"I see!"
On the school field, Sun Zhiping was suddenly stunned when he heard this: "If the fighting training of the soldiers of Yizi Camp on weekdays is just for show, then in tomorrow's fighting competition, their results will definitely not be as good as our Ezi Camp!"
Li Zexuan smiled and nodded, saying: "This is why I always ask the soldiers to conduct daily drills with a combat mentality! They are all my good sons and daughters of the Tang Dynasty. I would rather they get injured during training. I don’t want them to die on the battlefield!
In addition, even if the soldiers of the Yizi battalion work as hard as the soldiers of our battalion in daily combat training, they are still no match for the soldiers of our battalion! Because they only learned half of the new training method, they only learned the frivolous fighting training, and they never did basic auxiliary training such as push-ups and pull-ups!
For those who practice martial arts, if they don't have strong arm strength and physical strength, how can they defeat opponents of similar level? That’s why I just said that Yiziying learned our training methods and only learned the form, but not the essence.
And because their blind learning disrupted their original training rhythm, it is very likely that their original advantages in traditional military formations will gradually disappear! For us, this is good news! "
After listening to Li Zexuan's analysis, Sun Zhiping suddenly became more confident about tomorrow's fighting competition and the military competition in three days. He smiled and said: "It's true what I said when I joined the army! In the past few days, I will be watching the end of the world." Soldiers, I urge you to complete all training tasks with quality and quantity!"
Li Zexuan nodded in approval and said: "I can rest assured that you are here at Wuzi Camp! But I have to tell you something. The soldiers have indeed been training very hard in recent days, and you and I can see this. !
But just looking at it is not enough. As the saying goes, merit should be rewarded and deeds should be punished. Although it is just training and not on the battlefield, those soldiers who train hard and have outstanding training results should still be given appropriate rewards. Otherwise, as time goes by, the soldiers are likely to lose the motivation to train hard! "
Sun Zhiping frowned and said with some confusion: "According to the intention of joining the army, how should I reward him?"
He is only the captain of Wuziying, not the general of the Xuanjia Army. Regarding the rewards for the soldiers, he does not have much say in this aspect, so he can only ask Li Zexuan for advice!
Li Zexuan thought for a moment, then said: "It's better to do this. In the next few days, Zhiping, please pay careful attention to those soldiers who have trained extremely hard. I want you to select a group of those who have excellent training and outstanding abilities, and record them all in the book." .
If he is an ordinary sergeant, he can be promoted to the deputy general of the first team; if he is already the fire chief of the team, he can be promoted to the deputy general of the first battalion appropriately!
These selected soldiers lead the training of the brothers in the battalion in peacetime, but in wartime, I need them to form a special operations commando team. I want them to go out on the battlefield to prey on the enemy's most elites. , the most "hard-to-gnaw" power! "
"Special Forces Commando!"
From Li Zexuan's mouth, he suddenly heard a new word. Sun Zhiping was stunned at first. After savoring it for a long time, he roughly understood what Li Zexuan's so-called special operations commando was. After a moment of silence, Sun Zhiping He cupped his fists and said solemnly: "General, I will obey your order!"
"In addition, I also plan to add a training item... That's all, let's wait until after the big competition with Yizi Camp!"
Li Zexuan suddenly thought of something, but after hesitating for a moment, he still didn't say it immediately.
"yes!"
Sun Zhiping's heart was moved, but he didn't ask anything.
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Although Yanhuang Bank originated in Lantian County, it was later "nationalized" and became an economic department under the name of the Tang Dynasty. Yanhuang Bank was affiliated to the Ministry of Household Affairs, and its headquarters was also established in Chang'an. City, the Yanhuang Bank branches in various states and counties in the Tang Dynasty must obey the management and supervision of the Yanhuang Bank headquarters.
Since Yanhuang Bank was a new thing, and most of the officials from the Ministry of Revenue had outdated ideas, it was inevitable that Yanhuang Bank was "ruined". In the day-to-day management of the bank, Li Zexuan did not let officials from the Ministry of Revenue get involved. They are people who have been tested by him and whom he thinks are of great use!
The most important person among them is the current actual manager of Yanhuang Bank - King of Shu Li Ke. He is also the only person in the Tang Dynasty who has the true inheritance of Li Zexuan in terms of economy!
At this time, Li Ke was reviewing official documents at the headquarters of Yanhuang Bank. Hearing that Magistrate He came to pay a visit, Li Ke met the latter in the side hall.
"...Using the name and credit of the Lantian County government and the mountain chief as a guarantee for a loan of 50,000 yuan with a term of two years? Magistrate He, is this what the mountain chief means~?"
After hearing the purpose of Magistrate He's visit, he couldn't help but feel a little surprised.
Because as far as he knew, Lantian County had just borrowed several thousand guan from Yanhuang Bank not long ago, and at yesterday's fund-raising meeting, the Lantian County government also donated 10,000 guan. It didn't look like it was short of money, so why did it suddenly come here? Borrowed money? And if you borrow it, it’s 50,000 yuan!
County Magistrate He said with a serious face: "Your Highness is joking! If it wasn't the intention of the Marquis, how could I dare to come here? This is the instruction conveyed by the Marquis to the county government through the telegraph machine. Please take a look at it!"
While talking, Magistrate He took out a folded letter from his sleeve and handed it to Li Ke.
Li Ke came over and took it with both hands.
"Order, the Lantian County Government borrows 50,000 guan in full compliance with... The loan period is two years... to be used for infrastructure renovation, city expansion, and wire laying in Lantian County... until the city's reconstruction is completed and the business environment is greatly improved. At that time...it's only 50,000 yuan, and it will definitely be repaid in less than two years!"
After opening the letter and reading the contents clearly, Li Ke roughly understood the reasons why Magistrate He came to borrow money. A look of contemplation appeared on his face.
"In the past, the mountain chief and I said that if everyone hid their money in their own homes, then the money would always be just money. But if the money was deposited in a bank, the bank would use the money to help businessmen expand their business. At scale, that one amount of money can easily turn into two amounts of money, or even more!
Therefore, since the establishment of Yanhuang Bank, the bank has lent money to countless merchants who are in urgent need of cash flow, as well as bankers who want to do business but do not have much capital. The reason why Lantian County's business can prosper so quickly is inseparable from the efforts of Yanhuang Bank over the past six months!
But I didn’t expect that I could lend money to the county government so that the county government could improve the city’s environment and further attract merchants and people to move in, thereby increasing the county government’s tax revenue! This method of making money from money is really clever, and it can benefit more people! The mountain leader is still as amazing and talented as ever! "
After a moment of silence, Li Ke suddenly sighed with emotion.
Perhaps at first, he did doubt the authenticity of County Magistrate He's words, but now after reading the content of this telegram, Li Ke suddenly had no doubts in his heart at all, because this kind of method uses money to make money with the county government as the main body. Apart from Li Zexuan, probably no one can come up with this idea.
Hearing Li Ke's emotion, County Magistrate He secretly breathed a sigh of relief, and then looked at Li Ke eagerly.
If Li Ke does not agree to lend him the money, he will not be completely relieved. Besides, even if Li Ke agrees to lend him the money, the interest rate of the loan is still a problem.
In short, Magistrate He wanted to borrow this money from Li Ke at the lowest interest rate.
"Okay! I agree to lend this money to the Lantian County Government!"
Under the gaze of Magistrate He, Li Ke finally nodded, and then he changed the subject and said: "Although you are here in the name of the mountain chief, this matter must be handled in an official manner, and I must pay tribute to those who have deposited their money in Yanhuang." The thousands of people in the bank are responsible!
Since this loan was borrowed in the name of the Lantian County government and the mountain chief, then later on, the county magistrate, you must sign the bank's loan document, and the same is true for the mountain chief!
However, now that the mountain commander is in the military camp and it is inconvenient to come out, you can take the loan document to the Marquis Mansion. The master will review it in detail and then sign it on behalf of the mountain commander, and stamp it with the mountain commander’s personal seal. Only in this way will the king ask someone to give it to you. Disburse the loan! "
Although they are all old acquaintances, Li Ke always adheres to a business-like attitude, which is what Li Zexuan has repeatedly told him before! Because banks involve huge money circulation every day, if those in power cannot be selfless, money and power corruption will definitely breed. Once bad debts occur, they are irresponsible to thousands of "depositors" and will seriously damage Yanhuang. The credibility of the bank!
Hearing this, County Magistrate He nodded repeatedly and said: "What Your Highness said is absolutely true. You don't need to tell me that I will also perform the corresponding procedures in accordance with the rules and regulations of Yanhuang Bank! It's just... I'm sorry to ask you boldly, but these 50,000 guan" How should the interest rate be calculated?”
Hearing this question, Li Ke couldn't help frowning and said: "No one has ever borrowed so much money from a bank before and for such a long time. As the chief official of a county, you, County Magistrate He, should also know that this money The longer the loan period is, the greater the risk will be for the bank, so the loan interest rate cannot be the ordinary interest rate!"
Borrowing money in ancient times was not like modern people borrowing money from banks. A loan lasted for one, three, or five years. For example, a mortgage lasted longer, twenty or thirty years. There was no complete society in ancient times. In the credit reporting system, private lenders generally lend money to others on a monthly basis. As for the interest rate, it is also calculated on a monthly basis!
Before the emergence of Yanhuang Bank, the big private loan lenders in the Tang Dynasty generally had a monthly interest rate of more than ten percent. Ten percent was considered a conscience. Calculated based on the monthly interest rate of ten percent, the annual interest rate was one hundred percent. More than one hundred!
However, Yanhuang Bank is not so "black-hearted", and the annual interest rate here is only 8%!
When County Magistrate He heard this, he secretly tightened his heart, but he still looked as usual and said: "What your Highness said is absolutely true. I will understand these truths! But please rest assured, Your Highness, judging from the current development momentum of Lantian County, there will definitely be developments in the future." I can repay this 50,000 yuan loan!"
Li Ke nodded and said: "This loan is guaranteed by the mountain chief, so I am relieved! Not only am I relieved, I believe that the thousands of depositors of the bank are also relieved! Otherwise, I will not agree to this loan... In this way, How about calculating the interest on the 50,000 yuan that the bank lent to the Lantian County government at an annual interest rate of 10%?"
With Li Zexuan's outstanding personal ability and strong assets, he can be regarded as a "high-quality customer" of Yanhuang Bank in any case. Li Ke's offer of an annual interest rate of 10% is not considered power-seeking.
Hearing this, County Magistrate He said with joy on his face: "I would like to thank Your Highness on behalf of the people of Lantian County!"
The annual interest rate of 10%, although the rate is higher than the ordinary loan interest rate, is already much better than County Magistrate He's expectations!
Li Ke smiled slightly and said: "I am just doing business, you don't need to thank me! I will ask someone to draw up a loan document for you right now!"
For the Lantian County government, this loan was a timely gift, but for Li Ke, it was also a bold attempt to lend money to the local government to develop people's livelihood!
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