The road was still under repair. After rushing for half a day, Li Linfu finally arrived outside the yamen of Baoxin County. He saw the newly built houses built by the relocated people. They were very good.
He also asked the other people here. They said that after the road was repaired, all the houses in the county would be rebuilt after the autumn harvest this year. They had to be built the same and look neat.
When Li Linfu arrived at the entrance of the yamen, he deliberately looked at the notice of income and expenditure. The more he looked at it, the more shocked he was. As a registrar, he knew that the things on the notice of Baoxin County should be true.
But why did they have to let the people know so thoroughly? It was like wearing only a thin layer of gauze that was not supposed to be seen by others. It was too transparent. If the officials in the county told the people about their plans in the future, then there would be no secrets at all.
Li Linfu stood there and looked. No one paid much attention to him. There were many officials here to visit and learn. Who would care about him?
After thinking about it, Li Linfu did not directly enter the yamen. Instead, he walked towards the place with the model. There were two important people there that he should meet, Bi Gou and Yao Chong. He also wanted to take this opportunity to learn more. There were such models in the palace. If one day the emperor was happy and asked someone, he would be able to answer.
When entering the tourist area, ordinary people did not have to pay the entrance fee. However, it was different for officials. Based on their ranks, each official had to pay 20 to 100 copper coins for the visit.
This money was not taken for free. The people did not have to pay. They just wanted to see the excitement and novelty. However, when it was the turn of the officials, there were people here who specifically talked about the officials. For example, the population of a certain place, the degree of governance, and so on.
The data given was very accurate. At the same time, the officials who paid 100 copper coins showed that their positions were important. There were also other things for them to see, such as the future development of various places and how to deal with disasters.
A hundred copper coins was really not expensive to learn such things. Li Linfu also paid a hundred copper coins and let the tour guide him in. Along the way, he carefully listened to other people's explanations and tried his best to remember, afraid that he would forget. Just as his head was about to explode from memorizing, the tour guide suddenly said to him,
"Lord Li, in fact, what I just said has already been printed into a booklet. If you want, you can buy it for ten copper coins. There are a total of six sets, divided into six parts, and each set costs ten copper coins. When the time comes, Lord Li can go back and read it easily."
As soon as Li Linfu heard that there were six divisions, he understood that it should be one of the six divisions. As for why there were no three divisions, it was because his level was not high enough, so there was no need for him to understand.
She glared at the tour guide in dissatisfaction and complained in her heart that the tour guide didn't tell her earlier. Her eyes hurt from remembering it. She said, "Give me one of each. Is it thick?"
"What's thick?" the tour guide asked in confusion.
"Is the paper thick?"
"It's not thick. It's all thin paper. If it was thick, it would be too heavy."
"Am I asking too much or not?" Li Linfu felt that this tour guide was a little stupid.
"Oh, that's what Mr. Li is asking. It's not bad. It costs a lot of money, so it won't make much money," the tour guide replied.
After hearing the tour guide's explanation, Li Linfu understood that the Zhang Family and the Wang Family probably made a lot of money from this information. How much would it cost to buy six servings for 60 copper coins? At most, it would be 20 copper coins or less. The rest of the money would be profit.
Yes, that's right. With Zhang Xiaobao's calculation, he definitely wouldn't let go of such a money-making opportunity easily.
As Li Linfu listened and walked, he relaxed and really felt that this model was well made. When he walked to the front, he saw many people gathered there. Some people even made friendly noises from time to time.
Puzzled, he asked the tour guide, "What's going on over there?"
"Nothing, just follow me. Mr. Bi and the others are telling a story over there. It's all fake. There's no need to go over." The tour guide signaled Li Linfu to follow her.
Li Linfu came to see these two key figures and was counting on them to help him put in a good word. How could he miss this opportunity? He didn't care about the tour guide and walked over.
At this time, Old Man Pi was telling the exciting part of the story. Old Man Chang had also changed six weapons. He was so tired that his whole body was covered in sweat. Someone beside him bought him a cup of good tea to drink.
"If you want to know what's going to happen, listen to the next segment." Old Man Pi was also thirsty, so he quickly stopped. He picked up the cup of tea and gulped down a few mouthfuls. At this time, he wasn't as elegant as he usually was when drinking tea.
"Is this Mr. Bi? This humble one is Li Linfu. I heard that Mr. Bi was here, so I specially came to meet him." Li Linfu first greeted Old Man Pi. He had already started to bow. Then, he greeted Old Man Chang and Old Man Yao. Although Old Man Chang didn't have much of a status, Li Linfu didn't have much of a status.
Old Man Pi heard Li Linfu's self-introduction and knew who he was. "Oh! So you're the registrar of Xin Cai County. Good, you look like an upright person. "
Old Man Bi's words were very pleasant to hear. However, no one knew what Old Man Bi was thinking.
Li Linfu didn't expect him to speak the truth. It was fine as long as he could achieve his goal. He said, "Mr. Bi, you flatter me. This humble one doesn't have much ability. I just want to make the lives of the local people better, so I'm satisfied. Before this humble one came, I talked with County Magistrate Bi and put up a notice that I want to build a river for Baoxin County.
However, this humble one heard that there was some misunderstanding between County Magistrate Feng and County Magistrate Zhang and County Magistrate Wang, so I had to come personally to mediate. After all, the two counties are adjacent to each other, so it's better to work together. "
After he finished speaking, Li Linfu looked at Old Man Yao.
Seeing him look over, Old Man Yao followed his words and said, "It's great that you can think this way. In the future, you have to put in more effort in the two counties. You said it was a misunderstanding? What misunderstanding? It shouldn't be. Otherwise, why would Xiao Bao and Cuckoo ask Commandery Prince Tong 'an to build a workshop there? I'm overthinking. Since I'm here, I'll take a good look. "
As soon as Old Man Yao heard Li Linfu's words, he knew what he meant. He wanted the three of them to help mediate. How could that be possible? Zhang Xiaobao and Wang Juan had already decided on something. If others could easily change it, then they wouldn't be the two of them.
Seeing that the other party didn't admit it, Li Linfu had to tell the three old men everything that Feng Changgong said to him. After he finished, he showed a troubled expression and said, "Mr. Bi, County Magistrate Feng, County Magistrate Feng already knows that County Magistrate Feng is wrong.
As the saying goes, nothing is better if you can change. Why don't you give him a chance? After all, Zhang Xiaobao and Wang Juan are still young. Many things can be done in a short time. Why don't you two help to persuade them? Also, Uncle Zhang has to worry about it. This humble one wants to thank the three of you on behalf of the people of Xin Cai County. "
"Aiya, there's actually such a thing? It'll probably be difficult. When have Xiao Bao and Cuckoo ever suffered such a loss? Let me think. How about this, you go and talk to Xiao Bao and Cuckoo first. Later, I'll help to say a few words. It's just a few words. I don't know if it'll work or not. "
Old Man Chang looked surprised. It was as if he didn't know before. Although he agreed, he didn't make a promise.
Li Linfu, who knew that he couldn't be sure, had no other choice. He apologized and left. He went to the yamen to look for Zhang Xiaobao and Wang Juan.
After waiting for him to leave, Old Man Bi and the other two found a quiet place to sit down. They asked someone to bring them good tea. As they ate their melon seeds and tea, they began to talk about Li Linfu, who had come over today.
"In my opinion, this person is a hundred times better than Feng Changgong. He handles things properly and acts steadily. He's also a rare talent. It's a pity that he's still too young. He thinks that just because he has some ability, he can do everything well.
How could Xiao Bao and Cuckoo help him? They've already agreed to Zhang Shuo and decided He Yiwei's position as the next official. Does Li Linfu think that he can change their minds with just a few words? Young, he's really young. "
Old Man Pi poured a cup of tea for Old Man Chang. He didn't care about Old Man Chang. It was a waste for Old Man Chang to drink tea. A little bit of jasmine tea would be fine. He evaluated Li Linfu.
Old Man Yao also felt that this matter couldn't be done. He said, "The most important thing is that Xiao Bao and Cuckoo want to teach Feng Changgong a lesson. After all, they're still young. It's easy for people to look down on them. If they don't teach Feng Changgong a lesson this time, there will be other officials who will dare to go against them in the future.
In the past, Zhang Family and Wang Family were powerful, but that was their business. Now that Xiao Bao and Cuckoo are officials, of course, they have to have their own prestige. Feng Changgong is the chicken that was killed to show the monkeys. It's a pity that he doesn't know it yet and bumped into the knife's edge.
As for Li Linfu, I think he's a traitor and loyal person. If he's used well, he'll be very handy. If he's not used well, then he'll be a disaster. Sigh ~! "
*****
At this time, Li Linfu, who didn't know that he was called a traitor and loyal person, came to the yamen. He said something to the yamen runner at the door and gave him his name token. Then, he went inside and waited.
There was a room specially provided for visitors. There were tea and pastries in it. It was mainly for the people. The people couldn't just go to the drum when they had something to do. It was a tool for cases.
At first, Li Linfu thought that it was a signing room. Later, he met two people sitting there and chatting in a low voice. Then, he realized that it was not the case at all. It was a very interesting room for the people to rest.
Hearing their conversation, Li Linfu knew why they were here. They were both residents of Shang Niu Village, and they were also neighbors. They discovered that a small river in Shang Niu Village was blocked by mud, and there was also a piece of sandy land beside it.
The two people wanted to clear the silt and get the silt on top of the sandy land. This way, they would have a good piece of land. However, they had to solve a problem. The sandy land was high. The villagers could clear the silt, but it would take a lot of effort to use water. They wanted to ask the yamen to lend them some money to build a waterwheel there. In the future, they would slowly return the money when the land produced.
Listening to the two of them discussing matters, Li Linfu found it even more strange. The people here were too bold. They actually came to the yamen to borrow money to build the waterwheel. At the same time, he praised the people here for their ideas. If it were the people in other places, they could only watch as the land and river were built.
After waiting for a while, Li Linfu didn't see Zhang Xiaobao and Wang Juan. Instead, it was He Yiwei. He Yiwei had finished most of his work today. When he heard that there were people from Shangniu Village who came to borrow money, he came to take a look.
At the same time, he helped Zhang Xiaobao and Wang Juan to pass on a message to Li Linfu.
As soon as he entered, he saw a person wearing an official's uniform. He asked, "Lord Li, I am He Yiwei from Baoxin County. Registrar Zhang and Deputy Wang asked me to pass on a message. They said that they would like to invite Lord Li to rest at Fengwu Pavilion first. They have more important things to do. After they are done, they will come over and invite Lord Li to have a meal together.
They asked the two of them to stay here. These are the names they sent back. They said that when Lord Li comes to the restaurant, you will be able to eat good food. They will only be free at night. "
Li Linfu originally thought that it was just an excuse. However, when he saw the names of the two people, he knew that it wasn't the case. He took the names and said, "It's my duty. The county affairs are important."
Even though it was important, he didn't want to leave. He wanted to see if the two people from Shangniu Village could borrow money. It was the first time he met them, so he was curious.
"Niu Da, Niu Zhuang, the two of you want to borrow money?" He Yiwei didn't chase them away. There was nothing that couldn't be told to others. Whoever was willing to listen could listen. It wasn't a secret that couldn't be known by others. He asked the two people who had already stood up.
"Lord, you know us?" Niu Da said happily.
"Yes. A few days ago, the two of you came over to deliver coal. I asked the two of you before. How could I forget? I heard that your father is sick. I don't know if he is better. I am just too busy. Otherwise, I would have taken the time to visit your father."
He Yiwei said politely. He didn't have any other skills, but he remembered people very well. As long as he met them once, he would know them the next time he met them. He then asked about Niu Da's father's condition.
Niu Da was so excited that he didn't know where to put his hands. He grabbed his trousers and nodded, "He is fine. It's the same as before. It's all thanks to the doctor sent by the county. Lord, you are a good official."
"What's so good about that? It's just my duty. If you want to talk about good officials, you have to look at Registrar Zhang and Deputy Wang. They are the truly capable officials." He Yiwei was happy to be called a good official. He modestly gestured for them to sit back down. He also sat down and asked about borrowing money.
"What kind of water wheel do you want to build? Can it be built there? How much will it cost? How long will it take to return it? I can't lend it to you just because you want to. "
"Lord, can we really lend it to you? As long as you answer, we can lend it to you? How much will it cost? " Niu Zhuang thought that he couldn't borrow money this time. This was the first time he thought of this idea. He came here with the idea of giving it a try.
Li Linfu also looked at He Yiwei. He wanted to know from He Yiwei whether he could borrow money or not. If he borrowed money, he would be breaking the law. The government was the government. How could they lend money to the people casually?
He Yiwei still had a calm expression. He said to the two of them, "You can borrow money, but you can't borrow from the government. The government's money belongs to all the people in the county, but it doesn't belong to any one of them. What if you can't return the money when they lend it to you? Even if you use the land as collateral, you can't do it. When the time comes, you still have to sell the land. There is an additional process. This is not an administrative action, but an economic action. Do you understand? "
The two of them didn't know anything about administration and economics, but they understood that the government wouldn't give them money. They lowered their heads and didn't say anything.
When He Yiwei saw the two of them like this, he continued, "The government won't give you money, but there are other people who are willing to. The government is willing to help you get a three-year interest-free loan. You know about loans, right? There are loans in Shuzhou, Sanshui County, and Huayuan County. This money will be provided by the tourism model area. It's called Baoxin County Employment Assistance Fund.
The government will be the guarantor. You will sign a document with this fund and put your fingerprint. If you can't return the money after three years, then your new land and water wheel will be taken back for the fund. There is no interest in agriculture, but if it's business, there will be a small profit. "
"Then isn't this Jin guy stupid? He gave the money to others for free. " Niu Da thought for a while and thought of the key point. If they weren't in Baoxin County, he would have thought that the county magistrate was lying to him.
Li Linfu also thought so. Who would be so stupid to not give the money to others? He perked up his ears and listened carefully. He wanted to see how He Yiwei would explain.
He Yiwei smiled and said, "How can they be stupid? If they take out this money, then whatever they do in the future, the county will give them priority. Originally, there was another point, which was to use the profits to offset the tax. However, Xiao Bao and Cuckoo rejected it, saying that it would be easy to be impeached.
So, we changed the point, which is that the government will be the guarantor and open a bank for them. They won't collect taxes from them for the first five years. They will use this part of the profits to exchange for a interest-free loan.
So, you have to make things clear. They need to do a risk assessment. If they think it's okay, they will lend you money. They will even send someone to guide you on how to do it. "
This time, Niu Da and Niu Zhuang heard it clearly. They said that the loss of the Jin guy would be compensated on the other side.
Regardless of how the government would compensate them, at least they could borrow money. So, Niu Da began to talk about their specific plan and introduced the situation to He Yiwei in detail.
Before he finished, He Yiwei interrupted him, "It's not like that. There is a format. Xiao Bao and Cuckoo are working on this. In fact, even if you didn't come today, you would see this message on the bulletin board at the entrance of the government office tomorrow.
They said that they have used this method in other places before. That method can be used in emergencies, but it is not formal and needs to be specially proposed. You can either wait here or go home first. Come back tomorrow and fill in the form according to the format. They will send someone to take a look. It won't take long. "
"Shall we wait?" Niu Da asked Niu Zhuang.
"Yes, sir. We will wait here." Niu Zhuang felt that he would not feel at ease if he did not tell them the truth. He chose to wait. Anyway, there was food and drinks here, which was part of the government office's normal reception fee. There was no need to rush back to eat.
Li Linfu was also thinking about this matter. He was not like Niu Da and Niu Zhuang, who did not care about long-term matters. He had a lot to consider. Would the establishment of this so-called fund be everywhere in the future?
A fund with a bank. Then, there would be a bank in many places in the future. What were they going to do? A bank, as the name suggested, was a place to put money and borrow money. For example, flying money was used in this way, but it was not commonly used.
Now, if ordinary people wanted to borrow money, they could not go to a place that specialized in exchanging money. Instead, they could go to a pawn shop. It seemed that this bank could provide a way for ordinary people to borrow money in the future.
This matter was not that simple. There must be a deeper meaning. Since Zhang Xiaobao and Wang Juan brought it up, it might be a big matter. He had to tell the higher-ups as soon as possible so that they would not miss this good opportunity.
Li Linfu thought. Now, he just faintly felt that this matter was not simple, but he could not pinpoint the specific details. Seeing that other people's matters were settled, he got up and left. He also asked when Zhang Xiaobao and Wang Juan would be able to settle the matter of the fund. He also came to take a look and did not have to wait in the Fengwu Pavilion.
Zhang Xiaobao and Wang Juan were in their own room at the back, perfecting the loan matter. Because this industry was also a new one, they had to consider what should be considered, especially the bank. Once it was opened everywhere in the Tang Empire, it would not be as simple as helping people to exchange change or get money.
It was not only money that could be exchanged for gold and silver, but also the function of lending and saving.
Of course, it was easy to open a bank now. If people kept a lot of money here, not only did they not have to pay interest, but they also had to take out a part of it as a storage fee. If they could lose money, then the person who opened the bank was really an idiot.
Wang Juan was thinking about it, and so was Zhang Xiaobao. Both of them had their own ideas. When the time came, they would integrate the advantages and disadvantages. After Wang Juan wrote a few lines, she asked, "You really don't want to pay interest to people who save money?"
"Not now. We will talk about it after opening a few more banks. The advantage of not paying interest is that we can take less risks, but we can lower the interest in the early stage according to other places like this. It will be fine as long as it is very small.
The disadvantage is that the speed of accumulating circulating funds is slow. If we give others interest instead of asking them to pay for it, many people will be willing to deposit the money in the bank. The more money we deposit, the more people will adapt to it. Then, we will have more funds to use. "
Zhang Xiaobao stopped writing and replied.
"I know. As long as there is no situation of a bank run, then a large amount of money will be ours. We can always use it without worry. The larger the base, the more stable we will be. I am afraid that someone will deliberately play tricks and deposit a large amount of money first, then withdraw a large amount of money in a foreign place. In that case, when we have insufficient funds in the early stage, there will be a shortage of funds in another place.
But it won't do if we restrict the withdrawal of large amounts of money, because many people are like this. They are preparing to do a big business and are afraid that it will be dangerous to carry cash, so they spend a small part of the money in the bank. As long as it is cheaper than hiring bodyguards, then it will be profitable. "
Wang Juan frowned slightly. Who asked there to be no electronic business here? If there was, it would be good.
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