Therefore, it is always very risky to borrow money from a loan shark such as Guili Bank. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 infoTheir clients are speculators, gamblers, desperate businessmen, etc. Gao Yang has also heard that someone asked these people to borrow money, but they didn't pay it back, and they were finally forced to go outside Taoqiu City, and finally thrown into Jishui!

Of course, Gao Yang, a small speculator who thinks he is blessed by God, has never been afraid of such high interest rates. First of all, he didn't take out an unsecured loan, and he couldn't afford to lose his life. Even if these people are really guys who eat people and don't spit out bones, Gao Yang, who dares to kill the Qin army in person, will not be afraid of them!

Second, he trusts his own vision and his judgment of food prices. As long as more funds can enter the market quickly, he will be able to make a profit quickly!

Zou Ning looked at Gao Yang with an expectant face, took out an agreement and said to him: "For this agreement, let me explain it to you."

First, if you borrow 5,000 gold, we will only give you 4,000 gold, and the difference of 1,000 gold is interest;

Second, the loan term is 30 days, starting today, within 30 days, you need to repay a total of 5,000 gold to get back the deed; From 31 days to 45 days into the recovery period, you need to pay 6500 gold to get the deed back;

Third, if you are still unable to repay the loan in full within 45 days, you should pay the amount of deposit equivalent to 60% of the principal and interest to the principal bank within 15 days, and this number will give you an extension of 15 days of repayment period, but the principal and interest will continue to accumulate with 6500 gold, and so on;

Fourth, if you can't repay the loan within 45 days, and you can't pay the deposit, or you can't pay the full deposit during the extension, the property will become the property of the bank! ”

Gao Yang listened to these terms, even though he was usually bold, cold sweat couldn't help but break out on his forehead. Such a clause is too dark! Don't say that the interest rate is terrible high, it is the way to roll the interest, don't redeem the title deed after 30 days, you can buy a better property with the principal interest alone!

If Dai Yan knew that someone in the place he ruled could play usury so well, he would probably be surprised, and then said: Damn, there is such a dark way to make money?

Gao Yang looked at this terrible agreement, and finally gritted his teeth and signed it. So he was immediately taken to the loan office, and half an hour later, he had 4 more bills of exchange for 1,000 gold from Taoqiu Qianzhuang!

Subsequently, he did not go home either, so he rushed to Dongcheng District overnight, sat at the door of the exchange, and waited for the exchange to open.

This exchange was the residence of a former ranger leader, and after it was expropriated by the Yi government, Dai Yan demolished it and built a building similar to the great warehouse of the later generations, which served as the hall of the entire exchange. At the entrance of the exchange, there is a big blackboard hanging, on which there are 30 "grain lines" lined up, which means the futures grain price trend with the largest trading volume in the exchange in the past 30 days.

This kind of "grain line" is actually the so-called K-line in later generations, and Dai Yan was really dizzy when he watched the price of this grain fluctuate up and down, so he used the K-line of later generations unceremoniously! But Dai Yan did not expect that this kind of thing, which can clearly mark the price and grain price trend, will immediately become a magical recording tool, and its every move has affected the hearts of countless people, so people call this magical line "grain line".

People want to be able to understand this food line thoroughly, and at the same time, they are almost hungry for information. In this context, the newspaper launched by Dai Yan has been greatly developed!

After breaking through the mass production of paper, Dai Yan set his sights on the mass production of knowledge. Of course, he knew about the famous movable type printing technology in later generations, but he just roughly explained the principle to the Mo family, and this technology was easily overcome.

For printing, a simple but influential technology, Dai Yan has no intention of hiding it. After the success, he immediately issued a patent law, declaring that as long as someone invents a new technology and applies for a patent in Taoqiu, he can enjoy patent protection for a certain period of time, and when someone else uses this patented technology, a certain amount of patent fees must be paid!

The introduction of the patent law has revolutionized the way the technology of the entire Taoqiu craftsmen are inherited!

You must know that the Chinese nation, as a pragmatic nation, actually attaches great importance to manual technology. It is often said that thousands of acres of fertile land are in hand, and it is better to have a skill!

Therefore, the ancients actually attached great importance to manual skills, and craftsmen only passed on their skills to their children and grandchildren and apprentices, and never passed them on to outsiders, nor did they communicate with outsiders! This closed way of inheritance is actually the protection of the ancients for their own technology, and they don't want others to steal their own technology!

In fact, this kind of closed inheritance does not only occur among craftsmen, but also in the inheritance of martial arts and even the art of war! Later, the handicrafts and art of war of Chinese civilization were not developed for a long time, in fact, it has a great relationship with this way of inheritance.

Of course, Dai Yan could not tolerate this closed way of inheritance affecting the development of technology, so he directly issued a decree to protect other people's technology in the way of protecting private property. In this way, he hopes that craftsmen can communicate with each other with their skills and compete with each other, so as to promote the development of their own skills.

In order to convince others, he first started with himself! No one will be unclear about the value of printing, a technology for mass production of books! And Dai Yan directly stated that if you want to use printing, you only need to pay the patent fee, and a disciple of the Mo family will come and teach you hand-in-hand and help you make movable type!

This open-minded attitude immediately stirred the hearts of countless people! The wealthy big trading houses, merchants, and even the magnates of various schools who came from the palace of Qi Guoji paid for this patent, and began to print books in Taoqiu and produce knowledge in batches.

As a result, the demand for the entire pottery mound paper surged, and all kinds of books were printed indefinitely, and then resold all over the world, thus forming a strong publishing industry. One of the biggest changes brought about by the advent of printing was the emergence of a new newspaper industry in Taoqiu.

To give everyone this inspiration, it is still Dai Yan from later generations. After he opened the bank, he published the first official newspaper in the whole of Taoqiu: Taoqiu Daily. In addition to publishing various laws and policies of the Yi government, Taoqiu and the world's major events, the most important of which is that it publishes detailed information about the futures price of the exchange every day!

You can not care about Taoqiu's laws and policies, and you can also talk about the major affairs of the world. However, if you buy futures on an exchange, can you not take a closer look at it? Therefore, the newspaper Taoqiu Daily was quickly distributed to the entire Taoqiu, and even the nobles and feudal lords of various countries near Taoqiu would send people to buy it every day!

And after being reminded, coupled with the huge demand for explosive information from the grain exchange, the newspaper industry in Taoqiu has developed rapidly at once! Xicheng District under the rule of the giant Tian Jiu has become the base camp of various publishing houses and major newspapers and periodicals! If someone in Taoqiu counted the GDP in this era, it is estimated that they would be surprised to find that the GDP of Taoqiu Xicheng District has doubled in half a year due to the rapid development of the printing industry!

And in order to be able to study the grain line clearly, the sorcerers, gods, priests and other theologians who were originally deliberately suppressed by Dai Yan were actually valued here!

Some people look at the stars at night, which means that they can find the changes in this grain line from the five elements of heaven and earth, the laws of the sun and the moon. Some people picked up the things of their ancestors and began to burn the tortoise shell, hoping to discover the law of grain line fluctuations from the lines produced by the tortoisshell burning. Some people said that there is no need to be so troublesome at all, and my brother only needs a few sticks of grass and a few coins to be able to clearly calculate the direction of the grain line!

These theologians with status and status set up shops in the vicinity, and those with low status similar to the charlatans of later generations set up stalls, and even many of them became guests of various newspapers and periodicals, and seriously analyzed the trend of futures prices for each newspaper! And the newspapers that were carrying theologians' predictions generally sold very well!

Of course, these theologians have heard about Dai Yan's gambling with wizards in Fengyi, and they don't dare to do things to confuse the public in Taoqiu, Dai Yan saw that the other party just wanted to make ends meet, so he didn't go out of his way to attack the other party, even those guys who set up stalls on the ground, as long as they pay attention to hygiene, don't affect the city's appearance, Dai Yan didn't let the city management go to drive them away.

Throughout the exchange, a large number of merchants have gathered, and a well-developed service industry has emerged.

In addition to the numerous theologians and branches of the press, there are also many financial and information brokers in the vicinity of the exchange. Therefore, next to the exchange is surrounded by all kinds of large and small commercial houses, money banks, media, etc. A little farther away from the exchange, there are various teahouses, restaurants, inns and other places for people to eat or rest, such as the fragrance house opposite the door of the exchange.

Although it was still early in the morning, many people had already gathered at the door of the exchange. Seeing this, Gao Yang went to a small shop near the exchange and bought two steamed buns, a special food that was said to have come from Fengyi, another territory of Taoqiujun. He grabbed the bun and walked to the door of the exchange, eating it while staring at the huge pendulum clock on the top of the exchange!

Gao Yang didn't understand this kind of pendulum clock very well, but he heard others talk about this kind of pendulum clock to keep time, and the error generated every day could not exceed ten seconds, that is, ten moments that he understood! Although it is not clear whether other people's words are correct, Gao Yang, as a businessman who often gets up early and comes to the exchange to speculate on trade, has found that this pendulum clock is indeed much more accurate than the water leak used by others!

And this pendulum clock is naturally also a masterpiece of Dai Yan's concept and Mohist design and manufacturing. The pendulum clock uses the periodic oscillation of the pendulum to measure time, and its period is actually very stable, and through this stable period, the time can be accurately measured.

After the British scientist Huggens invented the pendulum clock in the 17th century, the British quickly improved the accuracy of the pendulum clock to the point where the error did not exceed two seconds per day! The pendulum clock made by the Mo family now has an error of ten seconds per day, Dai Yan is not satisfied with this, and he also hopes to use this kind of clock as a standard clock! It's better to make a standard clock similar to the British, and use it as a time reference for the whole world!

Just in the eyes of Gao Yang and everyone's expectation, when the pendulum clock came to the hour, a crisp dingdong sound came! Then, everyone ran frantically towards the exchange, and everyone knew: the exchange is open!