Chapter 666 Character determines style in Wuzijuan

Baochai's performance today alone is enough to make Feng Ziying have a better impression of her.

 It is so rare to be able to fully understand Yatou Lin's identity and situation, and at the same time think about Yatou Lin's life after death.

This point alone either shows that Baochai's mind is pure and kind, or it proves that Baochai is generous.

With a slight emotion in her heart, Feng Ziying felt that she really had chosen the wrong person.

Although both Qi Yongtai and Guan Yingzhen were interested in setting up matchmakers for them, the women were all legitimate daughters of gentry and celebrities from the capital or local areas. Of course, at that time, they only knew that they wanted to have a second wife, so they were interested in the daughter of the Shen family. Feng Ziying went to another room outside, but even with the possibility of three bedrooms and a living room, Feng Ziying did not consider anything else.

 The impression Baochai gave her was indeed too good, even no less than that of Daiyu.

After getting in touch, Feng Ziying liked Baochai's precocious but not philistine, cautious but kind-hearted temperament very much. There was an indescribable sense of complementarity with Daiyu's sharp, sharp, innocent but sensitive and delicate temperament.

A comment that was both ruthless and touching made Feng Ziying think about it for a long time.

Nodding slightly, Feng Ziying said with a smile: "Sister Bao has really thought it through. Well, then please continue, Sister Bao."

"Then there is the shop. In addition to the capital, my idea is Yangzhou, Linqing, Suzhou and Jinling. In fact, these four cities can be purchased. I took a look at the different cities provided by Brother Feng. The price and rent of the location, combined with the convenience of daily rent collection in the future, I think the capital city is still the first choice, followed by Linqing and Jinling, and then Yangzhou and Suzhou..."

Feng Ziying laughed, "What's your reason, Sister Bao? Is it still the same as buying land?"

"Not entirely." Baochai did not follow Feng Ziying's idea. "The reason why I purchased the fields is that I think the fields are the most valuable. This can be seen from the rising price of the fields for thirty consecutive years. Among them, There was only a slight decline in three years, but it basically went back up in the second year. This was the reason for purchasing the land, but not entirely for the shop..."

 Feng Ziying and Tan Chun both listened attentively, which made Baochai feel a little proud. This showed that the strategic plan he had made had won their approval.

"Actually, comparing the selling prices of shops in the past ten years, we can see that their growth rate is not high, but it still basically shows a continuous upward trend. But Xiaomei thinks that what is more important is the tightness of its rents and rentals. This is also A key point, needless to say, is the capital city. This can be seen from the population growth in the capital city in the seventeen years from the 30th year of Yuanxi to the fifth year of Yonglong. The younger sister is not sure about the annual growth rate of the capital city's population, but Brother Feng Tell me that the population growth of Capital City in the past ten years alone has exceeded 30,000 households and 80,000 people. Brother Feng also told me that the increase in the population living in a city will definitely bring about an increase in the demand for various livelihoods, whether it is Selling cloth, food, jewelry, selling southern goods, wood, and rouge and gouache will all grow, which means that the demand for shops will grow, especially those who are in power and in good locations..."

Only then did Tanchun realize that in the past ten days, not only had she often asked Brother Feng to ask questions and learn about the situation, it turned out that Sister Bao had also been looking for Brother Feng to ask these questions, but he still underestimated it. Sister Bao is so competitive.

Baochai's suggestion was to purchase 16 shops in the capital city, spending 80,000 taels of silver, mainly near Nanxunfang Naizifu, Dashi Yongfang Old Curtain Alley, Shichong Yongfang Huichang Street and Shichang Street, Anfu Xi'anmen Street; purchased 12 shops in Linqing at a cost of 22,000 taels; purchased eight shops in Jinling at a cost of 23,000 taels.

"Sister Bao, it seems that you are the most optimistic about the Capital City. Well, I said that the population of the Capital City has grown rapidly in the past ten years. What is the basis for the purchase of shops in Linqing City and Jinling City?" Feng Ziying's investment in Baochai I am still very interested in financial management ideas, and this precious sister’s investment and financial management are quite sound.

"Linqing is an important port of the canal. Brother Feng also said that there are many merchants coming and going here, and it is also an important distribution center in Shandong. In addition, the Feng family has enough connections here and can better take care of and manage it. As for Jinling, it is the center of South Zhili , the Jia family and the Xue family still have some connections in Jinling, and they can also help Sister Lin look after her..."

Baochai's cheeks were slightly red, and she looked even more fond of Feng Ziying in her eyes. She couldn't help but praise: "My sister is thoughtful."

Baochai pretended to be calm and brushed the hair hanging down from his forehead, and smiled sweetly, "Since I am planning for Sister Lin, I naturally have to think carefully. In fact, I originally thought that I could buy shops in Ningbo and Quanzhou, but I just But I thought it was too far away to take care of, so I gave up.”

“Oh? Sister Bao is very optimistic about Ningbo and Quanzhou?” Feng Ziying raised her eyebrows.

"Brother Feng said that as the imperial court opens the sea, Quanzhou, Ningbo and Zhangzhou will become the centers of future sea trade, and shipping companies will also be built here. This also means that these cities will also usher in a prosperous future. , if you buy a shop here in advance, there will definitely be great gains and profits..."

Feng Ziying laughed. It seems that Baochai is still very optimistic about the commercial real estate industry and can actually consider the problem from the perspective of urban industrial development.

“Well, apart from these two biggest expenses, Sister Bao also suggested buying 50,000 taels of Kaihai bonds. How did you consider this?” Feng Ziying did not expect Baochai to think that it was okay to buy Kaihai bonds.

Kaihai bonds are divided into three-year, five-year and ten-year terms, but to be honest, the interest rates are not high. According to the basic principles, the annual interest rate for the three-year term is only 1.8%, the five-year term is 2.1%, and the ten-year term is 2.8%. %, which is quite cheap.

"Didn't Brother Feng say that Kaihai's prospects are very promising, and that the imperial court used import and export tariffs as collateral? There must be no problem with the credibility of Kaihai's bonds. Although the interest rate is lower, it is backed by imperial tariffs. Mortgage and bonds are easy to carry, can be transferred, can be easily liquidated, and there is interest, so it’s better than burying money in the ground, right?”

Baochai's rhetorical question made Feng Ziying couldn't help but nod. This seemed to be based on her reputation.

He said that the momentum of opening the sea is very good, so the other party feels that the redemption of the bonds of opening the sea is definitely guaranteed. However, although the momentum of opening the sea is good, for the imperial court, the redemption of the bonds may not be what it is willing to pay if the conditions of opening the sea are good. It depends on the attitude of those in power towards such situations.

 In addition, it also depends on whether there are any other accidents and emergencies.

For example, when the payment is about to be made, the Jurchens suddenly invade the customs, or a rebellion breaks out in the southwest. Are you still willing to make the payment after asking the emperor, the cabinet, and the Ministry of Revenue?

Feng Ziying feels that it is difficult to say how well the public officials in the DPRK and China understand financial credibility.

"Well, the remaining arrangement is that in addition to retaining 10,000 taels of cash, Sister Bao thinks she can invest in Linqing's tribute bricks to make a living and open a brick factory?"

Feng Ziying knew that this matter had a lot to do with the Linqing tribute brick industry that she had mentioned on the way to Yangzhou. She told them that the supply of Linqing tribute bricks was currently in short supply, and that many brick kilns were raising funds to expand production and build new brick kilns, but this The group not only needs capital, but also technology, and some connections. Otherwise, there will be many obstacles when transporting through the canal.

"Well, Brother Feng and Third Sister must know this reason. Brother Feng told us so much on the way, and Linqing is the hometown of the Feng family. There will definitely be no problem if we invest in this aspect. ,…”

Baochai nodded.

 It can be seen that Baochai believes that the Lin family's assets should mainly focus on stable income. The only industrial investment is Linqing Gongzhuan, which he is optimistic about and is right at his doorstep. However, this is in line with Baochai's calm character.

"Brother Yu has roughly understood my sister's plan. It's very good." Feng Ziying looked at Tanchun, "Then let's take a look at the third sister's plan. I feel that the plans of the third sister and sister Bao are very different."

Feng Ziying's words made Tanchun nervous.

In fact, neither of them had seen each other's plans before. It was not until Feng Ziying asked Baochai's suggestions one by one that Tanchun realized that Sister Baochai's ideas and opinions were indeed very different from his own, and could even be said to be completely opposite.

However, Tanchun still firmly believes that her plan is better than Sister Baochai's. Feng Ziying can see this from the stubborn corners of Tanchun's mouth. This girl is not convinced by Baochai's plan.

“Well, Third Sister’s first suggestion is to spend 100,000 yuan to invest in Haitong Bank. Wow, Third Sister is making a big deal. More than 30% of the money is invested in Haitong Bank. Third Sister, can you tell us what you think about it?”

To be honest, Feng Ziying was shocked by Tan Chun's suggestion. He didn't expect Tan Chun to be so optimistic about Haitong Yinzhuang.

Tanchun had repeatedly inquired about the scale of Haitong Bank and the channels and methods of making profits before. Feng Ziying didn't pay much attention to it at the time. He deliberately concealed the scale and shareholder composition, but he told the whole story about the purpose and operation model of establishing Silver Bank. , also introduced that in the future this bank will take over the imperial court's land tax collection.

However, after seeing that Tan Chun's first suggestion was to invest 100,000 taels of shares in Haitong Bank, Feng Ziying understood that this girl was sure of the future prospects of Haitong Bank.

"Brother Feng, Sister Bao, if this is not Sister Lin's family property but my own family property, then I will choose to invest 150,000 taels in shares, because I feel that as the first such unprecedented bank in Dazhou, , and with the support of the imperial court, and at the same time, Yinzhuang, which is closely related to Kaihai, as long as the Great Zhou Dynasty survives, it can be expected to prosper and its profits will continue to flow..."

The confident expression on Tanchun's face made Baochai couldn't help but feel a little envious, although she didn't quite agree with Tanchun's point of view.

 In fact, she also asked Feng Ziying about the situation of Haitong Bank, and Feng Ziying gave the same answer, but she felt that Tanchun probably only saw the huge benefits and ignored the risks.

 (End of this chapter)