Daming Yuanfu

Chapter 490
"Xin Zheng Gao, who is mere pragmatism, is willing to borrow this money, and... can also borrow it."

As soon as this remark came out, Zhu Zaiyu was a little dumbfounded.

Zhu Zaiyu also knows that Gao is pragmatic and rich. Although he is a person who devotes himself to the study of knowledge and does not usually admire luxury, he is the son of Prince Zheng after all, and he lives in Prince Zheng's mansion, so the various living conditions are naturally not bad.That being the case, the Guoshi soap from the Jinghua Soap Factory is naturally his favorite, so how could he not know Gao Yushi's net worth?

Moreover, the highly pragmatic Jinghua Cement Henan Branch Factory is near the grounds of his family's Zhengwang Mansion, and many raw materials are produced in Huaiqing Mansion. How can Zhu Zaiyu not know whether these factories and mines make money?Not to mention the "30 taels of refugees" incident that made Gao Yushi famous all over the world a few years earlier.

Although the ratio of gold and silver prices fluctuates from time to time, it is generally considered that one to ten is not a big problem. Then one hundred thousand gold is a full one million taels of silver, which is worth one-fifth of last year's imperial court income!
Of course, apart from the fact that the imperial court is really poor, there are still a lot of rich people, not to mention the big salt merchants, just the princes and ministers, there are a lot of rich people.

The Xunchen is like Duke Wei's mansion in Nanjing, and the small half of Nanjing city can be regarded as his family's property. Now it may be that there is too much money and nowhere to spend it, so they have to overhaul the gardens.West Garden, Fengtai Garden, Weigong South Garden, Sijinyi East Garden, Wanzhu Garden, Sanjinyi North Garden, Jinpanli Garden, Jiugongzi Home, Mochou Lake Garden...etc., there are [-] famous gardens in Nanjing, among them There are ten famous gardens built by his family.

It takes a lot of money to build a garden. You can get a glimpse of it when you think about Cixi’s garden. Although the Xu family’s garden can’t be compared with the Summer Palace after all, but they have been building gardens for generations, it can only be said that there is too much money. spent.

The nobles are powerful, and the vassal kings are not bad. Although the most famous wealthy vassal king of the Ming Dynasty, King Fu, has not yet been born, other vassal kings who have passed on for a long time, as long as the fiefdoms are not particularly poor, they are considered relatively rich. Wei Guogong’s Xu family is incomparable, but those who can say that if they take out 100 million taels like Gao Wushi, they will get 100 million taels, at least they are in the top ten.

Of course, only the vassal princes were rich, and some clansmen with distant bloodlines were not able to do so.Although the money and food spent on supporting the clan has long been a big burden on the imperial court, the living conditions of those low-level clan members are actually quite bad, especially the clan members in the four provinces of Shanxi, Henan, Shandong, and Shaanxi. It is almost impossible to open the pot.Historically, in the 15th year of Wanli, Zhu Yijun even had to use money from his internal funds to help these poor relatives.

In fact, the issue of the clan's salary has long been exposed. As early as the Hongzhi period, the imperial court began to limit the number of wives the clan could marry;

During the Wanli period, although Gao Gong was busy with some more important reforms in his opinion, he also took some measures on the clan issue, mainly to restrict the lower ranks of titles.

However, Gao Yushi feels that it is not enough, and has always hoped to continue to "step by step" this issue. For example, now we can consider the adoption of the salary contract system in history during the Tianqi period: no matter how many children you have in your family, the expenses are always covered.

As for the next steps, Gao Pragmatic also has considerations, but how many steps will be divided into steps and how far one step will go depends on the actual situation at the time.

However, although there are so many rich people in Daming, Zhu Zaiyu can be sure that none of them will lend 100 million taels to the yamen in Huguang as soon as they open their mouths, especially to lend them money. Go build water conservancy!
This is not just a question of whether there is money or not, or even a question of "wealth should not be revealed", but how the money will be used in such a way, what will the court think?
Could it be that Gao Yushi is not afraid that the imperial court will "see him differently" for his wealth?

Zhu Zaiyu now really admires the high-practical ambition. In his opinion, this is simply destroying the family and saving the country!So the touched scientist Prince asked Gao Wushi this question in a roundabout way.

After listening to Gao Wushi, he smiled and said: "Mr. Jiufeng misunderstood, this money was not borrowed by the student alone, but by many people."

Zhu Zaiyu was very surprised and asked, "Are there many people willing to do such a good deed?"

Gao Wushi blinked and said with a smile, "Why not? Isn't there a stable source of interest? Of course, [-]% interest is too high. Students think that [-]% interest is great!"

half done?Zhu Zaiyu thought to himself: It's a bit rare for a usury to pay only half of the interest.

Gao Wushi seemed to have become a roundworm in Zhu Zaiyu's stomach, and said with a smile: "Mr. Jiufeng thinks the half interest rate is too little?"

"Uh..." Zhu Zaiyu didn't know how to answer. He was an honest person, and he felt that the half interest rate was indeed too little for usury loans, but he couldn't say that he should charge more interest to trick local government offices. Difficult.

Gao Wushi smiled and said: "Students, let's ask this question... If Mr. Jiufeng is now a shareholder of Jinghua Cement Factory, and Jinghua Cement Factory now needs Huguang's big business, but the Huguang local government doesn't have that much money, unless Let's lend money to the lake first... At this time, do you care that we only charge them half the interest?"

"Oh, if that's the case, then it won't be. After all, this business is already very profitable, and the interest, no matter how much it is, is for nothing." Zhu Zaiyu suddenly opened his eyes wide when he said this: "Ah, are you Those who said they were willing to lend money to them were all shareholders of Jinghua Cement Factory?"

Gao Wushi nodded and smiled: "Yes, Jinghua Cement Factory has quite a few shareholders. The students have arranged for people to discuss with them before leaving Beijing. They are willing to borrow...Mr. Jiufeng, once Prince Zheng's Mansion reaches a cooperation agreement with the students According to the agreement, it will also be a shareholder of Jinghua Cement Factory, will Prince Zheng's House be willing to lend money to the local government office in Huguang together with the students?"

"I don't care about the general affairs of the palace." Zhu Zaiyu shook his head slightly, and then nodded again: "However, I think the father will agree. In addition, I heard that there are many shareholders in Jinghua Cement Factory, not only Youxun Expensive, and..." He pointed to the top of his head: "There are also in the palace?"

Gao Wushi smiled: "Although Mr. Jiufeng doesn't ask about general affairs, he seems to be very well informed. Yes, the palace also has shares, but Mr. Misunderstood a little bit... the palace took the shares of Jinghua Infrastructure, can't you It's just Jinghua Cement Plant."

Zhu Zaiyu pondered and said: "If the palace doesn't mind, my father and king should be very happy... But, how to calculate this loan? There are so many people's shares, just calculating the accounts is a bit troublesome, right?"

Gao Wushi shook his head and said, "That's easy to handle, because we don't lend money to the yamen in Huguang in the name of Jinghua Infrastructure or Jinghua Cement Factory, but lend them another 'identity'."

"What identity?" Zhu Zaiyu frowned and said, "Why do you make it so complicated?"

Gao Wushi didn't explain why it was so complicated, but replied: "The identity of lending money to various yamen in Huguang is called 'Jinghua Bank'."

　Well, this chapter is also released regularly...

　　
　
(End of this chapter)