"Miscalculated wrong? No, it's not wrong!"

Zheng Tong immediately refuted that he did not intend to go around with Wang Yue, so as not to be confused by the other party. Zheng Tong has been a low-level official and has a lot of knowledge, so he is not so easily confused by the beautiful prospects for making wishes.

You must never be led by the other party during the debate, otherwise you will only be confused and then have many flaws. This is what King Xiyang said. Zheng Tong deeply agreed, so he began to try to dominate the topic:

"No matter what loan or interest, I won't say these, I'll ask a few questions."

Before Wang Yue could answer, Zheng Tong continued to attack. The entry point was not to calculate the profit calculation of various profit-making businesses, but to special costs.

Rixing Changguifang has no foundation in Henan. If you want to carry out lending business in various prefectures and counties, you have no connections, no credit, and insufficient staff. Therefore, you must find "partners" everywhere, and through the help of these "partners" to carry out your business normally.

It is impossible for others to help Rixingchang for no reason, so they have to give benefits, which is also a cost.

To this end, the benefit that the Xiyang King Plan wanted was salt profit, that is, the government will supervise the production of sea salt in official and private salt farms in Huaibei, and then sell part of the sea salt as a benefit to those "partners" at a low price, so that they can take the opportunity to make profits.

Because Huaibei Salt Field is about to implement the salt drying method, salt production will be expected to increase significantly next year, so Xiyang King's plan seems to be very feasible, but Zheng Tong believes that it is too optimistic.

The reason is very simple. These partners can secretly stab the knife while drinking with the shopkeeper of Nixingchang, taking all the benefits, and then messing up the Qingmiao loan in Nixingchang, and then let farmers ask for their own loans.

This kind of thing is not impossible. Zheng Tong is knowledgeable and knows that the powerful and wealthy people who are arbitrary in the countryside can do anything.

Zheng Tong casually gave a few examples: If someone who used to lend money to Xingchang in every few days fired arrows, threw chickens and ducks to death, and did not cause any death, he was just to intimidate, then should the people in Xingchang hire more guards?

This increases costs.

If someone deliberately spread rumors and then uses various means to intimidate farmers, will farmers dare to borrow money from Rixingchang Guifang?

In order to resolve this situation, Rixingchang has to spend manpower and material resources, which is also a cost.

Or, if you use a lot of money to buy a few people, find Rixingchang to borrow money, then hang yourself, leaving a last word saying that you were forced to death by Rixingchang’s loan. After causing a few lives, see who else in the local area dares to borrow money from Rixingchang.

If Rixingchang wants to clarify the facts, he still has to spend manpower and material resources to solve them. This is still a cost.

The Qingmiao Loan that was released by Nixingchang was like killing the parents of powerful and wealthy families in various places. These powerful households could not explicitly block them, but could secretly use tricks. This could greatly increase the cost of Nixingchang's loan, causing countless troubles that could not be solved, and wasted time.

The issuance of Qingmiao Loans is seasonal. If the time is missed, farmers do not need to borrow from Rixingchang. Those powerful households only need to make trouble at critical moments and do not need to kill anyone.

In order to lend, Rixingchang Guifang has to spend a lot of manpower and material resources to accomplish things, and the other party only needs to use dirty means with very small costs to make things easy.

If it is just a few prefectures and counties, this problem is not a problem, but today Xingchang is going to conduct business in various parts of Henan, and it is foreseeable that people are stumbling around everywhere.

How many escort teams and guards does Nixingchang need to hire, and how much energy does it take to clear the connections to release the Qingmiao loan? In order to deal with various troubles, isn’t the money and food spent by Nixingchang included in the cost?

After Zheng Tong’s doubts, Wang Yue refused to argue because he was already convinced: “Brother Zheng’s doubts are correct, but how to lend is the business of Rixingchang Guesthouse. Why should Brother Zheng work hard?”

The direct response made Zheng Tong's doubts fail, but he then attacked: "How to lend to Rixingchang is indeed not my business, but I still have to ask, which one is reliable in the so-called profit-making business?"

"Rixingchang plans to lend money to support the workshop owners to open hydraulic textile workshops in Yuzhou and Bozhou. They use abundant hemp from all over Henan as raw materials to sell textiles with high-quality and low-priced fabrics. Once the workshop makes money, Rixingchang will make money. This is a good idea."

"But how much profit will the new workshop have at the end of next year?"

"Not to mention that those powerful households will foolishly watch you buy a large amount of mahjong? They can also do bad things, making farmers afraid to sell mahjong! Even making the cloth woven from hydraulic textile workshops difficult to sell!"

"At that time, the shop owners who have loaned to open a hydraulic textile workshop from Rixingchang will not be able to collect it. Where can I get the money to repay your loan? How can you repay the reward?"

"If the king had spent several years dealing with the powerful households in Henan and rectifying the administration of officials, I would not have suspected that Rixingchang Guifang could achieve profits of more than three points, but now it is only one year, which is absolutely impossible!"

Zheng Tong said this and looked at Wang Yue: "Ri Xingchang is about to cut off the wealthy households' business of loan sharks. They hold grudges. How can you buy it by giving some benefits?"

"Shut off one's wealth path is like killing one's parents. How can one forget the hatred of killing one's father? "

"Of course not, I will only hate it to the core, wishing I could kill my enemy." Wang Yue laughed, "Brother Zheng's doubts are not wrong. It is indeed difficult for Rixingchang to lend and make profits in Henan without foundation within one year."

He signaled Zheng Tong to drink a cup of tea to moisten his throat, and then slowly said: "So the problem needs to be divided into two parts. First, how to successfully issue Qingmiao Loan, and second, how to make a profit from Rixingchang."

"First point, Brother Zheng doesn't need to ask too much. I have my own opinions on the despise, as for the second point..."

"Since its establishment, Rixingchang Cabinet has been committed to investing in industries and using this as a main means of profitability, which is the consistent purpose of despised."

"So, most of the profitable businesses in these data will take years to have a huge return. This is the helplessness of investing in the industry, and it is slow to make money."

"But even so, we must support the industry. This is the king's wish and no one can violate it. Brother Zheng's attention is confused by these long-term investments and has not seen the most critical short-term investments."

After drinking tea, Zheng Tong continued to attack: "Short-term investment? Purchase phishes (abaloster) on the coast of Huaibei and resell them to Jiankang, the capital of Chenguo? Yes, Jiankang has a great demand for phishes, but even if a phishes make consistent money, how many phishes can you sell?"

"So what if you sell 100,000 phishes every month? Can you fill the gap by selling 1.2 million phishes a year? You can't even cash out the phishes on the coast of Huaibei if you catch them all!"

Wang Yue signaled Zheng Tong to be calm, and Zheng Tong became more and more excited as he spoke: "So the king finally had to rely on sea trade to turn the situation around? By transporting overseas incense medicine to Huaikou and then selling it to various parts of Henan, in order to make profits to realize the dividends? Where is there any time!"

"Overseas merchants will not arrive in Panyu, Guangzhou until next spring and summer. The incense and overseas treasures they bring. Even if your ships in Panyu are loaded, they must go north to Huaikou, but they cannot leave as soon as they want, because there are often hurricanes along the coast of Lingbei in summer and autumn!"

"Even if you avoid the hurricane, you have to wait for the hurricane to go out to sea. You can't leave as long as you want, let alone the time when the Fans arrive at Fanyu is uncertain. It may be the beginning of Xia or the late Xia."

"So your sea boats will not reach Huaikou until late summer and early autumn. Even if every sea boat can reach Huaikou safely, it will take time to sell these incense medicines. How can you save the dividends at the end of the year?"

Seeing that Wang Yue was still calm, Zheng Tong became a little anxious: "The king shouldn't be so anxious to promote Qingmiaodai, why don't you persuade me!"

"Mr. Wang said just now that Brother Zheng has calculated it wrong."

"How do you say this?"

"Brother Zheng said that although phishes are good, you can't get 100,000 per month, right? So what makes money is..."

Zheng Tong interrupted the other party without hesitation: "So you plan to sell ice! It's crazy! What's the point of selling this ice? It's good to pick ice in various parts of Henan and sell it elsewhere. It can make money, but it can't be transported back to Shannan!"

"It's closest to the closest, with the largest demand and the most convenient transportation place is Jiankang. But how much can your ice be sold in Jiankang? It will also snow and freeze in Jiankang in winter. Although there is less ice, it will be there. How much profit will it be to sell ice to Jiankang?"

"Are you going to sell it to the Riding Table? So what!"

Zheng Tong said this, because he was too excited, he was already a little out of control: "The wealthy chiefs on Lingbiao have never seen ice. It is really cool with ice in the hot summer, so the ice can be sold at a high price on Lingbiao, so what?"

"It is said that the summer on the surface of the Ridge is extremely hot. If there is ice to cool down every day in the hot summer, the demand will definitely be very high. But will they get used to using ice to cool down in the summer? This habit cannot be cultivated overnight!"

"You have to sell ice to the Lingbei. Of course you can make a profit, but it will take several years to make a big profit. I asked, next year, how much money can you make in selling ice? Can you fill the profit gap in Qingmiao Loan?"

Wang Yue nodded: "Of course not, and even if you sell phignons, it's a far cry because the profit gap is too big."

After Wang Yue finished speaking, he said to himself without waiting for Zheng Tong to ask questions: "Brother Zheng knows that the wealthy chief of the Lingbing has a good location, relying on the mountains to eat the mountains and the sea to eat the sea, but few people have seen Bing."

"The Yangtze River area will also freeze when it is cold in winter, but if the lakes have to produce thick ice, they must be north of the Huai River."

"In the middle of winter, lakes in Henan will freeze into ice, which means there is no cost of ice making, and the cost of ice collection is very low. After loading the ice, flowing into the Huai River and reaching the Huaikou, and selling it on the sea road to the Lingbei Bridge, you will definitely make money. The question is how to make money."

"There are ice cellars in the Central Plains, and high-ranking officials are prominent. The big households in various places rely on ice to cool off in summer. Because it is basically not snowing in most areas, it has never been a habit, so it takes time to promote it."

"We must make the rich and powerful officials from all over the country accustomed to buying ice in winter and storing it in summer to cool off the heat. Once such a habit is developed, it will be a huge market, which means that there is a huge demand for ice in Lingbiao and Jiaoguang area."

"It is not only the widespread intersection of the Ridge, but also the countries in Funan and beyond, it is conceivable that the demand for ice is very high...but the premise is that the price is appropriate."

"The chiefs in these places have strong ability to pay, mostly rare treasures such as gold, silver, ivory, and medicine. So in fact, as long as the ice is traded well, the profit will not be low."

Zheng Tong questioned: "What does this have to do with filling the profit gap of Qingmiao Loan? You have created so many profitable tricks, just to make...ah! Could it be... Could it be that the three people who fought with the king in Henan..."

"That's right, that's right!" Wang Yue smiled, "Three guests from the Lingbei have seen the prosperity of the Central Plains, the dripping water in winter turn into ice, and then opened the secrets through the king's guidance, so they planned to follow up. This was a few months ago, and now it has been decided..."

Zheng Tong was a little lost and murmured to himself: "So, Rixingchang's goal is not just those profitable businesses, but the intention of the drunkard is not to drink?"

He seemed to have figured out something, but it was just a little bit short. So he wanted to know the final answer. Wang Yue smiled when he saw this: "Yes, the drunkard's intention is not wine. Rixingchang wants to fill the profit gap. It is not about selling ice or phignon, but about using it to absorb more investment, which is the other gathered capital!"

"This requires confidence! Only with confidence can everyone actively invest in Xingchang in the past. They dare not take the risk of investing in Qingmiaodai, but are willing to invest in selling ice and fish! Chen Fozhi, Feng Xuan, Ning Changzhen, that's it... Do you know how much does Xingchang in the past have to invest in?"

Zheng Tong asked quite expectantly: "How many are there?"

Wang Yue stretched out a finger: "The discount is at least one million yuan!"

Zheng Tong retorted: "This is impossible! Where are there so many copper coins on the Lingbing table? Are you talking about discounts? Wait, are they investing in rare treasures such as gold, silver, pearls, ivory, coral or fragrant medicine? The price is discounted according to the price when sold in Central Plains?"

Wang Yue replied: "Yes, they have a lot of pearls, corals, ivory, and the rare overseas treasures accumulated over the years, such as incense medicine. These things can be sold at high prices in the Central Plains."

Speaking of this, Wang Yue also added: "Previously, a rebellion occurred in Lingbiao and was wiped out by General Manager Yang. Now the land transportation between Guangzhou and Nanchang is unobstructed. The funds invested by Lingbiao wealthy families will be transported to Xiyang at the latest at the end of next spring."

"And a large amount of ice cubes, and the north wind is still there at the end of winter, it has been transported south!"

"So that's it, so that's it!" Zheng Tong smiled and felt relieved.

He has been struggling with what to rely on to make a profit from Hikki, but he ended up thinking wrongly.

Rixingchang absorbs money and grain at two cents of interest, and then puts Qingmiao loans at two cents of interest. This transaction is destined to lose money. In just one year, ordinary transactions cannot fill this gap.

But Rixingchang can use the gimmick of "taking Henan Qingmiao Loan" to show its strength to local big players, and then make news in time, or send people to promote it, launch several obviously profitable businesses, which will make everyone "be amazed".

Chen Fozhi, Feng Xuan and Ning Changzhen from Lingbiao were moved. They only said that Ri Xingchang was rich and powerful, with the court as their backer, and doing business was a sure profit without losing money.

They come from the rare ice and snow Ridge. Now they are in the Central Plains, so they know that they will definitely make a profit when selling ice back, so they are willing to invest, and invest in one investment.

The rare treasures that are discounted by no less than one million yuan are not only to take out all the inventory saved by their ancestors, but also to make a fortune, but also to have the idea of ​​long-term ice trading.

With this investment, combined with the funds invested by major local investors, the profits of other businesses gathered together, which is enough to serve as a "margin" for Qingmiaodian to cash out profits.

So whether the weather in Henan is good or bad next year, Rixing Changdu can cash out the principal plus the interest of two cents, which is the "emergency plan" that will only be used in the worst case.

However, if Rixingchang embezzled the huge amount of funds invested by Chen Fozhi and others in emergency, how should he repay the interest he deserves from the other party's investment in the future?

Simple, in addition to ice with almost no production cost, you can also pay with low-cost and high-value "specialties" such as glassware produced in Huangzhou. Glassware is now not profitable in Shannan, but it is different in Lingbei.

Chen Fozhi and others must agree on the "alternative solution" that makes sure to make a profit but not lose money.

So after some operation, Rixingchang Cabinet is like "making a fortune by making a fortune". Of course there are risks, but the feasibility is very high.

When Zheng Tong thought of this, he felt that he was really too short-sighted before, but he still had one question, and he was unwilling to accept it if he didn't ask:

"Ri Xingchang's large-scale release of Qingmiao loans in Henan involves a lot of people, and the court must agree and make corresponding decisions. However, the king himself has never been able to make the central decision. Could it be that he still has to rely on King Qi to disagree with the public?"

This question is a bit sensitive. Even if Wang Yue knows the truth, he cannot tell it casually. However, since he is here and Zheng Tong is a smart person, so he clicked appropriately:

"Brother Zheng, there are other big clients of Rixingchang Investment, besides King Qi and Prince."

After hearing this, Zheng Tong was stunned.

He knew that King Qi and the prince of Xingchang invested in the past, and he could guess that the investment amount would not be small, but Wang Yue said specifically, "Besides King Qi and the prince, there are others," which obviously means something in his words.

It can be imagined that this person's identity is not low. After thinking about it, he only has...
Chapter completed!