Chapter 16 Dasong Bank After making up her mind, Zhao Yingluo ordered Chuntao to arrange a carriage and horse to go to Zongze's mansion, and by the way, she packed two sacks each of the newly harvested sweet potatoes and potatoes.
Coincidentally, Lu Haowen was also there!
Seeing the princess coming, Lu Haowen subconsciously wanted to salute again, but Zhao Yingluo coughed and took it back.
"Wanshu has met her adoptive father and her uncle."
After Zongze motioned her to sit down without courtesy, he immediately asked, "How come you have time to come to my place when you are not busy with things in the fields and 'Drunken Lotus'?"
"Now that there is a good harvest of sweet potatoes and potatoes in the fields, Wanshu specially gave some to her adoptive father to taste."
"sweet potato?"
Seeing that Zongze was a little confused, Lu Haowen explained, "It's similar to taro, but much more delicious than taro."
After a while, the servants brought in four sacks. After Zhao Yingluo untied the hemp rope, he took out a piece of clean sweet potato that had been removed from the mud.
"This crop can be eaten raw, cooked or roasted. It tastes very sweet."
After saying this, Zhao Yingluo broke the sweet potato into two and handed one piece to Zongze, and the other piece to Lu Haowen.
Zongze took it and took a closer look, and suddenly realized, "This...isn't this the one when eating hot pot..."
"Yes, that's it!"
Zongze was overjoyed and said, "That's great. Come on, hurry up... and send it to the kitchen. First, cook a pot for everyone in the house to taste."
"Chun Tao, follow me to the kitchen, boil part of a bag of sweet potatoes and grill part of it, and teach the cook how to do it."
After arranging for Chuntao to go to the kitchen, Zhao Yingluo mentioned the business of her visit.
After knowing her purpose, Zongze and Lu Haowen looked at each other and smiled, "Your uncle and I are discussing this matter. The Jin people's invasion from the south has caused great damage to the agricultural production on Tokyo East Road and Tokyo West Road. The Jin people Most of the royal family members and ministers were kidnapped, and the gentry and landowners moved southward to save their lives. Large areas of farmland were abandoned because no one was cultivating them..."
After Zhao Qianshu heard this, he immediately understood.
Although the gentry landowners moved south, the land deeds were still in their hands. Even if large tracts of cultivated land were abandoned, farmers who lacked land could not directly cultivate it.
In the past few days, he and Lu Hao were having a headache and asked how to deal with it properly.
"Can't those lands be directly allocated to farmers for farming?"
Zongze shook his head, "What will happen if those landowners come back to make trouble? Your uncle and I feel heartbroken when we see this large piece of fertile land abandoned."
"Then what the foster father means is that all these lands belong to me?" Zhao Yingluo asked tentatively.
Zongze nodded, "After the land is given to you, you only need to give [-]% of the harvest to the court every year, and the court will give half of this share to the landowners who hold the land deed. In this way, even if those landowners come to ask for it with the land deed, Returning to the land, I can also deal with it.”
Zongze's method is actually equivalent to Zhao Yingluo renting the land from these landlords. This [-]% of the harvest will be rent, but the court will take half of it.
But Zhao Yingluo doesn’t want to do this!Just like the difference between renting a house and buying a house in later generations.
A rented house will never feel like home, only a purchased house is home.
Let her rent these people's fields, who knows one day these people will take them back.
After thinking for a while, Zhao Yingluo said seriously, "Father, uncle, I don't want to rent, I want to buy all these lands."
"Buy it?" the two old men asked in unison.
"Yes, buy it. Only after buying it, I have complete autonomy. I can re-divide the land according to the characteristics of each piece of land and plant crops suitable for the soil quality."
"According to statistics from the Ministry of Household Affairs, the abandoned farmland around Kaifeng City alone has reached 40 acres. Are you sure you want to buy it?" Zhao Yingluo nodded firmly.
"Based on the five guan per acre, the 40 acres of land should be worth 200 million guan, which is about 100 million taels of silver. Do you have that much money?"
Zhao Yingluo smiled lightly, "Wanshu currently only has a thousand taels of silver."
Zongze shook his head, "1000 taels is enough to buy two thousand acres of land."
Zhao Yingluo asked calmly, "If I can raise 100 million taels, can the court make the decision to sell all these hundreds of thousands of acres of land to me?"
"This……"
Zongze glanced at Lu Haowen and then said, "We must ask the Supreme Emperor and the officials to make a decision on this matter."
"Okay! I'm waiting for the good news about my adoptive father and uncle."
"Are you sure you can raise 100 million taels in a short time?"
Zhao Yingluo said confidently, "Sure!"
"Okay, I will immediately hurry up and ask for instructions from the Supreme Emperor and the officials, and I will give you the news in ten days."
……
After everything was settled, Zhao Yingluo started her capital operation and decided to set up a bank! In fact, in this era, there was already a prototype of a bank - a bank.
The Bank was an official financial institution in this era, under the jurisdiction of Taifu Temple. Its main business was lending and deposits.
Its lending business mainly involves the use of property as collateral, that is, the borrower can hand over his or her property to the pawnbroker as collateral and obtain a certain amount of loan.
If the borrower fails to repay the loan when due, the mortgage title will confiscate the pawned item and sell it to recover the lending method is similar to mortgage loans from later banks.
Of course, the mortgage office also carries out deposit business, mainly absorbing deposits from wealthy aristocrats and paying a certain amount of interest.
However, after the Jingkang Incident, the resistance of Kaifeng City no longer existed. Those who were in urgent need of money had to borrow money from wealthy people in the form of private loans at usurious rates. Once they could not repay, their families would be ruined.
Two days later, Zhao Yingluo spent money to buy a shop in the middle of Royal Street, not far from the palace.
This shop turned out to be a pawnshop. After Kaifeng City was looted, this pawnshop was not spared. The owner had no business capital and had to close down.
Ten days later, the store reopened after simple decoration, but the signboard above changed to the words "Da Song Bank"!
There is a red paper posted on a board outside the store, which reads, "The Dasong Bank established by the boss of 'Drunken Furong' provides an annual interest rate of [-]% on deposits."
At the same time, Zongze also received the reply from Lin'an, and Zhao Gou agreed without any surprise.
In fact, in Zhao Gou's eyes, the north of the Yellow River and even the entire surrounding Kaifeng City have become dispensable. After all, once the Jin people go south again, Kaifeng City will be the core target.
If the imperial court could extract 50 taels of silver from this transaction, why not do it?
After learning that Zhao Yingluo had opened a "Da Song Bank", Zong Ze and Lu Haowen hurriedly took a carriage to Yujie.
When they were still a hundred feet away from the "Da Song Bank", they heard the continuous noise and opened the curtain of the carriage to take a look.
Almost thousands of people gathered around the "Da Song Bank".
Zongze murmured in his heart, could it be that his adopted daughter caused unnecessary trouble? Thinking of this, he urged the driver to speed up in that direction.
(End of this chapter)
