"But what if the poor farmers can't afford it? If they can't afford it, we can't just take the land as those pawn shops demand, right? This is inconsistent with General Li's noble feelings! Miss Dugu asked, or specially added an accent to the words noble feelings, and everyone understood the meaning.

Of course, Li Junxian was not afraid, so he said: "Actually, not all peasant households are poor because of poverty. In fact, there are many because they are too tricky, and as a result, they have no harvest because they are lazy. However, I believe that such people are in the minority, and the vast majority of farmers are honest and trustworthy. Of course, we also need to guard against those who are tricky. Before we borrow, we should investigate to understand the ordinary behavior of those who borrow, as well as the moral character, and more importantly, the credibility. If those with bad credit come to borrow, of course we can't borrow! Of course, we do not accept collateral, even if it is a loan from a farmer, it must be collateralized. However, our interest rate is very low, and if they are not willing to repay, then we have nothing to do. If they still can't afford to repay, then we can't be a bad person, and of course we have to confiscate the mortgaged land! ”

Li Junxian's method is to guard against those bad debts from the source, although it is impossible to prevent them absolutely, but it can also achieve a certain effect. Moreover, Li Junxian's money bank is not completely unmortgaged, and the mortgaged thing should be mainly land and real estate. What Li Junxian can do for those really poor farmers is to reduce the interest rate and extend the repayment period. If he can't afford to pay back these two things, then Li Junxian can only be a villain once and take away the mortgaged land. Because every era has its own rules, you can't be a bad person in this era, because Li Junxian wants to make a profit. And the ancient merger is the trend of the times, and Li Junxian can only delay this trend, and it is difficult to completely eradicate it. So since he can give those poor peasant households a chance, it is already benevolent and righteous, if those peasant households really can't pay it back, then Li Junxian has nothing to do.

"General Li, your plan is feasible! But I'm afraid we also need Dabi's investment! Because at the beginning, there were not many people who deposited, and the credibility of our bank was not enough, so there were few people who deposited. And there must be a lot of people who need to borrow, because now that the world has just been peaceful, many farmers need to resume production and farming, and they need to buy seeds and cattle, all of which need money. And once we open a bank, coupled with such a low interest rate, I am afraid that borrowers will flock to it. General Lee, do you have a solution to this problem? ”

"It's a simple question! Miss Dugu, you don't think that we can play with this money bank, right? To tell you the truth, even I, the favored minister of His Majesty the Emperor, may not be able to cover this money bank. I'm afraid we have to absorb more people and let more people invest in our bank. We can give them a portion of the molecule and let them spend money to invest, so that we can get a lot of money. Moreover, this money bank is related to the happiness of the people in the world, and I am afraid that His Majesty the Emperor will not sit idly by. Therefore, I have the confidence to say that His Majesty the Emperor will let the imperial court also invest some money to invest in this bank. Although we only occupy a small part, the economic and political interests in this should not be underestimated! Li Junxian said.

Miss Dugu also understands that Li Junxian's plan is to tie more people to herself, and through this money bank, many people can stand in the same boat as herself. Moreover, if Li Shimin can be persuaded to let the state also allocate a part of it, this can make this money bank a public-private joint venture. In this case, the imperial court will definitely take more care of this money bank, because this money bank is related to the restoration of production of farmers all over the world. To a certain extent, this money bank can improve the people's ability to resist disasters, so that the people will not sell their sons and daughters for the sake of a little disaster. Li Shimin, as a top politician and emperor, of course, will not fail to see this, so it is certain that Li Shimin will let the imperial court invest. If the country doesn't invest in it, I'm afraid Li Shimin won't be at ease!

"Miss Dugu, is there anything else you want to ask?" Li Junxian asked.

Miss Dugu shook her head and said, "No! General Li, you are able to combine making money with doing good deeds, you are really a 'good businessman'! I'm ashamed of that. General Li, you are a gentleman! ”

Li Junxian heard Miss Dugu's words, that is to say that he is a hypocrite! Li Junxian actually linked himself to making money and helping poor farmers, which is definitely not a gentleman's behavior. However, Li Junxian's words are impossible to refute, because Li Junxian has indeed reduced the pressure on the farmers, and I am afraid that even those who are full of benevolence and morality cannot refute it. The only thing that can be refuted is that Li Junxian is still aiming to make money in the end, but it can't be said that he is mercenary.

"It is immoral to harm others and benefit oneself. It is foolish to harm oneself and others. Harming others is not beneficial to oneself, this is brain-pumping. And benefiting others and benefiting oneself is what a wise man does. I'm a wise man, too! Li Junxian said.

Miss Dugu heard Li Junxian's far-reaching words, and her eyes seemed to be a little surprised, he didn't expect Li Junxian to be able to say such meaningful words. In this era, except for a few generals, most of them were rough people. It's like Cheng biting gold, that's even more of a rough person! Cheng Yanjin actually became a famous general of the Sui Dynasty before he invited a teacher to tutor him in culture. However, this kind of person has too much time to study culture and has a poor development prospect, so he can only be a military general on the front line of the battlefield. But Li Jing is different, Li Jing has been an aristocrat since he was a child, so he has a high level of education and broad development prospects, which is why he has the title of the god of the Tang Dynasty. And Li Junxian's life experience has been widely spread during this time, that is, a former subordinate of Wagang Li Mi, and then took refuge in Wang Shichong and became Wang Shichong's hussar general. Later, because he hated Wang Shichong's personality, he took refuge in Li Tang again.

Strictly speaking, Li Junxian is also a three-surname slave. But what is very wonderful is that during the Sui and Tang dynasties, many people were domestic slaves with three surnames. Qin Qiong has taken refuge in several bosses, and the famous Wei Zheng has also taken refuge in five bosses. Even the rough man Cheng Biting Jin has followed several masters. Most of the generals under Li Shimin were recruited from others. Therefore, in the Sui and Tang dynasties, it was not a bad thing to take refuge in a few bosses.

And it is precisely because of these materials that everyone can see that Li Junxian is not a highly educated person. Now she can say this kind of thing that only people with rich life experience and culture can say, which makes Miss Dugu a little surprised.

Li Junxian left after speaking, but Miss Dugu whispered on the tea table: "This Li Junxian is a little interesting!" ”

;