The old man shook his head: "I don't know, I don't hear the accent like a local, my face is tight." ”

"Thank you, uncle," Zhang You saw that the shopkeeper of the silver number had not yet appeared, so he continued to talk with the old man: "Xiao Ke heard that the Daming silver number allows ordinary people to borrow five hangs of money per family, without interest, and pay it back next year, is there really such a thing?" ”

"Little brother is well-informed, but looking at you like this, it doesn't look like you're short of money, right?"

Zhang You felt a trace of vigilance from the other party's tone, and said with a smile: "Xiao Ke's family has a little extra money, and there is indeed no shortage of money, but I just think it's strange, how can the people around here have thousands of households, right?" A family of five hangers, calculated to tens of thousands of taels of silver, not a cent of interest is charged, so what is Ming Wei Botu? ”

"You don't understand that, do you? The old man is the reincarnation of the Bodhisattva, and he specially went down to the earth to rescue the suffering people......"

"Come on, I think he's just so that we can all plant the corn and sweet potatoes he said, otherwise, why do you have to sign the paperwork to borrow money and use these two things to settle the bill?"

The conversation between Zhang You and the old man attracted the attention of others, and a middle-aged man in his thirties interjected sourly.

As soon as the words fell, another man in short clothes and open-mindedness echoed: "I think so, I have never heard of any corn and sweet potatoes, they must be particularly valuable, when the time comes, he will give us a low price to offset the account, and then sell it to others at a high price......"

The middle-aged man interrupted him and said, "I'm not worried about this, what I'm worried about is that we all grow these two things, in case the things that come out are just enough to pay off the bill, what will we eat?" ”

"Don't talk nonsense, Ming Weibo is not that kind of person, didn't everyone in the yamen say it, the yield of corn and sweet potatoes is particularly high, and it is also resistant to waterlogging and drought without picking the land......"

"Old grandson, do you believe what you said at the yamen?" The middle-aged man said disdainfully.

It turned out that the old man's surname was Sun, and he only listened to him: "If it was left in the past, of course I don't believe it, the current Master Kang is a good official, not only him, but Ming Weibo is also a good person, even if you think that the silver number borrowing money is a trick, people pay out of their own pockets to build the reservoir for us is always for our people, right?" ”

Now the two of them stopped talking, and now the dam has begun to hire people to make stockpiles, not only to feed every day, but also to pay wages, which was unimaginable before.

While speaking, there was also movement in the silver number, and Yan Zhiping, the shopkeeper, appeared, and the short-dressed man with an open heart shouted, pointing with his hand, drawing everyone's attention over.

Lan Qi leaned next to Zhang You and whispered, "It seems that the big guy is not very interested in the corn and sweet potatoes you promoted?" ”

Zhang You lowered his voice and smiled bitterly while paying attention to the movement inside: "Then what can be done?" No matter how good the pie painting is, it can't satisfy their hunger, only let them see the effect, otherwise, no matter how good it sounds, they won't believe it. ”

"Actually, I don't believe that corn and sweet potatoes are really as good as you say?"

"It's useless to say for a long time, let's let the facts speak...... Shhhhh ”

Zhang You pointed inside, so Lan Qi didn't say much more, and listened attentively to what was being said inside.

Yan Zhiping is the account room brought out by Zhang Chang's family, Lao Cheng is serious, and he was sent to create a silver account to take care of Miyun, at this moment he and the eight-character Hu have finished greetings, and they have entered the main topic.

I heard Yan Zhiping say: "Does Mr. Li still want to pledge the loan today?" This is the fifth Golden Buddha, right? ”

The eight-character Hu was originally surnamed Li, and said proudly: "That's right, it's the fifth, don't borrow much, still borrow 5,000 taels of silver." ”

"I'm sorry, I don't have much money, if we continue to borrow like this, I'm afraid we will close down......"

"I don't care, since you're open for business, you can't go out to pick up customers...... Besides, there is no money for these four golden Buddhas, and more than 20,000 taels of silver dare to open a silver number? I still have more than 20 Golden Buddhas in my hand, if you don't have money, I advise you to close your business as soon as possible, and I can also go to the newly opened Jushunyuan Silver Account to have a look. ”

"Ju Shunyuan?" Zhang You listened unfamiliar, and couldn't help but look at the old man next to him, and saw that he was also confused, obviously he had never heard of this name.

"What does Jushunyuan do? Is it also a silver number? Why haven't you heard of it, it's also in Miyun County? Someone asked Zhang You a doubt.

There is no need to listen with prickly ears, Mr. Hu Li's voice seems to have suddenly installed a loudspeaker: "Haven't heard of it? Isn't it just on the street at the East City Gate, could it be that it is newly opened? ”

Zhang You smiled, for a soul like him who has been baptized by various propaganda and planning in later generations, such advertising methods are simply clumsy to the extreme, and the ideas that any elementary school student in later generations come up with are better than this.

Having said that, the effect is indeed obvious, and people have inquired about the source of Jushun, and asked what business Bazi Hu is engaged in, and what is the interest rate...... Every word you say to me, gossip, messy.

"Isn't the silver number just an exchange and a loan, what else can there be...... Interest? The interest is not high, and the interest is ...... There is no limit, as long as the collateral is suitable, you can borrow as much as you want......"

Mr. Hu Li is proud of the shore, at this moment has become an enthusiastic commentator, with his explanation, the atmosphere became more and more intense, I don't know who greeted him, actually attracted most of the people to follow to see what happened.

This can't be blamed for everyone's enthusiasm, Taizu Zhu Yuanzhang demanded in the "Taizu Sermon" that "in the future, the interest shall not exceed two or three cents".

The law of the Ming Dynasty stipulates: "All private lending of money and debts and pawn property shall not be more than three points per month, although there are many years, but one book and one profit; Violators will be punished with 40 lashes, and the stolen goods will be counted with surplus profits, and the heavier ones will be punished with 100 rods. ”

"One book, one interest" means that the interest rate is 100%, and the edicts of various periods and local governments at all levels deal with debt cases, and when formulating relevant policies, they basically follow the provisions of this upper limit and the total amount of interest.

Regarding the "interest on the profit" (that is, compound interest), the Ming law is forbidden to this, the Ming law "although there are many years, but one profit", that is, the upper limit of the total interest is 100% of the capital, Ming Taizu also requires, "if the years and months expire, the calculation is endless", to punish the crime.

Having said that, it is still impossible to hide the fact that the lenders are usurious, and Daming Silver adopts a lending interest rate of three cents per month, which is an important reason for its rapid development.

Now that Ju Shunyuan only charges one cent of profit, which is one-third less than the Daming Yinhao, it is no wonder that people are so excited.

The middle-aged man also followed to see what was going on, but Sun Laohan and the man in short clothes did not leave, at this time the onlookers were already more than half, the glance of the shopkeeper Yan found Zhang You, and hurriedly bowed, Zhang You saw this, and hurriedly separated the crowd and walked in:

"Shopkeeper Yan has always been good, huh? Xiao Ke is polite. ”

"You're polite," the shopkeeper Yan saw that Zhang You didn't want to reveal his identity, so naturally he wouldn't break it, but who knew that the eight-character beard interjected: "You won't be Ming Weibo, right?" While speaking, his eyes swept Zhang You's lame foot, and he didn't use honorifics, looking a little disdainful.