Shi Bufan and Dugu Daxue officially set the date and fulfilled the engagement procedures, and then the wedding can be officially held in June next year. However, at present, they can go to the Tang Dynasty government to establish a marriage certificate, which is also stipulated by the laws of the Tang Dynasty, and the laws of the Tang Dynasty must have a marriage certificate from the government to be considered valid, otherwise it will not be recognized. Of course, ordinary people may not care about this, because this ordinary person has a low level of education, so it is naturally impossible to care about this. But Shi Bufan and Dugu Daxue are both "senior intellectuals", and they both pay more attention to these things. Therefore, it is necessary to require a legal formality. So after Shi Bufan set a date, he took the initiative to return home.

"What's wrong with you? Are you going to get engaged to Dugu Shanggong? Qin Jiarui asked helplessly.

Shi Bufan replied: "Forget it, don't talk about this matter." ”

Shi Bufan didn't want to tell Qin Jiarui more, in fact, he and Qin Jiarui were already planning to get married, but they were "inserted by the third car" by this Dugu Daxue, and they were forcibly inserted by Li Yuan, which made Shi Bufan very depressed. He and Dugu Daxue can't talk about any feelings, they can only be said to be relatively plain, there are no too strong feelings, and naturally there is no hatred and the like. But now that we are living together, maybe we can slowly "grow in love" in the future. Fortunately, Dugu Daxue is a beauty, and they are all more in line with Shi Bufan's concept of mate selection back then, so that Shi Bufan will not lose his appetite. Anyway, for men, this kind of thing won't suffer, and he doesn't care too much about it.

However, it is impossible for this Qin Jiarui to come over to be a so-called concubine, being a concubine means being a slave, so Qin Jiarui will not agree. Now Shi Bufan and Qin Jiarui are the so-called "Sister Qi" and "Brother Qi", but anyone with a discerning eye knows what it means. As for those officials in charge of marriage in the Tang Dynasty, they didn't come to Qin Jiarui to trouble, and they didn't care about Dugu Shanggong, you have a brain in the water to meddle in things? People don't say anything about their own families, so you better not meddle in your affairs. And now Shi Bufan is also a baron, although there is no income, and the real fiefdom has not yet been received, but it is also a knighthood! A knighthood is enough to make many people jealous and dare not trouble him.

"How's business going now?" Shi Bufan asked.

Shi Bufan didn't plan to talk to Dugu Daxue about so many marriages, so it might be easy to hit her.

"In business, things are almost over, and we can already start to make a lot of profits. Especially now that tea production and frying have been getting better and better, the taste is much better than in the past. However, at present, the tea production is a little lower, and we are mainly using wild tea, and the source is unstable, which is also a very important trouble. But fortunately, the income of this tea is high, and the profits are also very high, almost four or five times, so it can still be done. We mainly sell to dignitaries, so they are not short of money. Especially after the purchase of the Qin Palace, now the King of Qin has become the crown prince, and he will be the emperor in the future, so more people will come to vassal elegance. Qin Jiarui said.

Shi Bufan then asked: "King Qin and their people, they didn't make things difficult for you, did they?" ”

"Nope!" Qin Jiarui said.

Shi Bufan was worried that his relationship with Li Shimin was cold, and he was afraid that the people in the Qin Palace's Mansion would make it difficult for his sister Qi, so it would be troublesome. However, Shi Bufan was obviously a little suspicious, because Shi Bufan was a nine-rank petty official, and there was no need for Li Shimin, the emperor, to make things difficult. If an emperor remembers a nine-grade petty official all day long, and he is also his sister Qi, then to what extent does this emperor have to be idle? Therefore, Li Shimin did not specifically take revenge on Qin Jiarui's idea, and this tea is really delicious, Li Shimin and those people in Qin Wangfu are also addicted to drinking, so there is no need to interrupt the purchase.

As long as the product is good, even people who don't like you can buy your product. If the product is not good, even friends will avoid it, which is the importance of quality. Quality is the first reputation of the product, so quality is fundamental, and this is very clear.

Qin Jiarui continued: "At present, I have exchanged the money that I embezzled from the Qin family, and I am going to go to Jiangnan Province to find some land to plant this tea, and specially plant tea for us to get this tea out in the future." As long as the tea we grow gradually comes out, then we are not afraid of the risk of running out of stock. ”

"This is a good idea, only by taking the supply into your own hands can it be considered stable." Shi Bufan replied.

Shi Bufan felt that this Miss Qin Jiarui still had a strategic vision, and she actually knew that she would control the supply of goods in her hands, especially to plant tea trees by herself, and then she could control a stable supply by herself in the future and was not afraid of interrupting the supply, which was the most important thing. The collapse of an industry caused by the cutting off of the supply of goods was not uncommon when Shi Bufan did economic analysis back then. Even a lot of business competition is prepared in terms of supply, and Qin Jiarui can be prepared, which is already very good.

And there is no doubt that there is a stable supply of goods to have a stable income.

Shi Bufan then sighed and said, "Miss Qin, I will have to rely on you to support you in the future!" ”

Shi Bufan is also quite helpless, his current nine-grade petty official's fortune Lu does not have a very good standard of living in Chang'an. He is also the kind of poor Beijing official who doesn't have much oil and water, and this kind of poor Beijing official is the most unlucky. As for the title of Dingxiang County man, he doesn't know when it will become real, so he has no income at present. Therefore, Shi Bufan can only hope to rely on Qin Jiarui to make some money for himself.

Anyway, Shi Bufan is also thick-skinned, and he doesn't think it's okay to do this. Anyway, in this tea business, there are many things that Shi Bufan is giving appropriate suggestions, and then Qin Jiarui will implement them, so strictly speaking, Shi Bufan also has ideas and should get dividends. As for what is the relationship between them, those who are Qian Qin Jiarui's are his, and part of him is also Qin Jiarui's. Even Qin Jiarui's wealth, even Dugu Daxue, who is his wife, can't take care of it, because Qin Jiarui is not an extraordinary concubine. This is also the reason why Qin Jiarui is unwilling to be an extraordinary concubine, because once she becomes an extraordinary concubine, it is really no personal freedom and property is not guaranteed, and even her property will become Shi Bufan, and if she becomes Shi Buxue, it will become Dugu Daxue, Dugu Daxue wants to clean her up too easily, so her property is equivalent to being lost.

Once Qin Jiarui's industry is lost, then the status is even lower. Qin Jiarui knows very well the importance of economic independence, if the economy can't be independent, and he has to rely on men to support him, it is equivalent to a slave-like existence. Therefore, a really smart woman will never easily let herself not be financially independent, only economic independence can be independent personality, which is known to later generations.

"But do you have any other money to make at the moment? At the moment I'm relatively idle, I don't have anything to do, I want to get a new business, do you have any ideas? Qin Jiarui asked.

Shi Bufan thought about it, what was the idea of doing business in the early Tang Dynasty. However, what made him feel sad was that it seemed that it was difficult for him to "invent" anything, and there was nothing in his memory that could be "invented" to make money. He didn't know how to get anything through the mirror glass of the character or something.

And after this period of time, Shi Bufan found that the wealth concentration in this Tang Dynasty era was still relatively dense, the wealth of ordinary people was relatively small, and they had just experienced troubled times, and they were currently in the period of economic recovery, and the people had no money to use. If the people have no money in their hands, it is naturally impossible to promote consumption, and if they cannot consume the products produced by the merchants, there is naturally no market.

"Agriculture is the foundation, and in this unstable agricultural situation, wealth is concentrated in a large number of wealthy people. And if you want to impress them, you have to make luxury, but I can't make anything new, I can't make luxury. That can only get money from those ordinary poor people, but isn't that authentic? Shi Bufan thought.

However, he didn't suddenly slap the table and say, "That's right! It is because ordinary farmers have no money that we can make money from them! ”

When Qin Jiarui heard Shi Bufan's words, he was immediately startled, and immediately said, "What are you talking about?" What ordinary peasants don't have money in their hands, and you ask to make money from them? The people have no money now, so how can you continue to loot them? What are you doing, are you too cold? If you're that kind of person, then there's no need for us to be together? I am with you because I value your character and love, and if you are a person who will do anything for wealth, then I can only choose to leave you. ”

Shi Bufan was speechless, this Qin Jiarui still has a lot of "personality", and he would say that. However, this is also Qin Jiarui's freedom, because Qin Jiarui's economy is completely free, and she has not legally become Shi Bufan's concubine, so she can leave Shi Bufan at any time. So this is also the benefit of not becoming a concubine, if you are not satisfied, you can leave at any time, don't worry about anything else. This is freedom, and freedom is more precious than many things, there is no doubt about it.

"Miss Qin, you don't have to worry too much, not only am I not harming the people, but helping the people!" Shi Bufan said.

Qin Jiarui asked, "Help the people?" ”

"Miss Qin, the people don't have money at the moment, so there must be money in the future, right?" Shi Bufan asked.

Qin Jiarui said: "Of course, at present, the imperial court has almost dominated the world, and the emperor will definitely adopt a policy of rest and recuperation, so that the people will gradually cultivate steadily, and the accumulation of wealth will definitely be more and more, so I think they will definitely become richer and richer, and their lives will get better and better." ”

"Yes, that's the truth. At present, the people have no money, and they will definitely have to live some difficult days, so why can't we let them use the money in the future to use it today? Shi Bufan said.

"How is this possible?" Qin Jiarui asked.

Shi Bufan replied: "There is nothing impossible in this world, don't many people also have such a thing as borrowing?" Isn't borrowing money now and then gradually repaying it later? In this way, isn't it just to divert the money of the future to the present? ”

That's not wrong, but the profits are very high! Even if you lend it to the people, they can't afford it! Qin Jiarui said.

Shi Bufan naturally had to study economic history when he studied economics, and Shi Bufan knew that in ancient times, the pressure to force the people to rebel and revolution was often not only the so-called hunger, especially the ancient usury. In ancient times, usury was the life of ordinary people, and many times a family borrowed a bucket of rice, which was a matter of dozens of catties of grain in later generations. But in order to repay these dozens of catties of grain, often generations cannot afford to pay it back. And once the year is not over, this profit is absolutely incomparable.

And this money or usury is another important source of income for the landlord, and once these usury are borrowed, it may not be clear for generations in the end. And once the descendants borrow money again, it is terrible to make such a profit.

Therefore, in later generations, he studied economic policy, and in later generations, China has always maintained a state of crackdown on usury, and absolutely does not recognize usury interest that is higher than the legal standard. Because later generations of government officials were very aware of the terrible nature of usury, in this ancient world, the annual interest rate often exceeded 100 percent, or even 200 percent, and there were not a few!

So with such a high interest, ordinary people can't stand it. At that time, Wang Anshi's Qingmiao method of changing the law in the Song Dynasty was actually a very important means, and the Qingmiao method had an annual interest of 50%, which was already "benevolent government". Fifty percent of the interest is "benevolent government", so you can imagine how terrifying the interest was in ancient times!

So ordinary people can't afford to borrow, or even dare not borrow, this is the most fatal.

"Miss Qin, I don't want you to get such a high interest, but I want your interest to be about one or five percent, so I think most of the people can afford it. And it is possible to borrow a small amount, and each household only gives a maximum of ten yuan at most, so that the people can also borrow it. Moreover, this is only one and a half percent of the interest, and the total amount at home is not high, which is just enough for them to spend this time when production is not in a bad situation, and the people will also benefit from it, and they will get a lot of benefits from it. ”

"So, at that time, with such a low interest, the people would be grateful to you for your kindness!"

However, Shi Bufan said the most important point next.

"Also, if you can borrow so much money to ordinary people, and the interest rate is low enough, then the court and even the emperor will be very happy in the future. When the time comes, the court will not only not hit you, but will help and support you to a certain extent, so that you will climb the court. At that time, the imperial court will not only not take the opportunity to suppress you, but will support you to grow up. You can even have your back to the imperial court, and then in this way, you will get a lot of protection from the imperial court in the future, and others will have to be careful when they do something to you. Because, then you are the object of the court's support, then others will also be afraid that if you are hit, will the court be dissatisfied, or even the emperor will be dissatisfied, this is the most troublesome! ”

However, Qin Jiarui still said worriedly: "Isn't this using the power of the imperial court?" Didn't you say you wouldn't abuse your power to help me? I don't want you to abuse your power, it's not good for you or me. So forget it, right? ”

Shi Bufan was also a little moved, this Qin Jiarui actually knew that she was thinking about herself, it seemed that she was sincere to herself. If it is an ordinary woman, she may take this opportunity to want her lover who is an official to abuse her power to help her make money, but she still thinks about herself and does not want to use her power and influence to make money, which is the best. This also shows that she is sincere to herself, and she is not a woman who pretends to follow her for power and wealth.