At the end of Qin, I became a son of the plane

Chapter 472: The Patron Saint of Merchants and the Layout of Tianzhu
Compared with the upper class of India, the Kshatriyas and Brahmins were in panic, while the Vaishya merchant class were overjoyed. The arrival of the Seres' merchant ships brought them the opportunity to make a fortune.

Last year, they generally made more than three times the profit on the goods they purchased from Seris. It can be said that everyone made a lot of money.

What's more important is that the standards are different from those of the Kshatriyas and Brahmins. The Brahmins say that the Seris are the incarnation of the devil, and the Kshatriyas say that they are devils from hell. But among the Vaishya merchant class, the Seris are honest and abide by the rules. Compared with those greedy Brahmins and Kshatriyas, they are simply the benchmark of morality.

As long as their caravans went to the territory of the Seres, they did not have to worry about highway robbery, nor did they have to worry about local tyrants bullying them and seizing their goods.

More importantly, the Seres are extremely smart. They have set up a goods exchange. They clearly mark what goods the Seres need, what goods they can buy, and how much they can buy. Everything is open and transparent, which allows them to buy goods with confidence without worrying about buying fake or inferior goods. They can also compare prices and buy the goods they want at the lowest price.

The Brahmans of the city of Tamasid did not dare to act rashly against them, the Kshatriyas were wiped out, the city lord of the Seris was enlightened and kind, the local taxes were low, there were no officials who oppressed them or took bribes from them, there was no class that exploited them, and their property and personal safety were protected. For the Indian Vaishya merchant class, it was a holy place for business.

Among these incidents, there was one that caused the greatest sensation among the Vaisya merchant class. A merchant caravan was buying a large amount of salt in the city of Tamasid. As a result, as soon as they left the area of ​​Tamasid, they were robbed by bandits. The merchant luckily escaped back to the city of Tamasid.

This kind of thing is very common in India, and merchants can only consider themselves unlucky. If the merchant has no other property, he will surely be ruined.

But the benevolent city lord Zhang Yong was furious when he learned about this. He dispatched 500 soldiers to wipe out the arrogant bandits, take back the merchant's goods, rescue the captured guys, and return all the goods that had been stolen by the bandits to the merchant.

This incident caused a huge sensation among the Vaishya class, because the Kshatriya class in India would not do anything other than collecting taxes, nor would they protect their interests, let alone return the goods to them after wiping out the thieves. This was the first time such a thing happened in India.

After this incident, Zhang Yong became famous among the Vaishya merchants in India. Many small merchants even carved a wooden statue and hung it on their caravans, initially just for psychological comfort. But surprisingly, it actually worked. Generally, if there was a caravan with such a wooden statue, not only would the Indian bandits not dare to provoke him, but even the Kshatriya nobles in other cities would not dare to provoke him.

Because all classes in Tianzhu are not clear about the code of conduct of the Seres, things that seem extremely important to the Tianzhu are wantonly destroyed by the Seres. Things that seem ordinary to them always accidentally anger the Seres, and the Seres are so good at fighting that they will be attacked by the Seres if they are not careful. Based on the principle of not being able to avoid being provoked, all classes in Tianzhu generally do not take the initiative to provoke people who have a relationship with the Seres.

But this instead further boosted Zhang Yong's prestige. Indian merchants worshipped him as a patron saint. It was the first time that someone who could protect their interests appeared in India.

Another benefit this brought was that a large number of Indian merchants moved to Tanmo Sudi City. At the very least, they built a branch trading company here and worked with Zhang Yong to vigorously develop five small industries in Tanmo Sudi City. These merchants and these handicraft areas complemented each other and further promoted the prosperity of Tanmo Sudi City.

So when Hu Hai and his men put the Han Dynasty's goods on the goods exchange again, the Indian merchants frantically bought these goods. In less than a month, one third of the goods Hu Hai and his men brought were sold, and more than half of the silk was sold. It was not that the Indian merchants did not want the remaining silk, but mainly because they did not have enough funds to buy the silk. They could only find ways to raise funds first and then go to the goods exchange to buy goods.

For a time, caravans entered Anxi City every day, loaded up with goods and left quickly because everyone knew that time is money.

A large number of small cargo ships also gathered on the sea of ​​Anxi City to buy goods. For a time, the entire Anxi City was bustling with caravans, and the wealth of the entire Tianzhu was flowing rapidly into this city. But even so, Hu Hai's people were still not satisfied.

Anxi City, City Lord’s Mansion.

Hu Hai said solemnly, "This bartering method is too primitive and too slow. Up to now, a month has passed and the goods we have sold are worth about 8 million coins, and more than half of the goods have not been sold."

Then Hu Hai took out a table, which recorded the statistical data of their daily sales. The most was on their first day in Tianzhu, when their goods had just entered the warehouse, and they sold 1 million coins. But the sales dropped sharply afterwards, with only 5 million coins on the last day of the table.

Hu Hai said: "It's not that the merchants are unwilling to buy goods, but their working capital has been drained. They can't afford to buy goods even if they want to. They can only wait until the previous goods are sold out and raise funds to buy more goods, or trade with the spices, gems and other goods we need. This efficiency is too slow. According to someone's calculation, it will take at least three or four months to sell out the remaining goods."

The owners of other Tianzhu trading companies were also frowning. The speed of goods movement was too slow, which would directly affect their income. Originally, they could make two trips for sea trade a year, but now they had to stay in Tianzhu most of the time, waiting for the goods to be sold, and could only make one trip, which was equivalent to halving their profits.

"What do you have in mind?" Ji Yu asked.

"These Indians need the support of money houses. If they were in our Han Dynasty, these Indian merchants would only need to put their goods on the commodity exchange and raise the next batch of goods. As long as the goods are sold, the money will be transferred to their accounts. The efficiency is at least three times that of India, and we won't have to stay in India for half a year." Hu Hai said.

Wang Fen hesitated and said, "After all, this is not the Han Dynasty. According to my understanding, there are no money houses in Tianzhu. All merchants rely on temples for loans, but these charlatans not only charge high prices, but also have bad reputations."

Of course, good and bad are relative. Compared with the local loan sharking industry in India, the business scope of the temple can at least meet the cross-regional business needs of these merchants. To some extent, it is much more efficient and advanced than the loan sharks of the Han Dynasty.

Historically, after Buddhism was introduced to the Han Dynasty, they copied their track in India, but were beaten half to death. After several attempts to destroy Buddhism, they finally found their own unique track, which is the financial lending industry. All Buddhists in the world are one family. Their lending range extends from Liaodong to the South China Sea, from the Western Regions in the west to the East China Sea in the east. They have temples in any famous mountains and rivers. As long as they have a temple, they have a business point, and a merit box is a counter. They don’t have to exploit the poor people to suck money from the finances, and relying on this, Buddhism has prospered for thousands of years.

So people have always said that monks are rich and Taoists are poor, which is not wrong. Those who deal in finance have never been poor.

But compared to the money houses in the Han Dynasty, the temples in Tianzhu are blatantly exploiting the Han Dynasty. The interest rate of money houses in the Han Dynasty is generally around 10%, and the temples are still playing the nine-out-thirteen-return method from decades ago, which is really too backward. Hu Hai smiled and said, "If the Tianzhu Trading Company wants to make the most of Tianzhu's wealth, it must establish an efficient money house system locally. It just so happens that a certain money house has more than ten years of experience. I dare not say how rich the experience is, but I can guarantee that all the shopkeepers can make the most money in Tianzhu."

Feihai Money House has now become the largest overseas money house of the Han Dynasty. The influence of the money house has reached a population of several million, but this has basically reached its limit. The future development of Feihai Money House can only rely on the development progress of the major vassal states in Southeast Asia. However, no matter how it develops, it is basically impossible to achieve a leapfrog development like before, and it can only slowly lay a solid foundation.

The emergence of Tianzhu was a pleasant surprise for him. If Feihai Money House could dominate Tianzhu, he could control tens of millions of people in Tianzhu through finance. In terms of influence, it could even surpass the four major money houses of the Han Dynasty.

But it is very difficult to do this. It is impossible for him to suppress other forces in India by his own strength. Nowadays, if you run a money house without military support, you can only become the cattle and sheep of the nobles.

And if he could get the support of the Tianzhu Trading Company, with their military force in Tianzhu, who would dare to swallow up the assets of Feihai Money House? Hu Hai would definitely let these people know the story of being heavily in debt.

Ji Yu and the others thought for a moment and said, "If Brother Zhao has this ability, we have no reason to object."

Wang Fen said: "As long as it does not affect the British Duke's money-making, I have no objection."

Zhang Yong said: "The money house system is not bad. It will be easier for me to pay salaries."

In the Han Dynasty, the salaries of officials and employees of the Shaofu were generally paid by money houses. After all, only a few people could resist the temptation of money by willpower. Xu Fan tried his best to reduce the contact of his officials with money. For example, the salaries of officials would not come from the government office, but would be handled by money houses, so as to minimize the influence of the top leaders such as the county governor and the county magistrate.

Zhang Yongben also wanted to do the same thing, but there was no money-making system in Tianzhu, so naturally he had no way to do it.

"Agree! Agree! Agree!" The three biggest bosses had no objection, so naturally they would not have any objection either.

These people's main business is not money. Although they understand that Hu Hai wants to expand his money, it is also good for them to earn profits in Tianzhu. They come to Tianzhu just to gain profits. Since it is a win-win situation, they have no reason to refuse.

After Hu Hai returned to his residence, he called Zhu Pei, Zhu Zi and others and said excitedly: "The opportunity for my Fei Hai Bank has finally come. If we do this well, Fei Hai Bank may really become the best bank in the world."

Zhuzi hesitated and said, "Anxi County has only a few hundred thousand people and five cities, which is the size of a vassal state of the Han Dynasty. There are even more poor people here. I often see naked children running around in the streets. How much money can such a poor place have?"

Hu Hai smiled and said, "It's not Anxi County, but the whole of Tianzhu. Zhuzi, from today on, find a way to recruit local people from Tianzhu, teach them Chinese, train them in the most basic financial knowledge, and find those smart Tianzhu people. They will be our first batch of guys who will take root in Tianzhu. Whether my Feihai Bank can take off depends on them."

Then Hu Hai said, "Brother Zhu, please contact the brothers of Changfeng Escort Agency and the money houses in Tianzhu. We still need our own military force. Let's recruit 100 people first."

Zhu Pei hesitated and said, "Boss, there are not many fellow apprentices willing to go to Nanyang. If my fellow apprentices knew that they were going to Tianzhu, I'm afraid they would not want to come."

Hu Hai said, "People come here for profit, and people leave here for profit. If they don't want to come, it means they haven't been paid enough. Just tell them that as long as they are willing to come to India, the basic salary is 1 coins, and at the end of the year they will get a three-month year-end bonus. If the bank develops well, there will be dividends. Brother Zhu and your fellow apprentices, tell them that as long as Fei Hai Bank develops well in India, I guarantee that they can make 20 coins a year, and they can become millionaires in just five years."

Zhu Pei said: "I am confident that they will come with this annual salary."

This is almost 10 times the salary of his fellow disciples. Not to mention India, even to the ends of the earth, his fellow disciples would be willing to swim over.

Zhuzi was a little jealous and said, "Brother Hu Hai, this is too much."

Zhuzi followed Hu Hai for more than ten years and earned only more than 200 million yuan, which averages out to about 20 yuan a year. However, Zhuzi was Hu Hai's fellow villager and younger brother, and he worked hard for more than ten years without giving up on him to achieve his current status. However, Zhuzi's fellow apprentices could earn almost the same amount of money as Zhu Hai as long as they came to Tianzhu. Naturally, Zhuzi felt unbalanced.

Hu Hai said: "This is a blank market in Tianzhu. Our competitors are no longer the four powerful banks, but a group of sorcerers who pretend to be gods all day long. If we don't take the gift from heaven, we will suffer the consequences. Now we have to race against time and complete the layout before other banks in the Han Dynasty pay attention to the Tianzhu market. When our Fei Hai Bank spreads all over Tianzhu, no one can shake our interests in Tianzhu. By then, Tianzhu Trading Company will also work for us."

Then he smiled and said, "Zhu Zi, you have been with me for more than 10 years. You have learned what you should learn. It is time for you to be independent. After I leave, the Tianzhu Bank system will be handed over to you. You will be the head manager of Fei Hai Bank in Tianzhu. You will get half of the dividends of the money earned in Tianzhu every year."

Zhuzi immediately said, "Brother Hu Hai, don't worry. I will definitely take good care of your business in Tianzhu."

(End of this chapter)