Even in September 1906, Pang Zi still did not know how Chen Tianhua, as a foreigner, spent four months from May to September to establish a peasant association in Gaojiazhai and several surrounding villages. Pang Zi read the constitution of the peasant association, it was concise and to the point, to put it bluntly, it was the line of words painted on the wall of the peasant association, "The common people have the final say in the affairs of the common people." ”

All matters of the peasant association are decided by the collective voting of the members of the peasant association. Chen Tianhua said a very novel term to Pang Zi, called "people*". It is said to be a novelty proposed by Chen Ke, who is far away in the south. Pang Zi didn't like Chen Ke, and immediately lost interest in in-depth understanding. And Chen Tianhua relied on that bunch of strange things to turn the peasant association from a small breeding farm into a big force in Nangong County with five or six surrounding villages.

According to the information provided by Jing Side, Pang Zi really found Chen Tianhua who was working in the earthworm field. The two hadn't seen each other for more than a month, and when Chen Tianhua raised his head to look at Pang Zi, Pang Zi suddenly noticed something. In the past almost a year, every time he saw Chen Tianhua, he would strongly feel that there were very obvious changes in Chen Tianhua.

At the beginning, Chen Tianhua obviously didn't want to stay in Nangong County. At that time, Chen Tianhua was still wearing a student uniform, with neck-length hair, full of "Oriental flavor". As soon as this foreign student opened his mouth, he said "state", "revolution", "constitutionalism", and "foreign", which was interesting but sounded like a storyteller.

Later, Chen Tianhua cut his hair into Chen Ke's extremely short style, and changed his clothes to those of Hebei farmers. Speaking and doing things have gradually changed. After starting to build the farm, Pang Zi also followed for a while at first, Chen Tianhua began to become haggard, in addition to the fatigue caused by manual labor, the whole person became a little anxious and nervous. It was clear that the farm work had made him extremely uncomfortable. Sometimes Chen Tianhua likes to speak loudly, and sometimes he talks to himself in Hunanese. In addition to working, he took the thick pamphlet written by Chen Ke and read it, his brows furrowed tightly. A bitter and hateful look.

The work of the feedlot was tiring and tedious, and Pang Zi didn't last long and ran away. It wasn't until the feedlot was able to start providing a steady supply of eggs that Pang Zi came a little more. Chen Tianhua became cheerful, with a smile on his face, and when he was with Pang Zi, he no longer mentioned the previous "country", "revolution", "constitutionalism", and "foreign country". Except for the specific farm work, Chen Tianhua didn't even say anything else.

Not only that, but there has been a very significant change in this young man. He was finally willing to listen carefully to what others said about small things that had nothing to do with national affairs. Pang Zi had learned before, no matter what he said, although Chen Tianhua was also listening, but in the end he had to bring the topic to "revolution". Now Chen Tianhua does not mention the "revolution" at all, but listens carefully to what others say about specific things, and then he will discuss with others how to solve these things. The young man who used to be high above and always tried to be someone else's "sir" seemed to have become a different person, a simple farmer, an ordinary young man who farmed the land.

In September 1906, after Pang Zi met Chen Tianhua, he was very keenly aware that Chen Tianhua had changed again. A familiar thing began to reveal in Chen Tianhua, it was something that Pang Zi had seen in Uncle Jing Tingbin Jing, and that was what Pang Zi envied the most.

When Chen Tianhua was holding a hoe, he was really working, and "just" he was working. It was an indescribable focus, calm and gentle. As long as you see Chen Tianhua, everyone knows what he is doing, and most importantly, everyone knows that Chen Tianhua knows very well how to do the best farm work now.

Among the people Pang Zi has seen, Uncle Jing is such a person, and his words and deeds are full of a kind of persuasion. When everyone doesn't know how to solve the problems of the year, Uncle Jing Tingbin Jing may not know, but everyone believes that Uncle Jing will definitely be able to find a way. These problems will definitely be solved. Although Pang Zi didn't know if Chen Tianhua could really do the same as Uncle Binjing in Jingting, Chen Tianhua's every move now made Pang Zi, who had followed Uncle Binjing in Jingting for many years, see the familiar movements and eyes.

Pang Zi, who noticed this, couldn't help but be a little dazed.

"Captain Pang, long time no see. It's great that you're here, I was saying I wanted to find you. You wait for me for a moment. Chen Tianhua shouted. After speaking, Chen Tianhua explained a few words to the members of the peasant association who worked together, but the peasant union members did not fully understand what Chen Tianhua meant. Chen Tianhua was not in a hurry, he first listened carefully to the members' questions, thought about it, and then put forward his own opinion. Now that the peasant council member figured it out, he went on to do it. Chen Tianhua looked at the side for a moment and felt that the members of the peasant association had truly understood the correct approach, so he walked out of the field.

"Mr. Chen, I'm going back to the county soon. I just wanted to see you before I left, and here I am. Pang Zi said with a smile.

Chen Tianhua also smiled, but did not say hello. "Captain Pang, I want to ask you, have you thought about the matter of Qianzhuang last time?"

"Money?" Pang Zi asked with a little confusion, he has been either busy expanding his territory in the distance recently, or he has been busy escorting goods. After thinking about it carefully, I remembered that Chen Tianhua had indeed said such a thing. "Mr. Chen, we don't have much money now, what kind of money can we run."

Chen Tianhua said very seriously: "We want to release money to the villagers of the peasant association, and we can't do it without a bank." ”

"Do we still have to put the money in the print?" Pang Zi felt very strange.

"It's not Indian money. I want to lend money to the villagers of the peasant association at an interest rate of one cent per year. The autumn harvest is over, and many villagers want to buy more things and do a big job next year. Since we have some money in hand, I think it would be better for the farmers to open a money village and lend money to the villagers. In this way, the peasant association can have some income, and the villagers do not have to borrow usury. Chen Tianhua explained.

Pang Zi doesn't have any special concept of finance, it's okay to let him do business, but let him make money Pang Zi doesn't understand it at all. But Chen Tianhua's expression was serious, thinking that this matter was not as simple as it seemed on the surface. Pang Zi said: "Then let's sum it up." ”

In recent years, it has become more and more difficult to get money, more and more taxes have been levied, and everyone's life has been miserable day by day. One of the reasons why Uncle Jing Tingbin led everyone to rebel in the past was that the imperial court distributed "foreign donations" to the township. Uncle Jing made it clear that I am Chinese, why should I pay this foreign donation? So he raised his arms and shouted, and all directions responded. According to what Chen Tianhua said before, this is China's money, which has been robbed by foreigners. If the imperial court wanted to loot money, it raised taxes on the people.

Since the establishment of the peasant association, one of the important tasks of Pang Zi's escort team is to buy a lot of daily necessities with the money earned from selling poultry eggs. Because Pang Zi's team was able to go farther to the production area of daily necessities, buy a large number of goods, and the price was cheap. These bargains were not intended to make much money, because poultry eggs and livestock were also supplied in large quantities for free to Pang Zi's horse team members. Pang Zi also needs a lot of this meat when he goes out to buy people's hearts. In addition, the money to buy things was paid by the peasant association, so Pang Zi didn't really want to make a lot of money from it.

As a result, members of the peasant associations were able to buy many commodities at prices much lower than the local trade in daily necessities. It's really affordable for everyone. Pang Zi actually didn't know that the rapid development of the peasant association was closely related to the commodity supply channels within the peasant association. There is no need to pay money to join the peasant association, and the peasants do not spare any effort, and the money they earn by working hard these years is actually very limited. Being able to get cheap daily necessities through the freight channels of the peasant associations can save a lot of money. This kind of big benefit folks won't let go.

Pang Zi had no knowledge of economics, and what he could directly experience was that the peasant associations were able to provide more and more goods. These goods were transported to the canal wharf through Pang Zi's caravans, and directly bought in Shandong, Tianjin, Beijing and other places. Taking the present as an example, there are already two suppliers of salted duck eggs in Beijing and Tianjin, one is Baiyangdian, where the duck eggs are simply picked for nothing. The basic cost is just the labor to pick up duck eggs. The other is the breeding farm in Nangong County, which is different from the duck eggs in Baiyangdian, Nangong County is characterized by uniform quality of duck eggs, more oil, delicious and stable supply. Beijing and Tianjin are both cities with very high spending power, and the market demand in these two places is huge. After Nangong County was finally able to reduce the price of salted duck eggs to a level that could compete with Baiyangdian, Nangong County and Baiyangdian had basically carved up the market in Beijing and Tianjin.

And the surrounding suppliers of daily necessities are even more flattering to the "huge king" who has rich money and buys goods in a big way. In just half a year, the name of "Huge King" resounded all over the canal business community. Pang Zi now can't look down on those second-tier and third-tier dealers. The bulk of daily necessities he bought had been shipped directly from the production area of Beijing and Tianjin, which was something that even Uncle Jing Tingbin could not do.

However, Pang Zi didn't realize what he did, in fact, even Chen Tianhua, who proposed to open a money bank, never knew it before. Chen Ke's manuscript to Chen Tianhua briefly introduced the principles of the formation of peasant associations and the functions they could exercise. After Chen Ke clearly pointed out the significance of the construction of rural credit cooperatives, Chen Tianhua was ready to try it out.

Although Pang Zi said "total", he just wanted to hear it. In fact, Pang Zi has bigger plans.

Chen Tianhua said: "The most important thing in the charter of this money bank is one thing. The money village did not give money to people to spend, but kept a share of the business offered by the peasant associations and caravanserais. Whoever wants to do anything to make a living, as long as we can help them sell things and make money, we will lend them money to do this business. ”

For putting money to make a living, Pang Zi can understand. Regarding not giving money to people to spend, Pang Zi didn't understand. He honestly asked Chen Tianhua what this meant.

Chen Tianhua explained: "That is to say, weddings, funerals and weddings cost a lot of money, and whoever wants to borrow money from the money bank to do this, we will not borrow." ”

"You're!" After hearing this, Pang Zi immediately replied: "I heard that the peasant association can let everyone do more work. You can make money by doing anything, it's not these big things, who has nothing to borrow. ”

In fact, Chen Tianhua did not understand economics, and his economic concepts were all learned from Chen Ke and gradually developed in practice. But Chen Tianhua himself still has some habits like old intellectuals. Don't like to talk about money. Even though he has changed a lot now, he is still a layman about finance. The most important thing is that Chen Ke did not expect that Chen Tianhua could get this level in Hebei, and the manuscripts left for Chen Tianhua were very limited in terms of economic aspects.

For the farmers' association money village, Chen Ke only repeatedly emphasized that he would never give any consumer-oriented loans. Because farmers have limited ability to repay, once a consumer loan is issued, it is too risky to lend. As for productive loans, as long as they can ensure logistics, they can actually provide credit loan support without providing cash, but with production tools and other means. To put it more plainly, "money" is just a measure to be measured, and in fact it is only money on the books. In reality, it's just the handover of materials.

For example, the peasants wanted to buy new iron plows and "borrowed" from the peasant associations. The peasant association obtained an iron plough through Pang Zi's caravan and spent a silver dollar. Then the peasant union signed an agreement with the peasant to give the iron plough directly to the peasant, and the peasant did not have to pay the principal and interest of a silver dollar at the end of the year, but could pay for it with free labor and agricultural products. The "silver dollar" is merely a "general equivalent" on the books to measure whether the labor is equivalent to the agricultural product. "General equivalents" are what money is.

Chen Tianhua took a lot of effort and boiled two hairs to understand Chen Ke's concept of currency. After he understood this concept, Chen Tianhua admired Chen Ke's "profound knowledge" even more. Standing at this height, Chen Tianhua recalled that when he made a revolution with Huang Xing, Song Jiaoren and others, everyone saw the things on the surface, and then they came to the nonsense. The true meaning of the revolution was not understood at all.

If it had been before, Chen Tianhua would have explained to Pang Zi in detail the significance of this set of theories, and after almost a year of actual revolutionary experience, Chen Tianhua would never have rashly done such useless work. Anyway, the current economic operation of the peasant association is not under the control of Pang Zi, and it is okay to talk about this matter later. He said: "Captain Pang, this matter can be discussed in the long run. You're not here to see me. If there is anything you want the peasant association to do, you can tell me. ”

When Pang Zi heard Chen Tianhua say this, he immediately became excited, "I'm going to buy and sell nitrate." Let's build a peasant association in Pingxiang as well. I went to get those salt dices, and the peasant association sent people and workers. It's a big deal, and once it's done, we'll be rich. That idea of wedding and funeral money is a piece of. At that time, we were able to buy the entire land in Nangong County. The county magistrate can go to ......"

Pang Zi said happily, and originally wanted to say that the county master could die. But immediately thinking that the county master was his teacher, he immediately stopped talking, thought about the words, and then said: "The county master can leave the official affairs to us to handle, and he can enjoy the blessings of the old man." ”

Unlike Pang Zi, Chen Tianhua did not get elated when he heard the news. "Captain Pang, are you offending too many people by doing this?" Since opening the farm, Chen Tianhua has experienced how strongly "industrial production" has damaged the smallholder economy. On the one hand, the rise of peasant associations is that there are tangible benefits to joining peasant associations, and on the other hand, Chen Tianhua also hopes to alleviate the damage to the economy of Nangong County, which is becoming more and more prosperous, by pulling all the peasants into the peasant associations.

Even so, according to the information collected by the peasant association, the local handicraft industry in Nangong County, which was excluded from the economic cycle formed by the peasant association and the Pang Zi transport team, was already facing a complete bankruptcy. Pang Zi wants to meddle in nitrate, this is no longer a business, but a real snatch. The contradictions will only intensify. Chen Tianhua was a little worried about this.

"Xingtai, are you scared?" Pang Zi said with a smile, "With the support of my hundreds of brothers, just that idea, they dare not know each other, I can stretch out my hand and beat them to the ground." ”

Seeing that Pang Zi was so confident, Chen Tianhua knew that he would never be able to persuade Pang Zi to stop, so he had no choice but to nod, "I will let people contribute to the peasant association." ”

"Then it's a word. I'm going to the county to get ready. Pang Zi did his own thing, and then got up to leave.