[82] Yuchun Agricultural Credit Cooperative

Yao Fan walked out of the gate of Zhai's courtyard and said to Li Hainiu and other platoon commanders waiting at the door: "The conditions in this Niwanzi village are very good, there is only one family that can reach the landlord, and the rest are divided into rich peasants, middle peasants and poor peasants. This Zhai family is the only landlord, but I look at his family, but he can't even afford to raise a few dog legs. ”

Without waiting for the platoon commanders to smack in their mouths to come out with the meaning of Yao Fan's words, Li Hainiu immediately understood, and blurted out: "The owner is saying that there are no tigers in the mountains, and the monkey is called the king?" ”

As soon as these words came out, Li Hainiu felt that it was inappropriate and was about to change his words. Yao Fan stroked his palms and smiled: "Manatee said well, everyone can slowly understand in their hearts, don't talk nonsense." ”

After turning his face, the old man of the Zhai family and the tax collector Zhang followed, and the old man of the Zhai family instructed his family to go to the village to inform me from door to door, and come to the village threshing floor to listen to the official lecture.

So a group of people moved to the threshing floor, and after a while, they saw that all kinds of people in the village were coming, and the peasants were black, yellow, thin, tattered, and black pressed on the threshing floor.

With a book in his hand, the tax collector went door to door and called each person, and each name was reported, and the number of donations for this year's autumn was reported.

Yao Fan frowned, and when the tax collector finished the roll call, he couldn't wait to jump forward and shout to the group of villagers at the top of his voice: "Brother, I'm Yao Fan!" You may not know me! But it doesn't matter, once you are born and twice cooked, and if you deal with me a few more times, everyone will know me!

My brother doesn't read many sage books, and he can't drag the text, so he can only tell everyone straight to the point. That's the case, brother, I went to Jinan Mansion this year, and when I saw the governor Ding, Lord Ding sighed when he saw me, and he said, the people are suffering, and I want businessmen like me to care more about it, and don't think about how to spend money all day long.

Brother, I think what Lord Ding said is very reasonable, Lord Ding is our Shandong Governor, and we are also the Governor of Shandong! Can he be wrong about what the old man said? So I patted my chest on the spot to Lord Ding, planning to invest 100,000 taels of silver to open a pharmacy, all the medicinal materials, buy them at what price and sell them at what price, I don't make a penny, and I also paste the monthly money of the guys in the pharmacy. ”

As soon as these words came out, the following Yao's hometown Yongtuan immediately applauded.

"The owner is benevolent!"

"The owner is merciful!"

"The owner saves the suffering!"

With such a noise, the farmers in Niwanzi Village also felt that the tall man who spoke in front of him was a good man from the city.

Yao Fan laughed: "Hahaha! Since the big guy thinks that what Lord Ding said is right and I am right, then I will continue to do what Lord Ding said in the future, and accumulate some merits, which will not only benefit the township, but also shade the future generations.

This year's drought, everyone has seen it, right? I estimate that there must be many people in the villages below who cannot afford to pay rent, taxes, or food. But if just because I can't pay it this year, I will sell my land and go bankrupt, and sell my sons and daughters to a miserable end, I feel very unbearable in my heart.

I think, it's just a year of drought, so let's bear with it, and when next year's harvest is good, won't we be able to pay this year's money, grain, and taxes? It would be a pity if you can't bear to become a beggar and live in all directions next year.

Therefore, I understood the spirit of Lord Ding's Jinan speech, the so-called 'for the rich must first be benevolent'! I decided to help all the old folks!

How do you help the big guys? After thinking about it, I decided to set up a 'Yuchun Agricultural Credit Cooperative', if you can't pay the money and grain tax, you can borrow money from the society first, and you need to mortgage the money, so you can take your own land or house to mortgage. After the mortgage, the land is still planted by you, and the house is still lived in by you, as long as the money is repaid on time in the future.

Regardless of whether the land and the house are good or bad, they are all counted as the original price, and now the cultivated land on the market ranges from 2o taels to 6o taels and one mu, according to the least, one acre of flat land can also give you a mortgage of 2o taels of silver. As for the house, whether it is good or bad, it is worth a tael of silver a piece.

However, this mortgage, you can't get the silver, where the loan is made, the silver is directly transferred from the account of the Yuchun Agricultural Credit Cooperative to the yamen, to help you deduct the money, grain and taxes payable.

You can't take out the money you have left in the credit union's account, but can only use it to offset the next money, food, and taxes. If you have money, just come to the agricultural credit cooperative, make up for the shortfall, and the loan will be written off. ”

The tax collector Zhang on the side frowned and shook his head when he heard this, and complained bitterly in his heart: "This Yao Ye is really ridiculous, he actually put the Yinzi money in the countryside, but anyone who can afford the Yinzi money does not need to borrow it!" And those who borrowed money were mostly poor ghosts who couldn't afford to pay it back!

Those farmers who want to borrow money the most, not to mention disaster years, are ordinary years, which family has surplus grain? Who doesn't live by eating chaff? If you give the money to this kind of poor people who are struggling to survive, God knows how to take it back in the year of the donkey and the month of the horse! ”

As soon as Yao Fan's words came out, the peasants below suddenly burst out.

"Master Yao, you are merciful! I just don't know what the interest rate of your loan is? The peasant at the bottom saw that Yao Fan's speech was inelegant and sounded rude and kind, so he had the courage to ask.

"Since I am listening to Lord Ding's teachings to do good, I naturally will not charge heavy profits, the current interest of the pawnshop is two cents and one cent, I only charge one-third of this interest, that is, 7 cents, 1ooo eldest son, only charge 7 copper coins a month of interest."

As soon as these words came out, the farmers who sat or stood under the threshing floor nodded one after another, feeling that the interest rate was indeed very low, and those who had brains had a little bit of work had already calculated it, borrowing 1oo copper coins with monthly interest, and the interest for a year was only 8 copper coins! With such a low interest rate, you can make money even if you borrow it and then lend it out!

"Master Yao! You are truly a bodhisattva! We farmers have never been able to borrow money, and the rich man in the city, who is willing to lend money to us poor haha. On weekdays, even if you borrow oil, you have to double it! Didn't you listen to the children's singing, borrowed oil in June and returned it in September, and returned two pots in one pot! An old farmer with a wrinkled face squatting on the ground stood up at this moment, bent his waist, and bowed deeply to Yao Fan. So all those in the crowd who were short of money and wanted to borrow money also stood up from the ground and respectfully worshiped Yao Fan.

At this time, Master Zhai, who was standing on the side and listening to Yao Fan's speech, almost burst into flames in his eyes!

"This surnamed Yao is really a dog's trick! What the hell did he do?

He did this, didn't he fall in love with the cultivated land in Niwanzi Village?

Isn't that right? With this cheap money, how could he quickly dig up the cultivated land?

What was going on in his head?! Is it really because Lord Ding persuaded him to do good? ”

Below, another dirty peasant in ragged clothes stood up, bowed deeply to Yao Fan, and then bent down and humbly said to Yao Fan: "Master Yao, I am a tenant, I have no land to mortgage, and I live in a few straw mat sheds at the entrance of the village on weekdays, so I don't have a good house to mortgage. This year's drought, I rented five acres of land from Mr. Zhai's house, and I had to repay two stones and six buckets of grain according to the usual four or six openings, but it really didn't rain this day, the wheat was not filled, and now I only received one stone and two buckets, and I still owe Mr. Zhai one stone and four buckets, I want to ask Mr. Yao, can a person like me get a loan to repay the debt? ”

Yao Fan calculated that the grain owed by this person was about 13 taels of silver according to the current high grain price.

"Do you have the strength?" Yao Fan asked.

"I am a farmer, I don't know anything else except farming, as long as I stutter, I can work, I don't know how much strength Master Yao needs? I can move everything that ordinary labor can carry. ”

"Then you can still come to Yuchun Agricultural Credit Cooperative, I have a 'labor loan' here, and I can lend you money to pay back to Master Zhai. The so-called 'labor loan' means that you come to my Yaojiazhuang to help me work, carry goods, transport goods, escort goods, build a courtyard, level wasteland, remove weeds, plant fruit trees, I take care of your food and housing, but the wages are used to repay the debts of Mr. Zhai, we sign the labor contract for half a year, you sign the work contract for half a year, and I pay Mr. Zhai for half a year. ”

"Thank you, Master Yao! I'm willing to 'take out a loan for work'! I'm willing to 'take out a loan for work'! The farmer was overjoyed.

As soon as he heard that the money owed by the tenants had been settled, the old man Zhai on the side felt a little more comforted.

"It seems that this surnamed Yao really wants to do some good deeds, probably because he wants to make a good name in our Jiaozhou. I heard that his Yao family had already built Zhuangzi, and in the future he would take root in the local area, and it was always right to have a good reputation.

As soon as he did this, the tenants could pay off their debts, and he also taught the local squires to be more generous. Even if the debts are not paid off in a year, asking these farmers to sign a labor contract for a few more years is enough, in short, the debt has been settled, and it will definitely be more profitable than me using this tenant as a long-term worker to repay the debt, and return the money. ”

Next, Yao Fan ordered the men to find a shady place under a big locust tree on the edge of the threshing floor, set up a table, and lend money while collecting taxes. Because the operation procedures of the credit union were all in Yao Fan's stomach, and he did not sue others, he was busy instructing the guys on how to record accounts and how to calculate loans.

The stunned Master Zhai stood in place, seeing Yao Fan and Zhang Tax Collector busy collecting taxes and lending money there from a distance, and seeing Li Lu, who was plotting the land by himself, running to find Yao Fan, his heart suddenly sighed!

"Oops! Broken! Although his surname Yao is here to put the money in the print, so that my land rent this year is light. It's hard to see an opportunity to teach this Li Lu to sell the field, but I'm afraid I won't be able to! It's really a lost horse! Seon lost his horse, ......! ”

At this time, two farmers walked over to Master Zhai, and suddenly Master Zhai's eyelids jumped.

Sure enough, the two of them came over, and they apologized and apologized, and what they said was the same meaning, the land they originally planned to sell was not sold now, and they were ready to borrow money from Yuchun Agricultural Credit Cooperatives to survive the disaster year.

Old Man Zhai's face was pale, and he said stiffly: "If you don't sell it, you won't sell it, I didn't want to buy it, but it was you who begged hard at the beginning, so I was willing to buy it at this price, and now you regret it, hum!" I hope you don't regret it in the future! ”

Yao Fan, an agricultural credit cooperative, was destined to frustrate the plans of the landlords who planned to rely on disaster years and harsh taxes to annex land.

As a modern person, it is not unusual for Yao Fan to use this kind of financial means, after all, he has seen a lot in 2o11, and understands that in this world, the biggest winner is always the bank, and any industrialist must be prepared to be skinned alive as long as he deals with these money worms, and anyone who challenges the bank will not see the hope of victory. The bank is not a place to collect deposits, to put it bluntly, it is a legitimate loan shark.

But Yao Fan did not want to rely on the rudimentary lending mechanism of credit cooperatives to eat these poor peasants alive, and his position as a creditor was of legitimate use.

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