Although Xi Zhong has not yet taken office, he still knows a little about the situation in Yuyang County. Yuyang County is the largest and most populous county in Youzhou. The great development of the marine economy in recent years has led to the great development of the entire Youzhou. , the current population of Yuyangjing is 700,000 or 800,000, if not 1 million.
The population living in rural areas definitely exceeds 500,000, which is almost 100,000 households. According to the thinking of the government, these 100,000 households need more than 10 million acres of farmland.
Xi Zhong has stayed in Quan County for nearly two years and is familiar with the land situation in Yuyang County. Based on his estimation, the land in Yuyang County cannot exceed 5 million acres, which means that he will have to start again. It would take 5 million acres of land to be reclaimed to meet the standard of one hundred acres of land for one household. And the cost of reclaiming one acre of land would be 5 billion even if it requires 10,000 acres of land.
This is almost one and a half percent of Daqian's fiscal revenue, and it is almost two years' fiscal revenue in Dahan. No matter how wealthy Yuyang County is, it cannot afford such a large expenditure. The only way the opera lovers can think of is to find money. This amount of money can only be raised through loans. For the Yuyang Prefecture, 5 billion is an extremely huge number, but for the people of Yuyang with a population of nearly one million, it is nothing.
The reason why Xi Zhong has achieved outstanding political achievements in recent years is also thanks to the loan from Qianpu. Whether he is doing farming in Liaodong or working as a herdsman in Jizhou, all the early development funds are based on loans. With the loan from Qianpu, Xi Zhong can Only Zhongcai can develop the dilapidated territory in his hands.
Ordinary people would worry about not being able to repay the loans, but Xi Zhong was not worried at all. He knew that as long as the loans were used for production, even if they were used for low-yield things such as farming, the loans would be paid back quickly. .His political achievements in Liaodong, Jizhou, and Youzhou over the years have verified this experience!
Jia Xu said with a smile: "Although this number is a bit high, this is a policy formulated by the government in order to quickly restore the vitality of the common people. As long as you are able to repay the loan, it will not be a problem at all! Maybe Sun Qing and the others will like it. A big loan candidate like you!"
To be honest, there is only one money shop in the whole of Hebei. It can be said that the money shops that printed money at the beginning were defeated by the advanced money shops. Moreover, Xu Wei also enacted legislation to eliminate all interest on loans exceeding 2.5% in a year. Also, Ziyin Money had thugs at the beginning, but now Xu Wei has hundreds of thousands of Dagan troops. It can be said that Dagan's financial market has been completely swallowed up by Dagan's money shop.
But also because of the government-run nature of the money shop, it is naturally impossible for the money shop to charge such high interest rates as those loan sharks, which may even lead to the death of a family! Basically, the interest rate for saving money in Daqian is half a cent, and the interest rate for a loan is one and a half cents. , the difference in the middle is what the money shop earns! Of course, there are more than one way for the money shop to make money, and there are also other ways of making settlements in other places, which is the big one.
For example, Zhen An and the others made tens of millions of money selling Daqian products in the Western Regions. He only needed to deposit the money into money shops in the Western Regions, and after paying a 10% service fee, he could spend the money at various money shops in the mainland of Daqian. It is extremely convenient for Zhen An and the others to save the trouble of hiring someone to escort such a large amount of money. For Sun Qing, the money shop owner, making millions at a time is also an extremely good deal. .It can be said that after the opening of the Silk Road in the Western Regions, money shops can earn more than one billion from such off-site settlements alone!
There are projects that make money and there are projects that lose money. In fact, money shop owners like Sun Qing and others don’t really like small loans in agriculture, because no matter how hard they borrow such loans, a family can’t exceed RMB 10,000, and If there is a slight accident, the loan will become a bad debt. Whether they recover or recover it, they will waste a lot of manpower and material resources, and they can't just print money and ruin the families of the people, so there will be a lot of money. of bad debts.
In the past few years, agricultural loans have been in a state of loss, devouring a large amount of the money shop's profits, and occupying 70% of the money shop's manpower and material resources. Therefore, Sun Qing and the others are not too active in promoting this business. If it weren't for Xu Wei's focus I told them the importance of agricultural loans to Daqian. According to Sun Qing and others, such unprofitable, troublesome and troublesome projects should have been axed long ago.
For Sun Qing and the others, they prefer big customers like Zhen An. Not only do their deposit and withdrawal limits exceed hundreds or tens of millions, but their loan amounts are also relatively large and the risks are very small. Even if Zhen An These people are bankrupt.
Money shops can also recycle their factories and houses as collateral, and these factories, machinery and houses are all things that big-money textile mills like. As long as they are transferred to them at a low price, the profits will be returned. It can be said to be an industrial loan. Not only is the amount huge and there are few things to do, but the risks are also low and the returns are high. Any normal person will know how to choose.
Just like this agricultural loan, a 3 billion agricultural loan, people in money shops like Sun Qing have to deal with tens of thousands of households. He needs to prepare hundreds of salespersons, and also needs to contact agricultural tool factories and pastures in the desert. Waiting for a large number of factories, because Xu Wei stipulated that agricultural loans could not give money, but only materials. The tribesmen were relieved and could directly get the farm tools they wanted, but the salesmen of their money shops had to travel thousands of miles. Only in this way can the people get the production tools they want.
But now the 3 billion is loaned to the local government represented by Xi Zhong, which is the easiest for Sun Qing and others. They only need a few salesmen to connect with Xi Zhong, supervise the use of the money, and other things They don't need to take care of things at all. Everyone likes this kind of business with less work and more money.
Xi Zhong shook his head and sighed and said: "Nowadays, the salesmen of money shops rarely go to the countryside. The places they prefer now are the industrial areas of the city and businessmen from all over the place to have a good time and drink. But they don't know that those who really need funds They are farmers in the countryside."
This chapter is not over yet, please click on the next page to continue reading! Jia Xu was not surprised and said: "It is human nature to be indolent and indolent. Although the small agricultural loans in power can help the people recover quickly, they put great pressure on money shops. It’s big, and it’s also very prone to bad debts. After deducting bonuses, the current salesmen who can do it consistently can be regarded as having amazing perseverance.”
When the small agricultural loan was first implemented, it did help Da Ganxin occupy Youzhou. Liaodong and Jizhou quickly restored local agricultural production, and also allowed cattle and horses in the desert to find a channel to sell in a day! However, agricultural loans are very cumbersome. Over the years, Soon the salesmen of the money shop preferred to stay in the city than in the countryside with simple conditions.
Xi Zhong said: "I think the government can set up an agricultural money shop, let these salesmen who are still focusing on the countryside become salesmen of the agricultural money shop, let them focus on rural affairs, and make the villages of Daqian become rich quickly.
Although most of my wealth comes from industrial areas, if there are no villages to provide raw materials and markets for the industrial areas, it will be difficult for the industrial areas to expand. Even though my territory has continued to expand over the years, the textile industry has not. The reason for my complexion is that no one has money to buy cloth, and no one buys it. No matter how much cloth is produced, there will still be more cloth. I thought that only the rural economy can save the industry I work on!"
Xi Zhong's argument made Jia Xu's eyes light up. To put it bluntly, the textile industry is the first pillar industry in Daqian, but it has been clearly stagnant since a few years ago. Zhen An and others think this is because the market is not enough. For the market in the Western Regions, they helped Daqian capture Xiliang and conquer the Western Regions. Although occupying the Western Regions did help Zhen'an and the others consume some cloth, but millions of pieces of cloth a year were compared to Daqian's annual production of tens of millions. It’s nothing at all in terms of cloth production capacity.
Had it not been for the capture of Yuzhou and Sili this year, the textile industry would have fallen into recession. Zhen An and the others even began to want to persuade the ruling party to conquer the entire Han Dynasty as soon as possible. After all, only the tens of millions of people in the Han Dynasty could save Zhen An and the others. of the textile industry!
But what Xi Zhong said today made Jia Xu realize that making his tribe rich and having money to buy goods is also a solution. Jia Xu even realized that by expanding the land area of his tribe in power, would he also see the development of industry? He wanted to use this method to solve the dilemma of Daqian Industry! Based on Jia Xu’s understanding of Xu Wei, he found that this was really a possibility!
Jia Xu smiled and said: "You are indeed a person favored by the government. You really have a unique vision. When everyone is looking outside, you are the only one who thinks of solving the problems of Daqian industry internally!"
Xi Zhong said seriously: "With the speed of development of Daqian's textile industry, what's the use of completely conquering Dahan? The current population of Dahan is only more than 10 million, which is less than 30% of our Daqian. With the current expansion of the textile industry The speed of development will stagnate in less than 5 years, but now the Han Dynasty is surrounded by savage countries, and Zhen An and the others cannot possibly let the savages consume woolen cloth, so only our internal development can solve the problem."
"If the wealth in the hands of our tribesmen doubles, the market for the textile industry will double. And the three times the farm area of the tribesmen now in power is equivalent to three times the wealth of our cadres. In this way, the textile industry The industry can develop for at least ten years, and if the people continue to increase their wealth, the market for the textile industry will become bigger and bigger. This is the fundamental solution!"
Jia Xu smiled bitterly and said: "Your solution is something that not even the ancient saint kings can do!"
Although Jia Xu has understood that wealth comes from labor during his Daqian years and no longer views the development of the world in a fixed way, he also knows that the people of the world cannot always be growing in wealth. There must be a limit to this!
Xi Zhong said confidently: "Didn't the ruling party say that there will definitely be problems in this world? If problems arise, we will just solve them!"
Xi Zhong has studied Da Qian's development in the past ten years. It can be said that he has watched Da Qian's wealth continue to increase. Xi Zhong is absolutely sure that even if Da Qian has not yet unified the world, his financial resources have far exceeded The most prosperous period of the Han Dynasty in 400 years. This is because most of the resources of the Daqian were used on the battlefield. Xi Zhong is not sure that after the Daqian unified the world, all resources will be concentrated on development, and the prosperity of the Daqian will be How brilliant, Xi Zhong believes that Xu Wei's development of productivity to accumulate and create wealth is the most correct path.
Jia Xu shook his head and said: "Forget it, let's not talk about this anymore. Tell us all your other demands!"
Xi Zhong thought for a while and said: "If I want to complete the pilot task of governing well, I still need the help of some talents! I want a few people to come to Yuyang County to help!"
"who?"
"Tian Chou, Xian Yuping, Lu Dun, Gongsun Xu!"
Jia Xu looked at him in surprise and said: "These are originally the children of the powerful Han clan. You have a bright future. Why are you connected with them?"
The actor smiled bitterly and said: "It's just a matter of joining the group to keep warm. Moreover, we have worked together in Liaodong before, so I know their talents!"
There are now three major factions in Daqian, namely the Tengjia Faction, the Yellow Turban Faction and the Hu Faction. These three factions are all veteran factions of Daqian, accounting for 80-90% of the officials and generals in Daqian, and people like Xi Zhong Officials from the imperial examination sect are just seedlings, and now the only ones with the highest official positions are the prefects like Xi Zhong, who has two thousand dan. Officials like them who came from the imperial examination are squeezed by these three major factions. They instinctively compete with the Xiliang tyrants. There were also disciples from Xiangkai who formed a faction.
Although Xi Zhong didn't want to join the party and oppose dissidents, he also knew that it was difficult for an isolated minister to survive in the officialdom, so even though he knew that Tian Chou and the others were in an awkward position, they still had to join forces with each other to keep each other warm! When he was in Liaodong, he came to The officials who came to Liaodong were basically from the imperial examination faction, and Tian Chou and the others were highly talented, so they formed a small group to support each other in the officialdom, so he recommended Tian Chou and the others.
Jia Xu nodded to express his understanding. Although he was born in Xiliang, the powerful people in Xiliang had to take the imperial examination if they wanted to enter the officialdom. Even one of his sons was also from the imperial examination, so strictly speaking he and Xi Zhong can be said to be the same faction. , and the leader of their faction is Xiangkai!
The strength of the imperial examination faction is very weak. Not only are there not even enough officials in the officialdom, but most of the official positions are not high. Those who become prefects are very rare, and there is only one person in Xiangkai at the top!
So Jia Xu agreed to mention this matter to Xu Wei.
In the second year of Jian'an (A.D.), Liaodong, Lelang County, Haiming County Wharf!
At this time, the pier was very busy, and there were people watching everywhere, because today, four of the largest ships in Daqian came to the pier of the port. These four ships were like four huge docks on the pier. It's very surprising to see.
This is a whaling ship that Xu Wei spent three years building. It is a full 10 feet long and two or three feet wide. When docked at the dock, it looks like a daunting beast. Such a huge ship, even
A huge pier must be built to accommodate these behemoths!