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

Chapter 453 Presale Tickets and Option Trading
It was a major event to divert the Yellow River ahead of time, and all the officials of the Ministry of Industry were called to the Palace of Qinzheng to participate in the discussion.

This matter is not only related to agricultural irrigation, but also related to all aspects of water transportation and so on.

How to change and where to change are big problems.

Li Zhao returned home very late, and saw that Song Qingyue hadn't fallen asleep, and picked up a needle and thread to make obscene trousers for herself after a long absence.

"Don't do it, it will hurt your eyes." He carried her to the bed and pressed her down.

The pink tide flooded Song Qingyue's cheeks, she panted, looked at Li Zhao with full eyes, and said softly: "I didn't have time to say yesterday, thank you husband."

Li Zhao chuckled lightly: "Thank you, it's you instead, because you have been wronged all these years for marrying me." He leaned over to kiss Song Qingyue's lips, feeling a little urgent.

Song Qingyue still wanted to talk to him, and pressed her hand against the man's chest: "I heard that Meng Shizi had two broken ribs in the imperial prison, and that the second master Ning was found guilty enough to beheaded, so Father is the only one who is so angry. I was thinking... Will I go too far this time? They just said a few words about me, and they didn't hurt me."

"Too much?" Li Zhao sneered, staring at Song Qingyue's seductive eyes, his heartbeat seemed to be out of control, he suddenly raised his hand and turned her over, leaned over and bit the back of her neck, He pressed her firmly from the back, and embedded her into the soft cushion on the bed, as if he wanted to embed her in his body.

"Yue'er, there is no such thing as excessive in this world, especially when dealing with your enemies. Either completely beat them to the ground so that he will not dare to provoke again, or you must always look down at them just because of that idea. Face, let them lead by the nose."

"If you call yourself sick tomorrow, don't go out, don't meet guests, don't see anyone, and don't be soft-hearted. Huh?"

"Yue'er, you are my wife, the mother of our son, and you will become the queen of the Great Zhou in the future. This king does not allow anyone to slander my princess so recklessly!"

……

The next day, Song Qingyue really began to claim that she was sick.

And Li Zhao's frame was stopped on the way to the Academy of Sciences.

"Your Highness, it's Fourth Master Ning." Lin Wanfu said.

Li Zhao didn't even show his face, just sat in the car and said, "Let Commander Ning go back, the king has a lot of things to do today, let's talk about it another day."

The frame started slowly.

Ning Yuan's voice came again from outside the car: "Your Highness! Cousin! Cousin! I beg you!"

It's a pity that Ningyuan's warmth card has no effect, and King Jin's frame doesn't mean to stop at all.

Ning Erye was stabbed to Shuntian Mansion for occupying the farmland of military households in Liaodong.Originally, the prefect of Shuntian Prefecture had already driven them away, and even informed the Ning family.

The old lady of the Ning family originally planned to send someone to intercept and kill him in the middle of the road, so as to avoid future troubles and preserve the reputation of her grandson, but for some reason, the news leaked out. The assassin was also arrested, and was directly stabbed by the censor to the Ministry of Punishment.

Half a month later, Lord Ning and the Uncle Ning family who were far away in Tainingwei were alarmed. Lord Ning was so anxious that the corners of his mouth frothed, and he had already submitted a memorial and planned to return to Beijing to plead guilty.

Of course the emperor can't allow it!

At this juncture, the frontline defender in the Northeast actually wants to return to Beijing to plead guilty, isn't it a joke?
However, he was angry, so he wrote a memorial to ask Lord Ning to stay in the Northeast and try to make amends.But as for Ning Er, a bastard, he still needs to be taught a lesson.The emperor said that he had to be imprisoned for at least half a year before this kid could have a long memory.

Madam Ning wanted to enter the palace to intercede, but was also rejected by the emperor, who ordered the old lady to spend her days at home in peace, in other words, she was not allowed to enter the palace.

As for the queen, the queen is the quietest one in the Ning family.

She has never been involved in this matter!She died wronged!
Now she can't wait to break off contact with her natal family, for fear that she and her good son will be implicated in her natal family's affairs.

As for the Meng family, the queen mother wanted to go to the emperor to make a fuss, so the emperor hid directly in the hot spring palace on the grounds of escaping the summer heat.

The Meng family has become more and more arrogant in the past year, and the emperor might not want to punish them.

A few days ago, weren’t they the corrupt officials who ran the shipyard? Many corrupt officials’ families couldn’t afford so much money for redemption. If so, the property can be returned to them.

But can this be done?If you pay back the money, the imperial court can't check whether your money came from the right way?

But how can Luzheng's money be so easy to earn?

In other words, the imperial court took over a batch of farmland in disguise.

The emperor did not plan to build Huangzhuang on these fields, because he read the accounts of Huangzhuang over the years and found that the production of Zhuangzi was very limited. In other words, the corruption in Huangzhuang was too serious, and the relationship inside was too complicated Well, it's been like this for decades, it's a bad debt, and if you want to check it, you have to implicate a large number of people like a shipyard.

The emperor is now troubled by the drought in Shanxi and has no time to deal with the corruption in Huangzhuang. He wants to let it go for a while and settle the score slowly later.

But the newly harvested land is determined not to build farms.

But these lands can't be left empty after they are collected!

The emperor didn't know what to do with the farms collected from these fines, so he asked the cabinet to formulate a solution.

This time Lu Laocifu was not ambiguous, and the emperor was quite satisfied with the solution to the emperor: the imperial court sold the land at the market price, but only to self-cultivators with less than [-] mu of land in their families. Of course, they were tenants on these farms You can buy it first, and if you don't have enough money on hand, you can also apply for a loan from the Royal Bank.

The loan repayment model refers to Zhaoyue Bank run by Song Qingyue, and you can formulate your own loan repayment plan.

As a result, there was a wave of panic buying in the entire Zhili area.

In order to buy more land, some nimble landlords did not hesitate to let some offshoot concubines go out to live alone early, or let their servants come out to buy land in their own names.

However, since the original tenants of these lands have the right of first refusal, the supply of land is even more in short supply.

As a result, the land price in the capital city boundary, which had been reduced due to the land tax, unexpectedly ushered in a wave of rise.

The emperor didn't want land prices to rise, and felt that this was not good for the people. Instead, it made it easier for the group of landlords who deliberately separated their offspring to take advantage of it.

So the emperor asked the cabinet to come up with ideas to prevent those big landlords from taking advantage.

But the old cabinet ministers really couldn't come up with an idea this time, and even Lu Lao Cifu only came up with a bad idea, saying that it was to send a censor to supervise and review the identity of the land buyer.

The emperor approved two words on Lu Lao Cifu's memorial: "Idiot!" Lu Lao Cifu was so ashamed that he sighed at home.

Knowing that her father was rejected by the emperor, Lu Wenyan went directly to the military camp to ask Song Erlang for advice, begging him to help her father.

Song Erlang told her to be calm and calm, he needed time to think about it, and then directly sent the news to Qiandi and his father.

The position of the cabinet is not ready to come back after giving up. If my father can figure out a solution to this matter, why must he turn a corner from Mr. Lu?
Song Erlang didn't rely on his father-in-law's family to gain a firm foothold in the court, so he really didn't have to hand over the credit to his father-in-law for such a thing.

Li Zhao received Song Erlang's reminder, so he went to the palace to give advice to his father. If the cabinet can't solve the problem, he should turn to his father-in-law Song Jianming!

Mr. Song is in charge of civil affairs.

What good idea was there that he couldn't come up with?
The emperor naturally knew that it would be easiest to ask Song Jianming for advice, but his son had just suppressed the Meng family and the Ning family, so he didn't want to give Song Jianming too many opportunities to make contributions.

So in the end Li Zhao first asked Song Jianming about this matter, and then Li Zhao personally wrote a note to his father in his own name.

Speaking of which, this idea is quite immoral, probably only Song Jianming can think of it, and even Song Qingyue may not be able to think of it—one, prohibiting slaves from buying land, and two, here comes the important point: from the top to bottom of the imperial court, spread some things like Qintian Jian is a rumor that there will be a drought in the north this year, and the Tartars are already stationing troops in the south.

In fact, these news are not completely rumors, it is possible to a large extent.

The rich families have more or less relations with the government, and they are always better informed than those self-cultivating farmers.

After these people get the news, they may give up buying land when the land price is high, but wait for the drought to come, or when the Tartars invade the land and the land price drops wildly.

Not to mention, the effect of this trick is surprisingly good. Yu Weiliang was ordered to inspect the Zhili area several times and found that there were very few concubines who deliberately separated from big families to buy land. He only occasionally met a few small landlords. Separated.

This kind of rich family has less than [-] mu of land, but if there are more children in the family, it is not too rich to share a cent.

Time soon came to July.

The Qixi chess competition is in full swing, and the number of applicants has doubled compared to the first time!
And Song Qingyue got several sponsors as she wished, such as tea merchants from Fujian and Guangdong, wine merchants from Shanxi and Jiangxi, and a large textile factory in Jiangnan also contributed summer clothes for all servants on Jinwangfu East Road this year.

However, these sponsorships were not obtained through open competition, but came to Song Qingyue through the relationship of those aunts of the Song family.

Merchants in the south want to come to the north to do business and introduce competition. This is a good thing. Song Qingyue doesn't mind helping them match up and open up the market.

After the chess game, it will be the math competition on July [-]!
There are as many as 5 people who signed up this year!

Many of them are talents from all over the world who have been hindered in their careers.

The Gongyuan was not enough. Apart from the Hot Spring Villa, the Imperial Academy, the Academy of Sciences, and even Liuquanju, where the chess match had been held, had also been requisitioned and turned into sub-examination rooms.

The rent of houses in the capital skyrocketed, and the price of goods also rose accordingly.

For example, the duck oil biscuits opposite Zhaoyue Primary School used to cost three pieces of ten copper coins, but now they have become two pieces of ten copper coins; A box of 50.00 words; as for the price of meat, rice, and vegetable oil, the price has risen even more outrageously, some of which have increased by as much as [-]%!
The people in the capital had a lot of grievances because of the math competition, and by the way they scolded His Royal Highness Li Zhaolai who advocated this matter.

Mo Yun and Mo Xiang were worried when they heard these rumors, so they came to Qiandi to tell Song Qingyue: Now His Highness's popularity among the people in the capital is plummeting!He also said that His Highness helped the empress carry this bad name, and I don't know if he will be angry.

Song Qingyue wouldn't feel sorry for Li Zhao, he earned his reputation back then, how could he be wronged when it was his turn?

Song Qingyue laughed rather gloatingly: "It's only temporary, just wait until the math competition is over."

After all, she asked Bai Momo to give Mo Yun and Mo Xiang some of the pre-sale coupons that the noble ladies in the capital had given her when they came to visit her, so that they would not feel wronged, and they could buy some for the bank. Employees eat it as a "company benefit".

Pre-sale tickets are popular in the capital now!

Not only pastry shops offer pre-sale coupons, but rice shops, oil shops, and vegetable butcher shops also offer pre-sale coupons.

For sellers, it is convenient to give gifts and can be exchanged at any time; for sellers, it can expand their cash flow.

If the merchants do not indiscriminately print pre-sale coupons, it can be said that this is a win-win situation.

But now that prices have risen, people who bought pre-sale tickets before will earn money!
For example, Liuquanju's eight-treasure pastry collection box is now [-] Wen a box, and the people who bought the pre-sale coupons at [-] Wen a box before will earn it!
There are even buying and selling transactions of pre-sale tickets in the market.

For example, Liuquanju’s pre-sale coupons for Babao cakes can be sold at a price of 350 coins, so that the person who buys the tickets can earn [-] coins.

Even Song Qingyue herself didn't expect that the pre-sale coupons created by her father would develop into the most primitive option trading in such a short period of time.

Mo Yun and Mo Xiang who got those pre-sale coupons were also very happy, and asked Song Qingyue to ask for some, saying that they were going to be used by Principal Niu and the lady Chang of the Nursing Home. Now that the price of goods has risen, the pressure on both sides is relative Also bigger, with these pre-sale coupons, at least these two months, the children's food standards will not drop too much.

But now there is another problem that is causing headaches for the two of them, and they urgently need the guidance of the princess.

Mo Yun complained: "Madam, you can help us think of a way! Originally, we thought that we could expand the scale of Zhaoyue Bank by taking advantage of this wave of court release, but you see, the business is all taken by the Royal Bank. Robbed!"

Song Qingyue raised her eyebrows: "The loan interest of our two families is the same."

Mo Yun said indignantly: "But the imperial court is the imperial court! It is a bank opened with the money bag of the Long Live God. Let's compare? Ordinary people are more willing to go to the Royal Bank."

"This is indeed..." Song Qingyue thought for an afternoon, and finally gave Mo Yun and Mo Xiangzhi a trick to change the frequency of loan repayment.

"Farming in the north yields one crop a year, so for those self-cultivated farmers who buy land with loans and urban residents who buy houses with loans in cities, for those farmers, paying once a year or twice a year is better than paying it every month. The pressure to pay back the money is less. The time to pay back the money can be set after the autumn harvest. The interest is still the same as before. If the repayment period is three years, the annual interest rate is 5.00%, and if it is paid off in five years, the annual interest rate is Six percent, if you choose to repay over eight years, the annual interest rate is eight percent. One more thing, in case of drought or flood disaster, they are allowed to apply for deferred repayment.”

Mo Yun and Mo Xiang's implementation was very fast. Before August came, Zhaoyue Bank's special "land loan" plan was released. Coupled with the hard publicity of the folks near Xianyuezhuang, many Royal Banks were robbed at once. business.

Shen Xin, who was in charge of the Royal Bank, was an extremely capable guy. As soon as Zhaoyue Bank's new policy was released, they got the news.

But whether it is possible to directly copy Zhaoyue Bank's new policies, Shen Xin has doubts.

Zhaoyue Bank was founded by the concubine, and he was afraid that copying someone else's idea so quickly would make that empress unhappy. Moreover, Zhaoyue Bank was not only owned by the concubine, but also by the concubine. Is it His Majesty's?It's okay to offend the concubine and empress, but it's really troublesome to offend His Royal Highness!
So he went to ask His Highness first, and wanted to ask His Highness what to do about this matter.

Li Zhao also couldn't make up his mind, Zhaoyue Bank had nothing to do with him, it was all decided by the little fairy at home, what if it really made her unhappy?

After Li Zhao returned home at night, he asked Song Qingyue about the "land loan" of Zhaoyue Bank, but he didn't directly ask Song Qingyue if the Royal Bank could copy the new policy, but asked first. He was a little curious What happened: "If the annual repayment interest rate is the same as the monthly repayment interest rate, according to our current calculation, the actual interest rate has become lower. Are you doing this on purpose?"

Song Qingyue gave Li Zhao a white look, thinking how this man is so smart!
No one has questioned the calculation method of the interest rate so far. When did he know it?

"Not bad, you know it!"

"So you did it on purpose this time? But those farmers who secretly lowered the interest rate may not understand Yue'er's kindness."

Song Qingyue chuckled, and poked Li Zhao's chest muscles: "So, you just don't care about things. Calculate the money once a month, and calculate the money once a year. How much less work can be done? My Zhaoyue Bank is not It's richer than the Royal Bank, and can spend money to support so many people who don't do anything.

I count every penny here!The daily workload is assessed, and a user calculates the accounts once a year, which means that a lot of labor costs can be saved.

Besides, for those farmers, does it take no time or cost to go to the city?Where is it as convenient as a city dweller! "

Li Zhao nodded with a smile: "Young lady is wise!" The topic changed, "Shen Xin asked me today if the Royal Bank could copy this new plan."

Song Qingyue glanced at him, rolled her eyeballs, and stretched out three white and thin fingers: "Three months, copy after three months."

Li Zhao chuckled, grabbed the little goblin's hand, opened his mouth and bit the onion-like fingertips: "Of order, ma'am."

(End of this chapter)