Good son-in-law of the Ming Dynasty

As a time traveler, no one knows more about the extent of the huge profits in the financial industry than Su Mu.On the surface, it may not seem like a lot of work, but as long as you measure it, even if you sit at home every day without doing anything, money will flow into your hands continuously.

Su Mu smiled and said, "What 200 million taels? My goal is to issue 500 million taels of salt tickets within half a year this year, and 2000 million next year. By then, I will have to pay 300 to [-] million taels a year just for the interest."

"There are so many, is there going to be a big accident?" Old Mr. Wu kept wiping the cold sweat from his forehead.

What scares him even more is yet to come, Su Mu smiled faintly: "No major accidents will happen, don't worry. When the interest is paid, at worst, 300 million taels of salt notes will be paid."

"Ah!" At this moment, Mr. Wu's face turned completely pale: "This, this, this is not a child's life, when the time comes, the debt will become more and more, and it will become a debt that cannot be filled. There's a bottomless hole."

"Filling, who said it should be filled, appropriate deficits and inflation are conducive to economic development." Su Mu laughed again, and then patiently explained.

In Su Mu's vision, salt bills are the banknotes of future generations, and frequent issuance is common in modern society.For example, Japan's national account is twice the sum of its GDP, and it collapsed without seeing others; for example, the United States, with its debts alone amounting to tens of trillions, is not the world's largest economy.Moreover, he seemed to have no intention of paying back the money.

In fact, Su Mu's move also has the taste of a Ponzi scheme, which is to issue new accounts to pay the interest of previous periods.It may sound disgraceful to say it, but as long as you play it neatly, it's not a big deal.

Besides, the big gap in national pension funds in later generations will not be maintained year after year. To put it bluntly, pensions are also a disguised Ponzi scheme, using future pension insurance to pay the pensions of current retirees.

After talking for a long time, Mr. Wu was completely dazed by Sumu's complex financial theory, and finally sighed: "Well, since Ziqiao said that this development is feasible, then let's do it. I will do it now." Post the notice, and then arrange for the right person to do it."

Su Mu couldn't help but rolled his eyes again: "Old man, you can do it yourself, then I've been busy for a long time, wouldn't it be of no benefit at all."Also, Mr. Wu, do you have any capable candidates on hand? The staff and book office below will not sell your account.If something really happens in the future, you won't be able to cover it up, old man. The emperor and Princess Taikang have to be dragged into the water.

In the future, this salt ticket will be the Royal Bank, the small treasury of Emperor Zhengde.Parents are not as good as Qian Qin, and Zhengde is as poor as a lion, if he is allowed to taste the benefits of this bank, he will naturally know the taste and taste, and he can't stop.If something goes wrong, naturally he, a tall man, will bear it. I, Su Mu, just need to hide aside and count the money.

Su Mu doesn't do things that benefit others but doesn't benefit himself, and it's not easy to tell Wu Shiqi clearly, he just smiled and said, "Mr., it's better not to interfere with the bank's specific affairs."

"But why?" Mr. Wu was quite displeased.

"Gentlemen don't talk about profit, and this kind of business, it's better to leave it to businessmen. Otherwise, it will damage your reputation in the future."

"Yes, yes, gentlemen don't talk about profit, but I have forgotten it. Thank you, Su Mu, for reminding me. Otherwise, I would have made a big mistake." Mr. Wu is a standard Confucian scholar who cherishes his feathers, and hurriedly said: "This I'll leave it to you to handle the matter, I'm only responsible for issuing salt tickets, when the time comes you sell the salt tickets and put the money into the treasury, I don't care."

"Okay, it's settled." Su Mu heaved a sigh of relief, with a smile on his face.

With the guarantee of the Salt Division and the participation of the royal family, Su Mu could only feel the light of gold shining in front of him.

In the next day, Mr. Wu put down his burden and started the machine, recruiting a group of skilled craftsmen to start printing salt tickets.

At the beginning, the old man planned to use woodblocks, but under Su Mu's persuasion, he switched to leadblocks and used expensive paper.

After a busy night, the [-] salt tickets in advance were finally printed and bundled into several large bundles and piled up in Su Mu's study.

Seeing so many banknotes, Su Mu couldn't help laughing: "This old Mr. Wu is too impatient. He will issue 100 million taels of salt notes as soon as he comes. So many banknotes are thrown out at once, so many people have to come Just buy it!"

He took one out from the inside, and after only looking at it, Su Mu praised in his heart: "Not bad, not bad, but it smells like money from later generations."

This salt ticket was born out of the salt quotation of Changlu Salt Division.

A formal Yanyin is about [-] centimeters long and wide, with two big characters "License" written on it.On the right hand side of the license, there is printed the words "from the Sanpin Salt Transport Envoy's Transshipment Envoy Manager Lu Yanzheng X", this x is naturally the transfer envoy's surname.The word "Xing" in the lower left corner indicates that the license is approved, which is a bit like the emperor often wrote "agreed to do so" when reviewing memorials.

With this license, salt merchants can go to designated places to sell table salt.

According to the salt administration system of the Ming Dynasty, the Minister of the Ministry of Households and the transfer envoys of the salt transportation envoys in various places have the power to issue salt quotations.

Therefore, the salt ticket printed by Mr. Wu this time also used the format of the official salt quotation, probably because he wanted to play around.

In addition to his signature, it also stamped the great seal of the envoy.In order to prevent the position, complex lace is also printed, numbered with Arabic numerals, and printed with the letter "c" or "l".

Of course, this is not Su Mu's bad taste. He is the only person who knows English letters and Arabic numerals these days.The number of each banknote is different. Even if you want to forge it, you can easily identify it in the eyes of an expert.

Taking the salt ticket in his hand, Su Mu shook it subconsciously, but did not make a loud sound.This reminded him: "The next time you print salt tickets, you have to use special paper. You might as well add some linen or cotton cloth inside."

However, as far as the money in hand was concerned, Su Mu was still very satisfied.

He also sighed in his heart.

People say that in feudal society, salt and iron were the first-class government, and they had always been directly managed by the state.However, the power to issue salt tickets was delegated to the Minister of the Ministry of Households, and even the local transshipment envoys.Little did they know that Yanyin was equivalent to banknotes for later generations.This is simply handing over the minting rights to others, but it is cheaper for me, Su Mu, Taikang, and Zhengde.

The three of us are also going to be a financial oligarch this time.

As Su Mu said in his lecture to Master Wu earlier, currency itself has no value, only when it circulates and is recognized by the people is it considered money.

The most important thing at present is to sell these salt tickets, otherwise, it is just a pile of waste paper.

Su Mu sat at the desk and thought for a while. He was just an outsider and knew nothing about the business world in Cangzhou.Besides, his reputation doesn't seem to be very good now, especially after Taikang's plagiarism was exposed, he was also regarded as an accomplice of the female liar.Now no matter what he says, no one will believe it.

As for the salt merchants, after the scene that night, they had turned against him, Su Mu.Moreover, the matter of the salt ticket has directly touched their cake. When it is really released, it is estimated that they will become the public enemy of the salt merchants.

So, who should you find to subscribe?

Su Mu fell into deep thought: the richest people in the Cangzhou area, and even in the whole of Hebei, are undoubtedly salt merchants, and they should be regarded as merchants who walk on the Grand Canal.But these people themselves said that they couldn't move, so they could only settle for the next best thing and find middle-class wealthy businessmen.A middle-class rich merchant, aside from the freaks like the salt merchant, under normal circumstances, should have a family property of about 10 taels.Further down is the merchants, and those below 1 taels can only be regarded as the middle class.

The problem is, I don't recognize even a few middle class people.

"By the way, isn't Yan Xiao rich?" Su Mu suddenly thought of Zong Zhen, and his eyes lit up.

Zong Zhen was a real salt owl, but he didn't have much money on hand.But he knew a lot of people, all of whom were salt dealers. Since the salt merchants had a lot of money, the salt owls should also be rich.

"Go, find him."

Su Mu's eyes lit up, and he immediately called a waiter from the inn, carried the [-] salt tickets on his back, and walked towards Zong Zhen's house.

With so many salt tickets in the inn, Su Mu was not at ease, and it would be better to put them in the old sect's place. After all, he was considered a generation of heroes, with super fighting power, and ordinary thieves would not dare to come to the door.

After a long walk, they finally arrived at Zong Zhen's house. Looking at the yard of his house, Su Mu nodded: the place is quite big, and it can be used as a bank's business place if you spend some money to renovate it.Moreover, this place is located in the downtown area, facing the street, opposite to a crossroad, a treasured place of geomantic omen!

Just arrived at the door, before Su Mu knocked on the door, a woman's roar came from inside: "Zong, what are you doing at home all day long, think about it, the seven members of our family opened their eyes If you want to eat, is it possible that you are really going to starve to death?"

Su Mudao was startled by the roar of the Hedong lion, if he guessed correctly, this should be Zongzhen's wife.

I had heard that Zongzhen's wife had a violent personality, but when I saw her today, it was indeed so.

Zong Zhen's voice came out weakly: "Lady, you said this. We are also relatives of Mr. Wu after all. If we go to do that kind of business without capital and spread it, I'm afraid it will discredit Mr. Wu. In the future My sister is ashamed to marry into the Wu family."

"No face, no face, do you still know face? The elder said that when the national mourning period expires next year, I will pick up my younger sister. At that time, how much dowry can your surname Zong give. At that time, you will be penniless, I really want to lose my lord!" Mrs. Zongzhen's voice became bitter and mean: "Could it be possible that you really want to borrow it from your brother who writes Jianghu. Hehe, people will give you a thumbs up when they mention you as a high official. , but who would have known that your family has been eating congee for half a month, Zong Daxia, and it really is very healthy!"

Then, there was Xiaomei Zong's low cry: "Brother, sister-in-law, stop arguing, I won't marry, I won't marry!"