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Chapter Thirty: Borrowing Money

There are more expenditures. The number of workers and craftsmen in the Military Arts Bureau reached about 20,000, mainly in the production of muskets, artillery, gunpowder, ammunition, and armor.

The monthly labor expenses reach 80,000 taels, and the monthly research expenses of 10,000 taels are required to spend 1.08 million taels a year.

The monthly cost of raising horses reaches 30,000 taels, and the annual expenditure is 360,000 taels, and the annual expenditure is allocated 500,000 taels, and the annual expenditure will reach 1 million.

In terms of military farming, it is estimated that it will be self-sufficient next year, and there is no need to pay any more silver, but there will be 500,000 taels there as reserve fund.

In terms of military expenditure, there are 15,000 front-line troops, and the monthly military expenditure (military pay, equipment maintenance) is about 60,000 taels, and 720,000 taels per year. In terms of death pensions, real estate can be converted, so it is not included in the fiscal budget.

The second-line troops spent 3 million taels of military expenditure.

In the Navy's budget, Zhao Yan allocated 300,000 taels to the Navy, and in the maritime trade, he had to spend 500,000 taels of funds as principal.

If you want to get into trouble in the Ming Dynasty, it is necessary to bribe officials, and you have another budget of 300,000 taels.

Roughly speaking, it takes 7.4 million taels of funds to spend a year, plus the 20,000 sets of plate armor required by Lu Xiangsheng, which reached 7.7 million taels.

"This year we have to make at least 7.1 million taels of silver. It is impossible to make 10 million taels of private salt this year. However, the bottom line of 4 million taels must meet the standards, which may be a bit difficult, but it is artificial. Glass mirrors must earn 5 million taels of silver. It should not be difficult to meet the standards in this regard." Zhao Yan set the indicator, "This year our main energy must focus on private salt sales."

"Young master, you have to be cautious in terms of budget. Private salt may not be guaranteed." Zhao Quan said.

"The second-tier troops can be formed, but the equipment must be taken slowly first, and the 2 million in the budget will be deducted first, leaving a room for insurance." Liu Heng thought for a while and said, "The second-tier troops are used to deal with thieves. As long as they have enough discipline, the equipment will generally be competent."

"Yeah!" Zhao Yan agreed to this suggestion, first withholding 2 million wiggle room to avoid breaking the capital chain. "Tomorrow, I will send invitations to those Shandong merchants and borrow money from them."

"Sir, aren't our money enough? Why do you ask them to borrow?" Zhao Yong asked in confusion as he listened.

"It's not difficult to borrow and repay. Now we don't have to borrow too much, but we have to be on time. Just borrow our credit a few more times. When we really lack money in the future, it will be much easier to ask them to borrow." Zhao Yan explained.

"Oh! I'm still smart, sir." Zhao Yong then smiled.

...

Zhao Yan sent a letter to Zhu Dadian in early April, and secretly sent 20,000 taels of silver. The letter mainly congratulated him and asked him to take care of him in the Jianghuai area.

Zhu Dadian quickly sent a reply, congratulating Zhao Yan on his promotion to the rank of General Denglai, and said that he would take care of Yi and Er in Yingzhou's garrison and Jimin Commercial Bank.

Zhao Yan and Zhu Dadian were in a relationship, but because of money, it was pretty good. This time, Zhu Dadian became the governor of the four prefectures in the Jianghuai area, so Zhao Yan naturally had to use him more places.

Zhao Yan was promoted to Shandong General, and used this to hold a celebration banquet and invited all the merchants from Shandong, all over the place. During the meal, Zhao Yan made a request to borrow silver.

Those businessmen looked weird. The Zhao family sold so many glass mirrors, was it still short of money?

Although they felt strange, they still borrowed money. Although everyone had some concerns, they all had some.

It is impossible to not be able to pay back it. The Zhao family has glass mirrors, so how could they not be able to pay back the money? They just make more money to pay off.

The problem is that these businessmen are afraid of being blackened by Zhao Yan. After all, Zhao Yan's identity is different now, but General Denglai, who holds troops.

Although it is unlikely to think about it carefully, there are still some concerns, so although they all borrow money, they don’t pay much. This time, Zhao Yan borrowed more than 300,000 taels of silver and returned them three months later. The interest rate was very low, so low that these merchants didn’t even see it.

During this banquet, a new glass mirror sales plan was set up.

The price of glass mirrors was lowered. The price of glass mirrors with the smallest surface was only ten taels of silver, about the size of a slap. Then the specifications gradually increased and the price continued to increase.

It is divided into nine specifications: ten liang, thirty liang, eighty liang, one hundred twenty liang, three hundred liang, five hundred liang, eight hundred liang, one thousand two hundred liang, and three thousand liang.

There is also a clear positioning in terms of market retail prices, and retail profits cannot be reduced by 30%. For example, a mirror with a 100-two-one side cannot be sold at a price of 1300.

This new rule has caused these Shandong merchants to suffer a little, but they have to accept that the profit of 30% is still considerable. If the market expands, the money they can earn will definitely be more.

And those mirrors that are still on sale can be removed from the shelves and recalled, and will not cause any losses to them.

In addition to glass mirrors, Zhao Yan has also launched a new glass product - a skylight.

This is a kind of glass with curves like tiles, which is installed on the roof, and light can be created from above during the day to make the room bright.

In the era without glass, the atmosphere inside the house was pitch black even during the day, especially the houses of poor people.

Rich people's houses may be better and will create some light facilities, but they cannot create light sources from the top of their heads.

This kind of skylight costs 300 taels of silver at one side, and currently focuses on luxury goods. Rich people often spend money on building houses.

A businessman saw the business opportunity and took out 50,000 taels of silver on the spot and purchased nearly 200 sunroofs.

In addition to the skylight, there are also glass windows.

Zhao Yan would never sell flat glass, so these glass windows are printed, with some of them flat on them, and they can be printed in a short section. It is almost impossible to change this thing into a glass mirror.

Glass products are currently made of handicrafts and a small number of utensils. These glasswares are not easy to sell, and sometimes they are not as rare as anything.

Although glass cups and bowls are transparent, they are obviously not as thick as porcelain, so the sales volume has never been very good. However, some people also look at it, so they pay for money to buy it, but it cannot cause a big sale.

The crafts are still selling well. As the craftsmen's craftsmanship becomes higher and higher, some difficult crafts have also begun to be made. Although such crafts are not heavy, their shapes are often amazing and the price is not very high, so the sales volume is still good and has good commercial potential.

As for telescopes, they are prohibited from being sold as military instruments. Each of the company-level officers is equipped with one, and the scouts are equipped with a large number of telescopes.

This thing is very practical on the battlefield, and can detect enemy deployments in time and adjust response tactics.

The profits in glass have reached 5 million taels this year, which is probably not difficult. After all, glass mirrors have formed a trend of comparison in the Ming Dynasty.

Who doesn’t buy glass mirrors for those wealthy families? This is a symbol of honor. Often, a glass mirror can arouse many people’s surprises and praises, and make the owner feel more respectful.

The price reduction of glass mirrors will not destroy this comparison. After all, glass mirrors have specifications. The higher the specifications you buy, the more combat effectiveness you have. Scrolling them into the living room will definitely make people envious.

...

After two years of development, Zhao Yan has set rules in all aspects, and many things are just left to the people below to do.

However, he had to personally launch the training of the navy and the improvement of textile machinery.

In the early summer of the eighth year, the Ming Dynasty was relatively calm. The only uneasy thing was naturally Shaanxi, where the peasant army was in full swing.

After Hong Chengchou returned to Shaanxi, he did not dare to attack immediately, but instead continued to mobilize troops and generals. A large number of farmers had no hope of survival and could only join the army of thieves.

Shaanxi is already in ruins, and it is not easy for the peasant army to find food. Therefore, Gao Yingxiang, Zhang Xianzhong and other troops already have the intention to flee eastward, while Li Zicheng's troops are focused on developing in Shaanxi.

The relationship between Gao Yingxiang, Li Zicheng and Zhang Xianzhong is not as many people think, but is a relationship between superiors and subordinates. The troops of the three of them actually maintain a high degree of reading and reading, but sometimes they will join forces in battles.

When a partnership, the backbone controls the cannon fodder that is brought to the ground. If you want to annex other thieves, it is meaningless first.

Even if it annexes, it will only annex those few backbones. As for those cannon fodder, there are everywhere, why bother with your peers?

However, there are also cases of fire mergers. For example, later Li Zicheng and Cao Cao Luo Rucai were the time when Li Zicheng had the ambition to become emperor.

After the meeting, Zhao Yong was rushing to Handan quickly to deal with the bandits' escape from the east again. These bandits must be resolutely extinguished. The reason why the Qing Dynasty was able to enter the pass was mainly because the capital was broken by bandits. The Qing Dynasty entered the Central Plains under the banner of avenging the Ming Dynasty.

So as long as the thief is suppressed, it is impossible for the Qing Dynasty to enter the pass and occupy the entrusted place. How many people in the Qing Dynasty are there? So how many places can they occupy more than 100,000 people?

The reason why they were able to occupy the world was because of the great contributions made by the cannon fodder, they hid behind and robbed.

If the capital is not destroyed and the Ming Dynasty is not destroyed, there will not be so many cannon fodder driven by the Qing Dynasty.

Zhao Yan's final bottom line is that the peasant army cannot defeat Shanxi. Once he attacks Shanxi, he will launch all military forces to fight.

Before you attack Shanxi, you can send one or two troops to fight.

—————

The third update! I haven't dealt with the book review area for a long time. I'm going to do it tomorrow, so I'll go to bed first. Also, thank you to the book friends who have been rewarded these days

It will be launched in V tomorrow and I hope everyone can spend so much support. But a few cents a chapter is really not much.

Although it was just as much as it is now, the amount of cents now is no longer comparable to the amount of cents a few years ago. Alas! The central banknotes were accidentally printed too much, and the royalties of our authors also depreciated.

;
Chapter completed!
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