Back to the end of the Ming Dynasty to engage in infrastructure construction

Chapter 206
"Is it interest money? People deposit their money in the bank, and the bank will give them interest? How can there be such a reason in the world?"

Ma Guozhu was taken aback.

Because according to the usual practice, people deposit their money in the bank to make interest for the bank.

Why is it back now?

"That's the reason. Banks don't create money. Where does the money come from? Only when it benefits people, people are willing to deposit money in the bank.

Then, the bank can lend the money out at a higher interest rate.Once this is in and out, the bank is profitable.

For ordinary people, putting money in the bank is not only safe, but also profitable, which is also beneficial.It's better than those rich people who used to cast silver into silver ingots, silver melons, and put them in the cellar, right?
For merchants, if someone wants to do something practical and has no money to invest, they can also go to the bank to get a loan. Our interest rate is lower, and there is no compound interest of rolling interest. They have money to invest and earn money. Monthly repay our loan.

This is good for everyone!Why don't we do things that benefit several parties?

There are also some workers and those who work in the Marshal's Mansion, they can also get loans from our bank.For example, you, do you want to buy a bigger house? "

Zhao Cheng asked back.

Ma Zhuguo nodded immediately.

He used to be just a small clerk in the Wenguan, with limited income, and he was a Han Chinese, so he only lived in a remote courtyard.

Now, he is the financial envoy of the Finance Department of the Marshal's Mansion.

Of course he wants a spacious mansion, even if he doesn't mention his face, it is also related to the dignity of the Marshal's Mansion!

More importantly, the Jurchen dignitaries and some Han officials fled when the city was destroyed, and the mansion was confiscated. The Marshal's Mansion intends to sell it to the outside world. The price is quite favorable, which is much more cost-effective than building it yourself, and the location is very good.

This is definitely a once-in-a-lifetime opportunity!

It's a pity that Ma Guozhu's family has no money left.

The salary of the Marshal's Mansion is very high. As a financial envoy, his monthly salary is as high as 3000 yuan, and there will be a bonus at the end of the year.

The commander-in-chief said that he wanted a high salary to support his integrity.

But even with such a high salary, it is not easy to buy a large mansion.

Because of his poor family background, the family did not save any money before, but now it is difficult to build high-rise buildings on flat ground and start from scratch.

"Then you can also come to the bank for a loan. Because you have a stable job, and you are in a high position, with good benefits and high salary, it is easy to get a loan.

You only need to pay a down payment, which is about [-]% of the price of the house, and you can own a house. You only need to pay back the money owed to the bank slowly. " Zhao Cheng said.

"As long as I pay about [-]% of the price of that house, I can own that house? Just because I work in the Marshal's Mansion? Then this...isn't it a bribe?"

Ma Zhuguo blinked his eyes.

Zhao Cheng: "..."

Why do you think so?

However, thinking about people in this era, they have never heard of such a thing as a down payment loan to buy a house, and it is normal that they cannot understand it.

In fact, even in the big eastern country in the previous life, it was only in the 90s that things like buying a house with a down payment and buying a house with a loan appeared.

"Of course not a bribe."

Zhao Cheng patiently explained.

Buying houses with loans, consumption with loans, and doing business with loans... This trend must be promoted.

Only in this way can the economy be activated quickly.

Ma Zhuguo, the financial envoy, must understand this new thing.

"Bribes are giving you benefits. Loans, this is an equal transaction! The bank does not lend you a loan for no reason. On the one hand, it is based on your repayment ability, because you have a stable job, stable income, and can pay you according to the loan. Monthly repayment, so I loaned it to you.

On the other hand, this is collateral!This house is the collateral.If one day you fail to repay the loan on time, the house will be taken away by the bank for auction, and the money you get will be used to repay the bank loan first. " Zhao Cheng said.

Ma Zhuguo shivered.

He imagined the scene Zhao Cheng mentioned, and he really shuddered.

Work hard!
Ma Zhuguo secretly swears in his heart.

If he bought a house with a loan, he must work hard, and there must be no mistakes.

Otherwise, even if the loan is not repaid, it is really beyond redemption.

"Old Ma, you are the financial envoy of our Marshal's Mansion, so you can take the lead! I will immediately set up a real estate company... oh, that is, a business name. It is called Expeditionary Real Estate Company, which specializes in selling real estate acquired by conscripts.

This expedition real estate company belongs to the expeditionary army, and the profits are used to subsidize the families of the soldiers and the casualties.

Yuanzheng Real Estate Company will cooperate with Zhaoji Bank to carry out business.Come and be the first client of Expedition Real Estate Company! "

Zhao Cheng said.

Ma Zhuguo listened with awe in his heart.

In this battle, the conquering army took down the entire Shengjing.In the future, we will fight north and south, and I don't know how many real estates we can lay down.

If Zhao Cheng is willing, this is all his.

But this real estate company directly belongs to the conscript army.

What kind of courage is this?
You know, even the emperor, even though the whole country belongs to him, the money is also divided into the palace treasury and the treasury of the household department.

The emperor would also try his best to put money into the inner treasury.

"Yes……"

Just as Ma Zhuguo was about to agree, his face suddenly turned red.

"Marshal, I'm afraid I have to wait a little longer. Because the [-]% down payment... I can't get it out."

"Haha! It's okay. I'll lend it to you."

Zhao Cheng laughed, waved his hand, and asked the salesman to come over and take out a map.

Ma Zhuguo's heart suddenly warmed up.

What else did he say?
He grew up in Shengjing and is very familiar with this place. He has already had a house he likes, chose one, and went through the loan procedures.

Then, the house belonged to him.

He actually owns a big house with three entrances.

It's really like a dream, light and floating.

"We want to implement a loose fiscal policy. What is a loose fiscal policy? It is this money that should be released and given to the people so that they can invest in production.

Running water is more vital.We need to encourage the common people to set up more workshops. If they are short of money, we must let the banks play a role.

In addition, we need to invest in the construction of infrastructure.What is infrastructure?Building roads, building walls, building public toilets, repairing water conservancy, developing cultivated land... these are all infrastructure constructions. "

Zhao Cheng talked eloquently, and chatted with Ma Guozhu about his ideals of governance.

Ma Guozhu listened, and felt that every word the Marshal said made him feel refreshed.

He had never heard of these words, and he didn't even dare to think about them before.

But thinking about it now, it seems to make sense.

Ma Guozhu was originally a young man with ideas and good at learning. He studied with Dashuai Zhao, which made him fascinated.

"Marshal, you have said so much, but it seems that the only thing you didn't mention is porridge relief? After the war, there must be refugees.

There are already thousands of refugees in Shengjing.If the entire Liaodong is captured, it is conceivable that there will be at least tens of thousands of refugees.

Some funds must be allocated for food and disaster relief.Otherwise, those refugees would have nothing to eat, and they might cause trouble! "

Ma Zhuguo took the opportunity to suggest.

The commander-in-chief talked a lot, but he didn't mention disaster relief.

This made him feel a little nervous.

Could it be that the commander-in-chief wants to follow the old example of Jiannu's pacification of Liaodong and want to kill those who have no food?
Back then, Jiannu Nurhachi played a very important role in killing the foodless.

It's very inhuman, but it played an extremely important role in the Jianzhou Jurchen's rule in Liaodong.

Dashuai is not such a cruel person...

But it's not certain, when the commander-in-chief was attacking the city, he had no worries and directly covered it with artillery fire.

There are quite a few people who were killed by artillery fire in the city!

There is no tolerance for kindness when leading troops to fight.

"Food relief?"

Zhao Cheng smiled and shook his head again and again.

"No, no, no! We don't need food relief. If a person is hungry, if you give him a fish, he will eat at most one meal, and he will still be hungry after the meal. The best way is to give him a set of fishing gear and let him Go fishing yourself. It’s called teaching someone to fish, it’s better to teach him to fish.”

As Zhao Cheng spoke, he stood up and picked up a thermos bottle next to him to add water to the teapot.

"Marshal, let me come..."

Ma Zhuguo was terrified.

"Sit down, why are you being polite? You know my temper. I don't pay so much attention here. If I pay more attention, you are tired, and I am also tired."

Zhao Cheng waved his hand and asked Ma Zhuguo to back away. After adding water, he poured himself a glass and poured another glass for Ma Zhuguo.

Ma Zhuguo stood there, a little at a loss.

This handsome man is really too casual.

There is not even a servant in sight in this house.

Serving tea and pouring water, as long as you are a rich man, you will not do it yourself.

But the commander-in-chief doesn't seem to care about these things.

Then, Ma Zhuguo swept across the thermos bottle in Zhao Cheng's hand...

This thermos bottle is really amazing. The hot water in it will not be cold all day and all night.

The Marshal sent two to each of the staff of the Marshal's Mansion.

You can drink hot water at any time, which is really comfortable!
In the past, even if it was a big family, if they wanted to drink hot water, they had to boil it temporarily.

"We don't involve food and disaster relief. Everyone has to support themselves. Unless they are disabled, or old and unable to move, or orphans, who lose the ability to work, there is no way.

As long as they are able to work, they must do things.Even aunts and uncles, old and frail, can still wear red cuffs to maintain law and order on the street, or sweep the street and so on!

Is it not good to have jobs and wages?Not only can you feed yourself, but you can also support your family.How can you reach out and wait for relief, stretch out your hands and wait for disaster relief food? "

Zhao Cheng talked eloquently.

Ma Zhuguo became more and more excited as he listened.

"The commander-in-chief is really an enlightened figure! Building walls and roads does not require labor, but wages... Then, no matter how big the project is, it is not a tyranny, but a good policy that benefits the people."

"Give money! Of course you have to give money! Moreover, the wages paid should not be too small, and must be reasonable. If one person works, it can feed a family of three. Both husband and wife work and have four or five children. Even a child can have enough food and clothing. This is the most basic.”

Zhao Cheng made a point of emphasizing it.

"However, Marshal, in this way, can the money and food in our storeroom last?" Ma Zhuguo asked cautiously.

"No problem. You don't have to worry about this. After the infrastructure is built and the economy develops, the tax revenue will increase. This involves our tax policy. Within the jurisdiction of our Marshal's Mansion, everyone To pay taxes, the richer you are, the more you have to pay. Anyone who dares to evade taxes is the enemy of our Marshal's Mansion, and the enemy of our conscript army!"

Zhao Cheng's voice was stern, and his expression was unprecedentedly serious.

Whether a regime can develop in a healthy way, the tax policy is absolutely the top priority and the foundation.

When a government goes bankrupt, it is not far from downfall.

"Everyone has to pay taxes, and the richer they are, the more they have to pay?"

Ma Zhuguo felt his heart beating faster.

This is something unprecedented!

"Master, scholars, do you have to pay taxes?"

In fact, Ma Zhuguo still has another question, that is, do the officials of the Marshal's Mansion also have to pay taxes?Do conscript soldiers also have to pay taxes?
However, he didn't dare to ask more questions.

"Of course! Why don't scholars pay taxes? The gentry pay taxes together, and their tax rate is higher. The gentry class has already taken advantage of so much wealth. Let the poor and poor people pay taxes? There is no such reason in the world!"

Zhao Cheng's words were really shocking to Ma Zhuguo.

The gentry pay taxes together and pay grain together?
"Commander, since ancient times, scholars and bureaucrats have shared the world with the king. Let them pay taxes together, pay food together, or even pay more taxes? Commander, if this happens, they may cause trouble!"

Scholars make trouble, that is a big deal.

"Who dares to make trouble? I want to see, is it their heads or my guns? Mahler Gobi's! Everyone only wants to take advantage of the country and doesn't want to pay taxes... How can there be such a good thing in the world ?

Look at this wrecked ship of Ming Dynasty!There are loopholes everywhere, Chongzhen doesn't even have the money to buy planks to repair the cabin, the gentry has money in their hands, they would rather watch the ship sink and drown everyone than take it out to save this big ship!

Even they are still lying on this big ship, continue to eat this big ship, extremely greedy.Such a thing, what do you want them for?I wish I could kill them all! "

Zhao Cheng's voice was cold.

The always kind Marshal couldn't help being furious when he mentioned this topic.

Ma Zhuguo was also taken aback.

He immediately understood the attitude of the handsome.

This is the bottom line of the handsome!

The commander-in-chief really wanted to make the gentry pay taxes and food together... No!Strictly speaking, it is the gentry who have to pay more food and pay more taxes.

This is really an enemy of scholars all over the world.

but……

If this can be achieved, will the Marshal's Mansion still be short of money and food in the future?

Not anymore!
Doesn't that mean that this is the foundation of Bandai's solid foundation?

Just thinking about it makes one's scalp tingle, and one is extremely excited.

(End of this chapter)