The legend of the king of crossing

Chapter 310 Mortgage

Leaving aside the reasons for Liu Zheng's surrender, since the day he joined the army, Liu Zheng has always thought in his heart that he would surpass his senior brother Li Beiyang in the water battle. This deep-rooted idea reappeared at this moment. Blail Khan himself promised that he would fully support him in building a navy. Liu Zheng was so excited that he almost regarded Kublai Khan as Bole for a while: "Khan, don't worry, the minister will do his best and live up to the Khan's entrustment,"

Kublai Khan smiled: "Okay, Ben Khan is waiting for Liu Aiqing's good news. Dear lovers, you don't need to doubt the importance of the navy. The reason why the Southern Dynasty was able to survive several attacks from our dynasty Survival, one of the very important reasons is the strength of its navy, "

All the generals said in unison: "Yes, Great Khan,"

From then on, Liu Zheng never had any second thoughts about Kublai Khan, and devoted himself to building warships and training navy for Mongolia.

"After talking about the cavalry and navy, Ben Khan will talk about the changes in the formation of our dynasty's army," Kublai Khan pointed to the map on the wall and said, "Our army is divided into the central guard force and the There are two parts to the local garrison. The Suwei army is composed of the guards and the Qixue army. It is responsible for guarding the important places in the capital including Shangdu and Dadu. According to the arrangement, Ben Khan intends to expand the Qixue army to 3 people, still under the command of General Boyan, and the guards will be renamed the left and right guards, and the number will be expanded to 5. Under the command of a general, the local garrison troops currently total 30 people, distributed in various parts of our dynasty. In order to strengthen the combat power and coordinated combat capabilities of the army, apart from leaving some soldiers to guard the various places, the Khan initially planned to divide the garrison troops into East, West, and Middle Roads,"

"East, west, and middle armies," everyone thought to themselves.

Kublai Khan continued: "The number of the army on the middle road is about 15, led by A Shu and Shi Tianze, two love ministers, and the camp is set up in the area from Luoyang to Dengzhou and Tangzhou (now part of Nanyang) in Henan province. The army on the east road The number of the army was set at 8, led by Zong Wang Hedan and Zhang Hongfan and Zhang Aiqing. The camp was set up in the area from Jinan Prefecture to Tai'an Prefecture in Shandong Province. The number of the West Army was 7. Under the command of Qing, the camp was set up from Xuzhou to Dali in Sichuan, that is, in the planned area of ​​Yunnan province. Khan intends to set up in Ninghai Prefecture (now Yantai, near Weihai) on the eastern coast of Shandong, Liu Aiqing, you can go to the field for inspection, "

"Yes, Khan,"

"The Great Khan divided the garrison troops into three groups. Judging from their respective camps, it is obvious that they are respectively targeting the Sichuan, Xiangfan, and Lianghuai theaters of the Southern Dynasty. Could it be that the Great Khan wants to go hand in hand and adopt a multi-channel attack method," the crowd listened. After finishing, they thought in unison.

Zhang Hongfan was young and energetic, and asked: "The meaning of the Great Khan is that the three armies will attack the Southern Dynasty together."

Kublai Khan shook his head and said, "Maybe it's not three ways but four ways."

Zhang Rou looked at Liu Zheng, and with a thought, she said, "Big Khan, could it be that the navy is also going the same way?"

Kublai Khan said with a smile: "Zhang Aiqing, there is no final decision on how to attack the Southern Dynasty in the end. We will discuss this matter later."

"Yes, Khan," Zhang Judao, "Khan, after the concentration of the garrison troops in various places, the garrison forces staying in various places will inevitably be greatly weakened. The current situation in some areas is currently unstable. Do you need to expand the army?"

"Necessary, this Khan has also thought carefully about this point. After the concentration of the three-way army, Ben Khan plans to set up ten thousand households in each province. Local people will be recruited from all regions to enrich the auxiliary army and cooperate with the remaining guards. , Gradually form local troops, while stationing troops, while guarding, "

After thinking for a while, Zhang Rou said, "Yes, Da Khan, this method is feasible."

"Since the emperor's return, Ben Khan has handed over all the chores such as logistics and transportation to the emperor and Zhenjin. Today's meeting will only discuss matters related to the improvement of front-end military affairs. Dear friends, what do you think? Or is it aimed at Ben Khan? If you have a different view on the idea just mentioned, feel free to raise it.”

On the tenth day of the first month of the second year of Xianchun, the first court meeting after the Spring Festival holiday.

I sat on the golden steps of the Daqing Palace and said loudly: "Dear dear friends, before the court meeting begins, I would like to tell you a piece of good news. According to the latest statistics from the Ministry of Household Affairs, my total income from the court last year increased compared to the previous year." It has nearly doubled. Whether it is commerce, agriculture, handicrafts or export trade, the taxation of all industries has made great progress, and the development trend is becoming more and more benign. The growth rate of my population has finally declined after several years of decline. It has increased in the past year. Although many of them are due to the arrival of Han people from the north, the overall situation has become an upward trend. There have also been great improvements in other aspects. I will not describe them here one by one. For your efforts, I hope that everyone will continue to work hard this year, maintain the strong fighting spirit of last year, and achieve the established goals of various industries and departments such as doubling the tax revenue this year. Ladies and gentlemen, the abundance of the national treasury and the growth of the people are the foundation of our stability. , is also the basic guarantee for the future Northern Expedition, and I am very pleased with this, "

"Congratulations, Your Majesty, congratulations, Your Majesty,"

"Hehe, congratulations, congratulations, dear dear ones, since I ascended the throne, I have faced a strong enemy of Mongolia externally and faced economic recession internally. Therefore, I have always been trembling and afraid to relax in the slightest, for fear of failing the trust of the late emperor. Hope, for more than a year, fortunately, the government and the public are united. Our government has taken the first step towards ZTE. However, Mongolia is not destroyed, and our government still needs to work hard. [-] In the next few days, I want everyone to adjust their mood and mentality, and greet the New Year's affairs with full enthusiasm."

"Yes, Your Majesty, I will obey the order,"

"Today's court meeting is about two things. One is that I plan to build a batch of welfare housing this year for the officials in the court who do not have housing in Lin'an. Of course, this welfare housing is not provided free of charge. You can choose to rent or buy it. In this way, the rent for renting will be much lower than the market rent, and for buyers, you can take the form of mortgage, guaranteed by Yinzhuang, and buyers can pay in batches and monthly."

Ruan Dengbing hesitated for a moment and said, "Your Majesty, what is a mortgage?"

The term "mortgage" originally originated in Western countries, and originally intended to belong to a legal relationship in the Anglo-American balanced law system. It was introduced from Hong Kong to the domestic real estate market at the end of the [-]th century.

"Dear dear friends, I know that everyone doesn't understand very well," I smiled, "This is also a way I came up with during the Chinese New Year. Simply put, mortgages are for those who currently cannot afford to buy a house but want to buy a house. It is a way of consumption in advance, and it is related to Yinzhuang. Let me give you an example to understand it. For example, the price of a house is [-] Huaxia coins, and an official currently only has [-] coins. Naturally, he couldn’t buy it, but the official’s monthly salary is [-] guan. In addition to the monthly daily expenses of [-] guan, he can have a surplus of [-] guan every month. According to the normal situation, he can only buy it after five months. This house, if it is mortgaged, then he can buy this house now,"

Ruan Dengbin asked: "Your Majesty, how did he buy it? He still only has five hundred coins,"

"That's right, he does only have five hundred guan at present. This is the mortgage function related to Yinzhuang. First of all, Yinzhuang acts as a guarantor and advances the full house payment to the house owner. The buyer pays the house owner or After [-] guan in Yinzhuang, you can get a house from the owner and have the right to use it, but the ownership of the house belongs to Yinzhuang. After that, the buyer pays [-] guan to Yinzhuang on a monthly basis. After five months, the accumulated After paying [-] guan, Yinzhuang will transfer the ownership of the house to the buyer. Among them, Ruan Aiqing will definitely think, how can Yinzhuang make a profit, which requires the buyer to pay additional interest on top of the house payment, that is to say , the buyer should pay a monthly principal of [-] yuan and the relative interest,"

Ruan Dengbing said: "Your Majesty, I generally understand that this has many similarities with mortgage,"

"Exactly, compared to the capital, the extra interest is very low, as long as the buyer is a little frugal, he can save it. In this way, will the original owner, Yinzhuang and the buyer be happy?"

"Your Majesty, do you have to pay [-]% of the first house payment? How should the interest be determined?"

"Ruan Aiqing, the specific rules are formulated by your Yinzhuang. Not every buyer has [-]% of the purchase price in advance. I think you can make a comprehensive consideration based on the buyer's salary, credit, age, etc. As for the interest, it can be determined with reference to Yinzhuang’s deposit and loan interest rates and the length of the buyer’s mortgage period.”

Ruan Dengbing nodded and said, "Your Majesty, what if the buyer doesn't return it when it's due?"

"The Yinzhuang can take back the house according to the agreement between the two parties. As a Yinzhuang, it is not without risk. If the house price falls when the house is taken back, it will bear the risk of falling prices. Therefore, risks and benefits coexist. For this welfare The mortgage of the house will be tried exclusively by the Royal Bank of the Song Dynasty for the time being. If this method is feasible, I will promote it among the people. or the interests of the three parties,”

"Yes, Your Majesty,"

"Also, the price of the welfare housing I mentioned this time for officials in the DPRK and China will be lower than the market price, and all the interest will be borne by the court. This can be regarded as a benefit I give to you."

"Mortgage, then I can also buy a house,"

"According to Your Majesty, I will soon have a new house to live in, and after a few years of hard work, the house will be my own," many young and middle-aged officials who have no houses are thinking in their hearts.

"Mortgage, early consumption, how did Zhao Yu come up with this?" Jia Sidao raised his head slightly, and subconsciously looked at the golden steps.