In ancient China, even businessmen generally did not borrow money unless they had to do so, and when they had to borrow money, it meant that they probably did not have the ability to repay the loan. Therefore, a cent of interest, in exchange for private loans in ancient China, no one will borrow at all.

This is the so-called big loan for the aftermath, but it involves those industries with higher value, as if it is a stepping stone, and if you don't borrow, you can't recover the industries of more than 20 acres.

As for the dividing line of twenty acres, twenty acres of land in this era can barely support a family under normal tax payments, and it may still be somewhat rich, but it is not enough to make a fortune. And more than 20 acres, who can be forcibly robbed of so much land by Ma Jinbao and his subordinates but can still survive, how can the family have a way to get the money of this loan, but what they get is an industry whose value is much higher than the value of the loan itself.

Besides, wouldn't the borrowing still repay the principal and interest?

Although the government will repay the money borrowed, no one will believe it, but this Chen Dashuai has a good reputation among the people so far, he is strict in governing the army, and the military discipline is surprisingly strict, even the generals and soldiers under him have never oppressed the people, and maybe he will really pay back the money.

In fact, even if you don't pay it back, what's the big deal, if you can get back those properties, this little money can always be earned, it's nothing more than hard work, it's better than not only not being able to get it back when Ma Jinbao was under the rule, but also worrying that the few remaining family businesses in the family will also be seized, and even be forced into slavery.

The existence of the Ming army has given the people of Jinhua some guarantees to sleep comfortably, but the unevenness of not suffering from widowhood is still in front of them, and there are already people who cannot bear it.

"This aftermath loan is unheard of, and the marshal borrows with the credit of the government. The matter of the merchant is simply a mourning. In the long run, where is the credibility of the imperial court, where is the credibility of the government, and where is the credibility of your Chen Dashuai?! ”

I saw an old man in the front row on crutches worrying bitterly about these "credibility" issues, and even pointed at Chen Wenhe and the officials attending the meeting to denounce him. Chen Wen, who had seen the old man and the old lady touching porcelain in modern society, really didn't dare to say anything cruel, so he had to try his best to appease him.

"The old man misunderstood, Ben Shuai never planned to owe the principal and interest and not pay it back, and now he is using summer tax as collateral, these are to be written on the contract, Ben Shuai's family has been a businessman since his great-grandfather, and he is also a well-known signboard in Tianjin Wei, and the word reputation is still known."

Seeing that the old master had calmed down a little, perhaps it was the angry rebuke just now that made his breath a little uneven. Breathing soothing at the moment. Taking advantage of this moment, Chen Wen continued to explain. "Zhujun is in Jinhua, maybe not very clear, the year before last from the North Zhili to the south, all the way to see, the Tartar Hangzhou garrison Eight Banners on the ground in Hangzhou to rob the people's land to build a full city, and the North Zhili, Shandong and other places have more enclosures, confiscation, fugitives and other evil methods, other areas of the Eight Banners Green Camp to rob the people's property is even more numerous. Later, Wang Shi recovered Hangzhou. Or in other places, this big loan for the aftermath still has to be done. There is no need for Ben Shuai to smash his own signboard. ”

And this time, in addition to this big loan for the aftermath, Ben Shuai also prepared a large loan for requisition, which was guaranteed by Ben Shuai's general seal of the conquest, with the annual autumn tax as collateral, and the interest was divided by two to five cents, according to the term and amount of the loan. Participation is voluntary. If Ben Shuai doesn't even repay the big loan for the aftermath, then the big loan for the purpose of driving out the Tartars should last longer, and who will buy it? ”

If the businessman has a bad reputation, then the business will not be able to continue, but it is the most simple truth. It's just that at the moment, Chen Wen is borrowing money in the name of the government, and the credibility of the ancient government, especially at the end of the dynasty, this low word can't even describe its badness.

However, Chen Wen took the seal of the general as a guarantee, and used the summer and autumn taxes as collateral, which sounds like there is still some credibility, especially Chen Wen's own reputation is not bad, and Sun Yu, the local prefect of Jinhua who is born in the same matter as Chen Wen, can also win some trust, and this loan may really be repaid.

However, there is another question here, whether the Ming army can hold on, if the Ming army is defeated, then the silver will definitely not be returned. But if the Ming army is really defeated, these industries will definitely be taken back by the Qing army, even if it is not Ma Jinbao, he will be imprisoned on the grounds of funding to support the Ming army, and then not only the creditors who repay the money are gone, but the creditors who collect debts will also hit the door, doesn't this mean that they must be tied together with the Ming army.

Realizing the viciousness of Chen Wen's loan, the focus of the problem has been deviated by those pig teammates around him, and the student surnamed Ding stood up and continued to ask: "Chen Dashuai, the student dares to ask, why do you want to use twenty acres as the line?" ”

It's this student again, Chen Wen smiled, and then said: "As far as Ben Shuai knows, the average yield of local rice per mu in Jinhua should be less than 600 catties, which is strong enough to feed one person. And if you add taxes and forced labor, twenty acres of land can support a family with a small number of people. And more than 20 acres is not all that needs to be borrowed, but more than 20 acres of extra acres. Moreover, the silver will repay a part of the principal and interest every year, and it is not that it will not be repaid. ”

In the Ming Dynasty, a catty was 590 grams, slightly higher than in modern times. Generally speaking, at that time, it took about 500 catties of grain to feed a man, and if the man also needed to do high-intensity physical work such as farm work, then seven or eight hundred catties of grain a year could maintain sufficient nutritional intake. Of course, some of this can be replaced by other foods, but the intake of a series of nutrients such as fat, protein, and carbohydrates must be maintained.

In addition to these, if we add taxes, levies, assessments, levies, etc., as well as the existence of the old and the young in addition to the strong women in the family, the calculation of 20 acres of land to feed a family with not too many people is more reasonable.

As for the high-yielding crops that spread from the Americas, they were not absent in this era, and they also began to be promoted, but there were still problems in the factors that affected the yield, such as large-scale popularization and the degree to which crops adapted to the local climate and environment.

As these crops were thoroughly adapted to China's climate and environment, and completely spread throughout the country, the population of 450 million appeared, which was unattainable in the Ming Dynasty and previous dynasties. As for the later generations, they relied on science and technology to increase the yield per mu and buy grain from other countries. China has succeeded in achieving a population of more than a billion people, but it is even more impossible to achieve it at the moment.

Hearing Chen Wen's calculations, the gentry and ordinary people present were stunned one by one, at least in their opinion, the martial artists should not understand this, but this Chen Dashuai can be like a treasure. It is really sensational to be so well prepared, like an old official. However, when I think of these officials from Dalanshan brought by Chen Wen, everything is clear.

"If there is no objection, the fathers and elders under 20 acres can go to the table to register with a few clerks, and the government will verify the details as soon as possible, return the land to you, and reduce the loss of delaying spring ploughing."

Spring ploughing, this is a big problem. Agriculture is an industry with extremely strict requirements for time and climate, and delaying agricultural time is a major event that can cost people's lives. Hearing Chen Wen's words, a large number of people immediately remembered this problem that they had been thinking about before, and saw that there were many people around who got up and went to the clerk to register, and they also stood up one after another, and even some people who were more than 20 acres did not want to delay the agricultural time for this, and wanted to regain the land as soon as possible.

Seeing that what Chen Wen said was indeed the truth, it was impossible to refute it at all. And a large number of people had already gotten up and gone to the stage to register, and the student surnamed Ding immediately asked, "Chen Dashuai." The figures you calculate are just the amount of land needed by a small family, not all of them. If the family has a large population, and what can be done, does the government still plan to starve the people to death? ”

Hearing this, a sneer crossed the corner of Chen Wen's mouth, and there was a big mess at the end of the Ming Dynasty. The matter of starving the people to death has the share of the government, and you gentry and big families are also inseparable.

Gaining a moral foothold in the name of the well-being of the common people to defeat their opponents is exactly what the ancient Chinese literati were best at and most common in their struggles, as for the purpose behind it. And after victory, the interests of the people are often discarded by them.

The Confucian student in front of him is still just a student, and the minimum standard of being an official in the Taiping era is still one level away, but the basic means can be easily mastered, and it is indeed worthy of reading the books of the sages, and he really read the way of Confucius and Mencius into the belly of the dog, and ruined the good intentions of the sages.

It's just that this person's question can't help but be answered, because this student is now trying to win more people to stand with him to fight against the administration of the government, which is essentially no different from the gentry who obstructed the administration in the late Ming Dynasty. If Chen Wen wanted to achieve his goal, he first had to break up his allies, and the first batch was the common people whose acres of land were slightly more than twenty acres.

"This year's spring ploughing has begun, but the investigation will take time, so the land will be returned and exempted from this year's summer tax to raise the land. In addition, the decree prohibiting officials from imposing taxes on the grounds of fire consumption and other means will also be implemented this summer, and those who violate the order will be severely punished. Without these, twenty acres can feed more than ten people, let alone more land? ”

"Chen Dashuai just believes that the little officials below will abide by the law and discipline?"

"Starting from this summer's tax, the collection of taxes will be carried out by the officials of each county, and the health office will send people to supervise it, and the government and the general military office will also send people to conduct random inspections and secret visits, and those who violate the law will be severely punished."

"You are a martial artist!"

Hearing Chen Wen's words, before the student could react, a gentleman immediately jumped up and scolded loudly. And Chen Wen just glanced at him, and then said very calmly: "The health centers in various places have begun to be set up, and the personnel list has been put in place, you can go and ask, there are civil officials in the health centers, and mutual monitoring can reduce the degree of loss." ”

"You ......"

The gentleman had just said the word you, and before he could say a reason, he was pulled by another gentleman beside him, and when he reacted, he had to sit down again with a snort. It was only after a moment that the Confucian surnamed Ding stood up again and said to Chen Wen: "Harvesting one tael per mu is too much, please subtract some from the marshal and the mansion." ”

After a long relationship, Sun Yu knew very well that Chen Wen's anger had begun to gather, and this time he didn't wait for Chen Wen to speak, so he directly explained to the Confucian student: "Now the market price per mu of land costs dozens of taels of silver, and one tael of silver is really very little. Moreover, the loans collected by the government are to be repaid, not to be taxed. Otherwise, the imperial court will not be able to raise soldiers, and the land you have recovered will only be seized by the Tartars again. ”

"If you really can't afford to pay, you can also enter into a contract with the government, and the government will buy the land at a price slightly higher than the market price, but it must also be repaid in ten years, otherwise the government and the health office will not be able to turn over."

Bonds and installments were normal financial means in later generations, and Chen Wen's actions were nothing more than tying the local gentry and the Ming army together to form a preliminary community of interests, and the installment payment had the effect of preventing the local gentry from uniting to destroy the finances and credibility of the government.

The threat of Ma Jinbao and the other Qing troops was on the side, and Chen Wen and Sun Yu, two local civil and military officials, had already said that they had already said this, and the gentry and wealthy families knew very well that if they continued to argue, it might not be beneficial for them, and it was better to wait for the industry to be withdrawn and collude with some officials, and the interests were indispensable to them who had an information monopoly.

I just noticed that no one in the front row of the gentry and wealthy households squeaked, and the people in the back row, who had lost their backbone, also continued to go to the clerks in the audience to register, in order to hope for early registration, early investigation, and early resumption of farming.

The affairs of the fields have generally been recognized, and the registration is still going on, and almost all the people in the back row have gathered to the clerks in the audience, and the gentry and wealthy families in the front row see that there is no possibility of a full response in the venue, and it is inconvenient to gather together in person, so they have to talk to the neighbors.

The sun was gradually rising, and the previous registration continued, but as the registration of the people ended, fewer and fewer people began to leave the venue, and the later they came, the only gentry and wealthy families remained. It was not until after lunch that the wealthy gentry, who had hurried back after deliberation, began to inquire about a series of industries such as goods, houses, shops, workshops, and minerals.

In this regard, Chen Wen immediately said that the government's previous proclamation had made it very clear that the return of the property only involved the immovable property that the Tartars could not take away, that is, land, houses, shops, workshops, minerals, etc., and did not involve gold, silver, jewelry, calligraphy, painting, antiques and other things, because after the Tartars were taken away from the hands of the monarchs, the specific local government did not know, and it was naturally impossible to repay the debts for the Tartars.

Those immovable properties are still returned according to the model of large loans for the aftermath, but the method of levy and the amount of money are different in one way or another.

The confiscation and repayment of the debts of the Tartars were a matter of principle, and Chen Wen's insistence made the gentry and wealthy men so indignant that the real estate debate was going on all afternoon. It was not until late in the evening that Chen Wen's remark that if he did not register before June this year and was unwilling to accept the acquisition, he would be deemed to have given up the right to return and that all of them would be taken over by the government and the health office, that these objections were suppressed.

It's just that the voice is indeed suppressed, and the next big loan for the capture has become difficult, and only Chen Wen is still explaining the joints in the venue that has begun to raise the fire with great interest, as well as the interest rate that is stable and higher than the aftermath of the big loan, and the gentry and rich families in the audience dare not leave without permission, but they have no intention of buying, but are ready to see Chen Wen and Sun Yu's jokes with great interest.

But at this moment, the old man who was originally very low-key in the venue, just sitting in an inconspicuous position on the right side, dressed very ordinary, stood up and said loudly to Chen Wen and Sun Yu: "The old man is willing to buy a large loan of 1,000 taels for ten years!" (To be continued.) )