Weird Three Kingdoms

Chapter 2192 Plan ahead
Some people like spring, some people like summer, and of course some people like autumn or winter, but for most people, which kind of weather they like is just not hurt by this kind of weather.

For example, some people like spring, and when spring comes, there will be a deep and full voice, and it will be the day when all things mate, and then they suddenly find that the old king next door...

cough cough.

Relatively speaking, more people like spring and autumn, and less in summer and winter. After all, summer is hot and winter is cold, which is not so comfortable.

Just like now, Fei Qian and others also hate this winter, which is getting colder and colder.

But some things are not annoying, they will disappear automatically, just like the cold winter weather, obviously preparing to appear continuously, before Qiu Guliang can stand still, he hurried over, and then kicked Qiu Guliang. Aunt kicked cold...

"Message from the Yin Mountain, there is a lot of ice and snow in the northern desert..." Fei Qian sat in the hall of the Huqi Mansion, looked into the distance, and said slowly, "A certain miner, slave labor and others have been ordered to go south to the Yin Mountain avoid snow...」

There are gold mines in Feiqian in the north of the Yin Mountains, and now that it is getting colder and colder, the semi-open-pit gold mines can no longer operate, so all personnel can only be evacuated and wait until the ice and snow melt next year.

Beside Fei Qian sat Pang Tong, Xun You, Zhuge Jia Xu, all with serious expressions.

"Taiyuan, Shangdang, there is also a message, the snow is knee-deep, and the road is difficult..." Xun You said, "In the north of Pingyang, some cattle and sheep froze to death... Now, as the lord said, the cold winter is coming again. Coming soon...」

Jia Xu also sighed and said, "There are many Qianghu people in Longyou, scattered in counties and counties. Although someone sent someone to remind them, it's just...these Qianghu people..."

Jia Xu didn't continue, but everyone basically understood the meaning.Although the war between the Western Qiang and the Han people has stopped now, except for Baishi Qiang and others who are close to the Han people, the Qiang people in some remote areas still don’t have a good impression of the Han people, so even if Jia Xu sent people to go there Reminder, these Qiang people may not be willing to listen.

These Qiang people are as stubborn as a rock.

Fei Qian glanced at Jia Xu, and then said: "So, Wen He should send more reminders..."

Jia Xu obviously knew what Fei Qian meant and nodded slightly.Whether the reminder is effective or not, and whether the Qiang people will be willing to listen, is the second thing. What is more important is to let these Qiang people know that someone is paying attention to them, so that they will not make trouble again when they are really desperate...

With hope, after all, the degree of tolerance will be higher.

Pang Tong said: "Chang'an Sanfu, although the coal reserves are sufficient, but depending on the weather, it is appropriate to transfer some more..."

Zhuge Liang also said: "In Lantian, the reserves are a little thin, and the villages are full of trees, so we should pay more attention to fire prevention..."

A few people got together, chattering, and almost sorted out the preparations and countermeasures for the cold winter.Then when the discussion was almost over, Xun You also recorded all the matters, and then presented them to Fei Qian.

Fei Qian picked up the minutes, looked up and down, then nodded, asked Huang Xu to take the seal, signed his name on it, and then stamped his own Hushi seal, which also represented this The minutes have become an official document, which will be issued to counties and counties as the outline of cold resistance standards for this winter.

"It has been three consecutive years of cold winter..." Fei Qian nodded with a serious expression, "Next year may still be... Even if there are mountains in Hanzhong, it may not be inevitable, and then Sichuan and Shu, and even the world of Han... Everything is forewarned, it will be established, and if it is not forewarned, it will be abandoned... The matter of preparing for the winter and protecting against the cold is arranged in this way... I called everyone to come, and there is another matter, that is, the regulations for the addition of banks in various places, which need to be finalized now...』

When did the earliest bank in China appear?

Fei Qian remembers it was in the Song Dynasty?Perhaps earlier?But what is certain is that there were no banks in the Han Dynasty, and even the foundation of banks and silver shops were few.

Banks are undoubtedly an important target for the maturity of a feudal dynasty's business.

Feudal dynasties, including the Han Dynasty, collected taxes, one was money, and the other was in kind.There is nothing to say about the real thing. After all, as long as it is in the sky and groundwater, everything that can be produced is taxed.Even if it is a firewood cutter, when he jumps into the city gate with firewood, he will be stopped by the petty official, and he will take a few thick firewood...

As for the doorway of money, among the original big men, few people studied it during the three to four hundred years, so that there will be situations where coinage rights are received and given, and given and then received, and even What is the strange behavior of not using gold and silver, but using check Bailu coins and so on.

For Fei Qian, many of Dahan's commercial activities are undoubtedly primitive, and the social structure of Dahan as a whole is still very unstable, and all the laws and regulations in later generations of China are just prototypes one by one.Perhaps at this time, as long as the seeds are planted and after a certain period of time, someone will definitely regulate these things.

Fei Qian has never doubted the wisdom of the Chinese people, but occasionally worries that these guys have used their wisdom in some other direction.

Starting from this year, the whole big man may start to prepare for a hard life.

But it cannot be said that because of the suffering now, it is because we do not raise our eyes to prepare for the future.

The present needs to be done well, and the future also needs to be considered.

Everything in the world is interlocking and influencing each other.The weather is also cold. The north will first directly feel the various changes brought about by the weather, and then Hanzhong, Sichuan and Shu, which are protected by mountains such as the Qinling Mountains, and even Jiangdong and Lingnan in the south, will gradually feel the power of the Siberian cold current... …

As the weather got worse, many ferns in Guanzhong began to wither. These ferns, which had been thriving since the last Little Ice Age, had finally come to the end of their journey.

Of course, there are not no cold-resistant ferns, but there are ferns in other places in Dahanguan. Many of them are ferns that like humidity and heat, and belong to temperate or tropical ferns. In these years when the temperature drops suddenly, it is undoubtedly the Doom for these plants.

The death of ferns, the reduction of vegetation, coupled with the cold weather, the increase of misbehaviors of cutting down trees for heating, the ecological damage to the densely populated areas of human beings will become more serious, and then the loss of water and soil will cause the next year's crops to be cultivated. Sometimes, it is too waterlogged or too dry, which leads to the problem of the next year's harvest, and then there are famines, refugees, plagues, and the collapse of the entire family and country order.

Some things cannot be stopped or changed by Fei Qian, such as the death of ferns, but other things must be done first, as long as one of the whole links is knocked out, then it will not snowball , at least it will alleviate a lot.

Then Qianzhuang is one of them.

As the name suggests, the money bank has loans and loans.If there is no official money bank, then who would these ordinary farmers who were affected by the disaster due to this or that situation go to borrow money?
Naturally, they are almost all big households everywhere.Only these big households are the closest and most convenient to the common people, and then these big households will try their best to let these common people do installments... Uh, it’s a free loan, ah, it’s a loan, anyway, that’s probably what it means, and on the one hand, they can get more On the other hand, on the surface, it seems that the repayment is less every time after the distribution is over, but in fact the risk period that the common people have to bear is extended. In my own pocket.

So who would be the least happy to promote Qianzhuang?
Not the common people, but those big gentry families, rich and right squires.Therefore, although Feiqian tried to be a bank in the early days, it has never formed a network and scale, and now, it is finally time to finally close the network.

Therefore, Fei Qian deliberately dealt with these big households before promoting the bank, and asked Zhang Shi to continue to investigate in Hedong, completely attracting the attention of these big households, and then waited for these people to react from their panic, then it's too late...

"Jing Zhaoyin, Zuo Fengyi, Gongda are in charge, You Fufeng, and the land of Longyou are still Wenhe Feixin. In Shangjun and Hedong, there are friends who are in charge. Shangdang and Taiyuan are Liang Dao , In the land of Sichuan and Shu, there is Yuanzhi, and now there is only Hanzhong, which has not yet been determined..." Fei Qian turned his head, looked at Pang Tong and Zhuge, "Which one of you will go? 』

Zhuge squinted at Pang Tong's double chin, and then turned to Fei Qian, "My lord, let me go to Hanzhong...if Shiyuan goes...hehe..."

Pang Tong was furious, but after touching his chin himself, he became depressed.Fat people have no human rights, no matter where they are.

Fei Qian also smiled, and didn't say anything, just nodded, then sat down, and motioned Huang Xu to distribute a few scrolls to everyone present.

"The law of the bank is unparalleled, and it is convenient for this book..." Fei Qian pointed to the scroll.

What is the bank's biggest profitable killer move?
Of course it is a "disadvantaged group"...

Wrong, it should be "no responsibility for leaving the cabinet"...

Isn't it?So should it be "temporary workers have been fired", or "I don't know about this matter, and I'm still going through the process"?
"In addition to the green crops and agricultural tools, the method of commercial borrowing..." Fei Qian said slowly, "First, in various places of business, you can set up "cabinets" for storage..."

A "cabinet" is somewhat like a storage counter, but it is also somewhat different.

With the continuous construction of transportation and expansion of commercial routes between various regions in Fiji, there are close contacts between major cities and between Han Chinese and Hu merchants.The prosperity of commerce and the continuous increase in trade volume have led to an increase in the long-distance transportation of money and goods, and the ensuing problem is the inconvenience of currency transportation.

In the market, there is a large flow of people, and a large number of coins are very heavy, which is neither convenient nor safe to carry.Therefore, the so-called "cabinet" needs to emerge as the times require...

In history, the appearance of "cabinet workshop" seems to be in the Tang Dynasty, and now Feiqian is using it first, which is not an outrageous progress.

The business of the counter shop is to keep gold and silver and other property on behalf of customers. After the customer completes the transaction, he can withdraw it by himself or with tokens. Of course, this process requires a certain storage fee from the customer, a small amount of money ...

This is naturally not difficult to understand, so everyone nodded and did not have too many questions.

Fei Qian paused for a moment, and then said: "The second is the "flying ticket", with the "cabinet" as the root, and the pigeon as the fly, people and pigeons travel together, approved stamps, deposit and cash in different places..."

Using pigeons to transmit information is already a relatively mature technology, and this technology, Fei Qian didn't think about hiding it, because it couldn't be hidden at all. After all, pigeons, the elf, were not raised by Fei Qian after he came to Guanzhong. , as early as the Yin and Shang Dynasties, there were records of pigeons, and in the Han Dynasty, especially the Eastern Han Dynasty, many gentry families also had the traditional art of raising pigeons...

Keep it for fun.

As for the use of information in history, it is recorded that it was in the period of the Sixteen Kingdoms.And at that time, because many soldiers didn't know that pigeons were used to convey information, when they saw pigeons, they thought it was a small-faced chicken with tender meat and fragrant bones...

And if carrier pigeons are only used here in Feiqian, but not in other places, it will be inconvenient at certain times. After all, the quantity is small, so it is too obvious.If the carrier pigeons fly around, they can cover up those carrier pigeons used by the Fiqian army.

"Flying ticket" also had a prototype in Feiqian before, but it was based on Feiqian's credit at that time, but now it is based on the "counterhouses" of merchants in various places, and then deposits and withdraws in different places.

If this "flying ticket" can be passed, it only needs to be strictly checked and approved, then the speed of commodity circulation in the entire business will be accelerated, and it may even penetrate to a certain extent into other areas that Fiqian does not rule. , because at that time, the money in the "cabinets" in other local banks will not belong to Feiqian, even if it is seized, Feiqian will not have any loss...

"Third, "acceptance." Fei Qian said slowly, "Nowadays there are so many private money in various places, the amount is huge, and the weight and color of copper coins are different. If you don't use them all, it will be a waste... Therefore, it should be accepted and exchanged for the benefit of the people..."

Acceptance of course does not mean that the original five baht money will be used as five baht, but will be exchanged according to the actual weight and fineness. As I said, the copper coins that were originally discarded in the hands of the common people can be reused, so that they will not be discarded in vain.

This is of course superficial.

And deep...

"What do you guys think? ’ Fei Qian asked.

Pang Tong has known about this matter for a long time, so he has no opinion.

Generally speaking, Jia Xu seldom directly said what was good or bad, so she shook her head slightly, expressing that there was nothing wrong with her.

Zhuge Liang said: "This strategy is very good.The only thing to worry about is that a good strategy starts out, but the behavior gradually becomes worse. How to prevent it?Living among gold and silver for a long time, it is inevitable to avoid its temptation, if you have a greedy heart for money...』

Fei Qian said seriously: "People's hearts are changeable, and this matter is inevitable, so it should be restrained, punish evil and promote good, so that it can last for a long time!"Severe punishments and strict laws are required. Wherever the evil is committed, the law should follow and change according to the situation!Especially in the handover of the predecessors, if there are any mistakes later, the predecessors will be convicted and severely punished! 』

Any excuse to shirk to the ex is absurd.If something happened, I pushed it on my ex, and I seemed to be innocent and deceived, and then my ex had another ex, and then nothing happened.It's like going through the process, there is always an endless process, it's just a clumsy excuse to fool the people.If there is a problem with the predecessor, the posterity can't find it out, the number of warehouses is unknown, and the number of stocks is unknown, so what seal will be received and what seat will be seated?

After Fei Qian finished speaking, everyone nodded slightly.

This is the case when it comes to matters involving money, especially in the future when Fei Qian intends to expand the bank again, and then find an opportunity to incorporate taxation items into the bank, so it is even more necessary for the personnel in the bank to be cautious , Strictly investigate corruption...

Xun You looked left and right, and then said: "Nowadays in Chang'an, the amount of loans for young crops is small, and the money spent is not a concern. But if... if it is as the lord said, Ling Dong is coming, there must be more borrowers, and Where did this money... come from? 』

For the Han people, borrowing is a symbol of the decline of a family business.

Because before borrowing money, it was almost like drinking poison to quench thirst, and few people were able to pay interest, and then those who borrowed usury made a fortune, and the people who really got into trouble were ruined, so if they did not borrow usury, they would die. At this point, they will not take this step.

This is the most stubborn and honest group in China.This ethnic group is simple and cunning, they are never interested in invisible interests, they only care about visible and tangible interests.All those who overdraw tomorrow to support their current life are, without exception, prodigal sons in their eyes!
Therefore, in Chang'an before, not many farmers would borrow usury. Even though Fei Qian set a maximum interest rate of 5.00% in the year of disaster, there were still not many people who dared to borrow money.But it will be different next time. The increasingly cold weather will catch many farmers off guard...

In order to survive, they must borrow money, and the number of farmers in this way will be several times, or even ten times the original number...

Fei Qian smiled slightly, and said: "It's okay, there must be a big family who is greedy for the farmer's land, pretending not to know the previous "Loan Law"..."

The previous law clearly stated that in the year of disaster, the interest should not exceed [-]%, and then it was used to show the benevolence of the common people and the morality of the big gentry, and then Feiqian was almost useless, so the big gentry, it must be There will be a group of people who will play tricks and think that Fei Qian is just joking, or that those laws and regulations must be obeyed by others and have nothing to do with them. Even if they do not follow them, no one will see them. Otherwise, Zhang San did the same, and Li Si did the same, so it doesn't matter if you follow suit.

Those who don't know how to focus on the future and plan for a rainy day will suffer losses, big or small.

As soon as Fei Qian said this, Pang Tong and Jia Xu looked at each other and smiled, while Zhuge Liang looked thoughtful, as if thinking of something, he smiled slightly.

And Xun You also seemed to have thought of something, and couldn't help but change his face...

In this world, maybe some other things may change more or less because of this and that, but greedy people are indispensable from the beginning to the end...

(End of this chapter)