I just want to make money

Chapter 230 Trillions in Assets, New Skills in the System

May.

Midsummer Night.

Lin Yi was wearing a thin home clothes, and was lazily lying on the mat in the courtyard. Chunmei Xiuer was by his side using a fan to drive away flying insects, and Yinlian fed him fruits.

Cui Niannu, Pan Jinlian, and Linglong were chatting quietly beside them.

What a peaceful and warm scene.

Lin Yi likes this feeling.

The whole person's body and mind are relaxed, and there is even an illusion that the soul is drifting, and the whole body is numb.

Cui Niannu crawled over.

He whispered in Lin Yi's ear: "Master, I just discussed with sister Jinlian, do you think the sandalwood lipstick looks good?"

Sandalwood is the modern take on flesh-toned, nude tones.

Lin Yi thought of the moist lips of those young girls in later generations, looked at Chunmei and Xiu'er, and said with a smile: "Sandalwood color is suitable for girls, it will make people look more youthful."

"Well, then I'll let someone produce a batch and try it out." Cui Niannu said.

During this time,

Lin Yi saw that the women were free and free, so he gave them a business to manage rouge and gouache.

In fact, there are also many styles of rouge and gouache in the Song Dynasty, such as thrush ink, lip balm, makeup powder, rouge, flower tin, lipstick paper, etc., are also divided into various designs and colors.

Lin Yi let the women run the business, so he naturally gave them some good things. Franchised perfume and soap, and taught them how to make tube lipsticks. In fact, making lipsticks is very simple. In addition, he also introduced creams.

The ancients used words such as white skin, creamy skin, orchids to describe the beauty of women. They used the cosmetics sold by Cui Niannu and the others, which can improve a woman's beauty by several levels. The ladies of the official family in Beijing are all fond of the women's cosmetics from the Lin family's cosmetics shop.

The cosmetics of Lin's Shop are good for everything.
The only downside is that it is expensive.

With this business alone, it is easy to earn 10 yuan a year, but for Lin Yi, it is just to find something for the women to do.

The real big business is out there.

The Royal Commercial Bank has now become the largest commercial firm in the entire Song Dynasty, and its goods flow from north to south. In ancient times, the business earned money from poor information. Because it has its own intelligence organization, it has the most timely information, allowing the Royal Commercial Bank to take the lead.

The firm has been in operation for nearly a year, with a profit of 4000 to [-] million.

There is also Zhenbao Pavilion, which is also a big profit maker. Most of the products in Zhenbao Pavilion originally came from confiscation, so there is no cost. In addition, it also includes hard currency such as houses and land.

As far as land is concerned, Chinese people love land the most, especially the land seized by corrupt officials, almost all of which are well-known land, and they can be snapped up anywhere.

But Lin Yi didn't sell it.

He has his own ideas.

Recruiting tenants is even more important. One is to harvest grain and lay the foundation for the commercial grain business. The other is to solve the problem of displaced persons.

There were not many famines in the Song Dynasty, and there were many places affected by the disaster. How to solve the problem of the victims has been a headache for the government of all dynasties.

Lin Yi left these lands and set up a national land leasing company to lease them to the victims and refugees at low prices. On the one hand, he solved the land problem and on the other hand, he solved the problems of the victims.

As for the land rent, this can be adjusted through a large amount of land. Landlords who earn high rents can rent royal official land. No one will be tenant farmers for them, and the rent will naturally come down. This is also a kind of compensation for farmers.

Lin Yi even had an idea,

In the future, when there is more money, most of the land obtained by selling it out will be turned into company land, and then leased to farmers at a cheap price, so that the domestic land lease price will not become the straw that crushes the camel's camel.

In fact, what farmers want is very simple.

With a few acres of land, they will not starve to death, and they can eat a meal of meat and wear new clothes during the New Year, so they will not rebel.

rebellion many times,

I really can't survive.

In addition, there are many more industries.

The snowflake salt and sugar industry has not been expanded in the capital. As for the production capacity, it has been transferred to the raw material production area, which is convenient for processing and saves costs.

Now the industrial zone has more than a dozen large factories, producing products including glass products, mirrors, soaps, perfumes, artillery weapons, etc.

As for the production of gunpowder and ammunition, it is not here, but in a wilderness area dozens of miles away from Bianjing. There is no human habitation for dozens of miles around, and the factory is heavily guarded.

The Tianxia 36 Supervisor, which produces steel, was transformed by Lin Yi.

Lin Yi took out coking coal smelting, new iron-making furnaces, and steel-making by stirring method, which are far beyond this era. This technology only appeared in the middle of the Qing Dynasty, but it is not difficult to realize it now.

With these methods, wrought iron and steel can be obtained in large quantities, which is dozens of times faster than before.

With good steel,

Nature can make good weapons.

In the past, there were thousands of sharp weapons, but in the future, Lin Yi can mass produce them here.

With better steel plates, the armor can be made thinner, but the protection power will be greatly increased, which can also play a vital role in the performance of generals and soldiers on the battlefield.

With the coking coal ironmaking method,

The most intuitive advantage is that the output of wrought iron and steel has been greatly increased. Iron is money, and the excess iron can be sold or made into iron.

As early as this winter, just after the Chinese New Year, Lin Yi received reports from various places one after another. He sent out people to look for mines, and several groups of people found ore veins.

Lin Yi immediately ordered people to circle the surrounding mountains and put them under the ownership of the state, and asked the Ministry of Industry to send people to investigate and find out how big the reserves were.

After several months of investigation, the results were very gratifying. They were all high-quality large ore veins. Lin Yi immediately ordered people to mine and excavate.

Lin Yi did not hide the news of the discovery of several super-large copper-iron mines. Instead, he reported the news to the world through the morning newspaper. The people naturally rejoiced when they saw the good news.

First of all, let me explain,
At the end of the Northern Song Dynasty, there was already a newspaper called Chaobao, which was published by the government with a unified content. Recently, two tabloids have appeared on the market, which belong to private newspapers. It is not easy for the imperial court to allow these two private newspapers to publish. People are very enthusiastic .

In fact, they didn't know that these two newspapers were all obtained by Lin Yi privately, which also caused the two companies to have a tendency to confront each other.

In this world, no one knows the importance of controlling public opinion better than him.

Public opinion can rejuvenate a country.

Public opinion can also subvert a country.

The large-scale spinning and textile machinery produced by Lin Yi has now established a large-scale factory in the Jiangnan area, recruiting skilled workers for production.

The Royal Bank is Lin Yi's most important industry.

After half a year of development, the Royal Bank has completely established its reputation. In the first few months, people were still skeptical, but after more and more people tried it, people discovered the benefits of the bank, and the business volume showed explosive growth.

Now the Royal Bank's inventory of silver has reached 3 million guan, and it has issued about 8000 million guan of Jiaozi, [-] million guan of bank notes, and more than [-] million guan of loans.

One of the largest loan customers is the Song Dynasty.

As for the mortgage, the annual tax of the imperial court is used to repay the interest. If any traveler comes over, they will definitely find that this model is very much in tune with the Federal Reserve and the US government.

this day,

Lin Yi came to the head office of Royal Bank.

Today the bank will make a big move, which is to sell mining stocks.

And this news,
It has already been reported to the world through Chaobao and those two private newspapers that more than 30 branches of the Royal Bank have begun to sell shares to the outside world today.

Lin Yi took out three mines to test the water.

One coal mine, two iron mines.

The coal mine is in Chentian Town, Lanling, where the Royal Commercial Bank has discovered a new large open-pit coal mine, which has now been officially mined.

Lanling is also the Zaozhuang of the later generations. Zaozhuang is known as the coal city. The proven reserves of this open-pit coal mine are 5 million shi. The quality of the coal is very good, and it is easy to mine.

There are two iron mines, one is in Huangshi City, Hubei Province, which is one of the veins of the later Daye Iron Mine, with a reserve of 8 million shi, and the other is Maanshan Iron Mine, which is located at the junction of Jiangsu and Anhui, with a reserve of 10 million stone. billion stone.

The surveying technology of the Song Dynasty is naturally incomparable with that of later generations, but it is still quite a lot.

Iron is much more expensive than coal. The Song Dynasty implemented iron money, and iron was dug out to be money.

The bank opened, and many big businessmen and family treasurers came one after another. These people came for the mine.

Everyone knows,

Once you own a mine, you don't have to worry about upgrading for generations.

But many people know that
His family might not be able to swallow those mines. Of course, Lin Yi didn't want any family to swallow them. His plan was that these mines would still be operated and mined by the Royal Trading Company, and the profits earned would be divided among the shares, excluding operating expenses.

until ten o'clock in the morning,
Three or four hundred families came one after another.

These can be said to be the most powerful businessmen and groups in the Song Dynasty. Lin Yi did not come forward, but was in charge of the treasurer of the Royal Bank of Beijing.

The shopkeeper took the lead in saying:

"Everyone, first let me tell you about the sales of these mine shares. The total price of the mines is calculated based on the discount of the total reserves, and each mine is divided into millions of shares. For example, the total price of the coal mine in Lanling is about 6000 million. 3000 million guan, and then sell half of the shares, that is 1500 million guan, divided into millions of shares, that is, 15 guan for one share.”

"Our bank's rule is to sell at least 1 shares, and no more than 20 shares without adding more."

At this time, someone asked: "How to calculate the profit, I don't think anyone here is willing to make a loss-making business?"

The shopkeeper nodded: "That's right, no one wants to make a loss-making business, and the operation is still in the charge of the Royal Commercial Bank, but you can send supervisors to check the accounts. Of course, you are responsible for the supervisor's salary, and everyone will know at a glance how much they will earn. "

Everyone felt that this plan was acceptable.

Then there is the sales phase.

First came the coal mines.

Then came iron ore.

Iron mines are expensive, and the two iron mines are discounted by hundreds of millions of dollars. When buying iron mines, many people scrambled for them, and in the end, many of them only bought tens of thousands of shares.

In one day, all the shares to be sold in the three mines were sold out, and at the end of the calculation, the royal firm received 800 million crowns of funds.

To the end.

The shopkeeper said, "Next month, there are still two mines to sell shares, one tin mine and one copper mine. Interested parties are welcome to come and buy."

Many people chased the bank teller to ask about the situation of the two mines. The teller said, "I don't know the details, but don't worry, it will be announced in the newspaper in a few days."

The transaction was a great success.

Lin Yi was very happy.

I also sigh that there are so many rich people in Song Dynasty.

When this matter spread to the court, many ministers were even more shocked and excited. In this way, if the court lacks money in the future, they can sell mines, which will naturally solve their urgent needs.

However, before people could wait for the next mine auction, the bank launched a new method, that is, Lin Yi launched the mine fund.

This fund is based on the remaining shares of the Royal Trading Company's mine as a mortgage, and the fund is issued, promising an annual interest rate between 3% and 5%.

The RBC deposit rate is now 2%.

The main reason for this is that the people are not active in depositing. Many small businessmen, landlords, wealthy households, and wealthy households still do not trust banks and prefer to bury silver and copper coins in the cellar.

Lin Yi wanted to use this method to dig out the money they hid underground.

The advertisement that Lin Yi asked to place in the newspaper was very attractive.

He did just one calculation.

"Buy 10000 funds, after 10 years, it can become 16500, buy 10000 funds, 15 years later, it will become 20700, completely doubled, buy 10000 funds, 30 years later, it will become 43200, four times times."

"The sale is always started. The principal of the fund can be withdrawn at any time, and the Royal Bank guarantees it."

Funds are bought in banks, and more than 30 Royal Banks across the country sell them at the same time. A special counter has been set up to sell them all the time, and the amount is set by yourself. Anyway, the interest rate is there.

Not to mention,
The day after the newspaper was published,
Many people came to inquire about buying funds. Some girls, it’s not safe to keep money in a brothel. It’s better to put it in a bank. It's better to put money in the bank to make money.

In fact, many people's money is really useless, and it is used to save a family business for their son in the bank. Regardless of various reasons, people come to buy funds every day in an endless stream.

Gold, silver and copper coins rushed to the Royal Bank.

In the following months,

Every month, the Royal Bank will auction two to three mines, and at the same time distribute funds to absorb idle money from the society.

in july,
The total amount of reported funds has reached 6 million.

Even so, Lin Yi was still not satisfied,
He also used a more direct method, which was to issue new currency. After consulting Emperor Huizong of Song Dynasty and negotiating with officials at all levels, Lin Yi began to mass-produce 'royal banknotes' with funds from the Royal Bank as collateral.

Jiaozi did too rough.

There is no comparison with silver bills.

Royal banknotes completely replaced Jiaozi and became the new legal currency of the Song Dynasty, and obtained the right to issue currency. Did you think of the Federal Reserve and the US government again?

The royal banknotes adopt the latest printing method, which is extremely difficult to counterfeit, and the denominations have also changed, namely Yiguan, Wuguan and Shiguan. In the past, Jiaozi only had Wuguan and Shiguan, which is actually very inconvenient to use.

For one pass, copper coins are naturally used. For more than ten passes, such as one hundred passes, silver notes can be used. The minimum silver notes start from 100 passes to 5000 passes.

The banknotes of Yiguan, Wuguan and Shiguan are different in size, color and pattern, so they can be distinguished at a glance, and it saves the need to carefully check the amount during transactions.

Jiaozi in circulation can be exchanged at the bank at will, and it won't take long for Jiaozi to be completely replaced.

At the same time, banks from all over the country sent large amounts of money to Bianjing in batches and put them in the treasury of the head office.

And the money will be collected by Lin Yi in a few days.

2 million,
4 million,
6 million.
The system wallet amount keeps increasing.

The money,
Lin Yi didn't mean to take all the money away. Putting the money in his hands is just like changing the Dasong treasury to store it in another place, and it is safer.

When needed, he can exchange it at any time, and what is exchanged is the silver that Song Dynasty lacks, which is more useful than Jiaozi paper money and iron money.

8 million,
10 million.
"Ding~!"

Just when the one billion yuan was reached, a long-awaited system prompt sounded in Lin Yi's mind.

Lin Yi's excitement,
One billion taels of silver is equivalent to one trillion yuan.

Finally achieved the goal.

He quickly clicked on the system panel.

"Congratulations to the player, the wallet fund has reached 10 billion taels, and the system mall has opened new products."

Lin Yi looked at the panel.

There is a new skill in it.

"Money can make ghosts turn millstones".

Interesting name.

The last time he gave "this worship", this time he gave "money can make ghosts grind", he feels that the system is getting more and more demonic.

Click to view the description.

Money can make ghosts grind: it is a direct use skill, no need to buy, you can use this skill when you meet any ghosts and ghosts, and spend money to control ghosts and ghosts to do things. big.

See this skill.

The first thing Lin Yi thought of was Sadako.

He immediately grinned.

"Hahaha, this time I can finally go to the Doomsday World. I swore that I would impregnate Sadako in the past!"

Count down 3 numbers
(End of this chapter)