Facts have proved that the subsequent process of resettlement and reclamation of the Australian Federation is indeed very similar to the development of the western part of the United States in the old world - of course, unlike the Americans who dragged their families to the west by horse-drawn carts and ox-carts, the immigrants came to these reclamation areas by boat through various channels, including the rich continent in the south, of course.

It's just that in the early days of reclamation, the immigrants did receive funding from the Australian Commonwealth, but only indirectly - the traversers set up various for-profit and non-profit commercial and public welfare organizations to operate the matter.

To this end, Li Junming and his team also proposed a new form of operation - using a commercial organization such as the "Trade and Development Company" to help the migrants tide over the difficulties in the early stage of reclamation, and also allow the trade and development company to have certain economic benefits - at least not to lose money.

This "trade development company" model was designed by Mr. Li and was first implemented in Zixia Island.

In fact, the system of such a trade development company is essentially a supply depot or "supply and marketing cooperative" in a reclaimed area, and the institution is also a financial institution – the company is responsible for issuing small loans.

However, most of the so-called loans are not cash, but physical goods, such as food, tools, livestock and even housing, as well as daily necessities such as pots and pans, spoons, jars, needles, threads, and brains, which are very specific materials.

Because in the early stage of development, the reclamation area was a barbaric land, and cash was useless.

Except for housing and food, which were purchased and distributed according to uniform standards, the immigrants received other goods according to their own circumstances—they were frugal, voluntary, and allowed to trade.

Because these means of production and subsistence are eventually converted into silver, and later repaid by the output of the land, every household will be careful about how to use these materials more efficiently.

As the head of the household, the head of the family must use his brains to deal with these economic problems - first, to make his family have the basic conditions for land reclamation, to obtain the means of production through loans, and to make full use of these conditions to reclaim as much wasteland as possible.

At the same time, it is also necessary to pay attention to generating as little borrowing input as possible -- to open up as much land as possible and borrow as little as possible, which is actually a classic economic problem of finding the best balance between input and output.

Unlike most government-led resettlement projects, Li Junming's strategy is not to replace the migrants to find the best balance, and in reality there is no substitute for it - each household has its own specific situation, how can a "unified policy" be made?

Facts have proved that the strategy promoted by Zhu Lixu and others is very wise, and the situation of each family is different, how can it be one-size-fits-all? If this is the case, the inevitable result will be all kinds of fraud and inefficiency.

Of course, in both the old and new worlds, the government's attempt to dominate and meddle in such things is to control social resources and thus have the conditions to engage in large-scale corruption, but that is another level of the problem, which will not be repeated here.

In short, Li Junming and his family have very cleverly left this problem to each household to consider, and let people decide the scale of investment according to their own specific conditions, so as to achieve the goal of getting as much output as possible with as little input as possible.

As soon as this method of borrowing was introduced, it was quickly understood and enthusiastically responded to by immigrants, because a normal person, as long as he was not a lazy gangster who only thinks about getting something for nothing and fantasizes about beating local tyrants and sharing floating wealth, will gladly accept this method - because this method is equal and has clear property rights, and the pricing is reasonable, so this relief model has received more and more praise over time.

First of all, because this way of borrowing and repaying loans is very intuitive, and the immigrants know in their hearts that under the premise of reasonable investment, the more land they have cleared, the less pressure they will have to repay the loan in the future, because more land and the output in the land will dilute the original loan input, and the second is to fully take into account the different situations of each family, and those with a large population and strong labor will borrow more, and those with a small population can also borrow according to their own conditions, so that there is no increase in family burden, waste and shortage due to the mandatory one-size-fits-all approach.

This approach also led to a significant reduction in waste and non-performing loans, and improved the efficiency of the use of funds – and soon this method of reclamation lending became widespread, and later led to a series of more detailed legal documents, such as the Federal Discretionary Reclamation Lending Act, in addition to the Federal Relief Act.

In particular, this "Federal Freedom Reclamation and Lending Act" has a far-reaching impact on later generations - because the bill was jointly proposed by Zhu Beiguo, Li Junming and Xu Zhi in the Senate, so it is also called the "Zhu Li Xu Act".

The bill's approach to borrowing and reclamation is very open - the core of it is that there is no limit to the area of reclamation at all, and you can plant as much as you have the ability, which is obviously very suitable for the vast and sparsely populated Australian mainland and the uninhabited Nanyang Islands.

Of course, there are some key details in this, including the contributions made by Ren Ke when he was reclamation of Zixia Island - such as the loan standard formulated according to the unit area, which is also divided into many grades, according to the different regions and land nature, the standards are also very different, and there are also regulations on the reclamation time and continuous planting time - the "Australian Federal Free Reclamation Loan Act" stipulates that for ownerless wasteland, the annual amount of reclamation by the reclamation person must be filed with the lender and reviewed every year. And these newly cultivated wastelands must be sown and planted for five consecutive years, and by the sixth year, these newly cultivated lands will really be owned by the pioneers and become the private property of the reclamationists, and so on.

If the reclaimer can cultivate the wasteland for five years in a row, the territory should belong to the reclaimer, and the reclaimer will be punished, not only will he not get the land in the end, but he will also lose more than he gains because of the investment in the indiscriminate reclamation - every normal person is rational, driven by the instinct to seek profit and avoid disadvantage, will choose the economic plan that is most beneficial to himself, the theory of the famous economists of the old world, this time fully applied to the new world.

However, this method of reclamation is targeted - specifically to help those free families and individuals who have immigrated to the territory under the jurisdiction of the Australian Federation through various channels, in other words, the population of the naturalization camp in the Hou Xianglin of Sin'an City is not applicable to this method, because the naturalization camp is "trade labor", strictly speaking, these people are not free people, and only when the "trade labor force expires" and voluntarily becomes a free citizen of the Australian Commonwealth, you are eligible to apply for reclamation and obtain a loan.

So in the current situation, only immigrants on Wanshan Island and Zixia Island are eligible for this "free lending law".

To this end, the Federal Senate passed a resolution to establish a commercial organization responsible for the issuance and management of loans, and after discussion in the Senate, in view of the specific situation on Zixia Island, Xia Xiaoou's proposal was adopted - a commercial organization called "Zixia Island Trade and Development Company" was established, which was owned by all the traversers, and all traversers were shareholders of the company.

At the same time, the company is also the current owner of all the land on Zixia Island, which means that the settlers used the company's land as tenants for the first five years, and when the reclamation period expired and all the loan debts were repaid, the land was transferred to the private ownership of the reclaimers.