I really don't want to be emperor at the end of Ming Dynasty

Chapter 98 Possessing a Physique That Attracts Rebels

Chapter 097

In later generations, the most profitable industry is not real estate, nor the Internet, nor new energy, nor oil, natural gas, nor computers and mobile phones, but the banking industry.

Cheng Shijie has read statistics from a group of professional organizations in later generations, among the top 130 companies in the world, 41.7 or [-] companies in China have entered, among which are ten banks, and the profits of these ten banks have reached [-]% of the total profits of the shortlisted companies in China. [-]%.As an upstart in China's new energy vehicle industry, BYD can only catch up with the six major banks in three years of profit.

Banking is the most profitable industry, not one of them, but the problem is that the threshold for private banks is too high, even if you want to get involved, you have no chance, but in the Ming Dynasty, there are not so many scruples.

But the problem is that the bank makes so much money, but no one can see it.

"The biggest difference between a bank and a bank is that a bank lends money from other people's money and uses other people's money to generate money, while a bank uses its own money to generate money. No matter how much money a person has, it is impossible to have the money of the world. many!"

Cheng Shijie also wanted to understand Yang Yunniang's concerns. The financial environment in the late Ming Dynasty was different from that of later generations. In the era of virtual currency and mathematical currency in later generations, money is just a number. Whether it is aimed at billionaires or ordinary people, putting money in the bank is basically There will be no shrinkage or loss.

But the Ming Dynasty was different. Although the Ming Dynasty also had silver bills, in daily life, they mainly used copper coins and broken silver, like boxes of silver ingots in film and television dramas, which could only appear in the transaction of bulk materials.Moreover, silver itself is a metal, which is easy to oxidize in a humid environment. Once the silver oxidizes, it will inevitably be lost. This is the real reason why banks charge depositors for storage fees when they deposit money.

To give a very simple example, the storage interest rate in banks of later generations is generally around [-]%, and for general commercial and housing loans, it is around [-]%.Different banks have different ups and downs.

The daily profit of all banks in China relying on housing loans will be 2021 trillion yuan in 2, and the daily profit of the banking industry will be about 83 billion yuan. Note that this is every day.

In all fairness, opening a bank in ancient times was more profitable than later generations, because the interest rates of banks in this period, due to the loss of fire consumption, had an annual interest rate of three to four hundred percent. In later generations, this interest rate was all usury.

As long as the money is borrowed, there is no possibility of repaying it.In Wang Anshi's reform, the young crop law proposed, with an annual interest rate of 20.00%, is called good governance.If you put it on, you will be scolded.

Cheng Shijie has learned about the interest rates of banks and ministries. Although it is not as exaggerated as [-]% to [-]% in the early Song Dynasty, there are also rates exceeding [-]% to [-]%, and [-]% to [-]% is considered a conscientious banker.

Cheng Shijie just sat down and patiently explained to Yang Yuniang: "What are the deposits for? Naturally, they are for lending! You lend the deposits to those who urgently need a large amount of capital turnover, and set the loan interest rate at a rate higher than the deposit interest rate." Ten times higher, you will make money!"

Yang Yunniang was stunned and said, "Can you still lend money?"

"Nonsense, I have worked so hard to absorb deposits, and of course it is for lending!!"

Cheng Shijie said: "The food and lodging of Ning Navy officers and men are all covered by the Ning Navy's military headquarters, which is the commander. The soldiers can't spend much money at all. If you propose an annual interest rate of 5.00%, they will definitely flock to it. Ning Navy officers and soldiers If it is not necessary, the money will continue to be stored in the bank. You can release the money. Let’s not be too unscrupulous. The annual interest rate of the loan is 20.00%. Even if there are labor costs and fire loss, the net profit will exceed Ten percent."

Yang Yunniang finally understood what Cheng Shijie meant, and she understood, and finally understood that Cheng Shijie was as reliable as before, and this trick was simply laying eggs with chicken.Use other people's chickens to lay eggs for yourself.

Use a certain amount of interest to absorb deposits, and then use them for lending. The loan interest minus the deposit interest is his profit. This business...is done!
It's equivalent to using other people's money to lend money, but the money you earn is your own. It's a fool not to do such a business!
Seeing the light in Yang Yunniang's eyes, Cheng Shijie smiled and said, "Do you understand now?"

Yang Yunniang nodded vigorously and said: "I figured it out, the commander-in-chief really has the ability of ghosts and gods. If this business is really done, it will be difficult not to make money. How long will it take to become the richest man in Ming Dynasty!"

"Fuck the richest man, the fat pig's final fate is to be stabbed!"

"but……"

"But what?"

"However, if we do this, I'm afraid it will arouse the hostility of those banks and cut off people's wealth, just like killing their parents!"

Cheng Shijie smiled disapprovingly: "They are not convinced, so they can only endure it. If they dare to mess around, is it a vegetarian to be the commander of the twenty thousand Ning navy?"

Yang Yunniang was right after thinking about it, Cheng Shijie has a heavy army in his hands, and there is no government in southern Liaoning now, so what if there is a government?
Cheng Shijie, a military general, is not a military general who can be manipulated by civilian officials. He has been wronged a bit. Ning Haijun directly rebelled. The official was buried alive.

"Now that you have seen it, remember that we just want to grab meat from the bank. The interest rate of our Liaonan Bank must be lower than that of the bank. We set the deposit profit at 5.00% per annum from the beginning. , the annual interest rate of the loan is 20.00%. Also, the loan repayment date should be looser than the usury of the bank, so that both depositors and lenders feel that it is very cost-effective to deposit money and borrow money with you. "

"Master, there is one more question!"

"what?"

"What if, what if... if the slaves can't repay the loan, or run away, what should they do?"

"Won't you evaluate the other party's ability to repay the loan in advance?"

Cheng Shijie looked at Yang Yunniang and said, "You don't want to just grab someone on the street and lend money, do you? If you have this kind of thinking, I can only take back your appointment as the general manager of the bank."

Yang Yunniang was a little embarrassed.

"Before lending, you pre-evaluate his loan repayment ability and fixed assets! Make sure he has the ability to repay the loan before lending! Also, before lending, you must conduct a detailed assessment of the other party's fixed assets. If the other party is due to repay the loan If he can’t afford the loan, he will use his fixed assets to pay off the debt, anyway, the bank will not suffer losses. Of course, the cost of evaluating the fixed assets will be borne by the other party.”

Yang Yunniang thought for a while and said: "In this way, the risk will be greatly reduced! But if the other party borrows a loan, sells the assets under his name, and absconds with the money, what should we do?"

Cheng Shijie said: "If you use the land as collateral, you will receive their land deeds, and you will use houses and shops as mortgages. Without the deeds and title deeds, you cannot transfer the ownership. If anyone still knows that the other party does not have a contract and wants to trade, the transaction will be invalid. Ning Haijun is responsible for helping the bank. Take it back forcibly!"

Cheng Shijie is quite conscientious, unlike later generations, when the bank lost the money of the depositor, the court sentenced the depositor to bear 80.00% of the responsibility, and the problems caused by the employees were actually borne by the employees themselves and had nothing to do with the bank.This is really a fucking double standard. If an employee of an enterprise suffers from a work-related accident during work, or due to human error, the enterprise shall bear full responsibility for the loss.

It changes when you arrive at the bank. This is really a typical double-standard dog. (I would like to advise everyone, do not trust private or small private banks, or rural commercial banks restructured by local credit unions. The water inside is very deep, so be careful to be fooled)
Jinzhouwei has now become a huge construction site, and it should not be called an ant nest-like construction site.There are many places in Jinzhouwei that are not suitable for reclaiming wasteland and land. Cheng Shijie designated the hills and mountains formed by these gravel and stones as industrial land.

In order to build factories, the small hills in Jinzhouwei will be blown up one after another, and the rocks will be used on the spot as building materials for the construction of factories. Of course, the trees on the mountains will not be wasted, and they will be cut down in advance, which can be used as wood. When sent to the woodware factory, the trees that cannot be used as wood are either burned as firewood and turned into charcoal. Charcoal is also the main raw material for making gunpowder. Ning Haijun's factory originally built in Ninghai Prefecture has been rebuilt in Jinzhouwei one after another.

There are more than 100 various factories such as carriage factories, ironware factories, agricultural tool factories, tooth powder factories, soap factories, canvas factories, textile factories, brick and tile factories, coal pellet factories, cast iron stove factories, footwear factories, and clothing factories. while building.

To build factories and build roads, a large amount of steel, cement, lime, bricks, and sand must be used, and a large number of workers are required, which almost absorbs the surplus labor force of the Ning Navy.Those cellar owners who produce lime and bricks work in two shifts day and night, but they are still too busy.

So many factories naturally require a lot of manpower. As Cheng Shijie established himself in southern Liaoning, more and more surviving people from eastern Liaoning also came across the sea. As long as their hands are not afraid of fatigue and their feet are not too far away, they can Find a job that suits you. Through work, you can earn food and wages.

Now southern Liaoning has started to build factories while producing products.With the passage of time, various production and daily necessities have increased in the market in Jinzhou Acropolis.

However, as the surviving people in eastern Liaodong flocked to southern Liaoning, many problems were brought about. First of all, the army of the Ninghai Navy is a bachelor army, and most of the field soldiers are bachelors. They used to be in Dengzhou Weizuo Thousand Households , it is difficult to see women.Especially as the people of Liaodong flocked to the south of Liaodong, the problem of men and women became very serious.

He found Zhou Yandong and ordered Zhou Yandong to step up inspections, and organized night patrols, and immediately took back anyone who was voyeuristic.

In the absence of formal military discipline requirements, Cheng Shijie does not want to punish these soldiers for the time being, and he can understand the feelings of these soldiers. Even for professional troops in the 21st century, the temptation of women is quite irresistible. If simple orders can solve problems, a whole set of reasonable systems and systems are needed.

Cheng Shijie couldn't solve some problems.In the troubled times of the late Ming Dynasty, human life was the cheapest thing. Of course, when human life was worthless, dignity was even less valuable.There is an upper limit to the human moral level, but it is also ridiculously low.

For a bucket of food to survive, a big girl with yellow flowers sold it as soon as she said it.As for how they sold and what happened to them, no one cared. Just like when Cheng Shijie adopted Cheng Shi, Cheng Hu, Cheng Anjing, and Cheng Anning's four adopted sons and daughters, he didn't actually spend any money.

If Cheng Shijie wanted to be a beast, no one would care about the fate of Cheng Anjing and Cheng Anjing.In the process of buying and selling, there was no coercion at all. If Cheng Shijie wanted to, he could even adopt hundreds of children without spending a penny.

Not to mention the issue of coercion or non-coercion, some people have become accustomed to this kind of indifference, and their ultimate goal is to survive.As long as the soldiers of Ning Haijun hold a few steamed buns or steamed buns while eating, there will be many women who are willing to follow them into the woods or in unoccupied corners.

Under such circumstances, Cheng Shijie must pay attention to this problem and also need to properly solve this problem.Once something goes wrong on this issue, it will be a big problem.

Second, there is the issue of sanitation.

Are these Liaodong refugees suffering from diseases?Are there any infectious diseases?No one will answer this question, because almost all Liaodong refugees are in a sub-healthy state.Cheng Shijie didn't want the refugees from Liaodong to spread the disease to his troops. If a plague spread, let alone the 2 people in the Ning Navy, or even the tens of thousands of people in southern Liaoning, it is possible that they would all die within a few months.

For this reason, Cheng Shijie had to set up two huge bathhouses for men and women in the northern city of Lushun, that is, outside the city of Weiwu, using wooden fences, soil, and weeds. In order to avoid hygiene problems, these bathhouses are all independent wooden barrels. But also with quicklime and salt for repeated disinfection.

Take a bath first, cook the clothes of these refugees in a large pot directly, after high-temperature disinfection, put them in a drying room for forced drying, wait for these refugees from Liaodong to take a bath and change into their old clothes, and then they can All the way along the official road, Cheng Shijie set up four post stations for a distance of 120 miles. In this way, there are only eight post stations from Lvshun in southern Liaoning to Gaizhou Weicheng.

These eight post stations will not only become the supply points for these Liaodong refugees, but also become the health observation points for these Liaodong refugees. If they go 120 miles, for the soldiers of the Ning Navy, it only takes one day to march from Lushun to Jinan. State Acropolis.

However, the problem is that these Liaodong refugees are too weak in physical fitness, and they are very reluctant to walk thirty miles a day, so they can only move slowly.

The first post station from the mighty city of Lushun to Jinzhouwei was originally called the Beacon Fire Station, because the original site was a beacon tower, but in the eyes of the Liaodong refugees, it became a paradise station.

At the Paradise Station, the first meal eaten by the Liaodong refugees was not rich. It can be said to be very simple. They smashed the wheat and put it in a pot with rice, mung beans and other grains to cook together. There were no pancakes or accompanying food. However, these Liaodong refugees ate with gusto.

Many Liaodong refugees even ate with tears in their eyes. They slept in houses with fire walls and kangs, and no longer had to suffer in the ice and snow. These people, regardless of gender, old or young, shouted: "Long live Marshal Cheng!"

Especially when seeing Cheng Shijie inspecting in Jinzhou City, these Liaodong refugees would kowtow to Cheng Shijie. This scene made Cheng Shijie a little at a loss. I won't help.With a wry smile, he shouted loudly: "Everyone don't have to do this."

Seeing this scene, Song Xiance shouted excitedly: "My lord's destiny is here!"

Cheng Shijie scoffed at Song Xiance's so-called destiny.

The people in ancient China were more simple and satisfied than the people of later generations. Cheng Shijie gave them a bite of food, and they were moved to tears. Cheng Shijie gave them a nest that could keep out the wind and snow, and there were In their hearts, Cheng Shijie is a saint.

Since Lin Xuzong followed Chen Guodong to Ning Haijun, he originally wanted to join Cheng Shijie. After learning that Cheng Shijie's Ning Haijun and Chen Guodong had not been authorized by Futai Sun Yuanhua, they launched a mutiny because Zhang Shigang, a small steward of the Zhang family in Laiyang, Kidnapped Cheng Shijie.

Lin Xuzong was like being in an ice cellar. He thought that the Zhang family in Laiyang was finished, but the problem was that the Zhang family in Laiyang had not completely cut off their incense. Outside there was Zhang Sicheng, the deputy envoy of the Shanxi procuratorate. The procuratorate of the procuratorate was from the same province. The highest judicial officer is equivalent to the president of the Provincial High Court and one of the three divisions in later generations.

As long as Zhang Sicheng, the deputy envoy of Shanxi's procuratorate, survived, the Zhang family in Laiyang might turn around, so Lin Xuzong, who is as smart as Lin Xuzong, never took refuge in Cheng Shijie.

But the problem is, this time his judgment was wrong again. Ning Haijun actually reached a settlement with Sun Yuanhua. Zhang Sicheng actually took the blame for forcing Kong Youde back.

The Zhang family in Laiyang fell, and there was no possibility of turning over. At this time, Lin Xuzong found that Cheng Shijie seemed to be riding a rocket and flying straight into the sky.

Sure enough, those who steal the hook will be punished, and those who steal the country will be martyred.

Seeing countless people kowtow to Cheng Shijie, Lin Xuzong found an excellent opportunity. He tidied up his clothes and said proudly to Cheng Shijie: "General Cheng, since Lin got the honor of being a scholar, he has the ability to see officials without kneeling." Lin has never knelt down to anyone. The exception today is not because of General Cheng’s contribution to the rebellion against Kong Youde, nor because of General Cheng’s beheading of hundreds of slaves, but because of General Cheng’s saving them. Innocent people."

Cheng Shijie said indifferently: "This commander can't bear it for a while. Living people are driven and killed like livestock. I really can't bear to see them, so I act rashly."

"If you have this thought, you will be among the famous generals... General Cheng can be among the famous generals!"

Cheng Shijie naturally knew that Lin Xuzong was flattering him, but the problem was that everyone liked to hear good things, and Cheng Shijie was no exception.

"Educated people are different. Flattery is so refined.

His eyes could not help falling on Ma Shilin beside him, and now Ma Shilin has an opponent.
Cheng Shijie thought that this Lin Xuzong was just doing these two things, but he didn't expect that Lin Xuzong continued: "General Cheng has a magnificent mind, is generous, and is really a dragon and a phoenix among people. Although he occupies the position of the frontier today, he must be a pillar of the temple in the future, a phoenix." In the pool, there should be a place for General Cheng..."

"It's over!"

Cheng Shijie said with a smile: "The Ming Dynasty has been established for more than 270 years. At what level has a warrior entered the cabinet? This is not the same time. If it was in the Han and Tang Dynasties, it is possible for the general to enter the prime minister, but it is a pity that the Ming Dynasty has no room for warriors!"

"General Cheng is humble!"

Lin Xuzong said: "General Cheng is really extraordinary. No wonder Mr. Chu Yang's eyes pulled out the general in the corridor. It was Lin who met for the first time recently, but he was also impressed by General Cheng. Unexpectedly, there was also General Cheng in the army. For people like generals, Lin thinks he is talented, but he underestimates the heroes of the world..."

"Ha ha!"

Cheng Shijie was not complacent, nor did he think that he had the "aura of dominance", nor did he have the ability to bow down to him when a hero in the world saw him.

"Cheng was born..."

"General Cheng, there is a saying that heroes don't ask about their background, otherwise, wouldn't the generation of Liu Jinu, the great ancestor of the Han Dynasty, be all lies?"

Cheng Shijie narrowed his eyes and stared at Lin Xuzong in front of him.

With Song Xiance by my side, Lin Xuzong's words are already a bit outrageous. Could it be that he has the physique to attract rebels?

Just then, there was a commotion ahead.

Cheng Shijie followed the prestige, and saw a strange army appearing on the official road, the clothes were ragged, everyone was skinny, and the weapon in their hands was only a wooden stick.

Huang Long, the commander-in-chief of the Dongjiang Army, moved very quickly, but the problem was that the mobilization of 4000 troops was not an easy task. Even with the transportation of naval warships, it was still difficult and stressful.

But the problem is that Huang Long himself has no time to waste, because he really has no food, and when a person is in a difficult situation, his brain must be enlightened.

Huanglong issued an order to mobilize the Dongjiang Army in Lushun. With the gathering of a battalion, he sent 3000 troops to Jinzhou Weicheng at a very fast speed along the way of the Liaodong refugees.

Originally, Cheng Shijie wanted Huanglong to send the team directly to Gaizhouwei. After landing from Gaizhouwei and changing their outfits, they could go to the front line of Stone Castle.

"Did you all come here empty-handed?"

Cheng Shijie was slightly displeased when he saw that the general leading the army was actually Mao Wenlong's adopted son Mao Chenglu.

Mao Chenglu hurriedly explained: "Cheng Shuai, we have nothing to do, the Dongjiang Army is really too poor..."

Cheng Shijie pointed to the soldiers of the Dongjiang Army under Mao Chenglu's command: "Your weapons are too bad! You can't pierce the iron armor of Jiannu white armor with this kind of spear!"

PS: I finally wrote it today, and now Lao Cheng’s brain is in a state of shutdown. Counting from last night, he has slept for less than three hours, and he is too sleepy.As the saying goes, the hemp rope is only broken at the fine point, and bad luck is only for the poor.Lao Cheng has been in the hospital these days.Lao Cheng's father has been diagnosed with lung cancer, and the situation is very pessimistic.Today, an author friend came to visit my father, and he was asking me, Lao Cheng, how can you still update it now?Does Lao Cheng have another way?No, Lao Cheng has already asked for leave now, and his salary is basically out of money. He can only write books, but this book... I also know that it is difficult for everyone. It is not easy for anyone to wear a mask for three years, but Lao Cheng still wants to Please help me out, the link of Shuidichou has been sent to the book group, not to call for donations, I hope you can lend a helping hand if you can, if you can, prove it to Lao Cheng, forward it to your circle of friends, and spread the word For a moment, I believe that there is still love in this world, and there are many good people.In addition, this text was changed after it was published, and the number of charged words will not be calculated.

(End of this chapter)