This farm work can be done like this? The cows are strong and the pigs are fat... I am afraid that you can at least be worth tens of thousands of yuan if you add eggs and milk). | Products, tsk, I'm so open to my eyes. By the way, can you promote these things?"

Uncle Li's eyes were glowing and his spirit was flying. The prince Li Zhi next to him was a little shameless. He was holding a cucumber in one hand, chewing it and biting it on the other side. I don't know where this little kid got such a big belly after just eating his meal.

Uncle Li asked, and I had to force myself to be motivated: "Of course it can be promoted. After all, these things are all farmers who use farming as their own. If those landlords and wealthy families do what they do according to the methods of the son-in-law, they will at least increase their income several times."

"Oh? Haha, I believe in you, but I am a virtuous son-in-law. Do you do this according to your method. Wouldn't the richer the richer and the poorer the poorer? What should they do if those poorer and inferior households?" Uncle Li stopped eating cucumbers and frowned and asked at me.

"The lower-class households naturally have a way. My son-in-law is negotiating an agreement with the farmers in three villages in the north of Weinan, two villages in the west, five villages in the east, and one village in the south. "I smiled slightly and said confidently. My son'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 organize the village, and each village is not only household, but also the size of the fields it produces, as well as cattle, pigs, chickens and ducks, etc. The government has developed technology, and this young master is planning to jointly establish a local gentry to open a local bank, providing loans to purchase materials and building various related buildings.

The cooperation period is five years, starting from the first year. 30% of the annual profit is used to repay the loan, and the government does not charge any fees for the technology paid by the government. In this way, the people of the entire village can naturally become rich collectively.

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"Money? What's this?" Uncle Li squinted his eyes and looked curious. Even Li Zhi, who was standing beside me, was also curious, because in the early Tang Dynasty, there is no professional financial institution specializing in deposits, loans, exchanges, savings and other businesses. Most of them are private loans. It's like I borrow money from you. Let's go to the government to testify, and then pay you a lot of profit every year. In fact, it's usury.

The origin of usury was earlier than that of banks because people knew how to use money to increase money a long time ago. However, the country lacked a standardized management method. It was not until the late Tang Dynasty that money shops similar to bank land appeared.

Uncle Li and Li Zhi didn't know what money is. Of course I could understand this. I began to explain to Uncle Li and Li Zhi: "What is money? Well, to give the simplest example, it is not safe to keep your money at home. What should I do? Then you deposit your money into our Weinan Money Store. Here, we not only do not charge your custody fee, but also pay you interest. The interest rate of deposit is divided into several types, the lowest is current deposit, which is 0.5%. How do you deposit a one-year fixed term? That is 0.8, deposit two years. One-five, deposit three years... and so on, the longest term is for three years. After the three years expires, your rank will be automatically transferred to current deposits. When you come to withdraw money, we will hand over your ranks and the interest you should pay to you."

Uncle Li and Li Zhi looked at each other and tilted their heads: "Son-in-law, are you full and full? I'll give the money to you for safekeeping. Instead, you gave the money to me? You, I said, "Son-in-law, I just praised you, but who would have thought that in a blink of an eye, you made such a money-lossing thing for me. You really burned with too much money?" Uncle Li's look of regret that he was so angry and worried about trying to persuade me to abandon evil and do good.

"My father-in-law, don't worry, my son-in-law hasn't finished talking about it yet. We have another business of making money. Look, if the people come to our bank to borrow, the interest rate will naturally be different from deposits. The interest rate for short-term micro-loans starts from three percent, and the small amount means within ten cents. The longest term for long-term loans is five years, the interest rate for one-year land loans is five percent, and the interest rate for five-year land loans is ten percent..." I explained to Uncle Li in detail what I understand.

What is the most stable profitable thing in the future? Banks, at least in my eyes, the most stable profitable thing in banks. Not to mention it, the difference between borrowing and loan is definitely no local transaction. You think, as long as you have a certain amount of cash flow and then borrowing and borrowing, just how much is the difference? A classmate who works in a bank once said, what is the most profitable thing in this world, protected by national policies?

Unfortunately, we are a little uninformed and know only a little about the financial industry and we only know that banks are the model of the financial industry.

Uncle Li became more and more excited as he heard it. Well, the most important thing is that he seemed to be fresh and curious about my concept and asked in detail. Finally, Uncle Li narrowed his eyes: "Then how do you pay taxes in this bank?"

"This requires special auditors to check the accounts of the money bank. According to the profits obtained, the son-in-law believes that this emerging industry is finance, so the tax rate should not be paid like the previous land tax and property taxes. The son-in-law believes that the tax should be paid at a ratio of 20% and paid to the state."

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

I gave Li Zhi a blank look: "Why don't you do it? Your Highness, you think that apart from the initial reserve, it is almost a business without any capital. However, the money transaction for the son-in-law is still on paper and has not been truly implemented. I just want to ask Your Majesty, if Your Majesty agrees, the son-in-law will do it."

Five taxes and one, are they very high? Well, aren’t you afraid that Uncle Li and the court will disagree? After all, we know how difficult it is to emerging industries, and such financial companies must first be recognized by the state. Otherwise, if you think you are open a money bank like a hanging door, the country will ignore you? It would be strange if you don’t treat you as a fat sheep.

I have long thoughts about the money store, but at the moment of the Tang Dynasty, the circulation of money is insufficient, so my wish has always been left to the shelves. However, now, if I want to manage Weinan, I need financing to do it in order to improve Weinan's economic strength and expand Weinan's development path. But we are not a saint, and we also like to eat and drink. We can't borrow money for nothing, right?

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In addition, the average private lending rate in the Tang Dynasty was more than 30%, which was simply usury. I couldn’t adopt the loan model of killing chickens and getting eggs 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 put it in his palm to play with it. His eyes were full of light that was difficult to see. Everyone didn't speak, and I didn't dare to speak, for fear of interrupting. If Uncle Li was displeased and the old guy disagreed, what should I do?

After a while, Uncle Li threw the leaf into a bucket and cleaned it, and put it in the vegetable basket next to it. Then he sighed: "I also know that the people of our Tang Dynasty are suffering. Every year of disaster, they will inevitably borrow from the landlords to buy grain. However, the income they earn will often be unable to bear the high profits. After a few years, for more than three to five years, the people can only sell land to survive. I, the emperor of the Tang Dynasty, have always been suffering from unscrupulous laws. However, today, the idea of ​​the son-in-law has opened a new path for me."

Looking back at me, "This is not a place for conversation. Go to your house and talk to me about this plan."

I didn't say anything more, and followed Uncle Li to my home together. Soon, I arrived at my home in Weinan. After sitting down, except for me, Uncle Li and the prince, Zhao Kun, the bodyguard leader, and naturally all the others were outside the house and were not allowed to enter.

I thought about building a money deal for a long time. The thick stack of ideas I wrote about building a money deal was handed over to Uncle Li and Li Zhi to read. On the one hand, I explained some new terms and things that they were difficult to understand.

"... The son-in-law also has a suggestion. I hope that my Tang Dynasty can set up a relevant auditing agency, which can not only audit the cost of various projects of my Tang Dynasty, but also audit institutions like Qianchang, so that Qianchang dare not evade taxes. Moreover, Qianchang must report its loan statements to the prefecture or Chang'an every year. Of course, it should also randomly check the local area at any time to verify the authenticity of the report..." I talked about it, and we had already spent money, and I am afraid that the money from my son's family would be enough for my family to sit at home for hundreds of years.

Money is just a number for me. What I just hope is that in my lifetime, I can see that the Tang Dynasty will walk under my training, the more solid the steps and the wider the road will be.
Chapter completed!