In the spring of the fourth year of Kaiyuan, it seemed to be exceptionally cold.

Heavy snow fell in Luoyang City, and it rained for more than three days, and many houses in the city collapsed.

Sun Wuji, the newly appointed mayor of Luoyang Prefecture, ordered the young and strong people in the city to go out in an all-round way to help remove snow and save people, and on the other hand, to resettle the affected people. At the same time, he also asked Jin Wuwei for help.

The emperor sent Jin Wuwei, who was in charge of the security of the capital, to help with the disaster relief, and also transferred the Northern Ya Forbidden Army and the internal army to dispatch.

As a result of the timely rescue and resettlement, although many people in the city were affected by the disaster and many houses collapsed, only a dozen people died of crushing and freezing and starvation, and it has to be said that this is almost a miracle.

At the court meeting, the emperor praised the newly appointed Luoyang Mansion Yin.

After the next dynasty, the emperor summoned Yin Changsun Wuji of Luoyang Mansion and Gao Shilian in the Ministry of Rites in the Yisui Palace.

After listening to the latest situation reported by the eldest grandson Wuji, Luo Cheng was very satisfied, the snow finally stopped slowly, and the disaster was under control. The government treasury pulled out a large amount of charcoal to help the people, and many people whose houses were damaged were also relocated to safe places, and everyone finally survived.

"There are forbidden soldiers in the city to help, the situation is not bad, but there are more than 20 counties outside Luoyang City, but there are also timely rescues?"

As the Yin of Luoyang Mansion, the chief of Zheng Sanpin, the young eldest grandson Wuji is not only responsible for the city, but also for more than 20 counties outside the city, he is the governor of more than one million people, and the palms and backs of his hands are full of meat.

"Back to Your Majesty, the situation reported by the counties is very good, Luoyang Mansion has fully dispatched government soldiers, county soldiers, township regiments, and militia to help the disaster with all their might, and everyone has worked together to perform extremely well."

Luo Cheng nodded with satisfaction.

Disasters occur every year, the key is still the ability of the imperial court and local officials to organize and rescue, and this time Luoyang Mansion performed so well, the most important thing is not all the credit of the eldest grandson Wuji, but the imperial court had a plan before, so when the disaster occurred, the government at all levels should implement it in accordance with the plan.

The performance of the eldest grandson Wuji is good because of his strong execution ability, with a good plan, and then a good execution, so everything is fine.

"Although the snow is about to stop, but still can not be taken lightly, all say that the snow is not cold and the snow freezes, you have to do a good job of cold protection and frost resistance, especially for those who are lonely, widowed and disabled, but also take care of it, you Luoyang officials in Luoyang Mansion should go to the counties to squat and take responsibility, the county should also send officials to the countryside to squat and do it, and the township should also send officials to the village. It is necessary to form layers of drying, and there is a special person in charge, so that no one will freeze to death in this snow, and another person will starve to death. ”

This practice of squatting is one of the powerful means of the Celestial Empire in the later generations, and Luo Cheng feels very powerful.

"For the houses that have been destroyed by the people, the government should also register, and the court can appropriately ask for help and subsidize a part, and then report to the court, and the court will allocate a special amount of money to use as an interest-free loan to the people to repair and rebuild the houses, so that the people cannot be left without a fixed place to live in this cold spring."

Luo Cheng is a person who has lived and grown up in the later generations, so he has a strong experience, that is, the stability of the Celestial Empire in the later generations. Stability takes precedence over everything else and is the basis for all development.

Giving the people a place to live and food to eat is the premise of stability.

Granting interest-free loans to disaster victims, and at the same time cracking down on usury for disaster gains, is what Luo Cheng strongly advocates. In the past Sui Dynasty, because of the unreasonable tax system, local officials did not even have a salary, and they all relied on the income from their jobs. The government has no office funds, and relies entirely on public land and public money.

The imperial court gave another sum of money to a piece of land, and then the government handed over the money to the sons and daughters of the people, and let them lend money, charge high utilization for office expenses, and its monthly interest rate reached 8 percent, and the annual interest rate was almost doubled, I have to say that this is very high, and it has also had a bad impact on the imperial court.

So now Luo Cheng has already banned this kind of public money and banned private usury.

In the face of such a disaster, he even allocated money and food to give free loans to the victims.

Even now that spring has just begun, the imperial court is already discussing the adoption of one of the emperor's green seedling laws. The so-called green seedling method is actually that the people can apply to the imperial court for a loan in the spring, which can be used to buy seeds or rent ploughing cattle and other production needs, and then after the summer harvest, they will repay the principal and interest, and the interest is very low.

In fact, the Qingmiao method appeared in history at the end of the Tang Dynasty, and was improved when the Northern Song Dynasty changed the law, which was originally a good law, but later it was crooked for various reasons.

In the Northern Song Dynasty, the Qingmiao method was to take out the grain stored in the state's regular warehouse, convert it into money, and then lend it to rural farmers or city residents, and then collect interest.

In doing so, we can crack down on and curb usury among the people, and second, we can alleviate the needs of the people.

The interest rate of the BIBS method is 2 cents, which is 20% per annum.

Compared with the 96 percent annual interest rate of Sui Gong's money, it is obviously much lighter, and much lower than that of private loans.

However, the Qingmiao Law of the Northern Song Dynasty was deliberately messed around because of many anti-change factions, and there were still some inadequacies, which made this beneficial law eventually become a law that harmed the people.

Luo Cheng is discussing the Qingmiao method, which is a half-year loan with an interest rate of 10%. The spring loan will be repaid after the summer harvest, and the summer loan will be repaid after the autumn harvest.

The capital of the Qingmiao Law also comes from the state's standing reserve grain, and the imperial court takes out half of the money and grain, and uses it as the capital to lend Qingmiao to support the people, and then after recovering the principal and interest of the money, it will then use this money to buy grain from those grain-producing areas.

The price of grain in the grain-producing area will definitely be relatively cheaper, so that the grain can be stored in the warehouse, which can not only ensure the reserve grain of the imperial court, but also make the imperial court benefit from this grain price difference.

Luo Cheng set a red line for the Qingmiao Law, that is, the government is strictly forbidden to force the people to borrow, let alone outsource the money and grain to lend, and the grain that is often closed is only allowed to be lent at most half. Interest is also fixed, and officials are prohibited from raising interest rates privately, even if they cannot repay them when due, they are not allowed to continue to raise interest rates with compound interest.

In addition, the BIBS loan is not given to the upper three of the ninth-class households, except in a special year of disaster.

The loan period is half a year, and it shall not be collected in advance, so as to avoid the situation that the real interest is two or three points because of the apparent interest penny, but the actual interest is two or three points because of the early interest collection.

At the same time, when repaying loans, money can be used for goods, and the ultimate purpose is to facilitate the people, especially the ordinary people, so that they will not be trapped in debt.

In the event of a disaster like the current one, Luo Cheng asked the imperial court to issue a disaster relief regulation, so that local governments could use the money and grain of the righteous warehouse and the community warehouse to rescue the people, release grain for disaster relief and interest-free loans.

"There is another thing, there are more than 20 counties in Luoyang, with a population of more than one million. As far as I know, the implementation of the Juntian Order is not too smooth? ”

"Back to Your Majesty, the land of Luoyang, has always been narrow for the people, and this is located in the heart of the Central Plains, so the powerful and wealthy have bought land to buy land, and the annexation is serious, although the imperial court has granted the people the land of the ownerless land and the public land of the government, but the people have to grant the land is still far lower than the number of acres of land in other counties, on average, only about 20 acres of land is granted to a ding."