Chapter 552 Analysis

Su You nodded: "What Gong Jiefu said is indeed true, but didn't Gong Ming find out that this development speed is getting faster and faster, and the scale is getting bigger and bigger?" ”

"Ming Gong refuted the public opinion in the court, the Tao is a "Zhou Li", financial management is half of it, how can Zhou Gong be profitable! Su You agreed. ”

"Financial management is for political affairs, and political affairs are for the country and the people, so financial management is the so-called righteousness. Su You also agreed. ”

"But participating in politics, financial management has to be done in a good way, the biggest difference between national financial planning and business management is that businessmen are only mercenary, and the national economy must take into account national use and people's livelihood."

Wang Anshi was a little displeased: "The edict prepared by the imperial court is very clear: compared with the disaster of the year, there are more loans in the province. And the province is waiting for the gift. If it is not enough, and it is used for loans. It is difficult for this court to give favors, and the people of the fierce years may not be deserved.

Today, Zhulu Changping and Guanghui Cang have a rough calculation of more than 15 million stones, and the method of dispersion has not been appropriate, so the benefits of the lover have not been punished, so that they have more loans from the provincial warehouse.

Now want to Changping, Guanghui Cang see in the Hu Dou, in case of expensive amount of reduced market price, in case of cheap amount of increase market price, it can be calculated to transfer the Division with Miao tax and money on the transfer, also allowed to exchange, still to see the money, according to the Shaanxi Qingmiao money example, take the people's willingness to give in advance, so that with the tax Hu Dou, half for the summer material, half for the autumn material.

There are those who are willing to give their true colors, or pay when the price is expensive, and those who are willing to pay money are allowed to obey;

In case of disaster injury, it is also allowed to pay on the day of the second harvest, which is not only enough to wait for the famine. ”

"Mingrun, the new law is clear at the beginning, isn't this for the sake of the country and taking into account the people's livelihood?"

Su You Zhengse said: "Jiefu Gong, then let's analyze it slowly." ”

"First of all, we have to take into account that the Great Song Dynasty households are divided into five classes, and the composition of these five ranks is like the shape of a mountain, the lower the base, the larger the base, and the higher the base, the smaller the base, right?"

Wang Anshi nodded: "Below the fourth class, accounting for seventy percent of the number of households, and above the third class, only accounting for three percent of the number of households." ”

Su You continued: "And the mastery of wealth has been reversed, seventy percent of the country's wealth is in the hands of third-class households and above, right? ”

Wang Anshi nodded: "The problem of the Great Song Dynasty is here, and the "Qingmiao Law" was also introduced for this purpose, to curb mergers, so that the rich will not get richer, and the poor will benefit the poor." ”

Su You said: "This idea is very good, but the law of the green seedlings who participate in politics is that the upper two classes cut off the benefits of lending, and the lower third class has the name of benefit, which hurts the interests of everyone." Although the regulations are different from the law of Sang Hong sheep, what is the difference between the result and the law of Sang Hong sheep? ”

Lu Huiqing couldn't help but speak: "How can it hurt everyone's interests?" We have already considered this point clearly, and the amount of borrowing is determined according to the fifth-class household registration. The higher class can borrow more, and the lower class can borrow less. ”

"The fifth-class household shall not exceed 500 yuan, the fourth-class household shall not exceed three times, the third-class household shall not exceed six times, the second-class household shall not exceed ten times, and the first-class household shall not exceed fifteen times."

Su You said: "The temple judge didn't understand what I meant, the purpose of your approach is not from the perspective of supporting farmers out of poverty, but only one purpose - to keep the country's assets." ”

"It is also for this reason that the "Seedlings Law" also makes a distinction between the main customers, and the customers can also borrow Seedlings money, but they must be insured with the main household, and the amount of the loan will be determined according to the amount of property of the main household."

"From the perspective of the legal relationship between the Great Song Dynasty, there was only an employment relationship between the customer and the main household, and it is illegal and unreasonable to forcibly stipulate that the main household guarantees the customer. The reason for this is simply that the customer is unable to repay, so the property of the owner is used as security to protect the state loan from loss. ”

Lu Huiqing thinks that there is nothing wrong with herself: "Of course, we must protect the country's property." ”

Su You shook his head and continued to recite the article: "Take ten households as a guarantee, about the amount of money, and measure the material resources of each household." Ling, Zuo bowed to the family, and the head of the old household recognized. Each household must be consistent and above, and those who do not want to invite shall not be inhibited. Those who are willing to ask for a fight, that is, to evaluate the current price as a number of money, that is, they must not lose the official capital, but they will be paid according to the money regulations. ”

"What I want to ask is, what if the farmers are losing their official capital? When floods and droughts are not allowed, is it really forbidden if the law stipulates that it is not allowed? ”

"Let's go on to the following: the customer who is willing to insure, that is, the owner of the insurance, and the amount of the main household's material resources to borrow. If there is a surplus between the branch and the rural households, it is also allowed to go to the law, and the branch and the fang Guo have to be the households. Please receive the green seedling money for the guarantee, and each insurance must be filled with material resources of the third class or above. ”

"This mentions the main household, the material resources of Jiatou and the Fangguo households, Su You wants to ask, is it that after the farmers and the Fangguo households lose money, they use these Baozhu households, and the material resources of Jiatou are offset?"

"The settlement of the guarantee of all households is nominally to prevent the occurrence of idle people who borrow more than they borrow. The essence of this is because the policyholder's family property can be used as collateral for the seedlings, or because of the words 'no loss of official capital'. ”

Lu Huiqing didn't think there was anything wrong: "Isn't this the case in the world?" Could it be that the Sitong trade is in Shuzhong, isn't it the same? ”

Wang Anshi thought that Su You, like Sima Guang Zeng Gongliang, was ready to raise the set of rhetoric that the interest rate was too high: "Mingrun, for the relief of the people, two cents of interest is certainly less than one cent of interest, and one cent of interest is certainly not as good as a loan, and it is certainly not as good as a loan." But with the ability of Mingrun, he naturally knows that those pedantic people can't discuss it. Why? Because the coming day is unsustainable. ”

"If you can't continue, you will know the benefits in vain, but you don't know how to do politics. This is not a way to benefit and not to spare. ”

"If you want to lend, you will inevitably have to pay for officials, transportation expenses, floods and droughts, and consumption of rats and birds. Shouldn't we use loans to collect interest and try to increase storage, so that they will not be hungry and go straight to it? Without these two cents, okay? ”

Su You shook his head again: "Participate in politics, we'll talk about this later." There is also a text in the law: if the loan is made according to the above fixed amount, and there is more surplus capital, the third class and above households shall be entrusted to the county to measure the material resources, and in addition to the amount of money set above, a number of additional expenses will be added. ”

"You only take into account the situation that each household is actively taking out loans, and the county is taking care of it. Have you ever thought that every household is unwilling to borrow, and the disadvantages of hard apportionment in the state and county? ”

"Also, after the two harvests in summer and autumn, when the borrowed seedling money is repaid with the two taxes, it must be added to the original borrowed amount with three or two cents of interest."

"With your abilities, you can know the virtue of my Great Song Dynasty officials, will they choose to be high or low? Or is it just low or high? Therefore, it is not an exaggeration to set the interest of the "Seedlings Law" at three points, right? ”

"As I said just now, the country's financial governance is very different from that of ordinary businessmen, and we can't just look at short-term profits. If the vision only falls on the four words of official profit and loss, it is already inferior. This is not the way of economics, but the way of businessmen. ”

"The way of the economy lies in making the people nourishing, making the country sufficient, the people rich and the country strong, and the country strong and the people rich, and the two cannot be separated."

"The three-point benefit is actually similar to the four-point of private lending today."

"There is no one in this world who is a fool, and the people who participate in politics and the temple judgment say that the people are nearly doubled, that is when the green and yellow are not connected, the rich and the small households are forced to do so, but it is not a long-term cooperation between the main customers, nor is it the norm in the countryside."

"If this is the case, then the small households will inevitably regard the big households as enemies, and the basis for the joint insurance of large and small households in the "Green Seedlings Law" also does not exist."

"According to my research, the spring and autumn loans for agriculture in normal villages are actually only nearly times the income, not nearly times the principal. Otherwise, how will the borrower repay it after one year? If this is a common phenomenon in the Great Song Dynasty, think about it, can this country last for a hundred years? ”

"Of course, I'm not saying that the four cents of interest are not bad, the four cents of interest have almost plundered the peasants' income for a year, and the rest is only enough for a family to maintain half a life."

"But will three cents alleviate the problem? Three-point interest may be able to solve the second-class households, and the third-class households are in urgent need for a while, but for the fourth- and fifth-class households, how much difference is there? Maintaining a half-life becomes maintaining a half-life. ”