Something embarrassing happened, but it wasn't a big deal.

Literati always like to talk about a big truth first, but they ignore the truth of simplicity.

Still, that's okay!

The head of the money bank cleared his throat and said: "To put it bluntly, it means that you borrow 100 yuan from the money bank to buy a new plow, and agree to repay it in five years, and the interest for one year is half percent, that is, five yuan, and five years is 25 yuan." A total of 125 yuan will be repaid in five years, and only 25 yuan will be repaid every year. ”

"And now the price of grain is four dollars and one stone, and after the harvest every year, you only need to pay back six stones and one stone, and you can pay it back for five consecutive years, the old man said so, do you understand?"

As soon as the director of Qian Zhuang said this, everyone knew it in their hearts.

It's just that I have to pay back an extra 25 dollars in five years, and it hurts to think about it.

Twenty-five yuan, can buy six stone and one pound of grain, enough for one person to eat for four months......

"Don't just worry about that bit of grain, it's only a total of six stones and a pound of grain in five years, this is all up to every year, but a little more than a stone a year of interest, think about it again, if your family has a new plough, it's always okay to open two acres of land a year, right?"

"Even if you only collect two and a half stones per acre, this is one stone more than the original, right? This year has been overcharged by two stones, how much is five years? Charge an extra 10 stones! Even if you pay the interest of six stones and one jun, but in five years, there are still three stones and three juns in your hands? If you don't buy this new plow, where will the three stones come from? ”

"This is the case in the past five years, after five years, you don't have to repay the loan in the future, and you can collect two more stones of grain every year if you are lazy, if you are diligent, it will not be a problem to collect three or four more stones, right?"

"As for whether the loan will be repaid more and more, you don't need to worry about this, even if the money bank wants to pit you, and the household department wants to pit you, will His Majesty the Emperor agree? If it is really as you think, how many heads of the ministers are enough for His Majesty the Emperor to cut off? The director of Qian Zhuang took advantage of the situation and said, word by word, straight to the hearts of the people.

The surrounding people also began to think seriously about this matter.

The first thing to be sure of is that if you have a new plough in your home, the number of ploughs will definitely increase every year.

It's just a little tired.

But as a farmer who has been digging in the field all his life, the last thing he is afraid of is tiredness.

As long as the family can eat all year round, they are not hungry, and they don't worry about how to solve the next meal at any time, even if they are tired, they are willing.

The new plough is indeed much more labor-saving, except for the lower iron coulter, the structure is also very different from the old plow, and the manpower is basically reduced by half.

All in all, this price, this interest, they are acceptable and affordable.

"Is the money really going to let us pay back more?" An old man staggered forward.

As an old man who had suffered the pain of borrowing back then, he had the best understanding of these.

"Of course not, the money bank does not lend money by mouth, it is necessary to set up a certificate, every time you repay the loan, the money bank also gives you a receipt, if the receipt in your hand proves that you are enough, and there is no overdue, the money bank still let you repay the money, you can take the certificate directly to the government to sue the money bank." The director of Qian Zhuang said.

"Sue the official?" The old man frowned, not understanding what kind of plane the other party was doing.

You have explained that Qian Zhuang is also an official, how can there be a reason to sue the official?

If you don't sue, you won't dare to sue.

"Yes, it's to sue the official, now is not the past, His Majesty the Emperor often says that the country should be governed according to law, no matter who it is, everything must be done according to a law, there is a certificate to test, Your Majesty just can't bear to watch the people live the same as the pre-Qin period, so these rules have been established, hoping that the people can live and work in peace and contentment, and live happily." The director of Qian Zhuang said.

"Good! His Majesty the Emperor said it well! With this, my three cubs were bought, one for each person! The old man waved his hand excitedly and decided directly.

Although the three men in their thirties looked confused and reluctant, Daddy had already spoken, and their opinions could only be held back.

In the end, I could only follow my father's wishes and honestly apply for a loan on the spot.

The procedure was simple, with the villagers testifying that the three loan recipients did have land in their families and that there were enough people to cultivate it.

Qian Zhuang made a note with him, and the three did not choose five years, but chose four years, that is, a total of 120 yuan needed to be returned, which is equivalent to 30 yuan per Chinese New Year's Eve, corresponding to seven stones and two juns of grain.

The note was set up, and one was given to each of the three people, and another copy was kept by the bank, and the money, time, and amount of money to be repaid in each period were clearly listed.

Of course, the money was not directly given to the three people, but a certificate was issued to Tian Dan, and the money did not need to be transported back and forth.

Not to mention the trouble, it is also a waste of manpower and material resources, and when the time comes, Tian Dan can go to the money bank to cash out directly with this certificate.

And this incident made Tian Dan feel the convenience and power of the money bank again, this business, you can do it alone, you don't even need to count the money, you only need to go to the money bank to see if there is anything wrong with the number of accounts, it is very convenient.

Of course, Tian Dan didn't bring so many plows today.

Tian Dan said that someone would pull the plough over early tomorrow morning, and then he would be able to come and receive the plough with the loan voucher signed with Qian Zhuang.

And because of the village husband's guarantee, everyone doesn't have so many worries.

The first day's itinerary was not bad, more than 100 families were gathered, and more than 20 plows were sold.

This effect is actually very good, and with this foundation, Tian Dan will be much more confident in the future.

Qian Zhuang had already said hello, and now Qian Zhuang was eager to let the people recognize them and make Qian Zhuang's reputation, so he was extremely cooperative.

So, Tian Dan hurriedly notified the arranged manpower to set off immediately, and each county in Sanchuan County sent a few people, and when they arrived at the local rich village, the head of the village cooperated, and the township husband or county-level official accompanied him as a guarantee.

Tian Dan can basically confirm that the thousand plows in his hands will be sold soon.

At the same time, Tian Dan felt that the transport team was really a good thing.

After returning to Luoyang, Tian Dan immediately arranged for someone to notify the transport team to come and pull the plow and send it to the customer.

Due to the relative concentration of customers, Tian Dan only needs to send two people to follow him to confirm the identity of the customer.

As for the distance, it is very close, and you can go back and forth in half a day.

It's just that the plough is too big, and only three can be installed in one car.

Fortunately, the distance was not far, Tian Dan discussed it, and hired nine units at a price of two yuan per car.

……

Luoyang, inside the Imperial Palace.

The spring flowers are blooming, and the green is a piece of oil, and even the whole person's mood is a lot more comfortable.

Wang Ling has been in a bad mood lately, and if he can, he is definitely willing to explode on the spot.

In these years, not only the people were poor, but the government was also poor.

As a ministry that can only rely on the imperial court appropriation to get by, there is such an excellent opportunity to make money in front of him, although he has also earned this money, but he is red-eyed.

Why does this money make it so easy for Tian Dan?

Thinking of the stunned expression on the day when Tian Dan was looking for him, Wang Ling really wanted to kill him.

However, a month later, Wang Ling decided that he couldn't bear it anymore.

He decided to help Tian Dan.

"Your Majesty, the ability of the Marquis of Qi in business in the past year is very impressive, so the minister suggests appointing the Marquis of Qi as the secretary of the Ministry of Commerce, in charge of the commercial development of the empire!" Wang Ling suggested directly to Wang Buyu.

"Oh? What do other people think? Wang Bu was hungry and looked at the royal tomb, but did not break it directly.

Although he didn't leave the palace, he also heard about the things that came out of Tian Dan outside.

Although Wang Ling lost an opportunity, he didn't completely lose this opportunity, it was nothing more than making less money.

Now give Tian Dan some eye medicine, that's understandable.

Besides, Wang Buxing really thinks that Tian Dan is quite talented in business, and he is indeed a good material.

"Your Majesty, the minister thinks that Qi Hou can do it, and recently Qian Zhuang has basically relied on Qi Hou to support him!" Zhang Cang nodded in approval.

Well, he would never say that he had met Wang Ling before.

After all, Tian Dan is really capable, if he is a fool, even if the Minister of Civil and Military Affairs of the Manchu Dynasty recommends it, His Majesty will not let him serve as the secretary of the Ministry of Commerce.

"Let's talk about how much benefit Tian Dan has brought to you these days!" Wang Buxing smiled slightly, of course there is a problem with business doing too well, and it is a big problem, because there will be a lot of people with red eyes.

Tian Dan will not have so many complaints about the project, because this work is very tiring and not easy to do.

Although he made money, the investment in the early stage was too great, and except for nouveau riche like Tian Dan, no one in the whole Han could play it.

But the sale of farm tools is different, and at present, the entire Han Dynasty has found two coercions, a household department Shangshu Zhang is forced, and a Ministry of Industry Shangshu Wang is forced.

Now Tian Dan played himself directly, and he suddenly made the two of them worry about it, and it was difficult to get out.

Wang Ling looked at Zhang Cang, but Zhang Cang's old fox was not fooled, you took the initiative to provoke it, and you also earned the most, why should I say it first?

In desperation, Wang Ling had no choice but to say cautiously: "Your Majesty, in the past month, the Ministry of Industry has earned 140,000 yuan......

The first 1,000 units were sold out in less than five days, and then Tian Dan directly replenished 3,000 units, and these 3,000 units were sold out one after another within a month.

The production cost of the Ministry of Industry is about 15 yuan per plane, because the contract stipulates that the price will be reduced in the autumn, so it is still shipped at the price of 50 yuan per plane.

When he heard that the Ministry of Industry had earned 140,000 yuan, Zhang Cang suddenly felt that the money in his hand was not fragrant.

What's with what?

However, everyone's eyes were already on him, and it was obviously impossible to remain silent at this time.

Zhang Cang could only speak: "Your Majesty, counting the interest and expenses of the loan, Tian Dan's profit from each plow sold is forty yuan, and four thousand plows were sold this month, totaling 160,000 yuan, according to the fifteen tax one, so the household tax is 10,666 yuan." ”

Wang Buxing nodded, although more than 10,000 yuan is not much, but this is just the beginning, there are many big heads in the back, and this is just direct income, there are more invisible income.

"What about the situation over there?"