At this moment, Zheng Lang had a very strange expression on his face, one moment excited, one moment worried, one moment fearful, one moment longing, and constantly distorted.

Huang Zhijun and Ma Zhizhou have come to Taiping Prefecture several times, and they have also seen Zheng Lang several times, and they have seen Zheng Lang's various expressions.

Looking at Zheng Lang's expression, Ma Zhizhou asked with some fear: "Zheng Zhizhou, what impulse?" ”

Zheng Lang did not answer.

He was thinking about the Qingmiao Law, Wang Anshi's intentions were good, he could benefit the country, and the interest he lent was not high, about 20 percent, but if he used the state's treasury to release it, even if he recovered 10 percent, the profit would be considerable, at least it would exceed the "open source" wealth brought by sucrose, and it would also reduce the high interest burden of 60 to 200 percent on the people. Without this usury, many people would not have gone bankrupt, and if they would not have gone bankrupt, the state would have been able to collect taxes, forming a series of cycles of good surnames.

But if something goes through the government and is all presided over by the government, things will change the taste.

It is one of the reasons for the failure of the seedling method.

Seizing the profits of large households, taking them into state ownership, and opposing them with strong and strong forces is the second reason for failure.

Wang Anshi urgently needs to prove to the world that the accumulation of wealth is fast, and the country is the mainstay, supplemented by the people, and the people are placed in a very inferior position. is the third reason for failure.

But Ma Zhizhou and Huang Zhijun's request for help gave him a chance.

That's the bank!

Don't save the country and save the people, as long as the country has money, the tax pressure on the people will be relaxed.

It's not the root cause, if the three redundancies are not resolved, no matter how the law changes, it will fail. But it will gradually ease the pressure on the country, or change from urgent suicide to slow suicide.

There is no need to go through the toss of the government, for example, to divide the account by a five-fifty, the government gives the big households a chance to pay interest, and the operation is operated by the big households, and the government sends people to supervise. There is a golden mean, but in fact, the interest rate has been lowered, which has given the people a way to live. Nowadays, saving money and transporting money require handling fees, custody fees, and interest to collect money, as long as the money is deposited and given some interest, the capital for lending will become sufficient.

That's a 20 percent benefit.

What kind of profit will be generated once the snowball rolls. And the major giants will participate in it, really no, you can have a disguised "asset restructuring", all get the benefits, and they will maintain this profit.

Put everything on the table.

From the perspective of interests, there is no doubt that the country will benefit, the powerful will undoubtedly benefit, and the people will undoubtedly benefit, but what they get is relatively obscure.

Even if there are some black-hearted big families who started by lending usury, they do not dare to do anything in the face of this huge interest group.

But is that really the case?

There is no time for contentment in the human heart.

There is no perfect system, what I think is such a thing, just like Wang Anshi's change of law, every decree comes out with good intentions, but if it is implemented, sooner or later people will find loopholes.

Thinking of this, I finally shook my head.

It's not for me to play for the time being.

Let's obediently be a little Zhizhou.

His face quickly calmed down, and then he stared at the two Taishou.

There are several surrounding states in Xingwei, some of which are doing very well, taking into account interests, and there are contradictions and conflicts, but they are not big, and they are quietly executing. Half of them did not do a good job, and they biased their practices to both ends, and Shuzhou Taishou was one of them, and he considered the interests of major households too much.

If you don't do it yourself, you might succeed. But with their own actions, are the people convinced? I heard that in order to keep the big households silent, he even acquiesced to the big families throwing a few shovels of mud and throwing them into the lake, and I circled them. Known as the new first polder of the Song Dynasty, it covers an area of 3,000 hectares, and the actual cultivated land area may be more than 1,500 hectares.

Huang Zhijun and Ma Zhizhou are more fun, and they almost want to be rich and poor.

Neither is advisable, but the latter is a little better off than the former.

So he said: "I'll tell you something, Taizu said a word, the military capital is salty from the rent. So after the establishment of our dynasty, we continued to send officials to inspect the fields, the pavilion Tao ordered Cheng Di to be uneven in the field, the cane flowed on the island, the Shanghe ordered Li Yao to be killed by the cane, Yuan Feng from the right to make up the que to be ordered by Qufu, Taizong and the first emperor also issued many edicts, and divided the land and property equally. ”

"yes," the two nodded.

This sentence is very important, the literati of the Song Dynasty often like to talk about the ancestral legal system, not me, it is Zhao Kuangyin brothers to the Song Zhenzong have said that they have done it, this is the ancestral legal system, it is more effective than the words of the master.

"In the fourth year of Chunhua, Taizong said, the two taxes are reduced, I have nothing to regret, if the benefits and the poor, although they are released every year, they do not hate, and within the county seat of today, the annexation family invades the poor, and the cunning officials leak the rent between the acres and acres, and evade the debt, which is very disadvantageous."

"It turns out that Taizong also said," Ma Zhizhou said stunned.

Zheng Lang smiled bitterly, do you really not know the suffering of the poor below, the bad of the strong, and the rampant of the little officials? continued: "When Taizong replied to Kou Zhun in the second year of Zhidao, he also said that since Qin changed to Qianmo, the system of Jingtian was no longer restored, so he merged and reduced taxes and taxes, so he abandoned the original and chased the end...... After three or five years, when the years are abundant, the people are happy, and they must choose strong people who are in charge, first from the two capitals to legislate, stop taking acres of land, do not see reclamation and wasteland, reduce the heavy ones, and gain those who are lucky, and strictly enforce the legal system, so that the people are sufficient, and the lawsuits will cease forever. Taizong must be called a Ming Jun, and Kou Zhun must be a strong and persistent person. Why stop? ”

"Why?"

Zheng Lang didn't answer, and continued: "When the first emperor was over, Zhang Kuo, who supervised the imperial history, said that there was a lot of open land in the world, and he hoped that his son Jackie Chan would send officials to inspect and estimate according to the Tang Yu Wenrong Treaty. The first emperor said that this matter could not be carried out, but people said that the world's taxes did not increase, and those who were in a strong situation had more land and less taxes, and the poor and weak were thin and the taxes were heavy, so that the rich would benefit the rich and the poor would benefit the poor. Wang Dan said that the uneven land endowment is as true as the purpose, but it must be gradually revised. This time, I didn't even see the conspiracy, the first emperor was also a king who loved the people, and the prince was even more virtuous, why didn't he implement it? ”

It can't be said that these people are not good, Kou Zhun is an important contributor to the country's reversal, Wang Dan is in the middle book, and he is the most important rod of Song Zhenzong in his later years. The two Taishou didn't know how to answer.

It's not that they don't change, Kou Zhun and Wang Dan are very smart. Knowing that there are a lot of troublesome things to change, it is better to retreat in advance. Later, Guo Zheng only inspected one county in Caizhou, that is, 26,930 hectares of land, Zheng Lang worked hard in Taiping Prefecture, and only made 7,000 hectares, while the number of acres escaped in a county was close to 27,000 hectares, almost four times as much! Then "heavy labor", stopped. Then many times of investigation, all did not end, Bao Zheng served as the third envoy, also dissatisfied, with five or six officials to investigate, after checking a number of states, very conscious, the book said that it can not do everything in the world, I can't go on. Flee back to the capital.

It's better not to check, to be a paper tiger, it's even worse to check, the court turned out to be like this, so "since the emperor You, 470,000 hectares of land have been cultivated for more than ten years, and 860,000 hectares of land are from Shaotian."

Before the two could figure it out, they asked again, "Why?" ”

It's really hard to check.

For example, now, Zhao Zhen will not protect the Cao family, but the eldest princess of Wei who saved his life comes out to ask for it, what should I do?

What should the minister of Qingliu do if he finds out about the Wang family and the Cai family? What should the "villains" do if they find out about the Lu family?

But Zheng Lang will not answer. He continued: "Don't ask why, you want to succeed, but there is a way. ”

"How?"

"This year, your polders have been allocated, but they have not been allocated, and there are not many extra polders coming out."

"Yes," Ma Zhizhou replied, giving him a sense of accomplishment, and thousands of destitute families have since been settled.

"You just have to say a word to those polders, and you will make some concessions, and when you enclose the polders in the second half of the year, you will compensate them half of the polders. They are Xiaoxu, two or three times in ten years, this is Daxu, and the surname is completely different. Then you can succeed. ”

"Are we going to make concessions to them?"

"Take a step back and open the sky." Your hearts are good, but if you continue like this, you will soon be demoted, and what are you talking about?

With that, he walked out.

After a while, two middle-aged men walked in.

Ma Zhizhou and Huang Zhijun didn't care, there were many affairs in Taiping Prefecture, they sat here for a while and saw Zheng Lang dealing with several things.

But two middle-aged men walked straight towards them, and one of them was tall and thin and asked, "Are you Ma Zhizhou and Huang Zhijun?" ”

"Yes, you are ......"

"We are a sugar supervisor, my surname is Song, and his surname is Tang."

"It turned out to be Steward Song and Steward Tang, you are looking for us ......," Ma Zhizhou asked suspiciously.

It has long been reported that the sugar mill had six stewards, and that the merchant group and the superintendent of the sugar were in charge of the sugar mill. But the two seemed to be looking for themselves on purpose, and Ma Zhizhou and Huang Zhijun were a little puzzled.

"That's right, we occasionally hear that the two Taishou need money, and we can lend it to you."

"You guys?"

"It's not us, it's in the name of the sugar mill."

Ma Zhizhou and Huang Zhijun glanced at each other, a little dazed in their eyes.

"You want to come with us, and if we hear us wrong, then don't bother the two of you."

Why not? However, when it comes to businessmen, they all think of black-hearted usury, and Huang Zhijun asked: "What is the annual interest?" ”

"The annual interest rate is one and a half cents, and if you can't afford it this year, you will repay three cents next year."

"How is that possible?" The two Taishou were a little confused, and the entire Song Dynasty did not have such a low interest, which was five points lower than the grain loan and cattle loan issued by Zheng Lang to the people the year before last.

"Believe me, this is a city of miracles."

was taken to the workshop in a daze, and the two gathered several other stewards, as well as the supervisor Lu Erlang, and talked about the interest to Ma Zhizhou and Huang Zhijun.

The reason is very simple, a Yangtze River separates, farther to the north, it may be because of the climate difference, cane is no longer sweet, but a large number of sugarcane can be planted in some places along the river.

Ma and Huang nodded. I am not like Zheng Lang in the early days, the fields are divided a lot, and it is not enough to rely on food alone, and they are all destitute families, with no additional side jobs, when the autumn comes, the tax will be added, if something happens to the family, the interest of half a cent may not be able to be repaid.

I asked Zheng Lang for cane seeds and cotton seeds, precisely for this reason.

The two stewards continued: "If you want the workshop to have a future, there must be a large number of sugar cane sources in the surrounding areas, and this funding is not only to help the Wuwei Army and the people of Hezhou, but also to help the sugar workshop itself." Maybe the Xuanzhou and Guangde armies can also learn sugarcane seeds, and in the future, they can transport a large number of sugarcane sources to provide workshop production without having to travel from distant Jiangsu and Zhejiang. Besides, the two Taishou are also good intentions, and there are some annual interest, and the lenders have land deeds in their hands, and they are guaranteed by the land deeds, so why can't they lend? ”

Ma and Huang nodded again.

This is the difference between a merchant and the imperial court, a merchant is always thinking about how to expand profits, and the imperial court is monopolized, so the officials are either greedy for ink in addition to scavenging for political achievements.

Lu Erlang stood up and objected: "No, as soon as February passes, the production of cane sugar will be stopped, and the profits must be handed over to the imperial court, I don't agree with this move." ”

After arguing for a long time, the two stewards of Song and Tang said, "Then vote to decide." ”

Six people have six shares, and Lu Erlang has two shares, and the number of shares determines the outcome of the dispute.

But Ma Huang glanced at each other, and thought in his heart, he really came.

really voted, voted by a show of hands, and the four of them agreed with the proposal of the Song and Tang Dynasty stewards, all of them were those big families from other places, they occupied forty percent, and the master behind them was rich, and they didn't care about the harvest right away.

Two of the Taiping's own stewards abstained.

Ma Huang was surprised.

However, there are conditions, the interest rate of the loan is low, each household cannot exceed 20 yuan, and if it is more, it will not be able to repay, even if it is 15 percent of the annual interest, and the price of two yuan per mu of land is guaranteed by the title deed. The repayment period is up to four years. When taking out a loan, you must bring a household register, proving that you are a polder, and the household. The sugar cane grown must be owned by the sugar mill.

Something like that, trivial conditions, but not excessive.

In the end, everyone talked about the conditions, and Ma Zhizhou and Huang Zhizhou walked out and looked at each other.

As long as you plant ten acres of sugarcane, it is possible that the sugar content is not as good as that in the areas south of the Yangtze River, but it is only separated by a river, and if it is planted well, it may be able to repay the debt in one year.

It doesn't have to be considered.

To their amazement, the will of the imperial court as a supervisor really let the other stewards of the workshop join forces to wipe it out.

I found Zheng Lang and grinded his teeth for a while, Zheng Lang couldn't bear it, so he had to agree and send someone to Fujian Road to buy cotton seeds. The two happily went back.

Looking at their departing backs, Cui Xian shook her head: "Their hearts are good, but their talents are very poor, and they haven't woken up." ”

"It won't be so bad, I am in a hurry and can't think about it," Zheng Lang said.

Cui Xian chuckled, Zheng Lang's approach was tantamount to covering his ears and stealing the bell, but if he changed it, he would think that those bigwigs in the court would also laugh.

Not in this way, as long as these two Taishou stabilize the big households, after all, they can't get anything, and now they have got half of the polder, they will be overjoyed and will not support it, but for this half of the polder, they don't dare to make trouble. As long as they don't make trouble, Huang Zhijun and Ma Zhizhou can hold out until the autumn. As soon as the output comes out after autumn, this is the most practical, at least better than the Jiang Taishou in Shuzhou. Then these two people will keep their seats.

But Zheng Lang was in a trance.

Zheng Lang didn't care about lending money to Hezhou and Wuwei Army, the title deed was all a disguise, it had nothing to do with me, it was the idea of the sugar mill manager, they were businessmen, and they naturally thought about how to maximize their benefits. But I really can't afford it, Zheng Lang will let them take down the land in the people's homes?

The people of Taiping Prefecture were the people of the Song Dynasty, and the people of Wuwei Army and Hezhou were not the people of the Song Dynasty?

Blocking Yanchen's mouth is the real one.

He's thinking about the bank.

Come to think of it, it's really good.

The usury of the Song Dynasty was so amazing that just one usury ruined many people's families.

Once there is this bank, the sixth, seventh, and eighth class households cannot enjoy it, but at least the fourth and fifth class households do not have to bear the burden of usury if they are in a hurry. Some small and medium-sized businesses have business opportunities in their hands, and they can also make a fortune with relatively low interest loans to further offset the impact of some powerful businesses.

But it's not just that he says it.

When the conditions are ripe, with his current identity, he will never be able to do such a big thing.

What he thinks about is whether he can do it in the future, and it's not up to him to say it, it depends on Zhao Zhen's psychology. Thinking of this, he began to write a memo, which was a small attack on the imperial court at the expense of the Jinrust Prison, which was also a temptation.

Wang Anshi happened to come in, watched him write this recital, and asked puzzledly: "Doctor Zheng, you don't need to write, you can do it under the current conditions of Taiping Prefecture, and the imperial court may not agree to it." ”

Zheng Lang smiled slightly and said, "I want to catch another bigger fish, and the Jinrust Prison is the bait." ”

If you may catch it, you may even take back the bait, and if you can't catch it, then the bait will be sacrificed.

After speaking, he packed up this piece and sent it to the capital immediately. However, he smiled dumbly and tried his best to reduce the dispute, but he couldn't help but find himself a lot of trouble.