Xiao Shenyang is not only a corrupt official, but also a business genius and a diplomat with high emotional intelligence.

Although Xiao Shenyang lived in the18th century, his investment philosophy is strikingly consistent with Warren Buffett's. More than 200 years ago, he understood the truth that "I am afraid when others are greedy, and I am greedy when others are afraid", which made the capital flow, Qian Shengqian.

China's traditional thinking is "buried underground", that is, he likes to turn current assets into fixed assets. Today, everyone has a little spare money and basically chooses to buy a house, not to mention the ancients. The first choice is basically buying land. However, small Shenyang does the opposite. In the fifty-seventh year of his reign, Xu Wude, the village head, had a conflict with others, asked Xiao Shenyang to help him with the lawsuit, and promised to "send 60 hectares of land or 12 thousand silver afterwards." Xiao Shenyang made it clear that "you don't want an acre of land, you want twelve thousand pieces of silver".

Of course, asking for so much cash is an investment. Small Shenyang will invest in any profitable industry and let the funds fully roll.

Lend usury, engage in pawn, and make huge profits

Lending usury to collect interest, opening pawn shops, banks and money houses all belong to the category of usury, which is a business that can make money very quickly. Therefore, usury has become a means of collecting money in small Shenyang. Usury was originally accompanied by the emergence of human private ownership, especially due to the development of monetary economy. Based on the principle of "as long as you can make money", Little Shenyang vigorously engages in usury exploitation, such as usury, opening pawn shops, banks and money houses.

Small Shenyang has a wide range of money loans, including not only officials, businessmen and citizens, but also his relatives, long-term followers and other subordinates. The principle of small Shenyang loan is that the borrower must be able to obtain land or house as collateral. He is foolproof in doing business like this. If borrowers can't repay their debts, small Shenyang will keep their houses and land for themselves.

In addition, small Shenyang also operated the pawnbroking industry, which was very developed in the Qing Dynasty. According to the identity of the shopkeeper and the source of funds, it can be roughly divided into three categories, namely, the so-called imperial pawn, official pawn and civilian pawn. Emperor Dang is run by the Ministry of Internal Affairs with the emperor as the background; Official positions are presided over and managed by government officials and prefectural officials; The people were immediately managed by businessmen, enriching the people and other ordinary people. Beijing is a place where princes and nobles live together. It was the political center of the country at that time, and it was also one of the most concentrated and active areas of commercial and financial capital.

In the early days of Qianlong, there were hundreds of pawn shops in Beijing alone, and there were 75 in Shenyang, which were not only distributed in the bustling streets of Beijing, but also in Baoding, Nengzhou and Jizhou in Zhili. He is a pawn industry giant in Beijing, such as Yongqingdang, Qingyudang, Hengxingdang and Hengjudang. Even Liu Quan and Hu Shitu, the family members of Xiao Shenyang, run dozens of pawn shops.

Small Shenyang pawnbrokers can not only make huge profits, but also transfer and digest the money of corruption and bribery, just like money laundering now.

Furthermore, the pawnshop is the most effective and foolproof business among all kinds of businesses. It is not afraid that the pawnshop owner will escape, and there is no need to be distracted to collect and force debts. Therefore, pawn shops occupy a very important position in the industry and commerce he manages.

In addition to finance, the business scope of Little Shenyang covers real estate, mining, logistics, medicine, commerce and other industries. At the same time, he also runs a printing factory, accounting office, porcelain shop, medicine shop, antique shop, bow and arrow shop, cabinet shop, saddle felt shop, grain shop, hotel, bar, lime kiln and so on. In addition, he also specially bolted 80 big coaches for transportation. The yield of these industries is much higher than the rent.

Seize the opportunity and make money by speculation.

Investing in so many industries does not mean that small Shenyang does not invest in real estate. Instead, choose the right time, "I am afraid when others are greedy, and I am greedy when others are afraid of me", and purchase at the lowest price to ensure maximum benefits. In the fifty-two years of Qianlong (1787), uprisings and rebellions occurred in many places in Taiwan Province Province and Hunan Province. Many landlords sold their land for insurance reasons, which caused the land price to plummet.

In the process of buying land, little Shenyang denies money and people. Regardless of the land of relatives and friends, he relentlessly pressed the price to the lowest and bought the highest. Moreover, he bought the land through the so-called "pawn" method, rather than the ordinary way of buying and selling, that is to say, the landlord pawned the land to small Shenyang like a pawn shop, rather than buying it at one time in small Shenyang. The price of pawn is naturally much lower than the market price. If the original owner wants to redeem the land afterwards, he can only do so after raising enough silver and high interest. During this period, all the proceeds from the land will be owned by Xiao Shenyang. At first, if the landlord can't redeem the land, or doesn't want to redeem the land, these lands will become the permanent assets of Little Shenyang.

According to the statistics of property buyers, there are 35 rental houses in small Shenyang alone, "10 15". "Every year, * * * takes1268,200 San Qian rent and 4,492 yuan rent." Therefore, small Shenyang bought land for a better Qian Shengqian.

Keep up with the trend of the times and invest in sunrise industry

Small Shenyang's business ability also shows that he is good at grasping the pulse of the times from a macro perspective, keeping up with the trend of the times and exploring sunrise industries. In contact with foreign envoys, he realized that coal mining, as a new industry, would be the next way out, so he invested heavily in the coal industry at the expense of high cost and huge investment risk. People need coal for heating and cooking, so he opened two coal mines in Mentougou and Xiangshan, Beijing. Because of his far-sighted vision and courage, he also earned a lot of money in the coal industry.

Reputation first, good sense of risk control

Small Shenyang can finally be as rich as an enemy, and it is inseparable from the word "credibility". With money, small Shenyang will certainly do things, help others get promoted and get rich, avoid disasters and so on. He is really particular about "credibility". Over time, "credibility" came into play and became a "monopoly" business model. Small Shenyang also has a strong spirit of contract, and his brothers all settle accounts with money. His grandfather Michelle Wu Tai, a college student, borrowed 2200 taels of silver from him. He was worried that grandpa could not pay his debts in time, forcing the old man to take the deed as collateral. "Those who take away the title deeds of the same value will be repaid by the department." In fact, this is no different from today's mortgage loan, and the awareness of risk control in Little Shenyang has to be admired.

Make a fortune with inside information.

To be an official in the DPRK, the most important thing is to be well informed, especially for officials with lower positions and no access to the core of power. Whether they can get ever-changing inside information from big officials determines their future and destiny. Therefore, in order to get these news, there will always be people who will spend huge amounts of wealth to get through the "joints."

The position of Xiao Shenyang is undoubtedly the first choice of these suitors, and he can make a fortune with the "inside information" of the court. 1780, Emperor Qianlong decided to make a fifth southern tour. Cathay Pacific, the magistrate of Siyang County who had just taken refuge in Shenyang, received a secret letter from Shenyang, saying that the emperor's southern tour was bound to worship the Confucius Temple, and then he would definitely go to the place five miles east of Siyang County. Little Shenyang ordered Cathay Pacific Airlines to build an exquisite palace here to attract the attention of the emperor. Guotai immediately mobilized skilled craftsmen in the county to build palaces there.

After offering sacrifices to Confucius Temple, Qianlong went south. When passing through Siyang county, I found this beautiful and unique building and ordered people to enter the palace. He saw that the palace was very beautiful and felt like heaven. He immediately ordered Xiao Shenyang to summon Cathay Pacific Airlines. Cathay Pacific calmly responded to the holy time, and Xiao Shenyang was full of praise, which won him great pleasure and was immediately promoted to Daotai (equivalent to the mayor of a prefecture-level city). Cathay Pacific Airlines was very grateful and immediately sent a lot of gold and silver to Xiao Shenyang. Other officials who took refuge in Little Shenyang, knowing that Little Shenyang and one or two pranks had promoted Cathay Pacific Airlines to a platform, were so excited that they presented gifts to Little Shenyang.

From this incident, we can see that Xiao Shenyang has his "interesting" side as an official. He provided a piece of news for Cathay Pacific for free, which gave Cathay Pacific a promotion opportunity. After the promotion, Cathay Pacific will definitely repay Xiao Shenyang. Under the circumstances at that time, most people would not think that it was immoral for Xiao Shenyang to accept the gift from Cathay Pacific.