The gentry also knew that the key to whether this bank was established was whether Shen Youlong could take out a loan, and whether Shen Youlong took out a loan or not depended on how to discuss military training with Li Zhaoji, so they were no longer so anxious.

"Shopkeeper Li, the old man has a small courtyard in the south of the city, which is very quiet, if you don't dislike it, you can live there during your stay in Guangzhou." One of the gentry said with a smile.

The other person hurriedly shook his head: "It's not good, the south of the city is quiet, but it is also inconvenient to live, the shopkeeper Li has a lot of entourage, and there are knives and guns with him, in order not to cause trouble, go to my Zhuangzi in the north of the city to live, the place is large and spacious, and the horse of the shopkeeper Li can also be walked." ”

Li Zhaoji knew that these people wanted to get some benefits in private here, he shook his head slightly, and said: "The kindness of all the masters, I have received it in my heart, this Hongbin Building is not bad, there are guest rooms in the backyard, and the stable feed is complete."

I can't stay long in Guangzhou, so I live in Hongbin Building. ”

Lin Weiyuan bowed slightly, and said: "The guest rooms have been prepared, there are no foreign guests, and it is most suitable to entertain Shopkeeper Li and his party." ”

When the gentry heard this, they felt remorseful, and Lin Weiyuan had already prepared it, in order to please Li Zhaoji, they directly bought Hongbin Building, which was originally thought to be too important, but now it seems that it is prescient.

Den.

Shen Youlong paced back and forth in the room with his hands behind his back, the tea on the table was already cold, and the paper was blown on the ground by the night wind, but he didn't pay attention, at this time his heart was all used to think about borrowing money to train soldiers, so that a shoe was missing, and he didn't feel it.

Zhao Wenji came in and saw Shen Youlong's hair scattered, looking like crazy, but his face was solemn, obviously he didn't sleep all night last night.

"Dong Weng, be careful about the cold." Zhao Wenji put on a robe for Shen Youlong and helped him sit down, while Song Bao hurriedly sent hot soup.

Shen Youlong sighed, slapped his stiff thighs, and said, "This Li Zhaoji, his mouth is full of strange theories, and his mind is full of shocking schemes. Just borrowing money to train soldiers is something that the old man can't even think of if he wants to break his head.

You said that he discussed this matter with Chen Zizhuang a year ago, does that mean that he expected these things a year ago? ”

Asking this question, Shen Youlong shook his head slightly: "Why did I ask you like this to make you embarrassed, you are not Li Zhaoji, how do you know?" ”

Zhao Wenji said: "Dong Weng's words are bad, and the students just know it. ”

"How do you know?"

Because after the dismissal yesterday, Li Zhaoji specially left the students to dissect his heart. According to him, he did have a plan for a long time to set up a bank and use customs taxes as collateral, but time has changed, and the situation today is very different from what he thought a year ago.

A year ago, he thought that the Governor was going to be his enemy, so he thought of the idea of establishing a bank, contacting the gentry, and forming a ......... Zhao Wenji hesitated for a moment and continued: "Yes, the formation of interest groups, that is, people with common interests.

Liaising with the gentry to Nagasaki and Nanyang for trade was also for this purpose.

As for the tariff as a mortgage loan, it was thought of after making a plan with the adults to suppress the thieves. At the beginning, he didn't ask the court to borrow, but he personally wanted to borrow. ”

Shen Youlong bowed slightly, and said: "He has gold and silver mountains overseas, what do you want to borrow?" ”

Zhao Wenji said: "Although he didn't say it, students can guess one or two, which is very different."

First, if you raise funds in the short term, the gold and silver mountains are rich, but the gold and silver you get every year are limited. For example, if you train in the army, you will get 50,000 taels a year within 10 years, and if you transfer the money from 10 years ago in the first year, even if it is only 300,000 taels, the latter is more conducive to the overall situation.

The second is for the interest group.

Dong Weng knew that since Li Zhaoji had Sado Treasure Island, many gentry and merchants wanted to go to Sado to breed and prosper, and some even tried to charter a gold and silver mountain to pay taxes to Li Zhaoji. ”

Shen Youlong shook his head slightly: "This old man hasn't heard of it, but he can guess it." ”

"Yes, but Lee didn't agree, saying that Sado's situation was unstable, but he actually didn't want outsiders to interfere with his core. But Li Zhaoji wanted to cooperate with the gentry, so that the gentry could benefit from his expansion.

And this is precisely the difference between a bank and a bank, the bank regards the loan to a certain person and a certain industry as an investment in the person's industry, just like the shareholders, and it is necessary to cooperate for a long time.

This is the case with Lee's plan: once the bank is established, he himself will be able to borrow money from the bank and then expand to the outside world, so that the bank's shareholders and owners of funds will be rewarded by paying interest to the bank.

Those who get a return are more willing to lend money to Li Zhaoji for expansion, so that the gentry make money, and Li Zhaoji borrows chickens to lay eggs, and the two sides have common interests, and they advance and retreat together in some affairs. Zhao Wenji said with a complicated expression.

Shen Youlong sighed: "Yes, the old man is also able to break this joint."

When the bank was established and Li Zhaoji took out a loan, he could no longer move this person. One day, the imperial court wanted to deal with Li Zhaoji, and the gentry were the first to disagree and arrest Li Zhaoji, who would pay them back? ”

Zhao Wenji stretched out his hands: "But this is a dignified conspiracy, as long as the Governor and Mr. Chen want to train to save the country, then they can only advance according to Li Zhaoji's thoughts." ”

"Master, General Chen Ping is here and has been waiting outside for a while." Songbao came in to clean up the dishes and chopsticks and whispered.

Shen Youlong directly knocked Song Bao's head with chopsticks: "You foolish thing, is it that Chen Ping didn't give you money, you deliberately let him wait at the outer door, and when the old man finishes eating, you will report it." ”

"The little one is that I want the old man to use something, and I haven't slept all night, and the old man ........" This speaks to Songbao's thoughts, but where will he admit it.

"Confused things, dare to speak out, in the future, General Chen will come, and he will report immediately. Go, bring General Chen. Shen Youlong scolded.

Chen Ping came in, crossed his hands and saluted, Shen Youlong talked to him, chatted a few gossips, and asked him about his newlywed life, and Chen Ping answered them one by one.

Shen Youlong joked a few words with him, and then got to the point, and said: "Chen Ping, the battalion you brought has also been stationed in Hong Kong for half a month, how do you get along with the Dongfan soldiers." ”

Chen Ping said: "Fortunately, they didn't dare to make a mistake, and Yang Yandi, who led the troops, treated the two armies equally, and allocated barracks, and food was also a standard." In the past five days, the battalions of the two sides have also practiced together, and the gunners under their command have also been put into practice. ”

"Oh, really?" Zhao Wenji exclaimed.

Shen Youlong was puzzled: "What's wrong, Mr. Zhao, is there something wrong?" ”

Zhao Wenji said: "The students have heard some interesting anecdotes that the field guns in the Dongfan Army are cast with fine copper, and the gun carriages are carefully designed with the participation of Li Zhaoji. It was very expensive, Li Zhaoji called her a spicy girl, and bought more than 100 mules and horses to belong to the artillerymen.

Heck, it is not an exaggeration to say that this field artillery is Li Zhaoji's heart. It's a little strange how he lets you use it. ”

Chen Ping said: "What Mr. Zhao said is that he also discovered that the field artillery of the Dongfan Artillery is light, powerful, and fast, and very good. And it hits very accurately, shaped like a Hongyi cannon, better than a Hongyi cannon. It is really a first-class military weapon, and I thought to myself, the method of manufacturing and using this kind of artillery, our master Wang Shi has mastered it, and it will be of great use in the future.

But this cannon is extremely expensive, how to get it, the humble position is not capable, but the humble position thinks, as long as the governor knows the power of this field artillery, he will definitely find a way to fight for our Guangdong army. But if the Governor bothered to win it, we would not use it, it was a great sin, and if we did not use it well, it would be unforgivable.

Therefore, the lowly duty is bent on letting the artillery under his command learn to use it. But Yang Yandi didn't allow it, so he thought of a way to exchange it with him. ”

"What did you get in exchange?" Shen Youlong asked with a smile, he was very satisfied with Chen Ping.

Chen Ping said: "Cavalry. ”

Shen Youlong's face changed slightly: "You changed the method of manipulating artillery with cavalry?" You know how precious cavalry is! ”

Chen Ping hurriedly knelt on the ground: "Your Excellency the Governor, the humble position was not exchanged for the cavalry itself, but for the cavalry to assist in its training. ”

"What do you mean?"

Chen Ping said: "The main force of the Dongfan Army, called the Tamsui Battalion, was formed in the Dongfan Army, with a scale of about 500 people, and it is said that Li Zhaoji will expand its scale. This army has sharp guns and excellent armor. He fought against the Japanese army, the barbarians, and the Great Luzonians.

But there were no cavalry among the enemies against them, and there was no cavalry in their headquarters. In order to train the Tamsui battalion to deal with the cavalry, when he was in the east, he saw them use war elephants to attack the large array of the Tamsui battalion.

Yang Yandi proposed that the cavalry of our department should cooperate with its Tamsui battalion, not only to practice the method of coordination of advancing and retreating together, but also to let our cavalry pretend to be enemy cavalry and practice confrontation, reconnaissance and other subjects. ”

"Well, it doesn't look like you're lazy, so you offered to swap them?" Shen Youlong was extremely pleased, and said warmly.

Chen Ping said, "Yes, my lord." Then Yang Yandi practiced the military formation, and he was not afraid of spending money if he really worked hard, so he said that the infantry should be drilled to resist the cavalry charging into battle, and the Tamsui battalion conducted a live-ammunition exercise, just taking out the lead bullets and only firing gunpowder, so as to avoid accidentally injuring our cavalry.

My lord, you think, what a rare opportunity this is, he wants to learn to deal with cavalry, why don't the cavalry of my royal division need war horses and soldiers to adapt to the sound of guns and cannons?

This is in the interest of both parties, so the lowly office agreed. ”

Shen Youlong stroked his beard with his head: "Okay, use the capital of Dongfan to train my king to ride well." General Chen did a good job, the old man really didn't misunderstand you. To tell the truth, during this time, you were in Hong Kong, and the old man was afraid that you would suffer a loss from the Dongfan Army, and now it seems that you not only suffered a loss, but also made a real profit.

Very good, very good. ”

Chen Ping thanked Shen Youlong for his praise, got up and said: "It's just that there is one thing that is not clear about the humble position, and I am also suspicious, and it is really difficult to feel at ease if I don't tell the governor." ”

"Songbao, move a chair and let General Chen sit down and talk and watch tea." Shen Youlong said.

Chen Ping sat on the chair, but did not move the teacup, and said: "I have asked the Dongfan soldiers about the humble position, and the enemies they face are mostly Japanese soldiers and barbarians, and there are no cavalry. Needless to say, there are no horses and mules on Dongfan Island, and the war horses of the Japanese kingdom are said to be taller than donkeys, and they are also useless.

And when I asked the merchant again, he said that Hongmaoyi and Great Luzon used troops in Nanyang, although there were horses, but they were all ridden by officers and generals, not cavalry.

In this way, the enemy of the Eastern Fan Army has no cavalry, so why should they train their soldiers to deal with cavalry? ”

Shen Youlong and Zhao Wenji didn't look worried, Zhao Wenji asked: "General Chen, can you pay attention to the training of the Tamsui battalion to deal with cavalry?" ”

"Very seriously. Sir, how precious is gunpowder, how much does it cost to fire hundreds of guns in the Tamsui battalion? And they practiced a variety of formations. Sometimes a battalion formed a quadrangle, sometimes it was divided into two quadrangle.

Sometimes the column turns into a horizontal formation, and then changes into a quadrangular formation. We also let our cavalry, group charge and small group charge be carried out separately, and they dealt with them separately.

After agreeing to the exchange of self-esteem, as long as they practice every day, it must be related to the cavalry, that is, they do not let the cavalry of the royal division participate, that is, they also practice to deal with the phalanx by themselves. ”

Shen Youlong and Zhao Wenji glanced at each other and nodded with a look of relief.

"Your Excellency the Governor, is this a good thing or a bad thing?" Chen Ping asked.

Shen Youlong smiled: "It's a good thing, it seems that Li Zhaoji does have the heart to support the imperial court and fight north." ”

"yes, yes, it's rare to be so serious."

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