I am one year older than Chongzhen

Chapter 258 Where to grab it?

Wang Baishan and Ye Huiling are the highest civil officials, and they are very clear about the expenditure of the base area.

They suggested that Huang Yi reduce or simply stop accepting refugees, thinking that if the population increases at the current rate, it will take less than two months to run out of money.

Huang Yi has never felt that population is a burden, but he knows human nature, if he cannot pay monthly money and military salary on time, he will lose trust.

In the final analysis, it is because of too much investment and lack of money!

The cement produced by the cement factory is for self-use, and grain depots, reservoirs, cities and thousands of houses have been built.

But he didn't earn a tael of silver, and cement, an important invention across the ages, failed to reflect economic benefits at all.

The reason is simple. The Han population in the base area is basically slaves from Mongolian tribes, Han people who were enslaved by slaves, and refugees whose homes were destroyed by slaves or bandits...

These people have problems even surviving, how can they have property?

Of course they need food to eat and houses to stay.

Therefore, Huang Yi built tens of thousands of new houses and spent tens of thousands of taels of silver, but none of the taels of silver was recovered.

But things will change after a while. The concept of the Han people's home is deeply rooted in their bones. If they have savings, they will definitely be willing to spend money to buy their own houses.

After all, as a small courtyard of public rental housing, there are three or four families living in it, and some of them have as many as ten or twenty people, which is too crowded.

The base area does not provide housing for free, and the method of paying the rent after solving the accommodation problem is adopted, and the rent price is very low.

This is completely unavoidable, because the population just acquired is basically impoverished.

Low-cost living security is of course the most basic, just providing a warm place to sleep and eat.

Families who earn wages and are dissatisfied with the living conditions of public rental housing can spend money to rent a small courtyard to live in.

The rent is also a conscience price. It is only about [-] cents per month, which is about [-]% of the monthly salary of an ordinary craftsman.

The feeling of wives and children on the kang is the pursuit of most workers.

There is no shortage of jobs in the base area. As long as you work hard, both men and women can earn enough money to support their families.

As long as two people in a family work, they can basically save one person's monthly money.

Laborers can accumulate money, and of course they have purchasing power. It should be the wish of the vast majority of people to buy a small yard without paying rent.

The real estate sold on the basis of the land is a permanent property right. Generally, only [-]% of the cost price of the house is used to calculate the land transfer price.

Houses sold to the people in the base area are only allowed to increase the price by [-]% on the basis of the cost price.

But at this time, the vast majority of families do not have much savings, and the situation will be better next year.

Huang Yi is already considering opening a bank to provide mortgage loan services to the people in the jurisdiction.

The distance can't quench the near thirst, and the current Huang Yi will face the dilemma of making ends meet.

There are not only cement factories in the base area, but also iron and steel factories, fertilizer factories, flour mills, brick and tile factories, lime kilns, sand and gravel yards, coal mines, iron mines and other industries. Don’t they make money?
well!The place is too closed, the market has not been opened, and the steel factory is only a small part of the steel used to make agricultural tools for export, and the profit is not worth mentioning.

The flintlock guns and regiment guns produced by the Gun Gun Cannon Factory are military weapons and cannot be sold. Not only can they not make money, but they must continue to invest in research and development.

It is also necessary to spend a lot of money to improve the quality, improve the treatment of the workers who make guns and cannons, and mobilize their enthusiasm for production.

Under the unified purchase and marketing of grain, public enterprises in base areas such as flour mills and grain stores pay more attention to service, and their profits are not considered high, and the funds returned every month are not much.

The profit of mining and selling coal is high but not high, and because the people on the Xuanda site are relatively poor, sales are limited.

Real estate has not started selling commercial housing during the investment period, and construction materials such as cement, bricks, stones, lime, sand and gravel cannot be realized.

Everywhere needs to be invested, and it is barely enough to pay three taels of silver to recover two taels. If it were not supported by a large number of seizures, the base area would have gone bankrupt long ago.

After listening to Wang Baishan and Ye Huiling's report on the financial situation, Huang Yi learned that if there is no new income, he will face the dilemma of not being able to pay the military salary by the end of the year.

How can we increase revenue and reduce expenditure?
If flintlock guns and regiment guns are willing to sell, they will surely sell well, and arms should be a huge profit industry.

Under the condition of satisfying your own army equipment, you can properly consider selling it to the Ming army in the future.

What needs to be sold most should be a four-wheeled carriage, oh, no, it should be called a big sedan now.

Cement is an exclusive product, but due to the hardening problem, it is impossible to sell it to farther places. It can only do business in Zhangjiakou and Xuanfu.

Steel production has doubled, and this month, some steel billets can be exported through Li's firm.

The glass production technology has made great progress, and it has been able to produce clean and transparent lens materials, so the total number of monoculars in the base area has reached more than 100.

To prevent it from being acquired by the later Jin army and the latter, binoculars cannot be sold, but reading glasses and myopia glasses can be made for export.

There is a wide range of demand for glasses. With the affluence of the capital and Jiangnan, the price of three taels to ten taels should not be a problem.

All in all, the production of glass and the sale of glass products can generate huge profits. Of course, if you have mastered the technology, you must work hard.

Huang Yi explained his thoughts and plans to Wang Baishan, Zuo Fanglian, etc., and pointed out glass products such as glass wine bottles, glass mirrors, kaleidoscopes, and goblets.

Then I talked with Ye Huiling about the establishment of Xinghe Bank.

The Xinghe Bank was set up within one month, and at the same time it opened a Dongshanbao branch, accepting deposits with a two-year deposit period at an annual interest rate of [-]%.

In the future, all military salaries and monthly money will be distributed by the bank, and soldiers and civilians are encouraged to save money and get interest.

Doing so will definitely relieve the urgent need.

After the personnel are familiar with the business, they will have to open branches in Zhangjiakou, Xuanfu, Baoanzhou, Datong and other cities in the first month of next year.

In the following years and months, the price of food will definitely soar, and Xinghe Bank will absorb the deposits of silver, even if it is just to buy food and hoard it, it will be enough to bear the [-]% annual interest.

Of course, it is impossible for Huang Yi to absorb deposits just for hoarding, but mainly for investment in expanding the production of steel and glass.

He believes that within two years, only exporting steel billets and glass can support [-] to [-] troops.

Right now there is no product, no output, and it is difficult to form a market. We must find ways to find funds.

Finding money is definitely not as fast as stealing money!
Where is the next step?
Just when Huang Yi was worrying about money, something good happened. The emperor finally approved the governor Xuanda's note and decreed to promote Huang Yi as a general of Xinghe Camp on the North Road.

It stands to reason that Huang Yi should go to the capital to kowtow to the emperor, but the matter is urgent and the rules can be changed.

There are tens of thousands of Tartars outside the Great Wall, and there are 10,000+ bandits burning, killing and looting in Shanshan and Shaanxi. How can Huang Yi, the chief general, leave his post without authorization?
The previous Xie En's book will do.

(End of this chapter)