Chapter 1805 - Loans to buy ships and naval forces

In fact, there are not many people in England at the moment, less than 3 million in total. Counting the 500,000 people in Scotland and the 250,000 people in Ireland, it is a population of 300 or hundreds of thousands.

However, England is surrounded by the sea on three sides, and only the northern border with Scotland is not close to the sea. So, even though there are less than 3 million people, the total number of fishermen in England is in the hundreds of thousands.

Moreover, a few years ago, Marin also promoted a fishing boat loan scheme, which lent to poor fishermen in England to buy "big" fishing boats of several tens of tons.

The reason why Marin was willing to buy fishing boats for English fishermen without collateral, as he did with the Frisians in the country, was to cultivate a fisherman base, and then get more fishermen. In this way, there will be no shortage of sailors to recruit in the future.

At the moment, England is in the era of enclosure. Many English peasants were forced to become displaced people because of their land. Then, there were only two ways out left in front of them - one was to enter the woolen factory and become a woolen worker; The other, which was not available, but after Marin was willing to provide a loan, they had one more choice...... Take out a loan to buy a boat and become a fisherman......

These farmers, who have no fishing experience, are unable to survive because they have lost their land. Although the woolen factory recruits, there is also a limit to the number of people that can be recruited. Mainly, the source of wool is limited, and too many people cannot be recruited to spin wool. Therefore, in fact, many landless peasants have no way out and can only become displaced people and refugees.

However, the displaced people are a destabilizing factor in society, and it is easy to start an uprising or something, or it is easy to turn into a robber. Therefore, no country is happy to see the existence of displaced people.

Marin remembers reading sources that showed that during the reign of Henry VIII (1509-1547), there were too many landless peasants in the country, often in the hundreds of thousands. In order to protect social stability, Henry VIII brutally threw the homeless people into prison. Henry VIII even ordered the hanging of 72,000 wanderers (from pages 62-63 of the Manx Anthology) as a terror to the peasants who had lost their land.

At that time, some landless peasants were reluctant to work in woolen factories where exploitation was very strong, and preferred to wander with their families. At that time, there was a high proportion of wanderers in the city of London. In the 17th century, there were 50,000 homeless people out of a population of 200,000 in the city of London, which made London's law and order extremely corrupt. And the British colonized North America in the 17th century, and they were also frightened by the wanderers, so they did it. As a result, the results are very good. After all, those wanderers who went to the Americas would not have stayed in Britain to make trouble.

Of course, that was the case in history. In this time and space, because of Marin's incursions, the domestic situation in England has changed a lot.

Originally, during the reign of Henry VIII, there were hundreds of thousands of vagabonds in England, and peasant revolts against enclosures broke out in 1536 and 1537. Inspired by Henry VIII's already violent nature, he executed landless peasants on a large scale, totaling more than 70,000 people.

This is the original history, but because of Marin, Edward's war for the throne broke out in England during this time, and the Scottish army sacked the northern counties.

In Edward's war for the throne, tens of thousands of people died in England, and later tens of thousands of people were recruited by Marin to North America, and tens of thousands of people were recruited to Northumberland County to reclaim the wasteland. Therefore, at present, there are still relatively few homerangers in England, and the total number is tens of thousands. This is nothing for a country as large as England. Only a few hundred thousand wanderers would threaten the national security of England. Because, the total population of England is only about 3 million people.

Even these tens of thousands of homeless people who have lost their land are now gradually decreasing under the temptation of Marin's loan to buy fishing boats. And King Edward of England was happy to see this. Because, the number of homeless people is reduced, which means that the security environment is better and the society is more stable.

As for the problem that landless peasants who took out loans to buy boats could not fish, Marin even set up a special service company, which not only provided loans to buy fishing boats, but also sent experienced fishermen to bring new people to teach those landless peasants how to operate fishing boats and cast nets to fish. And, of course, the search for fishing areas. This last point is more difficult to learn, but fortunately, there are very few fishing boats at sea in this year, and the fishery resources are abundant. Even if you don't have a lot of experience, you can catch enough fish to sustain your family. After all, the North Sea fishery was one of the four largest fishing grounds in the world in later generations, and the fishery resources of this era were extremely rich because they were not much developed.

Moreover, Marin also stimulated the great development of the shipbuilding industry in the North Sea States by lending money to the landless peasants of England. Because, when Marin lent money to English fishermen and landless peasants, he did not give money to buy their own boats, but designated them to buy ships from the shipyards of the North Sea Kingdom. In this way, the loan for the purchase of a fishing boat would not even go to the English fishermen or landless peasants, but would be transferred from left hand to right hand and sent directly from the lending bank to the North Sea State shipyard under Marin's name......

In other words, Marin's so-called "lending money to people to buy fishing boats" is actually selling the boats produced by his own shipyard in disguise, similar to the later generations to buy cars in installments.

As a result, English fishermen and landless farmers had a new livelihood, and Marin was happy to have sold his fishing boats at a high price through similar mortgages and car loans.

Timber for fishing boats made by shipyards in the North Sea country is imported from the forests of southern Norway and southern Sweden, to which Denmark belongs.

Because Denmark lost its sovereignty over Sweden and lost the right to trade at sea, Marin decided to compensate for importing timber from Denmark, which was considered to be a little benefit for the Danish royal family. The purpose was, of course, not Marin's good intentions, but to maintain the balance of power between Denmark and Sweden. After all, Sweden has the existence of the French Lun copper mine, with strong financial resources and a thriving national strength. If Denmark had relied purely on farming, it would have been suppressed or even annexed by Sweden in the future.

Marin had little interest in Northern Europe and did not want Denmark or Sweden to be too strong and overpower their opponents. So, in order to find a balance, he deliberately imported oak from southern Norway and southern Sweden under Danish control from Denmark to make fishing boats. It was then sold in installments to poor fishermen at home and in England, as well as to landless farmers in England......

After this operation, almost all three parties benefited. Marlin has the most profits, after all, the total price of the installment is much higher than the actual price of the goods. Marin imitated the rules of later generations of lending, but relaxed the repayment to once a year. Moreover, there is no down payment. As a result, it has to be calculated to be 50% more than buying a boat in full at once. Invisibly, Marin made 50% more profit than others by selling the ship. Moreover, early repayment is not allowed, early repayment, or so much ......

……

Although this is a bit of a black intention, to be honest, Mallinken's sale of boats to fishermen or landless farmers without a down payment loan has already given them a chance to turn around. Such an opportunity is also difficult to find in future generations. Because, it's all about venture capital. In later China, ordinary people who wanted to start a business either borrowed money from relatives or could only borrow from usury.

And through unsecured installments, Marin has also supported many new fishermen in England. And these fishermen, when Marin enters England in the future, will become a source of recruitment for the Royal Navy.

Marlin even made a pact with English fishermen or landless farmers who had taken out loans to buy boats that Marin would not collect the debt if their boat sank, or if the fishing did not recover its costs and could not be repaid. However, the family, who did not pay the bill, had to produce a strong man to serve for Marin's warship for 20 years. During the service, the salary is halved until the arrears are paid......

So, Marin didn't care if they could afford the loan. If he can't afford to make a lot of money, he can also get a sailor who sells his life to him...... Generally speaking, most fishing boats are able to protect their capital or even make a profit. Therefore, Marlin will not lose money. Moreover, sailors who are forced to join the Royal Navy after owing money are not qualified to pick and choose. At that time, some sea areas with relatively harsh climates will be the places where they will serve......