As a lord, I was forced to farm

Chapter 758 Baofeng Bank
However, building the Jiazi Medical Clinic is not an easy task. Funding is secondary. The first thing is where to find professional and reliable midwives and doctors. The second is how to make the mothers and their families trust the Jiazi Medical Clinic and let them send the mothers in.

The last and most important point is that although Jiang Ran did not intend to make Jiazi Clinic profitable for the community, if a clinic wants to last long, it is also important to be able to earn funds to sustain the clinic in the long run - so the problem comes back to the most fundamental issue, how to make people make money and how to make people have money to spend.

Jiang Ran suddenly asked about Baofeng Money House.

"Baofeng Money House has been open for more than two years. It has always had a good reputation among the people. Many people deposit money in the money house, but it seems that few people borrow money from it."

Wu Yun: "Yes, in everyone's inherent concept, owing money is a very shameful thing, and some criminals lend money at high interest rates, so people are terrified of borrowing money."

"How can gold and silver drive consumption and industry if they are not circulated?"

Jiang Ran thought for a moment, "What if Baofeng Bank provides interest-free loans to the people and allows them to start their own businesses?"

"Your Highness, I'm afraid that once you lend out the money, you won't be able to get it back." Lin Sha frowned and stepped forward to remind him.

As the saying goes, the one who owes money is the boss, otherwise there would not be a profession that specializes in collecting debts for creditors.

Wu Yun agreed with Lin Sha very much. If the loan could not be recovered, Dasu would suffer another loss. Money was needed everywhere in Dasu now, and it would not have the money to lend to the people at no interest. It would be a bad thing.

"Please think twice, Your Majesty. Although Dasu is not in deficit at the moment, there is not much surplus money in Fangcang either."

"You two adults are still too cautious." Qiu Baishui shook the robe in front of his legs and glanced at the two people who held opposing opinions. "My Ministry of Justice is not a pushover. If you are afraid that someone will not repay the loan, then screen them in advance and give priority to those who have the ability to repay, such as those with a fixed income, houses, and lands. If they do not repay the money when due, then their houses will be taken back and the old defaulters will be put in jail for a few years."

"If Dasu doesn't have that much capital, then just lend less money. The bank should still have tens of thousands of gold yuan and tens of thousands of spirit crystals. Besides, the people are resistant to borrowing money. I think even if the bank has money to lend to the people, I'm afraid few people will be willing to come to it."

Jiang Ran wanted to lend money to the people to do business, and with the support of officials headed by Qiu Baishui, this policy was still decentralized.

……

Chen Suishan was the owner of Baofeng Money House appointed by the imperial court. He had been living smoothly for the past two years until the people above decentralized the lending quota, requiring him to lend more than 20,000 gold yuan/spiritual crystals to the people every month.

At first he thought that this task was not difficult to accomplish and since the loan was interest-free, people should be rushing to ask for the money.

However, half a month later, there were people who asked about the situation, but only a few people were really determined to borrow money. Chen Suishan could not sit still, and paced back and forth anxiously, clapping his hands, "It's already halfway through the month, why hasn't anyone come to borrow money?"

Seeing the owner so anxious, a clerk of the bank said, "Master, I guess many people don't know about this policy yet. For example, the villagers rarely come to the county town."

Chen Suishan thought about it and felt that it was true. "No, it's not easy for the higher-ups to issue a task. If I fail to complete it, Lord Wu will definitely be dissatisfied with me. Then I'm afraid my position as the owner of the manor will be in jeopardy!"

"...We can't just sit there and wait for death. Xiao Liu and Xiao Zhang, go pack your bags. We'll go to the countryside to promote tomorrow!"

...Qingshan Village, Suling.

The remaining rays of the setting sun shine through the clouds, painting the earth a warm color. The red wheat swayed in the wind. A few birds and animals peeked out, alert to natural enemies and wheat guards. As soon as they got a chance, they would dive into the gift of nature.

Li Fangliu drove away the hateful birds and beasts that were stealing food, sat on the edge of the field in a daze, and sighed from time to time.

“How can I make more money?”

She is a farmer who was born and raised in Qingshan Village. Some time ago, good news came from her family that her six-year-old daughter had been detected to have a good talent for cultivation. The family was overjoyed, but at the same time, worry also followed.

It is too expensive to train a cultivator, and the Li family is just an ordinary rural family with many people. There are elderly people, four or five brothers and sisters in the middle, and each brother has his own children.

Her Li family's ancestral tomb was also filled with smoke. In addition to her beloved daughter, her second brother's son was also found to have a talent for cultivation.

This made it difficult. My fourth sister wanted to study and take the civil service examination to become an official. The cost of writing brushes, inkstones, and consulting a teacher was a huge expense. The savings of the two elders were so small that there was no extra money to support their granddaughters and grandsons to become monks.

Then you have to work hard on your own.

Nowadays, most people in nearby villages such as Qingshan Village, Aojia Village, and Fengyu Village make a living by growing red crystal wheat, planting mulberry trees, and raising silkworms.

After the drought, grain prices have dropped, but they are still more expensive than a year ago. The price of red crystal wheat in the grain shops in the town and the county is now between 80 and 98 gold yuan per catty, but the purchase price in the village is not that high, only gold yuan per catty, and the county only purchases red crystal wheat with full grains. The price of shriveled red crystal wheat is at most three gold yuan per catty. The price difference is huge, so it is better to keep it for yourself.

Red crystal wheat is not easier to grow than ordinary wheat, because even if brown weeds eat red knot weeds, it is impossible for them to eat all the weeds, and some wheat will inevitably be affected. Nowadays, the average yield of red crystal wheat per acre is only about 100 kilograms.

Red crystal wheat is a spiritual plant, so it is subject to tax. One acre of land must produce at least 50 kilograms of good quality red crystal wheat per year.

Li Fangliu divided the family, and the four of them were given nine mu of land, of which five mu was planted with red crystal wheat, one mu of paddy field was planted with white crystal rice, and two mulberry trees were planted next to the paddy field for silkworms. The other three mu of land was a wasteland, where some vegetables were planted.

Red crystal wheat is harvested three times a year. Li Fangliu can earn about three hundred spirit crystals a year from these five acres of red crystal wheat fields.

Three hundred spirit crystals would be enough for an ordinary person to live for many years in the past, but three hundred spirit crystals are far from enough for a cultivator.

Li Fangliu muttered to herself, "The Liu family next door got two silver crystal silkworm babies from the government's silkworm room. When the silkworm babies grow up and can spin silk, that's when they can make money. It's a pity that one silkworm baby costs 500 spirit crystals, not to mention that the mulberry leaves that the silkworms eat are at least the ice mulberry leaves from Biquan Bay, which are also expensive."

The ice mulberry tree, the remnant of spiritual essence before the mulberry spirit insect evolved into the Yunze mother mulberry spirit insect, transformed some mulberry trees into ice mulberry trees.

Ice mulberry is a variant mulberry variety.

Of course Li Fangliu also wanted to raise silver crystal phantom silkworms, but she couldn't come up with so many spirit crystals at once!