In Pontianak City, the Pan family has a compound on their property here. Now Pan Ying has contributed this compound as the first office of Nanyang Company.

At the main entrance of the compound, signs such as "Nanyang Company Court" and "Nanyang Company Police Station" were hung up. A hole was made in the courtyard against the wall of the street, and the craftsmen built a storefront, and a sign reading "Nanyang United Trading Company Headquarters" was hung at the door.

Wang Xinyu was sitting in the company's headquarters, discussing the tax system and financial system of Nanyang Company with Pan Ying, when Aunt Liu walked in with her daughter.

"Aunt Liu? Why are you here again? Pan Ying stood up to greet her.

Aunt Liu asked, "May I ask how the interest on the loan from your Nanyang Company is calculated?" ”

Wang Xinyu raised his head and replied: "The monthly interest rate is two cents, for example, if you ask Nanyang Company for a loan of one hundred taels of silver, the interest will be twenty-four taels of silver after one year, and the interest will be one hundred and twenty-four taels with interest." If you borrow copper coins or gold, the same is true, and the annual interest rate is 204. ”

Aunt Liu smiled and nodded with satisfaction: "This interest is not high!" General Wang, the women of the people will take out a loan of fifty taels of silver now! ”

"Now?" Wang Xinyu was stunned, "Now our Nanyang Company Bank has not yet opened, and we will not handle loan business for the time being!" ”

"Then what kind of notice did you send, saying that to start a farm, you can find a low-interest loan from your Nanyang Company? What else is said to encourage breeding and planting? Aunt Liu asked with a disappointed face.

"What General Ben means is that when the Nanyang Company Bank is opened, it will handle the low-interest loan business and encourage everyone's enthusiasm." Wang Xinyu explained.

Aunt Liu suddenly cried: "God is pitiful! The daughters of the women are married! Seeing others reclaim wasteland and farm without paying taxes, I'm a lonely old woman, how can I farm! Can you go to open up wasteland over others? If I can't open a farm, I might as well die! ”

Wang Xinyu saw that Aunt Liu was crying very sadly, his heart softened, and he took out fifty taels of silver from his burden: "Aunt Liu, let's do it, the bank hasn't opened yet, so I will treat it as if the general lent it to you himself." However, it is a little higher than the bank interest. ”

"How much higher?" Aunt Liu suddenly stopped crying, her eyes fixed on the silver, and it shone brightly.

"It's five cents higher than the bank! That is, if you lend me fifty taels of silver, the interest for one month is one tael and five denarii, and the interest for a year is eighteen taels of silver. That is, in a year's time, you will owe me sixty-eight taels of silver. If you can't do it, you have to make a profit. What do you think? Does Aunt Liu borrow or not? Wang Xinyu said with a harmless smile on his face.

Aunt Liu snatched the silver: "Borrow!" Borrow, of course! ”

"Wait a minute, you borrowed my money, and you want to make a note!"

"Stand up! With such a low interest rate, why don't you borrow! Aunt Liu happily agreed.

But before writing the note and signing and pressing the handprint, Aunt Liu suddenly remembered a question: "General Wang, do you say that there is no tax for opening a farm?" ”

Pan Ying was about to speak, but Wang Xinyu replied first: "No, of course not!" This official encourages the development of agriculture and abolishes all agricultural taxes! ”

"That's great!" Aunt Liu signed her name, pressed her handprint, and left the company happily with the silver.

After Aunt Liu walked out of the company, Pan Ying blamed: "Wang Gongzi, Miss Ben hasn't spoken yet, so you have decided on your own, what farm does not collect taxes?" ”

Wang Xinyu replied with a confident smile: "Miss Pan, this question is not simple? Farming, like agriculture, is an invisible tax. She wants to raise pigs, chickens and ducks, do you want to buy feed and grain from us? She wants to sell her pigs, chickens and ducks, do you want to sell them to us? ”

Pan Ying snorted: "Who said that?" What if she asked other farmers to buy grain and rice bran to raise livestock and poultry? ”

"It doesn't matter, if she asks someone else to buy grain and rice bran, it won't have much money. The key is that we take care of the sale, she sells things, and we have income. ”

"What if she didn't sell it to us, but pulled it to the market herself?"

Wang Xinyu thought for a while and said: "We can set up a management office in each farmers' market, and those who enter the market to sell things have to pay a management fee." ”

Pan Ying asked again: "Then if she doesn't go to the market to sell, what if she sets up a stall to sell?" What are we going to do? ”

"Well, there you have it!" Wang Xinyu scratched his head, "Chengguan!" Let's build an organization called Chengguan! Those who set up stalls in violation of regulations and want to evade taxes will be confiscated and fined! ”

Chengguan was made out by me hundreds of years in advance! Wang Xinyu thought very funny in his heart.

Pan Ying's eyes turned crescent-shaped again: "Chengguan? It's a fresh name! ”

Wang Xinyu couldn't help laughing: "Yes, chengguan!" That's a symbol of invincibility! ”

"Invincible? Come on! Miss Ben knows what you mean, it's about dealing with small vendors! The imperial court collects a city gate tax, and when you enter the city to sell things, you have to collect taxes at the city gate. You, the city manager, just don't let those small vendors open! Pan Ying covered her stomach with a smile.

"It's not that you won't be allowed to open it, you have to pay taxes to open small vendors, as long as you pay taxes, you can open them. The chengguan is specially designed to deal with those small vendors who operate without a license and evade taxes. ”

Pan Ying stopped laughing, pretended to be serious and asked: "Since it is said that agricultural taxes are exempted, then someone starts a plantation, grows spices and tea, and what coffee, cocoa and rubber you talked about, then should they be taxed?" ”

"That has to be taxed! Because plantations and agriculture are not the same, it should be said that they are plantation capitalists. Since factories have to pay taxes, plantations must have to pay taxes. ”

"If the plantations have to pay taxes, then the farms don't need them?"

Wang Xinyu thought for a while and replied: "Don't collect it for the time being, and when they become bigger in the future, they will definitely have to pay taxes." ”

Then the two discussed that if someone wants to start a company and open a store, Wang Xinyu proposed: "Commercial tax must be paid, this general is not Chongzhen, what commercial tax is one out of thirty, and in the end there is no need to pay it, it is precisely because the commercial tax cannot be collected, so there is no silver to go to disaster relief, and there is no silver to pay military expenses!" ”

Pan Ying asked, "Why is Gongzi so generous to the peasants, but so harsh to the merchants?" Our Pan family also started out in business. ”

Wang Xinyu replied: "Even if the agricultural tax is high, can it be higher than the income from the commercial tax?" Agricultural taxes are high, and farmers can only rise up! In the end, we are out of luck! And businessmen, in fact, have made enough money, so much that they can't spend it all, what can they do in the end? Give it to the Tartars? Or will it be brought into a coffin after death? Leave it to the children and grandchildren, there is a saying that there are no more than three generations of wealth, and the descendants will only lose the family property. At the same time that General Ben collected commercial taxes, he was also developing commerce, developing industries closely related to commerce, and opening up a financial industry, so as to promote more prosperous commerce. Take our Nanyang Company as an example, if we stop like this, sooner or later we will be eaten by the East India Company of the British and Dutch! Even if they don't eat us, but we can't develop, we don't have soldiers in our hands, what will happen when they use force against us? We are vulnerable and slaughtered by them in vain! What I want to do is to change that! ”

"The concubine understands the hard work of the son!" Pan Ying listened attentively, and suddenly said a blessing.

"Miss Pan, you?" Wang Xinyu had never seen her give people all blessings, and Pan Ying's action just now made him startled.

"It's okay! It's just that Childe said it too well! Pan Ying felt that her eyes were a little red.

Wang Xinyu suddenly gave Pan Ying a hand: "In a few days, I will go back to Xiamen." When you go back, you have to go to Manila for the first general meeting. Here in Borneo, as well as the industries in Dingguo Bay in the future, all have to work for your Pan family! ”

"Please don't worry! There are grandfathers and concubines taking care of them here, please rest assured! Pan Ying replied with a thousand blessings.

Looking at this delicate, moving, lively, cute, and talented girl, Wang Xinyu really likes it very much. You must know that in the future, you will develop in Nanyang, but you can't do without the help of the Pan family, this girl is so talented, she must be her right-hand man. But thinking that he was already engaged to Miss Zheng, he couldn't be wronged by Miss Pan to marry as a concubine, right? That's too insulting for this talented woman.

Beautiful, intelligent, extremely strong language skills, able to speak more Chinese, and very business-minded, such a woman, if placed in the future life, must be a high-achieving student graduated from Harvard Business School! I can easily complete the finance major. Such a person, if she is in the next generation, will definitely be a strong woman. How many strong women are there who can be worthy?

There were not many people from Nanyang Company who came to work, and the kitchen here did not open the fire, and the two returned to the barracks for dinner at noon.

After lunch, the aboriginal came again in the afternoon.

"General Wang, Miss Pan! The villain has inquired about the tribes that often come to raid your village! They also have a copper mine over there! "The eighth day of the first month, the "Indonesian traitor", has completely fallen to the Han people, and he is desperate to do things for Wang Xinyu, in order to be able to get more rewards.

After listening to Pan Ying's translation, Wang Xinyu patted Chu Ba's shoulder with satisfaction: "Good job!" As long as you do your best, I'll give you more rewards! Also, it's time to learn Chinese! ”

Although he couldn't understand Wang Xinyu's words, Chu Ba was so moved that he almost cried because Wang Xinyu patted him on the shoulder. After listening to Pan Ying's translation, Chu Ba promised: "Please rest assured! I will definitely learn Chinese! I will do better things for the general in the future! ”

After receiving the report of the eighth year of the first month, Wang Xinyu decided to immediately send troops to launch an attack on one of the largest tribes in Sulu Shengfan.

That tribe is by the river, originally this river was called the Capuas River in later generations, and now it is also named Cangshui River by Wang Xinyu in advance, named after Mr. Cangshui by Zhang Huangyan.

Because the Shengfan tribe was located in the riverside forest, Wang Xinyu decided to advance by land and water to exterminate this barbarian tribe that had killed many Han people in one fell swoop.

As a large-scale military operation, Wang Xinyu demanded that the recruits must participate in the operation, and the recruits fought with the navy and landed under the cover of naval fire, so that these recruits could kill people and see blood.

The army of the Nanyang Company escort unit set out from Pontianak Port on a small naval warship, along the Cangshui River, and went upstream. When there were still five kilometers to go from the Nasheng tribe, the army veteran in charge of the land attack disembarked and entered the forest, making a detour from the path, cutting off Sulu Shengfan's retreat into the depths of the jungle.

The pro-soldier team, the Spanish mercenary team and the Pan family Ding team entered the depths of the jungle, and under the leadership of the "Indonesian traitor" of the eighth month, they found a way out of life and ambushed it.

The Cangshui River is in the Sanggao area, forming a zigzag. This tribe is surrounded by water on three sides and primeval forests on one side. They thought that their terrain was easy to defend and that the other tribes would not be able to penetrate through a narrow path. Surrounded by water on three sides, this tribe has the most powerful sailors in the region, and there are a large number of canoes cruising the river, and other tribes simply cannot set foot on their territory. But in such a terrain, when he encountered Wang Xinyu, who had a small gunboat in the navy, it became a dead place.

In the evening, the Sulu people, who had just robbed other tribes, returned to the camp happily with their captives and began to make a fire and barbecue. The captured people of the other tribes were tied to wooden stakes, and the victors cut open their stomachs with knives, dug out their hearts and livers, and roasted them on the fire. Then the flesh was cut and roasted on a bonfire.

"There are enemies!" Suddenly, a native soldier who was standing guard by the river shouted.