The monarchs and ministers talked all night, mainly because Fang Yizhi was talking and Chongzhen was listening carefully.

Fang Yizhi talked about the livelihood and hardships of the people at the bottom, and described that their survival was not easy, and they suffered endless oppression and suffering, while the officials, gentry, and noble class became more and more arrogant and perverted the law day by day, and there were no people in their eyes.

It is like the end of the cyclical law of a dynasty, that is, the interests of the people are destroyed and trampled on.

If this phenomenon is allowed to worsen, sooner or later the imperial court will lose the true support of the people, and even if the rogue bandits in this area are exterminated, another place will erupt, and there will be no peace.

Chongzhen's face was solemn, he nodded, and promised to take action to crack down on the lawlessness of oppressing the people, improve the people's livelihood, reduce the burden of the people, and never let the reincarnation of the cycle of rise and fall happen to Daming.

Fang Yizhi told some good news, which gave Chongzhen great encouragement and confidence.

That is, the royal farm model is successful, can be promoted on a large scale, can give the majority of the people at the bottom a way to live, and solve the problems of the imperial court's weak control over the grassroots, the shortage of food in the Ming Dynasty, and the difficulty of resisting natural disasters.

Although compared to the collective manor of Xujiazhuang, Fang Yizhi's royal farm is a beggar's version of the configuration.

However, improved seeds + pesticides + farm fertilizer + pumping machine can also achieve a grain yield of 800 catties per mu, and the cost is barely bearable.

It really doesn't work, in the absence of pesticides and pumps, you can try to build a royal farm that only grows drought-tolerant potatoes + sweet potatoes + corn, and then raise some pigs, cattle and sheep, which can further save costs.

So!

The problem of food was solved, and the people had a bite to eat.

The problem of displaced people was also solved, and a royal farm could accommodate up to 10,000 displaced people.

The problem of land is simpler, many areas of Shanxi, Shaanxi and Henan, due to natural disasters, wars and other reasons, ten rooms and nine empty, no rooster crow for hundreds of miles, countless land can be developed and utilized, and there is no problem in building hundreds of royal farms.

If there is a shortage of land in the future, it can also be expanded to Saiwai, Liaodong and other regions, which can not only consolidate the rule of these areas and build a fortress-style royal farm, but also consolidate national defense and play the role of pioneers, thereby increasing the living space of the people of the Ming Dynasty.

All in all.

As long as the people are given a way to live, as long as they are organized, as long as they are ensured to live with dignity and are not easily oppressed by the powerful, they can burst out of their own huge energy, and they can get self-sufficient royal farms without paying much cost of management and rule, and they can also export food and resources to the outside world.

1000 seats.

Such a royal farm, as long as there are 1,000, can make the Ming Dynasty have enough food, money, and soldiers, and let the emperor have the confidence and strength to solve all problems.

According to his own exploration and practice, Fang Yizhi believes that as long as he can get the full support of the emperor, five years, at most, he can turn this 'three-legged' into reality.

"Yes, yes, wonderful!"

Zhu Youzhen's blood boiled, he stood up and was excited, and immediately said that he would fully support Fang Yizhi, and also give him Shang Fang's sword to get the right to act cheaply, so as to better and faster achieve 'sufficient food, sufficient money, and sufficient soldiers'.

For such trust, Fang Yizhi bowed his hand and said, "Your Majesty." ”

talked about the current Liukou who Chongzhen couldn't bear it anymore and was ready to be completely exterminated, when he learned that there was a shortage of money and food, and there was still a shortage of 3 million.

Fang Yizhi, who also has a deep understanding of the war, said: "Your Majesty, the minister has been in Xujiazhuang for more than a year, and I was fortunate to participate in and understand the 'salt merchant rebellion' that broke out between Xujiazhuang and the salt merchants in the south of the Yangtze River as a staff member, and I know that the war is about money and grain, and this salt merchant rebellion that lasted less than three days, the salt merchant side only had more than 13,000 troops, but Xujiazhuang, who won easily, spent 300,000 silver dollars on silver alone, plus the cost of armor and weapons logistics, at least more than 1 million. ”

"Your Majesty, a war in just three days, with no more than 10,000 troops, spent millions of silver dollars, and ravaged the rogues in Shanxi, Shaanxi and Henan and other places, the number was at least two or three hundred thousand, plus the people they coerced, I am afraid that in more than one million, the imperial court will spend a year to encircle and suppress, dispatch 200,000 elite troops, and only 10 million dollars and food, how can it be stopped? Either the encirclement and suppression fail, or it drags on for a long time, which is destined to be both results. ”

"This ......"

Zhu Youzhen shook his head: "I can't beat 10 million, Aiqing, how do you say to fight?" ”

"According to Xujiazhuang's war formula, a soldier in the wartime state, a month to earn a month can only get a year of food, will be invincible, there is no fear of war, only desire, I lower the standard of the imperial army, according to a month to earn three months of silver, The monthly salary of the imperial court soldiers is about 3.5 taels, multiplied by three, that is, ten taels a month, and then ten months of high-intensity continuous combat, at least one hundred taels must be obtained, and the 200,000 troops of the imperial court, if you want to achieve complete victory, you must prepare 20 million yuan of money and food. ”

"Twenty million?"

Chongzhen's eyes widened, coughing again and again, where could he get so much money, even ten million is three million! But what Fang Yizhi said is not unreasonable, several examples of Xujiazhuang's complete victories are also there, and Xujiazhuang's war style seems to be extremely money-burning, but it often ends the battle in a few days or ten days, and the money spent in the end is not necessarily more than the money spent on the grinding method.

That is, as long as the budget of 20 million dollars and grain is spent to prepare for war, victory will definitely be achieved.

If you can prepare 20 million yuan of money and grain in advance, and then attack with convection and thunder, and shorten the war that was originally going to be fought for one year to 10 months, half a year, or three months, then the more time you save, the more money and food you will save, and there will even be a situation where you can prepare 20 million money and grain, but only 10 million yuan will actually be spent.

This is essentially different from only preparing 10 million in the early stage, and then increasing to 20 million again and again, the former is a war of the rich, and the latter is a war of the poor, but after the war, the rich do not necessarily spend more than the poor.

Enlightened.

Hearing this, Chongzhen was like an empowerment, and suddenly realized, he finally understood, why in the face of Jiannu, the reason why the Ming Dynasty has been defeated repeatedly, the Ming has been fighting the war of the poor, although the money and food are not spent, but it cannot form an absolute advantage, and the seemingly poor Jiannu almost every time is desperate, betting all the chips, forming a richer situation on the battlefield, so as to win again and again.

"I can't repeat the mistakes of the past, I also have to fight the war of the rich, and destroy the Liukou, Jiannu, and Xujiazhuang!"

Zhu Youzhen clenched his fists and said.

"Your Majesty doesn't have to be so hostile to Xujiazhuang, Xujiazhuang has helped Daming a lot, and it complements Your Majesty, Xujiazhuang is a friend rather than an enemy." Fang Yizhi said helplessly, not understanding why the emperor was so hostile to Xu Jiazhuang.

"Ahem, it's me who lost my words, Aiqing, can you contact Xujiazhuang on your behalf, I want to borrow money from them, this time, I want to borrow a large amount of money, borrow 13 million silver dollars!"

Zhu Youzhen first admitted his mistake, and then said his purpose and asked Xu Jiazhuang to borrow money.

After all, I have already borrowed it twice, and borrowing it again is a familiar operation.

And this time, Zhu Youjian was very bold, and he opened his mouth to borrow 13 million, which was 10 million more than the sum of the two loans.

On the one hand, as long as he can completely eliminate the rogue, even if it is a huge amount of money and food of 20 million, he will raise it and then smash it all.

Secondly, he also moved a clever careful thought, that is, to find Xu Jiazhuang to borrow more money, the more you borrow, the better, according to the theory of the master who owes the debt, as long as the more you owe, the more Xu Jiazhuang will not do anything to Daming, in order to recover these loans, maybe you have to fully support the court to fight the rogues, and you will not make trouble behind your back.

That is, borrowing money from Xujiazhuang not only solves the problem of military spending, but also prevents Xujiazhuang from acting rashly, which can be described as killing two birds with one stone.

For Chongzhen's scheming and calculation, I'm afraid everyone will praise his clever cleverness.

"Okay, the minister will help contact you right away!"

Fang Yizhi nodded.

……

The next day.

The Imperial Palace, the East Warm Pavilion of the Palace of Nourishing Heart.

Knowing that Emperor Chongzhen had a new demand for loans, Qi Chunnian, the commercial representative of Xujiazhuang, was authorized to negotiate, entered the palace once, and appeared in front of Zhu Youzhen and Fang Yizhi.

Looking at Qi Chunnian, who was dressed up in a cockscomb-like short hair and a buttoned windbreaker + jeans + leather boots, Zhu Youzhen used to have an awkward feeling every time he looked at it, and his perception of this person dropped greatly, but now he thinks that Chongzhen, who may have a large amount of money in Xujiazhuang, chooses to ignore these side details, and even feels a lot more pleasing to the eye.

After a few greetings, I got to the point, when Zhu Youzhen proposed to borrow 13 million, hoping to continue to be interest-free.

"Yes."

Qi Chunnian, who was sitting on the soft chair, put down Erlang's legs, nodded and said, "Xu Jiazhuang can borrow this money, and it can also be interest-free, but there are three conditions. ”

"On what terms?" Zhu Youzhen hurriedly asked.

"First, allow Xujiazhuang to set up Tianxiatong Bank branches in various parts of Daming; Second, the imperial court will introduce a "Friendship Law to Xujiazhuang", and in the future, the royal officials of the Ming Dynasty, the noble vassal kings, must be friendly to Xujiazhuang, once anyone has unfriendly hostile behavior, Xujiazhuang has unlimited right to fight back, and the court shall not be held accountable; Third, the officials and officials in the Yangzhou Prefecture, Xu Jiazhuang also have the right to impeach, recall, and arrest for crimes, and they must abide by the laws of the imperial court and the rules of Xu Jiazhuang at the same time. ”

Qi Chunnian just finished speaking.

"No, I can't say yes!"

Chongzhenqi's eyes widened, and his chest rose and fell violently, what are you doing, what are you doing?! He just wants Xujiazhuang's money, Xujiazhuang actually wants to slap the face of the imperial court, and he also wants to meddle in the governance of Yangzhou Mansion, which is no longer a kick on the nose, but to turn the sky upside down.

Once these articles are agreed, it is certain that the ministers will oppose them desperately, and the hearts of the people in the world will also be shaken, and countless people will raise criticisms, which will seriously hit the prestige of the imperial court.

Poison, this is a poison that will definitely kill you if you swallow it.

"Your Majesty, don't be angry, Xujiazhuang has always been a businessman's style, the conditions must be bigger, but you can talk about it slowly little by little, the purpose of Xujiazhuang is that as long as it is not unprofitable, anything can be discussed." The surging road of the spring year.

"Your Majesty, I'll talk to him."

Fang Yizhi was angry, and Chongzhen, who wanted to leave with his hands, said in his ear and asked: "May I ask what is Tianxiatong Bank, and this condition is ranked first, is it very important?" ”

"Tianxiatong Bank is a unique financial institution in Xujiazhuang, with functions similar to those of Qianzhuang, but with many differences......

It took half an hour, Qi Chunnian introduced the specific functions of the Tianxia Tong Bank, the purpose of the establishment, and the benefits, and talked in simple terms, very detailed, all kinds of magical business and the function of connecting the world and networking synchronization, even Chongzhen listened to it fascinated, especially when he learned that at the military level, the use of remote access and long-distance transfer functions, there is no need to transport money and grain for thousands of miles, as long as the money is withdrawn at the nearest bank outlet, which can greatly reduce the loss rate of money and grain transportation.

It is really an artifact for the benefit of the country and the people.

Chongzhen wants to directly 'borrow' this idea and establish a Daming Bank all over the country, but how can the imperial court have the technical strength in this regard, Xu Jiazhuang can turn the Tianxia Tong Bank into reality, and the imperial court can only be regarded as a fantasy, and there is no possibility of realization, even if it contains countless benefits, it can only be watched and drooled.

The two sides talked for more than two hours.

Zhu Youzhen asked Qi Chunnian, three conditions, can you only agree to the first one, in addition, the world is connected to the bank, the imperial court will account for half of the shares, and then it will get the full support of the imperial court, and at the same time, it will also lend 13 million to the imperial court without interest, can Xu Jiazhuang agree.

"No, Xujiazhuang's money is not blown by the wind, and 13 million is not a decimal number! Tianxia Tong Bank, we want to set it up, the imperial court accounts for fifty percent of the shares, take out 1 billion taels of silver, no money to talk about! In addition, a friendly business environment is a must for Xujiazhuang, not a dispensable thing. Finally, in the territory of Yangzhou Prefecture, there are many corrupt officials and corrupt officials, who have repeatedly infringed on the people who have a cooperative relationship with Xujiazhuang, and the interests of these people must be protected...... We can't make the slightest concession. ”

Qi Chun Nian Road.

Chongzhen's face was ugly, and he left the Dongnuan Pavilion with his back hand, and the first negotiation failed.

But under Fang Yizhi's mediation and mediation, the money still has to be borrowed after all, otherwise nothing big can be done, or even if it is done, it may fall short.

So we talked for two more days.

Finally, on September 28, the final "Loan Agreement" was reached, which mainly contained the following articles:

First, Zhu Youzhen, in the name of the emperor, borrowed 3 million silver dollars from Xujiazhuang at an annual interest rate of 2%.

Second, Xu Jiazhuang was allowed to set up branches of Tianxiatong Bank in 38 large cities in the Ming Dynasty, including Beijing, Tianjin, Nanjing, Hangzhou, Chengdu, and Guangzhou, and allowed the deployment of security forces, and the operation of banks was tax-free, and the government was not allowed to disturb and extort money, and was protected by the endorsement of the imperial power.

Third, in return, in return, the royal family's deposits in Tianxiatong Bank will enjoy 5% interest dividends, that is, as long as 1.2 million silver dollars are deposited, the interest on the loan of 3 million can be offset, giving Chongzhen a hope of reducing interest and repaying the money quickly.

Fourth, in Yangzhou Mansion, Xu Jiazhuang has the right to report and impeach officials who are angry and corrupt and pervert the law, but they can only be impeached privately by Qi Chunnian, and they cannot be made to the court.

Fifth, Chongzhen will send a eunuch to Xujiazhuang Harbor City, as a permanent liaison representative, with the same status as Qi Chunnian, to prevent contradictions and miscalculations between the two sides.

Smack.

On the "Loan Agreement" in duplicate, signed the name Zhu Youzhen and stamped with the jade seal, this time, Chongzhen actually did not have a strong feeling of losing power and humiliating the country, after all, this is the second time, he may have been a little used to it, and even felt that he did not suffer any big losses, and in the future, he may be able to pass some loopholes and get the wool of Xujiazhuang.

But the more fortunate he is, the more Chongzhen feels very uncomfortable and sad, what's going on, in the era of Emperor Taizu, businessmen like Xujiazhuang are cut if they want to, kill if they want to, no need to find any excuses, now to him, not only to take Xujiazhuang helplessly, but also to fight with Xujiazhuang, give up one right after another, and even shamelessly, feel that he has taken advantage of the businessman, God, as a descendant of Taizu, he actually fell into such a situation, unfilial son Zhu Youzhen is guilty, but for the sake of Daming, He can only endure the humiliation, I believe that one day, he will be able to get back the power of Taizu, and then the small Xu Jiazhuang, hehe......

Zhu Youzhen thought of Xu Jiazhuang kneeling down and surrendering, obediently giving away all his property, but he was still ordered to be beheaded, and he actually had the pleasure of raising his eyebrows in his heart.

He decided that in order to realize this scene in his mind, he would continue to work hard and never give up!