Chapter 68 Marine Insurance
(The third is more than 4,000 words, the powerful ones are here, brothers, the powerful ones are red! )
The expedient measure was to agree to use the Jiangdong Left Army as a middleman to resell the grain to Jinhaicang and the Zhubian Army, and Lin Tie came forward to organize the maritime merchants of Deng, Lai, and Hejian to transport Shandong grain to Jinhai and put it into the warehouse.
With the means of Lin Tie and the prestige of the Jiangdong Left Army, it is naturally easy to form a maritime power group with the Jiangdong Left Army as the core, and even make the entire Haicao system fall into the hands of the Lin family.
In fact, even Zhang Xie and Tang Haoxin, the souls of the Chu Party, did not want to see the excessive expansion of the power of the Lin Tie or the Lin family, but the Gyeonggi grain stock could only support another two months, and the household department simply did not have the ability to organize a fleet of sea ships with sufficient transportation capacity in two months, leaving aside the Jiangdong Left Army.
Tang Haoxin's submission was sent to Beijing overnight on 29 March, and Jingzhong replied that it arrived in Jinhai at dusk on 2 March.
The Ministry of War officially organized the Jiangdong Left Army into the Jiangdong Zuoying Township Army, with a full strength of 3,000 troops, so that Lin Jian would also supervise the Jiangdong Zuoying Township Army in the capacity of Jiangdong Inspector and Inspector, and Chongzhou County would be the source of military salaries for Zuoying Township, and Ding Tian Zhengfu of Chongzhou County would be the capital for the army of Zuoying Township.
With the letter from the Ministry of War, Lin Jian didn't know whether to laugh or cry. The Jiangdong Left Army is considered to have an official name, although it is still the name of the township camp and the township soldiers, but it is assigned to the official source of salary, and the treatment seems to be higher than that of the government army.
"It didn't cut our troops, but the source of the salary is only one county, which is too shabby......" Cao Ziang took the letter from the military department and looked at it twice, put it in front of the table, and asked Lin Mengde, "Ding Tian Zhengfu in Chongzhou County, how much is there?" ”
The Jiangdong Left Army was stationed on the south bank of the Whirlpool River, and the military department sent a letter, Lin Mengde, Cao Ziang and others gathered in the big tent of Lin Bin, it was already dark, and the candles in the tent blew and burned, exuding the aroma of grease.
Lin Mengde frowned slightly, and saw Cao Ziang asking him about the situation of Ding Tian Zhengfu in Chongzhou County, thought about it for a while, and said: "I don't remember the specific number very clearly, the Dingcao grain should be about 30,000 stones, and after deducting the local expenditure, only 18,000 to 20,000 stones can be used as a source of salary, and the silver will not exceed 10,000 taels." ”
"It's better than nothing......," Zhao Qingshan said.
Zhao Qingshan didn't feel anything when he was in the township camp, at that time, the money and salary were controlled by Lin Zonghai, Lin Xuzong and others, and these generals with foreign surnames couldn't intervene, but they could basically know that the Lin family's standard for throwing money into the township camp was on par with the township army, which also made the Shanglinli township camp quite combative, and it was not comparable to ordinary township soldiers.
Compared with Lin Lian's army, the Lin family's investment in the township camp can only be said to be trivial; Lin Lian's army can be described as a loser. According to the standard of Lin Binding's army, even if the Jiangdong Zuo Battalion returns to the garrison and does not fight with the army, it will take 100,000 taels of silver a year to maintain, and Chongzhou's annual salary is less than one-tenth, which can only be said to be a drop in the bucket.
Jiangdong Zuoying Township Army promoted the army in Jiangning Cang, Jiangning Ministry of Industry allocated 60,000 taels of silver, 30,000 taels for Anjia silver, 30,000 taels for support, in fact, the cumulative expenditure exceeded 120,000 taels, only in Jinan from the hands of the defeated soldiers once the purchase of silver cost 50,000 taels of silver, wounded medicine silver amounted to 20,000 taels. In addition, there is one of the largest expenses that has not yet been allocated, and that is the pension of the wounded and wounded. According to Lin Bin's standard of "giving land to support his relatives who died or were disabled in battle", the Jiangdong Left Army had to buy 9,000 mu of fertile land or 60,000 taels of silver for bereavement, plus reward silver, a total of 100,000 taels of silver was enough.
That is to say, the Jiangdong Left Army will spend about five months from the rush to the post-war pension, and the total expenditure will reach 250,000 taels of silver.
Of course, the Zuoying Township Army fed the war with war, and it gained a lot.
Including the wounded who could be healed and returned to the unit, the actual strength of the Jiangdong Left Battalion had reached 4,500 men, and at this time there were 800 guards battalion, 600 cavalry battalions, and 1,800 soldiers of the 3rd battalion.
The acquisition of a large number of high-quality armor from the defeated soldiers and the capture of four battles and four victories made the armor and bow and crossbow of the Jiangdong Left Battalion generals exceed that of the Zhenfu army by a large margin, and 2,000 sets of high-quality armor have been accumulated, and more than 800 horses have been retained.
The battlefield directly seized the gold and silver goods that belonged to the Jiangdong Zuoying Camp, and the silver was converted into nearly 100,000 silver.
A large amount of horse meat, leather goods and materials collected from the battlefield were traded with Deng and Laihai merchants, and the accumulated grain and grass and a large number of mules and horses were resold to the Jinhai Ducao Transportation Division, which was converted into more than 80,000 taels of silver.
In addition, more than 1,200 foreign horses are being transported to Chongzhou, Jiangning, Weiyang and other places for trading, and they can probably get 70,000 or 80,000 taels of silver.
Excluding the value of a large number of high-quality armor, the Jiangdong Left Army was almost able to break even, spending 250,000 taels of silver, and 256,000 taels of silver captured on the battlefield.
War is so snobbish and cruel that the defeated will enter a vicious circle, and the situation will get worse and worse, and the victor will enter a virtuous circle, and the situation will become clearer and clearer.
Of course, the above has not included the 50,000 taels of silver rewarded for military merit and the 200,000 taels of silver obtained from trading with Hao Zongcheng.
Because Lin Jian allocated nearly 100,000 taels of silver from Jiangning to go north, plus the pension silver and reward silver have not yet been distributed, the Jiangdong Zuoying Township Army still has nearly 400,000 taels of cash in Jinhai.
If Tang Haoxin knew that Lin Tie had nearly 400,000 taels of silver in Jinhai's hands, his tongue would be so frightened that he would spit it out, and in such an emergency, in order to open the sea, the household could only squeeze out 500,000 taels of silver.
***********
At this time, the guards reported to Sun Shangwang, Sun Fengyi and others to ask to see, Lin Jian took Lin Mengde, Cao Ziang and others out of the camp to greet them in person, Sun Fengyi, Sun Shangwang and others were all panicked, at this time Lin Jian was no longer a small prison official.
Lin Jian was casual, invited Sun Fengyi, Sun Shangwang and several representatives of maritime merchants from Deng, Lai, and Hejian into the camp tent to discuss matters, and also gave rare orders to go down to prepare a banquet for Sun Fengyi and others in the camp tent, and discuss matters while drinking.
Eight large candles with the thickness of the baby's arm will reflect the camp tent as bright as day, Lin Tie sits on the main seat, behind him is a screen painted with a white-fronted tiger pounced on the mountain stone, a pear blossom wood long table in front of him, placed in the letter book, map and other seals, Lin Mengde, Cao Ziang and other Jiangdong Left Army generals and Sun Shangwang, Sun Fengyi and maritime representatives sit opposite to Lin Tie.
Lin Jian looked at the candle flame distractedly and thought for a while, sorted out his thoughts a little, tapped his fingers lightly on the table, and said: "The household department has agreed that the Jiangdong Left Army will be the middleman to resell the grain to Jinhai Dacang and the border army, and the military department has also officially sent a letter to organize our department into the Jiangdong Zuoying Township Army, and allocate Ding Tian Zhengfu in Chongzhou County as a source of income, so you don't have to worry that Jiangdong Zuoying owes debts, and you can't find a place to collect debts......
"My lord said that he laughed," Sun Fengyi said with a smile, "We wish that the adults owe us the silver, so that we can take it out and show off to outsiders, where is there any reason to worry?" ”
Lin Jian smiled and said: "Sheji is in difficulty, and the husband is responsible, although Jiangdong Zuoying is reluctant to be this middleman, but Jiangdong Zuoying has no reason to make profits from it." You are responsible for sailing to the designated place to deliver the grain, and I will send someone to follow to help liaise, and the grain will be settled on my side, and the corn will be divided into equal parts, and the final class will be counted at 1,500 yuan per stone of millet, and I will not leave you without a cent! ”
"How can this be?" Sun Fengyi was surprised and said, "How can this make us feel at ease? ”
"Mr. Sun will listen to me first," Lin Jian said with a smile, "As long as all the maritime merchants, ships and personnel involved in the grain transportation register and check with us, and allow us to send personnel to accompany them, we will pay a deposit in advance in proportion to relieve the financial pressure of each family." When the grain arrives in Jinhai and is put into the warehouse, the cost is calculated according to the purchase price and the labor and food money, and our office immediately pays a considerable amount of silver and a deposit for the next trip to purchase grain, and we temporarily withhold the part of the profit due to it...... This is also a matter of no choice, I am now doing my best to transfer the silver is also very limited, can only be cheeky to ask everyone to trust me once, after getting the household silver, I will not delay for a moment to make up for the remaining silver. ”
Lin Jian hugged his fists towards Sun Fengyi and the others.
"Your Excellency is really polite, we don't trust your adult, who else can we trust?" Sun Fengyi looked left and right and asked, "Is it just like the arrangement of the adults?" ”
The representatives of the maritime merchants calculated in their hearts that even if they could not get the full amount of silver, they would be able to get back at least the capital and part of the deposit each time, and Lin Jian would not deduct the price of their grain. In addition, when they go to the sea to do business, and travel between the north, the south, and the east and west, they must shelter, take refuge, or make friends with powerful people on one side in order to avoid excessive oppression and abuse. Lin Jian led the Jiangdong Left Army to make great achievements at the age of a weak crown, rising between Jianghuai and Yanlu, and was really the most powerful cutting-edge figure in the Chu Party, with a bright future.
Sun Fengyi expressed his position first, and everyone else also said that it was okay, and the matter would be finalized.
Lin Jian said: "The wind and waves on the sea are treacherous, and the opposite shore is Liaodong. If the goods and ships are related to your net worth, if they are capsized by the wind and waves, or plundered by the pirates, the rich will instantly become destitute, which is probably the fundamental reason why everyone regards the sea as a dangerous road......
The maritime merchants told Lin Jian about the central matter, and they all talked about the various hardships and high risks of the maritime merchants going to sea; Lin Jian patiently listened to their complaints.
Even with the development of shipbuilding technology, it is impossible to deny that sailing at sea is one of the most risky industries at present. With frequent pirates and unpredictable hurricanes and waves, even though a large number of landless poor peasants are willing to go to sea to fight for their lives and wealth, the enthusiasm of merchants to invest in sea ships is not high.
Even if there are businessmen who want to go to sea to make a profit, most of them are not willing to put all their wealth on a large sea vessel. Although large sea ships are more resistant to wind and waves and have a larger loading capacity, if something goes wrong, it means bankruptcy. Powerful businessmen prefer to build multiple small and medium-sized sea vessels to spread the risk. Although small and medium-sized seagoing vessels have low wind and wave resistance and limited loading capacity, they can only sail close to the coastline and travel slowly, but multiple seagoing vessels can spread the risk. Even if one ship capsizes or is hijacked, the profits of other seagoing vessels can make up for the losses.
This is also an important reason why it is difficult to see large sea vessels in Bohai Bay, where the sea ban policy is not strict and piracy is not very rampant.
To change this situation, it is actually very simple, that is, someone needs to stand up and spread the risk of HNA for all ship owners or maritime merchants.
Lin Jian listened to everyone's complaints, and said: "In the past few days, I have also taken a boat to go to Jinwei Island every day to see, this short sea route, I feel that the wind and waves are treacherous, no wonder everyone has the mind of walking on thin ice when going to sea." Every time I go to sea, everyone is fighting for wealth and wealth, which is why I don't deduct everyone's food price, and it is not easy to save a few dollars. ”
"Only adults can understand our hard work." All the maritime merchants said that most of them had seen the big ships of the Jiyun Society, so it was not to flatter Lin Lian.
"I thought of a compromise and said it to discuss with everyone," Lin Jian said, "I also have Jiyun Society under my command to do business, and I think everyone knows it." For example, if the shipowner is willing to discount the goods and ships from Dengzhou to Jinhai, according to the ship's sturdiness and ability to resist wind and waves, pay insurance money to Jiyun Society at a ratio of 6 or 3 out of 100, and transport grain from Dengzhou to Jinhai, and sink in the event of wind and waves on the way, or the cargo is robbed due to pirates, he can get full compensation for the ship and cargo from Jiyun Society afterwards; If the journey is smooth, the guarantee will be the profit of the Jiyun Society...... In order to ensure that Jiyun Society has sufficient compensation capacity in Jinhai, I will deposit 20,000 taels of cash on Jinwei Island as the principal. Of course, if you think that this business can be done, you can also invest the principal to participate in a share, and the future profits and losses will naturally be borne together. ”
"This ......," Sun Fengyi asked suspiciously, "Your Excellency wants to do business with us." ”
"Business is still second," Lin Jian said with a smile, "The main thing is the hardship and danger of sailing, I can also understand one or two, gather everyone's strength, and those who are willing to take out insurance before going to sea, although they make less money on a trip, they don't have to worry about the wind and waves or pirates on the way will go bankrupt...... Do you think that's the truth? ”
Lin Jian probably remembered that the marine insurance industry appeared in the West very early, but he carefully observed the current situation of maritime merchants in the Greater Yue Dynasty, and there was no such infant form of insurance industry that shared losses and shared risks.
The fact that it did not appear does not mean that the forest bind cannot be born.
The advantage of this is that in addition to promoting the enthusiasm of businessmen and townsmen in coastal prefectures and counties to invest in seagoing vessels, in the name of Jiyunshe or Jiangdong Zuoying, a commercial organization similar to the marine insurance industry will be established.