Embarrassing things still happened, but they were nothing.

Literary people always like to talk about the big principles first, but they ignore the principle of simplicity.

But that's okay!

The head of the bank cleared his throat and said: "To put it bluntly, you borrow a hundred yuan from the bank to buy a new plow. It is agreed that it will be repaid in five years. The interest for one year is half, which is five yuan. In five years, it is twenty yuan.

Fifteen yuan. A total of one hundred and twenty-five yuan will be repaid in five years. You only need to repay twenty-five yuan every year."

"And now the price of grain is four cents per stone. After the harvest every year, you only need to pay back six cents and one stone for five consecutive years. Do you understand what I said?"

When the head of the bank said this, everyone knew what was going on.

It's just that I have to pay an extra twenty-five dollars in five years. No matter how I think about it, I feel very painful.

Twenty-five yuan can buy six stones and one jun of grain, enough to feed one person for four months...

"Don't just worry about that little grain. It only pays back six stones and one pound of grain in five years. This is only a little more than one stone a year in interest. Think about it again. If your family has a new plow, it will

It’s always okay to open two acres of land every year, right?”

"Even if we only collect two and a half stones per acre, that's still one stone more than before, right? We've collected two stones more this year. How much is five years? We've collected ten stones more! Even if you pay the interest on these six stones and one jun,

But after five years, don’t you still have three stones and three jun in your hands? If you don’t buy this new plow, where will the three stones and three jun come from?”

"This has been the case for the past five years. After five years, you will not have to repay the loan in the future. If you are lazy, you can still collect two more dan of grain every year. If you are diligent, it will not be a problem to collect an extra three or four dan, right?"

"As for whether the loan will be repaid more and more, you don't need to worry about this. Even if the bank wants to cheat you and the Ministry of Revenue wants to cheat you, will His Majesty the Emperor agree? If it is as you think, ministers

How many heads are there enough for His Majesty the Emperor to chop off?" The head of the bank took advantage of the situation and attacked, with every word he said, directly hitting people's hearts.

The people around him also began to think seriously about this matter.

The first thing that can be determined is that if you have a new plow at home, the amount of land cleared every year will definitely increase.

It's just a little tired.

But as a farmer who has been digging in the fields all his life, the last thing he fears is tiredness.

As long as the family can have enough food all year round, never go hungry, and never worry about how to prepare the next meal, they are willing to do it no matter how tired they are.

The new plow is indeed much more labor-saving. In addition to the lower iron coulter, the structure is also very different from the old plow, and the manpower is basically saved in half.

All in all, this price and interest are acceptable and affordable to them.

"The bank really won't let us pay back more and more?" An old man stood up unsteadily.

As an old man who had suffered the pain of borrowing money back then, he has the best experience of this.

"Of course not. Banks don't lend money just by talking. They need to set up vouchers. Every time you repay the loan, the bank will also give you an acknowledgment. If the acknowledgment in your hand proves that you have repaid enough and it has not been overdue,

, if the bank still asks you to pay back the money, you can go directly to the government to sue the bank with the voucher." The bank manager said.

"Sue the official?" The old man frowned, not understanding what the other party was doing.

You have already explained that the banker is also an official, so why should you sue the official?

Whether you sue or not is another matter, because they don't dare to sue just because they have an official name.

"Yes, it means suing officials. This is not the case anymore. His Majesty the Emperor often said that the country must be governed according to law. No matter who he is, he must have laws to follow and evidence to test. Your Majesty just can't bear to watch the people live in front of them.

It was the same as in the Qin Dynasty, so we established these rules in the hope that the people can live and work in peace and contentment and live a happy life." said the bank manager.

"Okay! His Majesty the Emperor said it well! Based on this, my three boys bought one for each!" The old man waved his hand excitedly and decided directly.

Although the three men in their thirties looked confused and reluctant, their father had already spoken and they could only hold back their opinions.

In the end, I could only follow my father's wishes and honestly apply for the loan on the spot.

The procedure is also very simple. The village stalwart testified and confirmed that the three loan recipients did have fields in their homes and that they had enough people to cultivate these fields.

Instead of signing a written note to the bank, the three of them chose four years instead of five years, which meant they had to pay back a total of one hundred and twenty coins, equivalent to thirty coins per year, corresponding to seven stones and two jun of grain.

The receipt was set up and one copy was given to each of the three people. The banker also left another copy. The amount, time, amount of repayment in each installment, or amount of food were clearly listed on it.

Of course, the money was not given directly to the three of them, but a certificate was issued to Tian Dan. The money did not need to be transported back and forth.

Not only is it troublesome, but it is also a waste of manpower and material resources. When the time comes, Tian Dan can just take this voucher and go to the bank to cash it.

And this incident once again made Tian Dan feel the convenience and power of the bank. He can do this business by himself. He doesn't even need to count the money. He only needs to go to the bank to check the accounting numbers.

Just make sure there's nothing wrong, it's very convenient.

Of course, Tiandan did not bring so many plows today.

Tian Danyan said that someone would pull the plow over early tomorrow morning, and then he would be able to pick up the plow with the loan receipt signed with the bank.

And because there was a local mistress as a guarantee, everyone didn't have so many worries.

The first day's trip was pretty good. More than 100 households were summoned and more than 20 plows were sold.

This effect is actually very good, and with this base, Tian Dan will be more confident next time.

The bank had already greeted them, and now the bank was eager to have the people recognize them and build a reputation as a bank, so they were extremely cooperative.

Therefore, Tian Dan quickly notified the people he had arranged to set off immediately. Each county in Sanchuan County sent several people. When they arrived at the place, the bank boss would cooperate, and the village scumbag or county-level officials would accompany him as guarantee.

Tian Dan can basically confirm that the thousand plows in his hands will be sold soon.

At the same time, Tian Dan felt that the transportation team was really a good thing.

After returning to Luoyang, Tian Dan immediately arranged for someone to notify the transportation team to come over to pull the plow and deliver it to the customer.

Since the customers are relatively concentrated, Tian Dan only needs to send two people to follow them to confirm the customer's identity.

As for the distance, it's very close and you can go back and forth in half a day.

It's just that the plow is so big that one car can only hold three of it.

Fortunately, the distance was not far, so Tian Dan discussed it and hired nine of them at the price of two yuan per vehicle.

…

Luoyang, inside the imperial palace.

The spring is warm, the flowers are blooming, and the greenery makes the whole person feel much more comfortable.

Wang Ling has been in a bad mood recently. If he could, he would definitely explode on the spot.

These days, not only the common people are poor, but the government is also very poor.

As a Ministry of Industry that could only rely on government funding to make a living, there was such an excellent opportunity to make money in front of him. Although he also made the money, he was just jealous.

Why does this money make it so easy for Tian Dan?

Thinking of Tian Dan's sullen expression when he came to find him, Wang Ling really wanted to kill him.

However, one month later, Wang Ling decided that he could no longer bear it.

He decided to help with the farming.

"Your Majesty, the ability of the Marquis of Qi in business in the past year is very admirable, so I suggest that the Marquis of Qi be appointed as the Minister of Commerce to be in charge of the commercial development of the empire!" Wang Ling suggested directly to Wang Buxu.

"Oh? What are other people's opinions?" Wang Buxu glanced at Wang Ling, but did not criticize it directly.

Although he did not leave the palace, he had heard about the things happening in the fields outside.

Although Wang Ling lost an opportunity, it was not completely lost. It was just that he made less money.

It is understandable to put some eye drops on Tian Dan now.

Besides, Wang Buxu really felt that Tian Dan was quite talented in business, and he was indeed a good candidate.

"Your Majesty, I think Marquis Qi is qualified for the job. Recently, the bank has basically been supported by Marquis Qi!" Zhang Cang nodded in approval.

Well, he would never say that he had met Wang Ling before.

After all, Tian Dan is really capable. If he is a fool, even if all the civil and military ministers of the dynasty recommend him, His Majesty will not let him be the Minister of Commerce.

"Tell me how many benefits Tiandan has brought to you these days!" Wang Buxuan smiled slightly. Of course there are problems if the business is doing too well, and it is a big problem, because there will be a lot of jealous people.

People don’t complain so much about the construction projects in the fields, because the work is very tiring and not easy to do.

Although it is profitable, the initial investment is too great. Except for upstarts like Tian Dan, no one in the whole Han Dynasty can play it successfully.

But the matter of selling farm tools is different. At present, the whole Han Dynasty has discovered two diggers, one is the Minister of Hubu Zhang, and the other is the Minister of the Ministry of Industry, Wang Chuebi.

Now Tian Dan was directly involved in playing with himself, and he suddenly had two cunts interested in him, making it difficult to escape.

Wang Ling looked at Zhang Cang, but that old fox Zhang Cang was not fooled. You were the one who started it, and you also made the most money. Why should I say it first?

In desperation, Wang Ling could only say cautiously: "Your Majesty, in the past month, the Ministry of Industry has made 140,000 yuan..."

The initial 1,000 aircraft were sold out in less than five days, and then Tiandan directly replenished 3,000 aircraft, and these 3,000 aircraft were also sold out within a month.

The production cost of the Ministry of Industry is about fifteen yuan per aircraft. Since the contract stipulates a price reduction in the autumn, the goods are still shipped at a price of fifty yuan per aircraft.

When he heard that the Ministry of Industry had actually made a profit of 140,000 yuan, Zhang Cang suddenly felt that the money in his hand no longer tasted good.

What and what is this?

But everyone's eyes were already looking at him, and it was obviously impossible to remain silent at this time.

Zhang Cang could only say: "Your Majesty, after counting the interest and expenses on the loan, Tiandan's profit for each plow sold is 40 yuan. This month, 4,000 plows were sold, totaling 160,000 yuan. According to the 15% tax,

One, so the tax revenue from the Ministry of Household Affairs is 10,666 yuan."

Wang Buxu nodded. Although more than ten thousand dollars is not much, it is just the beginning. There will be more to come later. Moreover, this is only direct income, and there are more invisible incomes.
Chapter completed!