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"Are General Li kidding us?" Gao Mingyue, the butler's sister-in-law behind the screen, could no longer bear it. Most of Yi Feng's family was under her control. Yi Feng had told her that the Huaihuang army could not digest so much, so he would leave behind 30,000 horses for several cavalry battalions. In this way, the cavalry of the Wuzhou army could have nearly 50,000 horses. This number of war horses could not only allow the cavalry battalions of the three field troops of Wuzhou to be equipped with sufficient war horses, but also allow the scouts of other camp camps and garrisons and scouts of the town garrisons to be equipped with sufficient war horses. -]. The remaining 20,000 horses were seized, and Yi Feng planned to bring 10,000 horses when he went to Chang'an this time and contributed to the emperor as tribute. The remaining 10,000 horses were planned to sell them directly to the military towns, which not only attracted some connections but also made some money.

Gao Mingyue even wanted to take 10,000 war horses as tribute to Chang'an to give to the emperor, but he was reluctant to leave it. He argued with Yi Feng for a long time before agreeing. Now Li Jing wants to buy two thousand war horses, which was a good deal, but he actually said he didn't have money to give it. If you don't have money, why would you buy a horse? You are here to joke with us? Fang Xuanling used a fake 100,000 war horses as a treasure of 100,000 war horses. Now Li Jing has no money to buy a horse again, and Gao Mingyue can't help but want to rush out from behind the screen.

"I really don't have money on hand now, but I really want to buy war horses, two thousand war horses." Li Jing said seriously.

Yi Feng raised the wind and stopped Gao Mingyue who had already stood up behind the screen, as well as Wei Zheng and other civil and military officials who were preparing to bombard Li Jing. Since Li Jing said that, he was definitely not here to make trouble. Judging from his calm look, he seemed very confident to buy a horse from him. Yi Feng wanted to hear what Li Jing was thinking now.

"Does Brother Yao have any better plans? Why not talk about it?"

Two thousand war horses are worth 220,000 guan, which is a big sum of money. The average garrison army pays only 24 guan a year, and 220,000 guan can support 9,000 guan a year. In other words, even if Li Zhen now gives the soldiers of the Daning Town to three guan a month, the 220,000 guan is the military pay of the 1,000 guan a year. Such a large sum of war horses cannot be given to him for free, and he does not believe that Li Jing will come directly and force him to take it for free.

"This time, I plan to buy a full set of cavalry equipment for the 1,000 soldiers under my command in addition to buying two thousand war horses." Li Jing did not immediately answer what he wanted to pay for, but instead made more requests. "When I sent my two wives to Huaihuang last time, I saw the strong lineup and excellent equipment of the Wuzhou cavalry. So this time I also wanted to replace the 1,000 soldiers and horses with such equipment. Especially the cavalry breast plate armor and cavalry swords are quite good. In addition, the cavalry round shield, cavalry bow and cavalry crossbow, I plan to purchase the full set of cavalry."

The Wuzhou Army now has many cavalry, but the most important one is a few field cavalry battalions. The cavalry in other battalions only acts as scouts, with a small number, and is completely light cavalry equipment. The cavalry breastplate and other equipment mentioned by Li Jing are all standard equipment of several field cavalry battalions. After Yi Feng fully expanded the cavalry, the number of cavalry had exceeded 10,000, but the cavalry still did not form a main position in the entire Huaihuang Army, especially the field army. In the tactical system of the Wuzhou Army, the cavalry came to

It has not yet become the main force. It is more of an auxiliary combat position. For this reason, the positioning and equipment of the cavalry are also uniquely reflected. According to Yifeng's requirements, after Huaihuang's steelmaking technology was greatly improved, and with wind power forging technology, Huaihuang's Armory Workshop has created a unique steel plate armor. Due to the improvement of materials and technology, this steel plate armor has stronger defense, but it is faster to manufacture, allowing the Huaihuang army to manufacture and equip plate armor in large quantities.

Among the many newly made plate armors, the Ordnance House has specially created cavalry breastplates for the Wuzhou cavalry according to Yi Feng's design.

The complete cavalry breastplate includes a sleeveless steel plate armor that protects the upper body and a steel helmet. The breastplate is composed of two forged and solid curved steel plates, a breastplate and a back armor to protect the most important chest and back of the cavalry. The two steel plate armors are solid, especially their arched curve, which is extremely useful for arrow defense. The steel plate armor is solid, and it also has excellent anti-puncture and anti-slashing ability for spears and swords. These two solid plate armors are not too heavy. According to Yi Feng's requirements, the weight of the cavalry breastplate is only ten kilograms, and the helmet is not counted.

Cavalry equipped with breastplate and steel helmets can also be called breastplate cavalry. Compared with ordinary light cavalry, their defense ability is stronger. But in addition to the chest, back and head, in order to reduce the weight of the armor and improve the maneuver combat ability, the cavalry did not equip more armor on other body parts. The cavalry did not equip additional iron armor, nor did they equip additional leather armor. They were equipped with silk military robes and cloaks. The silk military uniforms were not only fine and cold, but also had good anti-arrow damage. With the cloak, the cavalry who did not equip additional armor also had certain protection power in addition to the chest, back and head. Their feet were not equipped with ordinary shoes, but long boots, and long leather boots could replace traditional shin armor and provide protection for the legs.

In terms of weapons, Huaihuang cavalry standard equipment is equipped with a spear, a cavalry knife, a cavalry horn bow, a cavalry crossbow, a steel whip, a horseshoe knife and a dagger.

Judging from the armor and weapons of the cavalry, this cavalry is a cavalry with a slightly stronger defense than the light cavalry. It can not only use a crossbow to ride and shoot at a long range, but also attack in melee cavalry. But overall, they rely on auxiliary chariot formations and infantry formations to fight. Yi Feng's tactical positioning of this cavalry is to use semi-rotary tactics, charge, then ride and shoot at a crossbow, then turn around, load, and charge again. In this way, they continue to cycle, and they fight with their own chariot formations and longbow formations.

To put it bluntly, the Huaihuang cavalry is still very weak and cannot achieve the ability to fight alone while fighting alone.

Li Jing actually wanted to take full set of equipment from the wild cavalry, which surprised Yi Feng a little. Li Jing only had one thousand people. If he wanted to build a cavalry, then this cavalry without the rest of the support force should be built into a light cavalry. Come and go like the wind, and succeed with one blow. Immediately, the tactical style of this small cavalry unit is the tactical strategy of this small cavalry unit. If you are equipped with a breastplate, although the defense is improved, the responsibility is also improved. There is no support from the chariot formation infantry behind, are you going to fight to the death? Although the ten-pound breastplate is not too heavy, it is very tiring if it bumps on the horse. If the armor does not fit well, it can even grind people's shoulders.

Yi Feng was considering why Li Jing needed equipment for breastplate cavalry, while Gao Mingyue was considering much simpler. She was only thinking that Li Jing couldn't even get the money for war horses, and wanted to buy two thousand sets of complete equipment for breastplate cavalry. What did he pay for the bill?

"A set of breastplate is one hundred silos, including breastplate, a backplate, a steel helmet and a pair of heavy boots. A cavalry knife is ten silos, cavalry spear, shield, crossbow, bow, dagger, steel whip, etc. Add to it. A set of silk military robe and silk cloak will charge you one hundred silos. In addition, a set of armor to weapons and uniforms, a whole set costs 200 silos, and two thousand sets are 200 silos. This is the lowest price. I won't bargain." Gao Mingyue said coldly.

The manufacturing technology of plate armor is the exclusive technology of Huaihuang today. Moreover, this breastplate not only reflects unique forging technology, but also fully integrates Huaihuang's steelmaking technology beyond the current. The integration of several technologies has led to the breastplate produced by Huaihuang Armor Workshop. Putting aside several advanced technologies, the manufacturing cost and time of plate armor are actually lower and less time than traditional iron armor. But since it has exclusive technology, the price is of course determined by Huaihuang.

.A set of breastplate is just a few pieces of steel plates and a few linings, but because of the exclusive technology, Gao Mingyue finally offered a price of 100 jin. The traditional iron armor is a complete set, but only a hundred jin. A set of leather armor is only a few dozen jin. Huaihuang's breastplate production cost does not even cost a set of leather armor, or even one-third of the cost of manufacturing leather armor. After real cost calculation, a set of breastplate armor, including a helmet, is only ten jin, which includes labor, materials, etc.

Huaihuang's real expensive armor is now equipped with the guards of the 800 Young Guards regiment of Yifeng. It is three quarter armor, also known as half-body armor. It has full-body defense and is only slightly simpler than the full-body knight armor. This three quarter armor is more gorgeous, stronger and more defensive. But it is too heavy, and a set of armor is 40 kilograms. In addition to the eight hundred guards, only the full-body armor equipped by the heavy infantry of the chariot battalion is even more terrifying. It is a plate armor with almost full-body defense, a set of sixty kilograms, and a pair of two-handed horse-slashing sword. Standing in front of the chariot formation, it is simply a wall of iron walls. With their swords, it is even more like a wall of swords.

However, those heavy armors can only be equipped with special troops, and the cavalry's breastplate weighs only ten kilograms. However, although the breastplate is light, it has good defense performance and is an exclusive technology. Therefore, a set of 100-month Gao Mingyue was also called without hesitation.

But no matter whether Gao Mingyue bids 100 or 100 yuan, the final result is the same, and Li Jing can't even make money.

"I want both war horses and armor weapons, but I don't have that much cash to pay. But I have a suggestion that I plan to borrow 500,000 jin from the Northern Bank, and 420,000 can be used to pay the amount of this batch of war horses and armor." Li Jing proposed his own payment plan, and he planned to borrow money from the Northern Bank to pay.

After hearing this, Gao Mingyue didn't know how to speak. She had never seen a person like Li Jing. Are people in Huaihuang all fools? They want to make money by playing empty-handed. Northern Bank is originally Huaihuang's money house, which has deposit and loan business, but the key is, why did Huaihuang lend you such a large sum of money? What do you use to guarantee that you can repay the loan at that time?

"How long do you plan to borrow and when will you pay it back?" Yi Feng asked with a smile on his face. As for the bank, it is a loan business.

"It's better to take a three-year period." Li Jing replied very easily, as if he was not borrowing 500,000 guan, but just a small matter as simple as borrowing a bottle of vinegar.

Gao Mingyue gave the loan interest rate behind the screen: "Three-year loan, annual interest rate is seven points, loan is 500,000 guan, three-year interest is 105,000 guan, and the principal and interest after three years maturity is 600,000 guan. According to the regulations of Northern Bank, loans of more than 100 guan, mortgage guarantee is required. What mortgage are you going to take?"

The deposit and loan business of Northern Bank is basically the same as in later generations. The interest rate for depositing money is low, while the interest rate for loans is high. If you deposit 500,000 jin a year, the interest rate is only 16,500 jin, but if you deposit 500,000 jin a year, it costs 35,000 jin a year, and the difference between borrowing and loans is 19,000 jin. But in general, it is still low compared to borrowing at this time. At this time, there are no low-interest loans. You either need to find friends to borrow money or borrow usury. Not only are the wealthy local merchants and wealthy lenders entitled high loans, but even temples also lend usury, even the army and government also put higher loans.

Rich loans. After the founding of the Sui Dynasty, except for Beijing officials, the salaries of officials in local government offices were not paid by the court's finances. Their salaries and office expenses came from several items, including public houses and public house money. Among them, public house money was a sum of money paid by the court or intercepted by the local government. It was used as a capital, and then lent to the private sector every year. The interest on the loan was used to pay salaries and office expenses to the officials. To put it bluntly, the government took the lead in lending loans, and it was a decision made by the court and the emperor.

The original intention at the beginning was that the government used the money to lend to some people who needed it, and the interest rate would be slightly lower than that of private usury. It facilitated the people. At the same time, the government could get a profit to pay the officials' salaries and office expenses. But in fact, the government paid the money directly to some local people who lend money, and they would lend and collect interest, and the government itself only cared about the profit and other matters. This caused the idea of ​​the court's original intention of low interest to facilitate the people was not implemented at all. The loan was not to the person who needed the money the most, but to the person who paid the highest interest.

The interest rate for the remittance in the Sui Dynasty was extremely high at this time, and the government had no choice but to do so. It only issued a document to limit the maximum monthly interest rate of only six cents. Although the profit day is long, it will be only twice in the end. The monthly interest rate is six percent. It refers to the interest rate of six percent per month, and a year is seventy-two percent, and it is full of usury. Although the official clearly stipulates that the monthly interest rate cannot exceed six cents, and although the accumulation day is long, it will not end up once. But in fact, it is often profitable and eventually become a donkey roll. Yi Feng's annual interest rate is seven points, and it will be transferred up and down according to the length of time. However, even if the penalty interest that does not repay at maturity is added, it is stipulated that the maximum interest can only reach the principal amount. At the interest rate of seven points, it takes twenty or thirty years to make the interest reach the principal.

The Northern Bank established by Yifeng is a brand new business model, integrating various businesses such as mortgage loans, didian storage, gold and silver exchange in gold and silver. At this time, you usually have to pay a handling fee to save money. Yifeng is the first to make the first move. There is interest in saving money, and the current annual interest rate is 35% and the regular period ranges from two points to the highest five points. Save 10,000 guan for five years, and you can get an interest rate of 2,500 guan after five years. As soon as Yifeng's business was launched, it first attracted a great welcome in Huaihuang. In particular, many soldiers deposited the remaining money they obtained directly into the bank to earn interest. For those rich people,

If you have a lot of money in your hands, you can invest in and operate, buy land and shops, or even lend money to usury. But for those who don’t have much money, their financial management methods in the past were either to hide the money at home or to give some profit to those who lend high and low loans, but they still have to bear the risk of not being able to get back the capital. However, with Yifeng, you can deposit current, deposit fixed deposits, withdraw whole, withdraw whole, and even deposit interest, which is convenient and safe. Others may not be assured to open money banks, but since this northern bank is opened by Yishuai, who will be worried about the soldiers who are in a wasteland?

Northern Money House also operates some off-site withdrawals, guarantees, insurance and other businesses. Now it has accumulated a large amount of funds in Huaihuang and has a strong capital. At the same time, various gold, silver rewards and other rewards issued by Huaihuang are also minted here. Li Jing wants to borrow 500,000 jin of money, which is really not a big business for Northern Bank. A large number of depositors store the money in the bank, and they have enough money to lend. However, banks also have the instinct to avoid risks, and such a loan must be guaranteed and mortgaged.

As long as there is a guaranteed mortgage, even if Li Jing has no money to repay it after three years, the Northern Bank's loan will not become a dead debt.

Li Jing's family is rich, but he can't take out hundreds of thousands of yuan, but the Li family can still take out it, and even borrow it directly from the Han family. However, Li Jing did not intend to pay the money himself, nor did he intend to let the family guarantee him. Li Jing had his own plans, and he also believed that with his understanding of Yi Feng during this period, his proposal should be approved by Yi Feng.

"As long as the northern money house is willing to lend me this money, I can train those cavalry battalions for the general." Li Jing said confidently.

"What?" Gao Mingyue looked so embarrassed that she thought she had heard it wrong. What are you guaranteeing and what conditions are you willing to train cavalry for Huaihuang Army? With this, I want to exchange for an unsecured loan of 500,000 yuan? Do you think you have this ability and it is worth the money?

"This!" Wei Zheng couldn't help but stare at his classmate's unexpected proposal.

Only Yi Feng, after a moment of surprise, immediately showed an unconcealed surprise in his eyes. Li Jing was willing to train cavalry for himself as collateral for this loan?

Is this feasible? Of course it is feasible. Is Li Jing's proposal valuable? Of course there is. Others think that Li Jing's words are bragging, but only Yi Feng believes Li Jing very much and thinks that Li Jing's proposal is extremely valuable. If Li Jing is really willing to help him train cavalry, even if the loan of 500,000 yuan is really not recovered by then, Yi Feng will think it is worth it.

"Are you serious?" Yi Feng asked hurriedly.

"A gentleman's words are as good as a horse!" Li Jing replied conceitably. Yi Feng has strong cavalry and excellent equipment under his command, but Li Jing felt that Yi Feng's cavalry was not good enough. If he handed over this cavalry to him for training, he would have enough confidence to transform this cavalry and become an elite cavalry.

"Hahaha, okay, a gentleman's word is as good as a horse. This matter is decided. From today on, Brother Yao will be the head coach of the Wuzhou cavalry. All cavalry training matters will be decided by General Yao Yao." Yi Feng smiled happily.

"Then my loan and war horse equipment?"

"Mingyue immediately asked the bank to handle the procedures and lend money, and Xuan Zhi was responsible for removing the war horses and armor."

"Hahaha! Yi Shuai is really happy. Please rest assured. Li will never give Yi Shuai trust. In less than three years, he will definitely be the one who trains an elite cavalry for Yi Shuai."

"Three years are too long, and I have to seize the day. In half a year, at most, I hope to see several cavalry battalions have a significant improvement. How about it, are you sure?" Yi Feng looked directly at Li Jing.

Li Jing was slightly surprised, but when he thought that Yi Feng had pulled out the loan so happily, he gritted his teeth and patted his chest, "It will be half a year, and it will be half a year, and then we will see the results!"

"I believe you!" Yi Feng smiled happily. Only Wei Zheng, Gao Mingyue and other civil and military officials were shocked, especially Shan Xiongxin, Qin Qiong, Zhang Jin, Wang Fubao and other cavalry generals stared at Li Jing, feeling that the general was deceived by this guy. They had fought with Tieler people many times on the horse. Now Yi Shuai handed over the power of cavalry training to a noble young man from the capital, which was simply unbelievable!

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