"My lord Cao Cao now has only 20,000 soldiers and 50,000 civilians, so he is unable to compete with General Liu. Yizhou's strength has accounted for nine of the world's, and no prince in the world can rival General Liu. However, my lord Cao Cao has been kind to me.

, I cannot abandon it!" Guo Jia saluted Liu Xin again.

"Cao Cao's power is not enough for you to show your strength, and he is by no means a loyal member of the Han Dynasty. Staying in Sizhou will only bury your talents. Now that the opportunity is in front of you, are you willing to die so young with your talents?

Liu Xin said calmly after hearing this.

He asked Huang Xu to accompany Guo Jia for two months. In fact, he didn't think there was much need for Guo Jia's talent Liu Xin. As long as Yizhou follows the current pace, it is inevitable for Liu Xin to occupy the world and establish a new dynasty.

, let alone Guo Jia, even if Xun Yu, Zhuge Liang, Xu You, Tian Feng, Pang Tong, and Zhou Yu were all given to him, it would not have much impact on his future.

Liu Xin values ​​Guo Jia so much mainly because he doesn't want to see Guo Jia die early. Now he would rather continue to return to Cao Cao without treatment, which shows his loyalty to Cao Cao.

"Well, if you have time, you can go to Mianhu Iron Fort and see the blast furnaces and trains there. You will find that your persistence is very meaningless.

Okay, that's it for today. The five hundred thousand you borrowed from Yizhou was borrowed in your name. I will definitely ask you for money in the future. You go down!" Liu Xin waved to Guo Jia.

Guo Jia knew that Liu Xin valued him, otherwise he would not have let Huang Xu accompany him for such a long time. He let him see so many secrets of Yizhou just to recruit him, but now the two sides drove him away when they met each other.

Guo Jia stood up, saluted Liu Xin and left. Huang Xu watched Guo Jia leave and looked at Liu Xin.

"Guo Jia can't leave. He has seen the prosperity and power of Yizhou. What can he do if he returns to Cao Cao? Nothing in Yizhou is easy to learn. He is loyal to Cao Cao, so let him think about it for a few more years.

Time." Liu Xin was not worried at all because of Guo Jia's departure. He and Huang Xu continued to drink tea. After a while, he heard the guard announce that Zhang Yun was here.

Zhang Yun opened the Jingzhou Chamber of Commerce office in Ruixian County, which Liu Xin naturally knew. From Liu Biao's actions, Liu Xin already understood Liu Biao's attitude. He would have to use himself against the Jingzhou family. Only after solving the money and food problem could Liu Biao truly

Take control of Jingzhou.

"Zhang Yun has met General Liu!" Zhang Yun met Liu Xin again and found that he was no different from three years ago. In the past few years, Jingzhou has undergone many changes because of Yizhou. Now the more he understands Yizhou, the more he understands

Understanding Liu Xin's strength, Zhang Yun respected Liu Xin even more.

"You look a lot more mature than you did three years ago. What does Liu Biao have to do when you come to my prefect's house this time?" Liu Xin pointed to the seat next to him where Guo Jiagang had just left and motioned for Zhang Yun to sit down.

Zhang Yun and Liu Xin saluted, sat down, took out a letter from his arms and handed it to Liu Xin.

"General Liu, the last time my lord Liu Jingsheng led his army into Zhijiang County, he was deceived by a traitor and occupied the general's merchant ship.

Now I have persuaded my lord to return the general's 17 merchant ships, and I, Jingzhou, will provide another thirty warships as compensation. I hope that the two sides can have more exchanges and trade in the future." Zhang Yun said to Liu Xin.

Liu Biao returned the merchant ships and also sent warships over, which meant that they had recognized that the three northwest counties of Jingzhou were owned by Liu Xin. Liu Biao's advantage was only in the navy. Now that he returned the merchant ships, he meant that he would no longer restrict Liu Xin.

With the development of Xin Shui's army, he is basically surrendering to Liu Xin.

"Liu Jingsheng made the right choice. The Jingzhou Chamber of Commerce will definitely make the people of Jingzhou richer and richer. If you don't know what you can sell from Jingzhou to Yizhou, you can discuss it with the state pastoral office. Shouyu... leave this matter to you

You!" Liu Xin looked at Huang Xu and said to him.

"In order to increase the trade between Yizhou and Jingzhou, our lord Liu Jingsheng hopes to use Yizhou's Han Yuan banknotes as the currency for transactions between the two parties. However, our gold and silver in Jingzhou are scarce and it is difficult to exchange too much at Yizhou Bank to meet the needs of the people of Jingzhou.

.

Therefore, my lord Liu Jingsheng hopes to obtain a loan from Yizhou to enable the people of Jingzhou to complete the transition from five baht coins to Han Yuan banknotes." Zhang Yun said to Liu Xin.

"You want to borrow money? How much do you plan to borrow?" Liu Xin asked Zhang Yun.

"Ten million! My Lord hopes that the interest can be less than one cent per year. We in Jingzhou need to build an official road from south to north so that caravans can circulate better in Jingzhou. In addition, next year Jingzhou will encourage people to build more water conservancy projects

, a variety of mulberry and silkworm rearing.

In order to make the trade between Jingzhou and Yizhou continue for a long time, our Lord plans to lend money to the people to buy mulberry saplings next year." Zhang Yun increased his expectations five times, and then he was ready to bargain.

"Ten million? This is not a small amount. You must want to use the money to overhaul water conservancy and official roads!

I, Yizhou, have steel and cement and the official road built is very smooth. I can sell part of the cement and steel to you to build the road, but this road construction work must be done by the Yizhou Chamber of Commerce!

If Jingzhou wants to use Han Yuan banknotes, it must establish a bank. I will give some low-interest loans to the people of Jingzhou. Excluding road construction and loans to these people, I will give you another two million loans. This is basically enough for you. Within ten years

If you pay off all the loans, the mortgage will be the entire Jingzhou!" Liu Xin said.

"Thank you, General Liu! Is this loan calculated based on now or the loan period?" Zhang Yun nodded after hearing this. This was much better than he imagined. Liu Xin not only agreed to build cement roads in Jingzhou, but also

The project loan has not yet been launched. If there is no time limit, he is willing to let Yizhou complete all the roads in Jingzhou.

"Three years! From next year, all official water conservancy construction projects in Jingzhou will receive one-cent interest from Shu County Bank loans within three years. The loan must be repaid within ten years. One year's interest must be paid off every year in the twelfth lunar month." Liu Xin thought.

He thought about it and replied.

Most of the money used to build official roads will go back to the bank in the end. The closer the exchanges between Jingzhou and Yizhou, the more inseparable they are from Yizhou. Yizhou has mastered the most advanced technology of this era.

Even if Liu Biao had to study Yizhou for ten years, he would not be able to learn anything about it. After all the people in Jingzhou use Han Yuan banknotes, Yizhou's influence in Jingzhou will become greater and greater, and the Jingzhou people who come to Yizhou will

more and more.

If Liu Biao wants to retain those common people and aristocratic families, he must improve social welfare benefits. This is another difficult battle. The key reason why Liu Biao is willing to start trade with Liu Xin is to get rid of the control of the aristocratic family groups. How could he reuse the aristocratic families?
Chapter completed!