Coming out of the coal yard, everyone walked along the side road on the bank of the Taoxi River, and rode horses to hug the three princes back to the military office.

At this time, when encountering Shen Yang, Li Zhihe, Zhou Yuan, Zhang Qian, Guo Liang, Gao Chengyuan and others, Yang Yuanpu directly mentioned Han Qian's suggestion that the military government should use the river at the southern foot of Baohua Mountain to build hydraulic equipment on a large scale.

Shen Yang and Li Zhihe support this.

There are few people in the camp, and even if five or six thousand elites are sent north to participate before winter, the military government still has a large number of surplus labor to send.

If we can do more things from outside, the military government in the cantonment camp will be able to earn more income, and the living conditions of the cantonment generals will be improved.

Zhou Yuan couldn't wait to point at Han Qian's nose and scold his mother.

What Han Qian can do, he may not be able to do.

If it is really easy to intercept the flow and build dams, build connecting machines, and water wheel mills, etc., is it not that between the low mountains and low hills on the periphery of Jinling City, there are water wheel mills everywhere?

Although there are no water mills outside Jinling City, how many are there anyway?

However, Zhou Yuan couldn't say that he couldn't do it, his face was a little stiff, and he didn't know how to respond.

"Not to mention the counties of Gyeonggi, there are nearly 500,000 people in Jinling City alone, and they all suffer from eating rice and grain, which is also an important factor in the price of rice in Jinling. If Lord Zhou can build 20 large-scale water mills or 50 medium-sized water mills before the year, and can produce 1,000 stone meters a day, in addition to supporting a lot of people, he will be able to increase the harvest of 3,500 stone rice grain for the military government next year. In this matter, Lord Zhou has to grit his teeth to do it! Han Qian didn't forget to cheer for Zhou Yuan, and couldn't wait to raise a small flag to wave the flag and shout for him.

"Master Han knows how much trouble it will take to do this?" Zhou Yuan stared at Han Qian pitifully and asked.

"If my master Cao's work is done, I can barely do it." Han Qian smiled and said.

Zhou Yuan was so hateful that he wanted to rush forward and bite Han Qian.

"Zhou Yuan, are you sure you can do this?" Yang Yuanpu stared at Zhou Yuan and asked, he didn't want to give Zhou Yuan a way out.

"Zhou Yuan is willing to smear His Highness's liver and brain." Zhou Yuan could only grit his teeth and accept it first.

"Well, in the military government, the soldiers who have not been sent are all at your disposal, and if you do this for me a few years ago, you will be rewarded." Yang Yuanpu also knew that if he wanted to establish his power in the Dragon Bird Army, he should directly intervene in the affairs of Zhu Cao, so that he could reward and punish him, rather than just be a decoration.

Pushing Zhou Yuan into the deep pit he had dug, Han Qian said to the third prince again: "Your Highness, Han Qian still has one more matter, and he must ask His Highness for permission before he can implement it." ”

"What's the matter?" Yang Yuanpu asked.

"The craftsman wants to borrow money and grain from the outside world in the name of His Royal Highness to meet the urgency of this time," Han Qian said, "At this time, the Shitanghe Warehouse has been built, and the goods come and go, and the streets and alleys on the left and right have heard of it, but few people know that the warehouse is the property of the Marquis of Linjiang. I would like to advertise it in the name of His Highness, and then use the warehouse to promise huge profits and borrow money and grain from the streets and alleys on the left and right, and run the business with ......"

In the history of the previous dynasty's money-catching order, it became a common practice for the government to lend, but it was rare to borrow money and grain from the private sector with high profits - the official family really wanted to be short of money, wasn't it all cleverly set up in the name of the project, and it was directly scraped?

If Zuo Si really has reached a stretched point, he can borrow money and food for emergencies, but there is nothing to do.

It's just that arrears of loans between private individuals are a common thing in the world, and everyone listens to Han Qian's intention to use the name of the three princes to lend money to the people in the streets and alleys, and they are not limited to specific objects.

Although Xinchanghou, Mrs. Heisha, Yao Xishui and others were not present, Shen Yang, Li Zhihe, Zhou Yuan, Zhang Qian, Chai Jian, etc. were all aware of the practice, and even Li Chong could think of why Han Qian suddenly made such a suggestion in a short time.

Zuo Si's manpower is constantly expanding, and he can't hold it at all, right?

However, he didn't give others a chance to question Han Qian, Yang Yuanpu asked Han Qian directly:

"Promise a lot of profits? With a few points of profit, how can the warehouse continue to give profits, and not be afraid of being unsustainable? ”

Yang Yuanpu didn't ask Han Qian about the purpose of raising money in the name of the Linjiang Marquis Mansion, and was more concerned about whether Zuo Si could do this.

"I plan to raise a loan of 30 million yuan, one is to fund the fleet to travel between the Jianghuai River, the length of transportation to make up for the shortcomings, and the other is to supplement the principal of the workshop. The monthly allowance is four percent, and the total annual profit is about 14.4 million yuan, Zuo Si should be able to barely maintain it, Your Highness should not worry. Han Qian said with a flat face.

At that time, the interest rate of private lending was extremely high, and as long as it did not exceed the "one book and one interest", the government was not allowed to interfere, and the so-called "one book and one interest" was actually 100 percent of the annual interest rate; This is much more lenient than usury a thousand years later.

In the previous dynasty, the official gave the principal, and the monthly interest rate was as high as 96%.

If anyone in the government is forced to share this errand, he must do his best to apportionment and scrape in order to complete the task, and there are even many people who are bankrupt for it; At the same time, although there will be many wealthy households who are willing to take the initiative to assume their positions, these wealthy households mainly take money from their own families to subsidize official interest, in order to be able to exchange for corresponding honors and fame after the completion of their term of office.

The standing liquidation order set up by Xu Zhujun in the current dynasty is the same as the nature of the history of the money arrest order, but the official interest is more relaxed, but the requirement is also to pay sixty percent of the interest annually......

For example, Han Qian forcibly assigned the envoy of the Longque Army to Feng Yi and Kong Xirong, and sent the principal of 800 quintals of tea converted into 4 million yuan to the Feng family, which means that the Feng family will have to hand over 11.2 million yuan with principal and interest within three years, which shows that Feng Yi and Kong Xirong are qualified to do their job.

And this money is unlikely to fall into the pockets of Han Qian or Zuo Si.

The Dragon Bird Army was able to set up a standing liquidation order, which was an important channel for the Dragon Bird Army to raise military funds, and in addition to the principal, the profit money should be included in the overall arrangement of Cangcao.

This is the profit forcibly apportioned by the government, and the private loans of the private sector are lower, but they are definitely not much lower.

It is also for this reason that no one is willing to borrow unless it is absolutely necessary.

Otherwise, Shen Yang, Li Pu of the Marquis of Xinchang Mansion and Li Zhihe would not have thought of borrowing heavily to relieve the urgency?

Borrowing is naturally very easy, and the armies together have hundreds of money-grabbing orders, all of whom are eager to lend out the principal of the official, so that they can not only complete the task, but also get the knighthood after the expiration, but the official annual payment of sixty percent of the profit, except for those who really want to buy the knight through this way, who can afford it?

The Marquis of Xinchang Mansion and the Late Red Mansion were not only reluctant to borrow, but even lent money as an important source of income for them.

However, all this also means that Han Qian wants to engage in P2P, and the interest rate released is too low to raise money at all.

Four percent per month, converted into an annual interest rate of 48%, which can only be regarded as a relatively suitable lending interest rate in the private sector, but such a high interest rate, usually there is a shortage of things to borrow, or there is a higher interest to let out, otherwise there is no one in the world willing to bear such a high loan interest rate on a large scale?

…………

…………

Anyway, Zhou Yuan thought about opposing this matter for the first time.

Chai Jian, Li Chong and the others also frowned when they heard this, Han Qian was unscrupulous to expand Zuo Si's power yesterday, and today he wanted to take away 30 million money in the name of borrowing money in the name of Linjiang Houfu, how can there be such a good thing in the world?

Only Li Zhihe secretly made his eyes look at them, telling them not to be impatient.

Li Chong wanted to say something, but after seeing that the third prince had heard Han Qian's words, he only looked at Shen Yang with some hesitation, and did not mean to ask for their opinions.

Li Chong also understood that the eldest brother wanted them not to be in a hurry to oppose it, so as to destroy the trust of the three princes in them again, and it was obvious that the three princes intended to connive at Zuo Si's expansion of power.

Therefore, the third prince is more concerned about whether this matter is feasible or not.

They are in a hurry to oppose at this time, what will they ask the three princes to think of them?

Seeing that the third prince was looking over, Shen Yang glanced at Han Qian, groaned for a while, and said, "If you only raise 30 million yuan, Lord Han may be able to hold it." ”

Hearing Shen Yang say this, Yang Yuanpu nodded and said to Han Qian: "This matter can indeed be done, you will let it go." ”

Li Zhihe frowned slightly, but seeing that Shen Yang said that it was feasible, it was inconvenient for him to say anything directly at this time.

Chai Jian, Li Chong and others led the guard battalion to escort the three princes back to the city first, and even if Li Zhihe, Zhou Yuan, Guo Liang, Zhang Qian and others had doubts in their hearts, they all held back for the time being, and first said goodbye to their respective affairs at hand.

Shen Yang called out to Han Qian, stared at his face, and asked, "You seem to be sure that you will be able to decide the winner within three years?" ”

"Since Mr. thinks I can't hold such a big plate, why don't you directly find out with Your Highness?" Han Qian asked with a smile.

"With the status quo, I don't think you can survive for three years, but so many things have happened in the past year, who knows what will happen in the next three years?" Shen Yang sighed lightly and said, "I hope that after Zuo Si becomes stronger, you can not forget your father's sincerity in treating the infected and displaced people?" ”

Han Qian didn't respond to Shen Yang's words, but just bowed to Shen Yang, then turned over and stepped on the horse, surrounded by Zhao Wuji and Zhao Ting'er, Xi Ying and others who were dressed as men, and galloped towards the Qiuhu Mountain Courtyard.

Facing the sunset, riding a horse along the side road on the east side of the Taoxi River to the villa, Zhao Ting'er still couldn't help but ask: "With such a large-scale fundraising and such a high profit, can the son really hold on?" ”

"What if you can't hold on?" Han Qian squinted at the sunset, which was no longer dazzling, and said with a smile.

"Lord Shen Yang actually thinks it's enough to hang, but why do you want to help you speak?" Zhao Ting'er asked.

"What do you think?" Han Qian turned his head, asked Zhao Ting'er with a smile, and said to Xi Ying, who was listening attentively, "This is the question I gave you today, if you can answer it, you will almost be able to stand alone." ”

Xi Ying couldn't guess, but he frowned, expressing disdain.

Zhao Ting'er frowned slightly and asked, "Why does Lord Shen Yang think that you will judge that you will win or lose within three years?" ”

"It's very simple, Mr. Shen Yang thinks that even if we play the trick of borrowing the new to repay the old, we can actually only last three years," Han Qian said with a smile, "So Shen Yang thinks that I think that the battle for the heir will be won or lost in three years." ”

"I see!" Zhao Ting'er suddenly realized, "Three years later, the three princes will win the competition, Zuo Si don't say 30 million yuan, that is, the plate of 300 million yuan can't hold up, and it is also a trivial matter. And three years later, the three princes failed in the battle for succession, everything was empty, and it was difficult for us to save our lives, who could care if they could hold this plate? Maybe Mr. Shen Yang thinks the same way, so he didn't make it clear to His Highness, right? ”

"Your irresponsible temperament is really unbelievable!" Han Qian laughed.

"Obviously it's the young master, that's what you think in your heart, and you rely on me again?" Zhao Ting'er said coquettishly.

"Hmph, you all said that the Marquis of Xinchang Mansion did everything possible to control Zuo Si, how could you succeed easily?" Xi Ying knew that if he could really raise money from this channel, Han Qian would never stop after raising 30 million yuan, seeing that Han Qian and Zhao Ting'er were so carried away, he couldn't help but say something to hit them.

"Guided by the situation, the momentum is unstoppable." Han Qian said lightly, as long as Zuo Si was barely of some use, he didn't think that Li Pu and the black gauze woman could stop him at this time.