The daily life of the science master's book-wearing group

It wasn't until Ah Heng began to cry softly because of his parents' neglect that his father and mother finally noticed his unhappiness.

Song Qingyue quickly turned around and picked up the little boy to comfort him.

"Oh oh oh, good baby, good baby, why are you crying?" She asked softly while patting Li Fugui's back.

The little boy wrinkled his face, curled his mouth, and refused to speak with tears in his eyes.

"Did you stumble?" Song Qingyue tried to find out the reason.

The little boy shook his head.

"Where is that uncomfortable?"

The little boy still shook his head.

Li Zhao on the side immediately became impatient: "You bastard, you just keep telling me what's going on!"

Song Qingyue glanced at him and scolded him softly: "Don't be so loud to the child!"

Being insulted by his wife, Li Zhao immediately shrank his neck and shut his mouth tightly, thinking that this little woman was getting even more angry now, so he muttered in his mouth: "Only women and villains are difficult to raise!"

So my feet got another heel from my dear wife.

Too lazy to pay attention to the child's father grinning at the side, Song Qingyue continued to guide the child softly: "Then tell mom in a low voice why you are crying, okay? Mom can't guess it, you need to tell it yourself."

Li Fugui sobbed and choked for a long time, and finally came close to Song Qingyue's ear. Although the little boy was crying, his speech was very clear: "Mom and dad are walking too fast, Aheng can't keep up!"

"So that's it. From now on, dad and mom will walk more slowly, okay?"

Li Fugui blinked his big eyes twice, leaned into Song Qingyue's ear again and said, "Aheng still wants to hold hands."

Song Qingyue laughed, kissed her son on the cheek, and said, "Okay, hold hands next time. If you have anything to say in the future, just say it and don't cry, okay?"

Li Fugui stopped crying and nodded his head obediently.

Song Qingyue handed the child to Li Zhao and let him hold it.

Although the little boy was not as fat as Li Kun before, he was still quite heavy. Song Qingyue only had the strength to hold him for a short while.

Li Zhao let the child sit in his arms, held him lightly, bumped him twice, and asked Song Qingyue: "What's going on with this kid?"

"We were walking too fast and Aheng couldn't keep up. He wanted us to hold his hand and walk, and he also wanted us to talk to him." After Song Qingyue finished speaking, she turned to ask Li Heng: "Is that so, Aheng?" ?”

Li Aheng immediately nodded his head twice.

Li Zhao clicked his tongue and patted Zai Zi's little butt: "Speak directly if you have anything to say, a real man, why are you crying!"

The little kid immediately lowered his mouth again, put on a stinky face, and turned away from Li Zhao.

"Hey! How dare you quarrel with his father!"

Li Zhao patted his little butt again.

Song Qingyue walked aside and silently held Li Fugui's little hand. She was familiar with the character of the second child. Fugui'er just followed her temper. She was like this when she was a child, so she knew exactly what kind of treatment the child wanted.

It is indeed more difficult to communicate with such a character than Li Xiaokun, and it requires more patience, but the advantage is that he is quiet, well-behaved, and extremely obedient.

Ask yourself, because of the quiet personality of the second child, she pays much less attention to the second child than when she took care of the eldest child.

But in their hearts, children actually long for their parents’ attention.

After dealing with the quarrelsome human cubs, the couple returned to the previous topic - why Song Qingyue gave the shares to the servants who worked.

"Because we are not sure whether this business can be done in the future, do we need to share the risks?" Li Zhao speculated.

Song Qingyue smiled and said: "It is one of the benefits, but at this stage, it is not the most important reason."

"Is there another reason?"

Li Zhao pursed his lips in a rare move and thought in silence for a long time. Until the end of his evening walk, he still hadn't thought of the answer.

After taking a bath in the evening, the little kid muttered something, looked at Song Qingyue pitifully with his big, watery eyes, and still wanted to sleep in his parents' bedroom with his father and mother. Li Zhao must have If he didn't agree, the little boy was also very smart. His father was not easy to deal with, so he just kept holding his mother's neck, rubbing and moaning. Song Qingyue was such an easy-hearted person, so she naturally agreed.

After finally coaxing the beast to sleep, Li Zhao quickly handed the little nuisance to Bai Shu and carried him to a side hall to sleep. As a boy who was upright and upright, he must not pester his mother to sleep.

"Yue'er, what are you talking about? Tell me, what are the benefits of dividing the shares?" Song Qingyue was so sleepy that she almost fell asleep after being tormented by the little kid. Li Zhao didn't get the answer yet. I couldn't sleep at all because I was scratching my head.

Song Qingyue yawned and said with a smile: "In addition to knowing that I gave out the shares, you should also know that although I gave out the shares, there are conditions, right?"

"I know this. Their shares must not exceed yours." Li Zhaodao.

"Then you still don't understand the benefits?" Song Qingyue opened her eyes and smiled lazily, as charming as a little fox.

Li Zhao clicked his tongue and took the woman into his arms: "I know, for your decision-making power in the garment shop."

Song Qingyue chuckled, knowing that Li Zhao had not grasped the point. She stretched out her fingers to poke the man's strong chest muscles while slowly analyzing him: "Calculate the expenses of our garment factory, seventeen manufacturing team employees, Generally, the little girl's monthly salary is three taels, the three team leaders' monthly salary is three hundred taels, Master Liu's monthly salary is ten taels, Little Qin's father-in-law earns 13 taels per month, and the sales team's monthly salary, excluding commission, is 100 taels. One to two five, the foreman gets two to five, the two accountants get three to five every month, and the shopkeeper gets five to five, not counting the cost of purchasing fabrics, it’s [-] taels a month.

You know, our private business in Dazhou is not like government business. The settlement can be done immediately after the transaction.Folks basically have to wait until the autumn harvest to settle accounts. Most people settle accounts once a year, or twice a year at most. In the south, it is better. They can settle accounts once a quarter. In other words, even if our garment shop can get a large number of orders immediately , and we have to wait until this autumn to see the silver. "

Li Zhao thought thoughtfully: "In other words, from now on, we need to prepare at least 1000 taels of silver to support the settlement after autumn?"

Song Qingyue sighed: "1000 taels is not enough! It costs more than this to buy fabrics, so I guess there will be a second round of 'financing' in these two months."

"What does financing mean?" When Li Zhao encountered the new vocabulary, he immediately humbly asked for advice.

"It's just that the turnover is not enough, and we need to borrow money again to continue the business." Song Qingyue explained in the most understandable vernacular, "If the second round of financing is not enough, we will need another three or four rounds."

Li Zhao became more energetic: "Your husband has money! My wife is short of money, so just talk to your husband!"

"Look how rich you are!" Song Qingyue chuckled, "I want to set up a garment shop, can you lend me a few thousand taels of silver? If I want to set up a shipyard, how much money are you going to lend me? What if there is something else in the future? A good business will cost hundreds of thousands of taels of silver, so what do you think? If I want to build ten ironworks, will my husband continue to support me in full?"

"Full...full payment?" Li Zhao seemed to grasp something, as if he had some realization.

"Retaining the golden shares and distributing the remaining shares to the following employees will naturally have the various benefits you mentioned before, which can increase the enthusiasm of employees and reduce our own risks, but the biggest benefit is that we can use our hands to With limited funds, we can do more business and control more trading companies and companies.”

When Song Qingyue said this, Li Zhao finally suddenly realized it, and even felt like he was enlightened. He couldn't help but sigh: "So that's it! That's it! How wonderful! How wonderful!"

Song Qingyue continued to explain: "For example, in our Zhaoyue Bank, my original capital was actually only more than 280 million taels. After absorbing some deposits, the total was only about 700 million taels. Compared with your Royal Bank, it is simply inferior. Far away. But those silver and copper coins have been deposited. Not only do we have to spend money to hire people to protect and guard, but we also have to pay the monthly salary of so many bank employees. In addition, there is interest. So when this money comes, we must use it. They must not be piled up in warehouses to get moldy. So in addition to lending money to people to build houses, buy land, buy cattle, and farm tools, we have also begun to lend money to people who want to do business. In order to control risks, we provide commercial loans The upper limit is 100 taels of silver. Loan applications that require more than 100 taels of silver must be handed over to me. But in the end, what I can approve is limited. What kind of business can I do with 100 taels of silver? For example, the villagers in Liaodong I want to go to the Baekje Peninsula to do some Baekje ginseng business. How many ginsengs can I buy for 100 taels of silver? But if you give me too much money, the risk for our bank is too great."

Li Zhao nodded: "So now we use this method of diversifying the equity to finance the business that you think has great potential. On the one hand, it reduces the bank's risks, and on the other hand, we can control the most business with the least, and use the least amount of money on hand to control the most business." Are the funds used as much as possible?”

"Yes, it's that simple. Use 20.00% of the capital to leverage [-]% of the business and prevent others from having more equity than me, which means retaining my control over the company. So in the future I plan to establish An equity trading platform. With the public issuance of stocks, everyone can also use the money on hand to make money through legal channels, instead of stacking it in the cellar and waiting for the silver to weather and turn black. Money, or currency, can only be circulated Only then can it play its role.”

Song Qingyue then gave Li Zhao another economics course.

Seeing that he was in good spirits and excited, Song Qingyue simply struck while the iron was hot and explained to him the relationship between supply and demand and price. While talking, he took out charcoal and a small notebook from the small drawer on the bedside to draw for Li Zhao. Start supply and demand diagram.

With the foundation of linear algebra, it is very easy for Li Zhao to understand the curve of supply and demand: "I understand this. There are more people buying than selling. The seller has the final say and the price can be raised. The so-called Rare is valuable, that’s the truth.”

"Originally, if the market was completely free, the prices of some bulk commodities, such as grain and cloth, would not fluctuate too much. Even if one place is hit by a disaster and the price rises, the price of grain elsewhere should be higher. If you sell it locally, as long as more people come, the price will naturally not continue to rise.”

"But the reality is that many businessmen continue to raise prices by purchasing large amounts of grain, forcing people to sell their fields, products, and children." Li Zhao lamented.

"The imperial court can completely curb this situation through legislation or even chopping off a few heads during special periods. But what's even worse is that some big businessmen have joined forces with the local government to create a monopoly on certain daily necessities, which is called Both buyers and sellers have to go through their hands. They not only earn the people's hard-earned money, but also find ways to evade taxes, causing the people to suffer and the court to have no money. But they can make a lot of money in the middle.

"For example, what about rice and medicine shops?"

"Yes! The more places there are, the more wealthy people there are. Not only do they dominate large areas of land, but they also monopolize local necessities. Even the officials sent by the imperial court have to pay these local wealthy people as honored guests, while absorbing the people's support. They do evil things and bully men and women, but the government either dares not to take care of them, or they take the benefits and collude with them."

Li Zhaodao: "So you are building comprehensive markets like Taiyuan in various places just to crack down on the kind of businesses that monopolize local daily necessities?"

Song Qingyue laughed: "The main purpose is of course to make money for oneself. When it comes to combating monopoly, the two-page price list in "Chaowen Express" has a greater impact than my comprehensive market. Besides, our car rental agency It also plays a great role. For example, a young man in the countryside of Shanxi wants to carry his family's jujubes to Taiyuan City to sell them, but he is too poor and does not even have a donkey at home. It is too far to go to Taiyuan City. Carrying a large basket of dates may take three days to get there. In this case, if he wants to sell the dates at home, he can only choose to sell them to a local big business and ask the local big business to help them buy them in Taiyuan City. But for this price, can’t we just follow the big names in the village?”

"But now that there is a public carriage, it is different. For a few tens of pennies, he can sell the dates to Taiyuan City himself. In this way, the people of Taiyuan City can also sell cheaper dates, eliminating the need for middlemen. , both buyers and sellers will be happier.”

"So, should I ask the surrendered Tatar tribes for more horses and expand the scale of government-run horse and carriage shops in various places? It will not only benefit the common people, but it will also be a disguised attack on those places that engage in monopolies. Rich family." Li Zhao touched his chin and switched to prince mode, claiming that he had changed.

Song Qingyue smiled and said: "The Prince's Palace can take care of the matter of trading with the Tatars. Let's just exchange more food and handicrafts with them. In addition to expanding the carriage and horse shop, road construction must not be left behind."

"Good advice, Madam! Don't leave the road construction behind! If you want to get rich, build the roads first!" In fact, Li Zhao was still a little confused about why building roads can make you rich. However, Song Qingyue said it too many times, Li Zhao I have been successfully brainwashed by this sentence, no, now I think about it, I blurt out the slogan again.

Having talked about this person, Song Qingyue thought she might as well talk more tonight.

So she put forward a new concept: "Actually, not only banks and merchants can raise funds from the public, but the court can also. With the court's tax revenue as an endorsement, the court can issue 'national bonds' to the people, guaranteeing 5.00% to [-] per year. % interest, the landlords and gentry were asked to take out all the silver and copper coins piled in the cellars and circulate them through the court. For now, it is essentially not much different from bank deposits, but since it is a loan, it may The money has not been paid, so the court can retain the right to adjust the interest on national bonds.”

Seeing the sparkle in Li Zhao's eyes, Song Qingyue smiled bitterly, fearing that she wouldn't be able to sleep tonight. (End of chapter)