Lending is not new in the Great Song Dynasty.

The people of the Great Song Dynasty, especially the peasant households, were oppressed by high taxes, and their lives were tight. As soon as there is some wind and grass, natural and man-made disasters, they will immediately become poor.

Poor people who have no food to eat, and want their whole families to starve to death.

What to do?

If you don't borrow money, you're starving to death, so if you don't care about usury, you can borrow money first to fill your stomach.

So usury came into being.

At the beginning, it was not that the DPRK and China did not think of banning usury, but there were too many poor people!

Once usury is banned, who can help these poor people when they are in trouble?

No one will stretch out their hands, they will become beggars and outcasts, and the corpses of people dying of cold and starvation will often be seen on the roadside......

At this moment, only loan sharks can help them, even if it is to quench their thirst, but survival is better than anything else.

The interest rate of loan sharks is frighteningly high, and the monthly interest rate of five cents is just ordinary, and there are higher.

This is an alliance under the city, if you don't borrow money, your whole family will starve to death, what will you do?

Borrow it!

The profits from usury are so abundant that the rich who have some spare money give their money to the 'money head' and the money head will lend money.

Most of those powerful people are involved, but the official is watching the show.

Later, Wang Anshi couldn't see it, so he introduced a seedling method.

The interest rate of the Seedlings Law is much lower than that of usury, and it was thought that it could solve the people's difficulties, and it could allow the wealthy to guarantee various deviations, coupled with the various hands of the people who implemented it below, and finally the Seedlings Law harmed many places.

Shen An has thought about how to solve this situation countless times, and the monarchs and ministers present have also thought about this problem countless times, but there is no way!

But at this moment, Shen An's suggestion was like a bomb, and it woke them up in one fell swoop.

"Who will open the money bank?" Han Jiang was trembling, and he felt that he was witnessing the process of a problem being peeled away.

"Of course, it's the DPRK." Shen An felt that this problem was not nutritious, "This money bank wants to absorb the people's copper money, as well as loans, if that's all, it's just that, but this money bank will be very big...... It's huge. ”

"How big?"

"It's all over the place."

Ay! Save money!

Shen An remembered the scene in the bank in the future......

"Count it, 30,000 coins!"

"! With so many coins, when do we have to count? ”

Shen An's later life saw that the bank had counted the coins, and a group of female salesmen squatted there to count, looking at the despair of being loveless.

The mainstream currency of the Great Song Dynasty is copper money, and when you come to encounter a large amount of deposit, the people in the money bank will go crazy.

"Open a money bank in the middle of the court?"

Lu Zhi said angrily: "How can the court open a money bank? That's not ......"

"Why can't you open it?" Shen An asked rhetorically, "Do you know how much interest those people borrowed before their families starved to death?" ”

Lu Yu shook his head.

"Of course you don't." Shen An sneered: "You are famous, you have been pampered since you were a child, how do you know the difficulties of the people." The interest on the loans of those people was as high as five cents. Do you know who can afford to pay it back under the five cents? ”

"I can't afford it!"

Shen An was roaring angrily, roaring at Lu Xu.

"Once you borrow, it's almost like breaking your home, with few exceptions. Do you see that the people are suffering? Did you hear that? ”

Lu Xu's face was slightly cold.

"You can't hear it, you hear it and think it's who is dreaming, because the people are pigs and dogs to your kind! Pigs and dogs that can provide money and food! ”

Shen An pointed at him and said, "But in the eyes of a certain person, you are a pig and a dog!" No, pigs and dogs are not as good as something! ”

These people continued to quarrel in the future, and from the dispute over the New Deal to a partisan dispute, they left the country and the people behind, and only wanted to put their opponents to death......

Thanks to their 'hard work', the New Deal has been a success.

In the end, they were cheering victory.

But the Great Song Dynasty is sinking!

Who cares about the fall of the Great Song Dynasty?

Wang Anshi cares.

Those who only think about the revitalization of the Great Song Dynasty care.

Only they don't care!

"Presumptuous!"

Lu Yu was angry, and just wanted to rush over, but was hugged.

"Let go of the old man, the old man will definitely give him a dilemma of life and death today!"

He struggled, his beard stubbling, and he looked terrifying.

"Lu Zhiza......" The person who grabbed him said: "Shen An is a famous general who has killed a lot of people!" ”

Big guy, Shen An has fought many times, and the number of enemies killed can probably scare you.

Just like you, isn't it to deliver food to Shen An?

Lu Zhi sobered up immediately.

Oh, yes!

Shen An is willing to mix with those thieves and soldiers, and his skills are incredible.

Didn't the old man go up to look for abuse?

He figured out the outcome of the matter, and he couldn't help but sweat down his spine.

But one cannot be weak!

The old men in front were so tough, and now if they are weak, they will be ridiculed by everyone.

So he was ready to make another gesture and withdraw his troops.

So he shouted: "The old man fought with you today......

Then he struggled.

That's it!

But the officer who was holding him relented.

But anyone who has persuaded the fight knows how difficult it is to control once a person struggles frantically, and he can't hold on to a few strokes of poor physical strength.

The official couldn't hold it anymore, and Lu Xue paused just now, he thought he had woken up.

It's good that you're awake!

But who knew that Lu Zhi would come again, so it was a tragedy.

With a whoosh, Lu Yu rushed over.

He was also dumbfounded.

Why did the old man rush over?

He saw the banter in Shen An's eyes, and the banter gradually turned into hideous.

This kid definitely dares to do it.

Thinking of Shen An's great achievements in beating people in the court, Lu Zhi regretted it.

Shen An raised his hand, ready to give him a look.

"That's it!"

At the critical moment, Zhao Shu spoke.

And Lu Zhi also braked in time and stopped two steps in front of Shen An.

It's dangerous!

Shen An smiled at him, and the evil aura of the battlefield enveloped Lu Zhi in one fell swoop.

Lu Xu's face turned pale, he didn't care about any face, and quickly retreated.

It wasn't until he stepped back that he breathed a sigh of relief.

Zhao Shu glanced at him, and then asked, "Is there a charter for Qian Zhuang?" ”

Bao Zheng said: "Your Majesty, this matter involves confidentiality...... If someone had known about it in advance, would it have come up with something? ”

It's not impossible, it's very possible.

Bao Zheng glanced at Lu Yu and the others, and the distrust was beyond words.

The party struggle has finally taken shape!

Shen An did not regret seeing it.

In his opinion, it is impossible to cut the flesh from the vested interests without fighting.

Struggle means holding together, and holding together is party struggle.

It's good to come!

He rejoiced in his heart, and felt that this situation could not be better.

"Your Majesty, the so-called money bank is to use interest to attract the people to save money, and the people have benefited. And after the money is obtained, it can lend money...... For example, if a merchant is poor in money, he used to have to borrow from usury. How about coming to the bank? The interest rate we give is lower than that of loan sharks, and the credibility is guaranteed, so we will not cheat people. Who wouldn't come to such a bank? ”

Speaking of this, Shen An couldn't help but be in high spirits.

"The people have interest, the court has money to lend, and those who lack money can borrow money at a lower interest.

"The old man thinks this can be done." Han Qi took the lead in expressing his position, and he bowed slightly to Shen An to show his appreciation, "There are many criticisms of usury, which not only ruin the people's homes, but also the main reason for land annexation. In the past, it was not that the DPRK and China did not think about curbing usury, but the DPRK and China were also short of money! So it has been delayed until now. Your Majesty, Shen An's suggestion is good, kill three birds with one stone, good! ”

Zeng Gongliang praised: "You can try it." ”

Zhao Shu couldn't help laughing.

Since the exemption law, the monarchs and ministers have learned a trick: when something new appears, if we are not sure, then try it first.

The so-called try is to find a place to do a pilot, and if it succeeds, it will be rolled out, and if it is not successful, it can avoid greater losses, and summarize the lessons from the beginning.

Bao Zheng was the former third envoy, and he said very seriously: "Your Majesty, the minister thinks that this matter has a great chance of success." ”

He glanced at Lu Xu, and there was more disdain between his eyebrows, "The Great Song Dynasty is short of money, and the people have money, as long as the money can be lured out, everything will fall into place." The minister agreed. ”

Wang Anshi has been thinking about how to solve the people's suffering, and after leaving the class, his words made people feel excited.

"Your Majesty, for a long time, the people have been unable to live that day when there is a shortage of green and yellow. The ministers have thought of many methods, and they also thought that the local government will preside over them, and if the people are short of money, they will lend to them at a lower interest, so that the people can tide over the difficulties......"

Isn't this the prototype of the Seedling Method in the future?

Lao Wang still thought of this!

Shen An secretly admired it, but he was not optimistic about the Qingmiao Method.

"Kechen thought about it, but found a problem." Wang Anshi looked very painful, "The minister originally wanted to pay a maximum of two points of interest, but will the local officials take advantage of the fire to rob?" Got a three, a quarter, or even a ten? I thought it was very possible. In this way, the good law becomes the law that harms the people......"

Lao Wang actually figured it out?

Shen An couldn't help but laugh.

These are butterfly wings, right?

"If the government is not clear, then this law is not feasible." Wang Anshi seems to be very sober about this.

Zhao Shu praised: "Wang Qing's words are very true. He said to Shen An: "How is this done? ”

Shen An said: "Qianzhuang is a Great Song Dynasty Qianzhuang, which can be under the sole jurisdiction of the three divisions, and local officials are not allowed to interfere, which is necessary." ”

After the implementation of the Historic Seedlings Law, it became a tool for local officials to accumulate wealth and make political achievements, which was miserable.

Zhao Shu nodded.

"The second is that there is no limit to loans, there are those who have, and there are none." Shen An is well aware of the disadvantages of the next indicator, so he is very sober, "After the money bank goes down, he is only responsible for collecting money and depositing money, as well as loans. The only thing is that local officials are obligated to provide information about lenders. ”

Otherwise, loan fraud occurs frequently, and this matter will not be done.

"In the end, the interest rate should be low, so that the people will not go bankrupt!" Shen An arched his hand and said: "Your Majesty, the people of the Great Song Dynasty are much better now than before, but if they encounter natural and man-made disasters, they will still be ruined." Therefore, please follow the law of the bank. ”

This is the new law again!

Shen An didn't even entrust Qian Zhuang, but named it in the name of the new law.

What is it?

This is a declaration of war!

Zhao Shu couldn't help but perk up and said, "You have discussed this matter with Han Qing a lot, and you are ready to report it to me." ”

That's consent.

Shen An was overjoyed and said, "Yes." ”

These years of business experience and court experience have made him very familiar with the situation of the Great Song Dynasty.

Coupled with what he had heard and witnessed in his previous life, he had the confidence to succeed in this bank.

And once the money bank is successful, a variety of benefits will be revealed one by one. The Great Song Dynasty at that time......

At that time, the Great Song Dynasty was able to use financial means to stir up the situation, and a bloodless war became possible.

He turned around, looked at the sunlight outside the hall, and smiled slightly.

This Da Song is really happy!

……

The third is sent, good night. Double the monthly pass!