ability to make money, and he has indeed done "not competing with the people for profit", which is completely made out of thin air, rather than taking a piece of the big pie that already exists.

If it is true what Liu Yu said, the stock exchange, stamp duty collection, marine insurance, and rice shipping are all working in a place that is half a government office and half a chamber of commerce. As long as he wants, he can control it at any time.

It's like making a cesspit and gathering the flies in it, saving them from flying around and not being easy to catch.

As for the marine insurance, after a little calculation, I know it is a good thing.

If it sinks and the merchant pays for it, it is likely that a merchant will go bankrupt.

If there is insurance, then the damage to the businessman is also small. The key is... If something happens, the company with so many shares can fully spend enough money to pay immediately without affecting the continued transportation of rice, so as to make up for the shortfall.

If it is only stored in Songjiang and Suzhou for trial, the marine insurance is actually dispensable.

However, it is undoubtedly a good way to consider that in the future it may really change from water transport to sea transport in an all-round way.

In the future, if sea transportation is completely changed, even if the 500 million shi of rice in the south of the Yangtze River is sunk a year, as long as the navy can guarantee "free trade within range", it will only be a mere three or four million taels of silver.

The fact that the imperial court cannot collect money does not mean that the people have no money. As long as the money can be gathered together, even if something happens, it can be requisitioned immediately...

Li Gan heard Liu Yu say "boasting" about Britain many times, and the boast that disturbed him the most was that Britain's annual income was 2100 million taels of silver.

Now that Britain does not have India, Li Gan really can't figure out how to get 2100 million taels.It was even more difficult for him to imagine the upcoming War of Austrian Succession. Britain had raised a national debt of 5000 million pounds, equivalent to 5000 million taels of silver, which was enough for Dashun to repay for five years without eating or drinking without interest.

As for the issuance of national debt by the UK, Li Gan had also heard Liu Yu talk about it several times, and he knew that if the UK really wanted to go to war, it could borrow a large amount of money from the people at any time.

Now that Liu Yu talked about gathering funds in Songjiang, if he really needs money, he can borrow money conveniently, and Li Gan is even more moved.

"You said just now that if the imperial court needs money urgently and all the silver is gathered in Songjiang, how can we borrow the money? If you force merchants to donate, it may be difficult."

"You also know about the founding of the country. When Emperor Taizu came to Beijing, General Quan had money by torturing the capital, but he couldn't get any money when he asked for donations. Could it be that this person changed his temper when it came to our dynasty?"

Generally speaking, the court still has to face.Usually, privileges are exchanged for money, such as donating money to make up a supervisor, and the status of supervisor under the imperial examination system has privileges, which is actually equivalent to selling an official title.

But when it comes time to be shameless, the identity of the imperial examination is very doubtful.Bound to the government, if the government is finished, is the supervisor still useful?
The cruel reality of the fall of the previous dynasty is enough to prove that many people are willing to sacrifice their lives for money.So Li Gan wanted to know how Liu Yu used to make money?
He can vaguely feel that a large amount of funds are concentrated in Songjiang Mansion, and it must be easier to borrow money than to spread it across the country.

Liu Yu said: "Please give me an example."

"If you want to punish the Japanese country, you need money and food to go to war. Your Majesty only needs one sentence: After the war against the Japanese country, the Japanese country is forced to start trade, and the right to monopolize the trade with the Japanese country can be mortgaged."

"Weihai's naval fleet goes around Songjiang and fires a few cannons. Those who know how to do it will understand that our army will surely win."

"Therefore, if it is sold for five years, three to five million taels can be raised in an instant."

"Moreover, there is no need to move the people, no drift, no loss. It doesn't even need to be raised from the outside world. It only needs a trading company that is now facing the Japanese, and it is enough to raise it."

"In this way, there is no need for a penny from the national treasury. You can punish the Japanese country, and you can also ask the Japanese country to pay compensation, and the money will go into the national treasury. Not only does it not cost money, but it also makes money."

"In the future, the trade with Japan will develop more and more. After five years, it may not be difficult to sell one million taels a year. In this way, we can increase the annual revenue by one million."

"It's a way."

"There is another way. Your Majesty has a lot of stocks now. In the future, capital will be enriched in Songjiang. If your Majesty wants to borrow money, you only need to use the stock annuity as collateral and annuity dividends as interest to raise millions of taels. And at most ten days."

"Of course, if it's not an extreme situation, it's really unnecessary. It's just that if the situation of Liao's payment in the previous dynasty really happened, it can be used. It is self-evident which one is more beneficial to govern Songjiang or collect Liao's payment from the whole country. .”

Li Gan originally had the idea of ​​building Songjiang into a big pig pen to raise big fat pigs, what Liu Yu said was exactly in line with his secret thoughts.

For example, the order to move to Maoling in the Han Dynasty was to force the redistribution of land and weaken the powerful.

But now, the funds are concentrated in Songjiang.

Businessmen are not powerful and do not need to be weakened at all, because they have no political status.

So you can borrow money whenever you need it.

Of course, it's best to just borrow money.

But if something really happened, to the point of subjugating the country and the world, then you can take it all at once, leaving no one left.

As long as you have money, what can't be done?

When money is really needed, tax collection is likely to cause public dissatisfaction. The previous dynasty is an example.

The smaller the scope, the smaller the impact seems to be when it is really shameless.

In the final analysis, it is because of money. If the money is enough, the emperor is not willing to make any changes, and just continue the existing route to the end.

But now, money is everywhere.

In the long run, the military reform will save money, but the reform period will cost a lot of money; immigration to the Western Regions will cost money; naval investment will cost money; establishing practical schools will cost money.

Does Dashun have the ability to engage in various official monopolies, and has neither the ability nor the experience. Thinking about losing tens of thousands of 10,000+ in the Song, Liao and Xixia wars, Dashun can't afford it.

Li Gan thought about closing some foreign customs and gathering them in one place for the convenience of tax collection and smuggling management, and assigning special personnel to monopolize the trade with the West.

However, the existence of the ancestral precepts, coupled with the special power transfer in the early days of Dashun, made it difficult to prove the legitimacy of the ancestral precepts, and he did not have the courage to do so.

It is a common practice for folk scholars to form associations, and if they get money from those people, they will end up competing with the people for profit, or extorting miscellaneous taxes, and he doesn't want to bear the reputation of this.

To a certain extent, Liu Yu's method of making money without competing with the people for profit made Li Gan very moved.

A war against Japan will cost money.The national treasury is still a bit weak, but Liu Yu said that if it is really a pilot project in Songjiang, a Songjiang can attract capital from Jiangsu, Zhejiang, Fujian and even Guangdong, and it may even not need to use a penny of the national treasury to start a war against Japan. earn……

This further strengthened Li Gan's thoughts.

In the future, if the one-year trade monopoly can be sold for 100 million taels, the navy's investment can also be eased a lot.

The Northwest and Northeast have been basically pacified, and the only thing left is to reform the land and return it to the bloc, but as long as the military reform is completed, it will not be harder than Junggar.

Without the threat from the northwest and the northeast, it seems that Dashun can really invest more money in the navy that Liu Yu said can "support the army with war".

Thinking about Liu Yu's words, Liu Yu is also well-behaved.At least in the insurance business, it is hoped that the emperor will allow the monopoly and the emperor will pay for it, instead of Liu Yu to supervise it.

In addition, he took the initiative to say that there must be a special department for the management of Songjiang Capital, and it is directly under the emperor's jurisdiction, so he can give it a try.

Songjiang seems to be far away, but once the navy is built, it is actually only ten days away from the capital.And more than ten days is equivalent to the management of Zhangjiakou in the capital. The naval ships not only shorten the distance between the world, but also shorten the distance between the capital and Songjiang.

The distance of more than ten days made the emperor feel at ease and feel safe.

Anyway, if you want to do it, it's better to make it bigger.

If it is really unacceptable, then just kill it directly.Anyway, it is limited to the size, and it is controllable in the face of absolute military power.

"Well... If this is the case, then we can try it out. For Songjiang Mansion, the change means that the original water transportation is changed to sea transportation. For Songjiang, these changes are also attempts, which can be said to start from scratch. I will choose Go alone to host."

"This matter is not under the jurisdiction of the six governments."

"I have also thought about it. If the Japanese are punished in the future, if there is a chamber of commerce that transports rice by sea, they can call for salaries and military rations by sea during wartime. This really kills two birds with one stone."

"I'm afraid it will be too late this year. In your opinion, will the grain rice in Songjiang and Suzhou be transported next summer?"

Liu Yu thought about the current standards of Dashun's maritime trade, thinking that it will still be needed next year?If you want to do this this autumn, merchant ships from Fujian, Guangdong, and Zhejiang will flock to the company, vying to buy shares, and you don’t even need to build new ships.

[-]% of the duty-free goods, and the profit from the return of soybeans from Liaodong, I'm afraid you don't know how terrible the businessman's thirst for profit is.

"Returning to Your Majesty, as long as Your Majesty agrees to the request of the Jiangsu Jiedu Envoy, there will be no problem in shipping rice from Songjiang and Suzhou next year."

After finishing speaking, Liu Yu couldn't help but have a dark thought in his heart... Perhaps, if the Yellow River breaks its mouth one day, causing the canal to be silted up, with such a foundation, maybe the abolition of the water and the transformation of the sea can be successful in one fell swoop.If the Yellow River does not burst, it will be difficult to completely transform the water into the sea.

(End of this chapter)