Chapter 936: Economic and Financial Interlocking
The four brothers knew how profound the Xiaqiu Village was. Their father had given them such a large piece of land, but the people nearby did not have enough manpower to farm it.
Xiaqiu Village has always used those lands to grow medicinal materials, cultivate seeds, grow pasture and improve livestock and poultry varieties.
All other industrial technologies were given to Daming. The village did not keep any money for itself. With abundant cash flow, it made investments with a long payback period.
For example, the village spent its own money to build the coastal road from Huangchi River to Danyang Lake, and helped expand economic forests and cultivated land for planting and soil and water conservation at Shijiu Lake.
According to the model of Xiaqiu Village, it will take thirty years for an investment to be completely repaid, and no businessman will learn to do this.
This return on capital is not based on the amount of capital invested. It includes currency depreciation due to inflation and normal borrowing profits, and is calculated as compound interest.
For example, for thirty years, the currency will depreciate by 1% every year, and the interest on the loan will be 5% per month, not 3%.
At first, the stipulation was that the monthly interest rate should not exceed three cents. Later, the senior person from Xiaqiu Village sent me a question book, and the money was very low.
It is the interest on money voluntarily borrowed by the gold and silver shop managed by the imperial court, which is 5% per month and 6% per year.
Xiaqiu Village calculates the thirty-year investment and reporting cycle in this way, that is, in terms of currency depreciation, one percent per year for thirty years is 74 percent, and an additional percent is needed. Twenty-six.
Ten thousand guan in thirty years turned into 12,600 guan. There were fluctuations. The sudden depreciation was severe, and the loss had to be made up.
There is no compound interest within one year for monthly interest calculation. There is compound interest between years, that is, 5.74 times.
Then this multiple is multiplied by the multiple of currency depreciation, and the data is seven point six one two three.
If you invest 10,000 guan this year, you should have 76,123 guan in thirty years.
The money is after deducting all costs, which include labor costs, maintenance costs, depreciation costs, tax costs, working capital possession costs, and non-recurring profit and loss costs
If you look at it carefully, you can see that the profit is not huge at all. After including all possible impairments, after accrual, a profit of 7.612 times will be obtained in thirty years. This is the return ratio of Xiaqiu Village. .
Normally, this is not the calculation. If it were true, everyone would be doing this, and who would be engaged in finance?
Xiaqiu Village just followed the calculation, which made people feel that they were at a disadvantage. Well, with the ability of Xiaqiu Village, it will take thirty years to earn seven times more.
Everyone thinks about their own things. Zhu Wentian’s idea is simple. Seven times more is normal in thirty years, and Xiaqiu Village has not taken any advantage. Cheap.
Because the next few years will be a period of technological and economic explosion, Xiaqiu Village has chosen the route of not promoting inflation and serving the country and the people.
This is only for this investment and does not represent all investments in Xiaqiu Village.
Same as treasury bonds, it has a fixed interest rateInterest or floating interest depends on the degree of inflation and the method of interest payment.
The fixed interest rate is 6% per year, and the interest is paid every six months. So after thirty years, it will definitely not be 6% as a whole.
The interest paid half a year can be reinvested, and the interest is compounded.
Or the fixed interest rate is 6% when you buy it, and this treasury bond can be used as a mortgage loan, a fixed interest rate loan, with an interest rate of 8%.
As soon as the mortgaged money was obtained, inflation hit the market. In order to cope with inflation, the reserve requirement ratio was raised.
Banks have to raise deposit interest rates to stabilize reserves and adjust interest rates on floating loans.
When it reaches 10%, put the mortgage loan money into it. In this way, you can earn an extra two percentage points while guaranteeing a fixed interest rate of 6% on the national debt.
It mainly depends on whether it is fixed or floating, the degree of currency depreciation and whether anti-inflation is purchased.
It is quite troublesome to calculate, but as long as there are rules, it can be calculated.
What Zhu Wentian calculated was to avoid risks and earn more than seven times in thirty years. This was for the Ming court to see.
This investment is not an investment of all the money of Xiaqiu Village, but a part of each store and the factory behind it.
Next, Zhu Wentian plans to let all the independent stores in Xiaqiu Village carry out cross-shareholdings with each other, and combine two-by-two with two-three, three-four, four-five
etc. In the store joint model, the new economic entity after the union once again cross-shares with other economic entities.
Then each original store will cross-sharehold with each operating entity individually, and even a new economic operating entity will be established.
Different companies, subsidiaries of different companies, different subsidiaries, independent or non-independent
They continue to have cross-shareholdings, mutual guarantees, related transactions, Fund lending and capital betting
The purpose of this is not to make things difficult for the imperial household department, but to teach them how to sort out the relationship in this regard.
At that time, some businessmen think they are smart and try their best to create cross-shareholdings to avoid tax audits.
As a result, when I met the auditors from the Household Department who had been tortured almost crazy by Xiaqiu Village, the people from the Household Department would sneer and say, "Why don't you just use this and I'll teach you hehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehe" >"It seems that it is not easy to find food from the river. The tools of the fishing industry are too backward, and many ordinary fishermen cannot catch them."
Zhu Fan talked about the advantages and disadvantages of technology. This kind of industrial technology can only be done by fishermen relying on their own experience and skills.
The team came to the Fenshui River, where a small steam engine boat was trawling to catch fish in preparation for today's noon and evening.
There are also fishermen here. The fishermen row small wooden boats and then throw spinning nets. They are made of hemp rope and have lead pendants underneath. When they are thrown out, they create a big circle.
The rotating net has a characteristic that it will leak fish. Before the lead pendant is closed, it mustIt is necessary to ensure that the fish is within the closing range of the net.
A fish that is too big cannot be brought up with the rotary net. When it is pulled up, the fish will fall down.
The rotary net is a lifting and pulling type net. Before and after being gathered, fish may leak out of the net mouth.
Small steamboats are not, they are nets, and any fish larger than the mesh size will be caught in the nets.
The spinning net is not just thrown out casually. It needs to look at the water flow, the swaying of the river surface and the shadow in the river under the sun, the air pressure, and the underwater conditions.
Generally, there are many fish at the junction between shallow water and deep water. When the water flows, they will rush downward, and then there will be more oxygen, so the fish will run there to breathe.
When the air pressure is low, the fish is close to the water surface, and when the air pressure is normal and the sun is sufficient, the fish will sink. Anyone who casts the net must understand this.
Fishing people use their experience and skills to make a living by casting their nets. Steam engine trawls are unreasonable and just turn back and forth.
“So today at noon we eat smoked fish cakes, which are similar to the bacon cakes we eat at home, right?”
The fifth child, Zhu Ru, was not thinking about people’s livelihood at all. Think about what to eat for your next meal.
If there is a shortage of meat when eating noodles with soybean paste, people need to supplement the meat. Buying other meat in large quantities will increase the price of local meat.
Only eating fish is the most convenient. There are a lot of fish in the current season, and grass carp, carp, and bighead carp can all be smoked.
The head of bighead carp does not need to be smoked. It has a big head. If you eat the head alone, you will sweat a lot in hot weather and need to add salt. Then braise it with sauce. Otherwise, steam it with black bean paste. Please remember to collect it, the latest and fastest website without anti-theft, free to find books and add books, you can join the qq group 952868558