When they heard that it was a feasible plan, not only Yu Hai, but also Duan Zicheng and Peng Wenchang opened their eyes wide.
In fact, Qi Yu's idea is not a brilliant plan, it is just a common logic from his previous life.
In my impression, there were many countries and regions in the previous life that had a general criterion for judging the level of housing prices. That is, the unit price should not be higher than twice the "per capita income" of ordinary people. If it exceeds the price, the price is inflated.
It is too high, or it is called a bubble.
What is the logic of this?
for example:
Taking a normal family as an example, during the process of paying for a house, part of the income of one person in the couple can be used to pay the mortgage, while the income of the other person is used for daily expenses. This kind of healthy family expenditure will not
Crush the house provider and crush him.
Qi Yu feels that this idea is very realistic and worth learning from.
The specific measures are that there is no lower limit on the minimum price of the house. Businessmen will not choose to sell at a loss anyway, but the upper limit of the price must be strictly marked, and it is never allowed to exceed it by a little, otherwise they will be punished with death.
With such rigid conditions, even if you give housing prices a pair of Kunpeng wings, it will not be able to fly into the sky.
Someone may have said, if the supply of houses is small and there are many people buying houses, resulting in a shortage of houses, how can the prices not rise?
You said the demand is high?
That’s not simple. Wouldn’t it be solved by increasing the land supply?
To put it bluntly, the most worthless and capitalless thing is this land. A small area can be enough to house thousands of people.
So, will housing prices in Qiongzhou never rise in the future?
Rise! Of course it will rise!
However, this matter has to be decided by the people's pockets. When their wages rise, won't the price limit multiplied by two rise accordingly?
Oh, this is such an increase method...
After hearing this, Yu Hai smacked his lips and said: "This idea has a good starting point and takes into account the feelings of the people. I had heard rumors before that Mr. Qi advocated people-oriented governance. Looking at it now, this statement is indeed true.
ah!"
Qi Yu waved his hands indifferently, and then said with a serious face: "Mencius said: The people are the most valuable, the country is the second most important, and the king is the least important. Since you and I are in charge of the place, we must think about doing something practical for the people.
.Perhaps, a hundred years from now, you and I will be the ones enshrined in the City God’s Temple dedicated to the chief shepherd.”
Peng Wenchang was in awe when he heard the words, and sang a poem "Lime Song" to praise: "Thousands of hammers carved out the deep mountains, and the fire burned them as if it were nothing. I am not afraid of my bones being broken into pieces, I want to leave my innocence in the world."
But Duan Zicheng smiled and said nothing. He felt that a hundred years was too unreliable, how could the day and night in front of him be realistic?
After the few people talked to each other about ideological and moral construction for a while, they slowly got involved in the real estate issue just now.
"Sir Qi, what exactly does that mortgage you mentioned just now mean? Could it be that you want ordinary people to go to banks to borrow money?" Yu Hai thought for a while and said.
"No! It's not borrowing money from the bank!" Qi Yu shook his head repeatedly and denied it.
If that’s not a bank, what could it be?
The three commanders looked at each other and shook their heads, showing confusion.
Qi Yu chuckled and said, "I'm telling you, stop guessing. You really can't guess this thing."
"Oh? Then please let me know clearly!"
"Well, come on, let's take a look here..."
"..."
I saw Qi Yu taking out the pen he carried with him from his arms, and then wrote the following four characters on the rice paper on the table.
——Qiongzhou Bank.
The word "Qiongzhou" is easy to understand, but what does the word "bank" mean?
In this regard, Qi Yu explained: "A bank is different from a money bank. It can not only issue currency, but also support multiple functions such as storage, credit, and market regulation. Now that I have obtained the autonomy of Qiongzhou as I wished, I have to let go."
, release all the ideals and ambitions in your heart.”
"What? Issue currency?"
"It's not illegal, so why not?"
According to the system of this dynasty, local provincial governments have the right to mint coins. According to Qi Yu's understanding, this right to issue currency is naturally included in it.
When it comes to minting coins, people everywhere are very excited about it, and their enthusiasm is almost overwhelming.
oh?
Why is this?
You don’t know, but there are some big and shady interests involved in this.
——Fire consumption.
The so-called fire consumption refers to the theoretical consumption incurred by the local provincial government in the process of melting and recasting the broken silver collected by the local provincial government. However, there is no so-called fixed number for this thing, that is to say, it can be large or small, or it can be
More or less. As a result, it gradually evolved into an important means for local officials to make money.
The issuance of banknotes not only completely solves this hidden worry, but also facilitates market liquidity. It can be said to kill two birds with one stone.
Taking this opportunity, Qi Yu introduced some functions of the bank, such as storage, credit, market control, etc. As for the mortgage that Yu Hai just asked about, it is a common form of loan.
Although Qi Yu had tried his best to explain it in detail, the three commanders still heard it in confusion, knowing it but not knowing why.
As the saying goes, Rome was not built in a day. In the same way, knowledge is not accumulated in a day.
Take your time, I believe that over time, they will accept and understand this new thing.
After understanding what a mortgage was, the three managers became interested in the new type of 'paper money' proposed by Qi Yu.
The history of circulating banknotes can be roughly traced back to the "Jiaozi" in the Song Dynasty. However, that currency was later overprinted and issued indiscriminately, causing its purchasing power to plummet, and it was finally forced to withdraw from the stage of history.
It is for this reason that banknotes are labeled as deceptive.
Ordinary people think that the so-called paper money is just a piece of ordinary white paper with a stamp on it. How can it be as reliable as real money?
After Yu Hai made some understanding, he asked: "Master Qi, how do you plan to issue this kind of banknotes?"
Qi Yu replied without hesitation: "After our bank in Qiongzhou is officially established, I will call on the people in the area to come and exchange the gold, silver and copper in their hands."
"Is this your method? Haha, it definitely won't work!"
Seeing Mr. Qi's face full of astonishment, Yu Hai hurriedly explained: "Banknotes are different from banknotes and banknotes. They can be exchanged in equal amounts. If they are circulated, they will directly replace the original gold and silver. You let the people use them for their entire lives."
If you exchange your savings for banknotes, they will think that you used a piece of paper to defraud them of their wealth. Therefore, they will never cooperate. As for the businessmen in the market, you don’t have to think about it. They are all very calculating.
How can you be willing to take out the essence of trading?"
Qi Yu said confidently: "It doesn't matter, when the time comes, I will have a way to convince them."
"Wonderful method? What wonderful method?"
"Haha, this matter will be kept secret for now."
Huh? Telling the truth?
All right!
Although the three commanders were a little disappointed, they had no choice but to hold back their curiosity and shut up. The boss didn't want to talk, so how could he have the nerve to ask more questions?
After discussing all the political affairs, Qi Yu told Yu Hai: "Master Yu, I want to build a large teaching college near Qiongzhou New City. Please help me select the site."
"What is the purpose of building a new college?"
"Don't ask, you will know later"
"All right!"
…
After the discussion was over, Qi Yu left the provincial government office and returned to his home.
At this time, the moon was already hanging on the branches, the bright stars were twinkling, and the smoke from the kitchens was rising.
When Mrs. Zhou saw her son returning, she immediately ordered the meal to be served.
"Well, this is the taste of first-class champion chicken!"
"It seems there is also pork head meat?"
"..."
The dinner was enjoyable and the whole family had a great time.
The two children were very tired after not seeing their father for a long time. They all gathered around him and kept asking questions. Qi Yu couldn't answer it, so he simply recounted the trip to the north directly to satisfy their strong curiosity.
After that, Qi Xiao also told Meng Jiming's instructions before leaving, which was about the appearance of the consort named Wei Zeng.
"Is there anything else?"
"Yes, father!"
If a certain consort accidentally wandered here, it would not be a big surprise. However, this person has some relationship with Yue Sixian, so it is worth paying attention to.
Forget it, after you are done with this period of work, go and check him out seriously.
After dinner, Qi Yu took a cup of tea, sat on the rocking chair outside the verandah and read the newspaper.
Suddenly!
A very eye-catching piece of news came into view.
The outline of the matter is this.
It is said that in the recent period, Yin Tao has led her team to work day and night to overcome difficulties and successfully developed a variety of animal-powered machinery. For example, corn flour grinding machines, feed synthesis machines, large pulley cranes, etc.
The uses cover almost every aspect of life.
Especially the sudden advent of the steam engine directly brought her to a high position on the altar.
Ordinary people would never dream that there is a vehicle in the world that can move on its own without manpower or animal power. It can be said that the appearance of this thing has directly subverted the cognition of most people.
At this time, Yin Tao could be said to have stolen the limelight and was praised to the heavens by the world.
After Sun Bao heard about it, he seemed to be unable to sit still. The more he thought about it, the more uncomfortable he felt, so he published an article in the "Qiongzhou Xundao" to criticize: This woman is not good at moral articles, but only likes these strange and obscene techniques.
, It’s really useless to be a teacher!
Yin Tao's reply was only one sentence, and it also quoted a line from "Li Sao": The women were jealous of Yu and frowned, and rumors spread that Yu was good at lewdness.
Seeing this, Qi Yu couldn't help but scratch his head and thought to himself: Could it be that the two of them don't get along? Otherwise, why are they always fighting?
Or is it that it is difficult for advanced science and traditional culture to be compatible?