Dingguo

Chapter 405, The Xu Family

In the eyes of ordinary people, Kaiyinzhuang should be a money-losing business. 【】

Those who deposit silver can get banknotes of the same face value; and those who exchange banknotes for silver can also exchange cash of the same face value.Since it is flat entry and flat exit, there is no price difference, so how can Yinzhuang make money?

What's more, during this process, Yinzhuang has to pay the cost of keeping the silver, the cost of houses and shops, and the cost of hiring labor.It even took a lot of effort to toss and turn the semicolons of money in various prefectures and roads.

Not to mention these, just the natural loss of silver in the treasury is an incalculable account.

make money?I don't have any pants to wear, so where can I make money?

However, after more than ten years, Datong Yinzhuang not only did not close down, but became more and more stable.The civilians couldn't figure out the reason for this, so they stopped thinking about it.Anyway, they only need to know that they can withdraw cash from the bank with a bank note, and that's enough.

In fact, Datong Yinzhuang will naturally not do business at a loss!It is also impossible to let the silver moldy in the warehouse!With such a large amount of money, if you don't have to go out and earn some interest to come in, I'm afraid that the big families headed by the Xu family will not be able to sleep.

Therefore, Datong Bank only left part of the cash to maintain the daily turnover.Most of the silver is used to hoard land and hoard items.For more than ten years, most of the more than 2000 million taels of cash remaining on Datong Bank's books have been used by the bank to acquire land and accumulate materials.The land brings stable returns to Yinzhuang every year, and the hoarded items also bring considerable income to Yinzhuang through the principle of low entry and high output.

These incomes are fed back to Yinzhuang, which is not only enough to cover all expenses, but also provides generous returns for several big families.Over the past ten years, this kind of return has changed from a few thousand taels to tens of thousands of taels at the beginning, to a stable annual income of at least hundreds of thousands to millions of taels.

Several big aristocratic families gradually tasted the great sweetness of starting Yinzhuang.In order to obtain huge returns faster and more, on the one hand, Datong Bank opened more semicolons to absorb as much silver as possible; And try to make various profitable transactions.

Since Yinzhuang's wealth is too great, the competition in buying and selling is simply disadvantageous!In many cases, as long as Yinzhuang makes a move, it can monopolize the entire transaction of a certain transaction, and then Yinzhuang can sit on the ground and raise the price, making a lot of money.

Yinzhuang is exactly like this, relying on the hens borrowed from other people's houses to lay their own eggs non-stop!This is really a big deal, and it can be expected that as time goes by, more and more people will lend their hens to Yinzhuang, making Yinzhuang a fortune.

In the end, Datong Yinzhuang will become a huge gold-eating monster, extending its minions into every industry that can make a fortune.And the owners of Datong Yinzhuang will lie on the mountain of gold and silver and laugh.

The one who smiled the happiest was naturally the biggest owner of Yinzhuang, the Xu family of Jinling City!

The Xu family is a family of the Feng Dynasty!The family members are prosperous, and every generation has people who are officials in the court, and their influence in the Feng Dynasty is naturally impressive.It is undeniable that Datong Yinzhuang had a very difficult start at the beginning of its establishment. Facing the distrust of ordinary people, those owners headed by the Xu family still spent a lot of effort.Today, Daneng Yinzhuang can gain this momentum, relying on more than ten years of solid operation.

It's just that in Su Sanlai, Datong Yinzhuang is destined to be a short-lived product!

The scenery in front of me is only temporary, and the external environment is no longer suitable for the further development of Datong Bank.If even Feng Chao is facing life and death, then the Datong Yinzhuang attached to Feng Chao's body can only be a dying candle.

This is not Datong Yinzhuang's fault!Rather, the Dafeng Dynasty did not have the strength to protect the stable development of Datong Yinzhuang.If there is no skin, there will be no hair!How can there be no eggs under a broken nest?In troubled times, who would hold worthless banknotes in their hands?

But Xu Chen, the Patriarch of the Xu family and the servant in the East Mansion, is not so enlightened!

Xu Chen is not a real businessman, nor does he have such a keen eye as a businessman!He can be a servant not because of his great talent, but because the interest group he represents needs him to sit in this position and speak out for them.

Since Xu Chen didn't have any outstanding talents, after inheriting the family business and the family's tradition of being an official, he naturally didn't want to change or innovate.In his eyes, stability overwhelms everything!Maintaining the current good situation step by step is more important than anything else.Therefore, many of Xu Chen's decisions were inevitably conservative.

It is such a conservative, stable-minded person who is in charge of the fate of the Xu family and the fate of Datong Yinzhuang!

In fact, it is not wrong to seek stability and conservativeness!If the Feng Dynasty can continue to develop smoothly, no one can do anything to the Xu family, and no one can say anything to Datong Yinzhuang.But the world is changing, and when Xu Chen encountered such a season, he could only say one thing: the time is the time, and the fate is over.

"Master! The third master and the sub-treasurers of Yinzhuang have come in!" Wang Chong, the butler of Xu's residence, said to Xu Chen who had just returned from court.

Wang Chong was originally the second housekeeper of the Xu Mansion!Since Zhu Yiguang's success, Wang Chong was selected from many second housekeepers to be the chief housekeeper.Naturally, Wang Chong also wanted to have the same opportunity as Zhu Yiguang to gain a future.Although it is only a small official, the temptation to open a house and register by himself is very attractive to servants like them.

Therefore, Wang Chong was extremely concerned about the affairs of the Xu Mansion, for fear that he would make a mistake and affect his progress.

After listening to Wang Chong's words, Xu Chen changed into his home clothes unhurriedly. It was getting late outside and there were still bits of cold rain in the sky, so he asked, "What's the matter with them coming in?"

Wang Chongyi lowered his body and replied: "It's something about Yinzhuang, but I dare not ask about specific details."

Xu Chen took the hot tea, took a sip, and said, "Let them wait in the study! I'll go right away."

Wang Chong quickly withdrew and went to the hall to spread the word.

Xu Chenan sat comfortably in the chair for a while, thinking about what happened today!

Yuan Guo has already received news that the imperial court wants to make a marriage!Yuan Guo not only agreed to the marriage, but also sent a team of envoys to discuss the marriage, and now this team has already made a detour to the south!Gongsun Sheng that old man has made a great contribution this time.I heard that the alliance's peace talks went very smoothly, and the old guy also won a lot of benefits for the court, Yuanren seemed to have made a lot of concessions.

It is inevitable that Gongsun Sheng will enter the court again as an official, but he does not know where the emperor will place Gongsun Sheng.No matter how it is arranged, it is certain that the old guy will enter the East Mansion.Hey, there is another old fox in the East Mansion, so I have to be more careful when doing errands in the future.

Hey, I knew it was so easy to talk about!I should take the initiative to ask for this job.

Forget it, things are already like this, what's the use of thinking about it?However, the alliance between the imperial court and the original country is only beneficial to him, and has no disadvantages.

As far as official affairs are concerned, with one more Gongsun Sheng in the political affairs hall, Wu Taiming's status will inevitably decline. After all, Gongsun Sheng's influence as deputy prime minister for decades is enough to be compared with Wu Taiming.Anyway, just don't offend me anywhere!The more hills there are in the East Mansion, the better it will be for him.

As far as private matters are concerned, the closure of the alliance between the two countries should greatly shock the people of Beijing!Once this contract is negotiated, I am afraid that the Three Kingdoms will be a foregone conclusion. While the external situation of Feng Dynasty is becoming more and more stable, the development of Datong Yinzhuang will be much more stable!This is undeniably great news.As long as this news spreads, there will only be more and more orders in Yinzhuang.

While Xu Chen was thinking about this, Wang Chong walked in again!Xu Chen abandoned the tea, carried the hand warmer, and walked towards the study.

As soon as he entered the study, Xu Chen heard everyone in the room talking about the Feng family fiercely.As soon as Xu Chen came in, everyone fell silent, stood up and greeted Xu Chen.

Xu Chen's eyes swept over everyone. Except for the third brother Xu Shijie, the others were all sub-treasurers sent by various owners in the Yinzhuang. They usually didn't do anything, but jointly supervised the accounts.

Xu Chen frowned, thinking that his father was really confused.The Xu family can take over the Yinzhuang business by themselves. Why did they bring these families together in the first place?Now it's all right, half of the annual income will be distributed to these aristocratic families. These aristocratic families rely on Yinzhuang alone, do nothing, and can't starve to death.

The Xu family is a bit tired, presiding over the overall situation, and helping these aristocratic families to make money. If these aristocratic families just sit around and wait for the money to be distributed, then that's all for nothing!But in the past few years, these aristocratic families have always jumped out at every turn. It is very annoying to make this suggestion and that suggestion.

With a clear cough, Xu Chen sat down behind the big desk in the study, and then said to everyone: "Sit down!" After everyone sat down, he called out to the third brother: "Shijie!"

Xu Shijie's face is a little old, although Xu Chen is ten years younger, but in terms of age, he is not much different from Xu Chen!Because he is a big shopkeeper in Yinzhuang, his temper is becoming more and more calm.

Xu Shijie was a little apprehensive to Xu Chen. As the saying goes, an older brother is like a father. Now that his father has passed away, this elder brother is in charge of everything.This elder brother is very stubborn. Once he made up his mind, he couldn't pull back even eight cows.Therefore, Xu Shijie had to come in and ask his elder brother what he meant when Yinzhuang was a little bigger, otherwise he would definitely be scolded.

Seeing Xu Chen calling his name as soon as he came in, Xu Shijie immediately stood up after sitting down and said, "Brother!"

Xu Chen was very satisfied with the respectful attitude of the third brother, so he waved him to sit down and asked, "Are you talking about the Feng family just now? What happened?"

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