The crown prince couldn't listen to it anymore, he felt that his father was too ruthless.

It's even a bit of a bully, like those brutal faint kings who listened to the story before, it's too bullying. But faintly, he admired his father very much, and those barbarian kings came one after another to ask for his father's help.

Luo Chengyi turned his head and saw that the prince had a complicated expression there, so he stepped forward with a smile and patted the back of his head, "What are you thinking?" ”

"Erchen is thinking, didn't my father say before that the monthly interest rate of the loan is up to three percent, and the annual interest rate is up to three or six percent? If the annual interest rate exceeds three or six percent, the agreement on the excess part of the interest is invalid, is it usury, and the imperial government does not support it, and will it be severely cracked down? ”

Luo Cheng took the prince's hand, "Let's go, go out and take a walk." ”

The palace of Chengtianfu was built in the Nanshan Village of the Luo family in the past, but the appearance has completely changed, where can you still see a little shadow in the small mountain village in the past, there are garden rockeries everywhere, small bridges and flowing water, and the tall palaces and pavilions are atmospheric and brilliant.

"This used to be a very small stream, which originated from the Nanshan Mountain over there, and the water was usually very shallow but very clear, I used to come here with your sixth uncle to fetch water, and your fifth aunt also used to come here to do laundry."

It's just that now this creek has been renovated, twists and turns, and there are railings and pavilions on both sides, which are very beautiful, and many beautiful flowers and plants are planted in the stream.

"It's beautiful here."

"In the past, this place was not so beautiful, it was all weeds, and the banks of the creek and beach were not repaired at all, it was just a pure natural crookedness, and there were often snakes in the grass. Once, your sixth uncle and I caught a big snake that almost bit your fifth aunt, cut off the head and skinned it by the river, and then took it home, stewed a big pot at the door, and added a few chickens to it, and I still remember the deliciousness of the soup. ”

However, Luo Cheng saw that the prince didn't seem to have much feeling about these, indeed, everything here is so beautiful now.

"Prince, do you know that in the past Sui Dynasty, the imperial court even let the local government take money and lend? And the interest rate is very high, with a monthly interest rate of 8% and a one-year term. Over the course of a year, plus the hard-earned money given to the money catcher, then the interest is double the principal. ”

"That's a lot of interest."

Prince Road.

"You may not understand the meaning of doubling the interest for a borrower, a one-year loan can only be regarded as a short-term, generally 10,000 yuan to make a loan, the imperial court originally intended to lend to those private businessmen to turn around and operate, so the interest is also higher, and the interest earned is then reserved for local yamen to do public expenses."

But in reality, the local yamen only ask for interest, and they don't care who they lend to. They even asked the children of officials or local tycoons to be the money catchers responsible for lending, and each money catcher directly paid 10,000 yuan, and at the end of the year, they demanded that the principal and interest of 20,000 yuan be returned.

As for whether they let it out or not, they don't care.

These money catchers are either the children of officials or the children of local tycoons, and when they get this task, they often forcibly apportion loans to the people below, and sometimes even profit from them, and the government only gives one person 10,000 yuan capital, but they add a lot of money to borrow it by force.

At the end of the year, what is successfully harvested is your own. If you can't collect it, that is the capital of the government, so you have to arrest people to the yamen to be punished, and even use the name of the court to rob things to pay off debts.

Of course, in the event of a famine, the interest rate of private loans is sometimes higher, and there are countless donkeys rolling, nine out of thirteen, and so on, and usury is very harmful, and once the people are saddled with usury, it is basically difficult to turn over. Therefore, the imperial court has already set a law, the annual interest rate is up to three and six cents, the earliest is five cents, and later it is reduced to three or six, just to prevent the people from being harmed by this scourge. ”

"Father, but why do you want to give the barbarians a point or two of usury?"

"First, the barbarians are not my people of Great Qin, they are just aliens. Second, the barbarians borrowed a large amount of money, and it must take a long time, and it is impossible to repay it in a short period of time, so the interest must be higher. ”

"But isn't this a pit for those barbarians, didn't my father say that it would be good to make an alliance with them?"

"Prince, between countries, interests come first, there are no eternal allies, only eternal interests. Today's Persia may become an enemy in the future, so don't be polite when you can make a profit. You know, the Persians have been in control of the trade between the East and the West for hundreds of years, and they have made a lot of money. A horse of silk from our origins, but when it was sold to Rome by Persian merchants, it was more expensive than gold. The same is true of the pepper taken by the Tianzhu people, and as soon as they change hands, they sell it for more than silver. ”

"In the past, we merchants in the Central Plains also had to pay high taxes, and our merchants were exploited by them, and even our royal merchant fleet had to pay them countless customs duties every year."

Now that they have a request for Daqin, how can Daqin be polite to them.

Not only should the prices of the weapons sold to them be high, but they should also only be given foreign trade-type ones, and the money lent to them can only be sold weapons, not to mention that the interest rate must also be higher.

The ten-year term has to pay an annual interest rate. For 20 years, at least 15 cents, and 30 years for 2 cents.

If they don't give them compound interest, they are already merciful, otherwise they will be ruthless if they calculate interest on a monthly basis and roll interest on a monthly basis.

"Actually, my father is not ruthless, I have room for them, this half of the annual interest, I can borrow so much, and we will be Daqin and the royal family, otherwise, who else can they borrow so much money? I don't have any holy relics like the Holy Cross in Jerusalem, or the crown of the Persian emperor, or anything like that. ”

"Of course, if this tariff can really be obtained, it is actually a really good thing, it is not only a matter of how much money can be charged, but also by mastering their tariff rights, it can help Daqin's commercial goods enter their country more smoothly, and can open up a larger market for our foreign trade."

"Father." The prince squeaked.

"If you have anything to say, just say it."

"The son thinks that his father should really be a businessman."

"Your father and I started from scratch and earned a world and a world, is there a more powerful businessman in this world than me?"

Luo Cheng patted his son on the shoulder, the traffic in this era is too inconvenient, otherwise he really wants the prince to take a royal merchant ship and go around Persia, Egypt, Rome and other places to broaden his horizons.

"Father, the queen mother lost her temper again today." Prince Road.

Luo Cheng had a headache, he knew that it must be because of the matter of asking Persia and Rome to send the princess to make peace, plus the daughter of Su Ma Zi and Princess Silla, etc., this time his harem had to add hundreds of princesses from various countries.

Shan Binbin's vinegar jar has long been overturned, usually one or two, but this time it will be more than a hundred at once, who will accept it.

"Prince, I don't love beauty, this is just a political trick. You must remember in the future that as an emperor, in fact, women are not only about eroticism and sex, but also about the interests of the court and the stability of the country. ”

"Ah, do you still need a woman to stabilize the country?"

"It's not all up to women, but sometimes it's really inseparable, you're still young now, and you may be able to understand it when you grow up."

"Father, when I grow up, can I choose the crown princess by myself?"

Luo Cheng was stunned, "If you really have a girl you like, you can tell your father first." ”

"What if she's just a normal girl?"

"Then you can also marry her, but you don't have to let her be the crown princess, you can also make her the crown princess, isn't it the same to follow you when you become a crown princess?"

The prince seemed to understand this, and looked a little distressed.

Luo Cheng patted his son on the back, "It's still early, don't be in a hurry to think about these things now, when the day comes, you can come and tell your father again, and your father will think about these with you." ”

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