Qin Xiucai was not the first to come to Chongqing to complain to Deng Ming. Not long ago, Yu Youming and other Zhejiang generals had sent people to return with the empty ship, and sued Liu Jinge, and also said a lot of bad things about Xiong Lan. At that time, Deng Ming was busy looking for fighter planes and was preparing to pursue the retreating Li Guoying, so he had no time to appease the Zhejiang faction and asked them why they did not appeal to the Excuseum.

Of course, this answer cannot satisfy the Zhejiang faction. The envoys pointed out with grievance that Yuan Xiang and Liu Jinge were friends who committed suicide. I heard that Liu Jinge was injured in Dongchuan Prefecture, and it was Yuan Xiang who took care of him all the way and could be called the former's life-saving benefactor.

"This is why I asked Liu Jinge to do things and asked Yuan Xiang to be responsible for the punishment! If it goes on, no matter whether Yuan Xiang is angry or resentful, Liu Jinge will pretend not to be able to see it." Deng Ming said in his heart, but this sentence must not be revealed from his mouth. He can only comfort these envoys with kind words, saying that Yuan Xiang, a young man in his early twenties, is noble in character and upholding justice, and ask them to try to communicate with the Taoist yamen first. If Deng Ming has not solved the problem when he returns to Chengdu, he will of course ask in person.

After seeing Qin Xiucai, Deng Ming felt that Chengdu's problems were more serious than he thought. Chengdu was in trouble and demand for various tools and equipment was strong. It was only because the people were extremely poor that industry and commerce continued to be sluggish. Deng Ming designed an IOU to replace currency, and also had the intention to stimulate the development of industry and commerce. According to Deng Ming's understanding, credit currency and banks are using tomorrow's prosperity as a guarantee to overcome today's difficulties and create tomorrow's prosperity.

After learning that Liu Jinge had collected a lot of more food, Deng Ming was initially angry and soon discovered that Liu Jinge had created a good opportunity to promote paper money legitimately. If it weren't for Liu Jinge's unauthorized taxation, there would be no good way to convince the people to exchange grain for IOUs. From this point of view, Liu Jinge was a great contributor to the reform of paper money.

Before leaving Chengdu, Chengdu's industry and commerce had already shown signs of development due to currency stimulation. Deng Ming certainly did not want this situation to be reversed. Credit currency is mortgaged with future prosperity. This debt not only has to be repaid, but also has to be paid interest. If there is no future prosperity, such a large amount of debt cannot be paid back, and industry and commerce will be defeated back to its original form.

Therefore, Deng Ming did not want to deal with it hastily, but left military affairs behind and carefully considered it for a day and a night. The next day, he called Qin Xiucai again: "You should return to the capital immediately and tell President Xiong that prices cannot be allowed to fall like this."

When Deng Ming just heard that the prices in Chengdu fell, he felt a little incredible. He originally thought that with the influx of a large number of people, the prices in Chengdu should rise step by step. But after thinking for a night, Deng Ming discovered the misunderstanding of his thinking, that is, the new population has no currency, so among the price increases caused by the influx of population, the most important commodity, which is the fastest rise is currency.

Because new immigrants have no currency, prices have fallen. After understanding this, Deng Ming's first idea was to issue subsidies to all new immigrants. If all people have money in their pockets, prices will of course rise, which will stimulate the business community to hire more short-term workers, buy more raw materials and tools and expand production scale.

However, after thinking about it, this kind of excessive subsidy seems to lead to other problems, so Deng Ming decided to distribute the subsidy to a group of people who urgently need to buy daily necessities and produce supplies.

Deng Ming said to Qin Xiucai: "I have written a letter to Liu Zhifu, and asked him to immediately send an IOU of 1.2 million yuan to his fellow Juren who had just retired from the army this year to stop the price drop. If it is not enough, I will ask him to give out more IOUs."

Seeing Qin Xiucai showing a confused look, Deng Ming took out a letter to Liu Jinge and asked Qin Xiucai to read it. In the letter, Deng Ming first praised Liu Jinge's political achievements, saying that he learned through various channels that while the prefect's yamen had accumulated a large amount of grain, he also had an IOU reserve of at least three million yuan.

"...But in addition to making money, the government is also very particular about how to spend money. For the government, money cannot be used to expel foreign enemies, so it is necessary to try to use money to win people's hearts and exchange equipment for equipment. How to do this? Let's do it step by step. The task I gave you this time is not too difficult. First, help me buy people's hearts and military morale..."

Deng Ming's letter to Liu Jinge was very long and his tone was very friendly. Qin Xiucai thought about Deng Ming's intention to show him this letter, and felt that he was well aware of the admiral's meaning. Except for Xiong Lan, he must not reveal the matters that had read this letter to others.

The specific measure to buy military morale is to pay money to retired soldiers. Isn’t every veteran enjoying a three-year valid subsidy of 200 yuan? Deng Ming asked Liu Jinge to immediately pay 200 yuan to each of these 6,000 veterans, and told them that this was an additional additional payment, which would not affect their subsidy collection within the next three years.

Deng Ming asked Liu Jinge to consider how to publicize the significance of the government's distribution this time, so that the people around Chengdu felt that serving in the army would have realistic benefits, and that the goal was achieved. At the end of the letter, Deng Ming also gave Liu Jinge greater power: "If Brother Liu thinks that 200 yuan a person is too small and the effect is not good, you can add more money, as long as the total cost is controlled within 2 million. I am looking forward to good news from Brother Liu."

After reading the letter, Qin Xiucai held it in both hands and returned it to Deng Ming. The latter took it into the envelope, sealed it, pressed his own seal, and handed it to the soldiers to see it off.

These fellow juren have to buy everything, and they will use it soon after having an IOU in hand. In addition to these 6,000 people, the purchasing needs of new immigrants must also be considered. Deng Ming firmly believes that as long as they help them overcome the current difficulties, they will create a lot of wealth to repay society tomorrow.

"When I go back, tell President Xiong that his loan scope should not be limited to veterans, and these new people can also lend. However, interest must be collected, but they cannot be given for free. After all, they are different from the juren and scholars, and have not contributed their strength to the court." Deng Ming thought for a while and said, "There should be more encouragement for those who work hard, such as those who are willing to work in their spare time, can get loans with a larger amount or lower interest. As for ordinary people, I think it is enough to set the loan amount to 1,000 yuan, and the annual interest rate is 5%.

Many immigrants who had just arrived in Chengdu had nothing left, but even if they only farmed and only reclaimed ten acres, they could pay 100 yuan to the court by the end of the year. This was only one-tenth of the social wealth he created. Therefore, Deng Ming believed that providing loans to these immigrants was a very profitable transaction, not to mention that they could stimulate industrial development.

Qin Xiucai certainly did not object to this, but he was still worried about the price of grain. He pointed out to Deng Ming that no matter how well the grain in the warehouse was preserved, it would gradually be eaten up. If the IOU was circulating in large quantities, the rise in grain prices would be an inevitable trend. At that time, if the prefect Liu refused to use grain to recover the IOU, the soaring price of grain would be uncontrollable.

"Yes, you're right. If the food price cannot be controlled in the future, I will not blame President Xiong for doing things with confidence. Let him do things boldly. Now the most important thing is to resume production. I didn't let him send too many IOUs at the beginning because I was afraid that prices would soar and affect production." Deng Ming comforted Qin Xiucai and said: "I brought back a lot of grain from Jiangnan. This year, there was no output, which was enough for everyone to eat."

But Qin Xiucai's doubts were still not completely dispelled. Xiong Lan discussed this issue carefully with him. Cao Cao believed that military morale was more important than the life of a grain official, and he did not hesitate to kill a grain official in order to maintain the morale of the army. Deng Ming said it was okay, and it might be sincere, but if he needed to choose between calming public anger and protecting Xiong Lan, Xiong Lan did not have much confidence in his victory.

"Is there anything else?" Seeing that Qin Xiucai wanted to speak a few times but stopped, Deng Ming asked on his own initiative.

"Governor Xiong intends to establish a charity warehouse to store rice." Qin Xiucai said carefully. Xiong Lan knew that this move had invaded the power of the prefect's office. It would not only be opposed by Liu Jinge, but also may make Deng Ming dissatisfied: "This charity warehouse only does two businesses, buying one stone of rice for 80 yuan, or selling one stone of rice for 120 yuan. The price of selling or purchasing will never be changed, and the transaction cannot be refused."

Qin Xiucai's suggestion made Deng Ming stunned. He had originally planned to buy one stone of grain for 100 yuan under any circumstances, but considering the inevitable price fluctuations in grain prices, storage costs, quality and other factors, he finally gave up this plan. Deng Ming only proposed a reference price of 100 yuan per stone for Liu Jinge, and let him consider the specific purchase price and quantity.

Qin Xiucai's idea seems to be operational. As long as there is such an institution, the people in Chengdu will have basic confidence in the price of grain.

"Many people are unwilling to use the IOU, but they are afraid that when they are harvested, the price of grain will fall to 50 yuan, 40 yuan, or even 10 yuan, or 5 yuan per stone." Qin Xiucai thought Deng Ming didn't understand, so he explained it to him. This phenomenon of plummeting grain prices is actually a common phenomenon. High grain prices hurt farmers, and low grains hurt farmers. Whenever the harvest is harvested, farmers will have to pay taxes. At this time, grain merchants and government officials will often work together to lower the grain prices, and farmers have to sell a large amount of grain at a price of one tenth in exchange for enough silver. Sometimes due to the forced by the government, farmers have to sell food and seed grain at a low price; after paying the tax, the grain prices will rise sharply. In order to survive, farmers have to borrow usury and buy back the low-selling grain at a price of several times or even dozens of times.

There is no grain merchant in Chengdu now. As a 20-year-old young man, Liu Jinge did not know this kind of government means of making money. However, not every citizen knew nothing about this method. After seeing the price of IOU rising, someone felt that the alarm bell rang.

"If you collect physical goods as taxes, the government will force the people to pay more losses, sometimes it will even be several times higher than the positive tax. After the silver is paid, in addition to the loss, it will also have to buy high and sell low. The people really have no way to survive." Deng Ming shook his head repeatedly when he heard this.

Qin Xiucai told him that under the rule of the Ming Dynasty and the Qing Dynasty, when the government and grain merchants skillfully colluded together, it was normal for grain prices to fluctuate by more than ten times. Only when the people could not survive even if they sold their children, the government would come forward to calm prices and let various interest groups stop at the right time.

If the charity warehouse suggested by Xiong Lan was established, the maximum increase or decrease in Chengdu's grain prices would be limited to about one-third. If this system could last for a hundred years, it would be a moral policy worthy of being a great writer and hype in any dynasty.

"Now there is not even a grain merchant in the capital. If the admiral issued this order now, no one would object." Qin Xiucai observed his words and thought that Deng Ming seemed to be tempted to agree: "And even if he bought it for 80 yuan and sold it for 120 yuan, the profit is limited, but he can also maintain the warehouse and use it for manpower. Not only does he not have to ask for salary from the prefect's office, but he can even feed back to the vassal treasury. Moreover, he can also reserve a batch of grain for the government, which will be of great use whether it is a famine or a war."

"That's right, it's imperative to build a charity warehouse." Deng Ming nodded repeatedly when he heard this.

As Qin Xiucai said, if this charity warehouse system was implemented outside Sichuan, it would probably arouse fierce opposition from local grain merchants, gentry, and officials; or, in other areas, Qin Xiucai and Xiong Lan would not have the idea of ​​establishing this system. Without food, there would be nothing, and there was no way to talk about industry and commerce or arms. Qin Xiucai's suggestion made Deng Ming very happy, but he did not intend to overlap the powers of banks and governments.

Deng Ming said: "But it is not appropriate to hand it over to the bank. I will send someone else to do this and tell President Xiong to reassure him that I will use this method to control the grain price."

It is not a good thing to have no grain merchants. Public things are easily stolen and inexplicably lost. However, if Qin Xiucai did not tell Deng Ming, grain merchants would definitely collude with the government and oppress the people in the future... This charity warehouse can be purchased by the government. When the price of grain is lower than a standard, it must be purchased continuously; when the price of grain is higher than the warning line, inventory must be sold unconditionally. When it is implemented in the future, all kinds of bizarre things will probably happen, but the overall idea should be correct.

Deng Ming thought in his mind: "What Liu Jinge is doing now is obviously a speculative and scattered person. There are no grain merchants in the capital now, and it is mostly because no one can speculative and scattered persons than the government... It seems that the government should be prohibited from purchasing grain directly, and in the future, they can only purchase or sell prices, so that private grain merchants will appear."

Although Qin Xiucai was unable to obtain the management rights of this charity warehouse for his boss, it would be a great success as long as he persuaded Deng Ming to adopt it. Xiong Lan and Qin Xiucai were not sure about Deng Ming's intentions when discussing privately. I wonder if he intentionally wanted to use this method to withdraw taxes in disguise.

"Governor Xiong also wants to expand the recruitment of a group of cashiers and security guards..." Qin Xiucai mentioned the last thing.

"How many people are needed?"

"Three managers, fifty cashiers and one hundred and fifty security guards." Qin Xiucai replied honestly.

"Do you have so many security guards?" Deng Ming asked strangely, then felt relieved. He remembered that Xiong Lan's security guard seemed to have to do miscellaneous work, and perhaps it really needed a lot of people.

"Yes." In Qin Xiucai's impression, of course there were more soldiers than servants, and any army was the same. He replied: "Security guards must be used to repair the yamen, carry machines, and make carved papers."

"You just said you wanted fifty cashiers?"

"Yes." Qin Xiucai nodded heavily. He hired 150 more security guards. If he couldn't even afford to support fifty cashiers, wouldn't it be that the productivity was too low? Although 150 soldiers may not be able to support fifty combat-capable servants, how could the proportion besides a little higher, Xiong Lan's military management level appear?

"Governor Xiong is doing a good job." Deng Ming sighed in surprise and joy. Not long after the bank handed over to Xiong Lan, he listened to Qin Xiucai's report. Now the bank has dozens of cashiers - the bank needs so many salesmen, so he must be busy with work every day and there are many customers! Unexpectedly, Xiong Lan will continue to expand, which fully demonstrates Xiong Lan's enthusiasm for work, and also shows that Xiong Lan is very optimistic about Chengdu's financial prospects.

"Thank you, Admiral." Qin Xiucai quickly humbled his boss. He couldn't help but feel a little complacent and thought to himself: "Sure enough, when he heard that he needed so many cashiers, the admiral also felt that the boss was able to manage the army well."

"Okay, I agree." Although recruiting more people means greater government expenditure, what is the IOU compared to reserve financial talents? Deng Ming agreed to Xiong Lan's expansion plan without thinking. After Qin Xiucai reported his salary, Deng Ming felt more relaxed and thought to himself: "It's really cheap. Raising a cashier is not much more expensive than raising an armored soldier!"

"There is also a general manager of the bank and three bank department managers," Qin Xiucai solemnly reported to Deng Ming: "This is how President Xiong sets their selection criteria..."

"Yeah." Deng Ming listened attentively, intending to discuss this standard with Qin Xiucai, and take the opportunity to understand Xiong Lan and others' understanding of financial issues. As for Qin Xiucai, he is very confident about the personnel selection regulations that will be taken soon. Whether it is a manager or a cashier, their height, weight, battlefield experience, and every detail have corresponding regulations.

But at this time Li Xinghan walked in: "Admiral, a large army of Tatars was found attacking in the upper reaches of Qijiang."

"Did you come from Guizhou?" Deng Ming turned his head and looked at Li Xinghan with a look of surprise on his face.

"Yes." Li Xinghan nodded seriously, possessed himself in Deng Ming's ear and said a few words.

"So that's how it is." Deng Ming no longer discussed with Qin Xiucai, but asked him to return to Chengdu immediately, and everything was done according to President Xiong's rules. After that, Deng Ming still laughed at himself: "Although I have an advanced understanding of banks, I am also very shallow. I should still believe that people of this era will find a financial path suitable for Chengdu. Besides, this is not the selection of soldiers. I have been in the army. If I select soldiers, I might also give Xiong Lan some suggestions."

"Abide by the order, admiral." Qin Xiucai received the order and withdrew with gratitude. Although there were only 200 people, in such an important heart position in Chengdu, Deng Ming not only fully agreed with Xiong Lan's behavior of recruiting soldiers, but also granted him the right to act cheaply. What is this? This is an attitude, and this is Deng Ming's full trust to Xiong Lan.

"Are you sure you read the name of Zhao Liangdong wrong?" After Qin Xiu took over, Deng Ming asked Li Xinghan.
Chapter completed!