Lu Lizhan shook his head slightly and said: "Commander, please relax, the Xiangshui Dam Reservoir has almost been built, and in about three or four months, the entire reservoir will be completed." As for the follow-up construction funds, we have set aside the Yunnan Bank before setting up it, and the amount is about 500,000 yuan, which I estimate should be able to meet the needs. ”

"If there are still additional construction funds beyond the budget, our Yunnan Bank can only lend another 100,000 yuan, and for the sake of fund safety, the excess part can only be raised by the government itself. This is also for the safety of bank funds, and this restriction cannot be broken. So, we can only forgive the bank for not being able to do anything. ”

When Lu Lizhan said this, he was not surprised by Li Yi. In doing so, he is truly responsible for the Bank of Yunnan, which is the principled, responsible, and responsible financial steward he really needs.

At this time, Lin Yi walked in with a stack of books, and when he saw that Lu Lizhan was also present, he couldn't help but say happily: "Hehe, you came just in time, I have something to ask you for!" ”

Lu Lizhan smiled slightly, and hurriedly stood up and said, "I don't know what Master Lin commands?" ”

Lin Yi put those books on the table, and then turned around and asked, "Don't dare to do anything you order." I heard that the Yunnan Bank was about to be established, but I wondered if I could provide some loans to farmers who were willing to grow cotton and wheat. ”

"People are still hesitant to wait and see new things like wheat and cotton, and many people are afraid to try them because they lack funds in their hands. I see that the 900 acres of wheat in our official fields have been harvested quite abundantly, and if it is promoted, won't the common people also have considerable profits? ”

When Lu Lizhan heard this, he shook his head slightly and said: "Lending money to ordinary farmers is really a thing that outweighs the losses. You must know that our Yunnan originally has few fields, and every household is only twenty or thirty acres in size, and it is difficult to say that the grain harvest is very good, and they do not have any decent guarantees. ”

"Our bank is already overstretched, and these are all trivial and tedious tasks, which are difficult to bear. Therefore, we are now temporarily only providing loans to merchants and handicraft workshops, I am afraid that we are already too busy, how can we have the energy to manage the farmers one by one? ”

Lin Yi nodded silently, and after a little thought, he continued: "Although this kind of loan is trivial and cumbersome, after all, farmers are the largest group in our Yunnan, and if they are excluded, I always feel unreasonable." You know, they are also in urgent need of financial support! ”

"I see if we can set aside a special department in the bank, increase the number of people who are familiar with agricultural production and have a certain ability to manage accounts, and be solely responsible for borrowing money from peasant households, and the amount of loans does not need to be high, as long as it can meet their basic grain production, like those farmland and water conservancy construction, which are generally funded by the government, and the money they borrow is mainly used for seeds and farm tools, and the peasant households themselves do not spend much money."

"Of course, due to the long agricultural production time and slow capital turnover, the loan repayment time should also be more relaxed."

Lu Lizhan nodded with a wry smile and said, "Master Lin, this is a problem for me!" You must know that there are nearly 30,000 peasant households in the whole of Yunnan, and even if 12 out of 10 peasant households come to me for loans, I will not be able to do it even if I am killed! ”

"In my opinion, if this is not the case, if we really want to promote this kind of grain production, we must set certain restrictions at the beginning, for example, peasant households with a wheat or cotton planting area of more than 50 mu can use these fields as a guarantee and apply for a certain amount of loans, but they must repay the principal and interest within three months after the harvest in the second year."

"If he is unable to repay within one year, he shall take possession of his land of equal value according to the amount of principal and interest. The loan period can only be calculated according to the harvest season, and the time cannot be set too long, otherwise, our capital turnover will not be able to cope with it. ”

When Li Yi heard this, he couldn't help but be amazed. Lu Lizhan was just a businessman from a thousand years ago, and although his wisdom was far superior to that of ordinary people, he had no contact with any banking laws and anything like that of later generations, let alone any novel basic loans for farmland.

The farmland lending rules he proposed were somewhat similar to the Qingmiao Law implemented by Wang Anshi more than 100 years later, but they were closer to the spirit of later generations and more strict and meticulous. It can only be said that his ability to understand the world and the people's situation is too strong.

Although Lin Yi wanted to do this matter overnight, he also knew that it was not easy to operate, so after weighing the pros and cons, he basically agreed with Lu Lizhan's point of view.

At present, the three of them discussed the opening time of the Bank of Yunnan, but because it was necessary to establish a lending department for rural households, and it would take a lot of time to recruit and train personnel, the opening of the Bank of Yunnan was postponed to 16 June, which was more than 10 days later.

After sending Lu Lizhan away, Li Yi called Lin Yi to the official study and mentioned the alliance with Tonghai and the preparation of the alliance between Tonghai and various tribes in Ningzhou.

Li Yi said straight to the point: "At present, the Great Yi Ning Kingdom is already in turmoil, and after we form an alliance with Tonghai and various tribes, it will not be far from the day of its demise. Although the Great Righteous Ning Kingdom is destined to be unable to escape the end of destruction, it will still be trapped and unwilling to go to the final destruction. Therefore, we must not take the major events of the alliance in Ningzhou lightly. ”

"This time the alliance, Tonghai Duan Siping and the chiefs of all tribes will come to participate, not only to choose a secret and safe place, but also to strictly guard against the harassment of the assassins of the Great Yi Ning Kingdom, even if one of our allies is harmed, we will be to blame!"

Lin Yi nodded solemnly, and said worriedly: "Duan Siping from the Tonghai side, plus the chiefs of the thirty-seven tribes, plus their huge entourage, this formation is not small. It is really difficult to do a good job of secrecy without letting Dayi Ningguo notice it. ”

"You must know that Dayi Ningguo has eyeliner everywhere, and our Yunnan is no exception. Our every move is actually under its nose, how can it be possible not to let a little wind leak out. ”

Li Yi said solemnly: "The arrangement of this matter is a bit hasty, and we don't expect to be able to keep it completely secret, but the safety of the location of the alliance and all personnel must be completely guaranteed." ”

"Although Ningzhou is very small, there are always places with such conditions, and it depends on how we choose. If you really can't do it, you can discuss it with other people and brainstorm ideas, maybe you will come up with a good idea. ”

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