After coming out of the coal yard, the crowd followed the third prince on horseback along the sidewalk along the Taoxi River and returned to the military office.
At this time, when he met Shen Yang, Li Zhigao, Zhou Yuan, Zhang Qian, Guo Liang, Gao Chengyuan and others, Yang Yuanpu directly mentioned Han Qian's proposal to camp the military government at the southern foot of Baohua Mountain to use streams and rivers to build large-scale hydraulic equipment. .
Shen Yang and Li Zhigao support this.
There are only a small number of people in the camp. Even if five or six thousand elites are sent north to participate before winter, the military government will still have a large amount of surplus labor to dispatch.
If we can get more work from outside, the camp military government will be able to earn more income, and the living conditions of the camp generals will be improved.
But Zhou Yuan wanted to point at Han Qian's nose and curse him.
What Han Qian can do, he may not be able to do.
If it were really easy to intercept rivers and build dams, build connecting dams, and water mills, why wouldn't there be water mills everywhere among the low mountains and low hills outside Jinling City?
Although there are no water mills outside Jinling City, how many are there?
However, Zhou Yuan could not say that he was not good, his face was a little stiff, and he did not know how to accept it.
"Not to mention the counties in the capital, there are nearly 500,000 people in Jinling City alone. They all have to work hard to eat rice and grain. This is also an important factor in the price of rice in Jinling. If Lord Zhou could make two years ago, Ten large water mills or fifty medium-sized water mills can grind thousands of kilograms of rice every day. In addition to feeding a lot of people, next year it can almost increase the harvest of three to five thousand kilograms of grain for the military government. What does Lord Zhou do about this? We have to grit our teeth and do it!" Han Qian did not forget to cheer for Zhou Yuan and wished he could raise a small flag to cheer him.
"Master Han, do you know how much time it will take to accomplish this?" Zhou Yuan stared at Han Qian pitifully and asked.
"If I were to take charge of Gongcao's affairs, I would be able to do it even if I had to do it." Han Qian said with a faint smile.
Zhou Yuan was so angry that he wanted to rush forward and bite Han Qian.
"Zhou Yuan, are you sure you can accomplish this?" Yang Yuanpu stared at Zhou Yuan and asked, he didn't want to give Zhou Yuan a way out.
"Zhou Yuan is willing to do everything for His Highness." Zhou Yuan could only grit his teeth and agree.
"Well, in the military mansion, all the soldiers who are not dispatched are at your disposal. If you accomplish this for me years ago, you will be rewarded heavily." Yang Yuanpu also knew that he wanted to establish power within the Longque Army, so he should ask for it. Directly intervene in the affairs of the Cao Cao, so that he can reward and punish them, instead of being just for show.
Pushing Zhou Yuan into the deep pit he dug, Han Qian said to the third prince: "Your Highness, Han Qian has one more thing to do. He needs your permission before he can carry it out."
"What's the matter?" Yang Yuanpu asked.
"The craftsman's shop wants to borrow money and food from the outside world in the name of His Highness to meet the urgent need at this time," Han Qian said. "At this time, the Shitanghe Warehouse has been built, and the goods are being exchanged in the streets and alleys, but there are not many People know that the warehouse is the property of Linjiang Marquis Mansion. I want to spread the word in the name of His Highness, and then use the warehouse to promise huge profits to the streets and alleys, borrow money and food, and run things..."
In the history of previous dynasties, it was common practice for government agencies to make loans, but it was rare for officials to borrow money and food from the private sector with generous profits. If the government really needed money, wouldn't it be a matter of clever pretexts and direct expropriation?
If Zuo Sizhen is already in a tight situation, there is nothing wrong with borrowing money and food to meet emergencies.
However, private loan arrears were common in this world, and everyone heard that Han Qian wanted to use the name of the third prince to lend money to people in the streets, without being limited to specific objects.
Although Marquis Xinchang, Madam Heisha and Yao Xishui were not present, Shen Yang, Li Zhigao, Zhou Yuan, Zhang Qian, Chai Jian, etc. all knew the actual situation. Even Li Chong could think of Han Qian suddenly mentioning such a thing in a short time. The suggestion is why.
Zuo Si's hand keeps swelling, and he can't hold it anymore, right?
However, without giving others a chance to question Han Qian, Yang Yuanpu asked Han Qian directly:
"How can the warehouse continue to make profits if it's a big profit? How much profit is it, without fearing that it will be unsustainable?"
Yang Yuanpu did not ask about Han Qian's purpose of raising money in the name of Linjiang Marquis Mansion, but was more concerned about whether Zuo Si could accomplish this.
"I plan to raise a loan of 30 million yuan. First, I will use the fleet to travel between the Jianghuai River and the Huaihe River to make up for the shortcomings. Second, I will replenish the principal of the workshop. The monthly payment will be 4%, and the total annual interest will be 14.4 million. With enough money, Zuo Si should be able to survive, so don’t worry, Your Highness." Han Qian said with a calm expression.
At that time, private lending interest rates were extremely high. According to law, as long as they did not exceed "one interest per dollar", the government was not allowed to interfere. The so-called "one interest per dollar" was actually an annual interest rate of 100%; this was higher than the annual interest rate for thousands of years. Later, usury was much more relaxed.
In the previous dynasty's money-grabbing order, the official paid the principal and received eight cents per month, with the actual annual interest rate being as high as 96%.
If anyone in the government is forced to do this job, he must do his best to apportion and collect money to complete the task, and there are many who even lose their money for it. At the same time, although there are many wealthy households who are willing to take the initiative to take on their duties, these rich people The main purpose of the household is to use money from the family to subsidize the official interest, in order to exchange for corresponding honors and honors after the term is completed.
The Changpingcang Order established by Xu Zhujun in the dynasty was of the same nature as the Qianzhu Order, but the official interest rate was more relaxed, but the requirement was to pay 60% of the interest annually...
For example, Han Qian forced Feng Yi and Kong Xirong to send envoys from Chang Pingcang Order of the Longque Army, and sent 800 dans of tea to the Feng family with a capital of 4 million yuan. This meant that the Feng family would have to pay back their principal within three years. Only by handing in 11.2 million with interest could Feng Yi and Kong Xirong be qualified for their missions.
Moreover, it is impossible for this money to fall into the pockets of Han Qian or Zuo Si.
The Longque Army can set up Chang Pingcang Order, which is an important channel for the Longque Army to raise military resources. In addition to the principal, the interest of this money must be put into the overall arrangement of Cangcao.
This is an interest imposed by the government. Private loans are lower, but not much lower.
It is also for this reason that no one is willing to borrow money unless absolutely necessary.
Otherwise, Shen Yang, Xinchang Marquis Li Pu and Li Zhigao would not have thought of borrowing money on a large scale to meet their urgent needs?
Borrowing money is naturally very easy. All the armies have hundreds of money-catching commanders, and they are all eager to have a land to lend out the principal of the official. In this way, they can not only complete the task, but also receive a knighthood upon maturity. However, the official decision Except for those who really want to buy a prince through this method, who can afford the annual interest payment of 60%?
Xinchanghou Mansion and Wanhonglou were not only unwilling to borrow money, but even lending money was an important part of their income.
However, all this also means that if Han Qian wants to engage in P2P, the interest rate offered is too low and he cannot raise money at all.
The monthly payment is 4%, which translates into an annual interest rate of 48%. This can only be regarded as a relatively suitable lending rate among the private sector. However, such a high interest rate is usually borrowed when there is a shortage, or when there is a higher interest rate. Go out, otherwise no one in the world would be willing to bear such high loan interest rates on a large scale?
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No matter what, Zhou Yuan immediately thought of objecting to this matter.
Chai Jian, Li Chong and others frowned after hearing this. Yesterday, Han Qian was unscrupulous in wanting to expand Zuo Si's power, and today he wanted to take him away in the name of Linjiang Marquis Mansion in the name of a loan. Thirty million dollars, how can there be such a good thing in the world?
Only Li Zhigao secretly winked and told them to be calm and calm.
Li Chong wanted to say something, but saw that after the third prince heard Han Qian's words, he just looked at Shen Yang hesitantly and had no intention of asking for their opinions.
Li Chong also understood that the eldest brother wanted them not to object hastily in order to destroy the third prince's trust in them again. It was obvious that the third prince intended to condone Zuo Si's expansion of power.
Therefore, the third prince was more concerned about whether this matter was feasible.
If they are eager to object now, what will the third prince think of them?
Seeing the third prince looking over inquiringly, Shen Yang glanced at Han Qian, pondered for a moment and said, "If we only raise 30 million yuan, Master Han may be able to afford it."
Hearing what Shen Yang said, Yang Yuanpu nodded and said to Han Qian: "This matter can indeed be accomplished, so just go ahead and make plans."
Li Zhigao frowned slightly, but seeing that Shen Yang said it was feasible, he couldn't say anything directly at this time.
Chai Jian, Li Chong and others led the guard battalion to escort the third prince back to the city first. Even if Li Zhigao, Zhou Yuan, Guo Liang, Zhang Qian and others had doubts in their hearts, they suppressed them for the time being and took their leave to go about the affairs at hand.
Shen Yang stopped Han Qian, stared at his face, and asked, "You seem to firmly believe that the winner will be determined within three years?"
"Since sir, you think I can't support such a big plate, why don't you tell His Highness directly?" Han Qian asked with a smile.
"With the current situation, I don't think you can survive three years, but with so many things happening in the past year, who knows what will happen in the next three years?" Shen Yang sighed lightly and said, "I hope Zuo Si After the situation becomes stronger, can you never forget your father's sincerity in treating the refugees infected by the epidemic?"
Han Qian did not respond to Shen Yang's words, but bowed his hands to Shen Yang, then got on his horse, and galloped towards the Qiuhu Mountain Villa surrounded by Zhao Wuji, Zhao Ting'er, Xi Yi and others who were disguised as men.
Facing the setting sun, riding a horse along the sidewalk on the east side of the Taoxi River to the villa, Zhao Ting'er couldn't help but ask: "Can the young master really support such a large-scale fundraising and such a high interest rate?"
"So what if I can't hold on?" Han Qian squinted at the sunset, which was no longer dazzling, and said with a smile.
"Sir Shen Yang actually thinks it's quite suspenseful, but why do I want to help you speak?" Zhao Ting'er asked.
"What do you think?" Han Qian turned around and asked Zhao Ting'er with a smile, and then said to Xi Rong who was listening attentively, "This is the question I asked you today. If you can answer it, you can almost stand alone. Already."
Xi Rong couldn't guess, but frowned and expressed disdain.
Zhao Ting'er frowned slightly and asked: "Why does Mr. Shen Yang think that you judge that there will be a victory or defeat within three years?"
"It's very simple. Mr. Shen Yang thinks that even if we play the trick of borrowing new and repaying old, we can actually only sustain it for three years," Han Qian said with a smile, "So Shen Yang thinks that I believe that we must fight for the heir within three years." Win or lose."
"So that's it!" Zhao Ting'er suddenly realized, "Three years later, when the three princes competed for the rightful son, Zuo Si won the battle, let alone 30 million yuan, even if Zuo Si couldn't support the 300 million yuan, it would be a trivial matter. When the time comes, it would be a big deal. Copying a few big houses will naturally wipe out the account; and three years later, the third prince's fight for the right to the throne failed, and everything was in vain. It was difficult for us to save our lives. Who cares whether we can support this plate? Maybe? Mr. Shen Yang also thinks so, so he didn’t make it clear to His Highness, right?”
"You are so irresponsible!" Han Qian laughed.
"Obviously that's what you think, young master, and you're blaming me again?" Zhao Ting'er said coquettishly.
"Humph, you all said that the Xinchang Houfu tried every means to control Zuo Si, how could you let you succeed so easily?" Xi Rong knew that if he really could raise money from this channel, Han Qian would never raise 30 million.
He stopped and saw that Han Qian and Zhao Ting'er, the master and maid, were so complacent that they couldn't help but attack them with words.
"Taking advantage of the situation, the momentum is unstoppable." Han Qian said lightly. As long as Zuo Si was still somewhat useful, he didn't think Li Pu and the woman in black gauze could stop him at this time.