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Chapter 162 Young Money

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    Regarding the matter of Qingmiaocang, Song Zhiyuan persuaded Zhao Ran not to worry about it, but Zhao Ran had his own ideas. He also estimated that this matter might not be easy to deal with, so he was mentally prepared.  However, he still wanted to try to intervene. After all, if this matter was completed, it would be a great merit involving tens of thousands of farmers in the county, and it would help a lot in the cultivation process.

    Zhao Ran said that I didn¡¯t mean anything else, I just wanted to know the beginning and end of the Qingmiao warehouse. After all, I have seen many poor people these days. They all turned to loan sharks because they couldn¡¯t borrow Qingmiao money. In short, the situation was quite the same.  awful.

    Song Zhiyuan said that the things involved are very complicated and there are many disadvantages. Of course, if you want to know, junior brother, I can also tell you about it.

    About fifty years ago, in the last years of Emperor Xianzong¡¯s reign, the Ming Dynasty was plagued by natural disasters, with floods and earthquakes occurring one after another, resulting in people¡¯s homes being destroyed and displaced, and their fields abandoned and uncultivated.  In order to restore production, Lushan General View reached an agreement with the emperor and the cabinet to set up green crop warehouses in various governments across the country to lend money specifically for the people to purchase green crop seeds, farm tools and other items. Generally, the debt period was three years and the interest was 4%.

    Such interest rates are considered extremely low. If farmers work hard, they can easily pay off their debts in three years.

    The Qingmiao warehouse was jointly established by each prefecture's Taoist palace and government yamen. Each contributed half of the capital, and the profits were rolled into the principal and continued to be used for lending. Each county government agency and the government yamen reviewed and approved it, and the Taoist palace and Taoist yuan supervised it.  .

    ????????????????????????????????????: Qingmiao Qian did play an important role in restoring farming, it laid the foundation for the subsequent ZTE.  But like all dynasties, any good governance will lose its shape in the later stages, and it will be very different from the original design. By the Jiajing period now, the situation is even more unbearable.

    To give a simple example, when a household goes to the county government to apply for a loan of young crops money, the government office will report the application to the government office, which will review and approve it and send the money to the county government office.  There are no problems with this process, and it does not take much time in total. It can usually be completed within seven days.

    Then, what happens next is different.  After the county government gets the money, it will use various excuses to delay the payment until the farm family cannot survive and has to borrow money from a large family at high interest rates.  When borrowing, the farmer needs to put down two pledges - one of the IOUs says the interest is 4 cents. Then the big household takes this IOU with the interest of 4 cents to the county government, and the county government collects the farmer's money.  IOU receipt, and then hand over the young money to the big business owner.

    When the loan period expires, the big family will take away the mortgaged fields and houses from the farmers, and then go to the Yamen to pay back the money for the young crops, and the 4% interest will be paid into the green crop warehouse, and the excess interest will belong to the Yamen.  After the county government receives the money, it notarizes the land title deed, and the procedure is complete.  The big households got the land and the Yamen collected the interest, and everyone was happy.

    The process is not complicated. What Song Zhiyuan said is complicated actually means that the parties who obtain the benefits are very complicated.  The big households get a share, the county government gets a share, the subordinate officials in charge get a share, and the government offices also get a share.  As for the Taoist Academy, Song Zhiyuan said hehehe, and Zhao Ran nodded in understanding.

    Zhao Ran sighed, is this still young money?  The answer is no. Qingmiao Qian actually became a loan shark bank jointly run by Taoist sects and the government. Its loan targets were large households in various places. The big households relied on Qingmiao Qian's loans to annex the land of farmers.  Thinking more deeply, Zhao Ran suddenly realized that in fact, these large households did not need to borrow money from the government. What they needed was the legal process of land annexation, and for the government and Taoism to benefit equally.

    Zhao Ran asked Song Zhiyuan sadly, how much money does our Taoist family still lack?

    Song Zhiyuan was silent for a moment, and then told Zhao Ran that this had become a common practice. For examplefor example, the twenty-tael annual tribute that Zhao Zhiran received at the end of last year was sent by the Guyang County Government. Well, this year  If you are promoted to the head of the party, the annual tribute should be fifty taels.  Now Zhao Ran does not have fifty taels of silver, but other people are not as rich as him, so this amount of money should be a lot.

    Zhao Ran had a severe headache. He suddenly remembered the charity fund he had set up and couldn't help sweating: "Brother from the prison, but the charity fund set up by the junior brother will offend everyone?"

    Song Zhiyuan smiled and said: "That's not entirely true. How much money do you have to put it in? The thousand taels you take out are probably just a drop in the bucket"

    Zhao Ran thought to himself, it¡¯s really not a drop in the bucket, at least there is no problem in transferring all the loan shark¡¯s claims in Guyang County.  The reason why he previously claimed that it was a thousand taels was actually just to keep his wealth secret. According to his actual plan, if this matter was more beneficial to cultivating his merit power, not to mention a thousand taels, he would be willing to put in tens of thousands of taels.  cast.

    Seeing that Zhao Ran was hesitant, Song Zhiyuan was surprised: "Junior Brother Zhao, aren't you going to do something big?"

    Zhao Ran bit the bullet and tried: "Brother from the prison, if I get money, for example, 10,000 taels or 20,000, I can do it"Will this charity offend everyone?  "

    Song Zhiran was stunned and asked in disbelief: "Ten thousand taels? Junior brother Zhao, where did you get so much money?" Then he suddenly realized: "Could it be that the place of the pavilion is dissatisfied with Qingmiaocang?"

    Zhao Ran said vaguely: "Junior brother, I really feel sorry for the poor people, so I have this plan. I want to borrow money from a few friends in the Guange place to raise this charity fund. It is not the Guange place.  What's the dissatisfaction of Qingmiaocang - they are busy practicing all day long, and they don't have time to care about such mundane things."

    Song Zhiyuan was relieved: "That's right" Then he sighed and said: "Junior brother and the immortal masters in the palace are really destined to have such a large amount of money coming in and out"

    "Brother, do you think I can do this?"

    "Junior Brother Zhao, if you want to do some good deeds personally, this charity money is a good way. However, it is better not to make it big. Just help a few households every year and pass on your kindness. You are so kind.  If the charity money becomes bigger, the big gentry will not be able to get the land, and the yamen will not be able to receive interest. Not to mention that the government and the big gentry will regard you as an enemy, and even our brothers and sisters in Wujiyuan, I am afraid that you  It¡¯s not easy to explain either.¡±

    "Butbrother, once this land annexation becomes a trend, farmers will have no land to cultivate, and the world will be in chaos sooner or later."

    "Junior brother, don't talk about you. Even my senior brother, Wujiyuan Supervisor, seems to be a figure in Guyang County, but looking at the world, how can I be qualified to talk about the general trend of the world? If you have such leisure, read a few more Taoist scriptures and teach more  Wouldn't it be better to be a common person? Junior Brother Zhao, senior brother, I don't treat you as an outsider, so I say these words with all my heart. You must be careful. If you are not careful, your reputation will be ruined! "

    Song Zhiyuan's words were quite serious. He really regarded Zhao Ran as one of his own, and Zhao Ran did feel his kindness.  However, when he thought about the huge temptation of doing good deeds for the farmers in Hexian County and how high his merits could be, he couldn't help but want to persevere.

    After thinking carefully for a moment, Zhao Ran came up with a compromise.  If he continues to set up charity funds in the original way, he will offend all the powerful people in Guyang County. Not only will things not be done, but his own safety may also be in question.  In this case, it would be better to distinguish enemies from friends and minimize your own resistance. Maybe the difficulty of this matter will be reduced?

    In the project of Qingmiaoqian - let's call it a "project", there are three parties with vested interests, namely, Taoist priests in Taoist temples, officials in the government, and local wealthy gentry, while those who are exploited are self-cultivated farmers.  If Zhao Ran wants to change this situation, it will inevitably affect the interests of some people. The question now is, who should he treat as a friend and who as an enemy?

    Zhao Ran just thought for a moment and came up with an idea.  The Taoist Academy must not be harmed, and the government cannot be offended for the time being. Then the only ones left will be the wealthy gentry.

    Actually speaking seriously, the rich and powerful gentry have a deep or shallow connection with the government and Taoism. It is impossible to distinguish them so clearly, but at least in terms of superficial level division, they are different from the government and Taoism.  Zhao Ran couldn't think of a way to make the wealthy gentry and the peasants win-win for the time being, so he was very sorry and had no choice but to offend them.

    When Song Zhiyuan asked Zhao Ran what he wanted to do, Zhao Ran's answer was to kick the wealthy gentry out of the game.

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