Putting aside the reason for Liu Zheng's surrender, from the day he joined the army, Liu Zheng had always been thinking about surpassing his senior brother Li Beiyang in a water battle. This deep-rooted idea resurfaced at this moment. Hearing suddenly Kublai Khan personally promised to fully support him in building a navy. Liu Zheng was so excited that he almost regarded Kublai Khan as Bole for a moment: "Don't worry, Khan, I will work hard and live up to the trust of the Khan."
Kublai Khan smiled: "Okay, I am waiting for Liu Aiqing's good news. My dear friends, you no longer need to doubt the importance of the navy. The reason why the Southern Dynasty was able to withstand several attacks from our country was One of the important reasons why it still survives is the strength of its navy,"
All the generals said in unison: "Yes, Great Khan,"
From then on, Liu Zheng had no second thoughts about Kublai Khan and worked hard to build warships and train navy for Mongolia.
"After talking about the cavalry and navy, Ben Khan will talk about his vision for the changes in the organization of our army." Kublai Khan pointed to the map on the wall and said, "Our army is divided into central guard troops and local guards. There are two parts of the garrison force. Among them, the Suwei Army is composed of the Guards' Army and the Qixue Army. It is responsible for guarding the important areas of Gyeonggi including Xanadu and Dadu. This point remains unchanged. Of course, the Khan will make other arrangements during the war. , this Khan planned to expand the Qixue Army to 30,000 people, still under the command of General Boyan. The Guards and Guards Army was renamed the Left and Right Guards Guards, and the number was expanded to 50,000, led by Dong Wenbing and Zhang Rou respectively. Under the command of the general, the local garrison troops currently total 300,000 people and are distributed throughout our country. In order to strengthen the combat effectiveness and cooperative combat capabilities of the army, in addition to leaving some soldiers to guard various places, the Khan initially plans to divide the garrison troops into East, West, and Middle 3rd Road,"
"East, West, and Central armies," everyone said to themselves.
Kublai Khan continued: "The number of the army in the middle route is about 150,000, and it is commanded by two beloved ministers, A Shu and Shi Tianze. The camp is located in the area from Luoyang to Dengzhou and Tangzhou (now Nanyang) in Henan Province. The east route The number of the army is set at 80,000, commanded by Zong Wang Hedan and Zhang Hongfan and Zhang Aiqing. The camp is located in the area from Jinan Prefecture in Shandong Province to Tai'an Prefecture. The establishment of the West Route Army is 70,000, led by Atahai and Ali Hague. Under the command of Aiqing, the camp was located from Xuzhou to Dali in Sichuan, which was the planned Yunnan Province area. The three-way town garrison was under the unified command of A Shu and Zhao Bi, and was controlled by the Privy Council. In addition, the naval camp The Khan plans to locate the site in Ninghai Prefecture (near present-day Yantai and Weihai) on the eastern coast of Shandong Province. Liu Aiqing, you can go and conduct an on-the-spot investigation."
"Yes, Khan,"
"The Great Khan divided the garrison into three groups. Judging from their respective camps, it is obvious that they were targeting Sichuan, Xiangfan, and the Lianghuai War Zone in the Southern Dynasties. Could it be that the Great Khan wanted to advance together and adopt a multi-pronged attack?" Everyone heard After finishing, I thought in unison.
Zhang Hongfan was young and energetic and asked: "What the Great Khan means is that the three armies will attack the Southern Dynasty together."
Kublai Khan shook his head and said: "Maybe it's not three roads but four roads."
Zhang Rou looked at Liu Zheng, and with a thought in her mind, she said: "Great Khan, could it be that the Navy is also on the same journey?"
Kublai Khan smiled and said: "Zhang Aiqing, how to conquer the Southern Dynasty in the end has not yet been decided. This matter will be discussed in the future."
"Yes, Great Khan," Zhang Judao said, "Great Khan, after the concentration of garrison troops from various places, the remaining guard forces in various places will inevitably be greatly weakened. The current situation in some areas is currently unstable. Is it necessary to expand the army?"
"Necessary. This Khan has also thought about this carefully. After the three armies are concentrated, this Khan plans to set up Wanhufu in each province, and each locality will recruit local people to enrich the auxiliary army and cooperate with the remaining garrison troops.
, gradually set up local troops to station troops and guard at the same time."
Zhang Rou thought for a moment and then said: "Yes, Khan, this method is feasible."
"Since the return of the emperor's army, all the logistics and other chores have been handed over to the emperor and Zhenjin. Today's meeting will only discuss the improvement of front-end military affairs. My dear friends, do you have any ideas or suggestions for me?
If you have different opinions on the idea just mentioned, please feel free to put it forward."
On the tenth day of the first lunar month of the second year of Xianchun, it was the first court meeting after the long Spring Festival holiday.
I sat on the golden steps of the Daqing Hall and said loudly: "Dear dear friends, before the court meeting begins, I will tell you some good news. According to the latest statistics from the Ministry of Household Affairs, the total income of our court last year increased compared with the previous year.
Nearly doubled. Whether it is commerce, agriculture, handicrafts or export trade, the tax revenue of all industries has made great progress, and the development trend is becoming more and more benign. The growth rate of our population has finally declined after several consecutive years.
There was an increase last year, although many of them were from northern China
Due to the arrival of the Fang Han people, the overall situation has become an upward trend, and there have been great improvements in other aspects. I will not describe them one by one here. These improvements are all due to the efforts of all my dear friends. I hope that everyone will continue to work hard this year.
,keep going
The strong fighting spirit of the year is to achieve the set goals of various industries and departments such as doubling tax revenue this year. Dear friends, the abundance of the national treasury and the growth of the people are the foundation for the stability of our country and the basic guarantee for the future Northern Expedition. In this regard, I am deeply grateful.
Feeling relieved,”
"Congratulations to your majesty, congratulations to your majesty,"
"Haha, congratulations, congratulations, dear friends, since I came to the throne, I have been facing the strong enemy of Mongolia externally and the economic recession internally. Therefore, I have always been trembling with fear and did not dare to relax in the slightest, for fear of betraying the trust of the late emperor and the common people.
I hope that for more than a year, good things will happen in both the government and the public
Working together, our country has taken the first step towards resurgence. However, Mongolia has not been destroyed, and our country still needs to work hard. Today is the first day of government affairs. From today to the fifteenth day, I want everyone to make adjustments.
mood and mentality, and welcome the New Year’s affairs with full enthusiasm,”
"Yes, Your Majesty, I obey your order,"
"Today's meeting of the DPRK will focus on two things. First, I plan to build a batch of welfare houses this year to provide them to officials in Lin'an who do not have housing. Of course, these welfare houses are not provided free of charge. You can choose to rent or buy them.
In this way, the rent will be much lower than the market rent, and for buyers, a mortgage can be used, guaranteed by the bank, and the buyer can pay in batches every month."
Ruan Dengbing hesitated for a moment and said: "Your Majesty, what is a mortgage?"
The word "mortgage" originally originated from Western countries. It originally meant a legal relationship in the Anglo-American equity law system. It was introduced into the domestic real estate market from Hong Kong at the end of the twentieth century.
“Dear dear friends, I know that everyone doesn’t understand very well,” I said with a smile, “This is also a way I came up with during the Chinese New Year. Simply put, a mortgage is for those who currently cannot afford to buy a house but want to buy a house.
It is a way of advance consumption for people, and it is closely related to banks. Let me give you an example to explain. For example, the price of a house is
A certain official currently only has 500 guans of Huaxia coins, so he cannot buy them. However, this official's monthly salary is 200 guans. In addition to the daily expenses of 100 guans per month, he can have a surplus of 100 guans per month.
If the mortgage is approved, then under normal circumstances, he can buy this house after five months. If he follows the mortgage, he can buy this house now,"
Ruan Dengbing asked: "Your Majesty, how can he buy it? He still only has 500 coins."
"Yes, he does only have 500 yuan at the moment. This is the mortgage function related to Yinzhuang. First, Yinzhuang, as a guarantor, advances the full amount of the house to the house owner. The buyer pays the house owner or After paying Yinzhuang 500 guan, he can obtain the house from the owner and have the right to use it, but the ownership of the house belongs to Yinzhuang. After that, the buyer pays Yinzhuang 100 guan per month. After five months, the accumulated After paying 500 yuan, the bank transfers the ownership of the house to the buyer. Among them, Ruan Aiqing will definitely think about how the bank can make a profit. This requires the buyer to pay additional interest in addition to the house payment. That is to say , the buyer should pay a principal of one hundred dollars and the corresponding interest every month,"
Ruan Dengbing said: "Your Majesty, I roughly understand that this has many similarities with mortgage."
"Exactly, compared to the capital, the additional interest is very low. As long as the buyer is a little frugal, it can be saved. In this way, the original owner, the banker and the buyer will all be happy,"
"Your Majesty, does the first payment of the house have to be 50%, and how should the interest be determined?"
"Ruan Aiqing, the specific details are formulated by your bank. Not every buyer has 50% of the purchase price in advance. I think you can consider it based on the buyer's salary, credit, age, etc. As for the interest, it can be determined with reference to the bank’s deposit and loan interest rates and the length of the buyer’s mortgage period.”
Ruan Dengbing nodded and said: "Your Majesty, what if the buyer doesn't pay back when it's due?"
"Then the bank can repossess the house according to the agreement between the two parties. As a bank, it is not without risks. If the housing price drops when the house is repossessed, it will bear the risk of falling prices. Therefore, risks and benefits coexist. For this welfare For the time being, the Royal Bank of the Song Dynasty will exclusively try out the mortgage of the house. If this method is feasible, I will promote it among the private sector. At the same time, I will also ask the Department of Law to draft relevant laws to ensure that the owner, the bank, and the purchaser interests of all three parties,"
"Yes, Your Majesty,"
"Also, this time I mentioned that the price of the welfare housing provided to officials in the DPRK and China will be lower than the market price, and all the interest will be borne by the court. This can be regarded as a benefit from me to you,"
"With a mortgage, I can also buy a house,"
"According to His Majesty, I will soon have a new house to live in, and as long as I work hard for a few years, the house will be my own," many young and middle-aged officials who have no houses are thinking in their minds.
"Mortgage, advance consumption, how did Zhao Fu come up with this?" Jia Sidao raised his head slightly and subconsciously looked at the golden steps.