The processing plant is very busy. Since the beginning of spring, mackerel, small yellow croaker and hairtail have swam from the Yellow Sea to the Bohai Sea. Therefore, the fishermen in Qingdao Port have caught a lot of fish these days.

In addition, there are some herring and cod, but the number is not large. Several fishermen have caught tuna weighing two or three hundred kilograms at two ends.

Most of these fish are killed in the processing plant, and then they are directly marinated with the salt produced in Laizhou Bay, and then marinated to dry. Or smoked.

After processing, it can be shipped to other places for sale and it can also be sold in the fish market in Qingdao Port. Those merchants from other places can wholesale in the fish market.

Fish that cannot be pickled and cannot be stored for too long are sold to traffickers at ports, some are transported to major markets in Denglai, and some are transported to Jinan and other places.

After receiving the fish flood from the south, the fishery in the Bohai Sea was also ready to open. The fishery ports in the Bohai Sea were divided into four regions: Dengzhou, Longkou, Yantai and Weihai.

Yantai's ginseng has begun to produce, which has triggered the rush to buy by traffickers.

As for the Denglai market, Qingdao is undoubtedly the most prosperous one.

Not only are salt merchants from other places who come to buy salt, but also Shandong merchants and even Hui merchants gathered here. In addition to selling salt, they also buy Qingdao's maritime trade products or transport maritime trade products to Qingdao.

Qingdao is the main port for trade with Japan. In order to speed up the removal of goods, Zhao Yan set up a market in Qingdao to sell goods transported from Japan.

Those merchants who come to Qingdao to buy salt have much more choices. Now they can not only buy salt, but also buy seafood from Qingdao and sell Japanese goods back.

After the beginning of spring, more and more merchants came to Qingdao to buy goods, the most of which were Lu merchants. The merchants took out the backlog of Japanese goods as soon as possible and once invited them.

It was still as before, and first invited me to have a meal, and then I gave a way out of the way.

These Japanese goods were still very popular in the Ming Dynasty. In the past, these goods were mainly controlled by Zheng Zhilong, and people could only purchase goods from Zheng Zhilong.

However, it can be bought in Qingdao now, and even more of them are bought than Zheng Zhilong.

There are also many Hui merchants who come to Qingdao to do business. Hui merchants have a spirit of hard work and can be found in almost all places. Although Zhao Yan unites with Shandong merchants, he does not reject Hui merchants.

His relationship with Hui merchants can be said to have competition and cooperation.

Competition is in the salt industry, and cooperation is in the commodity trade.

These Hui merchants came to Qingdao and often transported the goods needed for maritime trade from other places. Before, Zheng Zhilong controlled the sea trade network alone. Merchants from all over the country had to go through Zheng Zhilong's trade network if they wanted to sell the goods overseas.

Now Zhao Yan is also involved in the sea trade, which undoubtedly has an extra financial opportunity for the workshop owners who produce goods in various places.

However, in general, there are not many merchants coming to Qingdao from other places, and the most profitable maritime trade goods are often out of stock.

Therefore, the main commodities exported to Japan are cotton cloth and ironware. In the past two months, sometimes dried sweet potato flour has become one of the exported commodities, of which 60% of the goods are cotton cloth, and the profit is about 250%. The profit algorithm is to deduct the profit of the textile factory and the profit reaches 5 million taels.

The profit of steel products also reached 4 million taels.

From the first lunar month to February, the average eight clippers did not trade with Japan eight times, and the average round trip took only 7.5 days. The total weight of goods transported to Japan was 15,000 tons, and the cargo transported back reached 16,600 tons.

These clippers usually act alone. After all, at the speed of clippers, even if they are filled with cargo, the speed is surprisingly fast, and it is almost impossible for those pirates to catch up.

With such a high speed, no escort is needed anymore.

The six armed merchant ships that were originally snatched from the Dutch were collectively touched. The five armed merchant ships were also equipped with rifled artillery. They were already self-helpful at sea, but to be safe, they were still collectively touched.

Within two months, the fleet had traveled back and forth twice, transporting 4,000 tons of cargo, and the cargo transported back and forth reached 8,000 tons.

Among them, 70% of the goods transported were Japanese brass, with a value of 3.605 million taels of silver. After all, Japan is a small country, and it is impossible for the goods to gather so much at once, so brass has become the main target for transport.

The total profit reached 18 million taels, which was extremely crazy. However, the rapid trade also exposed extremely sharp problems.

That is, the cargo backlog is serious.

So far, nearly 10 million taels of goods have been accumulated. Although the 8 million taels of silver shipped from Japan can support it.

At the same time, the profits of trade in Japan have also begun to decline. For example, the profits of cotton cloth have begun to dive, and other commodities are better.

The reason why trade in Japan is so crazy is that the trade between the two sides was in a thirst stage before, and Japan flowed into a large amount of silver from the hands of Westerners.

As Japan's silver becomes less and less, profits will further decline. After both sides are balanced, profits will become like the south to the north of the Ming Dynasty. Although there is profit, it cannot reach a crazy level.

However, Japanese brass, saltpeter and sulfur should be able to last longer, and there should be no problem with supporting it for decades. Although the profits of cotton cloth have begun to dive, no matter how low the profits are, they will not be lower than the price sold in the Ming Dynasty. It is a good place for commodity dumping.

Commodity is a means of colonial exploitation.

Of the 10 million taels of goods in the backlog, nearly 4 million taels are brass. It is easier to get rid of these brass, while the remaining 6 million taels of Japanese goods need to be trafficked by merchants to sell them everywhere.

The system of the commercial bank is far from being fully deployed, and the bank has not yet been established and does not have enough financial resources to retail these goods. Therefore, wholesale of these goods to other merchants is undoubtedly the best choice.

The dumped products soon had another product - socks. The Institute of Science and Technology successfully developed a knitting machine after the New Year, and the efficiency increased by more than fifty times.

Zhao Yan ran to check with joy. The quality of the socks woven by the knitting machine is not as high as that of the hand-woven socks. They can only occupy the mid- and low-end market with their price advantage and need further improvement.

These socks are obviously very good in exports. Zhao Yan immediately rewarded the member of the Science and Technology Academy who developed the knitting machine, and gave him a full 3,000 taels of silver.

However, the funding of the Textile Machinery Research Group was issued by the Institute of Science and Technology, and the patent was completely owned by Zhao Yan.

The capital of the textile industry has reached 5 million taels. Last fall, 2 million dans of cotton were collected from various places.

Cotton was sold very well the year before yesterday, so cotton production in various places has skyrocketed. Without the rampant thieves in Henan, cotton production began to rise rapidly.

The cotton planting area in Shandong has also been significantly stimulated. Last year, cotton was planted almost everywhere in the traditional cotton planting area of ​​Xisanfu.

Qingzhou and Laizhou also had cotton planting last year. After seeing the profits, many landlords planted cotton one after another. Shandong has produced more than 2 million dans of cotton.

The price of cotton in the fall of last year was a bit dived. The textile factory under Zhao Yan only purchased cotton in Shandong, and the price was only two taels per tumble, as long as the cotton farmers did not need to process the cotton seeds.

The textile industry in the south suffered a certain blow last year, but the blow was not very big. After all, it only acquired 800,000 dan last year, and this amount of cotton cloth accounted for less than a share in the Ming Dynasty.

Cotton output in Hebei immediately filled the demand gap in the southern textile industry. In addition, as the trade with Japan began to develop last fall, cotton cloth began to dump into Japan, and not many people flowed into the Ming market, so the southern textile industry began to recover quickly.

The price of cotton cloth in Japan has begun to dive, and the prices have been falling again and again. Japanese textile workers have already felt that their yarn and cotton cloth are a little difficult to sell.

...In order to adapt to business development, in early March, a silver note that satisfied Zhao Yan was born.

This silver note is made of special paper and has an original watermark.

The front and back sides are printed with the preface of Lanting and the two poems in the Drunken Wing Pavilion. The stereotypes of these two poems are both asked to carve master characters, but it is very difficult for others to copy them.

The banknotes are used for remittance. If a merchant wants to transfer the money to another city, he will first store it in the bank, issue a bank note, write the amount on it, and then separate it in half, and quickly deliver it to the destination, and the customer takes the other half to the designated destination to collect it.

This is relatively urgent and has remittance services for specific destinations. If it is not in a hurry, you can exchange them for silver at banks in various places.

Just like in the Song Dynasty, each bank set up a banknote detector to specifically identify the authenticity of the banknotes. The denomination amount is divided into five types: fifty taels, one hundred taels, one thousand taels, ten thousand taels, and one hundred thousand taels.

A 1% fee is charged for a silver note.

In addition, it is deposit business, which is the bank's fundraising function and the most important function of the bank. If the depositor deposits in the local bank, the bank will send a passbook and the customer will set a password. If it is still tight, the customer can specify the identity of the withdrawaler. When withdrawing the money, the password must be correct or the identity must be correct before the withdrawal can be withdrawn. At the same time, within a certain period of time, you can only withdraw money from the local and surrounding banks (prefectures, provinces). One year later, you can withdraw money from the Denlai Bank nationwide.

Deposits can receive interest, and the interest level depends on the specified deposit time. If there is no fixed deposit, the interest rate for every two silver is 5 cents per month, that is, 5 copper coins. After a year, depositors can generate additional income of more than 6 cents of silver per tael.

For one year period, the interest rate will be increased to 6%, for three years period interest rate will be 7%, and for five years period interest rate will be increased to 8%. Depositors can also redeem it in advance, but the interest rate will be reduced to 5%.

For example, one thousand taels of silver is stored in the bank, and the deposit is for five years. When the first year is settled, there will be a profit of 100.3453176823001652153010831849 taels.

The profits are very considerable. Whether it is a prince, prince, noble, noble, or ordinary people, they can make profits from it, and the silver they store in the bank will be used for loans.

The loan interest is 10% in half a year, 12% in a year, 14% in two years, and 16% in three years. There are two types of loan methods: credit loan and mortgage loan.

Such interest is much lower than usury.

Credit loans are generally not open to the public, and the required loans need to be mortgaged with property. Only various departments under Zhao Yan can make credit loans.

The reading ability of each department is calculated, so even the departments under Zhao Yan have to pay interest if they want to make a loan.

The bank's network system is provincial, government and county level. County-level banks pay storage information to government-level banks every month. Government-level banks summarize storage information to provincial-level banks every three months. Provincial-level banks summarize information to head offices at the end of each year.

In other words, one month after the depositor deposits at a county-level bank, he can withdraw his deposits at a government-level bank, three months later, and one year later he can withdraw his deposits at a provincial-level bank.

"If these banks have laid out networks in various parts of the Ming Dynasty, our departments will be able to mobilize much more funds. At that time, we can spend tens of millions of taels a year to build ships and tens of millions of taels to develop the textile industry." Zhao Quan could already think of the situation when there was enough money.

Even though the fiscal revenue last year was good, if this amount of funds wanted to develop comprehensively, it still could not fully improve the expansion efficiency.

"It's too early to do it now. We still lack manpower and experience. We have to try it out for a few years. After cultivating enough manpower, we can expand nationwide." Zhao Yan shook his head and said.

"Then we will set up a few companies in Denglai and Jinan now."

"Banks are the top priority, the rules must be strict and personnel must be trained strictly. We will first establish the head office in Zhaojiabao, Huangxian, Qingdao, Dengzhou, Laizhou, Yantai, Weihai and other places, and open one in Jinan and Shanghai, so we will not expand out for the time being." Zhao Yan decided, "After all, our main purpose is to raise funds now, and the business of banknotes and remittance is also optional."

(To be continued)
Chapter completed!