Originally, farm work could be done like this? The cow is strong and the pig is fat...... I'm afraid that by next year, just these outputs, you are afraid that you can at least be able to dismiss tens of thousands of dollars, if you add eggs, cheese and other by-products, tsk, the old man can be said to be an eye-opener. By the way, virtuous son-in-law, can you promote these? ”

Uncle Li's eyes were shining, his expression was flying, and Li Zhi, the prince on the side, was also a little shameless, holding a cucumber in one hand, chewing it here and biting it there, and I didn't know that this little kid had just eaten enough, where did he have such a big belly.

Uncle Li asked, and I had to fight my spirit: "Naturally, it can be promoted, after all, these things are available to all farmers who make a living from farming, and those rich landlords and wealthy households, if they follow the methods of their son-in-law, if nothing else, at least their income can be increased several times." ”

"Oh? Hehe, the old man believes in you, but the virtuous son-in-law, if you act according to your law, isn't it that the rich get richer and the poor get poorer? What about the poorer and poorer households? Uncle Li stopped eating cucumbers and asked me with a frown.

"Naturally, the inferior households also have a way, and the son-in-law is negotiating an agreement with the village households of three villages in the north of Weinan, two villages in the west, five villages in the east, and one village in the south, totaling eleven villages." I smiled slightly, quite confidently. Ben Gongzi's circular ecological agriculture has aroused the confidence of the people of Weinan in me, the county magistrate.

In order to enable the overall economy and agriculture of Weinan County to develop rapidly, I organized each village according to the size of the fields it produces, as well as cattle, pigs, chickens and ducks, etc., and the government provided technology, and this son was planning to set up a local money bank in cooperation with the local gentry, providing loans to buy and sell materials and build various related buildings.

The duration of the cooperation is five years, and from the first year, 30% of the annual profits are used to repay the loans of the bank, and the government does not charge for the technology. In this way, the people of the whole village will naturally be able to get rich collectively.

------------------------------------------------ "Money line? What is this? Uncle Li squinted his eyes with curiosity, even Li Zhi, who was standing next to me, was also curious, because now in the early Tang Dynasty, there was no professional financial institution specializing in deposits, loans, exchanges, savings and other businesses and acting as credit intermediaries. Most of them are privately borrowed and hostaged. It's like I borrow money from you, and we go to the government to testify, and then pay you a few percent of the interest every year, which is actually usury.

The origins of usury predate the banks because people knew how to use money to increase money for a long time, but the state lacked a standardized management method. It was not until the late Tang Dynasty that bank-like money banks appeared.

Uncle Li and Li Zhi don't know what money is, and I can certainly understand that. I began to explain to Uncle Li and Li Zhi: "What is a money shop? Well, to give you the simplest example, my father-in-law, your money is not safe at home, what should I do? Then you can deposit your money in our Weinan money bank, here, not only do we not charge you a storage fee, but also pay you interest. The interest rate of the deposit is divided into several kinds, the lowest is the demand deposit, which is 0.5 percent, how you save a one-year fixed deposit, that is, 0.8, save two years 1.15, save three years...... By analogy, the maximum term is currently three years, after which your term will be automatically converted into a demand deposit, and when you come to withdraw your money, we will hand over your money and the interest that should be paid to you. ”

Uncle Li and Li Zhi glanced at each other and tilted their heads: "Virtuous son-in-law, aren't you full of food and holding on?" I gave you the money for safekeeping, but you gave it to the old man? You, I said virtuous son-in-law, the old man just praised you, but who would have thought that in a blink of an eye, you got such a money-losing thing for the old man, you really burned too much money? "Uncle Li's hatred of iron is not steel, and he bitterly wants to persuade me to abandon evil and follow good, which makes me really cry and laugh.

"Father-in-law, don't worry, son-in-law, this is not finished yet. You see, if people come to us for a loan, the interest rate is naturally different from deposits, the interest rate of short-term small loans starts at three percent, and the small amount means less than ten percent, and long-term loans start from one year, the longest term is five years, the interest rate of one-year loans is five percent, and five-year loans are ten percent...... "I explained to Uncle Li in detail what I understood.

What is the most stable way to make money in the future? Banks, at least in my eyes, banks make the most stable money, not to mention anything else, the difference between a loan and a loan, is definitely a transaction without capital, you think, as long as you have a certain amount of cash flow, and then borrow and lend down, just eat the difference, how much? A classmate of mine who works in a bank once said that in this world, protected by national policies, what is the most profitable? It is the financial industry, but unfortunately we are only shallow in our studies, and we only have one point and concept for the financial industry, but we also know that banks are the pacesetters of the financial industry.

The more Uncle Li listened, the more he listened, well, the main thing was that he seemed to be fresh and curious about my idea, and asked in detail. In the end, Uncle Li narrowed his eyes: "Then how does this money bank pay taxes?" ”

"This requires special auditors to verify the accounts of the money bank, and according to the profits obtained, the son-in-law thinks that this emerging industry is finance, so the tax rate payable must not be like the previous field tax and property tax, and the son-in-law thinks that the tax should be paid according to the proportion of 20 percent and handed over to the state."

Li Zhi took a breath of cool air: "Twenty percent, isn't that five taxes and one?" Brother Jun, are you really willing to do this? ”

I glanced at Li Zhi: ", why don't you do it, Your Highness, you think, except for the initial reserves, it is almost a transaction without capital, but the money bank of the son-in-law is still on paper at present, and it has not been really implemented, I just want to ask Your Majesty, if Your Majesty agrees, the son-in-law will implement it." ”

Five taxes and one is very high, right? Well, aren't you afraid that Uncle Li and the court will not agree? After all, we know how difficult it is for emerging industries, and this kind of financial enterprise must first be recognized by the state, otherwise, do you think that if you open a money bank like hanging doors, the country will ignore you? It's no wonder that I don't slaughter you like a fat sheep.

For the money bank, I already have an idea, but the current stage of Datang currency circulation is insufficient, so my wish has been shelved, but now, this son governs Weinan, to carry out, it is necessary to carry out financing, in order to improve the overall economic strength of Weinan, expand the development of Weinan, but we are not saints, and it is good to eat and drink. You can't borrow money for nothing, can you?

------------------------------------------------In addition, the average interest rate of private loans in the Tang Dynasty was more than 30%, which was simply usury, and I could not adopt this kind of loan model in order to develop Weinan, so I decided to use this method to do it.

"Five taxes and one?" Uncle Li picked up a scattered vegetable leaf from the ground and played with it in his palm, his eyes were full of incomprehensible light, everyone didn't speak, and I didn't dare to speak, for fear of interjecting, if Uncle Li was displeased, the old guy didn't agree, what should I do?

Uncle Li threw the vegetable leaves into the bucket to wash after a long time, and then put them in the vegetable basket on the side, and then sighed: "The old man also knows that the people of our Datang are bitter, every disaster year, they will inevitably borrow from the landlord to buy grain seeds, but often all year round, the income obtained, but it is difficult to bear those usury, one and two, more than three or five years, the people can only sell the land and survive, I am the son of the Tang Dynasty, but it has always been bitter and unscrupulous, but now I say, the idea of the virtuous son-in-law, It opened a new way for the old man. ”

Look back at me. "This is not a place to talk, go to your house and talk to the old man about this strategy."

Without further ado, I rushed to my house with Uncle Li, and after a short time, I arrived at my home in Weinan, and after sitting down, except for me, Uncle Li and the prince, there was only Zhao Kun, the head of the bodyguard, left, and the rest of the people were naturally all outside the house and were not allowed to enter.

I gave Uncle Li and Li Zhi a thick stack of ideas about the establishment of a money bank that I had thought about for a long time. On the one hand, explain to them some new terms and places that they find difficult to understand.

“…… The son-in-law also has a suggestion, I hope that my Datang can set up a relevant audit agency, which can not only audit the use of my Datang projects, but also audit institutions such as the money bank, so that the money bank does not dare to evade taxes, and every year the money bank must report its loan statement to the state capital or Chang'an, of course, it should also be randomly checked to the local area at any time to verify the authenticity of the report...... "I talked eloquently on the side, money, we have long been enough to spend, I am afraid that it is the money of my son's family, It's enough for my family to sit at home and eat delicious for hundreds of years.

Money is just a number for me, I only hope that in my lifetime, I can see Datang under my tutelage, the more solid the steps are, and the road is wider.

(To be continued)