Chapter 498

PS: there's another chapter.

A loud and enthusiastic voice kept coming from the merchants.

Looking at these merchants, Xiao Ming can't help shaking his head. The merchants promise that ghosts will believe it. However, now that the sea trade routes are open, Xiao Ming also wants to profit from the sea trade as soon as possible.

For him, the most direct way to make profits is business tax. After all, he can't undertake all the sea trade alone. The most important thing is that he doesn't have many people.

Therefore, he wants to establish a maritime trading company with Qingzhou chamber of Commerce as the core and other merchants as the vassal, which is similar to the contemporary Dutch East India Company.

Surrounded by merchants, Xiao Ming naturally can't continue to tangle about sugar. Now that the merchant knows about the sea trade routes, he has to carefully study how to maximize his interests.

He and Li Kaiyuan went back to the chamber of Commerce.

Over the past two years, Xiao Ming has been teaching Li Kaiyuan business knowledge beyond this era. To this question, he tentatively asked Li Kaiyuan, "how do you think we should deal with maritime trade routes?"

After pondering for a while, Li Kaiyuan said: "Your Highness, the lower official thinks that the right of maritime trade should be opened to merchants. However, any merchant who wants to carry out maritime trade must obtain permission from the chamber of Commerce, otherwise it will easily cause confusion in maritime trade, and these permissions are also the evidence for merchants to pay taxes."

"Well, what else?"

"While opening up the maritime trade rights to businessmen, the chamber of commerce should play a leading role in maritime trade. We eat meat and let businessmen eat the leftovers, so that we can get maximum profits." Li Kaiyuan said.

Xiao Ming looks at Li Kaiyuan in surprise. The boy has made great progress. He is right. The dish of sea trade is very big. Qingzhou chamber of commerce can't eat all the dishes. At this time, businessmen need to eat some leftover dishes, and they eat the most abundant place.

In terms of trade, the chamber of Commerce wins the most profitable business, and other less profitable businesses are handed over to businessmen, who can also draw taxes from them.

"You have made great progress in the past two years. It seems that Wang was right to choose you as the vice president of the chamber of Commerce." Xiao Ming said with a smile.

Li Kaiyuan said with a smile: "Your Highness's eyes are as bright as a torch. He can turn this miscellaneous fish into a koi."

"Don't be modest. When it comes to business, do you have any other ideas?"

"Yes." Li Kaiyuan said: "Your Highness, the merchants of the chamber of commerce are from other places. The local merchants have little growth. The lower official thinks that we should support the local people to become merchants. After all, the merchants in the chamber of commerce are very complicated and the background is not simple."

"You're right. That's what I'm thinking about." Xiao Ming's look dignified down, "you continue to say."

Li Kaiyuan cleared his throat and said, "Your Highness, some production processes should be opened up to the common people. Just like the last road construction, the government can lend money to the common people, let them pay royalties, and set up private workshops. In this way, our slaves can get rid of some weak businesses and do more important things."

"Well, you're right. This time, I'm going to promote the development of private capital and let the domestic capital live." Xiao Ming knocked on the table and said, "I also have several techniques that I'm ready to open up. But as for the loan, I think it's time for the banks in each state to open up."

"That's right. We've been preparing for this bank for quite a long time. This period of time has allowed Cao's Bank to exploit its loopholes. Now we want to get it back." Li Kaiyuan laughed wickedly.

When it comes to the bank, they went to Pang Yukun. He has been handling the affairs of the six state bank. Now he is the one who knows the situation best.

At the government office, Xiao Ming and Pang Yukun talked about the bank. He immediately took Xiao Ming and Li Kaiyuan to Dongshi. In a row of shops along the street, he saw the official bank with the plaque of Qingzhou bank.

"Your Highness, this is it. A month ago, the bank was open to the common people, but few people came to the bank. It's not as lively as Cao's Bank." Pang Yukun sighed.

Li Kaiyuan busily explained: "but your highness, the prosperity of the Cao family's Bank is also due to merchants. The common people seldom go to the Cao family's Bank."

Whether it's banks or banks, it's a strange business for the people of the feudal state. They would rather hide the silver at home than deposit it in the bank.

Even though Xiao Ming is very popular, the common people have their own small calculation in mind.

The appearance of Qingzhou bank is almost the same as that of caojia bank. It is like a prison, in which the accounting room is locked, while the people handle the deposit and withdrawal outside.

Glancing at the plaque, Xiao Ming and Pang Yukun go in.

This piece of land was bought by the government from a businessman. What it valued was the flow of people in Dongshi, but now it seems to be the coldest place in this area.

Three young accountants in Qingzhou bank saw Pang Yukun and Xiao Ming coming in. They immediately recovered from their laziness and sat down in a serious state.

"Your Highness, the Bank of Qingzhou is just like this now. It's neither dead nor alive. There's no way for the lower officials." Pang Yukun, after all, was not proficient in finance and could do nothing about it.For Xiao Ming, banking is an important means to stimulate the development of private capital in the next step. He asked one of the accountants, "how do you handle people's deposit and withdrawal business?"

"like Cao's Bank, you collect part of the silver, help people deposit the silver in the bank, and issue them banknotes at the same time." Said the cashier.

Hearing this, Xiao Ming's face turned green. He didn't tell Pang how to run the bank. The problem really happened.

He sighed and said to Pang Yukun, "from now on, people are not allowed to collect money for deposit and withdrawal, and tell them that their money can be increased in the bank."

"More money! Your highness, don't we lose money in vain? " Pang Yukun didn't understand.

Xiao Ming said, "how can we lose? When the bank collects the money and lends it to the people to set up workshops, we can collect part of the interest on the borrowed money, and we are the white wolf with empty hands. "

Pang Yukun didn't react for a moment. After pondering for a while, he suddenly realized, "Your Highness, high is really high. It's equal to us making money with other people's money, and taking part of the money from it to give it to the people."

"That's right. For example, when people deposit money, they can get 3% interest every month. When we lend money, we can charge 5%. In any case, the government will not lose money. This is banking finance, Pang Shoufu. You should learn from Li Kaiyuan." Xiao Ming said with a smile.

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