Chastity Layman

  Chapter 322 Drain from the bottom

  In the autumn wind, on the Pingkangfang Grand Polo Stadium, the Royal Salu Purple Team and the Pingkangfang Qinjia Huleibao Team had a wonderful duel.

  The emperor and the queen prince also came to the stadium in person to cheer for their team. The stadium was already full, and countless people bet on the horse lottery.

  In the emperor's box, Qin Lang was talking with the emperor.

   "Several new bookstores have opened in Chang'an City recently." Li Shimin said while eating the fruit.

   "Well, quite a few bookstores have been opened. This is a good thing, a grand event for culture!" Qin Lang replied while peeling pears for Li Zhi.

After Fang Xuanling talked with Qin Lang, although the Lu family was very unhappy, it was rare for Fang Xuanling to be tough in front of his wife, so the Lu family finally vomited three thousand strings, and Cheng Chumo also talked to Wu Ling. , Liu Shuyi and the others greeted each other, so the prison also released them, and the Zhifang began to supply bamboo paper to Lu's family, and even ink was opened to them.

  The two sides did not procrastinate, and immediately turned hostility into friendship.

  Tianyi Bookstore was soon refurbished and reopened. They even purchased thousands of volumes of the Three-Character Classic and Thousand-Character Classic Taibai Poetry Collection from the Qin family.

  Changan people like to watch the excitement.

   This excitement was thought to last for a long time, but who knew it would end so soon. Many people said that this was because the Lu family had admitted their cowardice, and some said that it was Fang Xuanling who came forward and Qin Lang gave face. But no matter what, since it was rumored that the Lu family spent 3,000 guan to reopen the bookstore on this day, it is natural that the Shandong generals defeated Fan Yang and the Lu family.

  This result can be said to be very surprising.

  I thought that Fan Yang Lu, who was the prime minister, would make the Shandong generals suffer a lot. Who knew that the Shandong people would have the best laugh.

   Ever since, the Shandong general became famous.

Taking advantage of this popularity, Qin Lang took the initiative to find the Cui family of Boling first. Cui Dunli heard that Qin Lang was willing to transfer bamboo paper ink engraving printing technology to them according to the conditions given to the Lu family, and was also willing to release the supply of paper to them. Mo and others, Cui Dunli was very happy.

  He knew very well how much the Lu family had stumbled this time.

  Bo Lingcui and Fan Yang Lu are the two families who have been married the longest. Previously, because of his relationship with the Qin family, especially the help from the Qin family and his son, he held back and did not make a move.

   Now that Qin Lang is willing to transfer technology at this time, he is still very happy.

  Stealing technology by yourself is to fight against each other, and if you pay some money, it is a friendly cooperation. With the current momentum of the Qin family, the Cui family is not willing to make extra troubles.

  So Cui Dunli also paid 3,000 guan, and got a full set of technology from Qin Lang, and Qin Lang also gave a technical training as a gift.

  Boling Cui’s family soon opened a new bookstore in Chang’an, Yueweitang, which also focuses on engraved and printed books.

  Next, Qin Lang went to the Zheng family in Xingyang, Lao Cheng came forward to make an appointment with the Cui family in Qinghe, and discussed cooperation with the Wang family in Taiyuan through Cui Dunli.

  Zhang Liang came forward to find Mr. Li of Zhaojun.

  Zheng, Cui, Wang, Li and other wealthy families did not refuse Qin Lang's initiative to offer an olive branch, and they were willing to buy an admission ticket for three thousand coins.

Immediately afterward, Qin Lang also talked with the Lanling Xiao family, Hedong Pei family, Hongnong Yang family and other famous noble families. These also occupy important seats in the paper and ink book market. The Lanling Xiao family only bought woodblock printing technology, Hongnong Yang also bought ink technology.

  Anyway, some people think that there are many paper mills with bamboo paper production technology, so they buy paper directly from them, and don't plan to make this paper themselves.

  For example, Lanling Xiao’s family also makes paper, but what they make is some high-end paper, and any piece of paper can be worth hundreds of thousands of dollars, so they don’t bother to intervene in cheap bamboo paper.

   Even they didn't even have much idea about engraving and printing, but everyone has it, so let's pay a little money.

   Overnight.

  The engraving and printing technique is rotten on the street, and was popularized by Qin Lang.

   Even the production technology of bamboo paper and ink is now mastered by dozens of companies.

   Originally, the Lu family felt that they had suffered a dull loss. Who knew that after the three thousand pens were spent, the technology was rotten.

  Mr. Lu was very annoyed. He spent the most money back and forth, but in the end he received a lot of slaps and didn't get much benefit.

   This anger.

   But what if things have come to this?

As for Shandong Jiangmen, this business was originally led by Qin Lang. Although everyone invested some money, but now just the technology transfer fee is recovered and dividends are paid, they have already recovered their capital and made a lot of money, not to mention theirs. The paper workshop and the ink workshop were built early and have already taken the lead. And everyone is in a group mode. Jixian Library has expanded into more than 300 franchise stores, with one store in every state, and even some large counties have begun to open new stores.

  The Jixian Library is backed by the East Palace, and now it has the big order of the Nine Classics and Justice. It is extremely busy to rush to print day and night. Although other companies have also acquired technology, they cannot catch up with the momentum of the Jixian Library.

  Of course, they have this new technology, so it is not a loss, Lu Jiayin Analects, and then print the Book of Changes. The Zheng family printed the Tao Te Ching, and the Taiyuan Wang family printed the Historical Records...

  For a while, a hundred flowers bloomed, and bookstores contended.

  The price of books has also plummeted, a tenfold drop, and even the prices of bamboo paper and other paper have also plummeted. Naturally, the readers in the world will benefit the most.

  Even the imperial court took advantage of it. The daily consumption of paper and ink by the imperial court and government offices in various places is also huge. Now that the price has dropped sharply, their expenses have also dropped significantly.

   Li Shimin is of course happy to see the results.

   In the end, all these good names fell on the crown prince Chengqian.

  Now when Li Shimin asks Qin Lang Bookstore, he actually wants to ask him, with so many bookstores popping up all of a sudden, and the prices falling so sharply, can Jixian Bookstore still make money? After all, this is also one of the properties of the Eastern Palace.

  Qin Lang's answer is that the business is booming and the profits are good.

   Jixian Library has even begun to pay a lot of taxes to the imperial court.

   In the past, books were copying books, with high prices and small quantities, so in general, they did not make more money than they do now. Although the single copy is sold cheaply, the cost is low and the profit is not high. This involves not only the issue of quantity, but also the issue of profit margin.

  Even though the books in Jixian Library are priced at almost a penny per page, in fact they can still make a half-and-half profit, which is actually much higher than before.

In addition, in addition to selling books, Qin Lang is also engaged in book rental business. There are more than 200 Jixian libraries in the country, both selling books and renting books. One penny a day may not seem like a lot of rent, but if this book is really discussed, the profit from renting it is actually higher than selling it.

  Books like the Nine Classics and Justice can be rented out repeatedly, and the circulation is fast. Even if you rent out half of the time in a year, you can still earn nearly 200 yuan, which is equivalent to four times the sales.

  The business of traditional bookstores has not collapsed as expected, because engraving and printing books also have some restrictions. Large-volume book engraving is cost-effective, but for some small-volume books, it is actually suitable for hand-copying, and the cost is actually lower.

  Of course, some collectors are more willing to collect manuscripts, especially manuscripts of famous calligraphers, which are not only books, but not calligraphy works of art.

  Books with good paper, ink and calligraphy are of course more valuable for collection.

However, the market for handwritten books has also been affected. The most important thing is that cheap bamboo paper has appeared in the market, so many people choose bamboo paper to copy books, and many ink shops have been added to the market, and the supply has increased. Naturally, the price also began to decline, so the labor cost of handwritten books has not changed, but after the cost of materials has dropped sharply, handwritten books have also begun to drop.

  Li Shimin looked at Qin Lang.

  He admires this kid more and more now, and he always surprises people in everything he does.

Polo was originally just a pastime for aristocratic families. As a result, Qin Lang created a Chang'an Polo League, a three-level competition such as the Super League and the First Division and the Second Division, and even a Chang'an Polo League. Student Polo League. Organize various teams to play games, attract businessmen to advertise, sponsor or even name titles, and sell tickets and bets here.

  The people of Chang'an have enriched their entertainment life, the nobles have also expanded their influence, and even made money by raising a football team, and the court has received a good tax, which seems to be the result of everyone's good.

  Qin Lang asked the imperial court to set up Kaiyuan Bank, and the people saved money without paying the custody fee and there was interest. As a result, he changed hands and used the money for lending. The interest rate was much lower than the original market, but he could make a lot of money.

  Qin Lang wanted the court to transfer the Kaiyuan Bank to the East Palace, but when Li Shimin refused, Qin Lang went to set up a Jiade **** instead. Compared with the quality warehouses and pawnshops that already existed in the Southern and Northern Dynasties, this Guardian Pawnshop is essentially a pawnshop, but they have large capital, long redemption period, low interest, accept movable or real estate mortgages, and even after evaluation, if they have good credit , can also be used as credit mortgage, in fact, it is operating a lending business.

  Donggong Jiade pawnshop is flexible in operation, which can be regarded as a supplement to Kaiyuan Bank. The key point is that it is not solely owned by Donggong. It is Qin Lang's investment partnership with many Shandong generals. Compared with Kaiyuan Bank's high threshold for borrowing, Guardian Pawn obviously has no threshold, and even poor people can use old clothes as a few money for emergency use.

Guardian Pawn is a profitable business, but after Li Shimin sent people to investigate carefully, they found that it was not just a profitable business. It is quickly suppressing the originally extremely high interest rates on private loans.

Because the interest rates of Kaiyuan Bank and Guardian Pawn are much lower than the original ones, many merchants and ordinary people have turned to borrow money from them, and private usury has been hit hard. Nowadays, usury on the market has even generally lowered a lot of interest .

In particular, the credit loan launched by Jiade Pawnshop can be granted a credit line through credit assessment. People can apply for a "white note", repay monthly, or even in installments. This kind of white note is essentially an unsecured credit loan, but there are other A great feature is that this white note can be used as a money sticker in all Guardian pawns. You can withdraw as much as you need at the counter, and then all the withdrawals will be credited to the monthly bill to calculate interest. The unused amount will not calculate interest, which is very convenient. free.

Guardian Pawnshop has even opened up with the merchants in Pingkangfang, allowing customers to use the "pawn money" issued by Guardian Pawnshop, which is similar to a paper bill of Feiqian, but there is an amount, and it is an anonymous check. exchanged.

   This is already ahead of Kaiyuan Bank.

   "I plan to let Neifang also open a **** shop and issue **** money, how about it?" Li Shimin finally showed his fox tail.

  Qin Lang said with a smile, "Of course, I can ask Jiade Pawnshop to send people to assist Neifang in opening pawnshops and provide technical guidance. If banks and pawnshops operate normally, more openings will be good for business and finance."

   "Your Majesty, can the East Palace also open a bank?"

   "Donggong Rakai Bank, is it like Jiade Pawnshop, with many owners behind it?"

  Qin Lang nodded, "Partnerships have large capital, which is more advantageous than sole proprietorship, and the ability to resist risks is stronger."

  Li Shimin chuckled, as I had expected.

"You know how to use the banner of the Eastern Palace!" The emperor obviously had some complaints about Qin Lang Xianming using the banner of the Eastern Palace to set up a bookstore, a bookstore, and a **** shop at the Shandong Jiangmen. Now he wants to bargain with the emperor Li Shimin also intervened in the operation of the bank business, but Li Shimin obviously did not immediately agree.

   "Neifang has not set up a bank yet!" said the emperor.

   "Then let's do it, open a few more banks, as long as they can be supervised in place, there are only advantages and no disadvantages." Qin Lang immediately said.

  (end of this chapter)