Daming: Old Zhu, we agreed not to rush!

Chapter 357 Qianzhuang Bank and Bank

Back in the private room, Su Jing and Zhu Xi had a meal while discussing specific cooperation matters.

Su Jing himself has no plan to expand his business to the capital, although he is very clear that if the business reaches the capital, he will definitely earn more money.

But in that case, Zhu Biao's favor will inevitably be used.

This is not up to Su Jing to decide, the relationship between him and Zhu Biao is destined to be like this.

The shop opened by the Prince's Master will naturally have a group of busybodies coming to spend money.

This kind of bribery method, Su Jing has seen many times in his previous life.

But he is not short of money, and Zhu Biao is not short of money.

Zhu Biao is the crown prince and also his student, Su Jing is not so downcast that he needs to take advantage of his student's honor to do business.

As for Qin Wang Zhu Xi, this is what he wants to do, so he can provide some guidance and let him do it himself.

"Mr. Su, won't you come even when you open?"

Zhu Xi asked Su Jing in disbelief.

In his opinion, this branch is completely owned by Su Jing, and he is only in Su Jing's favor.

Su Jing nodded and said: "That's right, I should do what I know how to do. As I said just now, although I can get [-]% of the profit, I only own [-]% of the shares. The [-]% of the profit is what the King of Qin is willing to give me. Not what I should have."

"why?"

Zhu Xi asked puzzledly.

He couldn't understand that Su Jing produced people and raw materials, which are the core of this branch of Jinling Hotel.

Spices and chefs, this is the core guarantee of a restaurant's dishes.

This is also a major reason why Zhu Xi is so confident about this branch.

Start-up capital and so on, Lao Zhu gave him too much offerings to the King of Qin.

Su Jing looked at Zhu Xi and said, "King Qin, do you know what is the most taboo thing about doing business?"

Zhu Xi thought for a while and replied, "Greedy?"

Su Jing shook her head and said: "No, greed is the motivation to make money, there are advantages and disadvantages, the most taboo thing in business is not knowing how to settle accounts."

"Mr. Su, let's settle accounts clearly, why don't we understand?"

Zhu Xi said with a look of incomprehension: "Students have heard of brothers who settle accounts clearly."

"You contributed people and raw materials, which are much more important than the money and denarius I contributed. The students are willing to take [-]% of the profit."

Zhu Xi still spoke righteously, no matter how he thought about it, he felt that he had taken advantage of it.

Su Jing shook his head and said: "No, no, King Qin, if I wasn't Su Jing, the prince's teacher, your father wouldn't know me, I'm just an ordinary businessman, would you still do business with me?"

The simple words fell on Zhu Xi's heart, and Zhu Xi stood there dumbfounded.

The reason why I can be so magnanimous and make such a profit to Su Jing is that the core is Su Jing's identity in the final analysis.

Without those additional identities, how could the majestic King Qin, the son of Zhu Yuanzhang, come to partner with a businessman.

Aren't the various official businesses controlled by the Ming court more profitable than opening restaurants?

"It seems that you have understood something."

Su Jing looked at Zhu Xi and said with a smile: "What I said is to settle accounts, but in the final analysis, it means abandoning emotions or other considerations, and only proceeding from the interests of this business itself."

"Of course, I am the prince's teacher, and I am recognized by your father. These can be counted as my intangible assets, but do you think I will use these assets to open a branch?"

Zhu Feng was silent for a long time, then nodded heavily and said, "Student, I understand. Everything is up to Sir's opinion."

"Okay, now that we've reached this point, I'll add one more thing. I'll get [-]% of the first year's dividends, and after that, I'll only get what I deserve."

Su Jing added another clause again.

In the final analysis, it is to take less money.

It's not that Su Jing doesn't like money, but he has his own principles when doing business.

To be honest, Zhu Xi, as the King of Qin, opened a restaurant, even without the people and raw materials provided by him, Su Jing, he could still thrive.

As for the reason, it's very simple, he is King Qin.

It's that simple.

Someone once said that when a person is at the bottom, he is surrounded by bad people.

And when a person is on the top floor, it seems that all the people he meets are good people.

Of course, apart from this reason, there is another point that Su Jing really does not want to conduct business in the capital.

"Okay, students understand."

Zhu Xi did not insist anymore, he already understood what Su Jing meant.

Su Jing said: "Eat, people are iron and rice is steel. Only when you are full can you work hard."

"Ah."

Zhu Xi nodded and started to eat.

After a while, a table of meals will be finished, and Zhu Xi is the main force.

Carrying water and chopping firewood in the morning is all hard work, and Zhu Xi is a teenager and the son of Lao Zhu, with an amazing appetite.

The post-dinner walk to digest food is a must-have subject for Su Jing.

On the streets of Lishui County, Su Jing was walking with Zhu Xi.

Both sides of the street are filled with the sound of hawkers. Even at noon, there are still a lot of people, and there is an endless stream of pedestrians.

"Mr. Su, it's so lively!"

Zhu Xi couldn't help sighing.

On weekdays, he rarely has the opportunity to go out, and most of the time he is well protected.

He really seldom felt the fireworks in the market like this.

Su Jing smiled and said: "This is the reason why you want to stay here. If you really become an official, what else will there be in the court besides intrigue?"

"But, Mr. Su, don't you have to play with your mind when doing business?"

Zhu Xing asked with a puzzled look on his face.

In the soap business back then, Su Jing played the intrigue thoroughly, which made Zhu Xi deeply feel the charm of doing business.

Su Jing's face twitched slightly, and said, "That's different."

About half an hour later, Su Jing and Zhu Xi returned to the small courtyard.

Eating too much can raise your blood sugar.

Both of them were a little sleepy, Su Jing was very simple, just sleep if you want to sleep.

Zhu Xi was a little hesitant, because he hadn't finished chopping the firewood he was going to chop in the morning.

Su Jing's instructions must be completed and done well. This was the advice given to him by his eldest brother Zhu Biao.

So, while Su Jing was taking a nap, Zhu Xi continued chopping firewood.

The guard in the distance looked at this scene, even if he knew Su Jing's weight in Lao Zhu's heart, he just felt a little bit unbearable.

Is it okay for you to sleep at home and let King Qin chop wood in the yard?

But they also dared to step forward to help Zhu Xun chop firewood together, so they couldn't get involved in the matter between Su Jing and Zhu Xing.

After another half an hour, Su Jing stretched her waist and walked out of the room.

"King Qin, you are still chopping."

Su Jing looked at Zhu Xi who was chopping firewood and was very surprised.

He had been asleep for almost half an hour, but he didn't stop, and the firewood behind him was piled up on the ground, which was enough to prove that Zhu Xi had never been lazy.

Su Jing couldn't help but feel a little better about Zhu Xi.

For children of this age, it is rare to have such a down-to-earth energy.

"It's my honor to help Mr. Su with something."

Zhu Xi wiped the sweat from his forehead and raised the ax again, but his sore and swollen arms found it difficult to lift it now.

Even an adult would be exhausted chopping firewood for half an hour, let alone a teenager.

"Stop!"

Su Jing immediately stopped Zhu Xi.

Good guy, with such a spare effort, if you really do something wrong with your arm, I'm afraid Lao Zhu will scold him again.

"Mr. Su, what's the matter?"

Zhu Xi was a little surprised, not knowing what he did wrong.

Su Jing pulled him to the stool in the yard and sat down, saying: "King Qin, the firewood is almost done, I don't need that much, but your arm will hurt for several days."

"Thank you, Mr. Su, for your concern. The students are not afraid."

Zhu Xing replied seriously.

However, the next second, Su Jing's hand pressed on his right shoulder, and a sharp pain came: "Ah!"

Zhu Xing still couldn't help shouting.

Su Jing looked at Zhu Xi and said: "Pain doesn't care whether you are afraid or not, you should rest first, use your right hand less, and raise your arms less."

Zhu Xi was a little embarrassed, so he could only nod his head and said, "Understood, Mr. Su."

Su Jing sat opposite Zhu Xi and said, "King Qin, when do you plan to go back?"

go back?

Zhu Xi was taken aback for a moment, he really hadn't thought about it.

"Is there something wrong with Mr. Su? The students are hindering Mr. Su."

Zhu Xing immediately asked.

Su Jing shook his head and said: "That's not true, it's just that you have done so many things for me, the majestic King Qin, I have to express it and ask you when you will go back."

"Students don't dare. What Mr. Su taught me before is enough. Students are willing to do things for Mr. Su and don't expect anything in return."

Zhu Xi immediately said to Su Jing.

For Zhu Xi, Su Jing is his great benefactor, the person who completely changed him.

Isn't it just carrying water and chopping firewood? In Zhu Xi's view, it is a trivial matter.

Su Jing looked at Zhu Xi and smiled and said, "Then if I teach you some new knowledge, don't you want it?"

Zhu Xi was stunned for a moment, then his face changed drastically, and he said to Su Jing: "Student, please don't blame me, Mr. Su!"

Su Jing took the initiative to teach, and Zhu Xi was full of excitement, only thinking that he really came to the right place.

Su Jing waved his hand and said, "How can you blame me? This is all the result of your own hard work."

Su Jing teaches people according to their mood.

And his mood mainly depends on the object of teaching.

It doesn't matter whether you are smart or diligent, as long as there are qualities that make Su Jing feel comfortable, he will be happy and can take the initiative to teach.

In the courtyard, Su Jing began to give lectures.

"King Qin, remember the development process of currency that I told you at the Prince's Mansion last time. In the end, I asked you a question. I don't know if you have thought about the answer."

Su Jing asked Zhu Xi.

Zhu Xi immediately said: "Mr. Su is talking about what will happen to the currency after the banknotes?"

"That's right, that's the problem."

Su Jing nodded and said, "How about it? Does King Qin have any ideas?"

Zhu Xi paused, and replied: "Students can't figure it out. Paper money is very convenient. It is very simple to count and easy to use. Even if it is replaced by other materials, such as silk and silk, as long as it is The value is determined by the denomination printed on it, so it doesn’t really make much difference.”

Su Jing smiled and said: "That's right. Paper money is already a historic progress in the development of currency. There is no problem if you can't think of it."

Su Jing didn't deny Zhu Xi's thinking, even though he didn't come up with the answer.

From paper money to electronic money, the changes would not have occurred if science and technology developed.

The Ming Dynasty is still far away from the emergence of the Internet.

I can't think of anything, it's completely normal.

"Then Mr. Su should know the answer, what will the currency develop after paper money?"

Zhu Xi looked at Su Jing curiously, wanting to know the answer.

Su Jing smiled and said, "King Qin, I think it's better for you to think about this problem yourself."

She didn't tell Zhu Jing, not because she didn't want to, but because she wanted to make it clear, which was indeed a bit difficult.

"Students understand."

Zhu Xi nodded and did not continue to ask questions.

Su Jing said: "When it comes to banknotes, although the current Ming Dynasty is not suitable for the development of banknotes, banknotes have been around for hundreds of years, and there are still many precious banknotes from the Yuan Dynasty."

"Do you know the name of the place where the treasure bills are exchanged for gold and silver?"

Zhu Yu immediately replied: "The bank, also known as the silver bank, has been specifically checked by this student. It is mainly used to exchange currency, not only including the exchange of treasure banknotes and gold and silver, but also copper coins."

Su Jing nodded and said: "That's right, it seems that the King of Qin really put his heart into it, and the bank is a currency exchange institution."

"To put it bluntly, it is actually a business. Does King Qin know how the bank's business is done?"

Zhu Xi said calmly: "The bank can deposit silver, and naturally it can also lend money. As long as the interest on lending is high enough, it will naturally make money."

"very good."

Su Jing boasted and said: "So, the bank is actually a financial institution that undertakes deposits, lending and exchange business. The emergence of the bank is an inevitable product of the development of the commodity economy to a certain extent."

"So, now I ask you, what do you think is the core of the bank? Why do people store their money in the bank instead of putting it in their own hands?"

Zhu Ping replied: "Because it is profitable to put money into a bank. Everyone wants to make more money, so they naturally put it in."

Su Jing smiled and said: "Then what if the bank is a liar? You are greedy for profit, but he is greedy for your capital?"

"Credit!"

Zhu Xi, who was slightly taken aback, immediately gave the answer.

"Well, that's right, it's credit."

Su Jing said: "It's different from other businesses. You pay the money and deliver the goods. There is no credit. If you can see that the money and the goods are cleared, this business can still be done."

"But the bank is a pure currency business. If there is no credit, it will not be able to gain a foothold at all."

"So, at the beginning, most of the banks were government-run. Of course, there were also private banks, but they certainly weren't as reliable as those from the government."

"Similarly, if there is a problem with the government's bank, the people's trust in the government will quickly collapse."

"The consequence of this is often the collapse of the entire economy. This is a very serious consequence. If you are not careful, not only the people will suffer, but even the government will be in danger of being overthrown!"

Listening to Su Jing's explanation about the Qianzhuang, Zhu Xi only felt that he understood more and more why the banknotes could not be issued at will.

(End of this chapter)