Chapter 247: The family dinner turns into a preparatory meeting for the Daming Construction Company, and the King of Jin responds with ease

Zhu Yuanzhang asked with great interest: "In addition to the Liulichang, sugar factory, salt factory, and cement factory, has the third brother come up with a new project?"

Zhu Gang knew clearly that the reason his father proposed these projects concerning the national economy and people's livelihood was to remind him that he had to change tracks as investment projects for the Ming Dynasty Bank.

After all, sugar, salt and cement have all been listed as strategic security materials by Zhu Yuanzhang, and he would never allow anyone else to get involved.

“Since ancient times, investment in raw material industries has always been a project of small profits but quick turnover.

The investments that Daming Money House wants to make are all long-term plans that benefit the country and the people."

After hearing what Zhu Gang said, almost everyone present became interested.

Xu Da nodded and said, "It's good to keep things steady and steady. That's what I and the dukes want to do.

My dear son-in-law, why don't you elaborate on the projects that Daming Bank is going to do, and what specific investments are they going to make?"

Zhu Gang asked Zhang Long, the commander of the Hidden Dragon Guard, to bring over the "Yingtian Prefecture Urban Reconstruction Plan".

"I have said before, 'We should take advantage of the opportunity of Yingtianfu's urban transformation to plan residential communities and equip them with all the perfect facilities.'

This is a large project. Based on Taiyuan’s existing experience, it will inevitably require the participation of private capital.

In order to avoid possible engineering quality problems, Daming Bank will set up Daming Construction Company to coordinate and be responsible for the Yingtianfu urban reconstruction project.

Zhu Gang then unfolded the plan and carefully explained every detail to everyone.

“Please see, this planning map is divided into several areas including commercial area, residential area, industrial area, etc.

We will introduce the most advanced construction technology and design concepts to create high-quality residential and commercial spaces.”

He pointed to different areas on the plan and explained in detail: "There will be mid- to high-end apartment buildings and villas here to meet the needs of people at different levels.

The commercial district will gather various businesses and provide a variety of shopping options. ”

Zhu Biao took over the conversation and continued: "In addition, we will also focus on environmental protection and sustainable development.

During the project construction, a large number of green building materials will be used to reduce the negative impact on the environment.”

He pointed to a green area on the plan and said with a smile: "This is the park we are going to build. It will provide people with a place to relax in their busy lives."

Xu Da smiled and said, "Great! Your Highness the Crown Prince and the Prince of Jin have a brilliant plan. If it can be successfully implemented, it will surely benefit the people."

After hearing this, everyone nodded in praise and expressed their expectations for this project.

They began to discuss heatedly how to better promote the implementation of the project, and the atmosphere was very lively.

At this moment, Zhu Yuanzhang suddenly said with a serious expression: "Yingtianfu's urban reconstruction is a long-term project after all. If someone comes to Daming Bank to withdraw money during the process, how will you deal with it?"

Zhu Gang said confidently: "After taking over the Yingtianfu urban reconstruction project, Daming Construction Company will hold an open bidding meeting.

Any qualified private capital can submit a plan to participate in the bidding.

Private capital that successfully bids not only needs to pay a deposit, but also needs to accept full supervision from Daming Construction Company.

When the first phase of the project was completed, one-third of the houses were used for demolition compensation, and the other two-thirds were sold to wealthy people as boutique apartment buildings.

The pre-sale mode can then be started to sell the high-quality apartment buildings in the second phase of the project in advance.

For these houses, a 30% down payment is allowed first, and the remaining funds can be used to apply for a housing loan from Daming Bank. Of course, the priority for housing loans is to be those customers who have deposits in Daming Bank. "

In fact, this is the routine used by later banks to convert large deposit customers into large credit card customers.

The main point is that you deposit money in the bank, spend it in the bank, and once you part, you want to take it home!

As a qualified "supporting actor", Yongping Hou Xie Cheng played his role just right at this time.

"What will Daming Bank do if some users are unable to repay their housing loans in the future?"

Seeing that many people cast inquiring eyes towards him, Zhu Gang still said calmly: "Da Ming Money House is very strict in reviewing housing loan customers. Not only do they need to provide proof of household registration in Yingtian Prefecture, but they also need to have corresponding proof of employment.

The most important thing is that you must be able to provide a deposit certificate of at least one year in the Ming Dynasty Bank, and the amount of funds cannot be less than 30% of the total house price. "

In fact, even in the late Ming Dynasty when the economy was the most developed, it only cost fifteen taels of silver to buy a "small Western-style building" with four bedrooms on two floors and two courtyards.

Lanling Xiaoxiaosheng, a realist writer in the late Ming Dynasty, has already given a detailed description of these contents in his novel "Jin Ping Mei".

Now it is the tenth year of Hongwu, shortly after the founding of the Ming Dynasty. Zhu Gang does not believe that housing prices can be higher than at the end of the Ming Dynasty.

"What if a customer comes to collect the money before the first phase of the project is completed? How will you deal with it?"

Seeing Zhu Yuanzhang still somewhat worried, Zhu Gang could only continue to explain patiently: "In fact, after the public bidding ended, Daming Construction Company has already recovered part of its investment.

After all, the three-year development rights for a residential community will definitely not be a cheap price.

In addition, the successful private capital has to pay a deposit, which is also a considerable income. "

Yingchuan Marquis Fu Youde, who had been silent all this time, suddenly asked, "What if the private capital that won the bid passes off inferior products as good ones, or engages in corruption and abuse of power when participating in the Yingtianfu urban reconstruction project?"

Zhu Gang placed the pair of chopsticks in his hand on the table in front of him.

"Da Ming Construction Company has two supervisory bodies, one is the Project Supervision Department and the other is the Financial Supervision Department.

The main responsibilities of the Project Supervision Department include comprehensive management and supervision of the corresponding Tianfu urban renewal projects.

Ensure that the project proceeds smoothly according to the planned schedule while ensuring the quality, safety and progress of the project.

The head of the project supervision department can preside over the supervision work meetings and issue documents and instructions of the project supervision agency.

The Financial Supervision Department is the core of Daming Construction Company’s financial management, and is fully responsible for the financial management, accounting and supervision of the Yingtianfu urban renewal project.

At the same time, the Financial Supervision Department is responsible for formulating and implementing the financial strategy of Daming Construction Company, including fund management, investment decision-making, and cost control, to ensure the financial status of the Yingtianfu Urban Renewal Project is good. "

Most importantly, the Financial Supervision Department needs to identify and assess potential operational risks and develop appropriate risk management strategies.”

Zhu Biao said with a surprised look: "The Project Supervision Department and the Financial Supervision Department need very professional personnel.

The imperial court does not have the corresponding talent pool. Could it be that Third Brother has already found a solution?"

Zhu Gang smiled and looked at Zhu Yuanzhang, "As far as I know, there are three guards in the capital that are neither part of the imperial army nor under the Five Military Commandery.

These three guards are all experienced military craftsmen. It all depends on whether Dad is willing to give them up!"

(End of this chapter)