"The second question of the slave family is that the silver village you depicted was opened in the major state capitals of the Great Song Dynasty, and each place could be exchanged for large sums of money, which looks wonderful, but don't you know that it is very difficult to implement; The capital spent is huge, and this is probably a big problem; Think about it, if Bianliang City deposits a large amount of money and silver, and then the merchants come to Luzhou to withdraw money, how can Luzhou ensure timely exchange? Is there a way for you to instantly transfer money deposited elsewhere to the place where it was withdrawn? ”

Su Jin praised again: "This is another key question, Miss Yan seems to have mastered it, admire and admire." ”

Yan Biyun is very unaccustomed to Su Jin's public praise, although she is also sweet in her heart, but in front of so many people, she is always a little embarrassed.

"Of course, it is impossible to transfer the allocation of capital to the place where it is to be exchanged, and I have no ability to do so; However, if it cannot be exchanged in time, it will be a devastating blow to the credit, and if it is not exchanged in time, the customer will never trust the bank again, so the capital must be abundant; I have roughly estimated that if three to five silver banks are opened at one time, at least 15 million yuan will be required to circulate among them, and if each bank does not have more than 35 million yuan of circulating capital, it will not be able to guarantee normal operation. ”

"Fifteen million guan?" The shopkeepers almost dislocated their jaws, where did they get this tens of millions? The big proprietor said it easily, and he sold Su Ji up and down even the belt bones, which was not enough for a fraction.

Yan Biyun was not surprised, and said quietly: "I'm afraid I want at least this number, but how do you plan to solve it?" ”

Su Jin said: "I have two ways, one is to find a partner, I plan to go to the capital in the future, please help me introduce a few Bianliang businessmen, I will come forward to talk to them; But whoever has a little vision will certainly not refuse my proposal; Or they are afraid of taking risks, so I borrow money from them. ”

Yan Biyun frowned and shook his head: "This method is not good, once others don't know you, how dare they cooperate with you to run Yinzhuang?" And it is taboo to do business in partnership, there will be many unexpected disputes, and there may be internal friction in the future; Second, if you do this, it is equivalent to telling others about the plan of the silver village, others have strong financial resources, and it is difficult to guarantee that they will not get rid of your plan to steal your plan to open the silver village alone. ”

Su Jin sighed and said: "Then there is only the second way, absorbing the money and silver deposited by retail investors to use as capital, or it can solve this problem." ”

Yan Biyun shook his head again and said: "This method is even worse, not to mention whether anyone is willing to deposit money at the beginning, even if it is deposited, there will be no large amount of income; If it were me, I would deposit a small part to see how the credit of your bank was, and then I would deposit the follow-up money into the bank, how can I ensure the normal operation of the bank? ”

Su Jin said with a sad face: "No money is difficult for heroes, if these two methods don't work, I can only open two silver banks for the time being, and the funds I have in hand are enough to support the operation of the two money banks, so I can only develop slowly." ”

Yan Biyun looked at Su Jin, with some resentment in her eyes, and said lightly: "Didn't you think of the slave family?" Although my Yan family is not ranked in the Great Song Dynasty, I can still take out a few million guan, or the slave family can give my uncle and lend you to open a silver village. ”

Su Jinxin said: Of course I thought of your family, but it is only interesting for you to say it yourself, if I reach out to you, wouldn't it be too embarrassing.

"This is not very good, you have helped me a lot in this food matter, and I have lost a lot of money, the cost of the silver village is not a small amount, I also gambled all my net worth, how can I involve your Yan family into it, if there is a bad pool, what will I pay you back?" Besides, the Yan family's property is not owned by you alone, but the common property of the entire Yan family, if I open my mouth to ask you for help, you will definitely not refuse, but you are not easy to explain in the Yan Mansion, how can I do this kind of thing? ”

Yan Biyun smiled and said: "Just to lend it to you, the slave family will naturally not be the master, but if it is a shareholding, it will be different, the slave family is in charge of the Yan family's industry, and the right to invest in business is in my hands, what business the slave family wants to do, but there is no need to ask for the consent of the Yan family, the slave family only needs to explain it to the uncle." ”

Su Jinxi said: "Are you really willing to buy shares?" This is a big risk. ”

Yan Biyun glanced at Su Jin and said: "Of course the slave family knows that there is a risk, but the slave family is very optimistic about this business, and besides, you Su Ji is not afraid, and my Yan family is even more afraid; And the most important one is that the slave family believes in your vision. ”

Su Jinxi got very carried away, grabbed Yan Biyun's little hand and rubbed it: "I have this idea for a long time, but I'm just afraid that you will be embarrassed, now it's okay, the financial problem can be easily solved, we can spread out five nets at a time, the bigger the net shop, the more it can show the advantages of Yinzhuang." ”

Yan Biyun hurriedly pulled out his palm, blushing and not daring to look at people, the old shopkeepers were stunned one by one, the big boss actually held hands with Yan Dongjia in front of his own gang, Su Jin was not embarrassed, they were embarrassed; After a cough, the old shopkeepers all served tea and pretended to drink to hide the embarrassment.

Su Jinwu didn't realize it, and said loudly: "You and I have joined forces, each family has eight million yuan, which is the start-up capital of 16 million yuan, and one million yuan to purchase real estate and shops, and there are more than enough people to hire people, and this matter is basically completed." ”

The shopkeepers' eyes jumped on the ground, the big proprietor just said that if there are five million guan, what can he do, now one mouth is eight million, and he went out for half a year, why did he suddenly get so much money back, don't rob a big family in Yangzhou, this means of making money is too powerful.

Yan Biyun said angrily: "Don't be busy, since the slave family has invested in shares, the slave family has to know more, and there will be a return on the money, not to take it out for fun." ”

Su Jin nodded and said: "That's natural, our feelings belong to feelings, business belongs to business, if you have any questions, just ask, you are now a major shareholder, and you know everything in the next word." ”

Yan Biyun whispered, "What nonsense? Who and you...... Yes...... Affection. ”

Su Jin found that he was too excited, his mouth couldn't hold the level, and it was really inappropriate to say this in front of others, so he hurriedly peeked at the shopkeepers, who were sitting in a precarious position, studying a beam on the ceiling with their eyes facing the sky, and didn't seem to hear the conversation just now.

Yan Biyun replied to his emotions and asked, "The third question that the slave family wants to ask is, can this kind of silver village be approved by the imperial court, have you ever thought about it?" ”

Su Jin was stunned and said, "Do you still want to approve this?" We are not in the tea and salt business monopolized by the imperial court, and the taxes that should be paid are a lot of money, and there is no harm to the imperial court, and the imperial court will not interfere with what kind of business others do. ”

Yan Biyun shook his head and said, "Although there are no explicit regulations in the imperial court, how can matters involving the circulation of coins not be restricted?" Yizhou's Jiaozi turned out to be the rise of the people, and then the imperial court was taken over by the government? Your opening of a silver bank involves the storage and circulation of coins, and the court may blame you for collecting the copper coins and not circulating; It must be known that the imperial court only builds 800,000 yuan of money every year, and if the coins deposited in the bank exceed the coinage money, won't it cause turmoil in the market? ”

Su Jin laughed and said: "You don't understand this, opening a silver bank will not only not hinder the circulation of coins, but will speed up the circulation, the rich family hides the money in the secret room, that is called the real dead money, if there is nothing special, they will definitely not take it out and use it; And this money is stored in the silver bank, whether it is used as capital or other investments, it is precisely because of the circulation that the pressure of insufficient coin minting can be greatly reduced. ”

Yan Biyun thought for a while and said: "It seems to be the truth, but the slave family thinks that it is better to be cautious in this matter, and it is best to obtain the approval of the imperial court to start it, so as not to be beaten down by the imperial court after it is opened, then it will be troublesome." ”

Su Jin nodded and said: "Yes, your worries are not unreasonable, as soon as the matter of food affairs is over, I will talk to Lord Sansi, and don't reward him when he meets the emperor to restore his life, as long as he approves it; Don't be an official, it's not interesting. ”

Yan Biyun smiled: "If you want to be inappropriate, you can't do it?" Do you think this is child's play? However, since you are doing a big business, you naturally need to take all aspects into account, and you don't need to be reminded by the slave family about these things, you are more thoughtful than the slave family. ”

Su Jin said with a smile: "This is to lift me, I just think it's okay, but I can't really do things as well as everyone here." ”

Yan Biyun said: "Being too modest is hypocrisy, and the slave family still has questions for you to answer." ”

Su Jin stirred his hands in his ears and eyes, and said with a smile: "Listen to me." ”