Mingmen Family

Chapter 28

But although she doesn't understand business, she also has basic judgment.She is also very convinced by Ye Yaming's words.This is obviously much smarter than the old man's bad ideas.

So it's not surprising that the old man became like this.

Ye Chongming's face quickly collapsed again.

He sighed deeply, and said to Ye Yaming: "We don't have much loose tea. If you want to make a lot of osmanthus tea, you need money to collect osmanthus and buy loose tea. Next year's new tea will be booked after the Mid-Autumn Festival. Even if It’s too late for us to sell the fields and land and shops.”

Ye Chongming pays attention to health preservation, and he usually takes good care of himself. Even at the age of 60, there are not too many wrinkles and age spots on his face.

But now, Ye Chongming's face showed what an old man of this age should look like.

He said: "Ming'er, I won't hide it from you. Our family's savings are all lost because of the trouble caused by your fourth uncle, and some money has been transferred to the sales department after the Mid-Autumn Festival to book next year's spring tea." .”

"If your uncle can bring back the money smoothly in the past two days, we may be able to barely get through the difficulties by borrowing money from here and there. But if it doesn't go well, then our family doesn't have enough cash to book next year's spring tea. Now it's real money I don’t need money to buy loose tea and make osmanthus tea.”

"Although the profit from selling osmanthus tea is higher, it can also start the reputation of our Yeji tea, which has many benefits. But after the time for ordering tea, no matter how much money we make later, it will be empty. We can't buy next year's tea Spring tea, our tea factory, tea house, and tea house have no meaning to exist. The foundation of the Ye family for so many years has been destroyed."

He raised his head and looked at Ye Yaming: "So, I have to guarantee next year's spring tea first. For osmanthus tea, I can only wait for next autumn to make a large amount of it."

"Although the family has land and shop, it will take time to sell. We are not only short of money, but also short of time."

Ye Yaming frowned.

The tea discussion system in this era is really a bit fucked up.For spring tea in the second year, tea merchants have to take money to the sales department to make reservations for the Mid-Autumn Festival in the first year.In addition, tea merchants have to pay enough tea tax to get tea quotations.

Dajin's Chayin is not only equivalent to a business license, but also similar to the "food stamp" in the Chronicle.How much tea do you want to buy, how close or far is the distance to transport it to other places, the tea tax you pay is different, and the tea guide you get is also different.

The production of tea here is not much, and not everyone can get the tea after paying the tax and reservation fee, and they need to have a certain qualification certification.For example, the Tao family runs an inn, and suddenly thinks of the sales department to buy tea and sell it elsewhere.Unless you have a strong backer and the head of the government has greeted the Ministry of Finance, the Secretary of State Affairs will not approve the tea to you.

And even if it has passed the qualification certification, it is not over after paying the money to the sales department.There are so many maocha in the hands of the Ministry of Commerce, who knows which one is good and which one is not?If you want to ensure the quality of tea, you have to communicate with the farmers.

There are also "mountain tops" in the field in addition to the department of affairs, to ensure that the tea is produced on that mountain.The quality distinction of tea there is nothing more than the difference between the first picking, second picking, high-quality tea and bulk picking.

But here in Lin'an City, there is only the Department of Commerce, and the tea is not collected from one place.Some are at the foot of the mountain, some are at the top of the mountain, and some are on the flat ground; some are sunny and some are shady.The acidity and alkalinity of the soil are different from the situation of fat and thin.

The taste of maocha produced in different places is naturally very different.

Even if you go to the sales department, they can't guarantee that what you get is the Maocha produced in the places you want.

Therefore, the tea merchants in the tea shop have to communicate with the tenants, and spend another sum of money to order tea from certain tenants.Give them a certain amount of money, and they will fertilize and manage according to your requirements, and pick them according to your requirements, and then make raw tea with certain quality assurance according to your requirements.

When the tea is handed over in spring, the two parties will make an appointment to go to the Negotiation Department together, and the farmers will hand over the tea and the tea merchants will buy tea at the same time.Because both parties did not violate the court regulations, the price of tea also followed the counseling department.As long as the money is enough, the sales department will naturally turn a blind eye to such a transaction.

That is to say, in order to get the tea produced next spring, tea merchants need to pay money to the government to get the tea guide, manage the sales department to let the two parties trade, and then hand over money to the sales department to reserve raw tea and pay taxes. Money is given to the farmers in order to get the tea they want.

The wool comes from the sheep, and all the costs paid by the tea merchants will be earned back when the tea is sold, and a huge profit will also be made.But every autumn, they have to come up with a large sum of money to advance.Once the tea in that year did not sell well and there was a backlog, and the capital turnover was not enough, the business could not continue.

Because the Ye family strictly controls the quality of Maocha, and the craftsmanship of the tea is also good, the word of mouth accumulated over the years is good, so it is easy to sell.If there were not mistakes in several places at the same time, the turnover would naturally be no problem.

But now, there is a problem with the Ye family's capital chain, and there is no way to continue investing in osmanthus tea.

It's okay not to make a large amount of sweet-scented osmanthus tea, at most the Ye family can't make money from this project.

But Ye Yaming had a bad premonition, she felt that Ye Hongchang's money might not be able to get back safely.At that time, next year's spring tea can't be booked, and the Ye family's decades-old foundation will be destroyed just like Ye Chongming said just now.

The Ye family's business is still tea, and they would rather buy tea gardens if they have money.Therefore, there are not many lands and shops under the name of the Ye family. Even if they sell it now, it is estimated that it will not be able to fill the hole caused by the two losses of silver.

What's more, if the land and shop are sold in a hurry, they will definitely not be sold at a high price, and it will be rumored that the Ye family is going bankrupt.This is the most taboo of doing business, which means that both partners and customers no longer trust you.

She began to think about how the Ye family should get through this difficulty once Ye Hongchang couldn't get the money back.

She asked, "Grandfather, do you have any friendship with the owner of the bank?"

This topic is too jumpy, Ye Chongming is a little confused.

But he still said: "Yes. You forgot? Your grandmother's family opened a bank."

Ye Yaming looked at Mrs. Ye in surprise.

Mrs. Ye nodded: "Yes. But now my cousin is in charge of the house. He is a person who only cares about money. If you ask him to borrow money, he probably won't agree."

Ye Yaming frowned.

It was only then that she remembered that the main business of the ancient bank was exchange, which solved the problem of inconvenient and unsafe carrying of precious metal currency.Instead of lending money, they make money from exchange fees.Historically, the lending business was not launched until the end of Ming Dynasty.Da Jin is equivalent to the end of Song Dynasty and the beginning of Ming Dynasty, and the situation should be similar.

(End of this chapter)