Shanzhou is adjacent to Liangzhou, just south of Liangzhou.
In Shanzhou, the Huangshui River flows through it, carving out a valley bottom with a pleasant climate.
Sun Daiwang was riding on his horse, overlooking the Huangzhong City at the bottom of the Hehuang Valley.
The player Sun Daiwang is a player. He is Jiang Lun's younger brother. Jiang Lun exchanged his game qualifications for him to enter the game.
Sun Daiwang started his career as a tax collector in the Salt and Iron Taxation Department, and he perfected the current market monopoly system in Longyou.
However, this time Sun Daiwang resigned from his position as an official in the Salt and Iron Taxation Department, and changed his job to "Banker" under the "Businessman" career branch.
He brought people to Huangzhong City to prepare for the establishment of a Wangfu Bank branch.
Sun Daiwang looked at Huangzhong City in the distance and felt very excited.
This time when he came to open a branch in Huangzhong, Sun Daiwang recruited players in Shazhou, but only a few people were willing to come.
Sun Daiwang had no choice but to hire several accountants with high salaries from the aborigines and follow him to Shanzhou.
Zhang Qi is also one of the players who came to Shanzhou with Sun Daiwang, and is the vice president appointed by Sun Daiwang.
It's just that the Huangzhong branch, which is under construction, has less than twenty people in total.
Zhang Qi asked: "Boss, the administrative seat of Shanzhou is Xining, right? Why should we go to Huangzhong?"
Sun Daiwang said: "Xiping is the administrative seat of Shanzhou, but it is not the richest place in Shanzhou. Huangzhong is the granary of Shanzhou and has the most acres. If we want to open Wangfu Bank to issue young crop loans, we must start from Huangzhong."
"That's it! Boss is so wise!"
"Stop talking nonsense, hurry up and urge everyone to enter Huangzhong as soon as possible!"
After a day's trek, the group finally arrived in Huangzhong.
Huangzhong City has a long history. Looking at the ancient city walls, Sun Daiwang said:
"The city of Huangzhong was built in the Han Dynasty. The Hehuang Valley is one of the most fertile areas in the entire northwest and the birthplace of the Qiang people."
Zhang Qi asked: "Qiang people? Are they the Qiang people in the mountains around Wuwei?"
Sun Daiwang said: "These are the Qiang people. The birthplace of the Qiang people is the Hehuang Valley, which is the area in front of us."
"The Qiang people were very powerful during the Han Dynasty. They established the Ding Ling Kingdom, attacked the Eastern Han Dynasty many times, and even looted the imperial tombs of the Eastern Han Dynasty."
Zhang Qi said: "So fierce? Now what?"
Sun Daiwang said: "Now the Qiang people in Hehuang are attached to the Tang Dynasty, but they are controlled by the Qiang commanders and obey the management of the Qiang captains."
Sun Daiwang and Zhang Qi slowly led the caravan into Huangzhong City. The inner city of this city is very narrow and looks more like a military fortress.
The Hehuang Valley has always been an area fought over by the Tang Dynasty and Tibet, and it was also the front line for the Tang Dynasty to resist Tibet.
When Huangzhong City was first built, it was built by the Han Dynasty to suppress the Qiang people.
Therefore, the function of this city is a military fortress, with tall and towering walls and a narrow interior.
Sun Daiwang asked his clerks to rent the shop and make preparations for opening the shop. Then he took the invitation from King Jianning and headed to the county government in Huangzhong.
There are three counties in Shanzhou: Huangzhong, Shancheng and Longzhi.
Huangzhong is also the most prosperous county town in Shanzhou except Xiping City. The current county magistrate is named Guo Yingwei. He was born in the Guo family of Taiyuan and is the nephew of Guo Zhiyun, the governor of Longyou during the Kaiyuan period.
After sending a greeting note from King Jianning, Guo Yingwei immediately met with Sun Daiwang.
Guo Yingwei came from a wealthy family, and Guo Zhijie was a famous general during the Kaiyuan period. When he was in charge of Longyou, he defeated the Tubos many times and was powerful in Longyou.
Guo Yingwei joined the army with Guo Zhiyun since he was a child and hated the Tubo people very much.
News of Wuwei's great victory reached Shanzhou, and Guo Yingwei held a banquet at the county government office for three days.
After hearing that Sun Daiwang was sent by King Jianning, Guo Yingwei immediately summoned him to his back house and asked him about the specific process of the Hexi War.
When he heard that Tubo East Dao was talking about Shang Qixin'er's death in the Battle of Hexi, Guo Yingwei said loudly:
"Okay! Okay! King Jianning uses his troops like a god! God has blessed me, the Tang Dynasty!"
After saying this, Guo Yingwei picked up a pot of Shazhou Shao, drank it happily, and said to Sun Daiwang:
"His Highness sent you to Shanzhou to set up a bank?"
It was normal for the dignitaries of the Tang Dynasty to send their servants to do business.
When the current emperor was still the prince, he also sent people to do business in the capital.
It was not surprising that King Jianning was doing business, but Guo Yingwei had never heard of what kind of business this bank was.
Sun Daiwang immediately said: "Your Majesty, Your Highness asked us to open a bank in Huangzhong to issue green crop loans to the people."
"Young Miao Loan?"
After Sun Daiwang told Guo Yingwei about Qingmiao Loan, Guo Yingwei frowned and said:
"Lending money to the people to buy young crops? The people in Huangzhong are already suffering a lot, does King Jianning still want to lend money?"
Guo Yingwei thought Qingmiao Loan was the same as the usurious loans granted by landlords and monks, so he frowned and said.
He had already said it very politely. If it were not for King Jianning, Guo Yingwei might have kicked Sun Daiwang out.
Guo Yingwei has an upright temperament, otherwise he would not have been the magistrate of a small Zhongxian County at the age of forty.
When he was in charge of Huangzhong, he restrained the powerful and rescued the people, and was a good official supported by the people.
Sun Daiwang immediately said: "The county magistrate has misunderstood. Our bank does not lend usury, but low-interest loans."
"Low interest rate?"
After hearing about Sun Daiwang's interest rate, Guo Yingwei said: "With such a low interest rate, doesn't His Highness lose money?"
Sun Daiwang said: "His Royal Highness said that the purpose of opening Wangfu Bank is not to make money, but to benefit the people."
"Nowadays, many royal banks have been opened in Longyou, all of which provide low-interest young crops loans to the people. If the county magistrate is worried, you can send someone to inquire."
Now Guo Yingwei felt relieved, and he admired King Jianning even more.
"Your Highness is benevolent. In this case, I must agree to establish this bank, but..."
Sun Daiwang immediately asked: "What's the matter with the county magistrate?"
Guo Yingwei said: "If you lend money to Han people, there will be no problem, but those Qiang people in Huangzhong should be careful when lending money."
"Aren't the Qiang people also people of the Tang Dynasty? Why is that so?"
The Qiang people in Hexi are almost the same as the Han people. The Qiang people in Hexi and Longyoudong Road have completely integrated into the Han people. Zheng He's ranches employed a large number of Qiang people.
There are also a lot of Qiang people doing business. In the area ruled by King Jianning, Qiang people with clean wealth can also be granted land like Han people.
The distinction between Han and Qiang has become very thin, and intermarriage between Han and Qiang is also very common.
Guo Yingwei sighed and said: "The Qiang people in Shanzhou are different from the Qiang people in Hexi."
"The Qiang people in Shanzhou all live together and are led by powerful Qiang commanders."
"These powerful Qiang commanders are tribal leaders. They are all officials who protect the Qiang. The local government has no control over them."
"The Qiang people live together, and internal disputes are handled by the Qiang people. Many Qiang people can only speak Qiang and not Chinese, and they often conflict with the Han people in Huangzhong."
"If you want to lend money to the Qiang people, you must be careful."
Sun Daiwang said with some confusion: "Why is this happening? The Qiang people in Hexi are no different from the Han people."
Guo Yingwei sighed and said: "I also heard my uncle say this. This is the emperor's order."
Guo Yingwei's uncle was Guo Zhijie. Guo Zhijie almost dominated the military affairs of Longyou during the Kaiyuan period. Shanzhou was also transformed from Jizhou to a prefecture and county during his tenure. He also founded the Heyuan Army that currently assists Shanzhou.
Guo Zhijie can be said to be the first contributor to Shanzhou's inclusion in the Tang Dynasty.
Sun Daiwang immediately pricked up his ears and listened to the sermon.
Guo Yingwei said: "My uncle once wrote to the court, requesting that the Qiang people be dispersed and given land, and managed in the same way as the Han people. However, the prime minister at the time, Li Linfu, said that the Qiang people were warlike and could serve as a vassal for the Tang Dynasty."
"In order to prevent the Qiang people from becoming warlike because of the land grant, Li Linfu suggested to the emperor not to break up the Qiang tribes, but to still let the Qiang marshals manage them."
"He also granted land to the powerful Qiang commanders and allowed them to settle in Hehuang. Once there was a war, these Qiang people would be recruited to fight."
"Over the years, the Qiang people contributed a lot of soldiers to the Tang Dynasty, but the Qiang people's powerful commanders also became powerful and gradually disobeyed the government's management."
"Today's Qiang-protecting captains like to accept bribes from these Qiang commanders. These Qiang commanders are becoming increasingly powerful and sometimes rob Han people. Now the Han-Qiang conflict in Shanzhou is very serious."
Guo Yingwei frowned. The Qiang Haoshuai system was also established by his uncle, although it was under the orders of the imperial court at that time.
But now the land of Hehuang is declining day by day because of the Qiang people's heroic system, and Guo Yingwei is also worried about it.
Sun Daiwang also did not expect that the situation in Shanzhou would be so complicated.
Only now did he really understand how complicated the internal conflicts of a large empire were.
In Shanzhou alone, the problems encountered are completely different from those in Hexi.
Sun Daiwang immediately toasted to Guo Yingwei and said, "Thank you so much for the county sir's reminder. We will pay attention when issuing the youth loan."
Not long after, a strange-looking store opened in Huangzhong County.
The door of this store is covered with iron sheets, and an iron cage is used to create a counter in the entire store.
A flag like a copper coin was raised at the door of the shop, and a plaque with the words "Wangfu Bank" was hung on the door.
The people in Huangzhong City are all discussing what this store does.
The guys from Wangfu Bank started running around the countryside in Huangzhong County. Only then did everyone know what this bank was doing.
Zhang Qi was mainly responsible for business in the city. Seeing Sun Daiwang running to the countryside every day, he asked doubtfully:
"Sun Da, why do you go to the countryside every day? The autumn harvest is about to begin, and people don't want to borrow green crops, right?"
Sun Daiwang smiled and said: "They don't need to borrow Qingmiao Loan, but we can lend them other things."
"Borrow something else?"
Sun Daiwang said: "The reason why banks are financial centers is because the banking industry can control all parts of the industry."
"The autumn harvest is coming soon, but it is also the time for soybean sowing. We can lend soybean seeds to the people and buy soybeans when the soybeans are harvested. Soybeans in Hexi are very valuable now!"