"yes, there's no money." Zhu Zhanji's face was full of pain: "There are too many places to spend money, and the speed of making money is too slow, so it's a good thing that the two hundred ingots of treasure money can last for half a month." ”

Yang Shaofeng touched his chin and pondered for a long time, then suddenly raised his head and stared at Zhu Zhanji and said, "What about that family?" That house is almost slaughtered, and it hasn't made any good things? ”

"Yes! And a lot. Zhu Zhanji said: "But the things of that family have nothing to do with us at all, Xia Lao shouts every day that the treasury is empty, and he has already confiscated all this money, and if you want to get money out of his hands, there is basically no hope."

In addition, you don't have to fight the ideas of other gentry anymore, the whole Shandong is now except for the gentry and landlords in Jinan Mansion who are not unlucky, and the rest have long been slaughtered by Tang Sai'er, and now you have to slaughter a fat sheep if you want to. ”

As soon as he heard that the last road was blocked, Yang Shaofeng suddenly felt a pain.

The well-known scholar Mr. Luo Yi once said that it is good to have money, but it is difficult to pass without money.

Later generations of flower planters can get off the fishery ship like dumplings, all kinds of two kicks and the like will be thrown into the sky at two ends in three days, a large number of Beidou satellites to seize the communication frequency band, crowding Europa's Galileo system is about to run out of channels available, in the final analysis, it is still two words, there is money, and the fist is hard.

At the beginning of the elderly, how much scientific research strength did the entire flower grower have? How many petty coins are there in the treasury? The poor and crazy rabbit dares to sell even two kicks to a big dog......

Later, the elder endured humiliation and burdens for several years, even if he was bullied, he lost his teeth and swallowed blood, and forced the military to make way for the economy, isn't it just to save a few small money?

Although there are such and such unsatisfactory things, in the final analysis, the skills are not as good as others, and the strength is like people, either endure or continue to endure.

Obviously, the elder really endured it, so much so that even the little rabbits of the flower planter couldn't stand it, and finally saved a huge family foundation for the rise of the flower planter.

As for now—

Building roads, building schools, buying duck eggs, buying seafood, and building ships, none of these messy things are money-saving, not to mention that Jimo County's original tax revenue in Yongle for 18 years is not much money, even if it is added to the autumn tax that has not yet been collected, it is still not enough.

Not to mention that Yang Shaofeng plans to get more "laborers" back.

What made Yang Shaofeng even more worried was that Yang Shaofeng secretly instructed Tang Sai'er to stir up the whole of Shandong into a mess, and a large number of landlords became dead souls, so that now if they want to slaughter a few fat sheep, they are facing a situation where there are no sheep to slaughter.

Of course, Yang Shaofeng has not thought about playing games such as national bonds, and unlike the five major mobile arms dealers in later generations, now the whole world can afford to be called a big hooligan, and he is not worried about what financial means someone plays.

It's just that when there is a way to play.

The flower grower plays with the national debt because the national credit of the flower grower is endorsed, and the bunnies of the flower grower are willing to believe in the credibility of the flower planter's government.

But Da Ming ...... Basically, there is no question of credibility or credibility, because no one believes in the credibility of the government at all, and the people of Shandong are already poor, even if they want to support Yang Shaofeng to play with national bonds, these people who have been poor peasants for eight lifetimes do not have the strength to support it.

After pondering for a long time, Yang Shaofeng touched his chin and said, "Isn't the bank rich?" Although the Jimo branch is not large, aren't the major workshops and the salaries of the people in the bank during this time? ”

"What do you want to do?"

Zhu Zhanji hesitated and said: "It's not easy for Xia Laoli to agree to your interception of five years of taxes, and it is impossible for him to agree to you to touch the bank's money." ”

Yang Shaofeng glanced at Zhu Zhanji and said, "Can't I find a bank loan?" Whether it is the Jimo branch, the Qingzhou and Jinan branches, even the Shandong branch are counted, does anyone lend their money? The people have a lot of savings, and they don't lend out the money, so do they want to keep the cubs? ”

"Loans? Banks do have a saying about lending, but in what capacity do you want to lend? As a businessman? Then you have a net worth of millions in your own family, why don't you just invest in it yourself? ”

Zhu Zhanji couldn't understand Yang Shaofeng's thinking: "If you take out a loan as Jimo County, how will you repay the money in the end?" And if you can do that, then other states can do the same? ”

Yang Shaofeng said: "Of course, I took out a loan as Jimo County.

If I put my family's money in, do I have to take a share? When I get rich in the future, all this money will go to my house, how much can the people of Jimo fall into?

If you borrow money as Jimo County, after the loan is repaid, the remaining money can be distributed to the people of Jimo, and the people of Jimo will also benefit. ”

"Something is wrong," Zhu Zhanji looked at Yang Shaofeng suspiciously and said, "This is not like your style, it is obvious that there are good things, but you don't plan to get involved?" ”

"It depends on what happens!"

Yang Shaofeng rolled his eyes and said: "For example, like engaging in the Japanese country and pit barbarians, these things are not to say that they are beneficial, even if they are not beneficial, I am willing to mix them in."

In the current situation of Jimo, if I get involved, it will be clear that I am taking advantage of the people, and I can still get involved in this kind of thing? ”

Zhu Zhanji said: "Then you say, can Xia Laojiao agree?" After all, if you can do this, other states and counties will definitely be able to do the same, and if you follow the example, it's okay to say that you have made money, but what if you lose money? ”

Yang Shaofeng was silent for a long time before he spoke: "Writing a plan, analyzing how much money is needed in the entire loan process, how much money can be earned in the future, and whether it is feasible, these things are things that I should worry about."

Whether the loan should be granted, and whether there will be corruption after the loan, these things should be worried about by the bank, the Metropolitan Procuratorate or the Jinyiwei.

Obviously, from the perspective of the imperial grandson, you should really worry about these things, after all, the ethics of officials are the same as the chastity of your sister, and you can't believe it.

But from my point of view, what I want to consider is the problem of Jimo County, how to solve the shortage of money in Jimo in the shortest possible time, and whether it is feasible to take this road. ”

Zhu Zhanji was silent for a long time and then said, "What about the interest?" Even if it's the lowest level of interest, it's a lot of money, right? ”

Yang Shaofeng chuckled and said, "What interest?" I can borrow money, why should I pay interest? ”

"Then Xia Lao Li will definitely not lend you a loan!"

Zhu Zhanji looked at Yang Shaofeng with the eyes of a second fool and said: "Now think about it, we pit a bunch of people in the capital, including Xia Laojiao, you are looking for him to borrow money now, isn't it falling into his hands?" It's good not to give you an interest rate increase, but you still expect to be interest-free? ”

Yang Shaofeng nodded seriously and replied, "Yes, it's interest-free." ”

Zhu Zhanji wondered: "How are you going to fool Xia Laojiao?" I'd rather believe that the sun will come out of the west than that he, Xia Lao, will be willing to lend you money interest-free. ”

Yang Shaofeng said: "Then we might as well make a bet, just bet that I will borrow one million yuan from Xia Laojiao, and in the end, Xia Laojiao will definitely lend it to me, and it will be interestless." Bet ......"

"I'm not betting with you." Before Yang Shaofeng finished speaking, Zhu Zhanji directly rejected Yang Shaofeng's proposal: "Daming prohibits gambling, I can't know the law and break the law." Also, you wrote this proposal yourself, right? ”

……

"Guaranteed by a county's taxes? A loan of 1 million? Pay it off in ten years? Still asking for no interest? Xia Yuanji casually threw aside the loan plan sent by Yang Shaofeng, and said angrily: "Let him get out!" Now that the treasury is empty, where did it come from a million taels! ”

Li Ti said cautiously: "Think twice? ”

Xia Yuanji snorted and said, "Think twice!" He is mad and has committed epilepsy, will you also commit it? Interest-free loan, one million taels, even if he can afford it, but one million taels in ten years is the same thing as one million taels now?

If you don't understand the Tao here, just check the prices of Yongle for eight years, and then check the current prices, is that the same thing?

The price of rice is flat, that is in the regular closing and reserve positions are supporting, and the rest of the things, what do you see that has not risen?

This means that ten million taels in ten years can only be equivalent to 800,000 taels or even 700,000 taels now, and what is losing inside and outside is the bank and the treasury! Phew! ”

After scolding, Xia Yuanji just picked up the tea and planned to send it off, but he put down the teacup in his hand, looked at Li Ti and said, "No, except for this plan, then Yang Crazy didn't say anything else?" ”

Li Ti replied helplessly: "It was the dog of Yang's crazy family who came to deliver the plan, except for sending the plan, he didn't say a word about the rest, and the lower officials couldn't find out more news." ”

"Dog?" Xia Yuanji frowned and said, "Since Yang Crazy has sent a dog here, it means that he is indeed planning to find a bank loan." ”

Li Ti hummed and said, "The ministry sees it clearly." ”

Xia Yuanji pondered for a long time and ordered: "You go to Jimo in person." ”

Li Ti asked, "What does the ministry mean?" ”

"Since Yang is really going to find a bank to borrow, the old man can't refute his face."

Xia Yuanji pondered and said, "You go and probe Yang's crazy tone to see what he is planning."

The old man estimated, then Yang Crazy definitely doesn't mind giving some interest, but the question of how much it depends on what you can talk about. ”

Li Ti nodded in response, but asked again: "What if he really doesn't plan to give interest?" ”

Xia Yuanji took a sip of tea and said, "Since it's a loan, it's business." Since it is a business, it is naturally a sky-high asking price, and the money is repaid on the ground. He Yang Shaofeng doesn't want to give interest, so you ask for it higher, and then drop it little by little.

If he really bites to death and doesn't give a penny of interest, then it depends on him, and it will be about one million yuan to pay back in ten years, and it doesn't hurt to pay it down. ”

When Xia Yuanji said this, Li Ti was immediately stunned - it was the loan plan you threw just now that made people get out, and now you agree with the statement of interest-free loans? So what else should I do?

Xia Yuanji looked at Li Ti and said, "Don't understand? ”

Li Ti bowed down and said, "Xiaguan really can't understand the key to this, and he still asks the ministry for guidance?" ”

Xia Yuanji hummed and said, "How many people are looking for bank loans in the border city now?" How many people are looking for bank loans in Beijing? How many people are looking for bank loans in Nanjing? What about other places? ”

Li Ti bowed down and said: "In comparison, there are the most people looking for bank loans in the capital, followed by the border city, and Nanjing is second.

As for other places, basically no people are willing to borrow money from banks, and most of them go to banks to handle some silver exchange business, and even deposit relatively little. ”

After finishing speaking, Li Ti reacted: "What does the ministry mean, is it to take the opportunity of Jimo to set up Jimo as an example and promote the business of lending?" ”

Xia Yuanji hummed and said, "Not bad." If it is simply by attracting deposits from the people, then sooner or later the bank will not be able to pay the interest, what will happen then? Refuse to pay?

You can also imagine the consequences of refusing to pay interest – people who have already begun to believe in banks will no longer trust banks, and people who don't believe in banks in the first place will resist banks even more.

Now there are indeed more people in the capital who dare to borrow, and there is no need to worry about not being able to pay interest in a short time, but after a long time, this problem should be revealed. ”

Li Ti said: "What does the ministry mean, do you want to push the lending business to the people? ”

"Yes and no." Xia Yuanji said: "If you take the liberty of pushing it away, it is inevitable that there will be a situation where bank officials collude to force the people to borrow, and when the time comes, those who need to use money will borrow, and those who don't need money will also borrow, and the bank will have less money, and it will be easy to have problems."

However, the only places that have opened up for lending are Beijing, Border City, and Nanjing, and the amount of borrowing is not large, the interest rate is not much, and the income of banks is also low, which is indeed a clear problem.

Therefore, the old man's meaning is to add another Jimo, and by the way, Zhejiang Renhe and Haining counties are also added. ”

As soon as he heard Xia Yuanji mention Haining and Renhe County, Li Ti immediately understood Xia Laoji's thoughts.

In September of the 18th year of Yongle, Haining and Renhe counties were considered to have fallen into bad luck, and several dikes were destroyed by heavy rain and tidal water for several days, and the local disaster situation was also very serious, although the situation in Shandong was not exactly the same, but it was similar.

This also means that the gentry and wealthy merchants of Haining and Renhe must have needed to borrow money to resume production, just like Jimo—isn't this an opportunity for the banks?

Looking at Li Ti's sudden realization, Xia Yuanji smiled and said, "Figured it out?" ”

Li Ti bowed down and said, "Xie Butang for guidance!" Xia Guan is grateful! ”

Xia Yuanji snorted, but said in a low voice: "Yang is crazy, you can talk about it, even if you talk about a cent of interest, it is still a little more income for the bank, which is much better than lending him a million yuan without interest, after all, the dynasty has a lot of money, and now the treasury is unable to support it." ”

Li Tiying said: "Yes, the lower official remembers." ”