Quickly wear salted fish, she won by lying down

It's normal for Linlang to choose those imperial merchants who were the first to use the treasure. When she needed support the most, these people took risks to support her. So when she gets something good, naturally she should think of them first, right?
Although cement will definitely make money in the future, that is a matter of the future. At present, we need to strengthen the northern city wall, build bastions and roads, and continue to build infrastructure in the Central Plains. This all requires money, and currently banks and cement bring The profits were not enough, so Linlang began to issue government bonds.

National debt is not difficult to understand. It is equivalent to the court borrowing a sum of money from the people, and then the principal and interest can be returned when it matures. Don’t worry if it is not due. National debt can be sold to others or even banks at a certain price, which is more regular than banks. Deposits are more flexible. After all, if a bank time deposit is withdrawn in advance, the interest can only be calculated on a current basis. But for treasury bonds, if you trade with others in the treasury bond market or go to a bank to redeem it in advance, you will still lose a little interest. , but the interest earned is definitely more than the current deposit.

Moreover, the interest rate on government bonds is higher than that on time deposits. As soon as everyone heard that the interest rate was higher and they could trade flexibly, many people were willing to buy it.

Of course, some people are worried that the imperial court will not repay their money, but most people feel that the imperial court will not be so dishonest, so they still dare to buy.

Because of the past few years, ordinary people now like Dayan Baoqiao and like to save money in banks.

Ever since someone tentatively deposited money in a bank for three months - the shortest period a bank can deposit - and received interest upon maturity, everyone fell in love with the bank and started saving money in the bank.

And everyone also learned some financial knowledge from the bank, such as the thirty-six single deposit method, depositing one amount a month for a maximum of three years. After three years, a sum of money will mature every month. When everyone When you need money, you don't need to withdraw it regularly, because a sum of money will be due every month.

Of course, if someone likes higher interest rates and wants to save for five years, then the sixty-single deposit method is the same.

Through these methods, everyone can save money on a regular basis, just like a current account, and have money that can be withdrawn flexibly every month, and can also enjoy high interest rates.

Many people who use the thirty-six single deposit method have now begun to generate money from money and have entered a virtuous cycle. They especially like banks.

Although the interest rate of private loans is much higher than that of bank deposits, who doesn’t worry about not being able to get it back when it is lent to ordinary people? Unlike deposits in banks, there will definitely be interest on maturity, so even if the interest rate of private loans is Much higher, only a small number of people take their money to private loans, and most people still keep their money in banks.

Basically, wealthy families prefer private loans because they have a strong background and are not afraid of not being able to get their money back, and the interest rates on private loans are much higher than those on court deposits; ordinary people prefer to deposit money in banks because it is more stable.

Because national debt is better than bank bonds, Linlang quickly raised enough money to support her in building major northern infrastructure.

In fact, she can improve the level of firearms and reduce dimensionality to strike, but this kind of thing has not developed so much in the world for the time being. Linlang does not plan to take it out for the time being, so as not to speed up the intensity of the war in this world. That is not what she wants to see. Yes, she will probably take it out when she is about to leave this world, so that the people of Dayan will not fall behind too far behind in thermal weapons and be bullied by others like they did in some time and space.

Of course, she will definitely promote education in the future. When education improves, it is estimated that everyone will be able to develop thermal weapons by themselves, without her having to resort to any tricks.

Because Linlang raised money through national debts, not from the national treasury, what she did with the money in the north was all her business. The court ministers could not see whether it threatened their interests. No more noise.

However, there were newly promoted people who were still serving the country and the people. They could not help but ask the emperor how he would repay the money in the future after borrowing so much money.

Linlang reassured him, saying that if the bank and cement made money in the future, they would be able to pay it back, so there was no need to be afraid. The minister thought about the recent popularity of cement in Beijing and thought that the emperor might actually be able to make that money, so he felt relieved.

There are few people in the north, so building bastions, strengthening city walls, and building roads will take until the Year of the Monkey to build roads. After all, many local people still have to plant crops, and not many can spare time for infrastructure construction. .

So Linlang couldn't help but mobilize a lot of people from the rear to repair it.

If you go to the north to repair, the wages are higher than in the local area. However, you have to be far away from your hometown. It is stipulated that you have to work for at least several months before going back. Therefore, the young people who are not yet married are willing to go. As for those who are married, I don’t want to go.

Linlang is naturally willing to do this. After all, the rear area has to continue to carry out infrastructure construction, and it still needs people. It is naturally good to keep some people to continue to carry out infrastructure construction in their hometown.

At this time, the first navy sent out had returned safely and brought back a lot of supplies.

However, there are currently no crops such as corn, sweet potatoes, and potatoes that Linlang wants, but he has found pepper seeds, which is not bad.

In addition, several barren continents were discovered, with only a few sporadic savages on them. There were not many people who could occupy them.

The reason why they want to occupy it is because according to what they found, there are already red barbarians milling around, probably wanting to occupy it.

Instead of letting Hongyi take over, it was natural for Dayan to take over. Anyway, these places are close to Dayan and so far away from Hongyi. There is no reason why the land at the doorstep should be taken over by people thousands of miles away.

Although this trip, trade, crops, and territory, only three items were completed temporarily. The crops Linlang wanted were not brought, and the territory was not registered for the time being. However, the progress of the mission is still very gratifying. I should wait until the next time I go. There is new progress.

All of this is pleasing, but there is one thing that makes the important ministers and the families behind them a little bit murmuring, that is, Linlang asked the navy to bring back a lot of goods to sell. Isn't this trying to steal their business? ? This naturally made them murmur.

You know, it’s not easy to go to sea now. It takes a lot of time to go out and come back. And even a big family cannot have too many fleets. After all, they can’t support too many. In addition, there are wind and waves at sea, etc. Unexpectedly, the goods that come back each time are not many.

When there are not many, if something is rare, it can be sold at a good price.

But now, there are more goods from Linlang Navy. If there is no overlap, that's fine. But there are only so many imported goods that can be marketed in the country. They are just spices and gems, so there must be overlap.

What will happen if there are more things? It's very simple. The price will definitely fall. If the price falls, it will be equivalent to making them make less money. How can this be allowed? So stakeholders, Linlang sends the navy out. Naturally, they were not happy with the trade. They immediately thought that they could not continue like this, otherwise the current profits would not be as good as before, and they would suffer huge losses. (End of chapter)