The Pinglu Yangtze River warship arrived on the Changshu River. Li Guodong took Han Dashan and more than 100 Yebubu off the boat and took a small boat to the shore.

Li Guodong went to find Shui Tailiang again. To be honest, he still likes people like Shui Tailiang. Some of the so-called iron-clad guys in the Donglin Party are not easy to deal with, especially the status of a military general like Li Guodong is even more unwilling tolerated by those people. On the contrary, Shui Tailiang is greedy for life and fear of death, and will do things that are beneficial. Shui Tailiang can take Fusong, the son of the pirate leader Zheng Zhilong, as a student, which shows that Shui Tailiang's attitude towards military people. As long as he can get benefits, no matter what kind of martial artist, Shui Tailiang will interact with him.

The Jiangnan Gentlemen Group has close ties with maritime merchants. Just look at the goods produced by the Jiangnan Gentlemen Group. They actually do not produce grain, cotton, silk, tea and porcelain, and these goods are exchanged for white silver through maritime trade.

When Western colonists colonized America, the silver dug out with great difficulty was earned by the Jiangnan gentry group.

Every year in the Ming Dynasty, a large amount of silver flowed from Japan and America, but these silver were collected by gentry at home and in cellars, and there was still very little silver circulating on the market.

On the one hand, the emperor and the peasants had no money, and on the other hand, the gentry, the royal family and nobles were so much money that they were rotten at home. They held countless silver in their hands. Apart from putting it at home, they really couldn't imagine what the money had. By the way, there was another purpose, which was that after the Qing army went to Jiangnan, they confiscated all the gentry's families. In the end, the Qing court was spared, providing enough military expenditure for the Qing army, and finally destroyed the Southern Ming Dynasty.

More than a year has passed since I came to Jiangnan last time. This time I went to the manor where the water was too cold, and found that the farm had become a new type of farm according to its own design plan. The ponds, rice fields, mulberry forests and tea forests were distributed intertwined. Ducks and geese swim in the ponds, rows of pigpens on the shore. The lower places were full of rice, ridges, pigpens and fish ponds, and fruit trees and tea trees were planted in the higher places. They were completely based on the three-dimensional farm design of later generations. The rivers, ditches, dams and flood storage areas were all built.

The town where the water is too cold has completely turned into an industrial town. The water wheels driven by the water flow have driven the work of various textile machines in the town. You can hear the sound of textiles in the factory from afar.

Upon learning that Li Guodong came to Xipu, Luyuan, Changshu, Shui Tailiang hurriedly left the manor himself and greeted him with a group of servants outside the manor.

"I am very honored to visit my humble house today! I saved the silk in advance last year, and how many people in Jiangnan were saved! I thanked my uncle for the people in Jiangnan." Shui Tailiang saw Li Guodong coming, and immediately greeted him and bowed.

"Mr. Qian is such a great gift, how can I afford it for me?" Li Guodong quickly replied.

The water was too cold and bowed again: "The farm that Boye helped me rebuilt not only allowed me to escape the flood last year, but also doubled the farm income last year! There are also the textile factory built by Boye to me, which has a lot of income. The farms in Jiangnan also followed suit last year, so the water disaster will be at its lowest level, and the people in Jiangnan all thanked him."

Li Guodong bowed and said, "I am a minister of the Ming Dynasty. It is my duty to rescue the people in the country. Mr. Qian praised it."

"Master, please come in and ask." Shui Tailiang warmly greeted Li Guodong into the mansion.

Li Guodong ordered Han Dashan and others to wait outside the town, and followed Shui Tailiang into Qian Mansion.

After the host and the guest was sitting down, the water was too cold to ask about his well-being, and in his words, he once again expressed his gratitude to Li Guodong.

"Mr. Qian, I have another way here, which can make the gentry in Jiangnan earn more money. I wonder if Mr. Qian is interested?" Li Guodong asked tentatively.

Shui Tailiang immediately became interested: he stroked his beard and smiled, "Since I was forced to resign and return to my hometown, I was no longer in politics. I just wanted to earn more money and make my family and descendants live better. Who else in the world would think that there is too much money in this world? Hahaha! What are the good ways for my uncle? Come and listen quickly."

Li Guodong had already made sufficient preparations in advance, and had already investigated the scale, distribution location and operating status of the money house in Jiangnan, and had already prepared his own plan. He heard that Shui Tailiang was interested in silver, so Li Guodong came up with a plan: "Mr. Qian, the methods mentioned by me, are all written on it."

Shui Tailiang quickly took the plan and opened it. After only looking at the first page, he smiled disdainfully: "Brother, isn't this just opening a money house? There are so many money houses in Jiangnan. If we open it again, how many people will come to us? The business of the money house was pulled away by people who opened it earlier. We only opened it at this time. It is not our turn to have a business."

Li Guodong smiled and said, "Mr. Qian, the money shop opened by the younger generation is a new type of money shop. When customers come to the money shop to store silver, we not only do not charge them for storage fees, but we also have to pay interest to customers."

"What?" Shui Tailiang's eyes widened, "The money house in turn pays interest to customers? Isn't this a loss-making business? They deposit the money in our money house in exchange for tickets, and they can exchange money for money in other places. Not only do we not charge them money, but we also have to give them interest. So what do the people in our money house use to support them?"

Li Guodong smiled and said, "Mr. Qian, please let me know after reading it."

Water was too cold to continue reading. When I saw it halfway, I suddenly realized: "High! It's indeed high! I attract others to deposit the money into our money house by paying interest; and our money house makes money by lending money, and the interest rate of the loans released is much lower than that of the people who make money, and there is a mortgage to apply for the loan. Once the deadline is not paid, the fine is calculated first, and then the mortgaged property is further confiscated. Selling the mortgage can bring back our capital. But there are still some problems. I am afraid that it is impossible to guarantee that all the money we release will be recovered, right?"

"So, the value of the mortgaged property must be far more than the loan we release. The mortgaged property is generally land, houses, heirlooms, etc. The customer is unwilling to sell it, but he urgently needs money, so he will mortgage it to us. If the principal and interest cannot be returned, the mortgaged property will be sold at a discount. Naturally, we also need to hire a group of people who control risks to be responsible for valuing the mortgaged property and estimating the property and funds of the borrower to decide whether the loan can be released."

"It seems feasible to operate like this. But I am the only one who is the two of us, plus Jiandou, and the sum of the money of the three of us may not be able to open a money house, right?"

"Only the three of us are definitely not enough. We can attract more people to invest together. Anyway, Jiangnan is rich in the world, and many people have their money in their homes. They are buried in the cellar. Those silver is wasted in vain. If the silver is not circulated in the world, money will die. If it can be circulated, the money will live and money can make money. If the money shop is opened in the future and has enough strength, we can issue small amounts of silver notes. Small amounts of silver notes can be directly used as silver and copper coins. At that time, wouldn't we be able to print paper notes by ourselves?"

Li Guodong's last sentence: You can print paper money by yourself in the future, which makes Mizutaro feel that his future is promising. What is the concept of printing paper money by yourself? That's how much money you want, and starting the printing machine will come like running water.

"But if this paper banknote is printed indiscriminately, it will be the same as the Ming Dynasty treasure banknotes back then, and it will be completely waste paper." Shui Tailiang said.

Li Guodong smiled and said, "This method is actually very easy to solve. We can print as much money as our money shop has, and promise customers that as long as we have the money shop, we can come to the money shop to exchange real money and silver at any time."
Chapter completed!