In the warm cabinet, the incense burner emits heat and fragrance. The incense medicine burned in the stove is sandalwood, which is fragrant and fragrant, making people feel refreshed. Emperor Yuwen Gankeng sat not far from the incense burner at this time, and learned from his sister, Princess Princess Rixingchang Cabinet inside the profit story.

Yuwen Gankeng was not very clear about how Rixingchang Guifang achieved profitability, but after he learned that King Xiyang wanted to issue Qingmiao loans in various parts of Henan, he actually had a worry in his heart: Could it be that Rixingchang Guifang is strong and rich enough to rival a country? What if the King Xiyang...

Even though Yuwen Gankeng trusts Yuwen Wen very much, if a royal family vassal king who holds strong soldiers and is brave and good at fighting still has wealth that is as rich as a country, it means a serious threat to the imperial power.

He didn't dare to think deeply, but he was uneasy. Now that he listened to the introduction of Princess Qianjin, he had a rough understanding of the profit method of Rixingchang Guifang.

Rixingchang Cabinet is an industry that King Xiyang vigorously supports. It uses interest payment as a sweet spot, absorbs idle money and grain from the people, and then uses it to lend, mainly to workshop owners who set up industries or expand the scale of the industry. Because Huangzhou's industry is booming, workshop owners can basically make profits.

Profitable workshop owners have the ability to repay the principal loaned to them by the counter shop and pay interest at the same time. After Nikkei recovers the principal and profits, they can make a profit and cash out a part of the profits to depositors or investors.

This is the basic profit method of Rixingchang Guest House. Before, Rixingchang Guest House had tried Qingmiao Loan, and the effect was good. So Xiyang King had the confidence to implement Qingmiao Loan in Henan.

However, it takes a huge capital to issue a Qingmiao loan in Henan. Rixingchang Guifang does not have that strong financial resources, so he turned his attention to the big households in Jingxiang, Shannan, and promised a return rate of two cents to absorb funds (money and grain) from large and small investors.

Therefore, Rixingchang Guifang is actually just the handler of this huge amount of funds.

Hearing this, Yuwen Gankeng's uneasiness disappeared because he finally knew that Rixingchang Guifang's financial resources were not as rich as a country, and he needed to absorb idle money and grain from the people to issue Qingmiao loans in various parts of Henan.

Most of the main "customers" of Rixingchang Cabinet are scattered in Huangzhou and surrounding prefectures. In the farther prefectures, Rixingchang needs to rely on local cabinets to achieve "financing".

Therefore, if it were not for the large and small cabinets that have emerged in recent years in Shannan, Rixingchang would not be able to absorb so much funds. The reason why he can grasp such a huge amount of funds now is actually the result of "gathering his armpits into a fur".

Yuwen Gankeng felt that the example given by his sister was very appropriate. On the day of the day, Xingchang Guifang was just a "shopkeeper", and used the money handed over by the big and small bosses to make profits and make some profits from it.

Rather than saying that the King of Xiyang relied on Rixingchang to promote Qingmiao Loan in Henan, it was better to say that it was because Rixingchang raised idle money and grain from all over the south of Jingxiang in Shannan to have the principal to release Qingmiao Loan in Henan.

Without the help of large and small cabinet shops in various places, Rixingchang would be the clever woman in "a cook without rice" and would not have been a treasure pot of wealth out of thin air.

However, the interest rate of Qingmiao loans issued by Rixing Changguifang in various parts of Henan is very low. So how to make up for the huge profit gap caused by low interest rates?

Yuwen Gankeng was very interested in this question and couldn't figure it out, so he was eager to know the answer, and the daughter of the daughter happened to know the answer.

As a "prestigious customer" of Nixingchang Guest House, the daughter of the princess has a brochure sent by Nixingchang, which lists a series of "financial management projects" and detailed instructions recently launched by Nixingchang Guest House.

There are many contents in the brochure, and in addition to Qingmiaodai, there are several other "financial management projects".

Rixingchang will definitely not be able to recover the capital through Qingmiao Loan, let alone cash in profits, so it depends on these "financial management projects" to make profits and fill the profit gap of Qingmiao Loan.

For example, it is sold from Zhongyuan Bing to Lingbiao for sale.

Yuwen Gankeng looked at the explanation of this "financial project". The content was very detailed. After reading it for a while, he found it very interesting.

In the Central Plains, ice is stored in the ice cellar in winter, and ice is taken out in summer to cool off the heat. This is a natural thing for many people, but it is a strange thing for the hot weather Ridge.

Because it will not snow in most areas of the ridge surface in winter, it means that ice is an extremely rare thing on the ridge surface. As the saying goes, things are rare and expensive. It is indeed profitable to sell ice from the Central Plains to the ridge surface for sale.

But the premise is to sell ice on the sea, otherwise you will definitely lose money by selling ice on the land.

Rixingchang was able to come up with such a "financial management project" that made money. Of course, it was because the official army recovered Huaibei and had a harbor near Huaikou that sea transportation became possible. The King of Xiyang saw the scale of sea ships gathered near Huaikou and dared to plan such a transaction.

However, the risk of shipping is very high. According to King Xiyang, the sailors in Huaibei have to say goodbye to their families before going to sea. It can be seen that the risk of sailing is so great. Even if the coastal routes heading south are already very mature, the probability of shipwrecks being shipwrecked is no less than 30%.

That is, every three sea boats go out to sea, and one is likely to be less when they come back.

Therefore, shipping is very dangerous and requires a lot of money to hire sea ships to transport ice south. However, even so, selling ice to the ridge table still has considerable profits, so Rixingchang promises to give investors a 5% return.

Because there is ice in winter and transportation must be completed in spring, the "financial management cycle" of this "financial management project" is about half a year, which means that "investors" invest their principal in the end of autumn, and they can realize their principal and profit at the end of spring of the following year.

This time period is very suitable because it happened to be after the autumn harvest, and the big households had free money and food. Anyway, it was useless except mold in the cellar. If you take out a part of it to "invest", it would be basically a stable profitable transaction, which is very affordable.

So Yuwen Gankeng thought that when his sister "invested" to sell ice, the 100,000 guan of principal invested (mostly physical goods, the price of a copper coin) would be 120,000 guan when it was collected (the actual goods were discounted).

Because the daughter princess is a "prestigious customer", the ice selling project of Rixingchang will give the daughter princess two points.

As for selling seafood to Jiankang...

Yuwen Gankeng felt that Chen State is now considered a friendly country, so selling seafood from Rixing Changguifang to Jiankang is not considered a foe or a foe.

The seafood such as phlegm (abalone) harvested by fishermen in the coastal areas of Huaibei, and then sold it in large quantities to Jiankang for sale. The profit is considerable because for the powerful and wealthy families in Jiankang, the seafood from Qing and Xuyanhai are of high quality.

Therefore, the "financial management project" of selling seafood, the princess of a daughter also invested 100,000 guan (most of which are physical items, which is the price of a copper coin). When it is collected next fall, it will be 120,000 guan (the physical items are discounted).

If these physical objects are placed in the palace, they will only accumulate dust and invest for investment and make steady profits. There is basically no risk, because once the promise period of Rixingchang arrives, the principal and profit will be fulfilled.

Although it is not as good as the huge profits of four-point profits, five-point profits or even doubled, such a way of making profits is worthy of conscience.

Thinking of this, Yuwen Gankeng was a little angry: "I don't understand that those wealthy families don't have to worry about food and clothing. Their income is land under their names. It's not impossible to lend money, but what's the interest rate so high?"

Princess Qianjin explained: "Your Majesty, the family is big and the business is big and the expenses are big. Besides, no one will think that the money is too much, right? Also, as the King of Xiyang said, some people use usury, but their motivation is no longer to make profits, but to take the opportunity to embezzle the borrower's land or wife and daughter."

"They occupied the land and did not pay rent and transfer. This is digging the foundation of the court! Really... Is there no way to deal with these people?" Yuwen Gankeng became more and more angry, but he was helpless because his sister said that it is very common for the powerful to issue loans to usury.

Even the Zhao royal family in those days also used usury.

When he first heard this "shocking inside story", Yuwen Gankeng was stunned. He did not expect that the kind-hearted emperor would do such a thing. He was young and lived a life of luxury in the Zhao Palace, so he didn't know what those adults knew.

However, the Qianjin Princess then added that if the farmers who borrowed loans could not pay back, the late emperor would not make things difficult for the other party, and even burned some loan contracts in public from time to time to calm people's hearts.

The "Last Emperor" mentioned by the sister and brothers of course refers to Yuwen Zhao. Since Yuwen Gankeng became the emperor, he naturally had to posthumously confer his father Yuwen Zhao as emperor.

Yuwen Gankeng was quite proud of his father's graciousness to the people from the beginning because his father was different from those powerful and wealthy people who gave usury and had a conscience.

After closing the booklet, Yuwen Gankeng made up his mind. He decided to let the King of Xiyang go to work hard in Henan, using low-interest Qingmiao Loans to fight against the powerful and wealthy people from all over the country who were lending usury.

If the battle wins, not only Rixingchang Guifang but also the investors behind it, the court can also make profits, but also make more profits, because a large number of farmers are protected from usury, their land is preserved and they can pay rent to the court.

If the Dou loses... Yuwen Gankeng doesn't think that the King of Xiyang will lose, he is confident about it.

What King Xiyang wants to implement is a good thing that benefits the country and the people. Of course, Yuwen Gankeng needs to support it. This time, he made his own decision and was not influenced by any ministers.

Princess Qianjin was relieved when she saw her younger brother making up her mind. This time, the King of Xiyang was going to promote Qingmiao Loan in various parts of Henan. Such a major event was not operated through King Qi, but asked her directly.

King Qi must have known the inside story of this matter, but to this day, he has never expressed any clear opinions on this matter, and he looks like he is doing his job.

It can be said that if the King of Xiyang can implement Qingmiao Loan in Henan this time and is successful, both inside and outside the court and the country will think that this is the emperor's good governance and will bring blessings to the people of Henan.

If the Qingmiao Loan is successful, it will help increase the emperor's reputation.

Such a good thing that can kill multiple goals in one go, the daughter of the daughter must support it, let alone since Yuwen Wen came to her to burn incense and make a wish, then her Buddha statue must be "appeared".

Of course, the princess of Qianjin knows the importance of the matter. If what Yuwen Wen asked is really inappropriate, she will naturally consider it. The other party sent a thick stack of information to tell in detail how to lend money in Henan and how to make a profit. She is obviously well prepared and confident.

Since the King of Xiyang is sure and doing a great thing that is beneficial to the country and the people, she dares to be entrusted by him.

As she thought about it, Princess Qianjin thought about the current situation again. The main force of the official army was about to cross the river and march into Yecheng, and then wipe out the rebels and peace in the world.

Next, if...

Princess Qianjin dared not continue thinking because she didn't want to face the cruel reality that might appear. However, it was useless to just avoid it, so she always had to think of ways to solve the problem.

She is a "noble customer" of Rixingchang Guifang, and the "Buddha statue" that King Xiyang burned incense and made a wish, but wasn't the other party her "noble customer"?

Yuwen Gankeng looked at the booklet with fun, and the daughter-in-law looked at her younger brother, feeling a little lost.

The King of Xiyang saved the emperor twice and saved her twice. In the future, what if...
Chapter completed!