Chapter 342: The establishment of the fund begins

The road was still being repaired, and after Li Linfu had been in a hurry for a long time, he finally came to the outside of the yamen in Baoxin County, and he saw the newly built houses of the relocated people.

I also asked the other people here, and said that when the road is repaired, after the autumn harvest this year, all the houses in the whole county will be rebuilt, and they will be built in the same way and look neat.

When Li Linfu arrived at the gate of the yamen, he deliberately looked at this notice with income and expenditure, and the more he looked at it, the more frightened he became.

But why do you have to let the people understand it so thoroughly, it's like a body that can't be seen by others, only wearing a light veil, it's too transparent, if the county officials tell the people about their plans in the future, then there is really no secret at all.

Li Linfu stood here and watched, and no one else paid much attention to him, there were many officials who came here to visit and study, who would care about him.

After thinking about it, Li Linfu did not enter the yamen directly, but walked towards the place where there was a model, there are two important people there should be seen, Bi Gou and Yao Chong, by the way, he also took this opportunity to learn more, there is also such a model in the palace, in case the emperor is happy one day, if he asks someone, he can answer.

When entering a tourist place, ordinary people do not need to spend ticket money at this time, but the officials are different, and each official needs to come up with a visit fee of 20 to 100 wen according to different grades.

In fact, this money is not collected in vain, the people do not spend money, and what they see is lively and fresh, but when it is the turn of officials, there are people here to talk about things involving officials, such as the population of a certain place, the degree of governance, and so on.

The data was very accurate, and the official who spent 100 cents explained the importance of his position, and there were other things for them to see, such as the future development prospects of various places, and the response to disasters.

To be able to learn such a thing, 100 yuan is really not expensive, Li Linfu also handed over 100 yuan, let people lead it in for a tour, all the way to watch, all the way carefully listen to others to explain, and try to write it down, just afraid that he will forget it when the time comes, just when his head is about to be big, the tour guide suddenly said to him:

"Lord Li, in fact, what I just talked about has been printed into a booklet, if you need it, you can spend ten yuan to buy it, a total of six sets, divided into six parts, each set of ten wen, when the time comes, Lord Li, you can easily take a look when you go back."

As soon as Li Linfu heard that it was a matter of six parts, he understood that it should belong to the six departments, as for why there were no three provinces, it was because his level was not enough, and there was no need to understand.

glared at the tour guide dissatisfied, complaining in his heart that the other party didn't say it earlier, and his eyes hurt me, and said, "Give me a copy of the same, is it thick?" ”

"What's thick?" The tour guide asked puzzled.

"The paper is not thick."

"It's not thick, it's all tissue paper, and it's too heavy if it's thick."

"Am I asking too much or not too much." Li Linfu felt that this tour guide lacked heart.

"Oh, that's what Master Li asked, it's okay, the capital is a lot, and I can't make much money." The tour guide understood now and replied.

Listening to the tour guide's words, Li Linfu understood that it is estimated that on this information, the Zhang and Wang families made a lot of money, and they bought six copies for sixty yuan, how much could it cost? At most, twenty wen, or less, and the rest of the money is profit.

Yes, that's right, with Zhang Xiaobao's calculations, he will definitely not let go of such an opportunity to make money easily.

Li Linfu listened and walked, and when he relaxed, he really felt that this model was doing well, and when he walked to the front, he saw a lot of people surrounding there, and some people made friendly noises from time to time.

Puzzled, he turned to the tour guide and asked, "What's going on over there?" ”

"It's okay, you can follow me, there Master Bi is talking about books, it's all fake, don't go over." The tour guide motioned for Li Linfu to follow him.

Li Linfu came to see the two key people, counting on them to help say good things, how could he miss it, and he didn't care about the tour guide, and walked there.

At this time, Old Man Bi talked about the highlights, Old Man Zhang also changed six weapons, tired and sweaty, and someone next to him bought a good tea for him to drink.

"I want to know what happens next, and listen to the next breakdown." Old man Bi was also thirsty, so he hurriedly finished it, picked up the tea bowl and poured a few sips, at this time he was not as elegant as he usually drank tea.

"This is Master Bi, the subordinate Li Linfu, I heard that the Lord is here, so I came to see you." Li Linfu first asked Old Man Bi, and the people had already begun to salute, followed by Old Man Yao and Old Man Zhang, although Old Man Zhang had no identity.

As soon as Old Man Bi heard Li Linfu's self-introduction, he knew who it was: "Oh~! It turned out that he was the master of Xincai County, okay, he was a straight person at first glance. ”

The words are very good, but it is not clear what Old Man Bi thinks in his heart.

Li Linfu didn't expect the other party to tell the truth, as long as he could achieve his goal, he followed the words: "Lord Bi praised, the lower official has no great ability, and he thinks that as long as he can make the local people's lives better, he will be content.

However, the lower officials heard that Feng County's order had a little misunderstanding with Zhang Zhushu and Wang Xiancheng in this county, so he had to come to reconcile in person, after all, the two counties are adjacent to each other, and it is always good to work hard in one place. ”

After speaking, Li Linfu looked at Old Man Yao again.

Seeing him look over, Old Man Yao also followed his words and said: "You can think like this, that's really great, in the future, you have to contribute more to the affairs of the two counties, just now you said that you misunderstood?" What misunderstanding? It shouldn't be, otherwise how could Xiaobao and Juan Juan pull the king of Tong'an to build a workshop over there, it's a lot of heart, since it's here, let's take a good look. ”

As soon as Old Man Yao heard Li Linfu's words, he knew what he meant, it was nothing more than preparing to let the three of them help adjust, so what was decided, Zhang Xiaobao and Wang Juan decided, if others changed it easily, it would not be the two of them.

Seeing that the other party didn't admit it, Li Linfu had no choice but to tell the three old men what Feng Changgong said to himself without omission, and when he finished speaking, he looked embarrassed and said:

"Lord Bi, Lord Yao, Feng County Ling already knows that he is wrong, as the saying goes, knowing mistakes can be changed, and being good is great, why not give him a chance, Zhang Xiaobao and Wang Juan are still young after all, and many things like to be done at once, the two adults might as well help persuade one or two, and Uncle Zhang should also be more hearty, and the lower officials are here to thank the three of them for the people of Xincai County."

"Gee, there's such a thing? It is estimated that it is difficult, where have Xiaobao and Juan Juan suffered such a loss, let me think about it, in this way, you go to Xiaobao and Juan Juan first to talk, and I will help me say a few words when I go back, just say two sentences, I don't know whether I succeed or not. ”

Old man Zhang looked surprised, as if he didn't know before, and promised to come down, but he didn't say anything to death.

Li Linfu, who knew that he couldn't do it accurately, had no other way, so he confessed, left here, and went to the yamen to find Zhang Xiaobao and Wang Juan.

Waiting for him to leave, the three of them found a clean place to sit down, let people change the really good tea, and while eating melon seeds and tea, they talked about Li Linfu who came over today.

"In my opinion, this person is a hundred times stronger than Feng Changgong, he responds decently, acts steadily, and is also a rare talent, but unfortunately he is still too young, I really think that I have a little ability and wants to do everything well.

How could Xiaobao and Juan help him? He has already agreed to Zhang Shuo, and has set He Yiwei's next official position, he Li Linfu thinks that he can make two people change their minds with a few words of his own? Young, really young. ”

Old man Bi poured a bowl of tea for Old Man Yao, he didn't care about Old Man Zhang's side, Old Man Zhang drank this tea in a waste, just a little broken foam *** tea, and commented on Li Linfu twice.

Old man Yao also felt that this matter could not be done, and then said: "The most important thing is that Xiaobao and Juan Juan clean up Feng Changgong because they want to establish their authority, after all, they are young and easy to be despised, if Feng Changgong is not cleaned up this time, there will be officials who dare to do with them in the future."

In the past, Zhang Wang's two families were powerful, and that was the business of the two families, but now Xiaobao and Juan Juan have come out to be officials, of course, they must have their own prestige, Feng Changgong is the chicken that was killed to show the monkey, but unfortunately he didn't know it himself, and hit the knife edge.

As for Li Linfu, I think this person is a traitorous and loyal person, and he uses it well, but it is very convenient, and if he uses it badly, it will cause endless harm, hey~! ”

Li Linfu, who didn't know that he had been told that he was a traitor and a loyal person, came to the yamen at this time, said to the official guarding the door, and sent a famous thorn, so he went inside and waited.

There is a special room for visitors, there is tea, there are pastries, mainly for the people, the people have something to do not just go to the drum, that is the tool to take the case.

Li Linfu began to think that this was a signing room, but later met two people who came over sitting there and chatting in a low voice, only to know that it was not like that at all, a very interesting room, it turned out to be for the people to rest.

Listening to the two people talking there, Li Linfu knew what the two people were doing here, both of them were people from Shangniu Village, or neighbors, and they found that a small river in Shangniu Village was blocked by silt, and there was a piece of sand next to it.

The two of them wanted to desilt and get the silt on the sand, so that there would be more good land, but there was one thing that needed to be solved, the sandy land was high, and the people in their own village could do it, but it was hard to use water, and they wanted to get the yamen to pay some money, which was considered to be borrowed, and build a waterwheel over there, and the production in the field would be slowly repaid.

Listening to the two of them discussing things there, Li Linfu felt even more surprised, the people here were a little too bold, and they actually came to manage the yamen to borrow money to build a waterwheel, and at the same time praised the people here for having ideas, and the people elsewhere could only watch the land and the river.

After waiting for a while, Li Linfu didn't wait for Zhang Xiaobao and Wang Juan, what he was waiting for was He Yiwei, He Yiwei was busy with all the things he was going to do today, and he heard that people from Shangniu Village came to borrow money, so he came here to take a look.

At the same time, he helped Zhang Xiaobao and Wang Juan to bring a message to Li Linfu.

As soon as I entered the door, I saw a person wearing an official uniform, so I asked: "But Lord Li, this official praises He Yiwei of the county, Zhang Zhushu and Wang Xiancheng asked me to bring a sentence, saying that I invite Lord Li to go to the Fengwu Pavilion to rest first, and the two of them will be busy when they have important matters, and when they are busy, they will go over there and invite Lord Li to have dinner together."

The two of them stayed, this is the famous thorn sent back by the two of them, saying that when Master Li arrives at the restaurant, he can eat good things, and it is estimated that they will be free at night. ”

Li Linfu originally thought that the other party was just a rhetoric, but when he saw the famous thorns of the two people, he knew that it was not like that, and he received it in his hand and said: "It should be, it should be, the affairs of the county are important." ”

said that it was important, he didn't leave, he wanted to see if the two people of Shangniu Village could borrow money here, and he was curious when he encountered it for the first time.

"Niu Da, Niu Zhuang, you two want to borrow money?" He Yiwei doesn't rush people, he is open to administration, everything can be said to people, whoever wants to listen to it can listen, and it is not a secret thing that cannot be known to others, he asked the two people who had already stood up.

"Your Excellency knows us?" Niu Da said happily.

"I know, you also came to deliver coal a few days ago, I asked you, how can I forget, I heard that your father is sick, I don't know if it's better, I'm just too busy, otherwise I really want to take the time to take a look."

He Yiwei said kindly, he has no other skills, he remembers people very well, as long as he has seen it once, he will know it next time he meets it, and asked about the condition of Niu Da's father with concern.

Niu Da didn't know where to put his two hands excitedly, grabbed his trouser leg in his own place, nodded violently and said, "Okay, as before, thanks to the doctor sent by the county, my lord, you are a good official." ”

"What's good, it's just a duty, if you really want to talk about a good official, you have to look at Master Zhang and Wang Xiancheng, that is a good official who is really capable." He Yiwei was happy by a good official, modestly felt, motioned for the other party to sit back, sat down himself, and asked about borrowing money.

"What kind of waterwheel do you want to build, and can you build it there? How much does it cost, and how long can I pay it back? I can't lend it to you when you say it will borrow. ”

"Can you really borrow it? As long as you answer what you ask, borrow it? How much profit? Niu Zhuang next to him thought that he couldn't borrow it this time, he thought of this method for the first time, and came here with the idea of trying.

Li Linfu also looked at He Yiwei, wanting to know from him if he could borrow money, if he borrowed it, but it would be a violation of the law, the government is the government, how can he lend money to the people casually?

He Yiwei still had that calm expression, and said to the two people: "You can borrow it, but you can't borrow it from the yamen, the money of the yamen belongs to all the people in the county, but it is not a certain people's, what if you take it out and lend it to you, what should you do?" Even if the land is mortgaged, it will not be successful, and the land will be sold at that time, and there will be an additional process, which is not administrative, but an economic behavior, do you understand? ”

The two of them didn't understand anything about administration and economics, but they understood that the yamen would not pay, so they lowered their heads and didn't make a sound.

When He Yiwei saw the two of them like this, he continued: "Yamen doesn't pay money, but there are other people who are willing to pay, Yamen is willing to contact you with a three-year interest-free loan, you know, Shuzhou has it, as well as Sanshui County and Huayuan County, this money is from the tourism model, called Baoxin County Employment Assistance Fund."

If you can't pay it back after three years, then your newly opened land and watermills will be taken back and used by the fund. ”

"Isn't this golden-minded thing? They took out the money for nothing. Niu Da thought about it and thought of the key place, if it wasn't for the fact that he was in Baoxin County, he really thought that the county magistrate was idle and had nothing to do to trick himself into playing.

Li Linfu also thinks so, who is so stupid, he doesn't have to give it to others if he has money, he is full, he up his ears and listens carefully, wanting to see how He Yiwei explains.

He Yiwei smiled and said, "How can you lack a heart? They took out this money, so what are they going to do in the future, such as good business in the county, then the county should give priority to them, and there was originally another point that was to use profits to offset taxes, but Ben Xiaobao and Juan Juan vetoed it, saying that it was easy to be impeached.

Therefore, there is a change point, that is, the yamen gives them a guarantee to open a bank, and does not collect their taxes in the first five years, and uses this part of the profits in exchange for interest-free loans.

So you have to make things clear, they need to do a risk assessment, and if they think it's okay, they will lend you money, or even send a special person to guide you on how to do it. ”

Niu Da and Niu Zhuang heard it clearly this time, and said that what gold is lost here will be compensated on the other side.

It doesn't matter how the government compensates for it, at least they can borrow money, so Niu Da began to talk about their specific plans, and introduced the situation over there to He Yiwei in detail.

Before he could finish speaking, He Yiwei interrupted him, "That's not the case, there is a format of writing, Xiaobao and Juan Juan are busy with this matter, in fact, even if you don't come today, you can see this news on the bulletin board at the entrance of the yamen tomorrow."

They said that this method had been used in other places before, and that method was okay in case of emergency, but it was not regular, and it needed to be brought up specifically, so you either wait here, or go home first and come back tomorrow, fill it out according to the format, and they will send someone to look at it in the past, and it will be very soon. ”

"Wait?" Niu Da asked Niu Zhuang.

"Well, wait, my lord, we'll wait here." Niu Zhuang felt that if he didn't say the matter, his heart would not collapse, so he chose to wait, but there was food and drink here, which was part of the entertainment expenses of the yamen, and he didn't have to go back to eat in a hurry.

Li Linfu on the side was also thinking about this matter, he was not like Niu Da and Niu Zhuang, no matter what far-reaching things, he needed to think about a lot, will the establishment of this fund be in all places in the future?

A fund also carries a bank, so in the future, there will be their money bank in many places, what are they going to do? Qianzhuang, as the name suggests, is a place to put money and borrow money inside, such as flying money, which is used in this way, but it is not commonly used.

Now ordinary people want to borrow money, not to go to a place dedicated to exchanging money, but to a pawnshop, it seems that this money bank will be able to provide ordinary people with a way to borrow money in the future.

Things are not so simple, there must be deep meaning, Zhang Xiaobao and Wang Juan brought it up, it is still a big deal if it is not done, and they have to tell the people above quickly, so as not to miss a good opportunity.

Li Linfu thought so, now he just vaguely felt that things were not simple, but he couldn't talk about the specifics, and when he saw that other people's things had been discussed, he got up and left, and also asked Zhang Xiaobao and Wang Juan about when they would be able to do a good job in that fund, and he also came over to take a look, and no longer waited for the pavilion.

Zhang Xiaobao and Wang Juan are perfecting the loan in their own room in the back, because this industry is also new, and what should be considered must be taken into account, especially the money bank, once it is opened in Datang, it is not just as simple as helping people change change or whole money.

It is not only necessary to exchange money for gold and silver, but also to have the function of borrowing and saving.

Of course, the current money bank is easy to open, and others put a lot of money here to keep it, not only do they not have to give interest to others, but others also have to take out a part of it as a storage fee, if this can lose money, then the person who opened the bank is really an idiot.

Wang Juan thought to himself, and the same was true for Zhang Xiaobao over there, the two of them thought about their own things, and when the time came, the advantages and disadvantages were synthesized, and after Wang Juan wrote a few articles, he asked: "Really don't give interest to those who save money?" ”

"Don't give it first, wait for a few more places, the advantage of not giving is that it can make us less risky, but we can reduce the interest rate in the early stage according to other places like this, very little.

The disadvantage is that the speed of accumulation of circulating funds is slow, if you give others interest, instead of letting others pay, there will be many people who are willing to save this money in the bank, the more money you save, the more you adapt, then we can use more funds. ”

Zhang Xiaobao stopped his pen and replied.

"I know that as long as there is no run, then there is a large amount of money is ours, we can always use it with confidence, the larger the base, the more stable we are, I am afraid that someone will deliberately make it bad, save a large amount of money first, and then withdraw a large amount of money in other places, so that in another place where we have insufficient funds in the early stage, there will be a cut-off.

But if you are not allowed to withdraw a large amount of money, it is not okay, because many people are like this, they are ready to make a big deal in the past, and they are afraid of the danger of cash, so they are spending a small amount of money to save it in the bank, as long as it is cheaper than hiring a bodyguard, it will be profitable. ”

Wang Juan frowned slightly, who let there be no electronic business here, if there is, it would be good.

Zhang Xiaobao thought for a while and said: "In fact, the most important thing is that we don't have currency, we can't print money, and others won't admit it when it is printed. ”