The daily life of the science master's book-wearing group

Chapter 265 Small Unsecured Loans

Song Qingyue knew very little about modern gunpowder technology, but she suddenly remembered that she had read in her uncle's historical science books that granulating black powder could increase the performance of gunpowder.

She didn't quite understand it before, but now she understands it all at once. The gaps between particles can just provide air for the combustion and explosion of gunpowder.

So how big should the particles be?

The explosion effect of 0.5 mm particles and 1.5 mm particles may be very different.

It was another question that needed to be tested to know the result. She immediately asked Zeng Maozhi to go to the cave to let the masters experiment with the explosive performance of black powder of different particle sizes.

This idea immediately inspired all the masters.

Although the master who studies gunpowder is in the south, it is not suitable for explosion experiments here in the capital, and the movement is too loud, but this will definitely not stop the enthusiasm of old master Yan to do experiments. He made a template, put powdered black powder in it, and pressed it. Tighten it tightly, and then pour it out, it will be granular.

Of course, various other adhesives such as glutinous rice flour and gypsum can also be used to try.

This process is so simple that they don't need a special gunpowder master, they can do this experiment by themselves.

In fact, granular gunpowder has existed for a long time, but it was designed for moisture resistance at that time, and everyone ignored the influence of particle size on the explosion effect.

After several simple experiments, the masters were pleasantly surprised to find that the shooting distance of this flintlock musket was more than ten steps farther!

Song Qingyue was very happy to learn that the range had been broken again, but this happiness was not enough to calm her anger towards the Ministry of Internal Affairs.

Nitroglycerin is relatively easy to make, but it is too dangerous, and it cannot be stored and transported at all, just pass it directly.

The synthesis of trinitrotoluene, that is, TNT, is relatively difficult. There are no industrial raw materials such as benzene and toluene.If you want to make benzene, you have to start with refining coal tar...

But it's not impossible to challenge it!
Song Qingyue drew a bunch of organic chemical equations on the draft paper, feeling a little worried for a while.

How about the hole card, the hole card is a fart, why didn't I think that I might not be able to get it out at all?
Trinitrotoluene, that is, three nitrate groups are added to the benzene ring.

The main chemical components of the original black powder itself are potassium nitrate, sulfur and carbon powder. Since potassium nitrate can be used, other nitrates should also be tried.

Such as sodium nitrate, silver nitrate, mercury nitrate, calcium nitrate, copper nitrate, ferric nitrate, ammonium nitrate, etc., you can try it.

This nitrate can have one, two, or three radicals. According to chemical terms, it is a single base, a double base, and a triple base, so the other half can also be an organic compound.

She listed as many nitrates as she could think of on the paper.

Under the existing conditions, those that are too difficult to prepare should be crossed out, and those that are too explosive should also be removed. Those that cannot be stored and transported at all should be passed directly. Therefore, the stability of properties under normal temperature and mild bumps and impacts is also an element that needs to be considered.

Song Qingyue, who was full of motivation due to the oppression of the Ministry of Internal Affairs, stayed up for several nights to sort out theories. The maids didn't know what the concubine Shizi was writing all by herself in the room recently.

Mo Zhu glanced at it occasionally, it looked like letters in pinyin, there were small numbers, plus and equal signs, it looked like a mathematical equation, but it was definitely not mathematics, and there were some weird things on the side of some formulas Small pictures, also marked with letters.

She has been with Song Qingyue for so long and has learned so many things, but she still doesn't understand what those formulas mean.

When Song Qingyue finally figured it out and needed an experiment, she called Zeng Maozhi and asked him to take her to the cave. Of course, before that, she had to go to Chengnan Nursing Home to put on a show and walk around.

She is very careful every time she goes to the cave, and tries not to go if she can.

This time, the equipment needed is more complicated, and she doesn't have many materials at hand, so she has to go to the cave.

Theory is one thing, but actual operation is another. In the future, mass production will be considered. There are too many things to do in one night. She wants to be able to Just live in the cave for a while.

It was already dawn when she came out of the cave, and she was going to the south of the city to take a look as usual.

This time she met someone she knew in the nursing home—Niu Hesheng.

"Master Niu!"

Song Qingyue was quite surprised.

Seeing this beautiful imperial concubine again, Niu Hesheng didn't know whether to laugh or to be more serious, after all, she just lost her husband, so he saluted slightly cautiously, saying, "Hi concubine is safe."

"Don't be too polite, why are you here?"

Niu Hesheng said embarrassingly: "Student recently...money is a little tight, so I was thinking of finding a job in the city for a while, and I happened to meet Miss Mo Yun. I learned about the kindness of the concubine, so I wanted to do my part .”

Song Qingyue immediately remembered that Niu Hesheng was funded by Li Zhao. Besides him, there should be several other candidates from poor families and students from the Imperial College.

After Li Zhao's accident, it was probably for the sake of acting and doing a full set, cutting off the money and food of the group of candidates who had previously sponsored.

She smiled and said, "So now I should call you Mr. Niu, or Mr. Juren?"

Niu Hesheng felt a little ashamed, lowered his head and said, "Student...failed."

Song Qingyue said indifferently: "Young Master Niu is still young, so don't worry about it. But does Young Master Niu know who else His Highness has sponsored?"

"I know a few of you." Mentioning this matter, Niu Hesheng avoided Song Qingyue's eyes with some embarrassment.

Song Qingyue sighed, with a sad look on her face, and said: "Give me your current address, and a few other people, do you know where they live? I'll send someone to send the money. In the past few months I was negligent, I'm really sorry."

"No no no! Why are you sorry for us? Your Highness gave us a lot before, and we all saved some on hand. It's not because we can't get rid of the pot. During the snowstorm, the students were really moved when they heard about the righteous deeds of the crown prince. It will be auspicious, and she will return safely! If the concubine needs our help, just tell me, and I will do my best." Niu Hesheng said sincerely.

Song Qingyue felt that his attitude was a bit strange. After thinking about it carefully, she immediately realized that those candidates wanted to disassociate themselves from Prince Su's mansion, at least from Li Zhao's influence.

Song Qingyue nodded knowingly, and didn't force her anymore, but this Niu Hesheng is a kind person. Li Zhao's accident happened and his funding was cut off. Taking the initiative to come to help, Song Qingyue, who was covered in eunuch shit, was really moved.

Therefore, Song Qingyue's attitude towards Niu Hesheng became more gentle and polite, and said: "Mr. Niu is also a scholar. Look, I have a few boys here. How about Mr. Niu coming to be a private school teacher? I will give Mr. Two denarii."

"Qiqiqi... Qiliang! No, no, no, this is too much! How can you use so much! Niu is ashamed to accept it, he is ashamed to accept it!"

Seeing his uneasy look, Song Qingyue didn't force it, and said with a smile: "Then three or two, how about it?"

"Ah!" Niu Hesheng was taken aback for a moment, not wanting that the imperial concubine would cut Yue Feng in half so quickly, and blinked, regretting his refusal just now.

Seeing his stupid look, Song Qingyue laughed out loud, shook her head and said, "It's better to be Qiliang! Mr. Niu!"

Niu Hesheng blushed as if he was going to explode, Song Qingyue stopped teasing him, turned to Yuxiang Yujing and said: "You are also teachers, and you will teach what you learned in class at the mansion. You have done a good job these few months. Well, I am very satisfied, I will increase your monthly money to seven taels a month."

When the two heard this, they immediately knelt down to Song Qingyue to kowtow happily, and were supported by Mo Yun and Mo Fan. Mo Yun said softly: "The imperial concubine doesn't like us to kowtow. Seriously do what the concubine told you."

The two said: "Sister Mo Yun, don't worry, we must do well!"

Song Qingyue nodded in satisfaction, and then ordered: "Go and call Aunt Liu, I need to find her."

Aunt Liu is dragging Aunt Wang to see Song Qingyue because of borrowing money.

Song Qingyue asked them to sit down, and said first: "Aunts, we will talk about borrowing money later. I want to open a private school in this alley, free of charge, and provide a free lunch."

"Don't want Shuxiu?" The two aunts opened their eyes wide.

Song Qingyue nodded: "There is also a free lunch, regardless of gender or age! Anyone who wants to read and study can come. We have male teachers and female husbands here."

"This, this..." The two aunts opened their mouths wide and asked hesitantly, "We, can we go to the class?"

"Come on! Anyone who wants to read and write is welcome! Everyone is welcome! But it's agreed that you can only come to lunch after attending the class. It's not good to just eat and not attend the class!"

"Hey! Look at what you said! How can we be so ignorant!"

The two aunts didn't know how to express their gratitude for a while, and their first reaction was to kneel and kowtow, and they called Mo Yun and Mo Xiang to support them.

"You two aunts are welcome, but I have three gentlemen here."

Song Qingyue pointed at Niu Hesheng and said, "Mr. Niu is a scholar, and he is very knowledgeable. If you are interested in taking the imperial examination, you can study with this scholar."

"Hello Mr. Xiucai!" The two aunts greeted Niu Hesheng.

However, creatures like scholars are not uncommon in the capital. Just dropping a plaque can hit two or three. They have been in the capital for so long, and they have seen a lot of poor scholars, so the two aunts only respect Niu Hesheng. , but not the kind of awe that villagers in the countryside have for scholars who have achieved fame.

Besides, last autumn was just Qiu Wei, but Mr. Niu is still a scholar, which means he failed last year.

Song Qingyue saw a trace of disdain in the eyes of the two aunts, so she had to say something nice for Niu Hesheng, saying: "This Mr. Niu is on good terms with Mr. Lang Xing, the last champion, and also with my brother who is a Tanhua. He is not bad in knowledge. Yes. Even my highness appreciates him quite a bit. You don’t know that my highness is a very arrogant person, and ordinary people can’t get him. You guys, don’t underestimate Mr. Niu, people always have some luck When it’s time to recite, isn’t it?”

"Hey, hey, look at what you said! How dare we underestimate the gentleman invited by the concubine! You are seriously joking, concubine. Besides, it would be great if our children can read a few words, don't expect them What kind of fame do you want to test for!"

Although the two aunts said so in their mouths, they unconsciously looked at the Niu Xiucai a few times with their eyes. After such a look, they really felt a little different!

Niu Hesheng himself didn't know that he was so powerful, and while smiling politely, he murmured in his heart: Is he really appreciated by the champion, the second son of Song Dynasty, and His Royal Highness Su Wangshizi?Really?He is so good?

Song Qingyue said: "As you said, Auntie, not everyone has to take the merit test. However, you can come to me to find an errand without the test of merit! If it is an ordinary errand, I can find anyone. But some The errands must be someone who can write and count. Look at them." Song Qingyue pointed to Mo Yun, Mo Fan, and Mo Ping, "What do you two aunts think of me as first-class maids?"

The two aunts looked at the clothes on their bodies and the jewelry on their heads, and they looked more noble than those ladies from the country gentry's family!
Song Qingyue didn't wait for them to answer, then continued: "All of them can write and count. Even if someone is not interested in my job here, I know quite a few people in the capital. If someone is really smart and capable, which company The errands cannot be introduced by this concubine?"

It was really tempting to say this, and the two aunts were deeply attracted by the pie painted by Song Qingyue.

They also don't think about how in this world there will be people who spend money to train talents for others?Song Qingyue must keep it for herself.

But with her current status as a widow and Buddhist monk, that's all she can say.

"Okay, this matter, I have to trouble the two aunts to publicize it among the neighbors in the neighborhood after they go back. Children in other alleys can come here if they want. Reading and writing are good things. The more people who come to learn, the better!"

The two aunts were elated, "Shi Zifei, we have met a living Bodhisattva! This is really true! How embarrassing us!"

Song Qingyue didn't continue to speak polite words to them, but changed the subject very bluntly: "Let's talk about the loan... let's talk about borrowing money, everyone has thought about it?"

The two aunts were taken aback by her nonsense style of speaking, then Aunt Liu nodded hastily and said, "Think it over, think it over! My family wants to borrow three thousand Wen."

Aunt Wang said: "My family wants to borrow four thousand wen."

Song Qingyue nodded, motioned to Mo Yun on the side to make a record, and said, "Don't worry, come one by one. Aunt Liu, you come first. What are the names of Aunt Liu and the head of your family?"

Mo Yun quickly took out the form book that had been prepared, took out the ink-stained pen, and quickly began to record.

"I am the Liu family, my nickname is Ahua, and my family name is Guan Zhaoyun."

Mo Yun writes down "Guan Zhaoyun, Liu family".

"They're all from the capital?"

"Yes, yes! They are all from the capital city, and my mother's family is in Maple Leaf Hutong."

"Do you have any relatives elsewhere?"

Aunt Liu said: "I have a sister who married and went to Tianjin."

"Do you know her address?"

Hearing Shi Zifei's question, Aunt Liu was taken aback, Song Qingyue said: "Don't be afraid, Aunt Liu, because I don't ask for any collateral to lend you money, so ask more."

"Yes, yes, yes, yes." Aunt Liu nodded, her smile was not as bright as before, but more respectful.

So many questions made her realize that this imperial concubine is by no means just taking advantage of money, but someone who must not be deceived or take advantage of it.

Afterwards, Song Qingyue asked her in detail where the head of the household worked, how much she paid per month, whether she had bad habits such as drinking, gambling, and visiting brothels, how many children were there in the family, and how old they were...etc.

After a series of questions, she almost got a clear picture of her family's situation.

Finally, Song Qingyue asked again: "How much do you want to borrow, and how much do you plan to pay back every month?"

Aunt Liu then said: "Three thousand wen, we plan to pay back 250 wen every month. The head of the family wants to pay it back sooner."

Song Qingyue had just calculated her family's current situation based on her family's situation, and said: "Yes, it is possible, but if your two daughters-in-law have children, it will be a bit reluctant to pay 250 Wen a month. How about you Go back and discuss with the head of the family? Also, if the two daughters-in-law also want to come to read and write, we welcome them and take care of lunch."

Looking at Song Qingyue's beautiful face like a fairy, Aunt Liu no longer regarded her as a kind-hearted young lady who was ignorant of the world, but felt a trace of awe in her heart that she didn't realize.

"Aunt Liu, let's go back and discuss it carefully. If you don't repay the loan on time, you will be fined." Song Qingyue said seriously.

If you don't take an unsecured loan with such a low interest rate, you will definitely lose money.

She, Song Qingyue, was willing to do good deeds, but she was unwilling to trade at a loss.

Aunt Liu's fiery heart seemed to be poured with a basin of cold water, she nodded, and walked home while thinking about Song Qingyue's words.

Aunt Wang who was staying aside was frightened by Song Qingyue's posture just now, and her attitude was much more serious than before.

But this time it wasn't Song Qingyue who asked in person. With her demonstration just now, Mo Yun and Mo Hen immediately started to perform instead.

One question, one record.

Aunt Wang answered very seriously, and at the end she was a little uncertain and said: "We originally wanted to pay it off in one and a half years, but now it seems a bit too much. I also want to go back and discuss it with the head of the family and a few sons."

Song Qingyue nodded with a smile, and said, "Don't worry, let's discuss it carefully."

After the two aunts left, Song Qingyue said to Mo Yun and Mo Fan: "Go ahead and record the information, and then go to check the information with the neighbors in the neighborhood. If you find any deceitful or deceitful, no loans will be issued. The maximum amount Five thousand wen, no more will be borrowed. There are people in the family who are fond of wine and gambling, and they will not borrow it. If the household registration is not in the capital... the maximum amount is three thousand wen."

After she finished speaking, she thought about it again and said, "I've thought of so much for now, what do you guys think?"

A few Mos lowered their heads and thought carefully, Mo Yun said: "If you have a foreign household registration, but are you willing to provide collateral?"

Song Qingyue shook her head and said, "We don't do pawn shops here."

Mo Yun said: "But if you are a tenant with a household registration outside the capital, you probably have less savings on hand."

Song Qingyue said: "So you have to help calculate the turnover! If you are unable to repay the debt, you can't borrow it. Isn't that harmful to others? So, every time you lend out, I ask you to write your name .”

The faces of the girls immediately turned serious, which meant that they would be held accountable if they had something that was not paid!

Song Qingyue smiled: "You don't have to be too nervous. Bad debts are bound to happen. There are too many accidents in life, and it is inevitable that there will be times when they are not paid. But we must ensure that the bad debt rate does not exceed 5.00%. , After all, our interest rate is only [-]%. This is something I want to gradually expand in the future and stick to it. If you show sympathy so much that I don’t want to do it, it won’t be beautiful.”

Mo Yun looked like she wanted to say something, but she hesitated and didn't open her mouth immediately.

Song Qingyue immediately said: "Mo Yun, if you have any ideas, just say it."

Mo Yun said: "If someone wants to borrow money to buy medicine, what should we do? If her parents are dying of illness, should we borrow the money or not?"

Song Qingyue raised her eyebrows: "Good question." She stroked her chin and began to think.

It's not that she has never thought about medical insurance, but without strict terms, underwriting system and compensation system, the insurance will easily fail to maintain. At that time, it will take effort and money, things will not be done well, and the common people will be in vain. Spend money, a few ends will not fall.

In modern society, there are frequent problems with medical insurance, and the Great Zhou Dynasty, which is not perfect in all aspects of medicine, finance, and legal system, it is no wonder that there are no problems!

Not to mention medical insurance, medical expenses are a bottomless pit in modern times, not to mention that in ancient times, the price of many Chinese herbal medicines was actually very expensive. If you borrow it once, you will get a second one. The limit of five taels of silver may not work at all.

Thinking of this, she hardened her heart: "Medical loans will not be issued for the time being. Everyone, remember that although we have to be conscientious in doing things, but being conscientious does not mean that we have the obligation to be kind. If you want something, you can do it for a long time. Doing it on a large scale, not doing loss-making business is the bottom line! Therefore, we only issue housing loans now. But what Mo Yun said is indeed worth considering. Everyone should also think about what a good way is. Write a report if you think about it. I still have something to do, go out with Mr. Zeng, you have carefully handled the housing loan matter, let's think about other things, and take it step by step."

"Yes, princess, don't worry!"

Everyone said in unison.

(End of this chapter)