Chapter 46 Cooperative Banks
Only when I got to the field did I find that Zhang Chun's strength was far deeper than I imagined.
If it weren't for Zhang Chun's extreme plebeian concept, it would be really unacceptable and would pose a real threat to the aristocracy and landlords. Qingzi wants to try it out in Liu's family for a while.
When Liu Tie told Liu Ying about Qingzi's opinion.
Li Mingyi sneered: "What Zhang Chun wants to overthrow is not just the imperial court. He is the biggest thief. In all dynasties, which time was not the change led by the scholars, and when was it the turn to be on an equal footing with the mud legs. Moreover, Zhang Chun regards ignorance as civilization, which is a typical ruffian # sub-culture, small peasant consciousness. ”
Liu Ying sighed and did not speak.
Liu Ying's life was not easy, whether it was the League or the Communist Association, all the uprisings and the development of members were among the new army and students studying in Japan, and at most they only extended to the gentry class. There are only two things they have to catch, one is guns and the other is money. It is believed that as long as these two things are done well, the revolution will succeed.
Liu Ying's co-optation of the lake bandits was considered to be an act with no future. Therefore, all Liu Ying's thoughts were on reorganizing the armed forces, so as not to fail the uprising because of internal opposition. Oda sent people to control and take over. Japan's ambitions, even Kiyoko has never hidden. But Liu Ying did not agree, if that was the case, it would be empty talk to drive out the Tatars and restore China. Is there a difference between Japanese and Manchu?
The evil behavior of the Japanese ronin in Zhouhu is not the result of Liu Ying's deliberate indulgence.
Although the tugboat port riot offended Xiao Tian, it saved face for Liu Ying in the League and the Communist Association, especially Huang Xing saw the huge potential of this force and decided to take time to come to Hubei to have a look.
There are also sequelae of the tugboat port riots, and after a long time, Zhang Jinfu has noticed some clues and began to rectify the new army. Some officers were put on hold or transferred, which brought urgency and danger to the uprising.
Although Liu Ying and Zhang Chun reached an agreement. But Zhang Jinfu also visited Zhang Chun. At that time, Zhang Chun will at most watch the fire from the other side, and it is almost impossible for Zhang Chun to join the army and march into Xiangyang and Wuhan.
Liu Ying pinned his hopes on Huang Xing, hoping that Huang Xing could persuade Zhang Chun.
Zhang Chun became more conservative, spending most of his time in the agricultural college, not even going to the yamen in Yunlong Town. It's just that internal rectification and improvement are accelerating.
Yanmen Town, a town founded by Zhang Chun, included all the newly occupied areas except for the Agricultural College, where some reforms were first piloted.
The separation of primary health and epidemic prevention and medical care is one of them. The establishment of the health fund, which is low and mostly provided free of charge, ensures the basic health of the population. However, the hospital has to charge normally.
After a long time, Qingzi found that the number of patients in Yanmen Town itself was rapidly decreasing. Most of the patients at Lee Chai Hospital have come from other places.
Because most of the doctors and nurses at Liji Hospital are researching and teaching in addition to treatment. Many patients are actually the subject of research without even knowing it. In particular, TCM doctors use ever-changing medicines, which is really due to the suspicion of treating patients as guinea pigs.
The research of Liji Hospital will turn into some small knowledge that appears in the brochure of the health center, such as oral hygiene, dental protection, food hygiene, etc., which makes the brochure of the health center have the taste of becoming an encyclopedia of life.
In the countryside, students from agricultural colleges are all visiting and researching in the fields, mountains and forests, eradicating illiteracy among the common people, and helping the health center to give propaganda and explanations to each rural household. Some of the village leaders are also students, and they are likely to stay after graduation. Their enterprising spirit is strange, and they do not think that becoming an official and making a fortune is the goal of life. Instead, I think that research and service to make life better is enough to make me struggle for the rest of my life.
In addition to the separation of health and medical care. Nanzhang Street has set up a finance and taxation office and a street management office, both of which are crash courses for cadres and business interns, and the college of agriculture has become increasingly popular in attaching importance to internship and research. Everyone knows that they are breaking new ground. When these tasks, which were originally the work of the imperial court's yamen, were not on a high level, but really to serve the people, the nature changed.
In addition to collecting taxes, the finance and taxation staff also helped farmers and merchants learn to manage their accounts and help them develop commerce and handicrafts. The tax rate of 30% set by Zhang Chun is very high, but it is 30% of net income, not gross income. In this era, the peasants and merchants themselves did not understand these things, so there were people in the study classes of the Finance and Taxation Office every day. Because the financial and tax personnel go to collect taxes every month, they always have to check the accounts, if there are many mistakes, the financial and tax personnel are pleasant, but it is very embarrassing, isn't it?
The commercial houses on Nanzhang Street are a little depressed, they are veterans of accounting, and in the past, the officials were all apportioned miscellaneous taxes, and they would not care about your actual income and expenditure. At present, the financial and taxation personnel must check the accounts before collecting taxes. The big commercial houses will definitely suffer because their business is big and their income is large. It turned out that he only needed to give some money to send the officials, and the officials didn't understand. Not now, these students are much more powerful than the bookkeepers of the commercial bank, and they can directly find out the tricks and tricks made by the bookkeepers and the shopkeepers. Suddenly, the commercial houses, account offices and shopkeepers on Nanzhang Street changed a batch. Small merchants are happy because no matter how they collect, it is also on the basis of net income, which ensures that they have a stable income. Instead of begging grandpa to sue grandma in the past, if you don't get it right, you have to be beaten by the officials. Now these financial and tax personnel have a good attitude and can teach them to do accounts.
In addition to managing the market, the street management office has to take care of everything on the street. You can't defecate casually, and neither can your child. There are also administrators in the public toilets, and everyone who goes to the toilet must be warned not to go to the toilet casually, to urinate and defecate in the pit, and to give straw paper. The office also recruits street sweepers and gutter cleaners. This solves a part of the employment, especially for women. The salary is not high, but for poor families, it can solve a large part of the problem.
The street management office also has a planning function, and there are more surveying and architectural designers, of course, these people do not know how to design, but only use the knowledge of surveying and mapping to prescribe a place for the building. However, they have already begun to collect the various buildings that have appeared on the street, and draw drawings for the craftsmen to approve them one by one. These students are very ambitious, not too big, because innovation is a kind of culture in the school, and everyone submits a research report, which is to go to the podium to explain it by themselves, and accept inquiries from classmates and teachers.
"Cooperative bank, yes, who came up with this."
Zhang Chun took the paper handed over by Lizhen.
Zeng Simin is one of the two female students studying economics at the Normal School. Interning at the Yanmen Finance and Taxation Office, Zhang Linyue's financial management was a mess. Not only did they investigate in Yanmen and several subordinate villages, but the finance and taxation office in Nanzhang Street also gave them data and support. They think that money and accounts should be separated, especially the collective economy adopted in Yanmen Village in the form of cooperation, which is the money of the villagers, and Zhang Linyue dares to embezzle it casually and does not give an explanation. So they wanted to set up a cooperative bank and leave the money to the bank to manage. Where the money is used, it is necessary to explain it to the peasants, and then set a certain amount of interest, and the more Zhang Lin wants to use it, the more interest he has to pay. Nanzhang Street is not the same, but small merchants can accept deposits. It can give loans to some small businesses that need silver, and charge interest. ”
"It's very good, I can let the two of them go to Yanmen Hou and Nanzhang Street Finance Office respectively, and improve it while trying it out."
"There is no one, and now there is no one to distinguish from each other, and the back of other people's papers is that the college will increase the number of students enrolled in business and set up a finance department and a banking department. You haven't finished reading it. Lizi glared at him.
Zhang Chun smiled, he was attracted by the idea of the two people, and while watching, he recalled the banking system of later generations. The banking system of later generations was sound, but it was very rigid. What different paths might be possible here?
"Nanzhang Street can be slowed down, Zhang Lin at the gate of the wild goose can't be ignored, he uses other people's money as his own money, and he is not corrupt, he must always consider whether he can afford to pay interest, if he makes a mistake alone, everyone will have nothing to eat, and he can't make up for killing his head. In addition, if there is a corrupt element in the future, the losses will be even heavier. Let someone tell Zhang Linyue that according to Zeng Simin's approach, the cooperative bank will try it out first, what to do, let Zeng Simin figure it out by herself, she is the president of the cooperative bank, and I will send the letter of appointment over tomorrow. This Zhang Linyue wants to be big about everything, big factories, big ranches, it's good to let him be careful. ”
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