Five years as county magistrate, hundreds of millions of kilograms of grain shocked Li Shimin Chapter 144 Establishing a bank and providing preliminary lending and deposit services
Chapter 144 Establishing a bank and providing preliminary lending and deposit services
Chapter 144: Establishing a bank and providing preliminary loan and deposit services
Fang Yuan opened the letter.
The words that enter the eyes are beautiful and clear handwriting.
The writing is neat and easy to read, giving you a beautiful experience.
But as he watched, Fang Yuan's heart slowly sank.
It is somewhat similar to what he thought, but also very different.
The first difference is that Pei Ji's appointment has not been confirmed, but has been postponed.
The second difference is that Xiao Rui was sure that that aspect was not working, but the marriage was not postponed because of this.
The letter also mentioned that Pei Ji might have guessed the cause of Xiao Rui's injury and reached an alliance with Xiao Rui, which was why the official appointment was postponed and the marriage went as usual.
After reading the letter, Fang Yuan felt heavy and worried that Xiao Yu would know that he was also involved.
"Fang Yuan, what's wrong?"
Du Miaoyan frowned slightly and asked.
She hasn't gone back yet and plans to go back after dinner.
Princess Xiangcheng’s letter made Fang Yuan look unhappy, something must have happened.
She is not in Liaozhou City these days, staying with Fang Yuan, and has not received a letter from Princess Xiangcheng.
"Look."
Fang Yuan wrote the letter to Du Miaoyan.
Then I realized that no one had started eating yet.
"Mrs. Li, please forgive me for the poor hospitality."
Fang Yuan looked at Mrs. Li and said.
"No, the food is pretty good."
Mrs. Li smiled.
"That's good, let's have a meal."
Fang Yuan nodded with satisfaction.
"It's long past time to eat. I'm so hungry."
Xue Jiaoyan complained in a low voice.
She had obviously eaten a meal in advance, but when Fang Yuan and others came back, she came over to eat.
Even when she saw that there were guests there just now, Fang Yuan hadn't moved his chopsticks yet, so she was too embarrassed to do so.
"Jiaoyan, have you eaten it?"
Fang Yuan thought Xue Jiaoyan hadn't had dinner yet.
So I looked at a dining table and didn't see the giant figure.
"Young Master left Fang Mansion yesterday, saying he was doing some personal business."
Xue Jiaoyan put the chicken leg into her mouth and said while squeaking.
"Going to do some personal business?"
Fang Yuan felt surprised and looked at Hongxu and Qingyao.
Since the establishment of the Mohist Research Institute, Juzi has never done anything private again.
"I don't know. If I ask him, he won't tell."
Hong Xu shook her head and said.
Fang Yuan's heart became heavy.
If it wasn't a very urgent personal matter, Juzi wouldn't wait for him to come back.
For a lonely old man like Juzi, what other personal matters are urgent?
"Fang Yuan, I don't want to eat. I will go back to the Royal Trading Company first."
Du Miaoyan had already read the letter and said with a cold expression.
"Okay, I'll ask Hongxu to pack it up for you and take it back."
Fang Yuan did not stay.
Princess Xiangcheng should still have a letter sent to her at the Royal Commercial House.
"No need, I'll just go back and have someone fix it."
Du Miaoyan declined the kindness.
Say goodbye to Mrs. Li and others and leave.
Everyone continued to eat and occasionally chatted about some topics.
After dinner, Fang Yuan asked Hongxu and Qinggao to arrange rooms for Mrs. Li and the three of them.
The night passed like this.
The next day, Fang Yuan arrived at the Governor's Mansion.
He found another pile of documents waiting for him to correct.
Fang Yuan was slightly speechless, and then started a new day's work.
Seven days have passed, and the development of Liaozhou City can be seen with the naked eye.
Before he left, he asked Zhang San and Lu Xia to set up a soft mattress and toilet factory.
In addition, the cement road in Yushe County is officially open to traffic, and more people in Yushe County travel to and from Liaozhou City.
Two-thirds of the cement road in Pingcheng County has also been built, and it will be almost completed in about ten days.
Finally, Fang Yuan discovered that three aristocratic families had moved into Liaozhou City.
Unlike Changsun Chong and others who bought a mansion here, they moved here as a family, with each family having a population of about thirty.
"Zhang San, what's going on with these houses?"
"Why did you suddenly move to our Liaozhou city?"
Fang Yuan called Zhang San and asked.
This was moved here during the time he left.
When aristocratic families stay in one place, they will work there for a long time.
They will not just move somewhere unless there are major policy changes.
Or maybe there are very big changes, etc., that will cause them to move to other places.
"The Zhouzun, Zhao, Qian, and Sun families are the three prominent families in Yuzhou. Yuzhou is close to the East Turks. They were worried that the war would affect them, so they moved."
"In fact, they only moved a small branch to our Liaozhou, and some also moved to Bingzhou, Shizhou, Fenzhou, etc., moving in a direction away from the Eastern Turks."
Zhang San has already conducted an investigation.
Some aristocratic families suddenly appeared in Liaozhou City. The reason must be found out, otherwise I don’t know how to explain it to Fang Yuan.
"Avoid war and preserve strength?!"
Fang Yuan understood this instantly.
An iron-clad family and a flowing dynasty are not unreasonable.
Every time there is a war, powerful families will rush to avoid danger and stay away from war areas to preserve their strength.
After the war is over, whether their own country wins or other countries win, they will still be strong.
For the sake of local stability, the imperial court may want to please them and appease the local people, so they become more powerful.
"Yes, do you want to drive them away?"
Zhang San nodded and said in a deep voice.
The imperial court is about to start a war, but these aristocratic families just don't want to help and take the lead in escaping. Doesn't it affect the morale of the local people?
"Drive away?"
"No, it's solicitation!"
"Zhang San, go and invite them over."
Fang Yuan shook his head and said.
An idea comes to mind.
"Zun Zun, why?"
"If they can abandon Yuzhou today, they can also abandon our Liaozhou tomorrow."
Zhang San was puzzled and did not leave immediately.
He doesn't like those aristocratic families who moved here because of the war.
"Zhang San, you have to understand that they are from an aristocratic family."
"For most aristocratic families, they only focus on their own interests."
"There are only interests to discuss with them, and talking about feelings is like playing the piano to a cow."
Fang Yuan said in a deep voice.
"Then why recruit them?"
Zhang San seems to understand somewhat, but not quite yet.
"Liaozhou is poor and weak. If we want to develop, we don't know how long it will take us to do it on our own."
"Since these aristocratic families have moved here, why don't we use them and develop Liaozhou with them?"
"They are hateful to the court at this time, but they are beneficial to us now. If we drive them away, won't we create opportunities for other states?"
Fang Yuan explained.
The migration of the aristocratic family has become final.
Either move to Liaozhou or move to other states.
The atmosphere throughout the Tang Dynasty was like this. Other states would not think of driving them away. At most, the local aristocratic families would just be on guard against them.
"I understand, this is an invitation to them."
Zhang San pondered for a moment, bowed deeply to Fang Yuan and left.
Soon, representatives of the Zhao, Qian, and Sun families, who had just moved to Liaozhou, were invited to the governor's office.
The representatives of the three families knew each other well and became a little reserved after entering the governor's office.
As a foreign family, they all know that they need to lower their minds and develop.
After all, it’s just a branch, not the strongest moment.
And they don’t know what Fang Yuan wants from them.
Soon, they saw Fang Yuan.
"Meet the Governor!"
The three of them saluted Fang Yuan respectfully.
"Without ceremony, the three patriarchs will let us go inside to talk."
Fang Yuan smiled politely.
Invite three people into the conference room.
With that said, he walked into the conference room early.
The three of them looked at each other in surprise.
It's a little different from what they thought, but it seems very friendly.
Soon, the three of them entered the conference room, and the state officials prepared tea and left.
"First of all, on behalf of Liaozhou City, I welcome the three clan chiefs to move to."
Fang Yuan said slowly with a smile on his face.
"Xie Fang, the governor."
The three of them are at peace.
I understand the general meaning of Fang Yuan.
"I wonder what you three think of Liaozhou?"
Fang Yuan looked at the three people and said.
"Very good, it has the potential to rise!"
"The cement road alone can bring huge wealth to Liaozhou."
"It is a place suitable for long-term development. It may be better than Bingzhou in the future, but it is a pity that the land is a bit smaller."
The three of them summed up their thoughts on Liaozhou City these days.
They have moved here for a few days and have inspected the situation in one city and three counties in Liaozhou.
Liaozhou City gave them the feeling that it was full of vitality and full of novelty.
These novel things can greatly improve the development of Liaozhou and make Liaozhou develop at a faster speed.
The only thing that makes a few people feel lingering fear is that Fang Yuan, the governor of Liaozhou, wiped out several aristocratic families not long ago.
This was what they were worried about before they saw Fang Yuan, and they even considered whether to leave here.
But after seeing Fang Yuan and seeing Fang Yuan's attitude, the three of them were all determined and ready to settle down.
"Thank you three for your affirmation of Liaozhou."
"I also want to build a majestic city that surpasses Taiyuan Prefecture and is second only to Chang'an City!"
Fang Yuan said in a deep voice.
"Fang Jishi is so heroic!"
The three of them were stunned for a moment, and then saluted Fang Yuan.
Based on their observations of Liaozhou City, it is really possible for Liaozhou City to surpass Bingzhou Taiyuan Prefecture.
But this will definitely not be easy, it will take at least ten years, and Fang Yuan will definitely no longer be the governor of Liaozhou by that time.
"I invite three people here this time because I want to invite them to jointly develop Liaozhou City."
Fang Yuan’s righteous way.
Tell the real purpose of inviting them here.
I just want to see what they think of Liaozhou City.
"This... we need to consider it carefully."
The three of them smiled and said.
They migrated here mainly for safety.
Weizhou is their base camp, and they will go back after the war.
There may be only two people who will not go back. Yuzhou fell, and the place of relocation has huge development potential.
Obviously, Liaozhou has huge development potential, but they still have to consider it carefully.
After all, some places cannot be developed if they want to. They also have to consider policies, local customs, etc.
"If the three of you are willing to develop in Liaozhou, I can give you policy support."
Fang Yuan glanced at them, guessing that they had concerns.
"May I ask what policy support Governor Fang has?"
The three of them were immediately moved and asked.
"First, tax-free for half a year!"
"Second, make sure you won't be bullied!"
"Third, I will try my best to give you the place you like."
"Fourth, you can make suggestions, and I will consider whether I can agree."
Fang Yuan said slowly.
"The governor is so generous, we are willing to stay and develop!"
The three of them suddenly became excited.
The first three items are all complete benefits.
Article 4 is even more sincere.
It can be seen that Fang Yuan really wants them to stay and develop.
"I have a request, and I hope you three can agree to it."
Fang Yuan nodded with satisfaction and continued.
"Please speak clearly."
The three of them looked at each other and said seriously.
They were all worried that Fang Yuan would make an excessive request at this time.
"I hope that the three families who also want to move can spread the news, and Liaozhou City opens its doors to welcome them."
Fang Yuan said in a deep voice.
Since the Zhao, Qian, and Sun families have moved, there must be other aristocratic families who will also move.
Not only is Yuzhou close to East Turkestan, there are also Yunzhou, Shuozhou, etc.
This is a rare opportunity. Since Fang Yuan has accepted the Zhao, Qian, and Sun families, he will promote it again.
"No problem, we will definitely convey it!"
The three of them had no objection at all.
Liaozhou is unfamiliar to them.
But if more familiar aristocratic families can move here, this place will no longer be unfamiliar.
In a place that is no longer unfamiliar and the local governor does not suppress it, then the local aristocratic families will no longer be a problem.
They are all aristocratic families, and they understand that sometimes the competition between aristocratic families is quite cruel, and they will suppress foreign aristocratic families, etc.
Because there are only so many local resources, and more people come to share, then fewer resources will be distributed to everyone.
Therefore, the three of them also hope that more familiar aristocratic families can move here.
"That's good, I suddenly thought of something, and I would like to tell you about it by the way."
"I will set up a bank in a few days, mainly for saving and borrowing money."
"In the name of the state government, we protect the money of customers who save money, and in the name of the state government, we lend money to those in need."
Fang Yuan suddenly thought of the bank.
Now, the bank has been completed.
The rest is to officially open the business and implement loan and deposit services.
The implementation of banknotes will take some time. We must first promote banks to attract people to save money, and then exchange them with banknotes.
"Fang Jishi is wise!"
"What are the requirements?"
The three people became excited and asked with expectation.
The migration of their aristocratic families is mainly the migration of people and money.
If you can walk by yourself, relocation is not a problem, but if you don’t have money, it’s very heavy and difficult to relocate.
Therefore, the farther they moved, the harder it was for them to bring money. As a result, they did not have much money when they moved to Liaozhou, and most of them moved to Bingzhou.
And Fang Yuan established a bank to provide loan services and solve their problem of lack of money. They felt that staying in Liaozhou for development was a very good decision.
"There are no conditions for saving money, just register the information, but borrowing money is definitely different and requires several aspects of inspection."
"First, you must have deposited money in the bank, at least consistently; second, you must have someone to vouch for it, don't worry, I can vouch for you; third, check your reputation, that is, see if you have not paid back money or anything like that.
That’s it.”
Fang Yuan said slowly.
State the three main points.
Later, let Zhang San and Qicao join the army and provide detailed plans for them to get along.
Anyway, there are no conditions for saving money, but there are strict controls on borrowing money, and you will not lend it out casually.
"With these words from Governor Fang, I will feel relieved."
"May I ask when the bank will be held? I will definitely be there to celebrate."
The three of them looked at each other and said excitedly.
What Fang Yuan said is not a problem, they are all from a big family, they are not people who don't pay back money.
"I will send someone to invite you the day after tomorrow."
Fang Yuan pondered for a moment and said.
The bank has been planning for a long time and can be held at any time.