"Lord, what does the provision of loans in this second policy specifically mean?"

After Gu Yong retreated, Zhang Zhao stood up.

With an extremely keen sense of finance, he immediately discovered a sensitive word in what Yuan Shu just said, loan.

Yuan Shu looked at Zhang Zhao with some surprise: "The so-called loan means that if the common people and scholars under my command want to open a factory or college but lack capital, they can apply for a loan from Jiangdong Bank."

"After Jiangdong Bank verifies the applicant's situation, if it feels that the other party's plan is credible and feasible, it can provide a certain amount of loans, but interest will still be required."

Yuan Shu opened a bank not just to make money, but to use the money wisely and increase the circulation of wealth. If the people blindly save money and do not lend money, what will happen to the interest of their own banks? Wouldn't they be taken advantage of?

Therefore, Yuan Shu opened the loan business when he first established the bank, and the interest rate was not high. The interest rate for a loan of 1,000 yuan was three yuan a month. This was considered extremely benevolent in this era.

You must know that the interest rate for borrowing money from those aristocratic families is not less than 20%! It can be said that the reason why aristocratic families have so many slaves, tenants and fields is because of usury.

Whenever the common people encountered an economic crisis that was difficult to cope with, such as natural disasters and illnesses, they had to borrow money from these wealthy gentry. As a result, in the end, the interest compounded, and it was easy to run out of money, and in the end they had to sell their land and their lives.

The opening of Yuan Shu's bank immediately reduced the financial resources of the aristocratic families by more than 20%. However, Yuan Shu had very high requirements for loan restrictions before, so as to prevent these aristocratic families from sending some people to cause trouble and use small means to embezzle all the money. Therefore,

Large-amount loans are relatively rare.

Now, Yuan Shu decided to provide certain loans to those people who planned to start a business or poor families.

After all, the people in Yangzhou now have some spare money in their hands, and they will naturally pursue a better life.

A few or dozens of brave people can get a loan to set up a small workshop and start a small business.

Needless to say, the poor students all want to enter a college and become teachers, but there are only six colleges in Jiangdong. What will happen if they are full?

Yuan Shu now gave another thoughtful suggestion, you go and open an academy!

Anyway, now that the people have more money in their hands and want their children to learn how to read, you will definitely not lose money if you go to various towns and counties to open some small academies to teach people how to read.

The government has released the books and money. When you make money in the future, just pay back the money you borrowed from the government.

These scholars are already quite leisurely, and a small number of them live in poverty. When they see such a good thing, why don't they all rush in?

Teaching and educating people is a very exciting thing, and now you can still make some money. The most important thing is that if you perform well, you will have the opportunity to become an official. Who wouldn't be happy to do it?

The two words mentioned in Yuan Shu's previous second policy were that support was mainly aimed at aristocratic families and businessmen, and loans were mainly aimed at poor families and common people.

The former are not short of money and have long been interested in Yuan Shu's lucrative sources of income. However, due to various policy reasons of Yuan Shu, they have been unable to get involved. Now Yuan Shu plans to share part of this cake with them.

"The agriculture, handicrafts, breeding industry, and commerce in Jiangdong are all developing well. How is the fishery?"

When mentioning Jiangdong, fishery is naturally mentioned.

This place along the river and the sea has always been a gathering place for refugees. In addition to high food production, it is because at least they will not starve to death by fishing.

The fishery in Jiangdong has always been good, so Yuan Shu has not paid much attention to it, but only provided a little support.

When Xun You heard this, he stood up and said: "My Lord, since the shipyard was reorganized, the number of fishing boats in Yangzhou has increased rapidly. Now there are nearly 10,000 civilian fishing boats. As for offshore fishing boats, they are still being improved.

middle."

Zhang Hong also stood up: "My lord, large-scale aquaculture bases are also constantly increasing. There are now more than 300 in each county in Yangzhou. They can produce about 1.3 million shi of fish every year."

Yuan Shu sighed in his heart. Fish farming was the best main business in Yangzhou. He had not provided much support, and the output could easily reach millions of dan.

If it weren't for the fear that eating only fish meat would be nutritionally unbalanced, Yuan Shu wouldn't even bother to set up those farms and just catch fish!

"Then let's consider military issues next. Filial piety!"

Yuan Shu had been preparing to reorganize the army in Jiangdong. After all, there were already 150,000 troops in Jiangdong, and Zhang Liao and Wei Yan were also slowly growing up. It was time to give them some opportunities.

The military attachés on the right were so bored that they almost fell asleep listening to these political reports. After hearing these words, they immediately cheered up.

Guo Jia stood up and told Yuan Shu about the arrangement he had previously discussed.

"Our current elite soldiers in Jiangdong total about 150,000. In addition to the trapped camp, Xianden and the lord's escort battalion remain unchanged, totaling 5,000. The remaining soldiers will be redistributed."

"Generals Sun Jian and Huang Zhong each command 30,000 men, General Ji Ling and General Zhang Liao each command 20,000 men, General Wei Yan commands 15,000 men, and Generals Gan Ning, Zhou Tai, and Jiang Qin command a total of 30,000 men."

This is the allocation made by Yuan Shu and Guo Jia after careful consideration.

Sun Jian and Huang Zhong are far superior to others in terms of ability and experience, and there is no dispute about commanding 30,000 soldiers.

After all, Ji Ling was the first person to follow Yuan Shu and the most loyal to Yuan Shu. Although his abilities were somewhat inferior, he could still command an army of 20,000 people.

And Wei Yan was already a brave general no less than Zhang Liao. After following Huang Zhong for half a year, he had enough experience. It was time for him to stand up and take charge of his own affairs.

As for Gan Ning, Zhou Tai, Jiang Qin, and Yuan Shu in the end, they were actually a little troubled.

Zhou Tai is not a famous general who is good at leading troops. He is actually a bodyguard general, equivalent to a weakened version of Dian Wei.

As for Jiang Qin, although he was quite talented, he was still far from being able to stand alone. However, he had great stamina and was a late blooming general.

Yuan Shu could only put these two guys together with Gan Ning and directly lead an army of 30,000 men together. Gan Ning would be the commander and the other two would be his deputies.

"In addition, General Sun Jian will accompany the lord during this meeting. General Zhang Liao will guard Yuzhang, General Huang Zhong will guard Lujiang, General Wei Yan will guard Jiujiang, General Ji Ling will guard Kuaiji, and General Gao Shun, General Ju Yi and General Gan Ning will be in charge.

Guard Danyang and Wu Commandery."

After hearing this, all the generals had different expressions, but they still agreed in unison.

Among them, the happiest person is undoubtedly Wei Yan.

Wei Yan was very depressed in the past two months. They were both deputy generals, but Zhang Liao suddenly became the governor of one side. He thought he was not inferior to him, but he could only be a deputy general.

Unexpectedly, he was directly promoted to the rank of general this time, and also guarded a county. Although he was worse than Zhang Liao, it was enough to make him ecstatic.

On the contrary to Wei Yan, Ji Ling was holding his breath at this time. He knew that the reason why he still commanded 20,000 soldiers was because of his lack of ability.

Thinking about it, Sun Jian and Huang Zhong, who were originally at the same level as him, have slowly pulled him down. If he doesn't work hard, even his juniors such as Zhang Liao and Wei Yan may surpass him!
Chapter completed!