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"This", Zhao Zongji took a sip of tea and said with a smile: "It's a bit alarmist, I've read a lot of history books recently, but I've never heard this kind of statement." ”

"It's not an exaggeration at all." Chen Ke shook his head and smiled: "The reason why you can't see it in the book is that those who compile history books either have pulp in their brains, or they deliberately don't say it." ”

"Why?" Zhao Zongji asked.

"Without it, people always have to serve their own interest groups." Chen Ke said lightly: "Those civil officials who write history books, their families themselves are usury, how can they carry this black pot on their backs?" ”

"I want to hear about it."

"A usury is a pawnshop in the city, and a landlord in the countryside." Chen Ke said softly: "In all dynasties before the Great Song Dynasty, although the levy of the city, the prohibition of the mountains, and the salt and iron were concerned, these were just small dishes, and the real staple food of the country was agriculture and farmers. Agriculture provided the main tax revenue, and the peasants also paid the main labor. So let's look first at the harm of usury by landlords. ”

"I know a little about the dangers of usury, which is to make the poor who borrow money penniless and their families ruined." Zhao Zongji said.

"Yes, but it's a superficial phenomenon, not a real harm." Chen Ke said: "The best situation for farmers in the countryside is that they have more than ten acres of land at home and seven or eight people. By growing grain and cotton, raising chickens and pigs, they can be self-sufficient, and then use the surplus agricultural products to go to the market to buy some salt and iron and other necessities, and there is no money left in their hands. But because the only burden is the taxes of the imperial court, life is quite easy. ”

"It's already a very good peasant family." Zhao Zongji nodded and said.

"But their resilience to risk is extremely poor. Once we encounter a famine year, happy events, birth, old age, sickness and death, etc., and income decreases or expenses increase significantly, we have to rely on borrowing to get by. And it was impossible to borrow money from the poor peasants around it, only from the landlords. ”

"All the way to this point, the family still thinks that if they work hard the next year and tighten their belts, they can pay off the loan sharks. So as to live the original normal life. Chen Ke continued: "However, he borrowed usury, and it was a usury that he had no bargaining power, and it was useless for him to harvest well the next year, because if he collected three or five buckets more, the price of grain would drop, and he still couldn't pay it back." ”

"On the other hand, usury in the countryside. It's much more savage than the ones in the city. Often, the annual increase in interest exceeds the peasants' meager income. Peasants are often able to repay the newly increased interest after a busy year. This is still a good year, if the year is bad, even eating will be a problem. And how to talk about repaying debts? In the end, he could only pay off his land, cattle, wife and children, and even himself, to the landlord. ”

"In the event of a famine year, when the large-scale peasants are unable to sustain, the consequence will inevitably be large-scale land annexation, and the peasants will either become tenants or leave their homes and become displaced people." Chen Ke gave this little prince seriously. On the science of rise and fall that cannot be learned anywhere else: "There are two other factors that drive this phenomenon. First, the land will be degraded after years of cultivation, and the output will become less and less, and the number of people who can feed the population will naturally decrease. On the other hand, as long as there are no large-scale wars, the population will slowly grow. As time goes on, the two-phase effect will make land annexation and peasant bankruptcy more and more serious. ”…,

Zhao Zongji listened very seriously. I forgot to ask questions, and just took notes there silently.

"And for a dynasty, both of these problems are fatal. Land annexation is a source of revenue for the country. Gathered into the hands of powerful landlords. Compared to the peasants, who were as tame as sheep, the landlords were cunning and powerful. Through various political privileges, they can have a large number of acres of land exempt from taxes. Then bribe the local officials to confuse the taxable acres with the tax-exempt fields, or simply conceal the acres of land, in short, there are ways to escape the tax burden. The income of the imperial court will inevitably drop sharply. ”

"The harm of peasant bankruptcy is even more serious, as I said earlier, there are two flows for bankrupt peasants, one is to work as tenants for landlords, and the other is to leave their hometowns and become homeless. Either way, it will lead to a decrease in the number of taxpayers in the country and a reduction in the number of people who can bear the burden of labor. Chen Ke said slowly: "This will increase the burden on the peasants who are not bankrupt, so that more peasants will go bankrupt, and more displaced people will be produced, leading to bandits and robbers everywhere." Banditry and chaos will inevitably make the people miserable, and more peasants will not be able to survive. At this time, if there are consecutive years of famine, there will inevitably be a large-scale peasant rebellion. ”

"And the country, long before that, was already in a deep financial crisis, and the army was disheartened and unable to suppress the rebellion. Eventually, it leads to the decline and even demise of a regime. Although some dynasties were not destroyed by the peasants' rebellion, they were all shaken by them first, and then ignited the ambitions of the heroes. ”

"In fact, this analysis is actually not difficult, but the vested interests of all dynasties and dynasties are unwilling to admit this - admitting it means that annexation has become a national policy, and in the era when land is wealth, what else do you let the scholars and doctors do?" Chen Ke ridiculed: "The whole world is not the king's land, and the land of the country is originally the monarch's, which is the legal basis for the people of the world to pay taxes." The essence of land annexation is actually that the princes and doctors compete with the monarch for the benefits of the world. Ironically, many emperors were also fooled by the scholars and doctors, allowing them to annex without collecting their taxes. Isn't this someone who was sold and helped to count the money? ”

Zhao Zongji was deeply shocked, in the past, he only regarded Chen Ke as a confidant and friend, at most he was a good helper for his own advice, but now he found out that under the other party's unruly face, there is actually a kind of wisdom that transcends the times. This knowledge can never be learned elsewhere, but it is absolutely necessary for a person who is interested in the world to learn.

Thinking of this, he bowed deeply and said, "Brother Zhong Fang, I want to ask you more in the future." The tone changed from affectionate to respectful.

"These things." Chen Ke resumed his hanging, and said with a smile: "Actually, I said it in vain, you just listen to it." The country is like a human being, it is not opened well at the beginning, it is deformed, and it cannot be changed. ”

"The state is not a human being after all." Zhao Zongji said with a firm face: "After all, there are examples of Shang Jun's success. ”

"Throughout the ages, only Shang Jun is alone." Chen Ke shook his head and said.

"There are two if there is one, and you are two!" Zhao Zongji looked at Chen Ke eagerly.

"I don't want to get torn apart." Chen Ke shook his head and said: "First, I don't have the talent of a merchant monarch, and second, the problem of the Great Song Dynasty is ten times more complicated than that of the Qin State?" It is not human power that can be reversed. ”

"It's man-made!"

"Hehe......" Chen Ke couldn't help but smile bitterly, this hasn't been too much of a man, and he has begun to have the spirit of ownership. However, he did not discourage Zhao Zongji's enthusiasm, and chuckled: "If you are really ambitious, from now on, take a look at Han Feizi's books and Li Kui's "Law Classic". ”

"Oh......" Zhao Zongji smiled: "I didn't expect you to be a legalist." ”…,

"I'm a sprinkler." Chen Ke laughed and said: "I don't have a view of the door, only right and wrong. ”

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The two talked about it above, and they had no idea what kind of scene was going on downstairs.

In just two hours, more than 100 loan claims were delivered to the counter, and after examination and elimination, there were still 60 qualified full mortgages, and the loan amount applied for reached 1.6 million yuan......

Qian Sheng, who served as the shopkeeper, and Li Da, who was the shopkeeper...... He was Levi's nephew, and he was sweating at that time. Because the entire money account only has a total capital of two million. It will take 10 days for the rest of the funds to arrive at the earliest.

But if it is just opened, it will stop accepting it, which will be a fatal blow to the establishment of the reputation of the money number. Only by being powerful and rich can people have the confidence to take care of their money. Otherwise, you can't borrow chickens to lay eggs, and there is no way to take off.

If it can be accepted, where can I find so much money? Once you can't come up with the money, it's even worse.

The two didn't dare to make up their minds, Chen Ke was meeting guests again, and Li Da had no choice but to go to Jiaozipu to find Bai Yaming.

"Take orders, as long as they are compliant." Bai Yaming said disapprerovitically: "In other industries, how big a belly is and how much food is eaten." But we can't do this, we have to eat ten times as much. ”

"What if I can't redeem the money?"

"Don't worry, what is the silver ticket for?" Bai Yaming said confidently: "Tell those customers that the money they have borrowed can be deposited in our account first, not only does not need to be kept as a storage fee, but also can be paid interest according to the deposit." When it comes time to use the money, they only need to transfer the account with the seller, and the money is the other party's. ”

"Remember, money is our lifeline." He said to his brother-in-law in a deep voice: "We must do everything we can to keep it in our treasury, and at the same time we must increase the amount of loans." As long as you grasp these two points, you will be invincible. ”

"That's it, but still someone insists on cash?" Li Da actually came to ask for help.

"If someone insists on asking for money, you must give it happily." Bai Yaming said: "I know you want to borrow some cash. But at this time, I am also at the peak of withdrawals here, and the people do not recognize the handover, so I must ensure enough cash. After a pause, he said, "So you can only solve the problem with the cash of the money number." ”

Li Da returned in vain, and when he returned to Qianhao, he met a lord who wanted cash.

Qian Sheng pulled him aside and whispered: "This looks like a troublemaker, and what I am holding in my hand is the title deed of the entire street of Little Sweet Water Lane, and I want to borrow 800,000 yuan." "Little Sweet Water Lane is a small street between Daxiangguo Temple and Panlou Street, which is part of the Wan surname trading market...... That's the trade center of the whole Great Song Dynasty! It's worth more than a million.

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