The reason why the Seedlings Law has evolved into an "evil law" is actually an inevitability.

At that time, the financial revenue of the Great Song Dynasty fell sharply, and the military and other financial expenditures consumed huge financial resources every year, so that the finance at that time was "a hundred years of accumulation, only an empty book".

Nowadays, there is a loud call for official reform, and Wang Anshi is one of them.

When Emperor Zong of the Song Dynasty ascended the throne, the new emperor who had been admired by Wang Anshi for a long time also hoped to improve the financial problems of the imperial court through reform, so he granted Wang Anshi the post of governor and visited the prime minister the following year.

Wang Anshi also carried the banner of reforming the Song Dynasty, and in order to realize the ambition of "financial management to save the country", he also proposed the Qingmiao Law and implemented it in various places.

It can be seen that the birth of the Qingmiao Law was not to save the people from fire and water, but to solve the financial problems of the Song Dynasty, in an attempt to obtain a steady stream of benefits from the "Qingmiao Law".

Although at the beginning of its formulation, the Seedlings Law embodied a "gentle side", but in the process of specific implementation, its "usurer face" was soon exposed.

In fact, it was implemented in Hebei Road, Jingdong Road, and Huainan Road in the early days, and later other roads were also implemented. In the actual operation process, the loans of the current year are repaid with the summer and autumn taxes, and the interest is two cents per period, and the actual weight is three or four cents.

If the half-year interest paid by the local government to the people is three cents, then the interest for one year is as high as six cents, which is not too high.

Even if the interest rate of the "Green Seedling Law" can be lower than that of private usury, it is only "50 steps and 100 steps", which is also a harm to the borrower, and there is no essential difference between those squires who accumulate wealth through usury and annex land.

From the standpoint of the toiling people, whether it is the six-cent interest of the imperial court or the eight-cent interest of the local squire, it is just to make them slide into the abyss more slowly.

In the same way, the Great Song Dynasty's Qingmiao Law could not win the support of ordinary people, but was fiercely resisted by the local gentry with vested interests, so its fate was already doomed to failure.

The sky was overcast, and the north wind was swaying in the open fields, but it didn't look like it was going to rain.

The carriage drove slowly forward in the middle of the road, and it was already the majestic city of Beijing, the imperial capital of the two capitals and thirteen provinces.

Lin Haoran listened to the sound of the carriage and reel, and was very soberly aware that Daming had entered an era bound by the shackles of usury, and he also clearly knew that Wang Anshi's green seedling method could not solve this problem.

The Qingmiao Law in Wang Anshi's era could not solve the problem of greed in the imperial court, and now the finances of the Ming Dynasty are not much better than it, even if the Qingmiao Law is introduced, it will become an "evil law".

As for Yicang, this kind of granary set up by the village sages to prevent famine years, although it can alleviate the problem of usury, but it is more like a charitable act in later generations, but it does not have the ability to solve usury.

In Lin Haoran's view, the real way to save the people from fire and water is not for the imperial court to replace usurers, but to suppress usurers and provide the people with a long-term stable low-interest product.

In view of the experience of later generations, if the Ming Dynasty had granted banking licenses and allowed some private consortia to set up banks under state supervision, this would undoubtedly have been able to effectively solve this problem.

Social stability could only be maintained if the imperial court interfered with the interest rates of the banks and firmly restricted the distribution of usury products by these lending opportunities. An era of high-interest products will inevitably lead to more and more bankruptcy, and then go to ruin like the Yuan Dynasty.

When the carriage drove into Beijing City, Lin Haoran, who had been silent all the way, suddenly asked: "Rong'er, what is the current annual interest rate of United Bank?" ”

In the carriage, Hua Yingrong and Wu Qiuyu sat separately.

The two chatted for a while at the beginning, and asked Lin Ping, who was riding a horse, about what had just happened under the banyan tree, but after realizing that Lin Haoran was in a bad mood, they also chose to remain silent.

Hua Yingrong was slightly stunned at first, and then responded seriously: "Our joint money bank is divided into commercial loans and agricultural small loans, the interest rate of commercial loans for one year is up to three cents, and the prevailing interest rate for agricultural small loans for one year is up to one point and eight percent!" ”

Lin Haoran's brows furrowed slightly, and he said lightly: "It's still too high, let's drop it by another six percent!" ”

"Yes!" Hua Yingrong didn't expect this man to hold back such a profit-losing decision, but she didn't dare to ask more questions and object, so she nodded silently and agreed.

Through the establishment of branches from south to north through strong financial resources, United Money Bank has resolutely become the largest chain money bank in the country and the largest lending institution in Daming at present.

As long as they are willing to sacrifice their reputation now, then they can become the biggest loan shark in this era, and make the United Bank a super gold-absorbing machine.

However, from the date of the establishment of the United Bank, this man has firmly limited the interest rate of the United Bank, and has insisted on the position of low-interest lending.

Now, if the United Bank lowers the lending interest rate again, although it will win greater favor from the people, it will undoubtedly further reduce the profitability of the United Bank.

Lin Haoran looked at the lively street through the floating car curtains, and also explained his decision: "Weifu hopes that the United Money Village can always operate at a low interest rate, which will not only help Daming develop industry and commerce, but also help the people in need!" After a pause, he turned his head to look at Hua Yingrong and asked seriously, "You will help your husband, right?" ”

The curtain of the car swayed, and the light from outside reflected in, accompanied by a cacophony of sounds.

Hua Yingrong's face smiled sweetly, and her affectionate eyes responded with love: "What the husband wants to do is what the concubine likes to do!" After a pause, he added: "The concubine is not a greedy person, she mainly wants to do what she likes." Now the United Money Village can not only help people, but also earn money, or help the husband, the concubine is very happy in body and soul! ”

Lin Haoran saw Hua Yingrong's sincerity, and also explained the situation seriously: "This matter will be very hard, and it will also face great resistance in the future, I am afraid you have to be mentally prepared!" ”

"The concubine body knows, but the concubine body will advance and retreat with the father!" Hua Yingrong naturally knew that their joint money bank would be intolerable by the times, but she responded affectionately.

Cough......

Wu Qiuyu, who was sitting on the other side, let out a coughing sound, and looked at Lin Haoran and Hua Ying in disguise and anger, expressing her jealousy and dissatisfaction with these two.