At the end of Qin, I became a son of the plane

Chapter 261: Under the heavy reward, there must be Yong and loan salesman Hu Hai
Song Xiang thought for a moment and said, "Although Xiong Xin is ungrateful, what he said is not wrong. The reason why His Majesty established two banks can be heard from the names of the banks. Your Majesty wants us to issue loans to farmers. Solve their problem of insufficient agricultural tools.”

Song Yi rolled his eyes and said: "My father knows, but these farmers are too stubborn, and they don't want to give them money. Now that we can't open up the situation, my father wants to do business with the princes. He just wants to get over this difficulty first."

Otherwise, the gap between our two families will only become wider and wider, and now our agricultural bank cannot even stand in Chang'an City. But their development bank has already begun preparing to do business in the entire Neishi County. "

Song Yi now extremely regrets what he said he would do so carefully, so that the emperor thought he was more capable and left the difficult things to him.

But the level of difficulty of doing business with a few princes is completely different from that of being a farmer in the world.

"You should also think about how to break this situation as a father. If we don't extend these loans, all the principal of Agricultural Bank will be lost."

Song Xiang thought for a while and said: "Haier thought of two ways. One is to lend money to the workshop owners in Chang'an City. Many workshops have been opened this year. There are many businesses who want to expand production capacity but have no money. Loan money to these workshops and factories." Although the Lord is not as good as Yingbu and other princes, his business is much easier than that of farmers."

Song Yi nodded and said: "This method is okay. It can let our agricultural bank survive first, but the agricultural bank, the agricultural bank, your majesty wants us to work hard in agriculture. Otherwise, even if the bank survives, your majesty's mission will not be completed." Task."

"The second method that comes to mind is that there must be brave men under heavy rewards. Our bank is facing farmers, so we will definitely need a large number of clerks to go deep into the countryside. If these clerks can get the loan, my father can give one cent as a bonus to the clerks. ”

Song Yi frowned and said: "This can't be messed up. According to what you said, all the 200 million yuan of our agricultural bank will be taken out, and it will be 2 million yuan just distributed to these guys. This is equivalent to two thousand households. The annual salary, plus the salary of the clerk, don’t make the bank make ends meet.”

"If father doesn't give you a big reward, this thing can't be done. In order to prevent these guys from going to the countryside and not doing anything, you can not give these guys a salary, but only a bonus. The more you work, the more you will get, the less you will get, the less you will get. If you don't work, you will get less." In this case, even if our bank is spread all over the world, the clerk's expenses can be controlled. This method is the most beneficial to us. The clerk can only get one cent, but our bank can get fourteen cents. "

Song Yi pondered for a long time and asked: "What if those guys colluded and defrauded our money shop?"

Song Xiang smiled and said: "So all of us who recruit workers must find out all three generations of his family and control their families so that they cannot escape. Moreover, the bonuses must wait until they recover their loans. We must also learn from the rules of the imperial court." Special supervision is required to prevent these guys from deceiving us, and their money will be deducted for every loan that cannot be collected, so that they will suffer the losses together with our agricultural bank. "

"Farmers still need to have collateral. If they can't repay their loans, we have to recover the losses."

Song Yi also knew what the farmers' collateral was, the fields in their hands.

He was a little worried and said: "Your Majesty established agricultural banks to help farmers, not to annex land. If we use this method, I am afraid that we will distort His Majesty's intentions."

Song Yi understood that making money from his agricultural bank was secondary. Fulfilling the emperor's ideas was more important. The emperor was most concerned about land annexation. All the nobles in the world were divided by the emperor, just for the sake of equalizing land. But here they are annexing the people's land, fearing that the emperor will not spare them.

Song Xiang said with a smile: "This is also easy to handle. We help farmers who can't pay back the money to find jobs. Half of their money is used to support their families and half of their money is used to pay off their debts. When the farmers pay off their debts, we will return the land to them." give him."

Due to the war and the equalization of land, the labor force in the Han Dynasty was extremely tight at this time. Even if food and accommodation were included in the workshops in Chang'an City, no one would work if the monthly salary was less than 500 yuan. Without food and accommodation, the monthly salary would be yuan. Above, so as long as they are people with the ability to work, agricultural banks are really not afraid that they will not be able to pay back the money.

Song Yi thought for a long time and found that what his son said was complete, so he said, "Just do what you said."

November 2, the third year of the Han Dynasty.

"Dang, Dang, Dang!" A man from an agricultural bank was banging a gong on the street, attracting the attention of pedestrians.

"Fathers and fellow citizens of Chang'an City, listen up."

"Our Agricultural Bank has given out a bonus of two million. As long as you become a partner of my Agricultural Bank, you will be eligible to receive this money. If you become a partner of my Agricultural Bank, you will receive a bonus of 200% for every loan you make. The maximum amount is million. You can get as much money as you want. If you want to get this money, you can go to our agricultural bank and become a clerk. "

"Two million yuan!" As soon as these words were spoken, the people in Chang'an City were in an uproar. Just like Song Yi said, the annual salary of Wanhuhou is only 200 million yuan, which is equivalent to the money of two Wanhuhou. .

"You're not going to lie to us. We helped you get a loan, but you didn't take the money."

"It must be a lie. Even the princes and kings cannot afford such a large sum of money. How can you, a shop owner, be able to afford such a large amount of money?"

This amount was so huge that the people in Chang'an City didn't believe it.

The clerk immediately said: "How could this be a lie? Our Agricultural Bank has the support of His Majesty and is His Majesty's property. Your Majesty has made a huge promise. As long as you promise, there will be nothing and you can't do it. If our shopkeeper dares to lie to you, Your Majesty will forgive you." Not our shopkeeper."

After taking Xu Fan out, the people in Chang'an City believed it a little, but not much. After all, the number was too exaggerated.

"Two million dollars!" Hu Hai, who was sitting in his theater doing nothing, ran out immediately after hearing this number and asked the waiter: "How did you get this money?"

"As long as you become a partner of my agricultural bank, you can get a bonus of 100 yuan for every 10,000 yuan you lend to farmers in Chang'an City. Our agricultural bank has a total of 200 million in deposits. If you loan out all this money, , you can get two million dollars.”

After hearing this guy's explanation, the people of Chang'an City believed it. Loans were still a new thing. When the people of Chang'an City heard that Yingbu and other princes and princes could get a loan of 100 million, they felt envious and thought that the emperor was so generous.

Ordinary people don't have as many connections and abilities as princes and kings. It's possible to borrow tens of thousands or hundreds of thousands, but it's basically impossible to lend 200 million.

If you think about it this way, a guy can make anywhere from a few thousand to ten thousand dollars, which is a lot. Although this number is much smaller, the people of Chang'an City feel that it should be possible.

After hearing this, Hu Hai immediately ran to the Agricultural Bank and said breathlessly: "A certain person wants to become a clerk of the Agricultural Bank."

Song Xiang smiled and took out a form and said: "Please fill in your personal information."

"We also want to be partners of the agricultural bank!" Behind Hu Hai came a dozen more people, who were also determined to win the 200 million bounty.

November 5, the third year of the Han Dynasty.

After three days of training, Hu Hai returned to Zhao Li with information about agricultural banks.

It was the slack time for farming. Although Zhao Li also planted winter wheat, a few acres of winter wheat did not consume much labor. The people in Guanzhong got a rare rest time in a century. Everyone sat together in twos and threes and talked about the mountains and passed down the four legends. Gossip about Li Patxiang.

But Fusu was extremely serious, observing the situation of winter wheat almost every day and keeping careful records.

"Hu Hai, why did you come back to Zhaoli? Were you beaten again in Chang'an City?" A farmer sitting at the entrance of the village said with a smile when he saw Hu Hai running back.

Hu Hai was also famous in Zhao Li. He clearly allocated good land, but he didn't plant it properly. He slept all day, was indolent, and often went to his father-in-law's place to eat and drink. It was really hard for the virtuous Li family.

What particularly dissatisfied the farmers in Zhaoli was that Hu Hai, a bastard, actually married such a beautiful woman and had a wealthy father-in-law.

The villagers in Zhaoli also speculated that Mrs. Zhao's family should have been from a noble family. Otherwise, it would have been impossible to raise such a lazy and indolent Hu Hai. It was too common for the nobles in Guanzhong to decline after the Han Dynasty entered the Guanzhong.

Hu Haiminfu retorted: "That's why Mr. Naigong was not beaten. Last time, they beat the wrong Mr. Naigong and paid him thousands of dollars and a packet of rock candy. This time, Mr. Naigong found a way to make a fortune."

The farmers joked: "What a way." The farmers obviously did not believe in the unreliable Hu Hai.

Hu Hai said: "Something new has appeared in Chang'an City. An agricultural bank has been opened. It can provide loans to our farmers, and the interest is only two cents."

When the farmers heard this, their faces changed greatly and they shouted: "Mr. Zhao, come here quickly. Your useless brother has been implicated in loan sharking. If this doesn't happen, your brother's family will be ruined."

"What nonsense? Your usury is only two cents of interest."

"The interest is two cents a month, and the interest is compounded. It will quadruple in a year. Who dares to borrow this money?"

"It's not a month, it's a year, and there's no compound interest." Hu Hai explained.

But the farmers didn't listen at all. They only knew one thing: Those who loan money should go to hell.

At this time, Fusu came over with a hoe and said, "What happened."

"Your brother wants to put usury money in the village."

Fusu said angrily: "It's so lawless. You dare to even let us borrow money. How can you have the face to see your father? The face of my Zhao family has been completely ruined by you."

After saying that, Fusu picked up the hoe and hit Hu Hai.

Hu Hai ran away immediately, shouting as he ran: "I'm not lending loan money, two cents of interest a year, this is a good thing from the emperor to the farmers. Brother, if you can't trust me, can't you still trust the Han Emperor? This agriculture The bank was created by Emperor Han."

After hearing this, Fusu stopped and asked, "What on earth is going on?"

Hu Hai immediately came over, took a copy of agricultural bank information and gave it to Fusu to read: "The Han Emperor saw that the people in Guanzhong lacked farm tools, good land, but could not harvest more grain, so he opened an agricultural bank to provide two crops a year. Share interest and provide loans to farmers to purchase farm tools, cattle, water trucks, etc.”

"Brother, look at these information. We jointly obtained this loan with the farm tool factory and the imperial servants. As long as we get the loan, we can directly buy farm tools and cattle. This is a good thing done by the imperial court, not usury money."

Fusu looked at the information above. It did say that they were listening to the emperor's order to help farmers and rich farmers. The interest was 2 cents and they would not compound interest. They could not even repay the loan. How to help farmers solve the problem. Yes, it does not look like usury.

After seeing Fusu calm down, Hu Hai said: "Look at the prices of farm tools above us. Iron plows only cost a few hundred yuan, sickles and threshing machines cost tens or hundreds of yuan, and even cattle only cost 4000 yuan. Cars and windmills only cost 5000 yuan, which are the lowest prices obtained by our agricultural bank. The farmers in Zhaoli will definitely not suffer any loss if they buy them.”

"Brother, look at Zhaoli, which is so big. There are only five cattle, but tens of thousands of acres of land must be cultivated. This will delay farm work."

Even after reading it, Fusu still didn't believe Hu Hai. He said, "I'll go to Chang'an City first to have a look and then talk about this when I come back."

Chang'an City was only half a day away from Zhao Li. After Fusu came to Chang'an City to inquire, he went to see the Agricultural Bank and had in-depth discussions with the clerks before he was sure that Hu Hai had not deceived him.

Fusu returned to Zhao Li that night and summoned the most prestigious people in Zhao Li and said: "Hu Hai really didn't deceive us this time. The Agricultural Bank is really a bank set up by the emperor to help farmers, and the annual interest is really only two cents. How dare they If we charge more than two cents, we can go to the emperor and complain, so that they can walk away without food. "

Li Zheng Jiang Tao suddenly realized: "No wonder it's only two cents of interest. It turns out it's a good thing the emperor did to take care of farmers like us."

"Only the emperor in this world will think about my farmers." Wang Wen, the pavilion chief, said excitedly.

Hu Hai said at this time: "I came back to my hometown just because I saw such a good thing. I just want to benefit my parents. This is an opportunity that cannot be missed. It will never come back. The agricultural bank only has 2 million yuan. This money looks like There are many, but there are very few in Guanzhong. The total purchase of cattle is only more than 50, which is only enough to distribute to farmers. There are more than one million farmers in Guanzhong. Each of you has to compete with people. "

Li Zhengjiang Tao still hesitated and said: "But this is borrowing money after all, and you have to pay two cents of interest. I just wait for the farmers to live their lives peacefully. Borrowing money is not like living a life."

"Yeah, at best we farmers can put in more effort. Farmers have enough energy to plow the fields. If we are afraid of working hard, borrowing money will not lead an honest life." Other villagers did not dare to borrow money, even the emperor did the same.

Hu Hai said sadly: "Li Zheng, that's not how the accounts are calculated. Look at the oxen, sickles, hoes, shovels, and even waterwheels. None of these farm tools are needed by our farmers. With oxen and iron plows, we can have more Cultivation of the land several times to make it more fertile and increase the grain harvest by 30% is not a waste.

Waterwheels and windmills can irrigate hundreds of acres of land, turning dry land into irrigated land. The yield per mu can exceed three stones, and they can also grind wheat and corn. This not only saves effort, but also provides benefits to the folks in the eight townships in the city. Help, earn some wheat bran, and only pay two cents of interest, it doesn't matter. "

"As long as Zhao Li has a good harvest, all the borrowed money can be repaid, but I, Zhao Li, have dozens of more cows, several waterwheels, sickles, shovels, hoes, and countless more."

But most farmers shake their heads and still dare not borrow.

Seeing that his task could not be completed, Hu Hai suddenly had an idea.

I found a piece of white paper here in Fusu and started to draw a map around Zhao Li with a brush.

"Look, if you add three waterwheels here, thousands of acres of land can be irrigated. The maximum yield per mu of these lands can exceed three shi. This is 3000 shi of grain, worth 30 yuan." Hu Hai made it out of thin air. There are 5 waterwheels in the picture.

"A farming cow only costs 4000 yuan. This is an unprecedented price. This is because General Ji Bu wiped out dozens of tribes in the northwest and captured hundreds of thousands of cattle and sheep, which brought the price down. You can’t buy it this year, but next year it might go up to 5000 yuan or 6000 yuan.”

Many villagers hesitated when they heard this price, forgetting the rest, but this year the price of Guanzhong cattle is the lowest in decades, down by one-third. Even these farmers know that such good things cannot happen often. .

"Ten cattle only cost 4 yuan, but with these cattle, our village does not have to worry about the lack of labor during spring plowing. We can borrow cattle from everywhere, so that the fields can be tended twice more."

At this time, there were ten more cattle plowing the fields on the picture. The villagers felt a little happy when they saw this picture. It would be great to have so many cattle.

Fusu said, "Brother Wei wants to apply for a loan to buy two oxen, an iron plow, and a waterwheel."

Fusu felt that this was a good deed, so he decided to help his Hu Hai once.

"Hu Hai, we also want to get a loan to buy cattle." Farmers may not care about other things, but such cheap cattle are indeed an irresistible temptation. These farmers are worried that if they don't buy cattle now, they won't be able to buy them so cheaply in the future. of cattle. If they really wait to buy cattle for 6000 yuan in the future, these farmers will regret it to death. Paying 2000 more yuan is equivalent to overpaying their entire wealth.

Wang Wen, the director of the pavilion, thought for a while and said: "Since it is a welfare provided by the emperor for farmers like us, I want to do something big again."

"big?"

Wang Wen smiled and said: "Now that we have free time, why not borrow money from the agricultural bank to build a canal that connects all our fields and turn all the tens of thousands of acres of fields in our village into irrigated fields. It is said that Zheng Guoqu's fields It’s more than 3 stones, why don’t we build a canal for ourselves and turn our fields into fields.”

"Canal, is this something we can repair?" Li Zhengjiang Tao asked hesitantly.

Hu Hai said happily: "Of course it can be repaired. It happens that someone knows that something called cement has appeared in Chang'an City. This year, cement will be used to repair the Zhengguo Canal. In our village, the maximum cost of repairing the canal is 100 million. Li Zheng, as long as we have The fields can reach three dan, and the abundant grain is enough for us to pay off our debts."

(End of this chapter)