He Zhen listened, hesitated a little, and finally said: "Send the word outside, let them not fight with Ma Rujiang." ”

"What do you mean?" When He Rong heard this, he was a little puzzled, and felt that his father's answer was not right.

However, his younger brother He Gui understood, so he helped his father explain to He Rong: "Ma Rujiang and his brother are the canons of Xiangshan County, not only was the whole family killed by the horse, but also confiscated all his family's fields and property!" ”

As soon as he heard this, He Rong suddenly realized: "That is to say, give Ma Rujiang a chance to take revenge?" ”

But soon, he felt that something was wrong, so he looked at his father and said, "This is not right, the emperor wants us to watch the horses, what if he wants him to take revenge on us?" ”

Just now, his father specially emphasized that this emperor is a master of murder! Don't end up shooting yourself in the foot.

He Zhen listened and explained lightly: "Just with that group of rabble, if you want to capture the county seat, it's a dream." ”

"Yes, but it is not difficult for them to harm those Diao people in Xiangshan County." He Gui was on the side, and explained as he spoke.

As soon as he heard the words of the two of them, He Rong finally understood what was going on, and couldn't help but praise: "Dad, this method is good!" There is no need for us to come forward, people themselves avenge his brother, this is human nature! When the time comes, under the panic of the people, it will be strange that the horse can do well in Xiangshan! ”

Although he was happy, He Zhen's brows furrowed again.

"Dad, what's wrong, are there any more questions?" He Gui noticed something strange first and hurriedly asked.

He Zhen listened, and did not answer immediately, but tapped his fingers on the table, obviously thinking about the problem.

When his sons saw this, they did not speak, leaving their father to think quietly.

After a long while, I heard He Zhen say with a little doubt: "How did I hear that Han Gong doesn't seem to be the kind of open-minded person!" ”

“？？？” When He Rong heard this, a string of question marks suddenly appeared in his head, and he didn't know why his father suddenly talked about it.

He Gui also couldn't figure it out, so he asked, "Dad, what's wrong?" ”

"Look!" He Zhen listened, looked at his sons, and said to them, "This colt suddenly came out, and fought with the prince of Korea for the position of this colt, and finally won." I heard that the prince of South Korea divorced his wife for no reason, just to marry Princess Lin'an. This kind of hatred can be regarded as wife-snatching, it stands to reason that even if the Korean family is a normal person, even if they don't hate this colt, then they must have no good feelings, right? ”

"Of course!" When He Gui heard this, he said without hesitation, "The hatred of taking his wife can't kill him!" ”

"Smack!"

He Zhen slapped the table, pointed at He Gui and said, "Yes, common sense should be like this." Even if he is magnanimous, at most he will not trouble the colt. Then the question arises, why do people in the Korean government come to spread the good of the horse, saying how much the horse is valued by the emperor. If Han Gong does this, won't it be easier for the colt to gain a foothold in Guangdong, and others will not dare to provoke him! ”

Speaking of this, after a pause, he added: "Look at that Yongjiahou, in order to curry favor with the horses, he personally led three thousand cavalry to help!" ”

"Dad, I heard that when ordering the horses, the emperor deliberately ordered Han Gong, saying that he was not a careful person." He Rong was in charge of contacting the Jingshi, so he said to He Zhen, "I also deliberately asked the Han Gong to take the lead in grading the Captain of the Horse!" At that time, the Korean public gave the horse commander the same level as the prince! ”

He Zhen listened and nodded, he had heard about this matter a long time ago. Because of this, he was a little confused.

Judging from these things, Han Gong is not the kind of person who is cautious. Could it be that the rumors are wrong?

After he returned to the Ming Dynasty, he first served in Jiangxi, then was transferred to Shandong, and returned to Guangdong in the middle, but did not stay in Beijing, so he did not have contact with Han Gong.

After thinking for a while, He Zhen finally said: "Perhaps this first hero of the founding of the country knows the emperor best. Therefore, even if you do something, you must do what the emperor wants! ”

Regarding the situation in Xiangshan County, the father and son of the He family finally discussed so much, and then He Gui's side was responsible for adding blockage to the horses.

This point, it is estimated that Zhu Yuanzhang, who gave a secret decree to He Zhen, could not have imagined it in advance.

As for Zhang Yifan's side, of course, it is impossible to be clear.

At this time, he was busy with his new deal.

In the late autumn of the ninth year of Hongwu, the vigorous movement to divide the fields finally came to an end.

Subsequently, Zhang Yifan issued another announcement: All adult men in Xiangshan County have the obligation to serve in the military for a period of three years, and they will serve as soldiers in the newly established Qianhu Institute in Xiangshan County.

In this announcement, he reminded the people of Xiangshan that Ma Ruhai still has remnants, that is, a group of pirates who have not yet been caught. Military service is to defend the country and protect the people of Xiangshan from pirates.

The household register is freshly compiled and more accurate than ever. How many school-age youths are in each square, how many people are in the family, and what the situation is, the county government is clear. The summons was sent out, and the selected people gathered at the county office, and Qi Xiang selected the source of soldiers.

In addition, it was also mentioned in the announcement that those who are not registered in Xiangshan County can also sign up, and if they are admitted to become a sergeant of Xiangshan County, they will be able to obtain the qualification of Xiangshan County citizenship after two years. In other words, I can participate in the next field division.

Zhang Yifan issued this announcement, originally worried that the school-age men with household registration in Xiangshan County might not be enough, so he added a non-Xiangshan County household registration as a supplement.

As a result, I didn't expect that the neighboring Panyu County, on the second day of the announcement, formed a mighty team of young people and rushed to Xiangshan County. Their county orders are the same, and they can't stop them.

The news spread very quickly, because many people hurriedly notified their relatives and friends as soon as they heard the news.

On the third day, the young people from other counties also rushed to Xiangshan County. In particular, tenants and hidden households in other counties want to take this opportunity to get rid of their original identity and become a member of the Xiangshan County nationality.

Of course, the squires who suffered the most were unwilling, and immediately put pressure on the local officials, and then complained to the side of the Guangdong envoy and the capital secretary.

However, Xiangshan County is a special zone, and the horse is the county commander, and neither the political envoy nor the capital department can control it. At most, he went to the emperor to complain. Look what the emperor means!

This back and forth, at least ten days and half a month, may not be possible.

What is unexpected is that the young people in Xiangshan County are so active, and immediately after, the young people in Xiangshan County are also immediately active. The county government enlistment office, Qi Xiang's side quickly recruited about 1,000 people.

This situation was a bit unexpected by Zhang Yifan. He didn't think many people would want to be soldiers. Therefore, he sent a big bull out to inquire.

In less than an hour, Da Niu reported to Zhang Yifan: "Brother Fan, I asked, some of them said that Ma Ruhai's younger brother Ma Rujiang was a pirate outside, and he might really retaliate, so Xiangshan County has its own thousand households, so they can rest assured, so as long as the family allows, they want to be soldiers to protect Xiangshan County." ”

Speaking of this, after he paused, his expression became excited again, and then he said: "Some people also say that seeing so many outsiders signing up, they are unwilling, and after two years, more people will divide the land, and their original Xiangshan people will have less points." Therefore, this person who is a soldier is still the best of them Xiangshan people! ”

"There are also some other reasons, some people say that they have three young people in their family, and the family is allocated two fields is enough, and the rest of this can receive a military salary to subsidize the family, which is also excellent."

“……”

Zhang Yifan listened to Da Niu's words, but he was thinking in his heart.

He came out with this policy, in fact, he wanted to implement the compulsory military service system for the whole people first, so that if the Ming Dynasty continued to expand its territory in the future, he would not worry about the soldiers. However, it is obvious that this notice in Xiangshan County has not aroused the correct attention of the people of Xiangshan County.

It can be said that no one has looked at the fact that all people are obliged to be soldiers, but chose to join the army for other reasons.

Okay, that's it for now. Zhang Yifan is not entangled, although the one-step approach, although the goal is clear, the process may be tortuous. Now that this is the case, it can be said that it is a relatively gentle way to let them have an idea first, and then go back and make it clear.

Thinking so, Zhang Yifan issued the next announcement: hire craftsmen and set up a Xiangshan cement workshop.

Craftsmen were hired to re-establish the Xiangshan Salt Factory. There is a note in this article, and the original salt workers are preferred.

At this time, it was already late autumn, and there was no farm work in Guangdong. Therefore, many people from other counties still stay in Xiangshan County to find opportunities. Especially those who wanted to become soldiers, but did not become soldiers, as soon as they heard these notices issued by the county government, even if there was no one for household registration to move in, as long as there was money to be made, they immediately signed up.

The vigorous new deal in Xiangshan County is like a magnet that attracts people from surrounding counties to come to Xiangshan County to find opportunities.

Xiangshan County, which was originally remote, became lively all of a sudden.

So, the two pieces of food and lodging slowly became popular first. Some people with a little bit of brains saw an opportunity and began to buy and sell these people.

At this time, the county order issued another announcement: the establishment of Xiangshan County Qianzhuang.

This is another new thing, which immediately sparked a discussion among everyone.

"Have you heard? The master of the horse has a new trick, this time it is the most novel! ”

"What a novelty, let's hear it!"

"Master Ma set up a money bank, saying that he deposited money in the bank, not only did he not charge a storage fee, but also gave you money, which is equivalent to the money borrowed by the money bank and gave interest. If you save a lot of money, you can get an extra 50 yuan a year! ”

"What, is this true? What does the horse master think, and this loss-making business is also done? ”

"Is there no money for the horse? Impossible, right? ”

"Also, there are people in Xiangshan County who can borrow money from this bank, but the interest rate is definitely not high. In the past, Ma Ruhai borrowed money, borrowed consistent money, and had to repay the money twice a year. However, the money bank of the horse master borrows the same money, and the interest to be repaid in a year is only one hundred and fifty yuan! ”

"Really? And this good thing? ”

“……”

The real development of Qianzhuang will not be until the end of the Ming Dynasty and the beginning of the Qing Dynasty. However, if you trace it back, it began to exist in the Tang and Song dynasties, and it was called a cabinet workshop. However, the business of this cabinet is to keep gold and silver property on behalf of merchants, collect a certain rent, and when merchants need to use it, they can withdraw it with a post (equivalent to a check) or a token. It is completely different from the money bank of later generations.

Of course, if it was just lending, it had existed in China for a long time. However, in ancient times, many of the annual interest rates on loans were 100 percent, and even the government has done such things.

For example, during the Sui and Tang dynasties, the imperial court set up a special fund called "public party capital" for official loans, and its function was somewhat similar to that of banks in later generations. The capital of the public office is managed by the state decrees, and the capital is loaned 50,000 yuan, and the interest is charged 4,000 wen per month, with an annual interest rate of about 100%.

Until Wang Anshi of the Northern Song Dynasty changed the law, he came up with a green seedling method, which was a five-month loan time, and the interest was 20%, which was 48% of the annual interest.

It stands to reason that this interest rate is much lower than before. However, the officials who can't stand the execution below are all kinds of messes, such as forcibly lending, and you have to borrow if you don't have this demand; Also, you will be given various handling fees and so on.

The reason why this is so is because this lending is counted in the political performance. Eventually, it led to a chaotic situation in lending, and finally forced to stop the implementation of the "Green Seedlings Law".

However, Zhang Yifan's money bank is completely different.

First of all, it will definitely not be forced, and the people of Xiangshan County are voluntary whether they borrow or borrow.

Second, the annual interest rate on deposits is 5%, and the annual interest rate on borrowings is 15%. Among them, in ancient times, there was no interest on deposits, but custody fees; And the interest on the loan is also the lowest in history.

Zhang Yifan, a money bank, also benefited from the big fat man Ma Ruhai. Because the release of this money bank is definitely harming Haoqiang's interests, which Haoqiang does not want to see. It just so happened that the heroes of Xiangshan County were wiped out by Zhang Yifan.

The principal of this money bank is the 10,000 yuan that Zhu Yuanzhang gave to Zhang Yifan before leaving.

However, after the establishment of the bank, there were many people who asked how to borrow money, but no one cared about saving money.

Ordinary people, the family does not have much money. Even if the prestige of the county order was high at this time, there was still no one to save money.

This situation made Zhu Jingjing, who was in charge of the affairs of the bank, said with some worry: "Brother Fan, if it goes on like this, the money in our money bank will become less and less, and maybe there will be no money to borrow in the end!" ”

At the beginning of the design idea, Zhang Yifan of course said to Zhu Jingjing that changing the custody fee to interest is to attract money in the hands of the people, so that the money bank can earn this interest difference.

But now, if you only borrow but don't save, there is no way to talk about borrowing money to make money.

Zhang Yifan thought for a while, and then said to Zhu Jingjing: "In this way, in the future, the expenses of the county government, including everyone's money, will go to the bank." Open an account for them, let them go to the bank to get the money, if they don't receive it, they will be stored in the bank. As long as there is an example, there will be more people who save money in the future. ”

Speaking of this, he thought for a while and said: "There is another current interest in the bank, which can be withdrawn at any time after saving, and the annual interest rate is 1%, and there is no penny if it is not enough." ”

In this way, it is necessary to save 36 and 500 wen to the bank, so that you can have an extra penny every day. or save two hundred dollars consistently, and only one penny a month;

However, after the Ma Ruhai gang was wiped out in Xiangshan County, the rest were just ordinary people. There are thirty-six that can be saved, but it is estimated that there is not one.

However, the people of Xiangshan County can save for a fixed time, as long as 20 yuan is saved for a year, they can have an extra penny, which is more, and there is a monthly part-time income.

Zhang Yifan's county order started, opened and closed, and all kinds of new policies came out together, which really cost money like water. From this point of view, I have to thank the big fat man again.

If there is no money from him, the county government has no money, and he has to post the money upside down, so Zhang Yifan can only walk step by step.

But now it's different, it's equivalent to the big fat man who has stripped Xiangshan County of his money for so many years, and it has become Zhang Yifan's confidence.

No, in the blink of an eye, he issued a new notice, which caused a sensation again.

"Master Horse has made a new move, this time it's a great act of kindness!"

"Tell me quickly, what did the master of the horse do?"

"The master of the horse issued a notice saying that he would take out 1,000 yuan to hold a literacy competition for three consecutive days starting from the 27th day of the Lunar New Year. As long as it is the people of Xiangshan, they can participate. "Thousand Words" knows, extract words from it to test you, as long as you can read it, you will be rewarded with a penny. Everyone only has one chance, and as many words as they read, they will be rewarded with as much money! ”

"Wow, then if I know everything, wouldn't I be able to get the same money for nothing during the New Year?"

"That's not true, but there is a premise, that is, you must be able to write your own name!"

"That's no problem, this is good, then you have to hurry up and recognize the thousand-word text!"

"Who knows a thousand words, you have to find someone to teach you quickly!"

"It's okay, Master Ma also said that each workshop will send someone over to teach thousand-character Chinese at a fixed time."

"By the way, Master Ma also said that as long as you are registered in Xiangshan County, you can participate, regardless of men, women and children! I think it's best for a family to buy a copy, and the whole family will recognize it together, and then maybe there will be a lot of money to receive during the New Year. Even if it doesn't take your turn then, isn't that also a way to learn yourself! ”

"Yes, yes, that's it!"

"Master Horse is really good, he actually took out a thousand yuan to do this! Living Bodhisattva! ”

“……”

The officials and wardens of the county government are almost all the words that Xiangshan County knows. They were assigned by Zhang Yifan to eleven fangdu, and taught thousand-character Chinese at a fixed time every day. It is not required to explain the meaning of the word, but only to be able to make the common people know the word and be able to read it.

These people will also carry the "Thousand Character Text" that has been urgently printed, and sell it at a price of one penny more, and the extra penny will go to these officials and wardens who sell books, and it will be regarded as the hard work of teaching.

For these officials and wardens, there is also an incentive, that is, in the end, which person is responsible for the area with the most literacy rewards, they have the corresponding rank of ten, five and consistent money.