Add Bookmark | Recommend this book | Back to the book page | My bookshelf | Mobile Reading

Free Web Novel,Novel online - All in hlnovel.com -> Wuxia -> Taoist Laws

Chapter 537 Money, Interest and Transportation

Previous page        Return to Catalog        Next page

    As Liu Zhiguang said, the charity fund system can be implemented in Junshan, but it is a bit reluctant to extend it to the entire county. As for continuing to extend it to the entire Long'an Prefecture, it will definitely not work without changes.  In addition to the great resistance to implementation, Zhao Ran always pays for it personally to make up for the interest rate difference. What's going on?

    Those who know the inside story may praise "Abbot Zhao is compassionate", but those who don't know the inside story may call him careless. If he has ulterior motives, I'm afraid Zhao Ran will have to walk away without a meal.

    ?????????? So what is the root cause of the youthful money and bad government?  The imperial court set an interest rate of 4% on young crops money. These 4% were used by the court to subsidize the government's expenses in operating young crops money. However, in actual implementation, the subordinate staff who handled young crops money would lend it to the gentry and wealthy businessmen at an interest rate of 20%.  , the interest rate on the young crops loaned out was five times the original amount, and 8% of the income was handed over to the public and the majority was kept privately.

    The gentry and wealthy businessmen did not need to advance money at all. When they received requests for loans from farmers, their left hand lent the money at an interest rate of 20%, and their right hand lent it directly to the farmers with an interest rate increase of 10%. The interest paid by the farmers increased from the original amount.  Four cents became 30%!

    Eight cents of the money earned from young crops was divided among the Taoist clan and the government, and 12 percent was taken away by subordinate officials. The remaining 10 percent was enjoyed by the gentry and wealthy businessmen. Among them, the gentry and wealthy businessmen were still interested in  Rather than money and interest, they value the land of a large number of bankrupt farmers.

    To put it more vividly, it means that the Taoist sect, the jungle, the government, the subordinate officials, and the rich merchants of the Jin gentry all share the feast of young crops, money and interest.

    ??What should we do if we reform?  It is undoubtedly an interest rate cut.

    According to Manager Li¡¯s many years of experience in implementing the charity fund system, farmers¡¯ tolerance for interest rates is actually not bad. The interest rates they can bear should be around 10% or 20%.

    Therefore, the interest rate for young crops¡¯ money should be directly reduced from the 30% or even 40% currently generally implemented to 12%.

    How to lower it?  Just kick the subordinates off the table, and then reduce the number of gentry and wealthy businessmen who can share the feast!

    Rearranging the list of people serving dinner is the essence of all reform.

    In this reform, the Taoist Yuan and the county government worked closely together. Liu Zhiguang and Kong Xianzun reached a consensus to first withdraw the subordinate officials from the task of handling young crops' money, prevent them from interfering in it, and directly deduct the money of the subordinate officials.  Partially cutting it off gives them no chance to put money into their personal pockets.  With this cut, the interest rate can be reduced by about 12%.

    The second step is to divide and disintegrate the gentry and wealthy businessmen, and bring in the stronger ones to share money and interests, further reducing the resistance to reform.  That is to say, the young crop money is subcontracted to several powerful large households, and these large households are responsible for lending the young crop money and handing over the work of subordinate officials to them.

    The specific method is to lend the young crop money to several powerful gentry and wealthy businessmen. They do not need to pay interest at this time, but they pay a nominal interest of 4%. This can avoid the legal risks of the court.  Large households that have borrowed money adopt the method of dividing the land. Each family is responsible for a fixed area and lends money to farmers at an interest rate of no more than 12%.  Four cents of the interest collected will be handed over to the Taoist temple, four cents to the county government, and the remaining four cents will be used as their income from handling.

    Farmers borrowed money for young crops within their affordability, and the Taoist Yuan and county government also received a share of the profits. Several large households obtained stable income that could flow steadily. Only the remaining gentry and those who could not intervene were damaged.  Subordinate official.

    So how to ensure that the interest rate on the money borrowed by Jin Shen is not higher than 12%?  The suggestion given by Manager Li is to conduct public bidding throughout the county.  The highest interest rate in the bidding is set at 12%, and it depends on who quotes the lower price.  On the basis of the quotation, the comprehensive strength of the large participating bidders is also evaluated, and large households with relatively clean family backgrounds, relatively good reputations among neighbors, strong strength, and wide influence are selected to subcontract young crops money.

    As a supervision measure, charity funds will continue to be distributed, but the interest rate will be set at 13%. Once a farmer is found to borrow charity funds, we will immediately investigate which jurisdiction of the large subcontractor the farmer comes from and why he cannot borrow the money with interest.  Lower green crop money.  Once verified, the subcontracting qualification will be canceled and the qualification will be transferred to others.

    As a result, the Charity Hall founded by Zhao Ran has transformed from an implementer to a supervisor, and the youth money system can truly benefit farmers.

    This is a watered-down version of the Qingmiao money reform, which is gentler than the original method and creates fewer enemies.  There will certainly be problems during the implementation process, but through the two-step approach, first implemented in the Junshan Trail Area, the buffering and adjustment period is also guaranteed.

    It is not known who this plan came from, but Liu Zhiguang pretended not to know, which is tantamount to taking as much responsibility as possible on himself in the future.

    Zhao Ran was very pleased to have such a good supervisor.  But he was relieved that he could not transfer his merits to Liu Zhiguang, so he refused firmly, saying that he was guilty of any crime, of course??Zhao Ranlai will bear all the responsibility.

    After talking about the money for young crops, it¡¯s time to talk about the second item, the large-scale construction of roads and ditches throughout the county.

    Liu Zhiguang was very well prepared and took out the map of Guyang County. The roads that needed to be repaired, the canals that needed to be dug, etc. were marked on it.

    ??Among them, two new roads, totaling 80 miles, were built, and four roads were renovated, totaling 170 miles.  The construction period is estimated to be five years, and according to Zhao Ran's requirements, it will be placed during the slack period.  It is expected that after the renovation, the traffic situation in Guyang County will be greatly improved and travel will be more convenient.

    In addition, 18 large and small canals will be excavated, with an estimated total length of 30 miles, and 32 canals will be renovated, with a total length of 70 miles.  This project is not big, but it is complex, fragmented, and very labor-intensive. Liu Zhiguang expects it to be completed in three years.  Once completed, the farmland in Guyang County will basically be fully covered by water canals, and grain output will surely reach a new level.

    ¡°One for five years, one for three years, Zhao Ran would definitely be dissatisfied.  He directly told Liu Zhiguang: "Three to five years is too long, let's seize the day. Let's do this. The people in Junshan area have been very experienced in digging roads and canals in the past few years. We specially recruited two hundred people from Junshan area to fully take charge of this project.  , there is no need to distinguish between slack farming and slack farming, just start working all year round. Farmers in other places do not need to participate, and they will not waste people and money."

    Liu Zhiguang hesitated and said: "Two hundred people? Is it too few? How many years and months will this work last? And it will not be in the form of forced labor. The Taoist Temple will cover the wages of these two hundred people, which I'm afraid is a bit unsustainable."

    Zhao Ran said: "To tell you the truth, I am a Taoist practitioner. I have the means to recruit free labor, and all of these laborers are capable, each one is worth a hundred!"

    Liu Zhiguang suddenly realized: "So that's it. Does the abbot want to perform magic? It's really wonderful. I must go and see him when the time comes."

    Zhao Ran smiled and did not explain, and continued: "As for the two hundred laborers recruited from the Junshan area, I will pay for the money. It is my gratitude to the people of Guyang County."

    If you like Taoist Law, please collect it: Taoist Law is updated the fastest.  (Remember the website address: www.hlnovel.com
Didn't finish reading? Add this book to your favoritesI'm a member and bookmarked this chapterCopy the address of this book and recommend it to your friends for pointsChapter error? Click here to report