"Wait...... Wait a minute...... Li Fu really couldn't accept this information, his brain began to dizzy, he stopped Chen Yuanlong, and took a moment before asking: "Old Chen, there are fast guns and cannons pressing, there are suppressing Confucianism and rejuvenating industry and commerce, and the younger generation can barely be trusted to accept the grain."

Affair. But to grasp the real situation of the farmer's land, even if it is only eight or nine points, this is also a fantasy, right? Throughout the ages, this matter has been related to the fortunes of the country. Wang Mang in the Han Dynasty, Wang Anshi in the Song Dynasty, and Zhang Juzheng in the Ming Dynasty all had this delusion, what was the result?"

He shook his head and said: "Let's just say that Wang Anshi, even the implementation of a green seedling law has become a law that harms the people." ”

Chen Yuanlong smiled, this is also a topic he has studied for a long time, facing a person who is determined not to believe, and he is scratching the itch of his tireless teaching.

"Speaking of the Seedlings Law, this matter starts with the Seedlings Law......

"Do you think that this court relies on officials to measure acres of land? Well, there is no germanium, and in your opinion, it seems that it can only be Confucian rulers and officials. Regardless of other places, Guangdong Province alone, there are as many as 300,000 hectares of land, and one person can measure one hectare, and 300,000 people will have to figure out the ownership, which is absolutely impossible. ”

Chen Wulong mentioned a name that Li Fu was unusually unfamiliar with:

"Qingtian People's Loan".

"The emperor of this imperial court is very good at regulating public opinion and public sentiment, and many earth-shattering changes in the previous dynasty have already quietly spread in Guangdong. Let's talk about the Qingmiao Law, this law has been practiced in Guangdong for four or five years, but there is no public opinion. It was not the imperial court that implemented this law, but the Qingtian people's loans, yes, the merchants...... But this is public business.

There are countless proprietors of Qingtian Mindai, among which the proprietor is the emperor himself. ”

"Farmers in Guangdong can get Qingtian people's loans, and the annual interest is nominally two into four, but in fact it is five percent of the actual interest, that is, one into two of the real interest, yes, one into two."

"The old man investigated the past deeply and found that Emperor Shengdao was in Yingde in his early years, when he was only in Li Banxian, he began to lower the rate of private loans. At that time, he naturally acted by bullying methods, coerced and lured private loan sharks, and became the largest lender in Shaozhou early on. After the founding of the country, it took advantage of the national situation to sweep away all the usurers in Guangdong. The usurers were either loaned by others or turned to industry and commerce. Later, when the ticket bank was started again, no one else in the countryside dared to make a big loan shark, and he had no intention of making a loan, because he couldn't compete for the low-interest Qingtian people's loan. ”

Chen Yuanlong's tone was full of appreciation and admiration, and Li Fu was also swaying when he heard it, one into two people's loans!? But what does this have to do with the fact that the fields are in charge?

Chen Yuanlong continued: "The shopkeeper of Qingtian Mindai is completely acting by businessman's means. Lending money and recovering money were their achievements, and Bai Ran tried to cover all the peasants. They spend all day in the fields, calculating which household has how many acres of land, wearing out their mouths, lending money to farmers who can afford to take loans, and doing this all year round. In the past few years, Qingtian people's loans have accumulated a lot of credit, and there are always times when the peasants' turnover is not good, and the interest rate of one or two percent a year has been outrageously low, so it is natural to have some dealings with the people's loans. What do farmers rely on to get loans? Isn't it a mortgage on acres of land? Lenders, Bai Ran can know the details of farmers' fields. ”

"As far as the old man knows, there are more than 20 people in Guishan County, don't look at their small number, they have been staring at a piece for many years, and in the past few years, what is the situation of the acres in the countryside, ten out of ten don't know, and eight or ninety percent of them don't leave."

Li Fu suddenly realized that this Holy Dao Emperor actually relied on people's loans to hold the people's fields?

Chen Yuanlong shook his head: "The number of acres and the ownership of the land should be reported to the Accounting Department, this is because the imperial court wants to subsidize the people's loan profits, and at the same time, they must also pay to the county government, because the county will also subsidize the profits with agricultural taxes." And the county peasants, that is, the officials, did not do nothing, on the one hand, they checked and filled in the gaps, and on the other hand, they gradually filled in the field books with the deed. With the joint efforts of the government and businessmen, in a few years, they will naturally be able to control the actual situation of eight or nine acres of land. ”

Then he said: "Speaking of which, this is also related to the apportionment of the acres and the tax reduction year after year, if it is still according to the previous miscellaneous distribution of the emperor's grain, the farmers will naturally have to find a way to hide the land." ”

Li Fu turned his mind for a long time and found a missing tone: "This people's loan covers all the people, where can there be so much silver turnover?"

Chen Yuanlong smiled: "The old man said a long time ago that this Holy Dao Emperor, You Shan pulls others to do things together, and when he divides the big cake, he always has to bring a hard pot." Sanjiang Investment now absorbs only two adult profits, part of which is invested in usurious places, and part of it is also invested in private loans, which can at least guarantee one percent of the profits. In addition, the private self-run ticket bank should also share a fixed amount on the private loan, which is the accounting department in the accounting transactions. The headquarters of Qingtian People's Loan has countless calculations, and tens of millions of taels of silver money a year can naturally accumulate small profits for big profits. The planning department also has countless calculators, who specialize in summarizing and calculating the land and mu registration files of local agricultural and Qingtian people's loans, thus providing a basis for the imperial court to set agricultural policies. ”,

Li Fu said awe-inspiringly: "This is the top secret of the Southern Barbarian State, will it be risky for Chen Lao to come out with the younger generation like this?"

Chen Yuanlong haha: "Top secret!?" It's really not widely known to outsiders, but do you really think that if you know this secret, you can follow suit!?"

Li Fu was full of agitation, and felt that he had learned a hand, and with the cooperation of private loans and officials, he dug up the foundation of the people, and also carried out the green seedling method. If it is used under his own rule, no, dedicating this strategy to the emperor of the north, it is simply a peerless miracle!

But Chen Yuanlong smiled widely, as if he had heard some big joke, and Li Fu was very puzzled.

Ji Yuanlong retracted his laughter and said bitterly: "Julai, let me ask you, if the northern imperial court wants to implement this policy, it may guarantee that the government really doesn't ask merchants how to operate private loans?" Can you really hold down the bottom line of one out of two? Let me tell you clearly, Qingtian Minyuan Loan not only benefits the people, but also makes money. ”

Li Fucai took a breath, this matter is indeed too complicated, not to mention one or two, such a large-scale business, if the northern court does it personally, it will be countless officials and masters stretching out their hands. Even if it is two or four percent of the profits, I am afraid it will be a loss. If it is left to businessmen, I am afraid that it will evolve into businessmen relying on official authority to oppress the villagers, and eventually become a policy to harm the people, just like the Qingmiao Law. Chen Yuanlong sighed: "The northern court doesn't know how to use merchants, only knows how to suck the blood of merchants, or suck the blood of people with merchants. The southern court knows how to use merchants to govern the country.

And the first one is to let the industry and commerce stand side by side, so the Holy Dao Emperor wants to suppress Confucianism, which is also the result of the old man's hard work all day long. ”

He said to Li Fu with pity: "Even if I give you all the secrets of this Yinghua and the emperor in the north, I won't be able to learn anything." ”

Let the silver money be involved in everything, and then grasp the truth of the silver money, the power that can be controlled by this is much stronger than the power gathered by the layers of officials who take orders to act, and Chen Yuanlong has seen this very thoroughly. Even he had already figured out why the Holy Dao Emperor was able to do this, first of all, he had a wide range of business schools very early on, and he had a large number of talents who knew how to do arithmetic. Secondly, he started as a banknote bank, a bill bank, and an investment company, and then used the Anglo-Chinese Bank to unify the private bill houses, and all the money came and went along the ditch he dug. Of course, the most important thing is that he dared to make industry and commerce independent, and let the government and the imperial court deal with industry and commerce in a business-to-business manner.

If it weren't for the fact that he was already old, the end of his life had become a big festival, and he didn't want to bear the reputation of a second minister, Chen Yuanlong actually wanted to join the Chinese court and grasp the great changes in the times that had never been seen for thousands of years.

But this does not mean that everything is over, it is precisely because he has noticed that under such a national policy, there are some worrisome signs hidden, and he does not want to leave, but wants to continue to see if the Holy Dao Emperor has a comprehensive response to Weiwei.

Chen Yuanlong's final advice to Li Fu was: "Maintain the place well, and when that day comes, it will be a benevolent and righteous act to reduce the disaster of blood and fire." ”

Li Fu flicked his sleeves angrily, which day? Naturally, on the day when the Yinghua army came, Chen Yuanlong actually persuaded himself not to resist the Nanban!?

After talking with Chen Yuanlong for most of the day, Li Fu finally woke up to the fact that this old Mr. Chen had gone astray and had no intention of staying, so he gave his hand and said goodbye. When he went out, he froze, and dozens of men in civilian clothes stopped him with melon skin hats with blue noses and swollen faces.

Seeing him looking back at the courtyard, a man said, "What can Mr. Chen say, this brother has explained everything." Li Wantai, let's go to our Praetorian Guard Department as a guest. ”

The adventure of Li Fu, the governor of Fujian, came to an end, but the adventure of Tian Wenjing, the governor of Jiangxi, was wonderful. Compared with Li Fu, who is not familiar with the world, Tian Wenjing has been grinding in the local area for more than 30 years, and he is much more capable, and he is very handy at pretending to be a cotton merchant. When Li Fu was invited by the Praetorian Guard to be a guest, he was in the Courtyard Building in Xiguan, Guangzhou, drinking with a cloth giant in the Chamber of Commerce and Industry. The cloth merchant heard that he was a cotton merchant who was ranked number one in Lianghuai, and in order to save face, he specially invited the director of the Textile Department of the Ministry of Commerce of Zhongshu Province to accompany him. "Contemptible people have also been mixed in the official face for a few years, after all, they are not used to the rules of officialdom, so it is better to invite Bai Yi to be refreshing."

Tian Wenjing said lightly, looking for a cover for the vague official flavor on Bai Ji's body.

At the banquet, there will be no deep talk about business, and this is the purpose of Tian Wenjing. He is different from Li Fu's demands, and he wants to see the foundation of this wood of British and Korean control. "This big discussion between the government and the opposition should have a result......

Tian Wenjing pretended to be familiar with local affairs and threw out such a talk. In his opinion, the Holy Dao Emperor of the Southern Barbarians, the former Kangxi Emperor was more pretentious. How can firearms be banned? Naturally, such a topic is thrown out, so that the nurseries below cater to it, however,

Later, it was declared that the people would ban guns. The Emperor of the Holy Dao relied on muskets and cannons to fight a country, and he would never give the people under his rule the same chance again, unless his brain was pierced and he entered the water.

The head of the Ministry of Commerce was very young, and said straightforwardly: "This matter has already had a result. ”

Tian Wenjing said in his heart, I will say it, everyone knows the hands and feet of the Holy Dao Emperor.

The cloth merchant smiled: "That's natural, the Chamber of Commerce and Industry shouted for the ban a year or two ago, it's not those poor and sour talents, and those dog officials in Shangshu Province are stopping, ah, it's not that you Zhongshu Province, they are full of thinking that all the people in the world must behave like children." But they didn't think that the wicked could get a gun, and the good couldn't sit idly by......"

The principal seemed to be joking: "How can you be considered a good person?" All you want is to gather a musket team and go straight north to grab cotton. ”

The cloth merchant smiled: "Then it is really true!" It's not like the official family has sent the red-clothed army every time to help us businessmen open the way, uh, Tian Dong's family? Tian Dongjia, what's wrong with you? Not scared, right? I won't grab you, as long as I can talk about the code, I don't have to fight and kill......" Tian Wenjing retracted his dull gaze, touched the saliva at the corner of his mouth, and tried his best to hide it: "Yes, it's not necessary, hehe......"

The principal saw the shock that Tian Wenjing tried his best to hide, and said with a smile: "Actually, although firearms were also banned earlier, they have not been strictly investigated, as long as they are not taken outside, basically no one cares." At present, the government and the opposition are discussing it, but they are only discussing a set of specific control measures. The official family really wanted to ban something, and they had already issued a strict order like the previous ban on foreign religions, cults, and foot binding. ”

The cloth merchant began to digress from the topic: "There are not many people in the south who bind their feet, and several ladies in the palace are Tianshi, and no one is entangled." When Concubine Xian Niangniang held a book collection in Shanhailou before, the moon-stepping shoes she wore were already popular in Guangzhou, and she couldn't grab a hundred or two pairs. Director Liu, do you have a way?"

Director Liu touched his nose: "It's true that my uncle is in Qingtian Shoes, but the order is scheduled for March next year, and even my wife has to wait.... The two were gossiping, but Tian Wenjing shouted in his heart, do you really want to let the people hold firearms casually? That Holy Dao Emperor, what the hell was going on in his head?

(To be continued)