Inside the Qifeng Building.

Yang Huairen didn't say any nonsense, and directly told the businessmen present that the Wude Army was going to set up a naval army and needed money to build warships.

It's just that when it comes to money, Yang Huairen didn't use the term township donation, but said a method that made everyone unbelievable - borrowing.

"All of you here are wealthy businessmen in the Jiangnan area, and many of you are still maritime merchants whose main business is maritime trade, so you should know how important the safety of sea routes is to your business.

Now our Great Song Dynasty naval army, firstly, there are too few soldiers, and secondly, there are no decent warships, so it is completely insufficient to escort your trading at sea.

Therefore, the Wu German Army wants to set up a new naval army and build special sea warships, just for the sake of everyone's interests.

On behalf of Wu Dejun, the purpose of inviting everyone to Jiangyin for a gathering today is because Wu Dejun is currently short of funds, and the imperial court has just fought a war with Western Xia this year, so it is not able to come up with enough money to allocate this part of the expenses in the short term.

Therefore, this king came up with such an idea, not to ask everyone to donate money to the future navy, but to borrow money from you, according to the usual practice, calculated at an annual interest rate of three cents, and it will be returned to you in two years. ”

The merchants below began to talk, and their faces showed suspicion.

Speaking of normal private loans, or loans between businessmen, the annual interest rate of three cents is not bad, and the normal interest is a little more than two cents, Yang Huairen can say that the three points of interest is also enough for them.

But when they think about it, they feel that this is different from what they usually lend to other merchants.

If they lend money to ordinary people, if they don't pay it back when it is due, they can openly come to the door to collect debts, and the government doesn't care, and even they can sue the debtor to the government and let the government help collect the debt.

But lending money to Wu Dejun makes them a little worried, what is Wu Dejun, is it an army, if the army doesn't pay back the money by then, who are they looking for?

You can't bring someone to the door to collect debts, right? It was even more useless to find the official government, and the local government did not dare to offend those feudal armies, let alone the feudal army under Yang Huairen.

So they felt in their hearts that the reason why Yang Huairen said this was just a means to deceive them into lending out the money, and in fact, if this kind of money was lent out, it would be equivalent to them donating it in vain.

If that's the case, then why do they have to borrow money to come out?

As for Yang Huairen's remark about setting up a naval army to build warships to escort their maritime trade, they felt even more ridiculous.

The Changguo Army is also a naval army, but there has never been such a thing as escorting, even so, they have to send a peace money to the generals of the Changguo Army every year as usual.

Yang Huairen invited them to come a few days ago, saying that he was asking them to borrow money for three points of interest, but everyone knew that this was just an official statement, and in fact, he was still asking them for more peace money.

This kind of safe money, they know that they can't not give it, just like the practice in the industry, they have long been used to it, but they are also unwilling to take this money in another way.

Therefore, because of the face of Yang Huairen, the prince, it was difficult for them to refuse directly, so they elected a representative and expressed their meaning euphemistically.

The words are also good, so they generously said that there is no need to borrow money, and the Wu Dejun wants to set up a naval army, as a businessman who has always been loyal to the monarch and patriotic, they can directly donate a part of the money, and this money is not needed to be repaid by the Wu Dejun.

The businessman who took the lead directly said that he wanted to donate 3,000 yuan, and when other businessmen saw this, they also enthusiastically expressed their attitudes, this one donated 1,000 yuan, and that one donated 2,000 yuan.

But this is not what Yang Huairen wants, although a total of more than 100,000 guan of money has been raised, it is still far from the cost of 500,000 guan to build a warship.

Yang Huairen has a deeper understanding of the word profiteer today, profiteers are not only treacherous when making money, but also treacherous when they make money.

Everyone knows how profitable it is to do maritime trade, and they dare not leak the tax of the listed shipping company on the surface, which is the money for the emperor.

But no one is indispensable to bring smuggled goods, and after paying taxes and spending safe money to open a boatman's wages, if the net profit is not doubled, these merchants will not be willing to do so.

Yang Huairen will not tear his face and say this, the businessmen who can come to this banquet today have already given him a lot of face, and it is even more unrealistic to persuade other businessmen to donate in a similar way.

He is also a businessman himself, and he knows that things can't be stunned and make no sense, and in the future, he wants to establish his own power in Jiangnan, even if he doesn't count on these profiteers, at least he can't let them become an obstacle.

Cen Xiaonian's face was a little ugly, it was obvious that these businessmen had already calculated and understood the stakes, and would rather donate a small amount of money than lend a large amount of money.

Yang Huairen was still not angry, and expressed his gratitude to these businessmen, and did not say anything afterward. When the banquet was over, he personally sent the merchants away.

After sending away these merchants, Cen Xiaonian said worriedly, "Lord Wang, although more than 150,000 yuan has been raised, it is still not enough for the cost of shipbuilding, this is only thirty percent, and there are seventy percent, where are we going to find it?" ”

Yang Huairen sneered, "Originally, Lao Tzu wanted them to make some money, but these fools thought that Lao Tzu was going to cheat them, and now this money can only be earned by others."

Another thing you said is not right, the 150,000 yuan is just more than 10% of the cost of preparing for the future expedition to Jiaozhi. ”

Cen Xiaonian grew his mouth, "More than one percent?" Doesn't it take 500,000 to build a warship, when did it become 1 million? ”

Yang Huairen said with a smile, "Cen Geling, there is a lot of money spent on fighting, and 500,000 yuan is just the cost of building a warship.

Warships are just one of the tools, and the other weapons and equipment, don't you want money?

Soldiers who sacrifice their lives to fight wars are always treated better than usual, not to mention that those who have meritorious service will be rewarded, and those who die in battle must be buried and their families should be compensated, don't they need money?

The cost of one million guan I am talking about is already too little, and if you really send out tens of thousands of people to fight, you will incur more expenses at any time, many of which you can't think of in advance, so the more money you prepare, the better. ”

Cen Xiaonian's mouth opened wide, "That...... We thought it would be easy to conquer Jiaozhi, but we didn't expect that the battle had not yet started, and the problem of money would be so difficult to solve. ”

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