Chapter 553 explained

Lu Huiqing disagreed again: "Mingrun's words are very unkind, and the people have to relieve their suffering, so we should work hard." ”

Of course, Su You will not give him the opportunity to slander himself: "The temple judge still doesn't understand what I mean, the fourth and fifth class households have to solve their suffering, of course it's good, but what we're talking about now is the national economy." ”

"I mean, when the year of the arrears comes, when these people encounter disasters and cannot repay the debts, the recourse is the same as the three points owed and the four points owed, and they are all pawned houses and sold women, and they are scattered and hanged, is there a big difference between this?"

"And the four points that were owed before are owed to the rich. There are no landless customers, no long things, and everything depends on the main household. Whether the main household wants to or not, he can only extend the loan, and he can't let them live well in normal times, but he can't let them die at this time. Otherwise, who will help them farm the land in the coming year? ”

"Then I would like to ask Xianggong and his participation in politics: Changping, Guanghui Ercang, is the national grain depot. Is it enough to extend the loan term once? If it's not enough, how many issues should it be? Can I continue to borrow money until my debt is settled? If not, will farmers still have to borrow from rich households at interest rates? Does it encourage mergers? ”

"Today's Qingmiao Law actually deprives the first- and second-class households of the benefits of lending, protects the third and fourth-class households from the risk of being merged when the green and yellow are not connected, and has no substantial benefits for the bottom, the fourth- and fifth-class households with the largest base and landless customers."

"Even for the third and fourth class households, in the harvest year and the peaceful year, it is true that the new law can get the benefits of curbing mergers, but once it is a disaster year, they are dragged down by the joint insurance of the fourth and fifth class households and customers, what will be the consequences?"

"Don't forget, the intensity of land annexation in a disaster year is not the same as the intensity in a normal year!"

"This kind of practice, only let the merger in the Fengping years, suspend for a while, in the disaster year will greatly reduce the ability of the third and fourth class households to resist risks, which is equivalent to the merger that occurred in the ordinary year to the disaster year, and the disaster is even more serious, and the original intention of the annexation is far from the opposite!"

Su You is really a little speechless about the temper of the Song people today, the military is like this, the civil affairs are still like this, I only saw my hundreds of thousands of troops killed, what happens after the peace is extinguished, but I haven't thought about it, what if it fails?

With a sigh of relief, Su You said: "The original intention of the establishment of the Qingmiao Law is good, and if you want to solve the 'method of dispersion, it is not appropriate, so the benefit of your lover is not clear, so that you will go out of the provincial warehouse to give loans." ''It's not just enough to deal with the famine.'' ' question. ”

"But if you really want to do this, the government will participate in the restriction, and the disaster will be better than the rich, and the small households will inevitably beg the rich family.

"Therefore, the provisions of the official book must not be derogated, can it not appear in the law? What is the legal basis for the joint guarantee? If there is no legal basis, can and should not appear in the ordinance? ”

As for the discussion of the government and the opposition, they have not been satisfied, so the public can still refute it at this time. But Su You can think of it so deeply, others will definitely not think of it? ”

"Jiefu Gong, you are taking out a green seedling loan in Ningguo, I want to ask if in those years, Ningguo was a prosperous, peaceful, or famine year?"

"In addition to the seedling loan, are there other supporting measures such as adjusting farming cattle, agricultural tools, and organizing cooperative production?"

Wang Anshi and Lu Huiqing looked at each other, and Zhang Dian grabbed Su You's wrist: "Mingrun, have you told others about these discussions?!" ”

Su You said: "This is the reason why I asked to discuss with Jiefu, today's words, the world knows, only the four people in the room, even if they are as close as Zizhan Zi, I have not told them." ”

Wang Anshi nodded in his belief, if it weren't for this, these two babies would have made a fuss in the court long ago, and they wouldn't have caught the corners and yelled all day long.

Lu Huiqing didn't see any dissatisfaction now, but bowed down and saluted: "The ability of Mingrun is beyond Huiqing's reach, I don't know if there is a way to improve it?" ”

Knowing Su You's attitude and unwilling to openly oppose it, then of course he must continue to seize the leading position.

Your baby, only the qualifications for improvement.

Su You didn't have any annoyed look: "Jiefu Gong, Zhongyun, Brother Zihou, I see that in the recent texts, they all connected the loan and said, then we will discuss separately today, what is a loan, what is a loan." ”

"Different from collecting money from Yinzi, the purpose of Sitong Money Village and Huangsong Bank is to invest the concentrated assets through loans to meet the needs of the production expansion of the Bianjing merchant workshop and replenishment of funds."

"In the process, we will promote the prosperity of all industries, and at the same time, increase the accumulation of the bank itself through the interest rate differential between loans."

"Knowing the purpose, the Sitong business is in Bashu Hangyang, and the Huangsong Bank is in Bianjing, and the meaning of its measures is clear at a glance."

"First of all, the bank loan is issued for production, and the profit from production is greater than the interest on the loan, and both the borrower and the borrower benefit, so it is a good loan."

"Therefore, the object of loan issuance must go through the pre-loan review, and there must be a detailed statement for its production capacity, profitability, asset scale, required amount, investment period, and recovery risk, and it will be issued only after the audit is qualified."

"Therefore, the loan in Shuzhong is mainly used in the workshop, because Shuzhong is now technologically advanced, the products are very popular, and the bank invests in the workshop, which can ensure the recovery of funds."

"In Hangyang, on the other hand, it mainly invests in merchants and workshops that produce means of transportation, because these two places are prosperous and busy, and these are the best businesses."

"In Hebei and Shaanxi, it is mainly related to land development, animal husbandry, and military industry-related bows, crossbows, iron-making, weapons and other workshops, as well as to undertake the distribution of military expenses, city repairs, and also include the Yellow River in Hebei and the road expansion in Shaanxi and other capital exchange needs."

"In Bianjing, he is responsible for the distribution of official salaries, and at the same time invests in consumer industries such as catering, books, spices, jewelry, clothes and hats, car travel, and mansion decoration."

"These are all focused on according to the characteristics of each place, but in the end, they are all the same purpose - both the borrower and the borrower will benefit, prosper the local area and cultivate capital at the same time."

"In turn, the banks gradually gained a high level of credibility and influence, and began to build a virtuous circle."

"So in a word, loans are to make money, and you have to let others make money even if they take out loans."

"As long as it is a loan, there will inevitably be a risk that the loan cannot be recovered, and the non-performing loan ratio will directly affect the profitability of the bank, so every loan must be issued very carefully. The support of each type of industry also needs to be very cautious. If you don't have a good future, you'd rather not take out a loan than take out a bad loan. ”

"This creates a huge contradiction, banks want to lend to the most profitable industries and people, and these industries and people, because they have sufficient capacity, often have sufficient capital and do not need loans."

"On the other hand, those who need funds the most are often not profitable, and the banks lend to them, which is very risky, and the banks are certainly unwilling."

"Therefore, the responsibility of the loan department of Huangsong Bank is to find those who have the ability and technology to become bigger and stronger, and can improve their own profitability, but are currently limited by their own capital and cannot realize the intention of expanding production, which is the bank's best quality lenders."

"There is also a second category, that is, the well-off families or officials in Bianjing, who are in urgent need for a while, such as weddings and funerals, buying houses, adding valuable furniture, and carriages...... There may also be a need for loans, but because they have enough assets in their families to pledge and can deduct their monthly income in installments, the risk of becoming a non-performing loan is very small, and the repayment of the loan will not affect their lives, and they are also very popular lenders with banks. ”

"Because the purpose of the Huangsong Bank is not to plunder wealth from society, but to increase wealth for society, so in addition to being cautious, we must also try to support it."

"This is the reason why Sitong Money Village was ridiculed by various money shops in Beijing a few years ago, saying that Sitong Money Village made the person who owed money become the uncle."

"It's a difference in business philosophy. However, it is also the reason why Sitong can quickly establish credibility, win reputation, maintain a good relationship between the upper and lower levels, and quickly develop and grow. ”

"This kind of loan, in Su You's mind, can be called a real loan, Zhang Gong's "Financial Theory", expounded very auspiciously."