Thinking of economic plants, Chen Wenhui also thought of one thing, which is a specialty of Luzon, that is, rubber. However, at present, the rubber tree has not yet been developed, and it seems that I should work a little bit on this thing.

Wan Shuhui didn't know that Chen Wenhui had already turned her mind to other places, and she continued: "I think we can also ask the disciples of the Hei family to teach us how to grow spices. Moreover, I can see that not only we have this idea, but also Tongren City and Tianshui City also have this idea. It's just that if everyone grows spices, will it lead to a drop in the price of spices and can't sell them? ”

At this time, Chen Wenhui came back to her senses and said: "It's not in the way, the market of Dachu is so big, where can our four cities be saturated?" Besides, what about the Wa Kingdom, Silla, Goguryeo, and the four great family lands, as well as the Hu people in the northwest, and the steppe peoples in the north? Where is it so easy to consume. In my opinion, you can go and discuss this matter with the black family, and we will also plant this. No, I'd better go talk to them. Tell me about it, what else do you see? ”

Wan Shuhui said: "That's all there is to it about Puning City. It's Tongren City, we are the closest to them, and now we buy all their timber, which is very cost-effective. The furniture of our Qingchun City is famous in Dachu. I think the workshop needs to be further expanded. This requires more wood, and luckily all four cities have a lot of wood in us. Also, Tongren City, I found that they are really rich, they don't care at all, and they are going to build it in an all-round way. However, instead of building houses where the people live, it was. First build the residences of those sons and brothers, which are beautiful, and they are all designed by the disciples of the Hei family. Also, they built a tall wall, but they haven't built it yet. Their people are still living in tents that we have provided long ago. However, some people have a little money. I've already started building my own house. After all. It's not a hassle to live in a not-so-decent house. Therefore, Tongren City is not as neat and beautiful as ours. Their buildings are a mess. But. They pay great attention to land reclamation, and now, among the four cities, Tongren City is the most wasteland. This time. The crops were ripe, and the city lords and deputy city lords of those fellow cities were all smiling. And that's just the first crop. Originally, the harvest was going to be less, and by the time the second crop was coming, it might be more, so. They all felt that the prospect was wonderful. ”

Chen Wenhui pursed her lips and said, "What do they know?" The family, the task given to them by the emperor is not to make money, nor to appease the people. Rather, build a granary. Can they not be happy that they are now seeing the first results? Don't compare yourself to these idiots. Future. They are our breadbasket. We just don't grow food and we can't starve to death, can we buy it from them? ”

Wan Shuhui laughed and said, "It turned out that you designed it." No wonder I said, why don't you urge the people in the city to plant food at all, and you still work hard to develop the workshop, and let the disciples of the black family teach the people to plant fruit trees, what if we don't have food to eat in the future? So that's what you had in mind. You come to make money, and those things that are slow to produce results and have little income from growing food will be left to the people of Tongren City to do. ”

Chen Wenhui smiled and said, "No one forced them, this is their own choice." Well, I think when their second crop is ripe, they won't be able to eat it, and some of it will be shipped to Dachu, and some of it will be sold to us. We don't have to transport grain from Yizhou Island to us, which saves a lot of freight. ”

Wan Shuhui laughed. After a while, Wan Shuhui easily controlled her laughter, and then said, "There is also your second brother's Tianshui City. ”

Chen Wenhui said: "I also went to Tianshui City. I think the second brother's urban development is very balanced, and it feels a bit like Xinguang City. ”

Wan Shuhui said: "Yes, the officials of Tianshui City are all from Xinguang City, of course, they are developed according to the appearance of Xinguang City. However, I also found a little desirable place in Tianshui City. ”

Chen Wenhui hurriedly asked, "Where is it desirable?" ”

Wan Shuhui said: "I found that their fishing industry is very developed. Many professional fishermen, have you found in Tianshui City, those seafood are particularly delicious? ”

Chen Wenhui clapped her hands and said, "Isn't it?" The seafood was delicious. Aren't we also by the sea? How did it not develop? ”

Wan Shuhui said: "Although we are also close to the sea, most of our officials and people come from the north, even from the south, and they only know how to eat river fresh, where do they know how to eat seafood?" For this fishing is naturally a layman. After we got here, only the old men and old ladies who had nothing to do went to catch the sea and get some small fish and shrimp, kelp and so on to eat. But Tianshui City is different, their officials are all from Xinguang City, where the fishing industry is very developed, so the officials deliberately guide the people to develop the fishing industry. After we came back from Tianshui City, didn't we pass the exam and recruit a lot of people from the black family to come to us as officials? I asked them to find out. Many of them have lived by the sea since childhood. There are many more who are very proficient in these, why don't we also set up a department in this area to manage these things such as sea trade, fishing, and so on, what do you think? ”

Chen Wenhui nodded and said, "I think it's okay, this candidate, you can choose from the people recruited by the black family." ”

Wan Shuhui hurriedly agreed.

Chen Wenhui saw that it was not early, so she said to Wan Shuhui: "You have been here for most of the day, and it is estimated that there are a lot of things in the yamen." You go get busy first. I'm going to write a letter. ”

Wan Shuhui hurriedly said goodbye and was about to go out, when Chen Wenhui stopped her again and asked, "I forgot to ask, how is the development of our bank during this period of time?" ”

Wan Shuhui hurriedly retracted her steps and said, "I'm about to talk to you about the bank." We have loans in all four cities. Our people repay their loans the fastest, and many people not only repay the principal with interest in advance, but also borrow the second installment, and many of the second installments have also repaid the principal with interest. For example, Deputy Director Gui has already returned the second issue. We did what you said, and we increased the loan amount for all these people, and also lowered the interest rate a little bit. This is not the case in other cities. Puning City and Tianshui City are okay. I found that Tongrencheng's loan repayment is very slow, which may be related to their agricultural income being the main income, so I would like to ask if the amount of money for this city should not be too large in the future. After all, their ability to repay loans is limited. ”

Chen Wenhui thought for a while and said, "As you said just now, many of the people in Tongren City still live in tents. I don't want the people I worked so hard to get to kill these boys. Also, their buildings are all in a mess, and they must have been very unhappy when they came to visit our beautiful and neat buildings. So, I came up with a way to increase the banking business there, and also, we could make some money for our engineering division. ”

Wan Shuhui hurriedly asked: "How to make money?" ”

"We can organize our slaves who have redeemed themselves on the construction site, hire the disciples of the Hei family to be designers, and then set up a construction workshop funded by our bank and engineering department," Chen said. This construction workshop went to Tongren City to build a house for them. After we have built it, we will sell it to their people, and if they can't afford it, we can borrow money from our bank to buy it for them. They are just required to pay in installments, with grain or silver paper every month to repay the principal and interest. This is called a mortgage. ”

Wan Shuhui was excited by this new business, although she hadn't understood it yet, but she could probably smell the huge business opportunities hidden here.

Wan Shuhui didn't leave, stayed behind, and discussed with Chen Wenhui the specific operation method of this mortgage.

That's all morning. When it was time for lunch, the two of them hadn't discussed it yet, and they talked while eating.

The next day, Wan Shuhui began to act in a hurry, she was really a man of action, while setting up an engineering workshop, she sent people to negotiate with Tian Jingye and others in Tongren City. Tian Jingye and others were very happy and hurriedly welcomed, not only welcomed, but also expressed their willingness to provide land in the city free of charge.

In this way, half a month later, Wan Shuhui took an engineering workshop composed of only three or four hundred people to Tongren City. These three or four hundred people were all managers, designers of the black family, and some bank staff, most of whom were skilled in construction, and they were all composed of slaves after redemption.

Tian Jingye was very dissatisfied when he saw that there were only such a few people, and asked: "How many houses can be built by such a few hundred people?" ”

Wan Shuhui said: "Don't look at our small number of people, all of us are skilled workers, and we have built thousands of houses in Qingchun City. They're all experts. We are ready to recruit local workers from you and pay them every month. In this way, your people can make money, and our engineering workshops can save a little money on the road. ”

As soon as Tian Jingye and the others thought about it, they welcomed them to live and build a good house.

A few months later, the exquisite, scattered small mansions were built, of course, this price was not as cheap as the small courtyard in Qingchun City. The price of each house is between eight taels and fifteen taels. Of course, these people can't afford it. However, at this time, the bank introduced a new policy to make housing loans. As long as you pay 30 to 40 percent of the house price, you can live in a house, and the rest of the money can be paid monthly or half a year. You can give food, you can give money, you can divide the total housing payment into ten years or five years to repay. In this way, there will be less apportionment every month, and ordinary people can afford it. The house sold out quickly. Many people have moved into new houses. More people wanted to buy a good house, and in this way, the second phase of construction of the engineering workshop began. (To be continued)

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