"Yes, but I don't like to harass the folks, let's get down to business." Wang Judao.

There were many officials in the Song Dynasty who were also close to the people, and they went to the mountains and countryside to see the common people, but there were still very few people who could really talk to the officials.

Zu Yang was a little dizzy.

He didn't believe how important his industry was, or that his life and death were on the heart of the young Zhizhou in front of him. Huai'an Town is a little better, you must know a little further, which mountains and valleys are not dyed with blood.

Wang Ju seemed to see his thoughts, and explained simply: "Gyeongju has many mountains and few rivers, although the water and soil are not as bad as those of the security army in my hometown, and it is also a place of poverty. Gyeongju will never get better if you want to dig out anything from this yellow mud field, so I hope you can bring the villagers to get rich together. ”

"Know...... The little ones don't have that ability. ”

"One person definitely doesn't have that ability, but when there are more people, Gyeongju will get better. Let's get down to business. You are currently encountering some difficulties, this is okay, because you have developed it yourself, so you know better, this technology is in your mind, as long as the conditions are sufficient, you can make a comeback. Therefore, on behalf of the government, I will give you a chance. ”

Zuyang's beautiful wife didn't cry anymore, she didn't think of Wang Ju's identity yet, and she was also thinking, why is this little general talking so bullish?

This time, the soldier's table is good, but a young general, how can he represent the government?

Wang Ju didn't care what she thought, he was too short of time, and quickly said: "In the future, the government can lend you 3,000 to 5,000 yuan, with an annual interest rate of one cent, and ten years to repay." Of course. You can repay it early. There is no interest paid if you repay it. If it is said that half of it is repaid early. Only half of the interest will be paid. I may send someone to sign this contract with you in person in the future. ”

"A penny?" Zu Yang didn't believe it.

In fact, the interest rate of the people in the early Song Dynasty was not high, but with the prosperity of the economy, there were more people who lacked money to do business, and the interest became heavier and heavier, and then usury arose.

Why would you borrow usury, think about the time when a person did not encounter difficulties in his life. In the most difficult time, knowing that usury is a fire pit. Jump down too. You even begged someone to let it go for you.

Therefore, there has always been a market for usury, and even if a thousand years later, there will still be usury among the people, and this gray area is a cancer that cannot be eradicated.

As a result, the tide rises and the interest rate becomes heavier and heavier.

However, Wang Ju knows very well that no matter what industry, if it can increase its income by 20% every year and recover its costs in four years, it can be regarded as a profitable business. Just like investing in cultivated land, the average price of one acre of land is three dollars. Rent it out and collect half of the rent, and get more than one stone of food. Corn and rice may only add up to 100 yuan, and the investment ratio is 20 to 1, 5 percent of the income, and if the two taxes are paid fairly, then there is only 2 percent of the income!

But now the interest is often light, so often six or seven out of ten borrow money, can't afford to pay it back, so the borrower does not dare to borrow, and the borrower can only find a loan shark to borrow, and then borrow is ...... Die!

Therefore, a cent of interest is a reasonable loan interest, the borrower has hope, and the lender can also recover more than ninety percent of the loan.

Of course, Wang Ju didn't need to explain to Zu Yang, he continued: "Could it be that so-and-so will talk to you. ”

Zu Yang's wife said on the side: "May I ask the general, where is your surname?" ”

Wang Ju's guards laughed again, and the little general who dared to love became a big general.

"Sister-in-law, my surname is Wang."

"General Wang, you serve as ...... Damn, the concubine has a lot of mouths, and the concubine will pour you tea. "In the end, it's the businessman's family, and he has a little knowledge, and his husband knows it, but this pretty guy is reluctant to say, why do he ask.

"No......" Zu Yang wanted to stop it, and the valuable things in the house were moved away, and there was only a bag of old leaf tea, which people would drink.

"Then bother my sister-in-law, we are in a hurry and are a little thirsty, but just cook it, don't add rice noodles, ginger and shallots." Wang Ju said.

He really doesn't care about eating tea, even if he is given the best tea cake and boiled with rice flour, green onions, ginger, fennel and pepper, he can't eat it.

"Okay."

"But you have to promise me a few conditions," Wang Ju continued to get down to business.

"Please give me orders."

The two titles that Wang Ju hates the most, one is the prince, who makes himself look like a seventy old or eighty. There is also a Lao Tzu, you dare to call Lao Tzu, I dare not accept you boys.

But what to do, we can't go any further, we have to make things clear quickly.

"The first one I hope you can set up a conscience workshop, before I came, I also sent someone to secretly inquire about you, and I usually do it decently, otherwise I wouldn't have come today."

Wang Ju used to leave an excellent reputation in Hwachi County, but Gyeongju has nothing to do with Hwachi, and over the years, because Gyeongju is important, they have sent important ministers to serve as governors, and in general, eighty percent of the officials are good, so Zuyang did not have a special reaction to Wang Ju's words.

"But people change, especially after getting the support of the government, some people will change immediately."

"I won't."

"You will and I am not afraid, because the first thing to talk about is this, the government gives you low interest, I hope that you will drive some people to change their wealth and benefit more villagers, so I hope you will draw up a specific salary for employees, as well as the production time of employees, maybe sometimes the order is tight, that needs to extend the production time, I can also understand, but the extension must have appropriate subsidies, in addition, if the employee has something at home, I have something, whether to grant leave, etc., you must think about it, write a charter. But remember, it must be something you can do, a win-win situation, what is a win-win situation, that is, it can benefit the villagers at the same time, but also for your profit, not to bring you a negative burden. And this should also be written on the contract, so you can't make too high promises. Got it? ”

"The little one understands," Zu Yang said excitedly, this is a good official who is reasonable.

In fact, this matter would be much more troublesome than he imagined, but Zu Yang didn't know it.

"The second thing is not to evade taxes, but you don't have to worry, I will talk about this tax issue when I go back to Gyeongju City this time." Wang Ju said.

The Song Dynasty commercial tax was simple. Walkers are cargo. It's called 'over-taxation'. Twenty for every thousand; The resident market is called 'housing tax', and it is counted as 30 per thousand yuan.

Translated into the vernacular, the merchant who trafficked in the goods was taxed at the price of the goods he carried. For each goods sold, the merchant (mostly referring to the producer and the seller) pays 3% of the selling price, which is called the residential tax.

So where to pay the tax. It is to pay at various checkpoints or at the site where the business tax is levied.

However, the fact is that this is not the case with the law, and the rich and powerful businessmen do not pay almost a penny of business taxes, but the powerless and powerless businessmen are often repeatedly blackmailed and extorted by the officials and officials, and they sell a thing, pay 3 percent tax, and often have to pay 2 percent tax, and the merchants are also blackmailed to pay the tax. Then often a county and a township are placed in a field of harsh work, from Gyeongju to Chang'an. Can pass dozens of field affairs.

But we can't help but do business, so everyone is crooked together.

So Zu Yang listened. The bitter gourd raised his face.

Wang Ju said: "After I go back, I will put down a cloth and post it in all the prefectures and counties, and all the merchants in Huanqing Road will refuse to pay any other taxes, including taxes, after paying a tax. Merchants operating in the state only have to pay one tax, and if a government official forcibly collects more than two taxes, they can come to Gyeongju City to complain, and the government will compensate them with double the amount of the tax they levied. All merchants in the territory of Huanqing Road, who do business in other states, as long as they are legal operators, only need to pay two taxes, they can do business in any of the military areas of the five states in the whole territory, and anyone who is harsh can sue in Gyeongju, and the compensation is still double. ”

"That's great, the small ones will definitely not evade taxes," Zu Yang said overjoyed.

"The third requirement is that this batch of loans can only be used for the operation and development of your workshop, and cannot be diverted for other purposes under any pretext, otherwise it will be dealt with as a crime of defrauding the government of money."

"Can you pay it back?"

"It is also permissible to repay debts, but only to repay debts owed for the operation of the workshop, but not to repay foreign debts owed for other reasons under any pretext."

"I'll abide by that."

"In addition, I have two Jianyì, you can listen to it, you can not listen to it."

"The little ones don't dare."

"The first item is that the pattern style you weave is very inappropriate, although the skills are good, it can only be said to be barely improvised, so if you listen to my advice, I will hire a few skilled craftsmen from Xiazhou for you, but you must be kind to others."

"Thank you, little Laozi," Zu Yang knelt down suddenly. This is built yì, is it clearly a strong support?

The main current officials do not have this concept, and they are even ashamed of touching businessmen, but in fact, nine adults are more greedy than Wang Rong, a prodigy who does not eat plums on the roadside at the age of seven.

In addition, when they read Confucianism, they did not understand the role of commerce, and even thought that the people who worked in the city and the merchants were floating people, and only the peasants who grew grain in the fields were the real good people.

So it was a normal move in Wang Ju's heart, but it moved Zu Yang.

"You get up, and I and I build the second one, now you first resolve this crisis, if the economy improves in the future, you can send your family in the winter, or go to the south yourself to have a look, in Quang Nam the Li people are very skillful, can weave kapok into fine cloth, you can further improve this skill, and then weave wool into thread."

"Wool woven into thread?"

"Well, of course, it doesn't need to be as thin as a silk thread, it can be a little thicker, and then you think about what it means if this thing comes out?"

Again, it's a matter of fiber.

So bamboo paper making technology is very complicated.

Similarly, it is very difficult to weave short-staple cotton cloth nowadays, so it is even more difficult to weave wool into cloth, but it is also possible to mix silk and twine into it for blending.

However, once it is done, it is no less than a small industrial revolution.

"There will be very warm clothes."

"Yes," Wang Ju said, in addition to having very warm clothes, there are also sheep eating people. But in the Song Dynasty, it didn't need to be like that, on the contrary, it would have a good positive effect. In order to make a profit, there would be many powerful people who spontaneously pushed the imperial court to expand west and north in order to obtain more pasture for raising sheep. It's not like now, before the fight is made, there are people in the rear who are pulling their hind legs.

In fact, because of the changes brought by himself and Wang Anshi's changes, in a few years, he will have enough financial resources to support the continuous war, and even if he loses, he can continue to fight.

When the time comes, the Western Xia will also be consumed to death.

However, this technique is a bit complicated, and there is some luck in it, so Wang Ju said: "If you can succeed, I can exempt you from all taxes for ten years, of course, maybe I will not be in Gyeongju at that time, but I can write this article on the contract." If any official does not carry out, you can go to the capital to appeal. If you are afraid, you can also write to me and I will appeal on your behalf. ”

"The little one dares to ......" appeal to a Zhizhou? Zu Yang didn't have the courage of the Ding family back then.

"It's not that you dare or not, but that you, as a citizen of the Great Song Dynasty, are maintaining its credibility for the imperial court, and if a country loses its credibility, it can't make the people believe it, and the edict can't be implemented. But...... Forget it, so if you succeed, you can write to me and I'll take care of it then. But this article is also a construction, if you don't adopt it, I won't blame you. ”

"The little ones are willing to adopt."

It happened that Zuyang's daughter-in-law had boiled the tea, Wang Ju and the guards drank a bowl of it, and then each put down the big thick bowl, and said: "That's good, you have thought about it, you have written, go to Gyeongju City, I guess I will go back to Yanzhou again, but you can find Zhang Tongju, and he will take full authority to deal with your matter." ”

After speaking, he took a group of guards and left.

The grandmother asked strangely, "Husband, who is he, what a big breath." ”

"He is the rumored Wen Kuixing, Wu Quxing, the new Zhizhou."

The dare is also two stars in one.

"My mother," the grandmother fell to the ground in fright, then stood up and said, "Zhizhou wants to help you, quick, prepare incense and candles, and go to the ancestral grave to burn incense." ”

"Okay," Zu Yang said.

At this moment he became energetic again.

The couple went to Huai'an Town to buy incense and candles with the only money left, and the grandmother asked on the road: "Husband, that Zhizhou is so handsome." ”

"Husband, what a little Zhizhou."

"Husband, he really doesn't have a shelf, and I have eaten the tea at home."

"Husband, how can he help you?"

"Husband......

"Okay, don't say it, he's a good official." Zu Yang said helplessly.

Wang Ju is not as good as they thought, or the couple is in a good life, because Wang Ju is about to do an important thing, and they happen to meet...... (To be continued......)