Good son-in-law of the Ming Dynasty

A myth, a myth of wealth, wanders in the city of Cangzhou.

Previously, Su Mu deliberately asked Zongzhen to release the news about Xiao Xiucai's fortune. At the beginning, the people in Cangzhou were skeptical.But after Wang Lichang, He Zhishu and others' personal statements, the common people believed it completely. After all, the real money they earned could not be faked.

Similarly, more than 100 people who bought salt tickets from Cangzhou Development Bank that day each received 30 taels of profit.So many people earn what ordinary people need a year to earn in just one day. How can such a wealth opportunity make people jealous.

So, early the next morning, Zongzhen and the others were still sleeping at home when they were awakened by the noise outside the door. When they opened the door, they saw that the street outside was already full of customers carrying packages.Seeing the shopkeeper, they all shouted in unison: "Hero Zong, we want to buy tickets!"

Judging by the number of people, it was more than yesterday.

I have been busy all day, and I have almost no time to eat. In the evening, when I counted, I sold another 3 sheets, and [-] taels of cash were credited to the account.

Seeing the silver coming in like flowing water, Princess Taikang's eyes were bent with a smile, and she said repeatedly: "Su Mu, the emperor brother said that you are an expert in financial management. The hall didn't take it seriously before, thinking that you can only write a few good poems He’s a genius. But he doesn’t want to, he’s really a practical expert who can even come up with such a method. Let’s calculate how much profit our bank can make today.”

Su Mu said lightly: "Now is just the beginning, it's too early! When it comes to making money, the first pot of gold is always exciting. After that, it will be numb, and it's just a numbers game. It's a pity that you are a woman, otherwise , with your status and talent, you may not be able to control the economic lifeline of the entire Ming Dynasty in the future."

He also felt a pity in his heart. To be honest, the other side of Princess Taikang Wenqing was a rare business talent.Many modern economic and financial theories, Su Mu only said once, and Princess Taikang could quickly understand them and draw inferences from one instance.

In fact, even Sumu can be half-understood sometimes.

Taikang gave a rare soft smile, seemed a bit shy, and said softly, "Don't praise him like that, I'm so sorry."

Seeing the distress on Su Mu's face, Princess Taikang's voice was even more tiresome: "Whoever said that women can't do business, as long as the queen mother and the emperor's brother are willing, we will continue to do this business for the rest of our lives. Changlu's salt ticket If you want to distribute it, in the future Lianghuai salt and Zhejiang-Fujian salt can also be produced! Sumu, think about it, if all the salt in the world uses the same salt ticket, what kind of situation will it be?"

Just like selling lottery tickets in later generations, the bank's current income mainly comes from sales commissions. As for the interest on lending and seigniorage, it is not to mention.

However, such a hot business, after careful calculation, is also a lot of money.And this is just the beginning, and thinking about the bright prospects of the future is very exciting.

Su Mu took a breath, this Taikang ambition is really not small!

In the next two days, under the stimulation of high and stable profits, the sales of salt tickets of the Development Bank remained unabated, and the number showed a linear upward trend.

1 taels; on the second day, 3 taels; on the third day, it was a bit weaker, and only 260 copies were sold.

But on the fourth day, there was an explosive increase, and 6 salt tickets were sold in one go, and the [-] taels of cash took three taels of carriages to be sent to the Yansi Bank.

Looking at this trend, the salt ticket has been completely recognized by Cangzhou people.

In the past few days, Su Mu went to teahouses and restaurants to investigate the market conditions, and the news he got was exciting.At the beginning, he discussed with Mr. Wu to set a denomination of 100 taels in order to prevent a run.But such a high entry threshold still can't stop the enthusiasm of the citizens to make a fortune. 100 taels of silver is indeed somewhat difficult for ordinary people, but the ancients were all big families, and it is still possible for a family to get 100 taels of silver.

Basically, a family of one surname took out all the spare money on hand to buy tickets for salt, and then sold them for profit.After selling salt, the money will be distributed according to the amount of equity contributed by each family under the auspices of the patriarch.

Up to now, almost the entire middle and lower classes in Cangzhou have been caught up in this wealth storm.At the same time, one after another absurd stories of getting rich were also spread in Cangzhou City.Xiao Xiucai will not talk about it, he is the first person to discover the loopholes in the salt ticket, and the first person to eat crabs, so he should make a lot of money.There are many more mysterious stories than Xiao Xiucai. For example, someone took out 100 taels of silver and worked for three days at a stretch, and then turned over the assets in hand for a lifetime; an old lady sold her coffin , She threw out her old face again, asked her relatives to borrow money, and finally raised 1000 taels of silver. In just three days, she changed from a poor old woman to a rich man, spent her old age happily, and lived a happy life ever since.

With the example of the old woman, there were signs of a money shortage in Cangzhou City overnight, and it was not so easy to borrow money.The reason is very simple, if I have money, I will buy salt tickets to make a fortune, who would be foolish enough to lend it to you?

As for usury, it is even more difficult to borrow. In fact, the interest of usury is really not as good as buying salt.

However, this incident made Princess Taikang see business opportunities, and Cangzhou Development Bank developed a new business: loans.

Interest, compared to usury, is much gentler, 100% per month.In other words, if you borrow 110 taels of silver and only pay it back within a month, you have to pay back [-] taels of silver.

Of course, real estate, shops and land have to be used as collateral.

As soon as this loan project came out, ordinary people who suffered from no cash naturally flocked to it.On the seventh day, the Development Bank released a loan of 20 taels in one go.

Compared with the commission for underwriting salt tickets, this is the profit that really belongs to Emperor Zhengde, Princess Taikang and Su Mu.

For this amount alone, Princess Taikang calculated that it would bring 6 taels of income to the bank in a month.Each of the three major shareholders has more than 1 taels of silver in the account.

Looking at the large pile of contracts in hand, Princess Taikang looked at Su Mu with even more strange eyes, and said with a smile: "This business is really delicious!"

Su Mu nodded: "Salt tickets are just a kind of currency, and there is no point of profit growth at present. After all, it is a long-term behavior, with a time unit of years or even ten or twenty years. But the loan interest is real. What a bank is supposed to do is to make loans. What we are doing now is just to establish the credit of Cangzhou Development Bank. Don’t underestimate Cangzhou Private Deposit Bank, the real big players haven’t moved yet!”

Princess Taikang nodded again and again. As the CEO of the bank for a while, she was in charge of all daily affairs. She lost a lot of weight and her eyes became bigger.

Fortunately, another day later, all the clerks and accountants hired by Boss Lin for Su Mu came to Cangzhou, which allowed Princess Taikang to finally breathe a sigh of relief.