Chapter 249 Interest

Gongsun Sheng's strategic operation in Quancheng Mansion was slightly smoother than that in the direction of Dengzhou Mansion.

One of the main reasons is that Gongsun Sheng is very familiar with the habits of the Jianghu people, and on the side of Quancheng Mansion, the most troublesome thing is not Quancheng, which has been plundered countless times, but countless bandits and robbers lurking in the Taishan Mountains in the south of Quancheng Mansion.

In the vicinity of several counties such as Tai'an Prefecture, Laiwu and Xintai, Mount Tai, Guanshan Mountain, Gongshan Lotus Mountain and various famous and unknown mountains occupy the vast majority of the land.

Even if the Forces nouvelles are strong, they are difficult to play in this kind of terrain - in this kind of place, the strength of troops is a little more important than the combat effectiveness of individual soldiers.

The command of the new army estimated that at least 50,000 troops would be needed to completely sweep the mountainous areas near Tai'an Prefecture, which is a figure that Qingzhou cannot afford to go out anyway.

But Gongsun Sheng has his own way, he relies on his somewhat good reputation on the rivers and lakes, according to the rules of the green forest, all the way to worship the heroes of the mountains.

Gongsun Sheng obtained the approval of Xu Muhe, the envoy of Jiedu, in advance, and reached an agreement with the bandit leaders who were willing to go down the mountain.

The bandit leaders were transformed into local officials in several counties under the rule of Tai'an Prefecture, and their property was legally laundered.

In exchange, the Qingzhou army easily took control of the formidable mountainous area in the southern part of Quancheng Province without spending a single soldier.

In addition, Qingzhou has also gained some of the population who do not want to continue to live in the mountains.

After successfully crossing Tai'an Prefecture, the Qingzhou Army's march in Quancheng Prefecture was much smoother.

On the eighth day of December, the Qingzhou Army entered Quancheng, the provincial capital of the old Qi Province.

Two days later, another Qingzhou army from Gaoyuan occupied Qingcheng, Qidong, and Jiyang, and arrived in Quancheng to join Gongsun Sheng.

At this point, most of Qi Province east of the canal/Yellow River had been occupied by the Qingzhou army.

In fact, Xu Shiyang regretted attacking Quancheng Mansion - there were too many unstable factors mixed in it.

In particular, more than 100,000 former bandits from the vicinity of Taean Prefecture have descended the mountain to accept recruitment, which is almost the same number as the remaining population of other areas of the conservative and suffering Quancheng Province.

Xu Muhe moved about 20,000 people from it, but the rest of the population remained firmly in the hands of the former bandit leaders.

This turned a large area of territory near Tai'an Prefecture into a semi-independent feudal town in the Qingzhou-controlled area, which Xu Shiyang could not tolerate.

It's just that he doesn't have the strength to clean up these semi-independent forces now, which is like a fish in his throat - he can't swallow it, and he can't spit it out.

On the contrary, the Dengzhou Mansion was much better, due to the insistent resistance of most of the Dengzhou Wubao owners, most of the local powerful forces in Dengzhou were inadvertently swept away by Xie Zhen, which allowed Xu Shiyang to let go of his hands and feet and transform Dengzhou according to his own ideas.

The first thing to do, of course, is to sort out the land authority.

The land and mines owned by Dengzhou Haoqiang were brought under the direct jurisdiction of the Qingzhou government, and then the ownership was transferred to the newly established Dengzhou Agricultural Company.

Dengzhou Agricultural Company and Qingzhou Agricultural Company belong to the same level, which is equivalent to the "central enterprise" of Qingzhou Festival Marshal's Mansion, and has great rights.

After obtaining the land, the company destroyed the old ridges and boundary monuments, and connected all the cultivated land.

Subsequently, they concentrated on confiscating the land property rights certificates such as the old field wedges and fish scale books, and completely deprived the local tyrants who resisted Qingzhou of their land ownership.

The tenants who had been working on these lands were all scattered and resettled.

The Jieshuai Mansion worked tirelessly to relocate 5,000 households from Qingzhou and Laizhou to Dengzhou, and then moved 5,000 households from Dengzhou to supplement Qingzhou and Laizhou.

The cost of using this policy to eliminate the influence of local clans is very high – the amount of food needed for a single migration route is not a small amount.

Fortunately, Qingzhou's treasury is quite rich, and with Xu Shiyang's personal intervention, the food subsidies for immigrants are sufficient, and Qingzhou is a big army after all, and everyone does not have much private property, and the personal economic losses caused by migration are minimal.

Of course, this kind of policy can still be operated within such a small scope as the current Qi Province, and if the sphere of influence is expanded to the whole country in the future, this kind of trick will inevitably cause great losses to the people, and it is even possible to trigger a popular uprising.

Even so, Xu Shiyang still did not dare to be careless, in order to win the hearts of the people, he clearly stipulated that if it was voluntary immigration, the Jieshuai Mansion could give more preferential treatment economically.

The first is that when renting large livestock such as cattle and horses, as well as necessities such as houses, furniture, farming tools, seeds, and food rations, voluntary migrants can receive a lower interest rate – half of what forced migrants would have to pay.

And under the same conditions, voluntary immigrants can be given priority in renting crops and fertile land, and their taxes can be reduced as appropriate.

In order to cooperate with this policy, at the beginning of the 14th year of Jianxing, Xu Shiyang established the "Qimin Bank" in Qingzhou Mansion.

At this time, the authority of Qimin Bank is equivalent to a combination of the central bank and commercial banks, with the right to issue currency (silver coins and grain stamps) and the functions of issuing loans and absorbing savings.

Xu Shiyang prepared 200,000 yuan of new silver coins, 30,000 yuan of Wen Dazhou (less than 430,000 yuan, the reason why this unit is not used is to match the value of one yuan of new silver coins equivalent to 1,000 yuan) and 500,000 new silver coins worth of food stamps as reserves.

In the areas where the household registration of Qimin has been completed, such as Qingzhou, Laizhou, Dengzhou and some areas of Yanzhou, the population registered in the Yellow Book of Population of Jieshuaifu can borrow money from Qimin Bank.

The interest rate of Qimin Bank's loans is up to 30 percent per annum, and bad habits such as 13 returns from 9 out of 13 and compound interest on donkey rolling are strictly prohibited.

The Han peasants are either honest or ignorant, but they are never stupid, compared with the old usury of "double interest" at every turn, the loan of Qimin Bank is simply a rain from heaven!

Many people even can't wait to mortgage their lives and try to borrow a large amount of money from the bank, first pay off the usury that they owed to the owner of the dock fort in the old days, and then rent land, become a soldier or enter a factory, and slowly repay the loan from the Marshal's Mansion!

At this time, the places where the lord of the dock fort in Dengzhou Mansion and the north of Qingzhou Mansion have been uprooted are more advantageous - because when the Jieshuai Mansion was destroying the ridges and the boundaries of the fields, by the way, they burned all the IOUs that recorded the money and grain that everyone owed to the lord of the dock fort.

Therefore, the peasants in Dengzhou, northern Qingzhou, and other places do not need to owe a large amount of money to the banks to plug the big hole of usury in the past, but can directly borrow seeds and rations, and then they can enter the next year's production and life.

This set off more ripple effects:

In many areas where the landlord power is still strong, such as central Qingzhou, parts of Yanzhou and Laizhou, as well as those places in Quancheng Prefecture that have taken direct refuge and have not been stabbed, they still oppress tenants through usury and forcibly control the personal rights of the people of Wubao.

After learning about the interest rates enjoyed by the residents of other regions, the people of these places will inevitably have other ideas, and many people have begun to try to flee with their families, fleeing to the areas covered by the Qimin Bank, to escape the heavy economic oppression of the owners of the dock forts.