sheepskin for melon

Since the Efa Temple is going to be operated as a bank, the money in the bank cannot be kept dry in the treasury, but must be circulated.

To say that in ancient times, money made money the fastest, it must be usury.However, although Chi Li is not a good person, he still can't do such immoral things as lending usury.Therefore, a "micro-loan" was launched, which was distributed to small and medium-sized traders.

Why do you want to do this, you have to talk about the social status quo of the Yong Dynasty.

On the whole, the Yong Dynasty was unprecedentedly prosperous.The continuous improvement of the land network and canal water system in the past dynasties has facilitated transportation and greatly promoted trade, and the continuous improvement of production technology has also made grain reserves more and more abundant.

In this context, a hotbed of commerce naturally emerged, so that commerce flourished unprecedentedly, and capitalism quietly sprouted.

The Yong Dynasty has developed a prosperous urban economy. For example, Yongjing has no curfew, and the market is open on the street, day and night. It is almost the same as the current metropolis. Commerce has become the economic pillar of the Yong Dynasty.

However, in a centralized feudal society, this trend of economic development will inevitably cause a problem, that is, wealth is increasingly concentrated in the hands of a few people, and the rich get richer and the poor get poorer.

The combination of big landlords, big businessmen, and officials will monopolize more wealth in their own hands, but there are no effective restrictive measures in this regard in ancient times. Facing the strife of such a huge group, the common people will only get worse. More and more hands over the chips in their hands.

The most terrible point is that the imperial court has not restrained land annexation, and land can be bought and sold freely.

From an economic point of view, this promotes economic circulation, and is also conducive to the integration of fields to maximize benefits.

But the ones who benefit the most are always those officials, big businessmen, and big landlords. In the end, ordinary people gradually lost even their land.

So they can only rent the land of the landlord's master's house, and pay taxes to the court while paying rent to the landlord.

And people's greed is endless. Those who have gathered most of the wealth will not think about taking it as soon as it is good, but continue to swallow it. Not only that, they will also try to hide taxes.

So the economy is getting more and more prosperous, but the court can't collect money.If the court has no money, it can only raise taxes.With the addition of upper-level people, there are still ways to hide, but in the end they can only be exploited layer by layer.

Under such circumstances, who would be willing to plant that one-third of an acre of land and barely make ends meet throughout the year.

But doing business is not so easy. Poor people have less and less chips in their hands, so how dare they gamble lightly.

The microloans provided by Chili are aimed at those groups who want to try but are afraid to try.

The amount distributed each time is not much, like the 50 taels of Miao Niangzi's noodle shop, it is already considered too much, and the short fat man made an exception and distributed more because of his advanced thinking.

Naturally, these people did not dare to borrow more. After all, thousands of words are not worth the natural fear of the word "loan" of the people living here.

His mother came to ancient times just to play, without pressure, so she could open a shop on the street without any scruples, and it didn't matter if she lost money, the native people in ancient times were not so chic.

So these people who come to the door, either want to buy a few donkeys to buy and sell in other places; Machine and thread, weaving cloth for a living.

If there is no major problem, the money can be paid back quickly. After paying back the money, these things are their fixed assets, and all future earnings are their own. How can they be unhappy?

And Efa Temple also received interest money, although it is small, but it can't stand the crowd, and it will pay back quickly.With the setting of reducing the principal, those who are not well-to-do will definitely try their best to pay back the money quickly and save interest.

Not only that, but also cultivate a customer base.People who bought donkeys and made money may want to build a horse team to make more money; If you are a person, you may want to open a weaving village, in short, you will have more business contacts with Erfa Temple.

As for the [-]% deposit, it is required.

Chi Li has never doubted the evil of human nature. Those ordinary people are pitiful, but being pitiful doesn't mean they won't cheat with you.

"Promoting rice to raise kindness, fighting rice to raise hatred", now he has a condescending and oppressive posture everywhere, lending money only when he is begged by others, those people will think that he is a good person and have received his great kindness.If he provides help free of charge, many people may complain why he doesn't give money directly.

This kind of Huimin loan to support "small and micro enterprises" should have been done by the imperial court, but now he, a "private enterprise", has done it for the imperial court.He is no philanthropist.

However, the possibility of borrowing a loan and running away without repaying it is not great. After all, ancient times are not like modern times. There is a bottom line for Lao Lai's methods.In ancient times, if the money owed to a temple was not repaid, it would have to be weighed and weighed. For such a small amount of money, it is not worth it.

Speaking of this, he really had to cultivate some armed forces, after all, it was so unsafe in ancient times.Should it be normal to raise some monks in temples?

In the future, the "Efa Temple Bank" will be opened to all parts of the country. Chili's goal is to make the Efa Temple the financial center of every city in the Yong Dynasty.

It not only provides special loan services for businessmen at all levels, but also savings services, and insurance services can also be considered when it is stable.

It is worth mentioning that in ancient times, no interest was paid for storage, but a storage fee was required, which is very flattering.

In this way, as a bank, Erfa Temple has a large amount of working capital to use, and he can use this money to make various investments. As a modern person, he can invest in many projects.

In the future, he will become the first big capitalist in the history of the Yong Dynasty to be as rich as an enemy.

People who don't know the future generations of the Yong Dynasty, how would they evaluate him as a strange monk?Really looking forward to it.

From some details, Tan Yushu could deduce what Chi Li wanted to do, and was immediately amazed, but——

"Brother Chi, won't it be tiring to supervise so many people?"

Chi Li snatched the cat from Tan Yushu's arms, and said casually: "In the future, if we hire more employees, and the basic salary plus commission, they will naturally devote themselves to improving performance. But many people who can be used in the temple are illiterate, so I Send them to Master Yuanku for training, at least until they understand the ledger and know how to plan before they can use it."

"Master Yuanku?" Tan Yushu was a little surprised.

This person of the same generation as Yuan Rong naturally has a high status in the temple.It's just that this person really devoted himself to practicing Buddhism and didn't care about worldly affairs. He didn't expect to be poached by Brother Chi to be his teacher.

Chi Li didn't think about it at first, worried that he, a capitalist full of copper smell, would pollute the pure heart of the Buddhist master, and thought about whether he should be placed in another temple.

But I didn't expect this master of true Buddhism to be very receptive. After knowing that he wanted to start this "small loan", he felt that it was a good thing for the benefit of the people, so he started to help him train those young monks.

It is worth mentioning that Chi Li is also one of the trainees, because in ancient times, he was actually "illiterate", it is really a good reincarnation.

……

Time passed quickly, and soon came New Year's Eve.

The Efa Temple is far away from the high mountain, and only a few firecrackers can be vaguely heard from the imperial city, which is very deserted.

On New Year's Eve, all work is forbidden, so everyone put aside their busy life for a year, and began to reunite with their families and indulge in pleasure. The people who used to come to ask for loans in an endless stream are gone today.

But Baigong is closed, but the diet is not.Chi's mother started making "tiger buns" filled with red beans early in the morning, ordered two candied dates as eyes, and sold them from morning to night.Seeing how happy she was, Father Chi also came over to join in the fun.

Tan Jiuge put porridge under the mountain temple and gave "merit leeks".Chinese New Year is the time to eat dumplings, and suddenly many people gathered to ask for a bundle of leeks, so that they can make dumplings with three delicacies at home.

But for a rich family like Tan Yushu, there are many rules and things to do, so they can't see anyone.

So only Chi Li was left with nothing to do, and he didn't want to join in the fun, so he stayed alone in the meditation room, quietly watching the incense rise and die.

"Meow."

The little old man jumped off the beam and came to him.

Oh yes, and a cat.

Sitting quietly on the futon, he stretched out his hand, and the white cat slipped into his arms and dozed off.

After an unknown amount of time, the door suddenly opened, and the noise from the outside world suddenly became clear.

Brother Tan's face was flushed from the cold, but he was still laughing. The sound of firecrackers was too loud, so he shouted at the top of his voice, "Abbot! Go out and play! The goddess of heaven is here!"

What a mess, no interest, refused without hesitation: "No."

"Hey? Why?"

Chi Li's body froze at this familiar voice, and he suddenly raised his head. It was Tan Yushu who thought it was impossible to appear here.

This man wore a fiery red satin cloak today, with a fluffy pure white foxtail around his neck, and slowly exhaled a cloud of white air from his mouth.

Unlike usual, today he has a ring of pink and tender "peach blossom branches" on his hat, which looks festive and playful.Coupled with the pair of wet, watery eyes under the hat, it makes people tongue-tied inexplicably.

Chi Li stammered: "You... why are you here!"

Tan Yushu brushed off the cold air from his clothes, hehe said: "After worshiping the gods and sacrificing ancestors, my mother went to play with my aunt and the others. I have nothing else to do, so of course I came to Brother Chi."

"Humph."

Chi Li turned his face away: "Don't you have many good friends, why don't you look for them, but come to me instead?"

Tan Yushu blinked: "Who are you looking for? Brother Chi, do you mean Brother Zhuang? The family reunion on New Year's Eve, why don't I go?"

Pond: ...

With a sneer: "Oh, it turned out that no one else was looking for it, so that's why they came looking for me."

Uh... why is it a little sour?

Brother Tan stood aside, scratching his head suspiciously.

Tan Yushu's eyes poured out, and he smiled and said, "What did Brother Chi say? It's rare to have a quiet day this year, so how can it be used for socializing? Naturally, I want to find my best confidant and best friend, and travel with me. Besides Brother Chi, who else in this world can be the second choice?"

Uncle Zhuangzi, didn't you just tell me about the second choice?

This person's ability to make up nonsense with his eyes open is so amazing, I really don't know which words can be believed.

But who told him that he also wanted to go out for a stroll, so he had no choice but to go together.

The little old man fell asleep, the cushion disappeared, and when he opened his eyes, he saw brother Tan Jiu.

"Hey, those two don't want you anymore, I'm the only one left~ Do you have anything delicious here? Share it with me!"

Little old man:?

……

As soon as he came to the city, Chi Li's ears instantly lost their function.

The street is full of lanterns, bright as day, and fireworks explode in the sky with various flower balls. There are hawkers selling all kinds of eating toys along the street, and people parading on the street rub their shoulders.

All kinds of voices were mixed together, and two people who were very close had to raise their voices to be heard by each other. Chi Li lay next to Tan Yushu's ear and shouted: "Why are there so many people!"

Tan Yushu also grabbed his shoulders and shouted back: "Because it's New Year's Eve! Street sales! No tax! Men, women, old and children! Traveling is not taboo! So there are so many people!"

Ok……

But is this coming out to play, or is it crowding people?

Just as Chi Li was frowning in the face of the street noise, his hand was suddenly grabbed. Chi Li was taken aback and looked at Tan Yushu beside him.

Tan Yushu grabbed his hand and said in a very natural voice, "Brother Chi! Catch me! Don't get lost!"

Pond: ...

He is such a big man, can he get lost?

Passively being held by Tan Yushu and walking through the crowd, Chi Li wanted to speak, but couldn't open his mouth, everything around him seemed blurred and bizarre.

The parade of celestial maidens walked over with drums and gongs. The "five ghosts and celestial maidens" who walked on stilts, painted with thick oil paint, and danced strangely, sprinkled the talisman paper in the flower basket around from time to time to drive away disasters and diseases. epidemic.

The talisman papers sprinkled all over the sky, falling everywhere one after another, and one piece of it happened to land on Tan Yushu's hat, with a corner hanging down to cover his eyes.

Tan Yushu stopped, blew on it without blowing it off, and was about to stretch out his hand to blow it off, but two thin and slender fingers suddenly appeared in front of him, helping him to gently pinch it off.

Looking back suddenly, he bumped into Chi Li's eyes.

Those eyes seemed to be able to swallow light, and there were dancing lights everywhere, but they couldn't let those dark eyes get out of the shadows.Immersed in such a pair of eyes, the hustle and bustle around him seemed to be sucked away.

Tan Yushu confronted such a pair of eyes quietly, and suddenly wanted to take a closer look, what was under those two dark vortexes?

The gravel in the pool is like a beast that has been deterred from sight, as if it will be defeated if it moves.

The ferocious beast staring at him has beautiful fur and a docile appearance, but when "it" approaches, Chi Li can still hear the restlessness deep in his heart, as weak as a snail that has been peeled off its shell Panic again.

"It" shouldn't come over again!Of course, you can also come over a little bit...

Chi Li's heart was pounding, and suddenly——

"Master Miaofa! Lord Tan!"

A familiar greeting shattered the frozen atmosphere.

When the two turned their heads together, they saw Mother Chi greeting them.

Tan Yushu: ...

What happened just now?It seems that something is not right...

He coughed as if nothing had happened, and smiled solemnly: "Ms. Miao's noodle shop is nearby, so I just wanted to say hello to Mrs. Miao."

Pond: ...

"Then let's go." His expression was indifferent, and there seemed to be no waves.

Unanimously, they let go of their hands and walked towards the noodle shop side by side.

The Dabo people ran after the Tiannv's team. It was rare to relax for a while on the road. Mother Chi held up two "tiger bags", one for each person: "Master Miaofa! Master Tan! Happy New Year!"

Tan Yushu immediately bowed and said hello to the elders who wished the younger ones New Year's greetings.

Mother Chi was very happy infected by the festive atmosphere, and one of them stuffed a "tiger bag" for them.

After a while of tacit greetings, let them play.

But it's a bit strange, those two people were almost here just now, why did they stop suddenly?Got sand in your eyes?

……

Tan Yushu is holding the "tiger bag". The white tiger has patterns drawn with brown sugar, and the round black candied dates are used as eyes, exuding a faint sweet fragrance.

"so cute……"

Turning his head to look at Chi Li, he was about to share this cuteness with him, when Chi Li bit off the "White Tiger" and half pulled his head, leaving one eye to look at Tan Yushu faintly.

Tan Yushu: ...

There was no way, Chi Li ate dinner too early, now after such a long time, and after such a long walk, he was really hungry, so he opened his mouth and bit off the other half of the tiger's head.

Tan Yushu shook his head: How cruel...

Holding up the "tiger bag", let's eat from the ears first, so I bit off one ear.

After eating the "Tiger Bun", the two bought two jars of good wine and came to Jia Langzhong's shop.

Jia Langzhong is the doctor who treated Chi Li. After some recuperation by him, Chi Li's health is indeed getting better and better recently.Chi's father and Chi's mother have been overworked for so many years, and it is inevitable that they will have some minor ailments. After coming here to see them, they have been diagnosed and treated, and they have improved a lot.Taking advantage of this new year's festival, it is natural to prepare a small gift.

Jia Langzhong's son was killed by water bandits in his early years, and now only a few apprentices are left by his side.On New Year's Eve, the disciples all went home to celebrate the new year, and it was also sad for him to guard the shop alone.

Seeing Tan Yushu and the others were immediately very happy. They asked them to sit down and have a few glasses of wine. Before leaving, they took off the "peach blossom branch" they wore on their hats and gave them to them.

Different from the hustle and bustle outside, the medicine street is full of pharmacies and clinics, naturally there are not so many people visiting, and it is surprisingly quiet.

Chi Li looked at the imitation "peach blossom branch" in his hand, and at the circle of "peach blossom branches" tied on Tan Yushu's hat, and was a little puzzled: "Why are so many people wearing peach blossoms on their heads?"

Tan Yushu chuckled: "It's a custom here. On New Year's Eve, we will wear some peach blossom decorations on our hats or in our hair."

"Oh, why didn't I?"

Tan Yushu: ...

He glanced at Chi Li's bald head calmly.

Pond: ...

A bald head doesn't deserve it, right?

……

After visiting the people who should be visited, the two walked all the streets and played all the fun things. They didn't return to the mountain temple until the five watch drum sounded.

Chi Li stood at the foot of the mountain and lowered his eyes: "Do you want to sit up?"

Tan Yushu smiled and said: "No, the big ceremony will start at Maoshichu, and I have to prepare to enter the palace in advance."

Chi Li looked at the sky and frowned: "So early?"

"It's customary, there's no way."

Chi Li calculated the time, and it was five o'clock in the middle of the night, and now it was past three o'clock, and there was no time to rest.

If you still have to go to court on the first day of the new year, why didn't you say it earlier!

Seeing Chi Li's expression, Tan Yushu smiled and said, "Brother Chi, don't worry, it's rare to have a happy New Year's Eve, so staying up all night is nothing to me."

Pond: ...

Let him do whatever he wants, whoever feels uncomfortable knows.

When he turned to leave, Tan Yushu suddenly stopped him.

Chi Li turned his head and asked condescendingly, "What else is there?"

Tan Yushu took a step forward, pinned a newly bought peach blossom branch on the ring of his cassock, then returned to the original place, saluted with a smile and left.

Pond: ...

Picking up the "peach blossom" on his chest, watching Tan Yushu's back gradually receding, he fell into a daze.