There is a reason why Yuan Yao is so concerned about the grain bank, it stands to reason that he should have a lot of things to do first, and there is no need to suddenly make a big move to get any bank.

At first, he wanted to build the academy and the knight academy first to activate the hidden attributes in front of life, but seeing that the academy needed 1,000 clones and it would take two months to complete, he gave up for the time being, because the clones in Lujiang could not be drawn out for the time being, and he didn't have so many people to use them.

The Knight Academy, on the other hand, requires 2,000 clones, which can be completed in three months, and the personnel needs are even greater. Because the academy is made of wood, the knight academy is a stone castle, which is more difficult.

Later, he wanted to start with agriculture, because this is an era of agriculture, food represents everything, even if Yuan Yao has a system to develop technology, it can't change this law.

If agriculture is not good, industry and commerce will be wasted.

However, when he knew the resources owned by the Jiangdong family, he began to be cautious, because he realized that agriculture was the "G" point of the family, and as long as he touched it, the other party would definitely react greatly.

But he can't help but touch it, because agriculture is also his foundation, not only about the strength of his power, but also about the length of his life, so anyone who tries to stop him is hurting his life, he can only God block and kill God, and Buddha can only block and kill Buddha.

Regardless of the method used in the end and the relationship with the family, there are three key factors that need to be taken care of in order to develop agriculture: land, population, and food.

Land can be cultivated, and it should be the most indispensable resource, because Jiangdong is vast and sparsely populated, and it is still in a state of primary development.

The population is the most troublesome, they are all tenants of the family, and if you want to embezzle, you have to use your brains or muscles.

According to the information Yuan Yao has, the per capita cultivated land in Danyang County is less than five acres, and he didn't have any feelings about this data before, but when he knew that the Central Plains region was ten acres per capita; In some places, when it is even higher than this standard, this has to surprise him.

What about the land that is said to be vast and sparsely populated?

It stands to reason that the vast land and sparse population should be a good thing for the common people, and a lot of wasteland can be cultivated, and many landed yeoman farmers can be born.

But the fact is the opposite, because of the lack of people, the Jiangdong family tightly holds human resources in their hands, and their desire is more than land.

No matter how much land no one cultivates, it is waste, and it has to be handed over to the field.

Therefore, using the least amount of land and controlling the largest number of people has become the "basic national policy" of the Jiangdong family.

As a result, in the case of having a large amount of wasteland, there are fewer yeoman farmers in Jiangdong than in other regions, which has to prove that many truths in the world are taken for granted, but the reality is even more ruthless.

The Han Dynasty had a population of more than 70 million people at its peak, with an area of more than 700 million mu of cultivated land and 10 mu of cultivated land per capita.

In other words, Jiangdong's living standard of five acres per capita is far behind that of other regions.

This discovery strengthened Yuan Yao's idea of changing Jiangdong's agriculture, but how to move it still needs to be carefully planned.

One thing is certain, however, that the tenants in the hands of the family need to be brought out anyway, otherwise there will be no one to use.

The family controls the tenants by lending, and if you want to liberate them, you must first repay their debts, and it is very necessary to make a low-interest or interest-free loan.

In addition, before the harvest is not harvested during the wasteland period, these manpower have to be supported by giving or borrowing, which is another large amount of upfront investment.

Therefore, it is money and grain, lending, and investment, and when these key factors are put together, it is easy for Yuan Yao to think of the function of the bank, otherwise where would he find such a large sum of money and grain to rob the tenants of the family, and if he wants to break an inherent production relationship, he needs to pay a lot of investment.

Moreover, using the family's grain to seduce the tenants of the family is in line with the strategy of returning the other's way to the other.

There is also a need to consider what system Yuan Yao adopted for the development of Jiangdong's agriculture, but according to historical experience, it can be basically divided into three systems:

1. Juntian system. That is, to directly distribute the land that has been cleared out to the peasants and let them become self-cultivated farmers, although it is trouble-free, it is the most undesirable.

Because the current farmers and uncles are Adou who can't be supported, they can't keep anything to them, and sooner or later they will be taken away by the family.

In addition, Yuan Yao is not optimistic about the equalization system, except for land annexation, the production efficiency of a small-scale peasant economy such as one household is too low, and for a place like Jiangdong, where there is a shortage of population, it is a waste of resources and labor.

Second, the tuntian system. That is, to learn Cao Cao. This is the system used by the three kingdoms of Wei, Shu and Wu in history.

However, the cultivation of tuntian is nothing more than the exploitation of tenants by the scholars, and there is no essential improvement in productivity.

For the peasants, what exploited them was nothing more than the change from the family to the princes, and the mode of work was still the efficiency of the small peasant economy.

It's just that for the princes, it will increase the income of grain, after all, it is to directly participate in the exploitation beyond the family, but the tenant rent will not be less.

3. Employment system. Learn from the farming groups of later generations, and directly pay salaries to hire farmers to form a bunch of farms. In this way, the labor force can be used more effectively, and the manpower can be organized to continue to open up the land during the slack time, so that the land can be cultivated while the land is cultivated, and then the scale of employment can be increased, and it will snowball bigger and bigger.

Although Yuan Yao had not yet decided to adopt that method to develop agriculture, he himself preferred the third type of employment, which was more in line with the situation of few people in Jiangdong.

However, this method has a large upfront investment, because compared to the family's exploitation of tenants' assets, this employment model is to exploit the labor of farmers, which will make them more tired than farming, so they may need to pay more wages to develop benignly.

Farmers are busy planting the land, except for the two stages of sowing and harvesting, and the crops are very idle during the growing period, and this time still accounts for the majority. But if they are hired, it is impossible to give them rest, and they will not be given weekends, and organizing land reclamation to increase the amount of arable land is the best choice.

When the commodity economy is in the future, they will consider giving them holidays to increase their purchasing power, which is impossible in the early stage.

Yuan Yaode, like the later landlord Zhou Papi, tried his best to squeeze the labor of the hired workers, but he would still make their efforts as proportional to the harvest as possible, because his original intention was to make the peasants earn more income and support more people, so he would raise their salaries as much as possible to increase their income.

How much food is needed like this, Yuan Yao has no idea in his heart.

Therefore, it is even more necessary for the financing platform of the grain bank to be prepared first, which is the fundamental reason why he is so concerned about this matter, and the initial purpose is just to endorse the development of Jiangdong agriculture in the future.

Of course, there are more things that banks can endorse......