Li Banghua's influence among local scholars is amazing.

Once he expressed his position, many scholars and children who did not want to be thieves also stepped forward to follow him.

Anyway, Li Banghua is so famous that if the sky falls, he will hold up!

Within a few days, the grain bank team was formed, led by Li Banghua and local scholars. Of course, Fei Chun also participated in the whole process, mainly to follow and learn, and was responsible for supervising the accounts.

Leaving such an important matter to a group of local scholars is really a helpless move due to the shortage of talents.

When Zhao Han trains his own people, he can start killing. The exact number of kills depends on Li Banghua's restraint and how many people have the courage to act like a leopard with a bear's heart.

"Oh, Mr. Meng An's visit really makes the humble house shine." Xiao Wanquan greeted with a big smile.

Li Banghua clasped his fists and said, "My friend Xiao is too praised. I am nothing more than an old man."

"Where, where, Mr. Meng An, please come in quickly." Xiao Wanquan said with a smile.

Compared with before, Xiao Wan's family is very deserted, with only a few maids and wives left. Not only have all the employment contracts been changed, but the wages have to be increased, because the previous salary was too low.

The two exchanged a few words, and Li Banghua explained his intention.

Xiao Wanquan said: "May I ask, what is the annual profit for storing grain in this grain store?"

"One cent profit." Li Banghua said.

"Only one cent?" Xiao Wanquan was quite disappointed. He used to lend grain to tenants and it was done on a compound basis.

Li Banghua said: "It's good to have interest. The Grain Bank stores grain for you, and the storage fee will be confiscated for all kinds of losses."

"That's it, that's it," Xiao Wanquan asked again, "If the grain bank lends grain to tenants, what's the interest rate?"

Li Banghua smiled and said: "One point and two centimeters."

Xiao Wanquan was extremely surprised and said: "Isn't the grain store going to lose money?"

Li Banghua said: "The purpose of opening the grain store in Zhaozong Town was not to make money, but to leave a way for ordinary people in Shengdou to survive."

"Mr. Zhao's benevolence and righteousness means..." Xiao Wan looked hesitant.

Li Banghua stood up and held up his hands: "Since my friend Xiao is in trouble, I won't bother you anymore. Farewell!"

Xiao Wanquan stood up suddenly and said quickly: "It's not difficult, it's not difficult."

"Friend Xiao is indeed a smart man." Li Banghua smiled.

Xiao Wanquan thought too much. He knew that Zhao Han was short of food, and he was afraid that Zhao Han would become desperate, so he would kill people to grab food.

No matter how well-behaved a rebel is, he is still a rebel in the final analysis!

The more indifferent Li Banghua acted, the more frightened Xiao Wanquan felt, fearing that he would lure a snake out of its hole and stab him.

Xiao Wanquan was willing to borrow the grain because Zhao Han held the handle of the knife.

And having Li Banghua come forward in person is nothing more than reassuring the landlords that the grain will not be borrowed without repayment, and Comrade Li is still very trustworthy.

Li Banghua visited several villages in succession, and most of them were willing to borrow grain.

Then, Lao Li's sexy moves came...

Since the grain store's warehouse is not enough, it will be temporarily left at the landlord's house.

When the people in a town are short of food, the household department of that town will contact the grain bank personnel and go to the landlord's house together. If you need to borrow as much as you need, you will get it from the landlord's house. The borrowing day will be used as the starting date, and the landlord will be issued food deposit stamps.

, and at the same time, issue food stamps to farmers.

The grain store is like a wolf with nothing. It has no warehouse and only has staff, so it is left to the right and it makes a two percent interest difference in vain.

However, this middleman is very important.

If the grain is borrowed directly from the landlord, how can the annual interest be only one cent or two cents? Three cents per month is a benevolent price, five cents or seven cents per month is possible!

Why were there money and grain shops in every village and town in the late Ming Dynasty?

One is for loan sharking.

The second is to exchange silver for farmers. The Yifan method only accepts silver, from which huge profits can be made.

Of course, the one-whip law was not strictly implemented, and miscellaneous taxes in many places still collected grain directly from farmers. This was also one of the important ways for officials to make profits.

The landowners were so angry at what Li Banghua did to them that they would no longer think about lending money at usury in the future.

"Brother, this Mr. Li is really amazing," Fei Chun said happily. "I'm still having a headache. Where can I find a warehouse to store grain? Hey, as soon as Mr. Li took action, he directly stored the grain in the landlord's house. I don't need so much.

Secondly, there is no loss of grain storage, and thirdly, it also saves a lot of interest on grain storage."

Li Banghua reorganized the Tianjin New Army, and then reorganized the Beijing camp troops. Although he offended countless powerful people, he managed to keep everyone in compliance.

What do a few rural landowners mean?

It's like killing a chicken with a knife.

"Mr. Li does have some means," Zhao Han praised, and immediately added, "But this is just a stopgap measure. When free in the future, we will still have to build our own granary and money bank. Otherwise, the resentment of the landlords will deepen day by day, and we will also have our own hands."

No money or food.”

Fei Chun said with emotion: "It would be nice to have an expedient solution. I almost died of worry a few days ago!"

Zhao Han took out a few letters and said: "It is the time to hire people. I didn't want you to go, but I don't feel comfortable sending others to do things. Give this letter to Mr. Jishui Li's family, and you can take the other letters back with you."

Over there at Qianshan Mountain, help me go back with Ruhe for a visit."

"That's great." Fei Chun also missed his parents a little.

Fei Chun took a few followers and took a boat straight to Jishui.

Fei Ruhe and Huang Yao also led their troops and set off by boat, going south and north to borrow grain from the government.

In order to facilitate dealing with the magistrate, Zuo Xiaoliang followed him to Taihe County, and Xiao Huan followed him to Anfu County.

…

The magistrate of Taihe County is called Liu Taiyuan, and he was a third-ranked Jinshi in the fourth year of Chongzhen.

This official was not bought, but was officially appointed by the court, so there was no need to rush to repay the loan for buying the official.

Generally speaking, Liu Taiyuan's official reputation is not bad. He only embezzled a few people and did not exploit the people crazily.

Unexpectedly, there were rebels in Luling County, and the governor went to suppress them, forcing the rebels south of Heshui into rogue bandits, and they rushed into Taihe County to plunder.

These guys killed landlords, occupied their mansions, and robbed them of money and food. They seemed to have the tendency to become bandits.

"The county magistrates, gentry and village elders jointly requested to recruit village warriors to exterminate the bandits." County Magistrate Zhang Huainan said.

As a new county magistrate, Liu Taiyuan did not even invite a master. He complained endlessly: "The governor was defeated and killed when he suppressed the bandits. How can I suppress the bandits? Let's wait until the new governor arrives."

Zhang Huainan reminded: "Your Majesty, as long as you have money and food, the rebels can be suppressed."

Liu Taiyuan asked in surprise: "Could it be that Brother Zhang is actually a person who knows the military?"

Zhang Huainan felt very tired. The novice county magistrate did not have enough experience, so he had to explain the matter clearly: "County Lord, you can collect the money and food first, and you can practice your country bravery first. As for suppressing thieves, you can wait for the opportunity. In case a new governor is appointed,

He is also capable of suppressing thieves. The county magistrate has made preparations in advance, and he can still be appreciated by the governor."

Liu Taiyuan was stunned, and suddenly realized: "That's it, thank you Brother Zhang for reminding me!"

After studying hard for ten years, I became a county magistrate, and then encountered rebels and bandits for the first time. I really need to accumulate experience.

Experience in making money!

"County Lord, it's not good, the rebels are coming!" The old official came to report in a panic.

Liu Taiyuan was so frightened that he trembled all over and asked quickly: "Have the rebels arrived outside the city?"

The old official replied: "We came by boat and were still soaking in the Gan River. We sent a rogue official to call the city."

Liu Taiyuan quickly ran to the city tower. As expected, there was only one scholar outside the city, and there was only one rebel boat on the river.

"Hang him up!" Liu Taiyuan ordered.

Zuo Xiaoliang climbed to the city seated on a basket, bowed his hands and said: "Zuo Xiaoliang was born late, and I paid my respects to the county magistrate."

Liu Taiyuan cupped his hands and said, "Your Excellency, you are also a scholar?"

Zuo Xiaoliang's family didn't have many people, so he simply used his real name to become a thief. He said, "I'm ashamed that I was born late and was just a scholar."

Liu Taiyuan said sadly: "Since you are a scholar, why would you become a thief?"

Zuo Xiaoliang said: "I can't have enough to eat."

"Uh..." Liu Taiyuan didn't know what to say. This reason for becoming a thief was too nonsense, and at the same time, it was too justified.

Zhang Huainan from the county seat suddenly asked: "Since you are a rebel, who is the leader? And why are you sent to Taihe County?"

"My lord Zhao Yan." Zuo Xiaoliang said.

"Zhao Thief?"

The county officials were shocked.

That was a giant bandit who captured the city, killed dozens of officials, and even defeated the governor!

Liu Taiyuan felt his throat was dry, swallowed his saliva and asked: "Zhao thief...what did Zhao Yan send you to do?"

Zuo Xiaoliang cupped his hands and said, "My lord heard that there are refugees in Taihe County. It's freezing cold today and he can't bear for them to freeze to death and starve to death, so he wants to take these refugees away and resettle them."
To be continued...