The next day, because Wang Yihe was mentioned the day before, Chen Yuanheng remembered something and specially asked Wang Yihe to come over. After Wang Yihe saluted Chen Yuanheng, he said directly: "Lord Chen, if you don't come to me, I want to find you too." ”

Chen Yuanheng smiled: "That's a coincidence, what are you looking for me?" ”

Wang Yihe said: "Our loan plan last year was very smooth, isn't this the autumn harvest this year? Most of the money has been recovered with interest, but there are a few that have not been recovered, and they are not tight, and most of them have come out. ”

Chen Yuanheng asked: "What is the reason for confiscation?" This year, the wind and rain are good, and the market has been built, so it is much more convenient for the people to sell livestock and poultry. ”

Wang Yihe smiled: "It is because of the bumper harvest and the sale of livestock and poultry that most of our money has been recovered." But there are also a few people who are unlucky, such as crops that are not planted well, lazy, something happens at home and can't take care of farming, and there are livestock bought with loans that die, all of which are normal, and I forget it when the loan goes out, and these have not run out of my plan, so it doesn't affect anything. ”

Chen Yuanheng smiled, he was still not thoughtful: "I ignored this, yes, there are risks in doing business, and this is normal." ”

Wang Yihe said: "After the money is collected, I will take back all my principal and interest, and the Lan family's principal and interest will be counted as him." The county's 40,000 taels were given to the county, and the profits that were promised at the beginning were distributed to the officials and officials. ”

Chen Yuanheng joked with a smile: "I said, why are people always saying good things about you recently." It turns out that you have already given them benefits. ”

Wang Yihe was embarrassed: "They work so hard, it's good to get a little money, in fact, it's much better for them to get some money like this than to go out and exploit the people." This year, because the officials and officials all have this money, they are all busy with this matter, and they don't care about exploiting the people, and the business is obviously better, and there are many more new people coming to the county to do business this year. ”

Chen Yuanheng was very happy to hear this: "This is what the Confucians said about raising integrity." It seems that it will be promoted. ”

Wang Yihe immediately said, "Yes." It was only when there was a problem with this year's promotion that I thought about coming to an adult. ”

Chen Yuanheng was surprised: "What's the problem?" ”

Wang Yihe said: "I still want to put my 50,000 taels in the loan, and the Lan family also wants to put his 50,000 taels in the loan, but the interest is recovered." That's 100,000 taels. The 40,000 taels in the county are all in the warehouse, do you want to take it out, it depends on your adult? ”

Chen Yuanheng said: "This year's tax revenue is very good, less than the 40,000 taels are needed, except for the ones handed over to the top, there are still 20,000 taels left in the county." This year, you can come up with 60,000 taels. ”

Wang Yihe smiled bitterly: "My lord, don't talk about your 60,000, even our 100,000 can't be loaned." ”

As soon as I said that. Chen Yuanheng was surprised: "Why can't you spend money if you have money?" ”

Wang Yihe said: "Everyone has a good harvest this year. I have seeds in my hands, where can I buy them, and as soon as the poultry and livestock are sold, I buy the small livestock in the market by the way. Last year, the family raised a pig, and this year I tasted the sweetness, and there was money left over from selling the pig in my hand. I bought two piglets and went back. In this way, where can I still use the loan? ”

Chen Yuanheng laughed: "That's the same, in fact, I originally wanted you to take this money to loan to the five counties and one government in Deqing, but I won't take over until the end of the year." It's not going to catch up. ”

Wang Yihe's eyes lit up and said, "Then dare to be kind, so be it." I'll put the money first. Wait until the spring of the next year to lend out, so that 160,000 taels is not enough. This is easy to do, I have made a lot of money on other things this year, such as the soybean oil business, the grain business is very profitable, and I can take out more, and it is estimated that the Lan family can also take out more this year, because everyone has money in their hands this year, and they buy more cloth, and he naturally earns more. It's just that in this way, there are fewer loans in Anseong, and in the past few months, well, half a year, the money has been idle. ”

Chen Yuanheng said: "I will think about it again in the past few months. By the way, you made a lot of money on the loan program last year, right? ”

Wang Yihe said: "That's right, in fact, the loan interest of 50,000 taels is limited, after all, it is a low interest." But because of this, I first sold bean seeds, then harvested beans, squeezed oil, sold oil, and made a lot of money in the whole process. ”

I laughed so happily. Chen Yuanheng looked at him like this, and also said: "Actually, we make a lot of money in our house, although we don't have money to take out loans, but you gave my family all the livestock and poultry lists last year, and my family has made a lot of money." However, this is no longer possible, and this year I did not involve my family in the livestock, but only sold poultry seedlings. ”

Wang Yihe was busy patting his ass: "Adults don't compete with the people for profit, they really regard money as dung." ”

Chen Yuanheng is very familiar with Wang Yihe, and when he heard this, he immediately laughed and scolded: "I don't need you to sing praises here." I'm also afraid that this little money won't attract the attention of the imperial history, after all, you also know that my family doesn't rely on this money. ”

Wang Yihe hurriedly said: "Your wife is the best at doing business, we are not comparable to the veterans in the business field, you look at this Qinghe Restaurant, Cuijin Building, that is all from the money." We bow to the wind. ”

Chen Yuanheng said with a smile: "I just said that you don't need to pat my ass, you can shoot Mrs., it's really amazing." ”

Wang Yihe laughed.

Chen Yuanheng said again: "Both of us have benefited, the officials and officials have benefited, the people have benefited the most, and even Ancheng has prospered because of this." The Lan family made the least profit. ”

When Wang Yihe heard this, he also put away his smile, frowned and said, "Yes, his family has a profit, and the interest rate is still low." It's a lot less than us, but what to do? ”

Chen Yuanheng said: "That's it this year, next autumn's loan plan will be fine, I will partner with the Lan family to do cotton business, and when the time comes, put it in your loan plan to promote cotton, so that the Lan family can make the same profit as you." ”

Wang Yihe laughed: "I know cotton, the quilt you gave me is very useful, I quickly bought it for the house, my old mother is the most happy, the old man is afraid of the cold, it is good to have a quilt." I also want Lan Shanghan to buy a little cotton and come back, and the family will make a few jackets to wear. If he promotes cotton, he can be the same as my beans, first sell seeds, then harvest cotton, then process, sell, and make more money. His family is much richer than mine. ”

Chen Yuanheng laughed: "Okay, you don't know how to use your money now, and you have to take more of his money." ”

The two of them laughed again, and they ate before they dispersed.

In the evening, Chen Yuanheng told Bai and Chen Wenhui what he said to Wang Yihe. Chen Wenhui is also very happy, and this revitalization of Anseong's economy also has its own credit.

But Chen Yuanheng proposed that there was no place to use the money in the past few months, but Chen Wenhui died of laughter.

Chen Yuanheng hurriedly asked: "Hui'er, why are you laughing so hard?" ”

Bai Shi hurriedly said: "Hui'er, you laugh like this, be careful that your stomach hurts for a while." ”

Chen Wenhui gradually stopped laughing and said, "There is still money that can't be spent." “

Chen Yuanheng and Bai thought about it, too. They all laughed.

Chen Wenhui said: "Actually, I have an idea. “

Chen Yuanheng smiled: "I knew you would have an idea, hurry up and say what the idea is?" ”

Chen Wenhui said: "In fact, it is not necessary to lend money to farmers, but to small businessmen. For example, many people in the village now have money in their hands and want to build furniture, cabinets, and tables, but in the city, the carpenters in the market can't do so much, and many carpenters do farm work at home because they don't have the money to open a shop. If the Wang family lends him money, he can repay the loan after he earns money, so that there are more wooden frame shops, more furniture, and it is more convenient for the people to buy things, and the Wang family also makes money. ”

Chen Yuanheng thought for a while and said: "Yes, you can also open a snack shop, buy a carriage to go back and forth in the village on the street to do business, pull people, and open a cloth shop, oil shop and so on." There is so much business that can be done. They are all small businesses, and the capital required is not large, but it is not slow to make money, and it is easy to repay the loan. ”

Chen Wenhui said: "This is a collection of armpits into a fur." If there are more small businesses, there will be more people who pay taxes, and the taxes will be good, and the county will be more prosperous. But if there is money in the county yamen, you can't just put the money and don't use it, you still have to put the money in, such as building a road and building a bridge, so that the traffic in Anseong will be better, and there will be more people doing business, and there will be a virtuous circle. ”

Chen Yuanheng's eyes lit up: "Yes, this is a good idea, I want to discuss it with Wang Yihe and Huang Tingzhen, after all, I am leaving, Huang Tingzhen is the county order, and this plan still depends on him to promote." ”

Chen Wenhui nodded, and said: "This loan to a businessman should be carefully investigated, we don't care about this, teach the Wang family, they originally opened a money bank, and they all know this." The interest rate can be slightly higher, because the business is much more profitable than farm work, and a little higher is acceptable. In this way, the Wang family can absorb a little more deposits, and people can deposit money in the bank, and the money bank can give less interest, so that the money bank can absorb everyone's money, and then take it out to make a difference, which is still very good, much more than the 160,000. There's more to do. ”

Chen Yuanheng said: "I can talk to the Wang family about this. Now everyone has to give money to the bank, because the bank keeps it for us. If there is no storage fee and interest, there must be many people who want to save it. In this way, the Wang family's business will be revitalized. ”

Chen Wenhui said: "Actually, it can't be called a money bank, it should be called a bank." ”

Chen Yuanheng said: "Bank, this is a good name. I'll talk to Wang Yihe tomorrow. ”

ps：

This is the first book I have written, and it has always been considered smooth, it has been reviewed, signed, and put on the shelves, thank you editors, thank you friends for your support. I will try my best to write well, and I would like to ask my friends who read the book to give me more advice.