Chapter 554 Loans and Relief

"Even if it is so cautious, the loan department of Huangsong Bank has the same non-performing loans, and every non-performing loan will eat up a loan provision of the bank."

"Because to ensure the viability of the bank, every loan issued, the bank will allocate a corresponding amount of money from the profit, as a risk guarantee once the loan cannot be recovered, once the loan fails, the money will be used to write off the loss."

"Survival and safety are the first priority of the bank, and only then can we talk about profitability!"

Lu Huiqing and Zhang Dian hated it so much, they were so cautious in lending money and so careful in their methods, it was really hell that the Imperial Song Bank didn't make money!

Su You saw that a few people seemed to understand: "After the loan is finished, let's talk about the relief." ”

"Relief is a government act that supports the disadvantaged, stabilizes the country, and helps unfortunate individuals and groups in difficulty through relief measures such as caring for the elderly, supporting children, helping students, and helping the poor."

"It is not only to let the widows and widows be lonely, but more importantly, to correct the social atmosphere, to promote morality, to make benevolence and selflessness, pity the poor and the weak, become the virtues that people praise."

"The objects of relief are those who have lost or are about to live, and if they don't have the ability to live, then there is no production."

"Therefore, giving money and lending are a natural contradiction, and the objects of the two cannot be juxtaposed."

"To solve this contradiction, we must first regain the ability to live through charity, then support them until they have the ability to produce, and then use loans to lift them out of poverty."

"The responsibility of the government is to reduce this part of the population in need of relief as much as possible, so that they can return to productive activities, transform it from a burden on the state into a basic force for national construction, and then increase the state from the taxes it generates.

Wang Anshi was very shocked in his heart: "The old man's argument is often reprimanded as a fallacy, and Jun Shi thinks it is a clever tongue and competing with the people for profit, but it can be interpreted in this way." ”

Su You didn't care about this old thief's own concept, especially as long as he was old and wouldn't be caught and go to the extreme north to hold sheep for the winter, he would win.

Lu Huiqing was reluctant to end the discussion: "In Mingrun's opinion, how should this seedling method be improved?" ”

Su You said: "Since the difference between loans is clear, the method is very simple - as long as it is a loan, then it must follow the principle of lending - subdivide the population, and then lend to high-quality users!" ”

Zhang Dian understood: "In the fifth class of households in the Great Song Dynasty, the first class does not need to borrow loans, and the second and third classes need to rely on loans to receive a while, and they have assets and the ability to repay debts, as well as production capacity. The fourth and fifth classes are unable to expand production, and it is difficult for them to protect themselves, so they should not be listed as loan targets. ”

I relied on Su Mingrun to quickly stop him from continuing, Zhang Zihou's heart is really hard, and he is worthy of being a person who dares to ride a horse to drive a tiger: "No, no, the fourth and fifth people of the Great Song Dynasty are still different from the objects of relief, they themselves have production capacity, and what they lack is only the materials for production, such as land, ploughing cattle, farm tools, and seeds." ”

Wang Anshi smiled bitterly: "This old man can't change it, the seeds are still easy to do, the farm tools can also be adjusted, and the cattle herd and herd husbandry department can get some of it, but I'm afraid that it's just a drop in the bucket...... This cultivated land...... There's really nothing you can do. ”

Su You said: "Actually, there is still a way, but that is beyond the scope of the Qingmiao Law, at least more than ten years ago, Meishan was transformed." ”

"As far as the Seedlings Method is concerned, the interest rate can be set in different grades, and the interest rate can be set very low if the loan money and grain of the fourth and fifth class households are small, and then the interest rate will increase step by step as the level and amount of the borrower increases."

"For the extremely poor households, they cannot be guaranteed by the upper class households with them, nor can they take out loans, they should belong to the category of relief."

Wang Anshi immediately thought of a question: "In this case, will the rich households in the township entangle the lower households and take loans in their names with the intention of lower interest?" ”

Su You clasped his hands: "That's what you want!" If they really do this, then the result is actually the joint guarantee of all households that they want to participate in politics, but the relationship between the host and the guest is reversed, and it becomes a superior household to ask for a lower household, and if there is a dispute, when the judgment is made, there is one more official government. ”

"Similarly, the law can also stipulate that if the upper class wants to take advantage of the lower class quota to take advantage of the low-interest loan, then they will have corresponding responsibilities for the lower class, and from a legal point of view, there will be a reason, and it is no longer a mandatory requirement."

"If they want to enjoy low interest rates, they have to share the risk, and if they don't want to take the risk for the lower class, then they have to bear high interest rates."

"With the concept of financial risk, corresponding to the Seedlings Law, it is also necessary to make provision for risks, in addition to each Seedlings loan to have a corresponding risk provision, Changping, Guanghui two warehouses also have provisions for disaster years, to prevent the impact of disaster years on the lack of inventory of the national grain depot."

"In the case of the Imperial Song Bank, it is not possible to use all the absorbed funds for loans, such as national holidays, wars, natural disasters, and rumors such as the kind of rumor run encountered when the bank was first established, there will be a peak of capital borrowing, and the bank must also have considerable reserves to deal with these needs, which is a stable business model."

"In fact, for Changping Guanghui No. 2 Warehouse, a part of the savings is used for the seedling loan and the highest return is charged; A part of the savings is placed in the Huangsong Bank, which charges a steady interest; The remaining part of the thunder can not be moved, to ensure the bottom line of the national grain depot, to stabilize grain prices on a daily basis, and to make up for the lack of collection and adjustment of the transshipment department, is the only way to achieve a sound business model. ”

"The Seedlings Law should be piloted first, and the pilot effect is good, and then the scope will be expanded, and the results of the implementation of the Seedlings Law, the amount of loans, cannot be used as an official performance appraisal. The performance of local government depends on whether officials can bring prosperity to the local government. ”

"To implement the new law, the pace must first be steady, and it must win the support of all parties, and then it can be said to be fast or slow."

Lu Huiqing's eyes flickered, he also vaguely knew about the financial crisis when the bank was first established, and now it seems that Su You was absolutely well prepared at that time, and he did not push the other party into the abyss, but he was merciful.

Su Shi, an enemy like Sima Guang, Lu Huiqing is not afraid, a gentleman can be bullied.

But when you meet Su You, a gentleman, his side is a hundred times more powerful than yours, and when you dare to be the first year of junior high school, he will dare to be fifteen, how to bully?

This kind of person can only cooperate.

He secretly looked at Wang Anshi again, and saw that Wang Anshi had already moved, so he immediately retreated: "Participating in politics, Su Mingrun's wisdom is magnificent, why don't you ask him to preside over the Ordinance Division?" I'd rather be his deputy. ”

Su You hurriedly shook his hand: "Zhongyun can't do it, the work of planning, years of hard work, how can it be taken away because of some of my small suggestions?" ”

After speaking, he bowed his hand to Wang Anshi: "Participating in politics, Su You is outside, or you can stay sober and see the pros and cons; is caught in the game, but I am afraid that I will immediately become the target of the public. Moreover, the Ordnance Superintendent's side is also complicated, and it is really impossible to get away. ”

Wang Anshi thought for a while: "Mingrun, there are many measures in the Ordinance Department in the future, I hope Mingrun will speak freely like today." Last time, the "Equalization Law" had already been revised, but due to ...... You know, so the rollout was a bit rushed. ”

Su You nodded: "Then you might as well try it for a while, if there are many signs, the supplementary terms issued by the Chinese book are that since the decree has been promulgated, it is most taboo to change the order and leave it for the future." ”

After speaking, he added: "I'm just worried, if it doesn't happen, it's naturally best; If it had happened, there would have been a response long ago, and that would be enough. ”

Wang Anshi breathed a sigh of relief: "That's it, the old man will go back and try to adjust it to see how the public opinion goes." ”

Su You stood up: "Please also participate in politics to see the recent achievements of the Ordnance Supervisor, after reading it, you will know that Su You is really not shirking, it is really a very important matter, Su You does not dare to neglect it." ”

Wang Anshi also stood up: "The old man also happened to take a look, what is the reason why Your Majesty attaches so much importance to it." ”