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"Is General Lee joking with us?" Gao Mingyue, the housekeeper's sister-in-law behind the screen, immediately couldn't bear it, most of Yi Feng's family was under her control, these tens of thousands of war horses Yi Feng had already told her that the Huaihuang army couldn't digest so much, so it would leave 30,000 war horses to a few cavalry battalions, so that the cavalry of the Wuzhou army could have nearly 50,000 war horses, this number of war horses could not only make the cavalry battalions of the three field armies in Wuzhou equipped with sufficient war horses, but also allow the scouts of other infantry battalions and the scouts of the garrison army to be equipped with sufficient war horses. The remaining 20,000 captured war horses, Yi Feng plans to bring 10,000 when he goes to Chang'an this time as a tribute to the Son of Heaven. The remaining 10,000 horses are planned to be sold directly to various military towns, not only to win some connections, but also to make a lot of money.

Gao Mingyue was reluctant to take 10,000 war horses as tribute to Chang'an and give them to the Son of Heaven, and she argued with Yi Feng there for a long time before agreeing. Now Li Jing wants to buy 2,000 war horses, which was originally a good deal, but he actually said that he had no money to give. What kind of horse do you buy without money, and you're joking with us? Previously, Fang Xuanling took a ten-run fake as a 100,000-guan treasure, but now that Li Jing has no money to buy a horse again, Gao Mingyue can't help but want to rush out from behind the screen.

"I really don't have any money right now, but I do want to buy war horses, two thousand war horses." Li Jing said seriously.

Yi Feng lifted the wind and stopped Gao Mingyue, who had already stood up behind the screen, as well as Wei Zheng and other civil and military forces who were ready to bombard Li Jing. Since Li Jing said so, he definitely didn't come to make trouble. Looking at his calm appearance, he seemed very confident that he could buy a horse from him. Yi Feng now wants to hear what Li Jing thinks.

"Senior Brother Yao, what better plans do you have? Why don't you tell us about it? ”

Two thousand war horses, worth two hundred and twenty thousand, this is a lot of money. The salary of an ordinary town garrison is no more than 24 guan a year, and 220,000 guan can support 9,000 town garrison soldiers for a year. In other words, even if Li Zhen now gives the soldiers of Daning Town a monthly salary of three times a month, these 220,000 yuan are enough to pay the 1,000 soldiers and horses for six years. Such a large sum of money for a war horse. Yi Feng couldn't give it to him for free, and he didn't believe that Li Jing would directly come and force him to take it for nothing.

"This time, I plan to buy two thousand war horses. It is also planned to purchase a full set of cavalry equipment for the 1,000 soldiers and horses under his command. Li Jing did not immediately answer what he wanted to pay, but said more requirements. The last time I sent the two ladies to Huaihuang, I saw the fierce lineup and sophisticated equipment of the Wuzhou cavalry. So this time, I also wanted to replace Daning's 1,000 soldiers and horses with such equipment. In particular, that kind of cavalry cuirass and cavalry knives were quite good. In addition, cavalry round shields, cavalry bows and cavalry crossbows, a certain plan to purchase a full set. ”

The Wuzhou Army now has a lot of cavalry, but the most important thing is a few field cavalry battalions. The cavalry of the other battalions only acted as scouts, and the number was small, and it was completely light cavalry equipment. The cavalry cuirass and other equipment mentioned by Li Jing are all standard equipment of several field cavalry battalions. After Yi Feng fully expanded the cavalry, the number of cavalry had exceeded 10,000, but the cavalry was in the entire Huaihuang army. In particular, the dominant position has not yet been formed in the field army. In the tactical system of the Wuzhou Army, the cavalry has not yet been able to become the main force. It is more in the position of auxiliary operations. Because of this, the positioning and equipment of the cavalry also have a unique embodiment. According to Yi Feng's requirements, after Huaihuang's steelmaking technology was greatly improved, supplemented by wind-powered hammer technology, Huaihuang's armory workshop created a unique steel plate armor. Because of the improvement of materials and technology, this steel plate armor is more defensive, but it is faster to manufacture, so that the Huaihuang Army can manufacture and equip plate armor in large quantities.

Among the many newly manufactured plate armors, the armory workshop specially created a cavalry cuirass for the Wuzhou cavalry according to Yi Feng's design.

The full cavalry cuirass consisted of a sleeveless piece of steel plate armor that protected the upper body, as well as a steel helmet. The cuirass was made up of two forged and curved steel plates, one cuirass and one dorsal armor, to protect the most important part of the chest and back of the cavalry. The two pieces of steel plate armor are strong and strong, especially its arched arc, which is extremely useful for defending against arrows, and the material of the steel plate armor is strong, and it also has excellent anti-stabbing and slashing ability for spears and swords. These two pieces of sturdy plate armor are not too heavy, according to Yi Feng's requirements, the weight of the cavalry cuirass is only ten catties, and the helmet is not counted.

Cavalrymen equipped with cuirassers and steel helmets can also be called cuirassiers, and they are more defensive than ordinary light cavalry. However, in order to reduce the weight of the armor and improve the ability to maneuver, the cavalry did not equip more armor on other parts of the body, except for the chest and back and head. The cavalrymen were not equipped with additional iron armor, nor were they equipped with additional leather armor, they were equipped with silk military robes and cloaks, which were not only fine and cold-proof, but also had good protection against arrow wounds. With a cape, cavalrymen who are not equipped with additional armor have a certain amount of protection on their chests and backs. Their feet are not equipped with ordinary shoes, but long boots, which can replace the traditional shin armor and provide protection for the legs.

In terms of weapons, the Huaihuang cavalry had a spear, a cavalry knife, a cavalry horn bow, and a cavalry crossbow, in addition to a steel whip, and a horseshoe knife and a dagger.

Judging from the armor and armament of the cavalry, this cavalry is a slightly more defensive cavalry than the light cavalry, which can shoot with a bow and crossbow from a distance, and can also attack with a rifle and sword in close combat. But on the whole, they relied on auxiliary chariot formations and infantry formations to fight, and Yi Feng's tactical positioning of this cavalry was to adopt semi-rotating tactics, charge, then bow and crossbow cavalry, then turn, load, and charge again, and so on, and fight with their own chariot formations and longbow formations.

To put it bluntly, the Huaihuang cavalry is still very weak and cannot reach the ability to fight alone.

Li Jing actually wanted a full set of equipment for the deserted cavalry, which made Yi Feng a little surprised. Li Jing only has 1,000 people, and if he wants to build cavalry, then this cavalry, which has no other supporting forces, should be built into a light cavalry. Come and go like the wind, and succeed in one blow. Immediately following from a distance is the tactical style of this small cavalry unit. You equip the Breastplate, and although your defense is increased, your responsibility is also increased. There is no infantry support behind you, do you want to fight to the death with others? Although the cuirass weighing ten pounds is not too heavy, it is very tiring when it is bumpy on the horse. If the armor doesn't fit well, it can even grind a person's shoulder.

Yi Feng considered why Li Jing wanted the equipment of the cuirassiers, while Gao Mingyue considered it much simpler. All she thought about was that Li Jing couldn't even get the money for the war horse, and she wanted to buy a full set of equipment for two thousand sets of cuirassiers. What does he pay the bills?

"A set of cuirass, including a cuirass, a back armor, a steel helmet, and a pair of boots. A cavalry knife is ten times, and the cavalry spear, shield, crossbow, bow, dagger, steel whip, etc. are combined. In addition, a set of silk military robes and silk cloaks will be included, and you will be given 100 pieces. Even armor and weapons and uniforms, a complete set costs 200 guan, and 2,000 sets are 200,000 guan. That's the lowest price. No counter-offer. Gao Mingyue said coldly.

Plate armor manufacturing technology is the exclusive technology of Huaihuang today, and this cuirass not only embodies the unique forging technology, but also fully integrates Huaihuang beyond the current steelmaking technology, the fusion of several technologies, there is now a cuirass produced by Huaihuang armor workshop. Aside from several advanced technologies, the cost and time to manufacture plate armor is actually lower and less time-consuming than traditional iron armor. But since it has exclusive technology, the price is, of course, up to Huaihuang. A set of cuirass is nothing more than a few steel plates and a few linings, but because of the exclusive technology. In the end, Gao Mingyue offered a price of 100 yuan. The traditional iron armor is a complete set, and it is only a hundred dollars. And a set of leather armor is only a few dozen times. The cost of Huaihuang's cuirass is not even a set of leather armor, even one-third of the cost of leather armor manufacturing, and the real cost is calculated, a set of chest armor including helmets is only ten yuan, which still includes labor, materials and other calculations.

Huaihuang's really expensive armor is the armor issued by the guards of Yi Feng's eight hundred young guards now, which is three-quarters armor, which can also be called half-body armor, with full-body defense, only slightly simpler than full-body knight armor, this three-quarter armor is more gorgeous, stronger, and more defensive. But it was too heavy, and a set of armor fell forty pounds. In addition to the eight hundred guards, only the full body armor equipped by the heavy infantry of the chariot battalion is more terrifying, it is almost the whole body defense plate armor, a set of sixty pounds, with a two-handed horse swords, standing in front of the chariot array, it is simply an iron wall and copper wall, and their sword skirts are full of swords

However, those heavy armors can only be equipped with special troops, and the cuirass of the cavalry is only ten pounds. But although the cuirass is light, its defensive performance is very good, and it is an exclusive technology, so a set of one hundred Gao Mingyue is also called without hesitation.

It's just that no matter whether Gao Mingyue asks for 100 or 10 yuan, the final result is the same, and Li Jing can't get the money.

"I want horses and armor weapons, but I don't have that much cash to pay. But I have a mention that I intend to borrow 500,000 yuan from the Northern Bank, and 420,000 yuan can be used to pay for this batch of war horses and armor first. "Li Jing proposed his own payment plan, and he planned to borrow money from the Northern Bank to pay.

After Gao Mingyue heard this, she didn't know how to speak, she had never seen a character like Li Jing. Are all these people who are stupid and want to play with empty gloves white wolf. Northern Bank is Huaihuang's money bank, and it has deposit and loan business, but the key is, why did Huaihuang lend you such a large sum of money. What do you use to guarantee that you will be able to repay the loan when the time comes?

"How long do you plan to borrow and when will you be able to pay it back?" Yi Feng didn't seem to care and asked with a smile. Banks have a loan business.

"It's just a three-year term." Li Jing replied very easily, as if he was not borrowing 500,000 yuan, but just borrowing a bottle of vinegar for such a simple thing.

Gao Mingyue gave the loan interest rate behind the screen: "A three-year loan, the annual interest rate is seven points, the loan is 500,000 yuan, the interest is 105,000 yuan for three years, and the principal and interest are totaling 600,000 and 5,000 yuan after the three-year maturity." According to the regulations of the Northern Bank, a loan of more than 100 yuan needs to be guaranteed by a mortgage, what kind of collateral are you going to take? ”

The deposit and loan business of the Northern Bank is basically the same as that of later generations, with low interest on money deposited and high interest on loans; if 500,000 yuan is deposited for one year, the interest is only 16,500 yuan, but if the loan is 35,000 yuan for one year, the difference between loans is 19,000 yuan. But in general, the interest rate is still low compared to the borrowing at this time. At this time, there are no low-interest loans, so borrow money or find friends to help you. Or you have to borrow usury. Not only did the local wealthy businessmen lend high and low loans, but even the temples also lent usury, and even the army and the government also lent usury. After the founding of the Sui Dynasty. In addition to the Beijing officials, the local yamen officials in various places were not issued by the imperial court's finances, and their salaries and office expenses came from several items, including the public party field and the public party money, of which the public party money was a sum of money that was drawn by the imperial court or retained by the local government. It is used as the capital, and then lends to the private sector every year, and the interest on the loan is used to pay the officials and office expenses. Let's put it bluntly. It was the government that took the lead in lending usury, and it was a decision made by the court and the emperor.

At the beginning, the original intention was that the government would use the money to lend to some people in need, and the interest rate would be slightly lower than that of private loan sharks. And convenient for the people at the same time. The government was also given a sum of money to pay for the salaries of the officials and the cost of their offices. But in fact, the government's money is directly handed over to some local people who specialize in lending money, and they lend money to collect interest, and the government itself only collects profits and does not care about the rest. As a result, in fact, the imperial court's original idea of low interest rates for the convenience of the people was not implemented at all, and loans were not given to those who needed money the most, but to those who paid the highest interest.

The interest rate of the Sui Dynasty at this time was extremely high, and the government had nothing to do about this situation, but issued a document limiting the maximum monthly interest to no more than six cents. Although the profit has been long, it has only doubled in the end. Six cents per month. It refers to 6 percent interest per month, and 72 percent interest per year, which is full of usury. Although the official stipulates that the monthly interest rate shall not exceed six cents, although it has accumulated for a long time, it will eventually not be doubled. But in fact, it is often profitable, and in the end it becomes a donkey rolling. The annual interest rate of Yifeng is seven points, and it will be transferred up and down according to the length of time, but even if the penalty interest is added when it expires, it is stipulated that the maximum interest can only reach the principal amount. At an interest rate of seven points, it would take twenty or thirty years for the interest to reach the same amount as the principal.

The Northern Bank established by Yi Feng is a brand-new business model, integrating various businesses such as mortgage loans, custody of gold stores, and gold and silver exchange at gold stores. At this time, you generally have to pay a handling fee for saving money, Yifeng is the first to save money, there is interest on deposits, the annual interest rate of current is three and a half percent, and the annual interest rate ranges from two points to a maximum of five points on a regular basis. Deposit 10,000 yuan for five years, and withdraw 2,500 yuan after five years. As soon as Yifeng's business was launched, it first aroused great popularity in Huaihuang. In particular, many soldiers and soldiers directly deposited the surplus money in their hands into the bank to eat interest, and for those who were rich, they had a large amount of money in their hands to invest in business, buy land and shops, and even lend usury. But for people who don't have too much money in hand, their past financial management methods are either to hide the money at home, or to use it to give a little interest to those who lend high and low, but they still have to bear the risk of not getting back the capital. However, if you put it here in Yifeng, you can not only have a demand deposit, but also a fixed deposit, a lump sum deposit, a lump sum deposit, or even a deposit and interest, which is convenient and secure. Others may not be at ease when they open a bank, but since this Northern Bank was opened by Yi Shuai, who would not be at ease with the soldiers who are in the wilderness?

The northern money village also operates some non-local withdrawals, guarantees, insurance and other businesses, and now has gathered a large amount of funds in Huaihuang and has abundant capital. At the same time, all kinds of gold and silver rewards issued by Huaihuang are also minted here. Li Jing wanted to borrow 500,000 yuan, which was really not a big business for the Northern Bank. A large number of savers keep their money in zài banks, and they have enough money in their hands to lend money. However, banks also have a risk-averse instinct, and such a loan must be secured as collateral.

As long as there is a secured mortgage, even if Li Jing has no money to repay it at the end of three years, the loan of the Northern Bank will not become a dead and bad debt.

Li Jing's family is rich, and he can't take out hundreds of thousands of yuan himself, but the Li family can still take it out, and even borrow it directly from the Han family. But Li Jing didn't plan to pay the money himself, nor did he plan to let the family vouch for him. Li Jing had his own plans, and he also believed that with his understanding of Yi Feng during this time, his mention should be approved by Yi Feng.

"As long as the Northern Money Village is willing to lend me this money, then I can train those cavalry battalions for the commander." Li Jing said confidently.

"What?" Gao Mingyue's face was full of disbelief, thinking that he had heard it wrong, what kind of guarantee are you guaranteeing and what conditions, are you willing to train cavalry for the Huaihuang Army? With this, you want to exchange for an unsecured loan of 500,000 yuan? Do you think you've got what it takes, and it's worth it?

"This!" Wei Zheng was also dumbfounded by his classmate's unexpected mentions.

Only Yi Feng, after the momentary accident, his eyes immediately revealed a surprise that could not be concealed. Li Jing was willing to train cavalry for himself as collateral for this loan?

Is this possible, of course it is. Is Li Jing's mention valuable, of course there is. Others thought that Li Jing's words were bragging, but only Yi Feng believed in Li Jing very much and felt that Li Jing's mention was extremely valuable. If Li Jing was really willing to help him train cavalry, even if the 500,000 loan really couldn't be recovered, Yi Feng felt that it was worth it.

"Is that true?" Yi Feng hurriedly asked.

"A gentleman's word, the horse is difficult to chase!" Li Jing replied conceitedly. Yi Feng has fierce cavalry and sophisticated equipment, but Li Jing feels that Yi Feng's cavalry is not good enough, if this cavalry is handed over to him for training, he has enough confidence that this cavalry can be reborn and become an elite iron cavalry.

"Hahaha, good, gentleman's words, the horse is difficult to chase. This matter is decided, from today onwards, Brother Yao is the chief instructor of my Wuzhou cavalry, and all cavalry training matters are decided by General Yaoshi. Yi Feng smiled happily.

"What about my loan and war horse equipment?"

"Mingyue immediately asked the bank to go through the formalities and release the loan, and Xuancheng was immediately responsible for the transfer of war horses and armor."

"Hahaha! Yi Shuai is really happy, please rest assured that Li will never pay Yi Shuai's trust, and within three years, a certain person will train an elite iron horse for Yi Shuai. ”

"Three years is too long, seize the day, half a year, at most half a year, I hope to see a few cavalry battalions can have a significant improvement, how about it, are you sure?" Yi Feng looked directly at Li Jing.

Li Jing was slightly surprised, but when he thought that Yi Feng had pulled out the loan so happily, he gritted his teeth and patted his chest and said, "Half a year is half a year, and then we will see the results!" ”

"I believe in you!" Yi Feng smiled very happily. Only Wei Zheng, Gao Mingyue and other civil and military forces were shocked, especially Shan Xiongxin, Qin Qiong, Zhang Jincheng, Wang Fubao and other cavalry generals all glared at Li Jing, feeling that the marshal had been deceived by this guy. They are all real swords and guns, and they have fought many times with Tiele people on horses, but now Yi Shuai has handed over the training power of cavalry to a noble son from Beijing, which is unbelievable!

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