Zhao Yu said: "Go and check out Yangping Money House." As the number one Yangping Money House invested by non-industrial owners in the Song Dynasty, of course, it is the leader in various industries, so naturally we must not ignore it.

Yangping Money House Management Group has a luxurious appearance and is a stepped company. Although all departments are on the first floor, they adopt the method of increasing the stairs underground. The first floor is flat with the pavement, and the second floor is behind the first floor, connecting one floor, which is about half a floor. According to this ratio, it is pushed to a depth of six floors. It is also the tallest building in the Baiyun District building complex.

Ouyang said: "This is designed by the design company under Weichen's name. The sixth floor is full of senior employees and shareholders' service points. The lower five floors each have their own functions."

Four uniformed security guards at the door entered the first floor and immediately greeted him: "May I ask... Lord Ou?"

"As usual introduction" After the completion of Baiyun District, there were many people visiting, especially such magnificent buildings, experts could only look up to it. Although the sixth floor is still one floor from the ground, the three-dimensional method allows the sixth floor to have the overlord spirit to master everything. Looking down at Baiyun District, who will compete with you?

"Okay, no problem." The beauty led everyone and introduced as she walked: "There are twenty deposit counters on the first floor, but since it is the headquarters, it only receives business worth more than 10,000 yuan. If the loan amount exceeds 20,000 yuan, you can go to the second floor."

"Yeah" Zhao Yu looked at it and saw a staircase in the middle, with the money saving point on the left of the hall and the flying ticket business on the right.

The second floor is the loan department. It is divided into three types of loan points: large, medium and small. One person to one person’s business, and the loan point is 20,000 yuan.

The third floor is the canteen, and there is an extra side door to go out. The one with a hundred meters downhill is one of the two concentrated vegetable markets in Baiyun District.

The fourth floor is the Personnel Department, which starts from this floor and is the management level. Idle people are free from entering and there is no back door. This is where the personnel of all Yangping Money House branches are managed. Half of the money houses are fixed employees. If there is a fire or promotion, they must be filed. The temporary workers are the final decisions of the local shopkeeper.

The fifth floor is the accounting department and the investment department. As soon as you come up, you hear the sound of abacus. All the employees are lying on the accounts. The man in uniform is by their side. The rhythm is the fastest department in the first few floors.

When they arrived at the sixth floor, Ouyang asked someone to greet him, and Su Qian and other money shop giants came out to greet him. After some reasoning and mathematics, Zhao Yu welcomed Zhao Yu to the conference room. Seeing everyone's expressions, Zhao Yu smiled and said, "You just think I am a customer."

"yes"

A beautiful woman asked, "What does Your Majesty drink?"

Ouyang said: "This is Su Qian's personal assistant named Zi'er. If you want to talk to the shopkeeper Su, you have to contact Zi'er to make an appointment."

Zhao Yu smiled and said, "I really envy your life."

"Actually, it's very tiring. Here we concentrate resources and manpower to work together. The division of labor between departments is clear, but if there are any problems, you can negotiate quickly." Ouyang said: "Let me introduce you that His Majesty Su Qian has seen. This is the director of the Finance Department. This is the accounting department manager, the personnel department manager, the warehousing security manager, the law department manager, the investment department manager, the sales department manager, the public relations department manager..."

“What is the Public Relations Department?”

Ouyang explained: "For example, Yangping Money Bank wants to advertise in football matches, and the Public Relations Department is responsible for negotiations with the yamen. For example, if the Money Bank intends to invest in shares, the Public Relations Department will send people to negotiate with the project personnel, and then make investment plans with the investment department and show them to the project personnel."

"What about the investment department?"

Su Qian explained: "The accounting department will make reports regularly. For example, the loan difference this month is 500,000 guan, which means we have 500,000 guan more, and we expect that this money can be dead for a year. Then the investment department will find a way to increase the value of 500,000 guan, so we invest in a relatively flexible industry. When the time is almost the same, the deposit cannot keep up, and then sell the shares and cash back."

Zhao Yu's eyes lit up and asked, "Can you invest in the treasury money? Invest in people's livelihood and withdraw it when necessary."

Su Qian looked at the others and said, "Your Majesty, we are internal investment. If you need it, you can set up a special agency to manage your finances. In fact, the small ones also feel that the treasury money is wasted. As the adults said, a person's total assets are equal to the assets plus the controlled assets. That is, his own money plus the money he borrowed."

Ouyang's theory is one of the two major economic laws that Europe has studied for hundreds of years. Ouyang took over and explained: "The people of Song save money and save most of them. Your Majesty sees that although they make twice the money now, they do not use it, but lend it to money. It means that their lives have not changed, and it can also be said that their money has not increased. The money itself has no money, and uses the money borrowed from the people to lend to the owners, and then uses the money from the people to invest. In fact, it is equivalent to the money taking away the profits of the added value of savings. In private investment,

Savings are a kind of thing, and it only works hard for a lifetime to save a few money. Another is personal investment, buying land and renting a house. This kind of return is slow, but it is also considered a low-risk and stable investment. Another is to open a company in partnership, such as a logistics company. They buy carts and horses and transport the raw materials and products of the place. Your Majesty, please note that what they buy is only carts and horses, that is, although the money earned from transportation is generated by costs, there is no need to invest capital in transportation. Carts and horses are value-preserving products, and they can be resold at any time and get back most of the capital."

Seeing that Zhao Yu was still confused, Su Qian explained: "Your Majesty, my grandfather means. First, the money you earn from your own money and the money you borrow is your own money. Of course, there are risks in doing business. Second, the grandfather says that logistics companies are an industry that will not lose money unless they are sick and disasters. I suggest that your grandfather consider it from this aspect."

Zhao Yu smiled and shook his head: "It seems that the knowledge here is deep."

Su Qiandao: "Your Majesty, the Ministry of Revenue is still talented."

"Forget it," Zhao Yu said: "Su Qian, you borrow the investment manager from me for half a year."

"yes"

The Investment Department has been studying a topic recently, lending and currency. Ouyang has been confused until modern times. China holds a large amount of US foreign debt and a large amount of US dollar reserves, while the US fiscal deficits have been year-on-year. But why do Americans have money? And China's living standards are so low? In disguise, the United States borrows money from China, and China is the creditor. In order to lend money to the United States, Chinese creditors use low labor and non-renewable resources in exchange for competition. But on the other hand, the United States has stopped exporting high-tech products to China and increased production costs in China. Ouyang cannot do this topic, but handed the topic to the Yangping Money Bank Investment Department.

Compared with the surrounding areas, Song can be compared with modern United States. Currencies of various countries are settled in Song coins, controlling the currency control rights of Liao, Jin, Tubo and Dali. If this project can be studied, even if it takes hundreds of years, Ouyang believes that as long as there is no civil strife in the country, Song will gradually become the overlord of the earth's economy. Product production is only prosperity, not strength. Strongness is a continuation of the external role of internal forces.

...

After leaving Yangping Money House, hundreds of meters ahead was Baiyun Square. Surrounding the square was the most expensive luxury goods store in the Song Dynasty. Clothing, jewelry, jade, ceramics, silk, silk, silk, leather, etc. are absolutely top-notch. Due to his identity, Zhao Yu only bought a few sets of clothes and did not try it on the spot. The square faces the left is a residential area, where horses, cattle and sheep are not allowed to enter. The residential area is planned and constructed in a unified manner. The house construction in each area is exactly the same, and the overall look is clear and neat.

Zhao Yu asked: "Is this your policy of selling houses or not selling land?"

Ouyang nodded: "Yes, if you only sell the land, the structures will definitely be different from each other. It may also cause illegal land occupation, which will interfere with the overall layout, beauty and comfort of accommodation. Only selling the house can plan for example, the direction of the gutters and the garbage concentration. Of course, the interior decoration is for the buyer. This also has the advantage that as long as there are few people on duty in the community, public security can be guaranteed. Because there are no dead corners and covers, everything is clear at a glance. In addition, His Majesty saw that each community has a special security guard, and outsiders are not allowed to enter without the permission of the residents. There are a total of 120 houses in this community, and each house has to pay a property fee of 5 kilometres per month. On the one hand, it is the salary of the security gate, and on the other hand, it is the cost of gutter flushing, garbage disposal, planting flowers and plants, building and maintaining fitness facilities, etc.."

Zhao Yu nodded: "No, but I don't know. You said that Baiyun District sells houses, which means that the yamen must first plan and build this place. Do you bring so much money?"

"When you go back to your Majesty, Weichen established the Baiyun District Construction Company. There are several sources of money. One is investment and shares, the second is borrowing from the bank, and the third is pre-sale of real estate. The previous month, the construction company liquidated the profits because the property was basically sold. After returning the profits to the bank loan, the profits will be divided equally with the shareholders."

Zhao Yu asked curiously: "Investing 1,000 yuan, how much can liquidation be divided?"

"Probably... it's about 20,000." Ouyang was sweating. He had already guessed what Zhao Yu's reaction was.

Sure enough, Zhao Yu was shocked and asked back: "In two years, it has increased by more than twenty times?"

"Your Majesty, there are naturally risks. For example, landslides, governments stop, funds cannot keep up, and few buyers. Of course, investment also has returns. We originally expected that everything would be about ten times the profit. But after the market was released, there were many buyers and the price rose sharply. Your Majesty just saw that a unit was originally set for about two thousand, but in the end it rose to five thousand knots."

Zhao Yu smiled bitterly: "Ouyang, do you know how big the five thousand guan is?"

"This... I know something." Ouyang said: "Your Majesty, you must know that the headquarters of Yangping Money House is located in a golden area and is specially designed. The bidding set at that time was 80,000 yuan."

"Wait, 5,000 guan. I believe that there are many rich people in Yangping, but I can't stand ten of them in this community. It's impossible for them to take out 5,000 guan, right?"

Ouyang explained: "Your Majesty, you are back at Yangping Money House. For example, Zhang San bought a house for his mother here, and of course he didn't have that much money. But after the salary in recent years, he still has a few more borrowed a few hundred and one thousand guan. He bought the house with one thousand guan. The remaining 4,000 guan is the loan of the money house, and it can be paid off in fifteen years. It is only more than 200 guan a year, and his monthly salary is 100 guan."

"Oh, that is to say, the money house does not provide a loan, and the house here cannot be sold at all, and it will not be so high." Zhao Yu understood: "As a result, Zhang San had to work hard for many years in vain to be worth this house."

"Well... it seems that's it. Your Majesty sees that the scenery here is good, the public security is good, and even the hygiene is handled by specialists. Another point is that the house can appreciate in value." Ouyang said: "As far as we know, a unit here has now privately speculated to 6,000 guan. Businessmen from all over Tokyo, Hangzhou, and Suzhou are beginning to be moved. We heard that more than a dozen merchants from the Southeast Business Association jointly established Tokyo Real Estate Co., Ltd., bought all the Tokyo streets and rebuilt them. Then, through speculation, they sold all the houses and land."

The successful housing speculation in Baiyun District has allowed businessmen to see the means of getting rich. What? Ouyang knows the real estate bubble, of course he knows, but is this what Ouyang cares about?

"If you really don't have the money to pay the loan from the house, you can also apply for mortgage loans to repay the loan..."

Zhao Yu frowned and asked, "Why do I feel like you are rich people and money houses united to rob the people..."

Ouyang whispered: "Your Majesty, 20% of Yangping's tax and profits paid by the treasury this year come from this."

"That's what you are talking about in the market?" Zhao Yu no longer struggled with this question and pointed to the long row of houses with very high roofs in front.

"Yes, Your Majesty." Ouyang said: "This place is a centralized sale. There are special people to inspect raw meat. If you die of illness, you cannot come in and sell it. This row of houses is connected. Some sell meat, some sell poultry, some sell fish, some sell vegetables. There are also soap beans, poria cocos and other bathing and brushing supplies, cotton thread, ready-to-wear, etc., candied fruits and other snacks. Smoked duck and braised chicken. So whether it is home products or office supplies, you can buy them in it. Even seeds and oxen. To be honest, the business is not good now. But if it is opened by land and the completion of the bridge, the place is even more lively."

On the right is a miscellaneous area, where there are all kinds of vendors, various delicacies, teahouses, stories, jugglings, and operas. Ouyang explained to Zhao Yu that if a man is more capable, women don’t have to worry about their livelihoods, and shopping naturally becomes a woman’s choice of entertainment. Men can also come to these places for fun after work. There are also residential areas in the miscellaneous area, but the prices are much lower than those on the left. However, compared to ordinary people, it is still ridiculously high. In order to ensure the prosperity of Baiyun District, many houses here are money houses and county government industries, and they are purchased and rented. The price is relatively low, only 2 jin of money per month, but the living area is naturally small. The house with a monthly rent of two jin of money is only about ten square meters, but it is also enough for free handicraftsmen to live in.

...

After a long visit, Zhao Yu really gained a lot of insights. When she said that Tokyo is prosperous, it was seen from outside, and there were small merchants and vendors shouting everywhere. Residential merchants were mixed, the roads were narrow and crowded, and it seemed that it was very prosperous. But Yangping was concerned about life. It was already the first time to return to the old county town. Zhao Yu was in a sedan chair and went to the Xincheng Industrial Zone. After seeing all this, she felt that there were very few hundred yamen runners in such a large-scale place, and it was a bit unreasonable to not make Yangping Shengzhou.

Next is to have a meal at Jin Zun, the best Yangzhou master. I heard that he was a master of imperial chef and was better than blue than blue. There are Persian dance, loquat singles, Huangmei opera, popular songs, acrobatic performances, etc., plus the humor of the host of Jin Zun Night, Zhao Yu was very fulfilling on this day.

I don’t know how Zhao Yu is, but Ouyang is tired enough. He went back to Su’s house to drink a cup of tea with Su’s eldest son and went to rest. His bones all over his body seemed to be disintegrating. Shopping is never a man’s strength. But unexpectedly, he just closed his eyes and came to the inner guard to notify the emperor.

So Ouyang struggled to get up, and after all, he would get out tomorrow and would have to hold on today.

When he got to Zhao Yu's side, Huilan was also there. After asking, he found out that Zhao Yu suddenly remembered that he had never seen Huilan, so he came over. The two chatted for a few words and talked about Baiyun District. When talking about Baiyun District, they naturally talked about those clothes. Then Zhao Yu asked Ouyang to come over and design a few sets of clothes. Zhao Yu went for a trip today and felt deeply that he was rustic. The clothes he wore were worn by his mother.

Huilan is much more beautiful, with a black suit system, plus a tie and a simple shawl, and her temperament is so impressive, so Ouyang stayed up all night and designed a turtle-necked modern wedding dress according to his memory. He didn't go back to bed until the fifth day of the day.

After sleeping for more than an hour, he was woken up by Zhang San, saying that he was the emperor's horse and returned to the palace, so Ouyang naturally wanted to send him off. He finally sent Zhao Yu away at noon. Ouyang returned to Master Su's house to take a shower and have a good time sleeping until the next morning. As for the Ou Mansion, some things had to be removed before they could be moved back. He thought it was on holiday, but he didn't expect that Song Huizong, who had returned to Yangping, called Ouyang again.

When Ouyang heard that Song Huizong was looking for him, he knew it was related to Liu Sinu, so he brought several yamen runners from the prison hall to Song Huizong's villa in Yangping University. Seeing that all the inner guards had been replaced by new people, they all knew Ouyang and were very polite to Ouyang.

Song Huizong was not so polite, so he used Ouyang to scold Zhao Yu, and then asked fun: "Sir Ou, do you know why Liu Si Nu lives in Tokyo?"

Oh? Does Song Huizong know the answer? Ouyang Daxi asked: "The Supreme Emperor, what's going on?" If one of the two puzzles is solved, the Yangping corpse sinking case will likely have clues to the surface.

"You retreat." Song Huizong said calmly.

Several inner guards looked at each other and said together: "Yes"

"Don't" Ouyang said hurriedly, he didn't want to chat with Song Huizong alone, as it would cause trouble.

Song Huizong shook his head: "That can't be said."

"...that's a gentleman who would rather not listen." It seems that the water is too deep. I don't want to be a victim of politics.

Song Huizong said disdainfully: "What are you afraid of her? Without you Ouyang, how about Zhao Yu?"

Ouyang Khan said: "I am leaving."

"Please give me a favor" Song Huizong did not try to keep him.

...

When I came out, several prison halls said: "Sir, why don't you stay? Then you can crack the first mystery."

Someone said, "Idiot, I heard it privately. No matter what I say to the emperor, the emperor will not believe it."

Ouyang nodded: "Although I have been with the Supreme Emperor, I have never been alone with him. Since the Supreme Emperor is unwilling to say it clearly, we will investigate it ourselves and go back to the yamen."

"yes"

When he returned to the yamen, Zhan Ming was already waiting. Zhan Ming said, "You go out first, I have something to say to the adults alone."
Chapter completed!