I am the king of the dead

Page 186

How is profit measured?

He found some answers.

Yu Qian sat up straight, and said to the officials: "The interest rate of green rice money is extremely high, but for the common people, it is seven in and thirteen out, and the interest rate exceeds [-]%. Because it is when Huang Qing does not accept it, Those who specifically entrap the people."

"This kind of behavior of seeking people's fat and people's anointing should be resolutely cracked down and never held back."

Since His Majesty explained that labor is the only criterion for measuring value last time, everyone has a clear understanding of how many people there are, whether the people can become small, and whether the people have the spare energy to labor and produce value.

Cracking down on search and exploitation has also become a consensus.

After the salt and iron conference on labor remuneration, the ministers finally knew what standards should be used to formulate labor remuneration. Even if it is a powerful family, when the country is advancing, they are advancing, and when the country is retreating, they will be faster. back.

Are there any eggs in the nest?

Therefore, Yu Qian suggested to give a heavy blow to Qingdaoqian with such a high interest rate.

To put it more harshly, the common people are the wealth of the imperial court.

As for the guys who put their hands into the court's crotch and fumbled, it's time to chop off their paws and cut people up.

Yu Qian continued: "There is also a kind of money called yellow rice money. This kind of money is not for exploitation, nor for borrowing when Huang Qing doesn't pick it up, but for mobilizing the money buried in the pigsty and lending it out. Take it back."

"This part of the rice money, for the borrower, is ten in and eleven out, about [-]% of the interest."

After Yu Qian finished speaking, he took a short rest.

And Wang Wen added: "Actually, there are a lot of this kind of rice money among the people. For example, a craftsman has finally become a teacher. If he wants to open his own workshop, he needs to borrow rice money. , go back."

"Not only craftsmen, but also apprentices such as meat shops, palace powder, ready-made clothes, jade, jewelry, silk, paper, seafood, fresh fish, and study rooms."

Zhu Qiyu didn't speak immediately, but asked the ministers to digest the current business situation of Daming, because they were high in the temple, they actually didn't know much about the trivial matters.

Abandoning the basics and chasing the last, the original is agriculture, and the end is business. In the circle of scholar-bureaucrats, they don't know much about business.

Wang Zhi sighed and said: "Actually, the interest of the yellow rice money is quite a lot. It will take at least three to five years to pay back the cost of opening a clothing store. The half of the interest is also overwhelming. .”

Wang Zhi was born in the Langya Wang family, now it is not what it used to be, the current Langya Wang family no longer has the glory of the Wei and Jin Dynasties, and they are also doing business, more business.

He naturally has a little understanding of these things.

Zhu Qiyu took a deep breath and said: "I think that the release of green rice money should be resolutely cracked down. They are digging at the foundation of Ming Dynasty."

"However, the yellow rice money cannot be banned. Once we prohibit the existence of the interest of the yellow rice money by law, the common people will suffer greatly from the green rice money."

"Zero interest money and yellow rice money will no longer exist at all. Instead, it will give young crop money room to grow wantonly, which is not good for the people and bad for the country."

"Yuan Yikuan lost the world, without rules, he would not have a radius, just like the land without people's labor will eventually become a wasteland."

"So how should we define green rice money and yellow rice money? Is the [-]% interest rate of yellow rice money reasonable?"

Wang Zhi first shook his head and said: "It's unreasonable. Because of the [-]% profit, many of them couldn't recover the cost in the end, and finally closed down."

Yu Qian nodded and said: "One and a half percent is really too high. Borrowing yellow rice money is still not enough to make ends meet, so it is better than green rice money."

"Every year after the autumn harvest, the common people go to the city to sue and file lawsuits. The local officials don't know what standard to judge and punish. So how should we define green rice money and yellow rice money?"

Wang Wen said with even more conviction: "I think that once the limit becomes reasonable, the common people who can't afford to pay more than [-]% of the interest will run away, and the powerful family who gave the money will not be able to get it back."

"If it's below [-]%, no one is willing to release money anymore, and the green rice money will be rampant."

"But as time goes by, the interest should be gradually reduced to about half, which is a reasonable range."

Zhu Qiyu nodded approvingly. When Henry VIII of the Tudor Dynasty set the loan interest rate, it was only 10%, but his policy was also ruined.

At the time of the zealous Edward VI, Edward was so zealous that any interest was strictly forbidden.

Zero interest directly led to rampant usury.

It was not until the 13th year of Elizabeth I that the 10% interest rate was restored, and then it was reduced year after year. Finally, after 60 years, the interest rate was finally stabilized at 5%.

Wang Wen is a very capable official, and financial affairs are not complicated. Wang Wen participated in all the salt and iron meetings. During the discussion, he immediately came up with a standard of measurement, and he was also thinking about it.

Zhu Qiyu took a deep breath and said: "The amount of interest reflects the profit of investment and return, so gentlemen!"

"Guess, in the vicinity of Jining, the old army stationed in Hongwu and Yongle years, in Hetao, just for grazing, how much is the interest?"

2 Chapter Fifty

"Twenty percent?" Lin Xiu asked after thinking about it seriously.

Wang Wen has experienced countless years of censorship in the local area. He came up with an interest rate of [-]% to determine a range. within the profit margin.

You should know that borrowing has the same risk as operating, and you will face the risk that the loan cannot be recovered. Under the general profit rate, which is [-]%, after the investment, you will face certain risks, but there will still be a balance. .

Under Lin Xiu's serious calculations, he thinks that the interest rate of [-]% is double that of ordinary rice, which is already an extremely high standard.

Zhu Qiyu shook his head and said, "According to what Wuqing Marquis Shi Heng did in Datong, at least [-]%."

"Fifth...fifty percent?" Duzhi envoy Wang Hu asked dully.

This number really exceeded his expectations, and the return on interest was too high.

Zhu Qiyu nodded and said: "Xue Xuan, the magistrate of Datong, Guo Deng, the commander-in-chief of Datong, and our Marquis Shi of Wuqing, have been going from Dongshengwei to Hetao for a long time to fight the autumn wind."

"To build a ranch, the labor remuneration of the horseman and the input of land rent are the cubs of the ranch, natural disasters including disease, white hair wind and other risk losses, and Shi Zongbing's high taxes, etc. After all deductions, the interest is within five into about."

"Of course, they must have the ability to protect their property, so they also need Marquis Shiheng of Wuqing."

"Since Zongbing Shi arrived in the capital, the mixed people in Hetao all miss our Marquis Wuqing."

"Although he collects taxes, he doesn't want human life. He only needs to pay a certain amount of high taxes to keep his livestock and prevent them from being robbed."

"Even the Wala people can say it, Shi Zongbing, a great benevolent man."

When Shi Heng was in Dongshengwei back then, why did he collect taxes so softly and so smoothly?

Because these people really made a lot of money, the little bit he took away was not worth mentioning at all.

How much does Shi Heng take?At most [-]% of the profit, but it can protect them from the intrusion of Bandits, Wala, and Mughals.

And the beast.

Shi Heng is a person who likes hunting very much. He will gallop on the grassland regularly to eliminate the wild beasts that threaten the herdsmen, such as prairie wolves.

Every time Shi Heng went hunting, those guys who made profits on the grassland would warmly entertain Shi Heng.

According to the general capital rules of capital theory, [-]% of the profit can guarantee that it will be used everywhere; [-]% of the profit will lead to active risk taking; double the profit will make people legally dangerous; rope.

Why did the eight great Shanxi merchants make their fortunes?

The general profit rate of more than [-]% of the abandoned land of Ming Dynasty allowed them to accumulate a sufficient wealth.

Why did the Eight Shanxi Merchants in the late Ming Dynasty betray the interests of the Ming Dynasty?

Because earn more.

When Shanxi merchants came to the Qing Dynasty, why were they able to control the flow of the world's silver roads?

The ticket numbers of Shanxi merchants are all over the world, because this is their return on investment.

Zhu Qiyu did not dare to assert that when he actively promoted the abandonment of the Chief Secretary of Jiaozhi and the officials of the old guards in Hetao, Jining, and Dongshengwei, what he really thought in his heart was whether it was the general trend of promoting culture and military affairs, or whether it was the entanglement of interests to represent himself. The interests of the network to speak.

But this is obviously a wrong decision.

And now, Zhu Qiyu intends to correct it.

How to correct it?

Put this matter on a scale and weigh it. Once it is weighed, it will not be able to beat a thousand catties.

Of course Zhu Qiyu could insist on going his own way without persuading these courtiers, but in that case, the temples of the Ming Dynasty would not be able to form a joint force, and this matter would definitely fail completely in the end.

"Maybe you will think that I am deceiving you for the Northern Expedition." Zhu Qiyu sat up straight and continued.

Yu Qian led the people and said hurriedly: "The ministers are in panic."

No one doubted that His Majesty's words were false, but they felt that the interest rate was really high and frightening.

Shi Pu is the minister of the Ministry of Industry, presiding over government-run workshops such as Baoyuan Bureau and Shijing Factory. He asked dully: "[-]% profit, this is really too high."

Zhu Qiyu sighed. In the early days of the Great Navigation Era, the profit rate was more than ten times the risk.

In the colonial era, including the possible risks, even if the aborigines were allowed to cultivate the land, even if it was not intensive cultivation, and the seeds were scattered at will, the profit rate was more than five times.

Now these courtiers actually doubt the authenticity of Wu Chengli...

Zhu Qiyu said very calmly: "In the operation, how to obtain high profits? Nothing less than oppressing and lowering labor remuneration and raising the price of goods."

"Oppression lowers labor remuneration, which will make the common people waste their money, plow the fields to waste, and raise the price of goods, which will make the products unsalable."

"For example, those farm tools from Shijing Factory are very popular."

"But we can't reduce the labor remuneration of craftsmen, because we need them to continuously improve their technology and produce enough steel."

"It is also impossible to increase the price of goods, because the people who use farm tools are not rich."

"Where are the extremely low wages of labor? Where are the extremely high prices of goods?"

"In these places where you think it's worthless, a horseman's monthly salt and silver are less than five yuan, or even a stone of grain, and they will work hard, because the grassland is really barren, and a poor horse is sixty-two six yuan, and a thin Tendon beef is about eight taels of silver."

In the "Siyuan Yujian" of the Ming Dynasty, there is a mathematical problem about a linear equation in two variables. The question is: six oxen and four horses are worth 72 silver; three oxen plus five horses are only sold for 54;

Zhu Qiyu did some calculations, Niu Baliang, Ma Liuliang.

After Zhu Qiyu finished speaking, Lin Xiu and Duzhi envoy Wang Hu took out their abacus from under the table and began to calculate frantically.

Lin Xiu, an old accountant, counted the cost and profit on his fingers: "A cowboy is five renminbi, a horse boy is three renminbi, and a horseman is 26 renminbi..."

It didn't take long for him to figure it out and said: "Your Majesty, this is not right. This is obviously more than double and fifty percent of the profit! I calculated it according to four times what I need."

Zhu Qiyu had been listening to Lin Xiu's calculations, and said helplessly: "The horses and cowboys will also get sick and die, and there will be natural and man-made disasters. You have to cut at least half of them."

Lin Xiu immediately understood the spirit, and he calculated again, his eyes flickered, and he came up with a figure of [-]% interest rate.

But he doesn't plan to say that by then, the extra income will all go into the shipping warehouse!

That's the emperor's money!

Duzhi envoy Wang Hu did the calculations for a long time, and he came up with [-]% of the results, but he didn't intend to say that the extra income would go to Taicang!

That's the court's money!

Lin Xiu and Wang Hu each have their own ghosts.

This is a lot of money, the outer court and the inner court are inevitable, there must be a battle!

When the time comes when everyone is tearing their skins apart, this number will be the bottom line, the basis for everyone's quarrels!

"Have you finished the calculation?" Zhu Qiyu asked strangely as he watched the two put away their abacus.

Lin Xiu said: "I've finished the calculation, at least [-]%."

Wang Hu said with a smile on his face: "The minister is done, at least [-]%."

Participating in the Salt and Iron Conference is an old fritter.

At least as soon as the two words came out, everyone immediately realized that what His Majesty was talking about was the bottom line, but how much he could earn, and how to divide the national money and domestic money in the end, would have to be torn apart!

Almost all the courtiers have already smelled the bloody smell.

Zhu Qiyu nodded and continued: "In an emerging industry, there must be a lack of competitors to compete with it. It can use a large amount of production to supply market demand and obtain huge profits."

"The same uncultivated land is like a completely new industry, which contains great profits."

"For example, the Bingzhan Bureau has at least [-]% of the gross profit. Even if the labor compensation is removed, there will be [-]% of the profit. In order to encourage the Bingzhan Bureau, Taicang and Neijin each took out [-]% of the profit and gave it to Bingzhan. bureau."

"The land of Hetao is not barren, and the Yellow River is full of harm, but the only one is rich."

"If we can manage these lands well, we can naturally get extremely rich rewards."

"Of course gentlemen, land is worthless without labor."

"When we formulate labor remuneration, think about why the army has fled and the people have abandoned the land, and they have to give up the basics."

When was the land of Hetao lost?This brings us to Yingzong Youchong, Sanyang Fuzheng, Xingwen and Wu...

Zhu Qiyu hacked Zhu Mingmen to death in Taimiao, so naturally he would not turn over the old score. How to make this giant ship of Ming Dynasty move forward steadily is what Zhu Qiyu has to do.

Daming, a giant, has countless bloody mouths, and countless vampires are attached to the bloody mouths, sucking hard.

Now Zhu Qiyu has to fill up the bleeding bit by bit.

He sat up straight and continued: "When Daming's wealth develops to the maximum limit allowed by its soil, climate, and location, it will stagnate!"

"Even if there is no regression, then its labor remuneration and profits may drop to a very low level!"