Why is usury so rampant in rural areas? The biggest reason is that when peasants encounter economic difficulties, they have no channels for commercial loans, let alone borrowing from the state. Wang Anshi of the Song Dynasty made a mistake, and the Qingmiao Law was scolded as a pig's head by the scholars of the past dynasties, because he asked the government to lend money to the people to survive the spring famine, cutting off the financial routes of the big families. China's financial industry has not developed, although the people know that it is a dead end, but in order to save the urgent need, they can only drink to quench their thirst.

But the appearance of silence rewrote this history. At the right time, he introduced the concept of finance to the Ming Dynasty, sending a spring of living water to the rapidly developing industry and commerce, and the industry and commerce nourished by finance in turn became the soil for the thriving development of the financial industry. After more than ten years of development, Daming not only gave birth to supergiants such as Huilian and Riyilong, but also more than a dozen rising stars such as Juzhonghe, Dadetong and UBS. Most of these ticket numbers are established in the economically developed southeast region, but because of the late start and thin capital, it is difficult to snatch food from the two giants, and the development has been relatively difficult.

There is a saying that "there is no water in the well and there are no two people in the city", and these small and medium-sized ticket numbers have long started the idea of "the countryside surrounds the city, but the countryside has always been the forbidden body of those local tyrants and old wealth, and even the emperor can't control it, so how can they get their wish? So after a few years of fighting, there are only breakthroughs in some areas, and the vast majority of areas are still the same as the nephew playing lanterns.

However, Hai Rui's severe suppression of the squires in Yingtian Shifu made the small and medium-sized ticket numbers see an opportunity, and they cautiously sent envoys to Hai Rui and expressed their willingness to provide small low-interest loans to the farmers......... Of course, this is low, only relative to usury. Hai Ruiming knew that they were not well-intentioned, but the lesser of two evils was "finally authorized to set up branches in the township."

As long as the small people get the deed of sale, they can get a loan from the ticket number for a redemption, and then go to redeem their own land. At the same time, the small people have the will and ability to act" and this time the government also stood by their side for the first time, so that the rich businessmen had no choice but to return to the land to ensure safety.

A wave of land reclamation swept Susong, and even spread to the southeast. The tough attitude of the imperial court made the big families in other provinces also feel a deep sense of unease, and while stepping up their investigation of the news, they also began to deal with some fields that were easy to cause trouble. In this context, there are signs of stagnation in land annexation in the southeast, and more and more large households are turning their attention to the South Seas, which has long been familiar with overseas paradise.

The reason why it is familiar is that Nanyang Company's very tempting advertising bombardment in major newspapers, and the detailed introduction of many articles have made people who often read newspapers and periodicals understand the local customs, natural resources, geographical location, and development prospects...... There was a general impression.

At present, Nanyang Company provides two ways to participate, one is to buy land directly and go to Nanyang to pan for gold in person, which is very low, "can give birth to the myth of getting rich overnight, but it may also take your life: the other is to buy Nanyang Company's bonds, become their creditor, and share the dividends of developing Nanyang............ After several years of entrepreneurship, Nanyang Company's Luzon Development Bond has begun to pay dividends, and although the return is not high, it is better than stability.

For the average wealthy businessman, "the latter is a good choice, and since January this year" the purchase of Luzon bonds has doubled every month, not only injecting capital and vitality into Luzon's development, but more importantly, "laying a broad mass base for this new overseas development."

For large households, the dividends naturally cannot satisfy their appetite, and if they want to join, they must directly buy land to build plantations and send their families to take care of them. The amount of land sold by Nanyang Company "also tripled in three months, and although the volume is not much, the number of new accounts opened has skyrocketed by more than ten times...... There is a way that the boat is small and good to turn around, "out of prudence, the big households will only buy a dozen or dozens of acres first" to send people over to try to take care of it, if it is really a livelihood, you can naturally increase the investment: if there is no play, the loss can be afforded.

Shen Mo knows more about these situations than several people here, and he even knows which of them bought how much and which one didn't buy a single acre...... but his public relationship with Nanyang Company is just mutual cooperation and mutual benefit, so he still can't be ambiguous when he should pretend to be stupid.

Maybe he was at the border for too long, and he was facing the affairs of the military army all day long, and Shen Mo also hoped to change his mind, so he talked with several businessmen very speculatively, and before he knew it, it was noon. If you have friends from afar, you will naturally have to set up a banquet to entertain you. So Shen Mo invited them to move to the front hall to eat, and chatted while drinking, which was very pleasant.

Before I knew it, the guests remembered to say goodbye and silently sent them to the door. When he turned back, Xiao Liuzi dared to come up and report: "I have been here to join the army, and I can't wait to leave again." ”

"Didn't say anything?" Shen stood still in the courtyard, and it was a little hot on a sunny day, and he drank again, and then released his collar to blow the wind.

"He said, "The princess is here." Xiao Liuzi said softly.

In Silent Mind, the beautiful girl who was a little rough immediately appeared, and Bu Ran smiled: "What is she doing here?" ”

"Ask for an account!" The girl's voice sounded outside the Yuemen Cave, and the guards guarding the door hurriedly stopped: "Don't go in!" ”

"Is this the hospitality of the State of Etiquette?" Zhong Jin's pretty face was frosty. From morning to afternoon, I waited for three hours, and I only cared about tea and food, no matter how good her temper was, she would explode."

Shen Mo smiled bitterly and asked the guards to let her in. When Zhong Jin walked into the courtyard angrily, he smiled silently and looked at her, but saw that she was in a brocade dress with long sleeves, a collar, braided hair, and dark eyes. A pretty face turned red with anger, but it became more and more vibrant, making the whole courtyard bright.

Shen Mo had already understood this woman's rudeness, how dare she meet in front of the public, so he stretched out his hand towards the signing room and smiled: "Please come in." ”

Zhong Jin looked at him deeply, if it wasn't for his father Khan's instructions first, he really wanted to kick him. There was nowhere to vent his anger, so he could only snort and walked in first.

Shen Mo also entered the signing room and asked someone to serve her tea.

Zhong Jin is angry, "Don't you know that this girl's belly" has become a water bag? He sat there with his mouth pursed and made accusations with his eyes.

After drinking the wine silently, he was a little thirsty, took a sip of the teacup, and asked, "How is your father?" ”

Zhong Jin nodded and remained silent.

"He sent you to meet me?" Shen Mo asked again.

Zhong Jin nodded again, but remained silent.

Shen Mo couldn't help but be a little funny, how many years, this is the first person who dares to be angry in front of him, so he smiled: "You just said that you were looking for me to collect debts, what do I owe you?" ”

"Guns!" Zhong Jin finally opened Chrysostom, looked at Shen Mo with hatred and said, "You promised me a gun." It's not that a gentleman is quick to say a horse, how can you say that it doesn't count? ”

"You've wronged me." Shen Mo smiled: "I haven't forgotten about it, it's just that the barracks are full of spears, which are bulky and heavy, and are not suitable for girls." I had a short gun ordered, and it was delivered in a few days. ”

"Really?" Zhong Jin also forgot what he said, and now that he found out that he had misunderstood, most of his anger disappeared" and his eyes widened and said, "You didn't lie to anyone, did you?" ”

Silently leaning back in his chair, he shook his head and smiled.

Seeing his warm smile, Zhong Jin's heart was a little flustered, because she found that the killing intent she had accumulated with great difficulty dissipated all of a sudden.

"Does Jinong have something to convey to you?" Seeing the change in the expression on her face, Shen Mo had no choice but to ask.

"Yes......" Zhong Jin secretly scolded himself for not being productive, "quickly put away the messy thoughts, and took out a letter from his sleeve.

Xiao Liuzi took it, and took the opportunity of walking towards Shen Mo and turning his back to her, and quickly checked it, "After confirming that it is non-toxic and harmless, it will be handed over to him, and then stand still behind him." All the actions are done in one go, and there is no flaw at all without looking at the front.

Shen Mo opened the envelope, pulled out the letter, and unfolded it to look slowly.

The Inspector read the letter, "Naturally, no one dares to make noise." As soon as the room was quiet, he heard a very slight grunt, and Zhong Jin's face suddenly turned red, "He lowered his head with a bitter face, and didn't dare to look at him again" It's really embarrassing today......

"Oh, I'm so hungry today............ "The silent gaze did not take off the letter, but touched the belly with the other hand, and continued to read the letter. After reading it, he folded the letter, put it back in the envelope, and said to Zhong Jin: "I am close friends with your father, and I also regard you as my own...... Girl, let's stay here for the next few days, and as soon as I finish my work, I will slam the door and set off. ”

Zhong Jin was embarrassed, but after listening to Shen Mo's words, he suddenly raised his head and said in disbelief: "How old is your daughter?" ”

"Seven years old." Shen Mo thought of his lovely daughter, and a knowing smile hung on the corner of his mouth, and said, "My eldest son is fourteen years old. ”

"Really......" Jong Jin's eyes widened.

"How's it going, disappointed?" Silent self-deprecating chuckles; "It's more than enough to be your elders." As he spoke, he picked up the teacup and sipped it lightly.

"How could you be disappointed?" Zhong Jin showed admiration and praised: "You can really give birth!" ”

, poof"..., silently a mouthful of water almost squirted out, and hurriedly coughed and said: "The child's family, the mouth is not covered, is this what a girl should say?" ”

"You Han people are too hypocritical." Zhong Jin pursed his lips and said, "Isn't this kind of thing waiting for others to praise it?" ”

"Cough ......" Shen Mo couldn't resist, but at this moment, a maid came over and bowed.

He hurriedly changed his words and said, "The virtuous nephew and daughter are far away, why not take a bath and then wash the dust?" ”

"Bathing, dusting?" Although Zhong Jin's Chinese is good, it is only in the colloquial vernacular, and he was a little confused for a while: "Why do you wash and wash? ”

"Uh........." Shen Mo was mentally prepared this time, forced a smile, and said, "Meaning, you can go to the bath first, and then come out to eat." ”

"Okay", Zhong Jin moved when he heard this, it was a sandy day now, and he had been on the road, and he was uncomfortable.

"Serve Beji Tangmu." Silently commanded, and the maid led her in.

After a while, the maid returned, saying that Begi had called her maid in to deliver the clothes.

After pondering, he said softly: "No need, go and get a lady's costume for her, you follow her side and see what else you want." ”

"Yes", the maid bowed down and sipped the slightly cold tea silently, but felt a little hot in her throat. Reaching out and touching it, he suddenly realized that his neckline had always been open, and he couldn't help patting his forehead, and he hesitated powerlessly in his heart, what kind of big-tailed wolf was he pretending to be just now? The image is completely ruined, this was a diplomatic accident before, why didn't anyone remind me?

Settle down, and my heart says no, I have to get back into this game, lest people despise the majesty of the Celestial Empire,... The horizontal and vertical woman took a bath, he also went to the back to take a bath, and then wore a fine linen straight jacket, curled his hair in a bun a few times, modified his beard, and let Xiao Liuzi look up and down, left and right, to confirm that there were no flaws, and then breathe a sigh of relief. Well, thinking about his own reaction, while tying a net towel, he laughed to himself, I'm really idle...... Well, the eggs hurt.

After changing clothes, he came to the front hall silently, but saw that Zhong Jin had already finished bathing and changing, wearing a Luo skirt and cloud clothes, stepping on the bamboo couch, dancing with big sleeves and fluttering skirts.

Zhong Jin, who wore Hanfu for the first time, was struggling with the wide sleeves on the one hand, and complained to the Han maid on the side: "The sleeves of this dress are so big and long, what does it look like?" Like a huā butterfly? ”

Despite this, she was still a little less wild and a little more gentle, which made Shen Mo very satisfied, waved her hand to signal the maid to step back, and said softly: "The sleeves are not long, but you have to be like me." ”

Zhong Jin tilted his head to look at him, but his sleeves were very neat, and he couldn't help pouting: "Your sleeves are short!" ”

"It's not short at all." Shen Mo let go of his sleeves, and after making a move, he folded to his elbows again, and said with a smile: "This is the Ming system, you and I are the same." ”

Zhong Jin wanted to learn from him, but he couldn't get it right, so he finally got angry, stretched out his two arms and said, "You help me get it." ”

Shen Mo wanted to say, don't move if you are indecent", but it was estimated that she would be teased again, so she walked over helplessly, held her breath, and helped her lift her sleeves, careful not to touch her skin. Then retreated to a place where he couldn't smell the girl's body fragrance, and then said slowly: "According to our rules." The cuffs should be kept at the wrists, and it is indulgent to expose the arms, but it is rude to cover the hands. Walking is with fluttering sleeves and appropriate urgency, which is called the middle way of calmness. ”

"Oh......,..." Zhong Jin was not impatient, but fiddled with his sleeves with great interest, and then groped for the huā on the clothes, and sighed: "This dress is so beautiful, light and soft, as if you didn't wear anything." ”！ ~！