The great northern drought in the summer and autumn of 1282 highlighted the importance of Western Australia.

The bumper harvest of the special cotton fields has made countless people blush.

Previously, the Da Song Money Bank led by Jia Laogou was guaranteed by the government, and its access conditions and credit conditions were similar to those of the Liuqiu Money Bank, so it made considerable profits.

However, the establishment of the Great Song Dynasty Royal Money Bank at the same time is slightly inferior------- although the Great Song Dynasty economy is huge, but it seems that it can not accommodate the three big money banks, the competition is a little fierce, plus other large and small private money banks have sprung up like mushrooms after a rain, stealing a lot of business.

On the commercial street in Lin'an City, just like in Badaohe City, there are really more money shops than rice shops.

Jia Laogou was a little anxious about the affairs of the Great Song Dynasty royal money------ the reason was very simple, when using the money of the Great Song Dynasty treasury, he was always constrained by his opponents, and if he used the royal treasury to do it in the name of the royal family, it would be much simpler.

Empress Dowager Xie really trusts him, and he can always listen to him eight or nine times out of ten.

Therefore, the affairs of the Great Song Dynasty Royal Qian Xing are also his business, but he is not too concerned about the Great Song Dynasty Qian Xing------ the opposition is too closely watched.

Jia Laogou and his staff discussed it, and put forward a few solutions.

The first is to find a way to drive away the money bank and replace it with the royal money bank of the Great Song Dynasty.

The second is to put the target of loan operation on local strength officials, and use this as one of the contents of the evaluation of political performance.

The third is to rectify the royal money bank of the Great Song Dynasty.

Liao Yingzhong, the head of his staff, said:

"I've been studying the theory of the flow of economy recently, and found that the means they use are all methods of sucking the blood and sweat of my Great Song Dynasty, and when the book is written, please ask Pingzhang to ------ now, what kind of big business country they have established, and they can no longer be treated as people outside the country, I think that they can completely cancel their right to run a money store in the Great Song Dynasty and confiscate their shops!"

Jia Laogou's face was a little unbearable when he heard this, this Liao Yingzhong, who was originally obsessed with ancient books, is now very interested in economic principles------ but you can't just look at one and not read the other.

It's easy to get rid of the money bank, but there are too many problems involved.

On the larger side, at the national level, the Tatar bandits were far from completely stable; On the small side, there are many livelihood issues------ private aspects, and among the people here, except for you, the rest probably have something to do with Liuqiu Island.

The Jia family bought more than 200,000 acres of paddy fields on Liuqiu Island!

Jia Laogou absolutely trusts Liao Yingzhong------ but he is just a person who admits death.

Sure enough, the other aides categorically opposed the first article, for all seven or eight reasons, but they all made sense.

Liao Yingzhong was not angry, he took out the Liuqiu pen and wrote down other people's reasons in a small notebook, it seems that he is indeed a scholar.

The third method Jia Laogou directly denied, there are many royal relatives in the money bank, what is the rectification? Which one will not offend anyone??

At the critical moment of the struggle between the two factions, the people could not be pulled.

Only the second one remains.

Liao Yingzhong sighed and said, "Isn't that the old way of Wang Anshi's good intentions to do bad things?" ”

Jia Laogou also sighed, who said it wasn't------- the two methods were too similar------

During the reign of Emperor Zhao of the Great Song Dynasty, usury was rampant, resulting in the bankruptcy of many lower-class farmers.

Wang Anshi's implementation of the "Green Seedling Law" was originally intended to achieve mutual benefit between the state and farmers.

The law stipulates that, if necessary, peasants can borrow cash or grain from the local government before the summer and autumn harvest each year to subsidize farming, and repay the government with a part of the interest on the harvest, so that the peasant households with difficulty in capital turnover will not be exploited by usury, and second, it will not affect agricultural production, and third, the government can also collect some interest to increase fiscal revenue.

Wang Anshi was very confident in the implementation of the Qingmiao Law at first, because he had tried this law as early as when he was the official of his parents in Yin County, and the effect was very good.

Later, Li Shen, the Shaanxi transport envoy, and Wang Guangyuan, the Jingdong transport envoy, coincided and successively carried out "pilot projects" in their own jurisdictions, and both achieved good results.

For the sake of prudence, before the formal implementation of this law, Wang Anshi deliberately carried out pilot projects on Hebei, Jingdong, and Huainan roads, and only after gaining experience did he officially promote it to the whole country------ moreover, before promulgating it, he also specially added a clause of "prohibiting and suppressing allocation," that is, prohibiting the forced apportionment of loans.

But it is such a law, but when it is implemented across the country, the opposite happens:

In some places, things are done in strict accordance with the regulations of the imperial court, and if they are implemented well, the people will benefit from it, and they will very much support this law, and the common people will happily sing the praises of the imperial court.

In other localities, however, serious deviations have occurred, and the main reason for this is that these local officials do not act in accordance with the regulations, and in the course of actual implementation, they try by all means to lend more loans and charge more interest, and they do not hesitate to issue targets at various levels to forcibly apportioned loans, especially to the rich households who do not need loans but have the ability to repay them, but are unwilling to lend to the poor peasants who really need them.

Naturally, the people complained about the new law.

For example, the interest rate is set at 20 percent for six months, but local officials often raise the interest rate to 30 percent or more.

For example, in Shaanxi, peasants borrowed one stone of old rice from the government, and when they returned it, they would receive one stone, eight buckets, seven liters and five hes of new good wheat, "and the profits they took were nearly doubled."

Some reports even say that the real interest rate has reached 3 to 5 times the original setting.

If the peasants think that the interest rate is too high, they will not borrow.

But what is terrible is that the magistrates not only raised the interest rate without authorization, but also "suppressed the allocation", that is, forcibly apportioned, assigned tasks, set targets, and forced the people to borrow money.

In order to ensure the recyclability of the green seedlings money, the new law originally stipulated that "more than five households are guaranteed by one guarantee", and everyone agreed on how much money to borrow, and everyone guaranteed each other.

However, in the process of implementation, it turned out that the government forced the rich households to provide guarantees for the poor households of all levels, and apportioned the seedlings to the households of all levels.

If the poor are unable to repay the money, they will ask the rich to take the money, and pass on the risk of the loan to the rich household!

Jia Laogou was worried, if he used the second method, would something like this happen?!

One of the aides suggested that the inclusion of the political performance should not be publicly proposed, but could be secretly reminded and the local officials would be able to take notice------

Jia Laogou shook his head and refused at that time, this is definitely not a good way!

The way to engage in politics is to be above board, and everything must be said to others, how can you be a fly and a dog-------

Another staff member suddenly asked: "The private pledge treasury and mortgage treasury in the era of Zhao Ji of the Great Song Dynasty Shenzong are far less than the big and small money banks now, so why haven't there been a few cases of usury hurting people now?"

I've heard that there are more money banks on Liuqiu Island, and some even go to Australia to run their businesses, but why haven't I heard of usury hurting the people? ”

This question is a bit off-topic, but it still arouses everyone's thoughts------- especially Liao Yingzhong, who bit the pen and frowns and thinks deeply.

PS:d Thank you for the tip.