"Dai Gong, let's talk about repayment first. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 infoThere are borrowing and repaying, and it is not difficult to borrow again. Li Chao crossed Erlang's legs and said with a smile.

Dai Xuan was a little unhappy, if the court wanted to pay back the money, why bother to talk about borrowing money again. He came to talk to Li Chao about borrowing money, and he had already put down his face, but Li Chao didn't give him any face.

"Zhao Guogong and Xu Guogong, both of you were the secretary of the household department before me, don't you know better than me how many families the imperial court has? If the court really has the money to pay it back, why should it borrow it. ”

Li Chao didn't care about this, "Dai Gong, this is not how things are done, you have to talk about the rules." The court has no money, so we have to come up with a charter without money. Let's talk about repaying the money first, and then it's not too late to talk about borrowing money. ”

Dai Yan blew his beard and glared, "What kind of charter does Zhao Guogong want, just say it." ”

"The money bank is open to do business, although it is said to do lending, but this money is actually the capital of the people in the money bank, the money village itself has no money, we take the money of depositors to lend, but also bear a great risk, can only take out a small part of the loan, we have to take into account that the people want to withdraw money at any time. If the people who borrowed money are like the imperial court, and they don't repay the borrowed money, then there will be a lot of bad debts in the bank, and it will be extremely troublesome at that time. ”

"But the court really doesn't have the money to pay it back."

"It doesn't matter if you don't have money, we can find other ways to solve it."

Money banks don't lend money casually. Generally, it is a mortgage loan, and you have to have a mortgage to borrow money. In this way, if it cannot be repaid when it is due, the bank will collect the collateral. Only a very small part of the loan will rely on credit, and generally this kind of loan is a large business or big family with excellent credit.

In the past, the imperial court borrowed a lot of money from Li Ji Qianzhuang, which was basically a credit loan.

Li Chao's meaning is very clear, the court has no money to repay, and it is impossible to borrow without collateral on credit, and not only can it not borrow again, but what it borrowed before must also be repaid with something as collateral.

"How many solutions can I provide to Dai Gong here, Dai Gong should consider it?"

"What's the plan?" Dai Guan's current household book has no money, and it is impossible to repay the money anyway.

"Considering that the imperial court really has no money to pay back now, then we can use other things. For example, the imperial court could use mines, salt works, and even ports to repay loans. Li Chao threw out his own solution.

Dai Xuan's eyes lit up.

That's one way to do it.

The imperial court has no money, but the most important thing for the imperial court is those mines and other things, if Li Chao proposes to ask the imperial court to repay the land, Dai Zhou will not agree, the land is still very sensitive, but the mines are not so sensitive.

"What mine does Zhao Guogong want to take?"

The 3.8 million yuan of Li Ji Qianzhuang owes money, and Dai Xuan is eager to repay it all with mines, etc., of course, he will not sell it cheaply. If he could, he was even willing to exchange the more than 3 million bonds in Li Ji's hand with the mines and other mines.

Li Chao knew that Dai Xuan would agree.

Real money for the barren mountains and mountains of the imperial court, why didn't the imperial court agree.

He had already prepared and took out a map.

"Salt, iron, coal."

Li Chao's first target is these types of minerals, such as the salt lake salt mining contract rights in Shuofangdao Yanling and other prefectures, and even the salt mining contract rights along the coast of Hebei, Liaoxi, Suiyuan, Huainan, Jiangdong, Lingnan and other provinces.

In addition, there are also coal and iron ore contract mining rights in Shuofang and Hedong.

Li Chao directly began to plot on the map, there were a total of ten salt farms, all of which had been explored a long time ago. Coal mines and iron ore have also been explored for a long time, with a total of more than a dozen mines.

"A hundred years of contracted mining rights."

Dai Xuan looked at these circled places, pondering.

He felt that he was a little unprepared today, but Li Chao was obviously prepared.

I always feel that this deal seems to be a good deal for the imperial court, but it is actually a loss.

"A hundred years is too long."

"Dai Gong, I am very sincere, these salt farms and mines I have carved out have not yet been developed. For the imperial court, it was nothing, there was no loss at all, and the loan of 3.8 million yuan was offset, not counting the interest, adding up to more than 4 million yuan. ”

"When we take these wastelands, we have to build and develop roads ourselves, and the initial investment is a big number. Can't we work hard to develop, just two years later, the imperial court will take it back and enjoy its profits, right? ”

"A hundred years is still a little too long."

"Dai Gong, I haven't said that I want a permanent right, but I just want a 100-year contract. In fact, if you think about it, this is a real win-win cooperation. First, the imperial court exempted more than 4 million loans, and secondly, after the development of these salt farms and mines, we still paid taxes to the imperial court. ”

Dai Xuan admitted in his heart that Li Chao was right. But from another point of view, the Li family didn't do a loss-making business, who doesn't know, the Li family has been doing a lot in the industries of salt, tea, sugar, wine, and steel.

It is true that the imperial court has a strong control over salt, but it still implements the principle of civilian officials collecting and selling goods. Salt was produced by the common people, then purchased by the government and sold to merchants.

The imperial court set up a special salt company, and also issued salt stamps for the people to subscribe to raise funds, and issued salt bonds. As far as Dai Xuan knew, Li Chao held a large number of stocks and salt debts of the salt company.

At the same time, the salt company of the imperial court issued salt quotations, and because of the lack of money, many salt quotations were issued early. Now, the Li family holds the most of these over-issued salt leads.

Therefore, the current Li family is actually the largest salt merchant in Datang.

And now the Li family is obviously no longer satisfied with selling salt only for the imperial court, they are also preparing to produce salt directly. Although Dai Zhou felt that under the salt monopoly system of the imperial court today, the salt produced by salt merchants had to be sold to the imperial court, and then uniformly dispatched, and it was impossible to see the role of the Li family in directly controlling salt production, but he still felt that Li Chao's move was of great significance.

Iron and coal are even more important.

The Li family's iron-smelting and steel-making have the most advanced smelting technology in Datang, and the ability to smelt hundreds of catties of molten steel in one furnace is incredible. It is said that the most important of this steelmaking technology is open-hearth and coke.

The open-hearth furnace is said to be very complex, the furnace body is huge, and there must be a regenerative flame furnace and so on, but the key is to use the coke processed from coal as fuel, otherwise the temperature will not rise.

Li Ji's iron and steel factory has greatly increased the output of Datang Iron and Steel, especially the output of steel, high-quality steel, which has greatly improved the armament performance of the imperial court, and the performance of armor, knives and guns has been greatly improved, while the cost has also decreased, and more importantly, the output has increased.

Even farm tools such as plows, rakes, hoes and shovels, as well as utensils such as pots, pots, and scissors, are more elaborate and cheaper. The steel and tax revenues provided to the imperial court every year are quite staggering, and this is the workshop that the imperial court focuses on. Even because of its extremely advanced technology, some officials in the imperial court once proposed to buy this steel mill as an official property.

If it weren't for the fact that this steel plant belonged to Li Chao, maybe it might really be owned by the official.

During the Sui Dynasty, the imperial court once stipulated that all mining rights should be nationalized, and the operation was carried out under the Yao service system. However, in the Tang Dynasty, private mining was allowed and the government collected taxes, so the mining and metallurgy of the Tang Dynasty was actually very prosperous.

However, the technology at this time was very backward.

Datang now has 104 iron mines and 62 copper mines.

The annual output of iron in the imperial court is only 2 million catties, and the annual output of copper is only more than 260,000 catties, and as for steel, it is even more low.

Li Ji's iron and steel factory, although it has just started, but the output is already very amazing, especially the output of steel is very large, a furnace can get hundreds of catties of steel, and now Li Ji can make more than 100,000 catties of steel a year.

In the eyes of the imperial court, this is very amazing, but in Li Chao's opinion, this is only a thousand tons of steel output a year, which is too low.

Originally, mining could be done privately, and the imperial court only collected taxes. However, under Li Chao's previous proposed reform, mining can no longer be mined casually, and it is necessary to obtain the permission of the imperial court first, issue a license for mining, and then have to pay a contract fee for mining fees, and also have to collect taxes.

Taxes on minerals are also special, and they are not collected but paid in kind. Iron mines have to pay iron, and coal mines have to pay coal, and basically the tax amount is about two to two or a half.

The imperial court's expropriation of iron ore is two into five.

Datang produces more than 2 million catties of iron a year, which is basically mined by private individuals, and it is controlled by those wealthy families, and the imperial court collects more than 500,000 catties of iron a year.

At the same time, because of the minerals such as steel, iron, copper, silver, gold, sulfur, nitrate, alkali, etc., in addition to paying two to three percent of the tax to the imperial court, the rest cannot be sold at will. It has to be sold to the imperial court, which is the same as salt.

The government buys it at a flat price and then sells it.

This kind of practice is a means of accumulating wealth when the official has fallen, and it is very cheating on the father.

For example, a workshop that produces iron pots and other products, they can't buy iron directly from those iron ores or something, but have to buy them from the government.

In fact, only for steel, Datang's demand is huge. The ordnance of the imperial court, the agricultural tools and tools of the common people, etc., all required a large amount of steel.

Because the yield is too low, many people's agricultural tools in the past were only wrapped with a little iron. Even the pots used for cooking, there are many people who use clay pots, etc.

In terms of price, it is also high.

The increase in steel production will of course greatly improve the production level of the entire Datang. Li Chao's steel industry is not only because he makes money, but also because it is an important industry to enhance Datang's basic national strength.

Before, the imperial court only produced 2 million catties of iron a year, but in the Northern Song Dynasty, it could produce 8 million catties of iron a year, in the Southern Song Dynasty, it could produce 20 million catties of iron a year, and in the Ming Dynasty, it could produce 890 million catties of iron a year.

The substantial increase in steel production can comprehensively enhance the national strength of Datang, and Li Chao intends to let the imperial court offset the borrowing with the mining fee of the iron ore contract, which is a win-win situation.

"I also have one more request, the mining tax of the imperial court will be reduced from two and a half to one percent. The mining tax of two and a half percent is too high. Correspondingly, we are willing to increase the contract fee a bit. ”

"The total of 30 salt works, iron mines, and coal mines I set aside just now, and the 100-year contract rights and mining fees, offset the 3.8 million yuan loan and hundreds of thousands of interest borrowed by the imperial court from Li Ji. Dai Gong, what do you think? ”

Dai Xuan quickly calculated in his heart, these thirty mineral salt farms, just the contracted mining fees, Li Chao was actually willing to offset the loan of more than 4 million, and the imperial court was obviously very cost-effective. You must know that before, there was no need for any contracted mining fees, and the imperial court only collected taxes.

Of course, Li Chao demanded that the tax be reduced from two and a half percent to one percent, which was a bit drastic. But if you do the math, it's still a good deal. Just the huge contract fee, the imperial court earned it.