Lending has been one of the fastest and easiest ways to make money since ancient times, and usury is one of the best, compared with merchants and businessmen, the cost of usury is relatively small, the risk is small, and the profit is very high.

Rixingchang cabinet is not a good place, opening the door to do business is to make money, and the means of profit is to lend, but there is no usury.

For people who want to borrow money to save the emergency, they will give priority to Rixingchang with lower interest rates to borrow money, so those who lend usury will have their business affected, but in the territory of the Huangzhou Governor's Office, they can make a lot of money by doing serious business without usury, so this contradiction is not obvious.

However, the business scope of Rixingchang Cabinet Workshop cannot be limited to the Huangzhou Governor's Office, and it will inevitably expand outward, which will offend usury in various places, make countless enemies, and become the target of public criticism.

The "usury practitioners" in these years ranged from the powerful and powerful lords, wealthy officials from all over the country, big families, landlords of the Shu clan, and powerful clans, and the strongest of them were temples in various places.

The temple lends usury, the 'turnover' is amazing, and the profit is quite large, and the temple has many good men and women as the backing, including many powerful families, the children of the big families, once offended the local temple, the day will never be peaceful.

This is not alarmist, in the case of the Zhou State, before Emperor Wu destroyed the Buddha, the dependent households of the temples in the Zhou State were almost half of the number of households in the government, and the situation in the Qi State at the same time was similar.

In addition, most of the powerful people believe in Buddhism, and even give up their houses as temples from time to time, and donate a lot of land to the temple at every turn.

If Ri Xingchang carries out the lending business of low-interest loans in various places, it will inevitably anger the local usury temples, and offend such forces, Ri Xingchang should not want to live a good life.

And that's not all, because in addition to civil society organizations, there are also official institutions that lend usury.

The government is also operating a money lending business, and this kind of money used for lending is called "public party money" or "public party capital", and public party money has existed since the Yuan and Wei dynasties, and the official lending system has been officially implemented in the Zhou State today.

The profits from the public party money are used to supplement the government expenses for the regular food expenses of the officials below the Zuo Shi and the materials of the officials, and the corresponding officials are responsible for the lending of the public party money, and their lending performance will be included in the selection and evaluation, which is directly related to the promotion of these officials.

Most of those who are responsible for lending money to the public government are handled by the wealthy officials in various local governments, and it is difficult for these officials to get promoted, so they rely on the money of the public party to lend money to make profits, and if someone affects their interests, all kinds of dirty means can be used.

If it is in the territory of the Huangzhou Governor's Office, no official dares to mess around, but it is different in other places, the official is the local head snake, and he has connections and connections in the government and the people, and it is very easy to stumble on the prosperity of the local business.

Purely in terms of doing business, we should uphold the belief of "harmony and make money", and deal with counterparts in various places, and Rixingchang wants to carry out business in various places, and put low-interest loans, which is a direct declaration of war against local usury, and it will inevitably make countless enemies.

Why did Ri Xingchang do this? It's very simple, because at the beginning of the establishment of Ri Xingchang, it was to go to such a goal, just as the Hulin Army was a knife of the King of Xiyang, Ri Xingchang will be another knife, a soft knife that kills people without blood.

All the shareholders attending the meeting today understand this truth, the purpose of the establishment of Rixingchang is to deal with usury in various places for the king of Xiyang, and now the weapon of Rixingchang to attack the other party is a loan, called "Qingmiao Loan", which has been launched last year and has achieved very good results.

The so-called seedling loan, that is, when farmers start farming (spring ploughing), borrow money to buy seeds, farm tools and even rent cattle, and use the harvest to repay the loan in the harvest season.

In order to avoid the grain being cheap and hurting the peasants, the peasants can use grain to repay the loan when repaying the loan, and there is no need to sell the grain for copper money to repay it again, and the interest rate of the green seedling loan is 10 percent, and if there is no harvest in the disaster year, they can repay it again in the next year, of course, the profit should be appropriately raised.

The only way for many poor farmers to borrow money to buy seeds and farm tools during spring ploughing is to ensure that they can harvest in the autumn and pay rent.

However, it is difficult for them to have the opportunity to borrow money at low interest rates, so they can only turn to usury, and the interest rate of private usury is generally 30%, and the interest rate of public money in the government is generally 20%.

Farmers who have borrowed usury can only continue to borrow in order to farm to repay their debts and support their families in the coming year, and then they will be able to pay off their debts and never turn over.

Therefore, lending usury to peasant households is the basis on which usury practitioners rely to make money, and many large landlords and powerful clans rely on usury to bankrupt one yeoman farmer after another, and then become their tenant farmers, and the land is also annexed by them.

The consequence of this is that the government's tax revenue has plummeted, and it is unable to provide disaster relief, and finally the people everywhere have risen up, and the country has died in internal troubles; Or they were unable to support the army and died in the invasion of foreign enemies.

For this reason, the king of Xiyang hated usury, and needed Rixingchang to try to solve or alleviate this problem.

And now, Rixingchang is lending green seedlings at an interest rate of 10%, which has benefited the farmers but has put the official and private loan sharks in dire straits.

So, why did Rixingchang still launch a low-interest "green seedling loan" to intensify the conflict?

Whether the peasant households can cultivate the land, pay the land rent in a timely manner, and the household survey is a matter that any ruler must be concerned about, and from the bright side, most of the policies of the imperial courts of the past dynasties advocated the suppression of usury.

Therefore, no one can attack the "green seedling loan" that is obviously beneficial to the people, and can only make shady moves.

The so-called open guns are easy to dodge and dark arrows are difficult to defend, and it is true that dark moves are difficult to defend, but for Ri Xingchang, it doesn't matter, because as long as the opponent is killed, it will be good.

People who lend usury rely on eagle dogs to lend and collect loans, and if they want to make a bad move, they will inevitably instigate some splashes and gangsters to take the lead, and if Ri Xingchang wants to see the tricks, he will be unable to deal with them, so the easiest way is to kill people.

At this time, Wang Yue's words were murderous: "The loan shark dares to use the dead and the skins to stir up trouble, and Ri Xingchang will use the dead soldiers and the skins to exchange one life for another, everyone competes to consume people's lives, see who can consume whom!" ”

"If the usury temple dares to stir up trouble, then there will be thieves who will wash the temple in blood, if the officials dare to stir up trouble, then the whole family will die, if there is a strong man who dares to stir up trouble, the children of the clan will be killed by vendetta and love!"

"Those who dare to stop Ri Xingchang from lending low-interest loans will all have to pay the price!"

"The king will deal with the difficulties on the official's face, and whoever dares to make a trick will be solved by us sending a dead man to kill! Don't talk nonsense with them! ”

"Even if Ri Xingchang becomes the target of everyone, as long as the king has soldiers, who will we be afraid of?"

Wang Yue's words, none of the shareholders present felt that it was exaggerated, the dart line and slave hunting team owned by the Huangzhou business group were not vases to be seen, and they were promised generous pensions to send people to be dead soldiers and opponents to die together, how many such people would be.

The king of Xiyang wants to deal with usury, some dirty work is inconvenient to do, then it is up to the people of the business group to do it, the rules of the game in the lending industry must be changed, the new rules, by Ri Xingchang has the final say!