Wang Anshi certainly has a similar idea. This routine is, of course, the "Seedlings Law" that he later proposed.

At this time, since he has become a state-level governor and has considerable experience in governance, the initial form of the Qingmiao Law must be brewing psychologically.

To put it bluntly, the things that Wang Yan was thinking about just now, such as the methods used by the Egg Gang to deal with retail farmers, are actually not limited to breeding, but spread to all walks of life in the Great Song Dynasty, including silkworm raising, weaving, and grain industries related to clothing, food, housing and transportation.

The so-called green and yellow is a proper noun of this era.

pinching the bones, especially when the people were waiting for the money, the broken giants in the market joined forces to drop the price. In the period of serious deflation, the price of materials was suppressed in an all-round way, and at that time, the money was worth a lot, but the money was in the hands of the powerful, and the common people could only sell the grain, silk, weaving, and so on in their hands at a frenziedly low price, which was basically equivalent to a year of hard work in vain.

Some people are reluctant to sell, want to wait, want to hold on. So the government's taxes can't be delayed, so what can we do, then borrow it.

So this is how usury in the Great Song Dynasty was born.

In fact, where is there a pit in usury, some guys can't even count the number of fingers, can they not be pitted when they go to usury?

It was for these reasons that many years later, the Great Demon King came to power and proposed the Seedlings Method. The essence of the Seedlings Law is: don't go to usury, and if you need to develop production and get through difficulties, come to the government to borrow. Of course, the government also charges interest, but believe me, Lao Wang, the government is better than any gang in the world, and it will be gentler when eating.

In fact, the common people believed.

However, the Qingmiao Law is cooperating with the City Yi Law, which is equivalent to Wang Anshi's official declaration of war on the "Great Song Wall Street".

Why? As soon as those monopoly giants lowered the price, Wang Anshi activated the market change law, and the government bought it, and I will take it as many as you want, such a cheap thing, the government usually can't buy it.

After the acquisition, when those guys raised the price, the government smashed out the reserve of strategic materials to prevent the price from rising.

So it is directly equivalent to the fact that the Wall Street giants who manipulate the two major markets of finance and commodities have been dug up their ancestral graves by the two laws of the Great Demon King.

There is no law for the streets, only judges for the streets. There are policies and countermeasures, which have spread to nearly 2,000 counties in the world, and those county lords and various civil servants who are closely related to the crony capital have some ways to bring Wang Anshi's law to a crooked place.

Someone as strong as Stalin did not dare to oppose the bureaucracy, on the contrary, he solidified that he was not.

Khan, so the emperor was frightened as soon as the world was in chaos, and Wang Anshi's change failed, and being demonized was the end.

In fact, this ending is already very good, after all, it is in the Great Song Dynasty. In the future, it is not for nothing that the United States will be fired or the president will be killed by a psychotic gunman.

After YY, Wang Yan bit his fingers and said, "Daddy, I want to engage in the Jiaozi business, enter this big market, and teach them to be a man in another way." Now I'm a small profit, but I dare to start. It's not really 'cut before play'. But at the beginning, I didn't plan to issue Jiaozi, but in view of the bitter farmers who trust us. I think...... Charge a little interest, and after playing the white strip, give them the chicks directly. Think of it as a loan I give to their smallholder farmers. ”

Wang Anshi's mouth was half open in shock. The word small farmer loan is powerful when it comes out of this calf's mouth, and it is worthy of being the son of my Wang Anshi.

As a bookkeeper, Geng Tianqiu is shrewd and understands the market, so he had to smile wryly and nod his head to say that as long as he really wants to do it and dares to do it, it is feasible. Although this will make this bad boy make a lot of money, those farmers do have benefits. This simply coincides with your idea of "seedling money", sir.

Wang Anshi thought about it for a while, but still didn't say anything.

If you don't send a handover, it's very simple to borrow an ordinary loan, as long as you have money, this can't reach Zhang Fangping's level, as long as you register in Shuzhou.

It's okay not to even register, in fact, the eight layers of gang usury outside are all tax evasion, which is nothing more than trouble to whitewash the black line.

After thinking for a long time, Wang Anshi said curiously: "Our family has such a small capital, do you really want to try like this?" ”

"I'm ......" Wang Yan's little face was slightly red, and she was a little embarrassed, "Daddy Rongyu, the kid's business has been okay recently...... Still making a little bit of money. ”

Wang Anshi and Geng Tianqiu looked at each other. If the calf said that he had earned "a little", it was certainly not a little, but a frenzied amount. It seems that he deliberately took advantage of the pressure value of those big-headed people queuing up to force the Egg Gang to add money to carry chickens, and then supply the absolute amount to the Egg Gang, which should be a fortune.

Then, that Sima Guang took the protection fee business that this kid couldn't do, and it is estimated that because of his boy's excellent reputation and high-quality after-sales service, he has grown exponentially?

"No wonder you're so loud that you want to try to make a child." Wang Anshi said helplessly: "My father can't find your mistakes for the time being, so my father doesn't want to ask you how much you earn." I just asked again, Yan'er, do you plan to give the chicken seedlings to the farmers at a low interest rate, count them as a small loan, and pay you back when they have money next year? You must think well, the money is earned by you, and if you don't want to, you are embarrassed to ask you for your father. But there is a risk in taking it out, don't you think that you have a gang of hooligans in your hands, and your father will indulge you and force you to pay debts later? ”

Wang Yan smiled: "I am willing." And there is no need for collateral, the world interprets it wrongly, and always likes to lend money to those prosperous and huge chambers of commerce. In fact, that's why eggs are put in one basket, which is not safe. The best quality loan customers are definitely smallholder farmers who are willing to engage in production. The situation in Shuzhou is not bad with you, relying on my magic chicken, they are unlikely to lose money in business. Then Diao Min is a rare group, and I don't know half of the floor, so you can put a white strip without collateral. I also did a market risk assessment, secretly sent someone to investigate the character of these farmers, in fact, after my formula evaluation, I think that when the business risk is not large, their bad debt rate due to character will be less than 5%. Then make a little business risk weighting. So with only 7 to 8 percent interest, I can do it without losing the principal, and that's the charm of statistics. ”

"Seven to eight cents!" Wang Anshi got up suddenly: "Are you serious?" The government can't do it with such a low interest rate. ”

Wang Yan said: "Khan, of course, the operating costs of those civil servants under your command are not low, and you can't whip them yet." However, I trained Ma Jinsi and they were very skilled, and they basically helped me work for free. I thought you didn't understand MLM, so I didn't explain it to you. ”

2#！

Wang Anshi and Geng Tianqiu looked at each other again.

Anyway, this kid is against the sky, if he really lends money at seven to eight cents, fortunately, he is the son of my old king, and the scale is very small. Otherwise, you have to ask Sima Guang to send the forbidden army into Shuzhou to prevent all kinds of loan shark gangs from making trouble.

After barely calming down, Wang Anshi said again: "Yan'er, even if you assess the risk accurately and consider some situations weighting, the operating cost will be reduced to an astonishing level. I won't talk about you, but seven to eight cents only calms out the risk, you don't seem to make money, it's hard for a father to believe that you don't make money? ”

Wang Yan scratched his head and smiled: "I want to earn more than anyone else, but Daddy, you have to look at the long term." Fame and credibility are still one of the most important assets. What kind of money do these bitter people have now, they really regard them as money-making objects, but in fact, they don't have much oil and water to pull hatred. I am now building a reputation, which is equivalent to Shang Ying's bounty carrying wood. Let them become the first loyal customers who trust me in the 'small arithmetic firm'. In the future, after Zhang Fangping gives Jiaozi a license, if my Jiaozi is to be issued, there must be the first batch of hardcore followers who support me, and they are. They don't have any money to save, I teach them to earn money, and then store it for me after they earn it. In order to lead to faces, everyone has trusted relatives and friends, which is called circles and connections, and drive the people behind them to make money, and then save the money to me, which is to continue to spread geometrically. As long as they earn money, I have money. Isn't that easy? ”

Wang Anshi really understood a little, and then opened his mouth half-open.

"Anyway......" In the end, Wang Anshi sighed: "Anyway...... That's it, Zhang Fangping, you have to persuade yourself, and your father will not intervene in this matter. Regarding the approval document allowing you to lend, I will ask Geng Tianqiu tomorrow to get it, and I will personally approve it for you. But if you dare to conceal business tax evasion, I will kill you. ”

Wang Yan hugged his fists and said, "Yes." ”