Two days later, the employees of the money bank who had gone to the countryside came back one after another, and they all came back with some people. Li Junxian estimated that most of these people were squires in the countryside below, or people with a relatively high status in the countryside below. This kind of person should be able to take out loans on behalf of the farmers below, so Li Junxian received them.

"Everyone, I am Li Junxian, and now I am under the order of the emperor to set up this money bank. Because the emperor felt that it was not easy for the peasants below to resume production, he specially ordered me to set up this money bank and lend money to the peasants below to help them resume production. Li Junxian said.

"The Emperor Shengming!" "The emperor is wise!" "The emperor is our reborn parent!" "The emperor deserves to be the Holy Monarch of the Ages!" ……

A sound of sycophants sounded, which made Li Junxian want to vomit a little. Li Junxian is also secretly speechless here, what's the use of these guys touting Li Shimin here? Could it be that Li Shimin can still hear the sound here in the palace? After a while, they finished touting, and Li Junxian continued to discuss things.

"Everyone, will you be able to resume production now?" Li Junxian asked.

A squire said helplessly: "General Li, no! Many of our villagers are unable to resume production, and the key is that they do not have agricultural tools. Many villagers do not have farm tools, and can only share a pair of farm tools with others. This severely reduces the speed of farming, so it is impossible to produce quickly. ”

Li Junxian listened to this squire's words, and also knew that the bottom was actually the same as what he thought. Nowadays, farmers generally do not have the means of production such as agricultural tools, so everyone is sharing agricultural tools, and as a result, the resumption of production is very slow. In later generations, agricultural tools have actually been very popular, and even many people can afford to use large agricultural machinery. However, in ancient times, an iron plow cost a lot of money, which was enough for an average peasant to accumulate for a year or two before he could afford an iron plow. This is an example of how the industrial level affects agricultural production.

And Li Junxian If they had given a loan to resume production at this time, the farmers could have bought farm tools from the carpenters and blacksmiths, and then they could resume production smoothly. Resuming production as soon as possible means restoring national strength as soon as possible, and there is no need to say anything about this. Moreover, these loans can be used to buy agricultural tools, which can also stimulate the demand for steel, increase the amount of steel smelted, and provide an income for both blacksmiths and steelworkers. With the agricultural loans of the national surname, the demand for agricultural tools in the country is increasing, and the blacksmiths want to smelt steel more and more, and they will increase production. In this way, Datang's steel production will also gradually increase. And because agricultural tools require a lot of steel, more and more people are willing to work as blacksmiths, that is, to promote industrial development.

Because Li Junxian is a descendant, he can look at the problem from a macro perspective. Although this agricultural loan only saw agriculture on the surface, its impact was on the steel and even industrial level. And Li Junxian is different from the ancient officials, the ancient officials just had a headache and a pain in their feet, and they solved problems when they encountered them, which was completely passive. However, Li Junxian looks at the problem from a higher perspective of God, and can connect from one aspect to another, which is Li Junxian's biggest advantage over ancient officials.

"Okay, if you have any requests, you can put them forward." Li Junxian said.

"Wu Guogong, I just want to ask you, this loan is to be mortgaged through the land, if you can't pay it back then, will you have to take the land?" A squire asked.

This problem is what everyone is worried about, and now the world is finally peaceful, and the Tang Dynasty also implemented the equalization system, everyone got the land, of course, they don't want to be taken away again.

"Folks, in fact, our money bank was established by order of His Majesty, our main purpose is not to make money, our main purpose is to help the people. Of course, we are actually an industry of the imperial court, and we can't let the imperial court stick upside down, right? The people need to share their worries for the court, so they can't rely on the court for everything, right? So, although we can borrow, we have to have collateral. Otherwise, if someone fails to repay the loan, then we will naturally have to compensate for this arrears. Moreover, the land was given to you by the imperial court, are you still reluctant? Li Junxian asked.

"This ......," the squire was speechless.

The ideas of ancient times and later generations are different, the ancient people believed that the people had to obey the orders of the political axe, and even the land obtained by the people of the Tang Dynasty now benefited from the uniform land system of the imperial court, so they obtained the land. Later generations of officials paid attention to the servants of the people, and there was a big difference in this. Therefore, from a legal point of view, it is also legal and reasonable for the imperial court to recover the land. Now everyone thinks that this money bank was established by order of the emperor of the imperial court and belongs to the government. And now this "government" has not directly recovered the land, but just let you get money by making a mortgage, so what else do you have to say. From a legal point of view, this is actually a moral policy, not a persecution of the peasants!

"General Li, we don't resent the imperial court, I'm just reluctant! We peasants cherish the land very much. Although this is the grace of the imperial court, we don't want to lose it! The squire said helplessly.

"Actually, we're not non-negotiable. We have arranged for everyone to pay off in three to five years, which is what we have calculated accurately, as long as you are willing to work hard, do not fish for three days and dry the nets for two days, then you should be able to afford it. And if there is really any natural disaster [***] to join, I'm afraid it is also a minority. In this small number, we will also send someone to investigate, and if there is really a natural disaster [***], we will also extend the repayment period, and we can write this into the relevant loan contract. Li Junxian said.

"That's good, that's good!" Squire said.

Now that the squire's problems have been solved, they have decided to take out a loan. Now the farmers below are waiting for the rice to be cooked, and everyone urgently needs a sum of money to buy production tools so that they can start to resume production smoothly. The sooner you start to restore production, the better. If it takes a few years for all production to really resume, how much will it be lost! Therefore, although it is necessary to borrow for a while, it is not impossible. Crucially, these loans only have an annual interest rate of 10 percent, which is much better than the private loans of those pawn shops. Private borrowing is simply a debt of Hades, urging life! And this loan only has 10% interest, isn't this what is Dezheng?

In fact, in the later Song Dynasty, when Wang Anshi changed the law, farmers could borrow from the political axe, with a monthly interest rate of 2 percent, and an annual interest rate of 24 percent, which could be called benevolence and righteousness by the people, not to mention the "low interest" of 10 percent. For the people, the interest rate of 10 percent per annum is a great grace and is enough to bring the people to their hearts.

"The hearts of the people in the world can be stabilized, even if anyone wants to incite rebellion at this time, the people may not support it. This low-interest loan is also a way to attract people's hearts! Li Junxian thought secretly.

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