I am not an ant thief in the Three Kingdoms

Chapter 539 Chapter 540, Faction Disputes!
Although Xi Zhong has not taken office yet, he still has a little understanding of the situation in Yuyang County. Yuyang County is the largest and most populous county in Youzhou. The great development of the marine economy in recent years has driven the great development of the entire Youzhou , the current population of Yuyang is 100 to [-], even if it is not [-] million.

And the population living in the countryside is definitely more than 50, which is almost 10 households. According to the ruling's thinking, these 1 households need more than 000 million mu of land.

Xi Zhong has also stayed in Quan County for nearly two years, and he also knows the land situation in Yuyang County.He estimated that the land in Yuyang County could not exceed 500 million mu, which means that he would have to recultivate 500 million mu of land to meet the standard of one hundred mu of land for a governing household.Even if it costs 1000 yuan to reclaim one mu of land, 500 million mu of land will cost 50 billion yuan.

This is almost half of Dagan's financial income, and it is almost two years' financial income in Dahan. No matter how rich Yuyang County is, it cannot afford such a large expenditure.The only way Xi Zhong can think of is to find a money shop and use a loan to raise this sum of money. For the Yuyang prefect's mansion, 50 billion yuan is an extremely huge number, but for Yuyang with a population of nearly one million It is nothing to the people.

The reason why Xizhong has achieved outstanding performance in these years is thanks to the loan from the money bank. Whether he is doing reclamation in Liaodong or a herdsman in Jizhou, all the early development funds rely on all the loans, but with the loan from the money store, Xi Zhong can develop the dilapidated territory in his hands.

Ordinary people would worry about not being able to repay their loans, but Xi Zhong was not worried at all. He knew that as long as these loans were used for production, even for low-income things such as harvesting and farming, these loans would be repaid quickly .His achievements in Liaodong, Jizhou, and Youzhou all these years have verified this experience!

Jia Xu said with a smile: "Although this figure is a bit high, it is a policy formulated by the ruling government to let the common people recover quickly. As long as you have the ability to repay the loan, it will not be a problem at all! Maybe Sun Qing and the others will like it if you pay back the loan." A large loan recipient like you!"

To be honest, there is only one money shop in the whole of Hebei now. It can be said that the money printing at the beginning was beaten by the advanced money shop, and Xu Wei also made a law that all the interest of more than 2% of the loan for one year will not be used. Also, there were thugs in Zizi printing money at the beginning, but now Xu Wei has hundreds of thousands of large-scale troops. It can be said that the current financial market of Dagan is completely swallowed up by Dagan's money shop.

But also because of the nature of the money shop's official operation, it is naturally impossible for the money shop to have high interest rates like those loan sharks, and even make people bankrupt!Basically, the interest on saving money in Dagan is half a cent, and the interest on loans is one and a half cents. The difference between them is earned by the money shop!Of course, this is not the only way for money shops to make money. There are also settlements in other places, which are the big ones.

For example, Zhen An and the others earned tens of millions of dollars by selling Dagan's goods in the Western Regions. He only needs to deposit the money in money shops in the Western Regions, and after paying [-]% of the staff fee, he can spend the money in various money shops in Dagan's interior. It is extremely convenient for Zhen An and the others to save the trouble of hiring someone to escort this large sum of money.And for Sun Qing, the shopkeeper of the money shop, earning several million at a time is also an extremely good deal.It can be said that after the opening of the Silk Road in the Western Regions, the money shop can earn more than one billion yuan just for such off-site settlements!
Where there are profitable projects, there are projects that lose money. In fact, money store managers like Sun Qing and the others don’t really like small agricultural loans, because no matter how much such loans are borrowed, a family can’t exceed [-] yuan, and If there is a slight accident, the loan will become a bad debt. Whether they are recovering or recovering, they will waste a lot of manpower and material resources, and they can't imitate the printing of money and ruin all the families. bad debts.

In the past few years, agricultural loans have been in a state of loss, swallowing up the profits of Qianpu, and occupying [-]% of Qianpu's manpower and material resources, so Sun Qing and the others are not too active in promoting this business, if it is not Xu Wei's focus I told them about the importance of agricultural loans to Daqian. According to Sun Qing and the others, such unprofitable, troublesome projects should have been cut off a long time ago.

For Sun Qing and the others, they still prefer big customers like Zhen An. Not only do their deposits and withdrawals exceed hundreds of millions of dollars, but their loan amounts are also relatively large, and the risk is very small. Even if Zhen An These people are broke.

Money shops can also recycle their factories and houses as collateral, and these factories, machinery and houses.They are all favorites of big money textile factories. As long as they transfer them all at a low price, the profits will come back. It can be said that the industrial loan is not only huge in amount, less in work, but also low in risk and high in return.As long as a normal person knows how to choose.

Just like this agricultural loan, the 30 billion agricultural loan, Sun Qing and other money shop people have to deal with tens of thousands of households. He needs to prepare hundreds of salesmen, and he also needs to contact the agricultural tool factory and the ranch in the desert. Waiting for a large number of factories, because Xu Wei stipulates that agricultural loans cannot be given money, only supplies, and the people are relaxed, and can directly get the farm tools they want, but the salesmen of their money shops have to travel thousands of miles In order to let the people get the production tools they want.

But now that the 30 billion loans are concentrated to the local government represented by Xi Zhong, it is the easiest way for Sun Qing and the others. They only need a few salesmen to connect with Xi Zhong, supervise the use of money, and other Things don't need them to manage at all.Everyone likes such a business with less money and more money.

Xi Zhong, however, shook his head and sighed, "Now the salesmen of money shops seldom go to the countryside. They prefer to bring them to the industrial areas of the city and businessmen from all over the place to have a good time, but they don't know that the people who really need funds A farmer in the countryside."

Jia Xu was not surprised and said: "It is human nature to love leisure and hate work. Although the small agricultural loans in power can help the people recover quickly, it puts a lot of pressure on money shops, and it is very easy to have bad debts. The current salesmen who have been consistent can be regarded as amazingly persistent.”

When the small agricultural loan was first implemented, it really helped Daganxin occupy Youzhou, Liaodong and Jizhou quickly restored local agricultural production, and also let the cattle and horses in the desert find a way to sell for a day!However, agricultural loans are very cumbersome. Over the years, the salesmen of the money shop soon prefer to stay in the city compared to the poor conditions in the countryside.

Xi Zhongdao: "I think the government can separate out an agricultural money shop, let these salesmen who are still focusing on the countryside become salesmen of the agricultural money shop, let them concentrate on rural affairs, and make the villages of Daqian rich quickly.

Although most of my wealth comes from industrial areas, it would be difficult for the industrial area to expand if there is no village to provide raw materials and markets for the industrial area. Over the years, even though my land has continued to expand, the textile industry has no What a great look, because everyone has no money and can't afford cloth, and no one buys it. No matter how much cloth is produced, there will be too much cloth.I thought the rural economy could save my industry! "

Xi Zhong’s argument caught Jia Xu’s eyes. To put it bluntly, the textile industry is the number one pillar industry, but it has been stagnant since a few years ago. Zhen An and the others think that this is due to the lack of market. Da, for the sake of the market in the Western Regions, they helped Dagan capture Xiliang and the Western Regions. Although they occupied the Western Regions, they did help Zhen An and the others consume some cloth, but millions of cloths a year compared with Dagan's annual production of tens of millions The production capacity of cloth is nothing at all.

If Yuzhou and Sili hadn't been captured this year, the textile industry would have fallen into recession. Zhen An and the others even began to try to persuade the ruling party to conquer the entire Han Dynasty as soon as possible. After all, there are only tens of millions of people in the Han Dynasty who can save Zhen An and the others. of the textile industry!
But Xi Zhong’s words today made Jia Xu realize that making the tribe rich and able to buy goods is also a solution. Jia Xu even realized that if the government expands the land area of ​​the tribe, does it also see the big industry? I want to use this method to solve the plight of Daqian Industry!Based on Jia Xu's understanding of Xu Wei, he discovered that this possibility really exists!
Jia Xu said with a smile: "As expected of someone in power, you really have a unique vision. When everyone is looking outside, you are the only one who thinks of solving the problem of big industry internally!"

But Xi Zhong said seriously: "With the speed of the development of Daqian's textile industry, what's the point of completely conquering Dahan? Now the population of Dahan is only over 5 million, which is less than [-]% of my Daqian. With the current expansion of the textile industry Speed, or the speed of development will stagnate in five years, but now the big man is surrounded by savage countries, Zhen An and the others can't let the savages consume woolen cloth, so only our internal development can solve the problem."

"If the wealth in the hands of our ministries doubles, the market for the textile industry will double, and the land area of ​​the ministries that are now in power has tripled, which is equivalent to three times the wealth of our cadres. In this way The textile industry can develop for at least ten years, and if the people continue to increase their wealth, the market for the textile industry will become bigger and bigger, and this is the fundamental solution!"

Jia Xu smiled wryly, "I'm afraid that the ancient sage kings can't solve this solution!"

Although Jia Xu has understood that wealth comes from labor during these years of working hard, he no longer views the development of the world in a fixed way, but he also knows that the people in the world cannot always be in the process of wealth growth, and there must be a limit!

Xi Zhong said confidently: "Didn't the ruling party say that there will definitely be problems in this world, and we will solve the problems when they arise!"

Xi Zhong has studied the development of Dagan for nearly ten years. It can be said that he just watched Dagan's wealth continue to increase. Xi Zhong can be sure that even if Dagan has not yet unified the world, the financial resources of Dagan have far exceeded The richest period in the 400 years of the Han Dynasty.This is because most of Dagan's resources are used on the battlefield. Xizhong is not sure that after Dagan dominates the world, all resources will be concentrated on development. How brilliant the prosperity of Dagan will be. Xizhong believes that Xu Wei The most correct way is to accumulate and create wealth by developing productive forces.

Jia Xu shook his head and said, "Forget it, let's not talk about it, just finish what you want!"

Xi Zhong thought for a while and said: "If I want to complete the pilot task of governing well, I still need the help of some talents! I want some people to come to Yuyang County to help!"

"Who?"

"Tian Chou, Xian Yuping, Lu Dun, Gongsun Xu!"

Jia Xu looked at him in surprise and said, "These are originally the sons of the big Han clan. You have a bright future. How do you get connected with them?"

Xi Zhong smiled wryly and said, "Reporting to the group is just for warming up, and I have worked with them in Liaodong before, so I know their talents!"

Now there are three major factions in Dagan, namely, the Tengjia faction, the Yellow Turban faction and the Hu faction. These three factions are all Daqian veteran factions, accounting for 8-9% of the officials and generals in Dagan. The officials of the imperial examination faction are just a seedling. Up to now, the highest official position is probably only the prefect of two thousand shi like Xi Zhong. Officials like them who came from the imperial examination are squeezed by these three major factions. There is also a faction formed by Xiangkai's disciples.

Although Xi Zhong didn't want to make any party members fight against dissidents, he also knew that it was difficult for a lonely official to survive in the officialdom, so even if he knew that Tian Chou and the others were in an embarrassing position, he still wanted to report to each other to keep warm!When I was in Liaodong, the officials who came to Liaodong were basically members of the imperial examination faction, and Tian Chou and the others were highly talented people, so they formed a small group and supported each other in the officialdom. That's why he recommended Tian Chou and the others
Jia Xu nodded his head to express his understanding. Although he was born in Xiliang, Xiliang's tyrants want to enter the officialdom and have to take the imperial examination. Even one of his sons was also born in the imperial examination, so strictly speaking, he and Xizhong can be said to be a faction. Yes, and the leader of their faction is Xiang Kai!

The strength of the imperial examination faction is very weak. Not only are there not enough officials in the officialdom, but most of the official positions are not high. There are very few people who become prefects, and there is only Xiangkai in the top ranks!
So Jia Xu agreed to mention this matter to Xu Wei.

In October of the second year of Jian'an (AD 197), Liaodong, Lelang County, and Haiming County Wharf!

At this time, the pier was very lively, and there were spectators everywhere, because four of the largest ships came to the pier of the port today.These four sea-going ships are like four gigantic fortresses on the pier, which makes people feel extremely surprised.

This is the whaling ship that Xu Wei spent three years building. It is 10 feet long and two or three feet wide. It is docked on the pier, like a giant beast, which makes people daunting.Such a huge ship even had to build a huge pier to allow these behemoths to dock!
(End of this chapter)