During his time in Nanjing, Huang Zongxi also met many friends, old acquaintances and new friends. There are not only officialdom officials, but also Zhishi eunuchs, as well as businessmen who are very rich, and they have met a large group of friends for many days.

The conference lasted more than 10 days, and in the end everyone returned satisfied. The Restoration Society is no longer a group of dragons without a leader, and they have elected a new president. And the new president is Huang Zongxi, which he never expected, and several vice presidents were elected, including Gu Yanwu, Wu Yingji, Gu Guo, and Zheng Yuanxun.

Five people, including Li Chunjiang and Chen Zhenhui, were elected as honorary president and honorary vice president.

The Restoration Society was in alliance with other societies, and its momentum was strong for a while.

In the end, at the suggestion of Li Chunjiang and others, the societies of the Restoration Society and the Alliance all added a social program, the first of which was to always be loyal to the Han Dynasty and always support the Han Emperor.

All members have sworn allegiance to the Han Emperor and the Han Emperor.

The Restoration Society was even given the privilege of submitting their suggestions to the imperial court, and to convey their voices to the imperial court and to the emperor. Of course, the suggestions of the members of the Restoration Society had to be submitted to the headquarters of the Restoration Society first.

To this end, the Restoration Society has also established a Restoration Council. Thirty-six directors were elected, and important matters in the future were discussed by the five presidents and the more than 30 directors, including the suggestions of the members, and after being discussed by the council, the majority of them were approved, and then presented to the court by the president Huang Zongxi.

Li Chunjiang also announced that in the future, the imperial court will draw a sum of money to the Council of the Restoration Society every year, and the president and councillors can also get an annual salary.

However, correspondingly, if the resumption of the society wants to hold a meeting in the future, it must submit a report to the local government in advance, and the content of the meeting must also be backed up and reported.

Huang Zongxi felt that taking the money from the imperial court always had a feeling of being bought by the imperial court, but Li Chunjiang insisted. It is said that this is to let the scholars have a better environment, and also to enable them to better sort out and report the suggestions of the scholars to the court in a timely manner.

The words were so big that Huang Zongxi had no choice but to agree. In fact, this amount is quite a lot, because there are more than 10,000 members of the Fusha Society, and there are many branches in various places, so the imperial court gives the Fushe 10,000 yuan a year, in addition to 1,000 yuan for each president a year, 500 yuan for the vice president, and 300 yuan each for the director and the vice president of the provincial branches.

Li Chunjiang even pulled out a house in Nanjing, and then hung up the sign of the headquarters of the Fushe Society. Do it for their headquarters.

According to the new social program, the president, vice president, and directors of the re-established society, as well as the presidents and directors of the provincial and provincial branches, are elected by the members of the society, and then reported to the imperial court, which appoints them through approval. Each is for a term of three years and is subject to a maximum of two consecutive terms.

In this respect, Huang Zongxi felt as if he had become an official of the imperial court.

The imperial court also stationed officials in the Fushe, set up a board of supervisors, and dispatched a number of supervisors. There is also a Chairman of the Supervisory Board. None of these people were elected by the Society itself, or even members of the Society.

And all the important meetings of the Restoration Society, etc., must have their degree.

For these additional conditions, Huang Zongxi felt a little depressed. But in the end, everyone passed. After all, the imperial court has spent so much silver, and it will definitely not be completely let go, and the army will also send supervisors. Fortunately, the supervisor is also an official from a scholar's background, not a eunuch. Otherwise, everyone will definitely not accept it.

After the conference, Huang Zongxi returned to his hometown of Shaoxing.

Although he became the president, after all, the township test is important.

When I returned home. He heard that the deed exchange action was being carried out in various places, and when he heard that the deed tax of 8 percent would be levied on the deed exchange, Huang Zongxi was a little dissatisfied.

As soon as he returned to Beijing, his family told him that the yamen had come to urge him to change the deed several times, saying that if he did not change it, he would confiscate the property of the land house if there was no new deed in the future.

The Huang family is in Huangzhupu, Tongde Township, Yuyao County, Shaoxing, a peaceful countryside.

The Huang family is also a large landlord in the township, and they usually rely on renting to collect money and money-lending income, and the family has many people who do not produce, and they only study for the imperial examination, and then become an official, and the money they earn is used to buy land and lend money, which has been the case for generations.

"The summer harvest has passed, and the rent should be collected."

Huang Zongxi said to the housekeeper that most of the people in this neighborhood were tenants of their land, and they were all in arrears. Now that the summer harvest has been made, if we don't go to the countryside to urge rent immediately, I am afraid that the little money that the farmers have in their hands will not know where to go in the blink of an eye.

"Uncle, this year's tenants have already sent it over, and most of the arrears from previous years have been made up. There are still those who are in arrears, and only the poorest ones remain. ”

The housekeeper's words surprised Huang Zongxi, when will the tenants no longer default on the tenant rent, or even resist the rent?

Although the Jiangsu and Zhejiang regions are rich, they are also heavily endowed areas.

"History of the Ming Dynasty, Food and Goods, and Enlistment" contains: At the beginning, Taizu set the world's officials and people's fields, and all official fields were taxed five liters and five spoons per mu, and the people's fields were reduced by two liters, and the heavily rented fields were eight liters and five in five spoons, and there were no official fields and one bucket and two liters. However, Su, Song, Jia, and Hu were angry that they were Zhang Shicheng's guards, and they were from the wealthy families and rich people's fields as official fields, and the tax amount was calculated according to the private rent book. And Si Nongqing Yang Xian anointed the western part of Zhejiang, increased its endowment, and doubled the mu. Therefore, the officials of western Zhejiang and the people of the country regard other parties as doubling, and there are two or three stones per mu tax. It is the heaviest in Suzhou, followed by Song, Jia and Hu, and followed by Chang and Hangzhou.

Although Shaoxing belongs to Zhejiang Province, it is not as high as the Susong area in Jiangnan Province, but it is also much higher than other places.

The highest land rent in Suzhou is two or three stones per mu, and there is also a tax per mu in Song, Jia, Lake and other places about one stone, followed by Changhang, Shaoxing and other places, but also seven or eight buckets per mu.

Compared with the tax of three or five liters per mu in Henan and other places, it is more than ten times heavier.

Although Jiangsu and Zhejiang are rich, the people have a variety of mulberry and silkworm breeding, and the commodity trade is prosperous, and the income is much higher than that of other places, this heavy tax is indeed a very heavy burden.

In the past, it was difficult to collect the tenant rent of the Huang family every year, and the tenants often defaulted, and there were always rent resistances. Some Zhuangzi directly did not pay any rent for the whole Zhuangzi, and sometimes invited the green hands to fight and beat out the family members who went to collect rent.

For this matter, Huang Zongxi has been worried in the past, especially after the death of his father, as the eldest son, he took on the responsibility of parents and took care of his mother and younger brothers.

Sometimes he sighs, fortunately, his home is not in Suzhou, it is better to pay two or three stones per mu, how can he live here.

In the past Ming Dynasty, the land tax of Zhejiang Province was more than 2,752,000 stones, while the tax of Suzhou Prefecture was more than 2,890,000 stones, and Songjiang Province also reached more than 1,290,000 stones. Zhejiang Province. Tian Fu is not as good as Huangzhou. Suzhou is only one state and seven counties, and Song is only two counties.

Speaking of this heavy endowment, it is said that at the beginning of the country, because Su Song and other places were Zhang Shicheng's territory, the resistance was tenacious, so after Zhang Shicheng was killed, Su Song was heavily taxed.

Huang Zongxi followed the housekeeper to the granary at home, and found that the warehouse was really full, and carefully grabbed a few handfuls, and found that they were all new grains in the season. And the sun is very dry, and the blowing is very clean.

"What's going on?"

"Uncle, don't you know? The imperial court recently issued a new edict, and the land tax in various places was changed, and it was unified into 20 catties of mu tax in the south, 15 catties of Chinese tax, and 5 catties of land tax. In the north, the mu tax is 16 catties, the national tax is 12 catties, and the land tax is 4 catties. In addition, regardless of the north and south. Each mu is levied an additional catty of grain, which is Ding Yin. ”

The housekeeper explained for a while, and Huang Zongxi understood.

"You mean that in the future, Tianfu will only levy 21 catties of grain per mu. Fold silver four corners in two. Then there is no addition, no fire consumption, and even this four corners and two points also include all the fire consumption additions and Ding Yin, and no more Ding Yin is levied. No more free labor? ”

The butler grinned, and his goatee was shaking.

"That's it, the emperor's edicts are posted everywhere. There is also tolerance preached everywhere, and there is nothing wrong with it. Unexpectedly, the new emperor is still very benevolent. ”

Huang Zongxi was stunned there, twenty-one catties of grain, but just over a bucket, and how much did they levy in the past? Seven or eight buckets per mu are levied, which does not include the additional fire consumption, as well as Ding Yin, etc. There are several buckets of fire consumption alone, and if Ding Yin is added, more than half of the output per mu must be handed over to the imperial grain.

Now, it's just over a bucket, which is equivalent to one-tenth of what was paid in the past.

The fields in Shaoxing are still good, carefully tending, if you plant two seasons, you will definitely have no problem with three or four stones per mu. However, because of the serious land annexation in the south, most of the land was in the hands of the landlords, so the people had to pay taxes and rents, and the harvest left behind was naturally lower.

encountered all kinds of additional assignments and levies, and life became more and more difficult.

And now, the imperial court actually said that it is forbidden to increase local fire consumption, and there will be no one to suppress the price of grain and raise the price of silver when the grain is harvested, and there will be no additional fire consumption when the silver is paid.

"The grain station has already collected the summer grain, and the grain is collected in one hand and the silver coupons are given in the other. It is true that the grain endowment is only charged four corners and two cents, and one cent is not much. There is no need to send grain, there is no need to levy fire, I have lived for more than 50 years, and it is the first time I have seen such a situation. ”

"No, the people have handed over the grain, have the silver coupons in their hands, and have surplus grain in the warehouse, so they take the initiative to come over and pay the tenant rent and the arrears of the previous years."

In fact, the people do not want to be in arrears, nor do they want to resist rent.

When you are in debt, you feel that you are carrying a mountain on your back. If you don't default, you will starve your wife and children to death, and you can only have no choice but to default or even pay rent.

But now that there is a surplus, everyone will want to pay off the debt as soon as possible, so that no debt can be light, and no debt can straighten the spine.

The tenants are also grateful, they clearly know that they are planting the Huang family's fields. And the Huang family has always had a good reputation in the township, and in disaster years, they will also save the villagers. When someone is ruthless in the funeral and marrying, they will also borrow money.

Especially when the imperial court asked for rent and interest reductions in various places, the Huang family also responded as soon as possible, and took the initiative to clean up the debts with the villagers.

Everyone thinks that the Huang family is in charge of public affairs and does things authentically, and now that everyone has food, naturally no one will go to arrears again.

"The owner, many people have added three or five buckets, saying that they are going to change the contract this year, and our Huang family is going to break a fortune again, and everyone is willing to help."

The Huang family really wants to break a fortune, and the new deed is not just as simple as changing the deed, but also levying an additional deed tax. Originally, the deed tax was only paid after the deed was signed at the time of the transaction, but now it is only a deed exchange and not a transaction. But the imperial court wants to levy this deed tax, to put it bluntly, this is a property tax that is aimed at the big families.

Just like Emperor Wu of the Han Dynasty's decree, according to the property tax, Emperor Wu of the Han Dynasty levied a property tax of 10 percent, and small handicraftsmen levied a 5 percent tax. Later, many people were reluctant to declare their assets, and Emperor Wu of the Han Dynasty issued another order, which was encouraged by the whistleblower.

This order bankrupted countless wealthy people at that time.

And now, the imperial court wants to change the deed and levy a deed tax, 8 percent, which is also quite a heavy tax.

But the good thing is that the deed tax is better than the order. The decree is directly taxed at 10 percent on the quantity of property, while the current deed tax is only 8 percent on the value of houses and land, and the rest of the deposits such as gold, silver, jewelry, antiques, calligraphy and paintings are not taxed.

But even so, for landlords like the Huang family, the tax is very heavy. Because their greatest possessions are their fields and houses.

The Huang family has more than 1,000 acres of land, all of which are high-quality fields. In Shaoxing, a place with a very high land price, the price of an acre of good land is generally about 100 yuan. This means that the Huang family's land is worth more than 100,000 yuan, and if you add the houses and shops in the city, there are several Zhuangzi.

Summing up. The Huang family exchanged the deed, and they had to pay about 10,000 yuan.

The Huang family does have some money, but that was in the past, and after the death of his father over the years, the family was still a little middle-of-the-road. Again, the family's money is actually more land to buy land, and there is not much cash.

took out 10,000 yuan at once, which made the Huang family a little embarrassed. Especially before the Huang family handed over five years of arrears, it was also thousands of yuan at once.

"Fauber. How much money do you have left at home? ”

"There are only about 1,000 yuan in cash at home, and 5,000 yuan in the bank."

Huang Zongxi frowned, "How much food is there in the shop?" ”

As a landlord, the Huang family also has a grain store in the city. Sell the rent from your own fields and start a grain processing business.

The Huang family has more than 1,000 acres of land, and can collect more than 1,000 stone rents every year, and now after the rent is reduced. I can receive at least seven or eight hundred stone rents a year.

"The grain in the store, plus the newly collected rent, is about 1,000 stones."

Huang Zongxi calculated that the price of grain is more expensive now. Even rice can be sold for three pieces per stone, and for a thousand stones, it can be sold for three thousand. If you add up the money from your family and the bank, and then sell all the rice, it will only be 9,000. Moreover, the money in the bank can be withdrawn at any time, but the grain cannot be sold all at once.

Thinking of this, his brows were even more twisted together.

He sighed sadly, slowly climbed the stone steps built along the slope, crossed the four hugging willow trees side by side, passed under the plaque with the word Fengxian hanging downstairs, and walked into the Huang family where the palace was hung.

As soon as I entered the door, I found that there were many cages piled up in the hall of the house.

Mother, wife, brother and daughter-in-law are busy.

"Mother, what are you doing here?"

Huang Zongxi's twelve-year-old eldest son Huang Baiyao and ten-year-old second son Huang Zhengyi found their father coming in and came over.

The eldest son, Huang Baiyao, is relatively precocious, and has been studying with his father since he was a child, and he is already a child. "Grandmother is asking the mothers and aunts to bring out their wedding jewelry and satin clothes. ”

"Do what?"

He had already thought of something, and he was still amazed.

The mother turned her head with a calm expression.

"I know the situation of the family, and the housekeeper has also calculated, and our family has to pay about 10,000 silver dollars for the exchange of deeds. However, the family could not come up with so much silver, and the land could not be sold now, and the grain could not be sold at once, but the deed tax had to be paid immediately. ”

"Silver, I'll figure out a way to do this, don't rush slowly."

"Why don't you worry, the yamen has already posted a notice, if you don't pay off the tax arrears, if you don't change the deed and pay the deed tax, not only will you have to check if there is no new deed next year, but the most important thing is that you can't take the scientific examination this year. A few of your brothers, plus your cousins, are all going to end this year, how can this be delayed. ”

"In addition, you have to go to Hangzhou to catch the exam, and when you pass the exam, you have to go to the capital to take the exam, which will cost money, and I have to prepare early. Don't worry about it, we women all have some dowry for ourselves, and it's nothing to take it out and sell it as a pawn at this time. ”

Huang's mother knew very well that for the Huang family, the imperial examination of the brothers in the family was the first priority. And the imperial court tied the tax payment and the qualification for the imperial examination, and the Huang family had to pay this tax anyway.

Huang Zongxi's father used to be a Beijing official, but that was in the past, and if the current Huang family wants to prosper again, the only way to enter the imperial examination is to enter the office.

Just wanted his mother and wife to sell their jewelry and dowry, which made Huang Zongxi very sad.

"Mother, I'd better find a friend to turn around."

"You, who is not allowed to pay deed tax and pay grain arrears now, how can there be any surplus money to borrow at this time? We'll have to sort it out sooner rather than later, and we'll be able to pawn it. Huang Mu said.

While he was talking, the butler trotted in.

"Uncle, madam, there is an official from outside."

In fact, it was not an official who came, but someone from the bank.

Not so long ago, Four Seas Bank was split into Royal Bank and Imperial Bank, with Royal Bank being a commercial bank and Imperial Bank being the central bank.

The Imperial Bank was responsible for issuing money, printing money and minting coins. At the same time, it also acts as an agent for the state treasury, and also concentrates the reserves of commercial banks, acting as the lender of last resort. It is also responsible for formulating and implementing monetary policy and supervising and managing financial institutions such as banks, money banks, and pawnshops.

Imperial Bank is a regulatory body and does not directly engage in commercial deposit and loan business.

The Royal Bank, on the other hand, became a pure commercial bank after separating those official functions.

At present, the Imperial Bank is owned by the imperial court, while the Royal Bank is still owned by the emperor.

Today's people from the Shaoxing branch of the Zhejiang branch of the Royal Bank took the initiative to visit the Huang family and were willing to provide a loan to the Huang family.

"With the credit of the Huang family, the Huang family can borrow 10,000 silver dollars."

Huang Zongxi was a little surprised, but you are welcome, the Huang family was in need of money.

But he's worried about interest.

"How much is the interest?"

The manager who led the team smiled and said, "We provide the lowest interest rate, a loan of 10,000 yuan, if the repayment is within half a year, it is 7%, half a year to a year is 8%, one year to three years is 9 percent, three to five years is 10 percent, and more than five years is 11 percent." ”

Huang Zongxi breathed a sigh of relief in his heart, this interest rate is indeed not high. Compared to the interest of one and a half cents and two cents outside, it is very cost-effective.

"Do I need a mortgage?"

"I'm talking about mortgages, which need to be secured by the deed of a house or land. If it is an unsecured line of credit, the interest rate will be a little higher, but rest assured, it will not be much higher. From less than half a year to more than five years, they are 9 percent, 10 percent, 11 percent, 12 percent, and 13 percent, respectively. ”

Huang Zongxi silently calculated in his heart, if it is a mortgage loan, a loan of 10,000 yuan for one year, and the interest is 800 yuan. The interest on a line of credit is one thousand. Two hundred more silver dollars.

And he estimated that it would take at least two to three years to pay off the 10,000 yuan loan, so that it would not affect the life of the Huang family. And the three-year mortgage is nine hundred, and the credit is one thousand one.

"I want a mortgage loan of 10,000 yuan, and I will repay it in three years."

"Yes, the house mortgage is still the property, I recommend the property. Calculated at 70% of the present value of the collateral, if you mortgage the property, then according to the price of your land, you only need to mortgage 140 acres. ”

Huang Zongxi thought about it, and there was no problem.

"Yes, just mortgage 140 acres of land."

The manager smiled, "You can complete the formalities today, and 10,000 silver dollars will be in your hands within three days." In addition, after the land deed is mortgaged to us, the land is still cultivated by you, and the harvest is also yours, and we will only recover the mortgaged property when the loan is due and unpaid. ”

"No problem." Huang Zongxi nodded with satisfaction.

This result was better than he expected, he didn't have to pawn his mother's and wife's dowry jewelry, he didn't have to ask for a loan, and he didn't have to pawn his ancestral property.

Although he had to pay interest on the loan for three years and 1,100 yuan.

However, as the president of the Restoration Society, he still has a salary of 1,000 yuan a year, and 3,000 yuan for three years, which is not bad. (To be continued.) )

PS: It's later, it can only be changed after midnight.

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