Cutting over the end of the Ming Dynasty: a dog-leg knife at the beginning

Chapter 207
"A bank!?"

After hearing Yang Menglong's whimsical ideas, Cheng Jun's eyes widened with disbelief.

Yang Menglong nodded affirmatively, determinedly, and determinedly: "That's right, it is to run a bank!"

Cheng Jun forced a smile that could be called a smile: "Then please tell me, sir, what is the difference between your bank and a money bank?"

Yang Menglong was very proud: "The difference is huge!"

Cheng Jun gritted his teeth: "What's the difference?"

Yang Menglong gestured with his hands: "First of all, this bank does not accept deposits. That is to say, if others send money to you in the future, you will no longer be able to accept deposits, and you have to give them a certain amount of money." Interest, only in this way can more deposits be absorbed..."

Cheng Jun roared: "If you don't collect deposits, you have to pay interest?! Am I too full to eat or feel that my money is too hot!? What kind of bad idea are you doing!"

Yang Menglong rolled his eyes: "If you don't pay interest, how do you take deposits?"

Cheng Jun rolled his eyes: "I'm taking a fart deposit! The more I take in, the more I lose. A ghost can do this kind of business that loses money from the beginning!"

Yang Menglong also yelled: "You idiot!? What are you using the deposits for? Of course it is for lending! You lend the deposits you have absorbed to those who urgently need a large amount of capital turnover, and set the loan interest rate higher than the deposit interest rate. Ten times, you will make money!"

Cheng Jun was stunned: "Can you still lend money?"

Yang Menglong said: "Nonsense, they have worked so hard to absorb deposits, of course it is for lending! Do you know about underground banks? How do underground banks make money? Usury! The difference is that the principal of underground banks is their own. , and the money you loan out belongs to the depositor!"

Cheng Jun's eyes gradually brightened.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!
Yang Menglong glared at him angrily: "Have you figured it out?"

Cheng Jun nodded vigorously: "I figured it out! My lord really has the ability to be unpredictable. If this business is really done, it will be difficult not to make money!"

Yang Menglong snorted: "It's good if you know! But, remember, the interest on that loan must be lower than that of the underground bank, even much lower, and the repayment date must be looser than that of the usury of the underground bank. Both depositors and lenders feel that it is very cost-effective to save money and borrow money with you..."

Cheng Jun was a little worried: "What if they can't repay the loan or run away?"

Yang Menglong said: "Before lending money, you pre-evaluate his loan repayment ability and fixed assets! Make sure he has the ability to repay the loan before lending. If the other party is insolvent and you still lend money, I can only say that your brain is trapped by the door." Already!" Eyeballs rolled, and he added: "Before lending money, you must conduct a detailed assessment of the other party's fixed assets. If the other party cannot repay the loan when the loan expires, you can use his fixed assets to pay off the debt. Anyway, you will not You will suffer a loss. Of course, the cost of evaluating the fixed assets will be borne by the other party."

Cheng Jun suddenly realized: "In this way, the risk can be greatly reduced! Okay, this business is indeed guaranteed to make money without losing money! I'll go find it now!"

Yang Menglong smiled and said, "Don't worry, if you want to do business, you must first find a good place, right? A bank, the first bank in Nanyang, it can't be too shabby, right? Without a luxurious building, how can you show your strength? How do you let depositors deposit their money in your bank with confidence?"

Cheng Jun thoughtfully said: "Then what your lord means is..."

Yang Menglong smiled slyly: "Why don't you contract this project to me? I promise to use reinforced concrete to build the bank building so solid that even if the other party bombards it, it won't be able to detonate it!"

After all, he is still planning for his own steel and concrete business!
Cheng Jun nodded with a wry smile, and agreed to contract this project to Wuyangwei... The house made of reinforced concrete is not only strong, spacious, bright, but also fireproof, as long as the people inside don't get into the water and push it into the house Too much firewood and coal will be fine, and this kind of house is really suitable for him.

So, another big project was launched.

Now Wuyang County has become a large construction site like an ant nest.Yang Menglong tossed and tossed endlessly with his inexhaustible energy. First, he built two blast furnaces with a daily production of [-] tons of iron centered on Wuyang Iron Mine. A series of iron and steel processing factories were built around the ironworks in the city, specializing in the production of various pig iron and wrought iron products. The sound of iron striking in the processing factories was very lively all day long.Then, he asked Zhang Tong to allocate to him a piece of wasteland near the county town where there were no viable crops. There were thirty or forty factories specializing in the production of various daily necessities such as glass, tooth powder, soap, canvas, shoes and socks, and quilts.Needless to say, these products are absolutely in short supply.Later, this man built several large food processing factories near Wuyang Qianhusuo.Potato starch processing plants are the main force among the main force. At least one million stone potatoes are processed every year, and as time goes by, this number will only increase.The sweet potato planted in Wuyangwei's farm has also had a good harvest. It's still delicious, but you can't eat too much. If you eat too much, your stomach can't stand it, and it will deteriorate if left for a long time, and it will be infested with insects. The clever little General Yang In order to make the best use of everything, a sweet potato processing factory was built to collect the sweet potatoes that everyone could not finish. Some of them were fermented into good horse feed, and some of them were processed into caramel...Caramel is a good thing. History For a long time, the "Yi" in the "sweet as sweet" that the ancients often said refers to maltose.Maltose does not require high production technology. It can be obtained by fermenting, liquefying, saccharifying, filtering, and concentrating the starch of grains and potatoes. The raw materials are easy to obtain.Japan even used rice as a raw material to produce caramel... Later, it felt that the cost of making sugar from expensive rice was too high, so it was replaced by potatoes.Yang Menglong is not as wealthy as Japan, and he can use rice as raw materials. The raw materials he uses are sweet potatoes and potatoes, which are high in yield and cheap in price, which is quite cost-effective.

A large number of factories and workshops have sprung up like mushrooms, and there are more and more types of goods from Wuyang in the Nanyang market.As soon as the crystal clear glass and glass windows were launched on the market, they immediately became the luxury that the rich people flocked to, and the price soared all the way, and there was no market for it; all kinds of knives and agricultural tools made of high-quality iron became the favorite of farmers. Also in short supply.As for the canvas with good waterproof performance, it is a commodity favored by grain merchants. When new grains are on the market, they will rush to buy canvas and use it to cover the grain to avoid getting wet during transportation.Similarly, canvas is also military supplies, and Wuyang Guard also bought a large amount of it, and used it to make tents. It is absolutely impossible to go out to fight without tents.Wine and caramel made from sweet potatoes and potatoes have also appeared on the market. Caramel is the favorite of children and girls, while fragrant, spicy and strong spirits are indispensable in the cups of people from all corners of the country. Things, these two things also flowed to the surrounding state capitals and to the dining tables of thousands of households along with the wheels that turned.

———These industrial areas are still under construction, and it will take several months to fully complete and put into operation, but their strong pulling force has initially emerged: a large amount of steel must be used to build factories and roads , Cement, lime, bricks, and sand required a large number of workers, who almost absorbed the surplus labor force in Nanyang.Those cellar owners who produce lime and bricks work two shifts day and night, but they are still too busy. Even the farmers who go to the river to dig river sand have also made a lot of money!It's not hard to imagine what a huge impact these industrial zones will have on Wuyang's economy when they are fully put into production. Just providing vegetables and food to so many factory workers is enough for everyone to earn a lot of money!

Seeing how profitable it is to run a factory, many people were also tempted. They tried to set up an oil mill, a textile factory, etc., but most of them made money.So many factories naturally need a large number of workers. At the beginning, refugees from all over the country went to work in factories, and then bankrupt farmers went to work in cities. I sold my pitiful assets, and went to the city to start a small business with a little money—there are so many factories, the raw materials needed are amazing, and the middle links can provide more opportunities to get rich. If it really doesn't work, open a snack bar outside the factory and earn a few taels of silver a month, isn't it better than struggling on that little farm?This situation made many rotten scholars grieve and beat their chests: "Everyone is proud of doing business for profit. It's really a declining world and people's hearts are not solid!" They just shouted, and the landlords and gentry were about to cry. They all went to work, and it became more and more difficult for them to recruit long-term workers!Damn Yang Menglong, deliberately against them!For this reason, they often went to the government office to sue Yang Menglong, but Fang Yi told them helplessly: Those factories and workshops are operated legally, and they never owe business taxes. We don't care about them!These masters were so angry that they rolled their eyes!

Fang Yizhi wouldn't care, and Zhang Tong wouldn't care either.He found that with so many factories on his site, it was too easy for his family to collect taxes!No, in just half a year, more than half of this year's tax collection task has been completed. This is much better than having the tax collectors toil from door to door to collect the pitiful taxes from farmers' homes!The tax collectors have also tasted the benefits of collecting taxes from factories. Yang Menglong has given a fatal order. If you want to do business in his territory, you must pay taxes honestly. Anyway, there is a lot of money, and the businessmen who invest in setting up factories don't care about that. I paid the tax very happily. I felt good and even gave the tax collector some tea money. After going back and forth, the tax collector got much more tea money than before. With such an easy income, only a ghost would be willing to continue to work for those poor people who eat chaffy vegetables. The family of the poor ghost collects taxes!The fly in the ointment is that Yang Menglong stipulates that those whose monthly turnover is less than ten taels of silver do not need to pay taxes, which greatly reduces the potential income of tax collectors... Of course, the taxes that countless small stalls can pay are not as high as those of large factories. There are many, but mosquitoes are still meat no matter how small they are!

However, if they dared to gouge out the flesh on the legs of these mosquitoes, Yang Menglong would definitely let someone break their legs...

The tax collectors had better targets and were no longer pressing as hard as before, and the peasants were visibly relieved.As more people sold their land and went to work in the city, the land naturally increased, and because the cost of recruiting long-term workers was getting higher and higher, the landlords were no longer as interested in buying land as before. Some middle peasants and rich peasants I took the opportunity to buy some fields and bought a lot of manure from Wuyangwei for five cents a bag. The good fields were planted with the same wheat and beans, the middle fields were planted with two seasons of potatoes, and the thin fields were planted with alfalfa. The harvest was not bad.And the people who went to the landlord's house to do long-term work obviously felt that the treatment was getting better little by little. At least they could have enough food, and the servants were no longer as vicious as before.

Yang Menglong still hadn't exhausted his energy.From Monday to Friday, his hard work is full, and he is constantly tossing and tossing.Reinforcement factory, cement factory, lime factory, brick factory, phosphate fertilizer factory, sulfuric acid factory, cannery, flour factory... This guy is simply a maniac for setting up factories. wealth.Everyone stared wide-eyed, carefully watching his every move, looking for business opportunities that might be hidden behind.More and more businessmen are coming from all over the world, waving banknotes and preparing for a big fight!
Yang Menglong did not disappoint them either.At the end of May, when the world's first teaching building that used a large amount of reinforced concrete was completed, there were bursts of firecrackers in Wuyang County, and another big project was about to start. This time, it was the bank building. .Yang Menglong even helped Cheng Jun think of a name, so he called it "Limin Bank"!
After Fang Yizhi learned about it, he smiled bitterly: "First he built an industrial zone, then he built a school, and now he builds a bank. This guy can really make a fuss!"

(End of this chapter)