After these words, Hu Du and the others felt like they had been beaten with chicken blood, only to feel that they had done all the business in vain in the past few decades, and they were ashamed to say it, because compared to Guo Dan's lending strategy, his previous lending was really unacceptable.

But this is not Guo Dan painting cakes for them.

Guo Dan was very serious about talking to them about this, this currency naturally needless to say, Tianjin Port hoarded currency in order to obtain silver taels, and seized the closed area of Banzhou, which was over there to issue paper money.

Much of the previous action revolved around currency.

As for lending.

In this day and age, who do you not lend to the imperial court?

The landlords have money, they can't borrow money, and the people have no money, lending them money is nothing more than forcing them to sell their sons and daughters.

Forcing is also a reason for the rise in stock prices.

The imperial court is the best place to lend.

After talking about these, the two sides finally formally signed a merger contract in Yinuo Yaxing, Hu Du and their total of 30 tea estates were all merged into Yinuo Yaxing, in fact, 61, but those 29 are too small and of little significance, so Guo Dan doesn't want it.

Having said that, these thirty-two families are actually not of much significance to Guo Dan, Guo Dan has to be a Jin businessman to get talents and connections.

After all, they have traveled from south to north and seen a lot, and they can be found wherever they are, which is very important to Guo Dan, and the incident of returning to Ningxia last time has fully illustrated this point.

For Hu Du and them, this is undoubtedly a gold-plated cooperation, from a local chicken to a phoenix.

It's really worth it to exchange these two shares with your life's hard work.

Hu Du knows very well in his heart that if they are not merged into Yinuo Qianzhuang, their tea house will be crushed by Yinuo Qianzhuang sooner or later, and now it looks even more so, in fact, Yinuo Insurance has narrowed their lending business a lot, and now Guo Dan's attitude makes him more sure that Yinuo Qianzhuang will monopolize lending to the people in the future.

Guo Dan's emphasis is on low interest and earning word of mouth.

Then who will run to someone else's house to borrow money.

After Hu Du and the others left, Guo Dan saw that Aunt Xu was still reading the contract, and couldn't help asking, "What does Madame think?" ”

Aunt Xu glanced up at him and said, "I finally understand why you have always been reluctant to be an official and are so unconcerned about the reform of the imperial court. ”

Guo smiled and asked, "Why?" ”

Aunt Xu said: "Because no matter how they change, it will only become the system you want in the end, so you have always had no interest in being an official and reforming." ”

This question has actually been bothering her, because she feels that with Guo Dan's current status and strength, she should no longer stay away from politics, but should actively participate in it, and then carry out reforms from top to bottom.

But Guo Dan has always kept a certain distance from politics, even the Southwest Campaign and the Ningxia Campaign are just a deal for him, he did not solve these problems from a political point of view, as for reform or something, except for the exemption of privileges, the rest is not what he thinks.

But the question is, if you don't participate, will others consider your interests?

Guo smiled and asked, "How can you see it?" ”

Aunt Xu said: "Now that the fire consumption tax has just risen, the people are already complaining about it, however, at present, there are not many officials who have benefited from the fire consumption tax, and the court still hopes to change, because this fire consumption tax was brought by Zhang Juzheng, and it is also in the interests of many people to oppose the fire consumption tax, so His Majesty will not be hindered too much in promoting the fire consumption tax in the court."

Since Zhengde, whether it is the imperial court, or the local government has been suffering from finance, if the wind and rain are good to repay, but encounter a little difficulty, the finance will inevitably not be able to support, and in the end can only eat grain, if there is a stable loan bank, it is actually a good thing for the government, a promise money village will inevitably become a big creditor of many officials, then you will not have the final say. ”

As soon as she heard about the exemption of fire taxes and the official government of money lending, she knew that this was all Guo Dan's thoughtful thinking, and she was by no means drawing cakes.

Because both of these points were the problems of the Ming Dynasty, and at the same time, they were also the needs.

Fire consumption has just risen, and there are not many interests involved, and at the same time, there are many people who oppose the imperial court, and the exemption of fire consumption tax coins is actually helping the imperial court to reduce the loss.

Because of the relationship between Taizu, the tax revenue of the Ming court is not high, and it has always been at a high risk, and once there is a natural disaster, it is powerless to resist it, because the imperial court needs a loan institution very much, so that they can eat food reasonably, which is actually a demand relationship.

But once Guo Dan becomes the creditor of the government, how to repay the money, you can't, then I'll teach you.

Then it's up to him to decide.

Of course, this big boss is still a fat house, and a fat house can control the finances of the local government in one fell swoop.

It's a great two-pronged approach.

Guo Dan shook his head with a smile.

Aunt Xu was curious: "Isn't it?" ”

Guo Dan suddenly stood up and said, "The weather is good today, let's go shopping, talk while walking." ”

Aunt Xu hesitated for a moment, then nodded, stood up, and saw Guo Dan walking over very naturally, gently holding her with one hand.

She didn't react for a while, and when she took two steps, she just arrived at the door, she suddenly woke up, turned her head and glared at Guo Dan coldly, "Do you believe it or not, I threw you out." ”

Guo Dan was stunned and said, "What are you doing?" ”

Aunt Xu said angrily: "Your hand." ”

"Oh, that's what you mean." Guo Dan raised his hand and said with a smile: "This is a process of mutual adaptation, we are husband and wife, we have to get used to supporting each other, or do you want to directly build a cave room to spend candle nights, I don't mind." ”

Aunt Xu frowned slightly, pondered for a moment, and said, "But husband and wife can't hook shoulders in public." ”

It is said that there is no confidence, because it stands to reason that she wants to spend candle nights in the cave directly, but she definitely can't accept this, she never thought that she would have such a day, Guo Dan said that she has to adapt, and she actually agrees with it in her heart.

In fact, they are husband and wife, and there is no escaping this, so they can only slowly adapt to this relationship, if they really can't adapt to it, then let's talk about it.

Guo Dan said: "It's that you think too much, if you don't say it, I don't care, as long as we act right, sit upright, and be above board, others won't think much about it, all you think about yourself is some dirty things, and people will feel dirty when they look at you." ”

"You're just dirty."

Aunt Xu snorted and went out of the door.

Guo Dan laughed and chased out.

Out of her teeth, Aunt Xu asked, "Can you say it?" ”

Guo Dan asked rhetorically: "You said that this Weihui Mansion, since the Shang Dynasty changed the law to Zhang Juzheng's reform, has the changes that have taken place in the past few years?" ”

Aunt Xu's beautiful eyes widened, and she suddenly stopped, and immediately condensed her eyebrows and thought about it.

Guo Dan gently hugged her again and said, "Think while walking." ”

Aunt Xu was slightly stunned, then walked forward again, and said thoughtfully: "It is indeed not as big as the changes in the past few years. ”

Guo Dan said: "It can be seen that in the case of no change in productivity, change and change, it is nothing more than two results, change is not good, then everyone will be the prince and the prince will have a kind of Xiangning, change it well, then it will be over, because it is not much better, just say that in the prosperous era of the Han and Tang Dynasties, the people of Chang'an are not as good as the people of Weihui Mansion, after all, there is so much wealth, even if it is average, it is just a little bit."

The key to progress lies in the mode of production and productivity, not the system, the system can only be an auxiliary productive force, with policies to encourage production, guide everyone to progress, but the system is also very important, if the system hinders the progress of the productive forces, it will be very bad.

The reason why I don't get involved is not because the reform is not important, but simply because the ministers of the DPRK and China are too difficult to deal with, and it takes too much time and energy to fight with them, and it may not be able to fight, I don't want to be involved in this whirlpool of internal friction, and it is very rare to want to carry out reform from the top down, so it is better to go from the bottom up, and the change in the way of life of the people will naturally affect the imperial court, of course, all this is based on Your Majesty's trust in me, if Your Majesty does not cooperate with me, it is also wishful thinking. ”

"Yes!"

Aunt Xu suddenly raised her eyes and looked around, "What really changed Weihui Mansion was actually this big workshop..... Yinuo Pharmacy? ”

Her eyes suddenly locked on a shop.

Guo Dan followed her gaze and saw that there was a big pharmacy on the side of Yinuo Street, with a plaque hanging on it, which read--- Yinuo Pharmacy, and said with a smile: "It's already open!" ”

The two of them went to the big pharmacy again.

"Oops! It's Consultant Guo who is here, and there is a loss of welcome, and there is a loss of welcome! ”

When the shopkeeper of the pharmacy saw Guo Dan, he hurriedly walked out and bowed.

This person's name is Zhu Qing, and he is a pharmacist in the Zhou Palace, and Guo Dan has also met him.

Guo smiled and asked, "How's the business?" ”

Zhu Qing said embarrassedly: "There are more and more people, and the business of this pharmacy is naturally getting better and better." ”

Of course, it's not a good thing for people to get sick.

Aunt Xu asked, "Doesn't Weihui Mansion have medical insurance?" ”

Zhu Qing hurriedly said: "Back to Mrs. Hui's words, because the population growth of Weihui Mansion is too fast, especially in the past two years, most people do not enjoy medical insurance, they have to pay taxes in Weihui Mansion for five years, and they can still enjoy medical insurance, we still have to make money, but we don't expect the pharmacy in Weihui Mansion to make much money, because our medicine has been sold all over the country." ”

No matter what Guo Dan does, it must be commercialized, and the same is true for medicines.

Guo Dan looked around and asked, "How many kinds of medicine are there in the pharmacy now?" ”

Zhu Qing replied: "There are a total of twenty-eight commonly used medicines, all of which are absolutely effective, and there will be no harm, of which eighteen are from our Zhou Wangfu, and ten are from the medical school." ”

Aunt Xu looked at the cabinet and found that these medicines were either in bottles or in wooden boxes, she picked up a bottle casually and looked at it, and found that there was a piece of paper on it, printed with the logo of "King Zhou", and the curative effect and use method were also written on it, and she couldn't help but say: "With these instructions, you don't need to see a doctor to use it." ”

Zhu Qingdao: "In fact, if you are not sick, you can also prepare some at home, we do not sell prescription drugs here, if you are seriously ill, you must go to Yinuo Hospital, and the doctors there will diagnose and prescribe medicines, but our hospitals in Weihui Mansion do not need money to see a doctor, and the medicine is also very cheap, and ordinary people without medical insurance will not have too much burden." ”

"So good?"

Aunt Xu was surprised.

Zhu Qing smiled and glanced at Guo Dan.

Guo Dan explained: "Madame doesn't know, the medicines that are now placed here are all made through this kind of free diagnosis and the accumulation of low drug costs, and when these experiences precipitate the finished drugs, they can be sold to various places and earn huge profits." ”

Zhu Qingzhi nodded and said: "Consultant Guo really deserves to be a genius in the Ming business world, this method is really wonderful, now there are many Mongolians who come to buy our medicine, and the income from the medicine shop is quite good." ”

Speaking of the back, he was so happy that he couldn't close his mouth.

Not only is it quite good, Zhou Wangfu now gradually does not care about what salt profits, field tax, if Guo Dan restricts the transformation of farmland, it is estimated that a large number of fields in Zhou Wangfu have been changed to plant medicinal materials, and the entire Zhou Wangfu is dedicated to this pharmaceutical, because the commercialization of this medicinal material, coupled with national sales, is simply a cornucopia.

Weihui Mansion's medical insurance and free diagnosis are actually a transaction, because today's technology can't keep up, and only with a lot of experience can we determine the composition and dosage of medicine, which Weihui Mansion is a test base.

It sounds inhumane, but the problem is that no one has a better choice.

Guo Dan wants to go to the doctor, and he will also become the object of the test, especially the doctor himself, which is actually fair to everyone and contributes to the progress of medical treatment.