Hu Dahai felt unhappy because Lin Fu forced a person to come to Yandu County Yamen, and he thought to himself:
Lin Fu appointed himself as the envoy of the Huaidong system. The first step to penetrate into the local area was to bring the inspection departments under the jurisdiction of the eleven counties of the two prefectures under the direct jurisdiction of the Military Department. On the basis of the original nine inspection departments, ten more inspection departments were added.
The seven new inspection departments, inspectors, subordinate officials, officers and sword archers were all selected and assigned by the Military Directorate.
These inspection departments mainly control the Yanhe River, Beiguan River, Yanqing River, Qingjiangpu, Baitang River and other major rivers and old post roads in Huaidong, almost all other major Huaidong traffic passes outside the capital city and county town.
, are all under the control of the Huaidong Military Division.
However, it was not enough for Lin Fu to do this. Building and defending the sea wall was his second step in penetrating into Huaidong, and even extended his tentacles into the Huainan salt area through this. Now, seven posts have been built along the sea wall construction section in Huaidong.
, the establishment of villages and villages actually took away the local authority to resettle displaced households.
At this time, he directly went to the prefecture and county government offices to interfere in the affairs of the prefecture and county. Can you tolerate it? Who can't?
Hu Dahai secretly made up his mind to find Liu Tingzhou directly when he returned. He couldn't let Lin Fu do whatever he wanted in Huaidong. Did he really regard himself as the local emperor of Huaidong?
Hu Dahai was thinking wildly in his mind. Lin Fu asked him something, but he was too stunned to hear.
"Master Hu..." Lin Fu called again.
"Ah," Hu Dahai trembled, looked at Lin Fu blankly, and said, "Please sir, all the subordinates will obey your orders?"
"I asked you about the warehouse inventory in Yandu County, and you asked me what my orders were?" Lin Fu asked.
"Oh..." Hu Dahai responded, knowing that his distraction would make Lin Fu unhappy, but he didn't care about it. He did his homework before coming over, and when he saw Lin Fu asking about the inventory of the county warehouse, he was confident that he would report it.
A few figures, "...more than 2,100 kilograms of rough iron and more than 660 kilograms of refined iron!"
Lin Fu pressed his hands on the table and remained silent.
Lin Fu's silence made Hu Dahai feel guilty, fearing that his answer just now was wrong and he would be criticized here.
Among many materials, the importance of iron materials must be at least ranked in the top three. Lin Fu had some knowledge of the iron material reserves in various prefectures and counties, but after hearing the actual figures given by Hu Da's poster, he still felt that they were pitifully small.
The market price of a pound of pig iron in Huaidong is sixty yuan, which is not much cheaper than the price of copper. The market price of refined iron (i.e. steel) is four to five times that. For most poor farmers, not to mention the big plows.
After the iron plow, there are shovels, rakes, hoes and other agricultural tools, and it is extremely difficult to use iron tools.
Yandu is also considered a first-class county, and the county warehouse only has a small amount of iron material. It is not difficult to imagine why the refugee army could conquer more than ten cities in a row, but in the end they could not even get a sword or a spear.
.
We need to strengthen the scale of Chongzhou Iron and Steel Smelting Factory, Lin Fu thought to himself.
Lin Fu asked about the matter and sent Hu Dahai, Dong Wenbiao and other officials back. He would stay in Yanqing for two days to inspect the reclamation situation here. Qin Chengzu, Wu Qi and others returned to Chongzhou first, and Zhang Gou, Chen Enze and others
Stay with me.
At night, Sun Jingtang, Ge Siyu, Zhu Ai and other officials responsible for building embankments and farming fields came to Yanqing to see Lin Fu; Zhou Guangnan, the head of the newly established Huaidong Bank, happened to be in Gaocheng in the south, and he also followed -
---Yanqing is becoming lively again.
Even though it was August, the weather was still hot. I don’t know where Yanqing officials came from to prepare a basket of melons and soak them in well water. Lin Fu invited everyone to eat melons in the courtyard where he lived to relieve the heat.
"The bank must consider four points when lending money to the farmer's cooperative," Lin Fu said to Zhou Guangnan while chewing melons. "First, it must ensure that the farmer's cooperative has enough food rations. Second, it must ensure that it can build a surrounding house to protect it from wind and rain.
Third, we must ensure that agricultural tools such as rakes, shovels, and hoes can be made of iron products. Fourth, we must ensure that each farm cooperative has more than twenty cattle... Only by meeting these four requirements can we ensure that land reclamation can be done quickly and efficiently.
Good going!"
Lin Fu worked hard to set up a Huaidong bank. So far, he has raised a principal of more than 2.5 million taels of silver. The first thing he has to do is to ask the bank to support the large-scale resettlement of displaced households in Huaidong and carry out land reclamation.
If the bank lends money to each household, the lending work will be extremely complicated, and the phenomenon of household defections will be difficult to control, which will lead to a surge in costs. Even if the interest rate is kept above 20%, there is no guarantee that the bank can make a profit. In the end, it can only
A vicious cycle is formed, turning a good thing into a bad thing.
Lin Fu drew lessons from the collective farm model of later generations and set up a farm cooperative under the village. He recruited about a hundred households to form a farm cooperative to cultivate wasteland and cultivate crops. The bank only had a money lending relationship with the farm cooperative, and the village had no influence on the region.
Reclamation and management of wasteland species.
Zhou Guangnan picked up a branch and wrote on the mud, and replied to Lin Fu: "It is easy to lend out money, but how to ensure such a huge supply of materials? Thirty thousand households must be resettled before the end of the year. Based on what the Lord has mentioned,
The four requirements require 6,000 cattle and 600,000 kilograms of iron. Enough blacksmith households must be raised. The consumption of lime, masonry, and wood will also be extremely staggering. Today, Chongzhou can produce iron every year.
1.4 million jins, but the savings that can be made are less than 400,000 jins, and there will still be a shortfall of 200,000 jins. Now that Jiangdong County is expanding its troops, the demand for soldiers and armor is huge, and the price of iron is bound to skyrocket; the market prices of other materials are also
It will skyrocket. It will be difficult to meet the four requirements you have put forward!"
Zhang Gou squatted aside and ate melon, listening quietly. He couldn't get in the middle of these matters.
At dusk, Hu Dahai said that there were less than three thousand kilograms of iron stored in the warehouse in Yandu County, and Zhang Gou was also present.
He believed what Hu Dahai said. He had conquered more than one or two county towns. If a city was conquered, it would be considered a big harvest if he could get one or two thousand kilograms of good iron. Because of the lack of supplies, in the end everyone controlled
They can't stop robbing ordinary households.
In the past, Zhang Gou knew that Chongzhou had sufficient supplies when he was in the labor camp, but he was still surprised when he heard Zhou Guangnan say that Chongzhou would be able to produce 1.4 million kilograms of iron this year.
Of course, these are not kept secret from Zhang Gou, but Zhang Gou is not an official in charge of political affairs, and he usually does not pay attention to this information.
Lin Fu didn't care what Zhang Gou was thinking, he said to Zhou Guangnan: "We need to expand our thinking. We are short of bricks and stones, wood, iron tools, lime, cattle and livestock, everything. The existing brick kilns and lime kilns,
The scale of cattle raising and lumber yards is limited. The bank can lend money to them so that the brick kiln can expand the scale of burning bricks with soil, expand the scale of burning lime, expand the scale of raising cattle, and increase the speed of wood harvesting. If there are some
The materials are not available in Huaidong, so the bank will lend money to reputable merchants and let them buy them from other places and transport them back to Huaidong! Also, we will need to obtain iron sand, coal and other materials from Haidong to supply Huaidong in the future.
Dong, why don’t you want to lend money to companies or individuals to encourage them to go mining in Haidong? Some people want to take a risk and want to buy a ship to go to sea but are short of money. Why can’t banks lend them money? Banks will have to rely on interest rates in the future.
To survive, you must do everything possible to help others find ways to use money, and encourage others to borrow money from banks, so that banks can become more and more prosperous!"
Banks are the embryonic form of banks in later generations. Banks are naturally weak in supporting small loans to farmers. Their real strength lies in supporting the development of industry and commerce.
After Lin Fu's thoughts were spoken by him, there was nothing difficult to understand or particularly shocking, but it definitely made Zhou Guangnan and others' thinking suddenly open up, and they felt suddenly broadened.
"My lord, you didn't tell us this before you set up the bank!" Zhou Guangnan asked.
Lin Fu smiled. Some good models are not difficult to imitate. The war has intensified the competition among many forces.
There are no banks. Huaidong has one hundred thousand taels of silver, and can only do things with one hundred thousand taels of silver. Even if taxes are increased, the increase will be limited for a time. But if the bank develops well, the scale of the bank can continue to expand, and even develop to absorb the public
With the level of deposits, the resources Huaidong can mobilize will far exceed the limitations of its own financial resources.
Lin Fu could not completely prevent other forces from learning from Huaidong, but he had to limit the speed of other forces' learning, and even try to make other forces learn to be as different as possible. How could he thoroughly explain the bank's operating model in his mind when he was in Jiangning?
"I'm going to tell you about the iron farm now. This requires the active participation of banks," Lin Fu said. "The Huaidong Military Division will only have refined iron smelting in its hands from now on. The technology must be kept strictly confidential and cannot be spread. But
We must encourage private individuals to build iron yards and iron workshops in Chongzhou, Shanyang or other places in the Huaidong region. We can also appropriately support coal and iron mining in Yinan, Xuzhou, Jeju, Kitakyushu and other places. We can even build large-scale iron and steel works in Jeju.
Iron yards, iron and sand transporting ships, coal transporting ships, and banks must also provide support... With only the internal resources of the Huaidong Army Division, Chongzhou's iron output may increase to two million jins next year. But banks must participate,
By mobilizing people and resources from all walks of life, I hope that Chongzhou’s refined iron production next year can reach 1.5 million to 2 million jins!”
Zhou Guangnan and Sun Jingtang secretly said, last year, Chongzhou's refined iron production reached 100,000 jins, which is already a quite astonishing amount. Based on the current iron price, two million jins of refined iron is worth 600,000 taels of silver.
I am afraid that the refined iron output of the six southeastern counties combined would not reach this amount now!
But it’s not surprising that Lin Fu has such high requirements. To be fully armed, an elite soldier needs at least thirty kilograms of fine iron. Lin Fu plans to raise 100,000 elite soldiers in Huaidong, and only the iron for ordnance and armor is needed.
The material consumption is astonishing.
Which general doesn't know how to use sharp soldiers and armored soldiers? But which general has the ability to do this?
Lin Fu was somewhat reluctant to launch a large-scale offensive against Daishan and Changguo after the autumn. For Huaidong, the material preparations were far from sufficient.
It's a pity that the war cannot always be carried out according to Huaidong's rhythm.