rebirth first official

If Gao Zhanming wants to spend money, he has to earn money, otherwise it will be a trivial matter if the existing money is spent, and the follow-up money cannot be received, and half-finished projects can only be abandoned halfway, which will be a major event.

How to make money made Gao Zhanming a little bit difficult.When he was in the capital, he was able to start his own business and make money because he had the old capital of the Gao family.The large sum of money spit out from Tang Qian provided him with his capital, and the big tree of the Gao family and the backer of the Empress Dowager Gao gave him support. It's all done, don't worry about not making money.But this is Jiazhou Mansion, the situation is different from that in the capital, and what he has to do is not thinking about how to raise money for himself, but trying to find ways to make money for the government.

Although Li Jingruo did what he said and let him do it, he would take the government's account book and pretend to be pitiful in front of him from time to time.In fact, Li Dudu didn't feel sorry for the money. Xiangcheng and its territories were so rich, the money that Shu gave him as a tribute was just a bonus to him, not to mention that the money spent was from the government and not his own.He pretended to be pitiful in front of Gao Zhanming, it was nothing more than that he was too idle, and he took teasing Gao Zhanming as a pastime, if he could get a chance to eat tofu, it would be considered a profit.

Distraught, Gao Zhanming went to the street for a stroll.

When the common people saw Gao Zhanming on the street, they didn’t want to be as excited as before, but they still greeted Gao Zhanming in a friendly manner: “Hello, Mr. Gao.” “Magistrate Gao, where are you going?” “Mr. Come and sit here with me for a while."

Gao Zhanming responded politely one by one, and then walked to the market.

It was noon at this time, and the market was not too lively. Small merchants gathered together to chat leisurely, and some people brought horse tags to play cards in front of the stalls.

Gao Zhanming walked in, and people greeted him one after another: "Magistrate Gao, can I have some eggs? The old hen at home just laid this morning!"

"Master Gao, can I get you some chili?"

Gao Zhanming smiled and said, "No need, I don't lack anything, I'll just take a look."

Gao Zhanming came here this time with something on his mind. He wandered around every stall in the market, but he didn't seem to find what he wanted, so he sighed and left.

The peddlers behind them talked one after another.

"What's wrong with Mr. Gao? He read everything, but didn't buy anything."

"Yeah, he doesn't seem to be in a good mood. How about I send him some eggs."

"Forget it, Mr. Gao has issued an order, and no one is allowed to give him anything, otherwise the crime will be the same as bribery!"

"Oh, Mr. Gao is such a good official! It's a pity that I don't like girls. My little girl has good looks and good conduct. If she serves Mr. Gao, it will be considered a blessing in her three lives..."

Gao Zhanming left the market and wandered aimlessly.

Soon, he walked to the door of a ticket office.

There were people coming and going in and out of the ticket office, Gao Zhanming looked up at the ticket office, there was a word "Yang" written on the board, it seemed that this ticket office belonged to Yang Fang, the former richest man in Jiazhou Prefecture.The reason why he said the former richest man was that he had suffered a huge loss in the hands of Gao Zhanming last year when he was hoarding grain. He lost half of his net worth, and there is still a lot of grain in the granary that has not been sold out.However, a lean camel is bigger than a horse, and although he has lost a fortune in fried food, Yang Fang is still a rich man in Jiazhou Prefecture, and he still has a lot of property under his command.This year, he thought of ways to make money, but he still made some money back.

Gao Zhanming stood at the door of the ticket office for a while, and an old man came out from inside.Seeing Gao Zhanming, the old man hurriedly nodded and bowed to Gao Zhanming: "Master Gao!"

Gao Zhanming glanced at the list in his hand, and said with a smile, "Are you here to save money?"

"Hi!" The old man waved his hands again and again, "Save money? What kind of money are you saving? How can you save money in the bank! I'm here to borrow money!"

Gao Zhanming frowned slightly: "Borrow money?"

"Ah, borrow money." The old man said with a sad face, "it's not that there was a disaster two years ago, and the neighbors and relatives had no money, and they needed money to buy seeds for farming, so they had to go to the bank to borrow money."

Gao Zhanming asked him, "What is the interest rate for borrowing money from a bank account?"

Presumably Gao Zhanming asked about the pain, the old man's face became more bitter, and he raised a few fingers: "[-]% profit for half a year, [-]% for one year."

Gao Zhanming frowned: This can be regarded as a high profit.

The old man said: "Master Gao, I'm not going to hide it from you. We ordinary people don't have any other jobs. We just rely on farming to get some food. Half a year's harvest, rent and taxes are deducted, and [-]% to [-]% is gone. The borrowed money has to be exchanged for interest. In previous years, it was nothing more than a little surplus, so I could make ends meet. However, the locust plagues occurred in the past two years, and there was no harvest in the fields. This interest rate is high, and the debt can’t be repaid. It’s not that the government released some food last winter, I’m about to jump into the Minjiang River with my old bones.”

Gao Zhanming was about to say something, when he suddenly heard a strange voice from behind: "Isn't this Mr. Gao?"

Gao Zhanming looked back, hehe, what a coincidence, it was Yang Fang who came.

If Yang Fang saw bureaucrats on weekdays, he would have to make amends and please them. After all, if he wanted to make a fortune, he still had to rely on these officials.But seeing Gao Zhanming, his new and old hatred surged up.A while ago, Gao Zhanming and Li Jingruo founded many academies and orphanages, and asked wealthy businessmen to pledge donations, and they sent people to him.He knew that Gao Zhanming had taken the idea, so he refused to pay for it even if he died. Not only that, he also forbade those merchants who had business dealings with him to pay for it, and finally forced the government to pay for it. .

Therefore, he looked at Gao Zhanming, and couldn't force a complimenting smile, so he could only smile on the surface: "Master Gao's visit to the Handian, it's the walls that shine! I don't know what you can do, Mr. Gao?"

Gao Zhanming looked him up and down, his clothes were made of high-quality silk, his face was full of oil, it seemed that his family was quite wealthy.The old man seemed a little scared when he saw Yang Fang, he took small steps back holding the IOU from the ticket office, turned around and wanted to leave, Yang Fang saw him sharply, and said loudly: "Oh, isn't this old man Wang?" ? Are you here to pay back the money?"

Old man Wang had no choice but to stop, turned around and nodded to Yang Fang with an apologetic smile.

Yang Fang stepped forward, took a look at the IOU in his hand, and frowned: "Are you here to borrow money?"

Old man Wang wiped his sweat and smiled apologetically: "Yes, yes..."

Yang Fang frowned, turned around and said to his opponent: "Go in and find out who approved the loan for him."

That subordinate was killed and went into the ticket office.

Yang Fang said to Gao Zhanming coldly: "Master Gao, I still have some things to deal with here, so I won't entertain you. If Mr. Gao has anything to do, please feel free."

Gao Zhanming looked suspiciously at old man Wang, then at Yang Fang, cupped his hands and said, "Let me go first."

Gao Zhanming left, but did not go far. He walked away one street, turned a corner into a teahouse, went up to the second floor, and sat by the window where the ticket number could be seen to continue watching.

After a while, two people came out from the ticket office, one of them looked anxious, Yang Fang scolded and kicked him, the poor man was kicked to the ground but he didn't dare to make a sound, old man Wang was crying bitterly beside him , knelt on the ground and picked up Yang Fang's pants, but was also kicked away by Yang Fang.

Gao Zhanming frowned, but held back and didn't move.

After a while, Yang Fang's subordinates snatched something from Old Man Wang's arms, and tore up the slip in Old Man Wang's hand. A group of people entered the ticket office, and Old Man Wang was left wiping tears on the spot.

Gao Zhanming finally went downstairs.

Old man Wang got up from the ground, wiped his tears and walked back. Gao Zhanming stopped him when he passed the edge of the teahouse.

Old man Wang was taken aback, and hurriedly wiped away his tears: "Master Gao, haven't you left?"

Gao Zhanming pulled him into an alley and asked, "What happened just now? I saw it all."

When he asked this, old man Wang burst into tears: "Lord Gao... Alas!"

Gao Zhanming took out a silk scarf, wiped old man Wang's tears, and said softly, "Don't worry, speak slowly."

The old man Wang choked up and said: "Although the bank of the Yang family borrows money from outsiders, there is a rule that they can only borrow money if the family has ten acres of land. We have a small family, and the eldest son has joined the army. I am left with my old bones and my younger brother." My son was able to farm, so he rented eight acres of land, and he couldn't handle the more. Xiao Lu in the bank saw me as pitiful, so he approved my loan. I asked Yang's bank to borrow money at the beginning of the year. Originally, when the harvest came, I could pay it back, but in April, my old woman suddenly fell ill, and the funeral expenses cost a lot, so I can’t pay back the money. This year’s autumn harvest, I can only pay back the cost, but the rent at home The field still needs to be planted, the seeds need to be bought, and the ox cart needs to be replaced, so I have to borrow it again. Unfortunately, today, shopkeeper Yang came to check the accounts in person, knowing that Xiao Lu had approved my loan again, so I just let Xiao Lu also I was beaten up and took back the money I borrowed, and refused to let me borrow any more.”

Jiazhou Prefecture is located in the southwest, and the land here has two crops a year. It is planted in spring and harvested in autumn, and new ones can be planted again.

The old man Wang suddenly knelt down to Gao Zhanming, tears streaming down his face: "Master Gao, please go and give Boss Yang a good word for me, as long as you can lend me money, next year, I will definitely be able to pay back the principal with interest! If we don’t have money, we won’t be able to win the land this year, and our family will have to drink the northwest wind!”

Gao Zhanming quickly supported him and said, "Get up quickly."

Old man Wang refused to get up: "Please!"

Gao Zhanming made a mistake.Old man Wang asked him to beg Yang Fang, this matter is not going to work, this is the rule set in the ticket office, if he wants him to break the rules with one word, what is this?It's even worse to use official airs to suppress people.

Gao Zhanming asked: "The entire Jiazhou Prefecture is just the Yang family's bank account? Can't you let others borrow money?"

Old man Wang said: "The several big ticket numbers are all owned by Yang's family. In my case, even if I change to other ticket numbers, I can't borrow money."

Gao Zhanming thought for a while, then he suddenly realized, and said: "It's done, don't ask me, I definitely can't do it, but don't worry, you go back first, I will think of a way for you, you go back and wait The news is."

Old man Wang was startled: "Master Gao, would you lend me money?"

Gao Zhanming was helpless: "In short, if you believe me, go back first. I will find a way to solve it for you."

Hearing Gao Zhanming's assurance, old man Wang wiped away his tears, thanked him a thousand times, and went back.

Gao Zhanming went to the government first, found Wang Sicao, and said, "Go and find out for me, Yang Fang's family, and several big families in Jiazhou Prefecture, what kind of business do they do on weekdays."

Wang Sicao was surprised: "Yang Fang broke the law?"

Gao Zhanming said: "That's not true. In short, don't ask so many questions, and check for me first. I just want to know about the situation in Jiazhou Prefecture."

Wang Sicao got the order and immediately sent someone to do it.

Gao Zhanming came out of the official residence and went back to the residence.

Gao Zhanming entered the gate of his mansion, he was absent-minded when he was walking, he didn't notice Li Jingruo sitting in the yard, he just stared at his toes and muttered something.

When Li Jingruo saw Gao Zhanming coming back, he didn't even say hello to him. He muttered what he was talking about, so he couldn't help but find it funny. After listening intently, what Gao Zhanming was muttering was: "Silver...Silver...Silver... ..."

Li Jingruo was amused by him, followed behind him, waited for him to enter the house, followed in, closed the door, stepped forward and flicked his forehead lightly: "You are crazy about money!"

Gao Zhanming turned to look at him.

Li Jingruo said: "If you are really short of money, you can sell yourself for money."

Gao Zhanming sneered disdainfully, found a chair and sat down: "You want to mention that 40 taels of silver again?" He pointed to his nose, "My lord, I'm worth 40 taels? You see, I seem to have sacrificed myself for just 40 taels." Sold it?"

Li Jingruo said thoughtfully: "You think the price is too low? Then you ask a price?"

Gao Zhanming curled his lips: "I'm afraid you won't be able to afford it."

Li Jingruo said nothing, just looked at him with a pair of eyes.

Gao Zhanming said: "Come on, don't use me for entertainment, let me tell you, I have come up with a few ways to make money, do you want to hear it?"

Although Li Jingruo was a little slippery, he never delayed his serious business. After Gao Zhanming said this, he moved a stool and sat down beside Gao Zhanming.

Gao Zhanming rationalized his thoughts and said: "Now the government is short of money, and the government's main source of income is private taxation. If it wants to fill the government, there are only two ways to go. The first is to increase the productivity of the people. If the output of rice goes up, the tax will be raised according to the ratio, and the income of the government will naturally increase. The second article, if the productivity does not increase, the common people can only grow so much rice, and the government will charge more money, which is four words—— The people fight for profit."

Li Jingruo nodded: "That's right. Now you build water conservancy facilities, appoint officials from the Agricultural Administration, and build roads, all for this first one. After this is done, you can increase the yield per mu of land, reduce manpower, and speed up the transportation of materials." Before Gao Zhanming and Li Jingruo traveled for half a month and inspected many places in Shu.The land of Shu is beautiful, with many mountains and rivers, but for the common people, these may not be good.The mountains are steep, the roads are difficult to walk, the roads are difficult to walk, and it is difficult for the place to communicate with the outside world. Unless the soil is fertile and the water is beautiful, it can be self-sufficient, otherwise it will inevitably end up in a poor situation.Therefore, building roads is also one of the big plans that Gao Zhanming and Li Jingruo are eager to do. However, the government really can't afford more money, and the court can't give too much funding. This matter can only be postponed for the time being, and we can wait until we have enough money. .

Gao Zhanming said: "Yes, but this one is too slow to take effect. Let's say that I can't build a waterwheel within a year or so, and I need to call countless craftsmen. After the completion, the waterwheel will be put into use. Maybe it will take a while." It will take two to three years to see the results. As for recovering the cost, it will take another seven or eight years."

Li Jingruo said softly: "This is a big plan, so naturally we can't rush it."

Gao Zhanming said: "Now I need a lot of money to build cars and roads, so I have to be in a hurry."

Li Jingruo raised his eyebrows: "So you are thinking, how to compete with the people for profit?"

Gao Zhanming nodded: "Yes. The simplest and rudest way is to increase taxes. However, Sichuan has just experienced locust plagues, and now is the time to cultivate health and well-being. At this time, the increase of exorbitant taxes will cause complaints from the people, and a few more rebellions will be made. When the case comes, we officials don’t have to be any more.”

Li Jingruo rested his chin on one hand with great interest, and said, "Then what good idea did you come up with?"

Gao Zhanming said: "I did think of a few ways. But..."

Li Jingruo said: "But you want me to help you? That's why you told me?"

Gao Zhanming clasped his fists to Li Jingruo pretending to admire: "Li Dudu is really smart, no one can match him!"

Li Jingruo circled his fingers and knocked on his forehead: "Come on, I've learned how to speak softly. Say what you have to say."

Gao Zhanming looked solemn and said: "To put it bluntly, to compete for profit with the people is to rob money. The money of the poor cannot be robbed. If the name of robbing is not right, it will be criticized by others. But we can rob the rich. .Those who want to grab the rich will have more names.”

Li Jingruo tapped on the table with his fingers, showing a sly smile: "Well, let's hear it."

Gao Zhanming said: "For example, the salt industry, wine industry, and mining industry, because of high profits and few materials, the imperial court does not allow private ownership, and the Tian family assigns people to operate them. They earn a lot of money every year and become a major pillar of the national treasury. To put it bluntly, this is also competing for the benefit of the people. If this matter is released and let the people do it, how many people can get rich because of it? But this is also a must. With money, the government can do more things that benefit the people. I think , find a few profitable businesses in this Jiazhou mansion, the people are not allowed to privately own, and must be manipulated by the government. In this way, the income will be more. But in this way, those merchants will naturally have opinions, and they will not care about them .”

Li Jingruo thought for a while, and said, "When you open a medical clinic, you can talk about practicing medicine..."

"It won't work." Gao Zhanming interrupted: "This measure was originally intended to benefit the people. If the price is raised, the common people will not be able to get treatment if they get sick. Wouldn't it be a dead end? Not to mention how much money you can earn from practicing medicine!"

"Hmm." Li Jingruo asked, "If there is anything in Jiazhou that is used by all the people, it seems that there is only a horse hanging. Are you going to let the government sell horse hanging tags? Or run a horse hanging hall?"

Gao Zhanming: "..."

Li Jingruo laughed loudly: "Seriously, what's your idea?"

Gao Zhanming said: "I just went out for a stroll, and I really came up with one - government lending."

Li Jingruo was surprised: "The government lends money? Is this going to take out money again?"

Gao Zhanming nodded: "If you want to make money, there are too few ways to do business without capital. But listen to me, lending money can pay back quickly. Jiazhou Prefecture now collects twice a year, once in spring and once in autumn. Wait for the waterwheel Once it is finished, the harvest can be increased. Loans can pay back quickly. When the money is sown, it can be recovered when it is harvested. It takes only half a year. By the beginning of next spring, the government can make a fortune. And this It is also a measure that benefits the people, and the people will definitely support it. The interest offered by the government is lower than that of the ticket number, and the threshold for the ticket number is high, and there is a minimum amount for borrowing. Some ordinary people with few families do not need to borrow so much money. If we borrow a lot of money and repay the interest, we don’t set a threshold, and we can borrow a hundred cash or three hundred cash, and the accumulation of less money becomes more. The common people just use grain to pay off the debt. In this way, the benefits Those who have been violated are nothing more than those shopkeepers who lend money at high interest rates."

Li Jingruo said with a smile: "You are the smartest. After you go through a lot of trouble like this, those big merchants will be offended by you."

Gao Zhanming said with a smile: "So this is why the governor Li Dadu is going to come forward. I have asked people to investigate what are the most profitable businesses in Jiazhou Prefecture. If they find out, it is feasible. The government will accept it. Anyway, they will be offended , and offend them more thoroughly. Of course, this is an expedient measure, only because Jiazhou is too poor now. The government has too much control, which is not a good thing for the common people. If you make enough money, then put the power back. .”

These are not trivial matters. With Gao Zhanming's current power, he can't do so many things, and he can't afford to offend so many people. Li Jingruo has to come forward.

Li Jingruo didn't move, and lazily leaned back on the chair.Gao Zhanming couldn't figure out what he was thinking, so he had to wait anxiously for him to speak.

After a while, seeing that Gao Zhanming couldn't sit still, Li Jingruo calmly said, "Madam, how long has it been, and I've lost all my face here."

Gao Zhanming could only laugh.

Li Jingruo said: "These are all borrowed from you."

Gao Zhanming was taken aback.How can it be regarded as his loan if it is loaned to the common people?But when Li Jingruo said this, it seemed that he agreed, so he happily replied: "Okay, let me borrow it from you."

Li Jingruo stood up from the chair suddenly, and pushed himself in front of Gao Zhanming, with his hands resting on the backs of the chairs on both sides of him.In this way, he and Gao Zhanming were very close, and Gao Zhanming was trapped between his arms, unable to move at all.

Li Jingruo stared at Gao Zhanming, squinted his eyes, and there was a dangerous light in his eyes: "You have to pay back the interest first."

"Huh? Ah?" Gao Zhanming was a little dazed.interest?

Li Jingruo said: "I borrowed debts for business, the principal can be repaid slowly, but the interest has to be repaid first, isn't that the truth?"

Gao Zhanming could only nod his head.He is a businessman. If a merchant wants to make a fortune, if the capital is not enough, he has to borrow. He does not have to repay the principal every year, but he has to repay the interest. The interest is higher than the ticket number, which is actually equivalent to a dividend.

Li Jingruo let go of one hand, lifted his chin, and looked at his face from side to side: "I don't think you can pay the debt, let's repay the debt with your body!"

Before Gao Zhanming could speak, Li Jingruo kissed him suddenly and forcefully, sticking his tongue into his mouth and stirring it.Gao Zhanming was so frightened that he couldn't hide from his chin being clamped by Li Jingruo - although he didn't even think of hiding.

Seeing Gao Zhanming's cooperation, Li Jingruo became even more aggressive. The tip of his tongue nimbly swirled in his mouth, licking his upper and lower jaws all over.

Gao Zhanming didn't think to close his eyes, and stared blankly at Li Jingruo.Dare to love this guy for real?

After a long while, Li Jingruo finally withdrew from his mouth, licking his lips eagerly: "I'll charge you half of the profit first."

This is half a point?What is that ten-point gain?

Li Jingruo touched Gao Zhanming's face in satisfaction, turned around and left.

When the door was closed, Gao Zhanming dazedly touched his lips that were still warm.After a long while, he finally choked out a catchphrase that Liu Rukang often used: "Ge Laozi..."

Is this a gain, or a loss?