Regarding agricultural yields, Wang Buxian also had doubts.

But after understanding it in detail, I realized that this was the norm in ancient times.

Even as an emperor, there is not much he can do.

The only thing that can be done now is to improve agricultural tools and correspondingly increase farming efficiency.

Improve farming methods, changing from spring plowing and autumn harvesting to two seasons a year, which will directly increase the overall yield.

Develop mules to solve the serious shortage of cattle.

Farming cattle have been protected throughout the ages, but to be honest, the efficiency of farming cattle is not very high.

One cow can only plow about three or four acres of land in one day. This is a good-looking farm cow. On weekdays, if the cows are not well cared for, they will not be able to plow so much land.

In order to cultivate more land, humans and animals usually work together.

The cow is not allowed to pull the plow alone. It is roughly used by one cow as two people. When there are few people, it is paired with two people to pull the plow. When there are many people, more cows are used, so that the cow can be relatively saved.

With more strength, the amount that can be farmed in a day will be more.

But no matter what, there is no way to compare with future generations.

And why are livestock irreplaceable in farming?

the reason is simple.

After all, human power is limited. Intensive farming requires deep plowing, but human power is often unable to do deep plowing.

It refers to the depth of plowing. A human-pulled plow is basically just below the surface. It can penetrate about one or twenty centimeters into the ground at most. Any deeper than that, it will be particularly difficult.

Livestock can be drilled to a depth of less than 30 centimeters. Don’t underestimate these depths, which have a direct impact on production.

For this reason alone, ancient times cannot be compared with later generations.

Once upon a time, Wang Buxu also imagined that he would be able to get 1,800 tractors or something, which would go directly to the fields and plow hundreds of acres of land in a day without any problem.

It's a pity that all this can only be a fantasy.

The weather is gradually getting warmer and is no longer as cold as winter.

The people gradually walked out of their homes and began to make their own preparations. The next step was spring plowing, and there were still many things to be busy with.

Those who repaired farm tools repaired farm tools, those who sorted seeds, and others had to negotiate for plowing cattle and so on.

Although the empire has bred a lot of mules, these mules are not currently being used by the people, and are basically still being bred intensively.

The first batch of mules has been used to form a transportation team, so the mules used for agricultural production can only be delayed for another year.

Outside Luoyang City, there is a small village.

Tian Dan also felt a little unsure. Although he only spent 50,000 yuan on a thousand plows, it was not a small amount of money.

But Tian Dan's purpose was actually just to make money, or in other words, in order to reassure the emperor, he could only make money.

But you can't make money so hard that the emperor will be jealous.

Therefore, the price set by Tian Dan is one hundred yuan per unit.

And this price, for those common people, is tantamount to a huge sum of money that they have never seen in their lives. Tian Dan has no idea how many people have the courage to spend a hundred dollars to buy this plow.

So this first business was on the edge of Luoyang City, so Tian Dan decided to try it out in person.

Well, Tian Dan once again became the first person in the Han Dynasty to eat crabs.

The first business of Dahan Bank came from Tiandan.

The 50,000 yuan used to purchase a thousand plows was used as a loan for the field construction. The term was only three months, so it was a short-term loan.

The interest rate is actually not low. For ten thousand dollars, the interest rate per year is 10%, which is the interest of one thousand dollars.

Tian Dan only loaned money for three months, so the monthly interest for ten thousand yuan is 84 yuan. Three months is 252 yuan, and fifty thousand yuan is one thousand two hundred and sixty yuan.

Although it is not low, the interest rate is much lower than if he borrowed other people's money.

Tian Dan has an identity and a background. As long as what he wants to do doesn't violate the law, there are plenty of people who are willing to cooperate.

Therefore, after receiving the notice from Tian Dan, the village stalwart quickly gathered the people. For him, this matter had only advantages and no disadvantages.

"Marquis of Qi, can you say a few words?" The countryman first gave a general speech to the people, and then looked at Tian Dan humbly.

"Well, let's just say a few words!" Tian Dan nodded. He didn't expect the village stalwart to help him sell much. He just needed to gather people.

Looking at the bewildered people below, there are all men, women, old and young. Basically, a family is a small group.

"I came here today just to sell plows, the plows you used before. The imperial court has put out a lot of new plows in various places, but the quantity is far from enough. Now the imperial court has huge expenses, although it will continue to put out new plows.

, but the speed will definitely be slower, so I took the opportunity of this court reform to discuss with the Ministry of Household Affairs and the Ministry of Works, and then petitioned the emperor and got the emperor's permission." Tian Dan came up as soon as he came up.

First, express your attitude and straighten your stance.

No matter what, you need to establish a career for yourself first. Your skills must be high. Only in this way can you intimidate people.

And the emperor is the best sign in the world.

When Tian Dan said it was the emperor's permission, the wariness on the people's faces instantly lightened a lot.

If you want to make money from the people these days, you have to choose the right way. And what kind of goods are easiest for people to buy?

Of course they are agricultural-related goods.

It’s not that no one has considered buying a new plow, but the problem is that they have no way to buy the previous new plows.

All new plows are owned by the government, and you have to wait in line every time you use them. You also have to pay some fees when using them. Although they are not high, they are still very troublesome.

Tian Dan had already grasped the psychology of these people, so he didn't plan to talk to them so much.

"Let's talk directly about what you are most concerned about, the price issue!" After saying that, Tian Dan stretched out a finger and said: "Each new plow only sells for a hundred yuan!"

'Buzz...'

As soon as Tian Dan finished speaking, the people below started talking.

Hundreds of coins!

That's a hundred dollars...

Where can I get that much money?

"Quiet! Quiet!" Tian Dan was very satisfied in his heart, but still shouted impatiently on his face.

How can the people below dare to compete with such a big man as Qi Hou?

As soon as one shouted, the other side suddenly became quiet.

"The price is actually very low, and His Majesty has also considered your difficulties, so he has specifically ordered the Ministry of Accounts to charge you less interest. I can tell you directly now that I borrowed money from the bank and gave you 10% interest.

, and your loan is only half..." Tian Dan did not forget to sell the emperor's favor.

Although this is all true, the emperor used agricultural subsidies as an excuse and asked the Ministry of Revenue to make some concessions on agricultural loans as subsidies.

As for the matter at hand, charging 10% of the interest from the fields and only half of the interest from the common people is already a huge profit.

The role of banks is also to make profits. In agriculture, profits can be compressed to make less profits, but it is absolutely impossible not to make profits.

Of course, although the half-percent profit seems to be quite a lot, after taking into account all the expenses including banks, personnel, transportation of funds, allocation of accounts, etc. in each county, collecting this interest is basically a small profit with guaranteed capital.

No matter how much you release, you will recover as much as you want. In fact, you will lose money, and you will lose a lot of money.

"can not afford……"

"It's better to wait and line up at the government office."

"That's right, maybe if you just borrow it, there will be nothing left..."

The common people were stunned for a moment after hearing the new word loan, but then they heard that the interest rate was only half percent, and they immediately understood what it meant.

Isn't it just borrowing money?

Anyone who has the guts to lend money to others these days is not a good person.

We have just had a few good years, and we are looking forward to the next few years. No one wants to end things forever just because of a new plow.

Anyway, without a new plow, the whole family will not starve to death. At most, the harvest will be less.

Tian Dan did not expect this situation at the scene, but someone did.

So Tian Dan is not the only one who came today.

"Everyone! Please be quiet! I am the head of Dahan Bank. You may have some misunderstandings about the bank. Please listen to me tell you the ins and outs of this bank before making a decision!" The head of the bank stood behind Tian Dan.

came out.

He is not here to stand up for Tiandan, but for Qianzhuang.

This is Tian Dan's first time, and it is also the bank's first time. He needs to let the people accept the concept of the bank, distinguish the bank from those individuals, and make the people trust the bank. Only in this way can the future be prosperous.

"This bank was personally ordered by His Majesty the Emperor. Shangshu Ling took the lead. Zhang Shangshu of the Ministry of Revenue was personally responsible for establishing it. The bank is also under the name of the Ministry of Revenue. You can think of the bank as a new yamen and a government official.

a part of!"

"So what is the purpose of establishing a bank? There are two main parts. One is to facilitate trade, and the other is to serve the people."

"How can this serve the people? Of course it is to support agriculture. Just like this new plow, Qi Hou sells it for a hundred dollars, but everyone can't afford that much money at the moment. What should we do?

?At this time, you can come to the bank for agricultural loans.”

"But there are many types of loans. For example, the batch of new plows purchased by Qihou this time are also loans. Although they are related to agriculture, Qihou's purpose is to do business, so they do not have much to do with direct farming.

relationship, so the Marquis of Qi is not on the court’s support list, so he can only borrow money at an interest rate of 10%.”

"But you are different. Your loan is to buy new plows to improve production efficiency and increase output. Therefore, it is on the court's support list. Then your loan interest is half, and the half percent is reduced.

The Account Department is responsible for it. There are many things in the bank, and charging half of the interest basically protects the principal and makes no money."

"Similarly, His Majesty has also considered more practical issues. For example, if everyone has no money, even after the harvest, there is not enough money to repay the loan, so he allows everyone to repay the loan with food."

The bank manager Balabala's explanation seemed very reasonable, but some people still asked questions in their souls.
Chapter completed!