"Not bad, but I don't like to harass the villagers. Let's talk about the serious business. ￡∝," Wang Ju said.

There were many officials in the Song Dynasty who were friendly to the people and went to the countryside to see the people, but there were very few people who could really talk to the officials.

Zu Yang was a little dizzy.

He didn't believe how important his industry was, or he put it in the heart of the young magistrate in front of him. Huai'an Town is a little better, you should know which mountain is not stained with blood when going a little further.

Wang Ju seemed to see his thoughts and briefly explained: "Gingzhou has many mountains and few rivers. Although the water and soil are not as serious as that of my hometown, the Security Army, is also a place of poverty. If you want to pick out something from this yellow mud, Qingzhou will never be able to get better. Therefore, I hope you can bring your fellow villagers to get rich together."

"I know... I don't have that ability."

"A person definitely doesn't have the ability, but with more people, Gyeongju will get better. Let's talk about serious business. You are facing some difficulties now, and it's okay. Because you have developed it yourself, you know better. This technology is in your mind. As long as the conditions are sufficient, you can make a comeback. Therefore, on behalf of the government, I will give you a chance."

Zu Yang's beautiful wife stopped crying. She hadn't thought about Wang Ju's identity and was thinking, why is this young general so arrogant?

The soldiers performed well this time, but how could a young general represent the government?

Wang Ju didn't care about her thoughts. He was too nervous and said quickly: "In the future, the government can borrow 3,000 to 5,000 guan of money to you. The annual interest is one cent, and it will be repaid for ten years. Of course, you can repay it in advance. You don't have to pay interest if you repay it in advance. If you repay half of it in advance, you only need to pay the remaining half of the interest. I may send someone to sign this contract with you in the future."

"One cent profit?" Zu Yang didn't believe it.

In fact, the interest rates among the people in the early Song Dynasty were not high, but with the prosperity of the economy, more people were short of money in business, and the interest rates became heavier and heavier, and then usury was generated.

Why do you borrow usury? Think about it, when a person never encounters difficulties in his life. In the most difficult times, even if he knows that usury is a fire pit, he still has to jump down. He even begs someone to let you go.

Therefore, usury has always had a market. Even if there is usury in the private sector a thousand years later, this gray area is an indelible cancer.

Therefore, the waters rise and the interest rates are getting heavier.

However, Wang Ju knew very well that no matter what industry, it could increase revenue by 20% every year and accumulate costs in four years, which would be considered a good business. Just like investing in arable land, the average price of one acre of land is three jin of money. Leasing it out will cost half of the rent, and more than one stone of grain. Milk, wheat and rice may be only 100 cents, and the investment ratio is 20 to 1, 5% of the income. If two taxes are paid fairly, then only 2% of the income!

But nowadays, those with low interest rates often reach two cents, so they often borrow six or seven out of ten and cannot afford to pay back the money, so they don’t want to pay it back. So the borrower dares not borrow, and those who want to borrow can only borrow from usury, and then borrow it once and they will... die!

Therefore, one cent of profit is the reasonable interest on borrowing. If the borrower has hope, the lender can recover more than 90% of the loan.

Of course, Wang Ju didn't need to explain to Zu Yang. He continued, "Will someone still talk with you?"

Zu Yang's wife said on the side: "General, where is your surname?"

The personal guard behind Wang Ju laughed again, and it turned out that the young general had become a general.

"Sister-in-law, my surname is Wang."

"General Wang, you should take charge... Damn it, I'm talking too much, I'll pour you tea." After all, it was the family of the businessman, and he had some knowledge. His husband knew it, but this pretty brother was not willing to say it, why did he ask.

"No..." Zu Yang wanted to stop him. The valuable things in his home were moved away together. There was only a bag of old leaf tea, which he could drink.

"Then I'll bother my sister-in-law. Our business is running in a hurry and I'm a little thirsty, but just cook it dryly, don't add rice flour, ginger and green onion." Wang Ju said.

He really doesn't care about tea. Even if he makes the best tea cake for him, he can't eat it if he cooks rice flour, green onion, ginger, fennel and pepper.

"Good come."

"But you have to promise me a few conditions," Wang Ju continued to do the job.

"Please give me instructions."

The two names that Wang Ju hates the most are the prince, which makes him look like he is seventy-year-old and eighty-year-old. There is also the other one. If you dare to call me, I dare not accept you guys.

But what to do? You can't go any further, you have to explain things clearly quickly.

"The first one is that I hope you can set up a workshop for conscience. Before I came, I also sent someone to inquire about you secretly. What I usually say is still upright, otherwise I wouldn't have come today."

Wang Ju had a very good reputation in Huachi County before, but Qingzhou had nothing to do with Huachi. Moreover, because Qingzhou is important in recent years, all important officials have sent important officials to serve as prefects. Overall, 80% of the officials performed well, so Zu Yang did not react particularly to Wang Ju's words.

"But people will change, especially after receiving support from the government, some people will change immediately."

"I won't."

"I'm not afraid of you, because the first thing about this is this. The government gives you low interest rates. I hope that some people will become richer and benefit more villagers. Therefore, I hope you will draw up a specific salary for employees and the production time for employees. Sometimes ordering is tight, so I can understand that it requires extended production time. However, extensions must be appropriate subsidies. In addition, if there is something in the employer's family, he has something to do, whether it is allowed to leave, etc., you must think about it and write a charter. But remember that it must be something you can do, a win-win situation. What is a win-win situation? That means you can benefit villagers and make profits, and you cannot bring you negative burdens. And this must be written on the contract, so you cannot make too high promises. Do you understand?"

"I understand, little one," Zu Yang said excitedly. This is the good official who is reasonable.

In fact, this matter would be much more troublesome than he thought, but Zu Yang didn't know it.

"The second thing is that you must not evade taxes, but you don't have to worry. This time I will talk about this tax issue when I go back to Qingzhou City." Wang Ju said.

The commercial tax in the Song Dynasty was very simple. People who ate goods were called "over tax". Every thousand coins were counted as twenty; people who lived in the market were called "residential tax", and every thousand coins were counted asthen thirty.

Translated into vernacular, the traffickers pay 2 per hundred per hundred according to the price of the goods they carry, which is called overt tax. The sitting merchant (mostly refers to the producer and seller) pays 3% of the goods at the price of the goods, which is called residence tax.

So where to pay the tax? It is to pay at various levels or places where commercial taxes are specifically charged.

But the fact is not like this. The rich, powerful and powerful businessmen don’t pay a penny of business tax. However, the powerless and powerful businessmen are often blackmailed and extorted by clerks and yamen runners, selling something, paying three percent tax, and often having to pay two percent tax, and businessmen are also blackmailed by blackmail. Then, one county and one township is often placed in a rigorous position, from Qingzhou to Chang'an, and can pass dozens of dojo business.

But we had to do business, so we all went to a wrong way together.

So when Zuyang heard this, he had a bitter gourd.

Wang Ju said again: "After I go back, I will post a bun to all the county towns of the prefectures and cities. All merchants in Huanqing Road will be paid by merchants and refuse to pay any other taxes, including taxes. The merchants operate in this state and only need to pay one tax. If a clerk forcibly collects more than two taxes, he can come to Qingzhou City to complain, and the government will compensate them twice with the tax money they levy. Any merchants in Huanqing Road who are businessmen in other states, as long as they are legal operators and only need to pay two taxes, they can trade in the five states and soldiers in the entire territory of the five states. Anyone who is a harsh man can file a lawsuit in Qingzhou, and still double compensation."

"This is great. The younger ones will definitely not evade taxes," Zu Yang was overjoyed.

"The third requirement is that this batch of loans can only be used in the operation and development of your workshop. It cannot be used for other purposes under any excuses, otherwise it will be dealt with on the charge of fraudulent government money."

"Can you pay it back with it?"

"It is also possible to repay the debt, but it must be to repay the debt owed by operating the workshop, but the foreign debt owed by other reasons shall not be repaid under any excuse."

"I will obey this."

"In addition, I have two suggestions, you can listen, or you can not listen."

"I don't dare."

"The first suggestion is that the pattern style you weave is very inappropriate. Although the skills are good, it can only be said to be a waste of time. Therefore, if I listen to my advice, I will hire a few skilled craftsmen from Xiazhou for you, but you must treat others well."

"Thank you, I'm sorry," Zu Yang knelt down all of a sudden. This is a suggestion, is it clearly a strong support?

The main reason why officials do not have this concept yet, and even feel ashamed of touching merchants. In fact, ninety percent of them are more greedy than Wang Rong, the seven-year-old prodigy who doesn't eat plums on the roadside.

In addition, reading Confucian books does not understand the role of business. They even think that those who work in the city and those who do business are floating people, and only farmers who grow grain in the fields are real good people.

So, a very normal behavior in Wang Ju's heart moved Zu Yang.

"Get up, and I have the second suggestion. Now you can resolve this crisis first. If the economy improves in the future, you can send your family in the winter, or go to the south to take a look. In Guangnan, the Li people are very skillful and can weave kapok into exquisite cloth. You can further improve this skill and then weave wool into thread."

"Wool made into thread?"

"Well, of course, it is not required to be as thin as silk thread. It can be slightly thicker. Then think about what the meaning of this thing would be?"

This is still a problem with fiber.

Therefore, the technique of making bamboo paper is very complicated.

Similarly, it is very difficult to weave short lint cotton fabrics nowadays, so it is even more difficult to weave wool threads into cloth, but it is also possible to wrap silk and twine into it for blending.

However, as long as it is made, it will be no less than a small industrial revolution.

“There will be very warm clothes.”

"Yes," Wang Judao, in addition to warm clothes, sheep eat people. But this was not needed in the Song Dynasty. On the contrary, it would have a good positive effect. In order to make profits, many powerful people would spontaneously push the court to expand westward and northward to obtain more ranches to raise sheep. Instead, as now, before it was beaten, someone in the rear was pulled back.

In fact, due to the changes brought by oneself and Wang Anshi's reforms, he will have enough financial resources to support the continuous war in a few years. Even if he is defeated, he can continue to fight.

By then, the Western Xia will be exhausted.

However, this technology is a bit complicated and has some luck in it. Therefore, Wang Ju said again: "If you can succeed, I can exempt you from all your taxes for ten years. Of course, maybe I was probably not in Qingzhou at that time, but I can write this article on the contract. If any official does not implement it, you can go to Beijing to appeal. If you are afraid, you can also write to me and I will appeal for you."

"Who dares..." Appealing a prefect? ​​Zu Yang is not as brave as Ding's courage back then.

"It's not that you dare or not, but that you, as a citizen of the Song Dynasty, are maintaining its credibility for the court. If a country loses its credibility, it cannot make the people believe it, and the edicts cannot be enforced. But... forget it, in this way, if you succeed, you can write a letter to notify me, and I will deal with it at that time. But this is also a suggestion. If you don't accept it, I won't blame you."

"The little one is willing to adopt it."

It just so happened that Zu Yang's wife had cooked the tea, Wang Ju and his guards drank a bowl, then put down the large thick bowls, and said, "That's good. You have thought about the specifics, written them, and go to Qingzhou City. I probably have returned to Yanzhou again, but you can find Judge Zhang, who will handle your affairs with all your power."

After saying that, he took a group of personal guards and rode away.

The ancestor's wife asked strangely: "Husband, who is he? He's so angry."

"He is the rumored Wen Kuixing, Wu Quxing, and the new governor."

It turns out that the two stars are united.

"My God," the ancestor's wife fell to the ground in fear, then stood up and said, "The magistrate wants to help you, hurry up, prepare incense and candles, and go to the ancestor's grave to burn incense."

"Okay," Zu Yang said.

At this moment, he became energetic again.

The couple went to Huai'an Town to buy incense and candles with the remaining money. The ancestor's wife asked on the way: "Husband, that magistrate is so handsome."

"Husband, what a young magistrate."

"Husband, he really has no airs. I have eaten the tea in my house."

"Husband, how could he help you?"

"Husband..."

"Okay, stop talking, he is a good official." Zu Yang said helplessly.

Wang Ju was not as good as they thought, or the couple had a good life, because Wang Ju was about to do something important, and they happened to meet... (To be continued...)
Chapter completed!