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There are only ten days left before the Chinese New Year.

Yan Yunge set off for Fugui Villa to preside over the group wedding.

Yan Sui told her that there are about sixty or seventy couples who are currently registered in the villa to get married.

When she arrives, maybe a few more pairs will be added.

Nirvana is more lively than before.

The mountain villa, which has been branded by the displaced people, is being impacted by the villagers of ten miles and eight townships, and the influence of the displaced people is not as great as before.

Yan Sui told her: "As soon as the autumn harvest is over, villagers from several nearby counties will come to the villa one after another to open up wasteland. So far, a total of 312 villagers have participated in the land reclamation, and half of the households have received low-rent land. ”

Yan Yunge took the account book and looked through it, "When I came last time, the total number of villagers clearing the wasteland was less than 100. How long has it been, and how did you increase so many households all at once? What's wrong with that. ”

The villagers of several nearby counties, after all, are located in Gyeonggi, and no matter how hard and tired their lives are, they can still get by.

If you have your own land, you should take care of your own land.

He doesn't have any land at home, so he has to take care of the land he rents.

In other words, a family's labor force is put into their own fields.

Basically, there is no surplus labor to come out and clear the wasteland.

Yan Yunge has always hoped that he can use the local villagers to impact the homeless.

The homeless people huddled together, giving her a headache.

If it weren't for the thousands of escorts, those homeless groups that are not very peaceful would have started to make trouble long ago.

However, in the past few years, local villagers have participated in the reclamation, and the progress has not been smooth.

After working hard to open up the wasteland, I had to rent the land cheaply, so it was better to open up the wasteland for the imperial court, so that I could take one out of ten and get my own land.

Yan Yunge also knows the disadvantages of the villa and does not force it.

Unexpectedly, this winter turned out to be unusual.

The nearby villagers were not at home in Maodong, so they went to the mountain villa to open up the wasteland.

Strange!

Yan said hurriedly: "The little one was also surprised, and specially sent someone to investigate." It turned out that most of the villagers who came to the villa to open up the wasteland were forced by usury, lost their fields and real estate, and had no choice but to come to the villa to open up the wasteland. ”

Yan Yunge frowned, "Why are loan sharks so rampant this year?" ”

Yan Sui lowered his voice and whispered: "There is a family that wants to connect several granges together, and there are several villages in the middle, and they are unwilling to sell the land in their hands. As a result, the family bought the loan sharks of the owners of several villages and forced them to pay off their debts with acres of real estate, which caused a lot of trouble. ”

"No one from the local government has intervened?"

Yan Sui shook his head again and again, "The government has turned a blind eye and has never come forward to uphold justice for the township farmers." What's even more excessive is that those people still don't stop when they get the acres and real estate, and they still force people to be tenants. A checkpoint was specially set up at the entrance of the village, and no one was allowed to leave the village.

Even the government supported the establishment of checkpoints on the grounds that villagers were not allowed to flee the famine, and everyone was not allowed to leave their hometowns. If this is not the case, there will be more local farmers who go to Fugui Villa to open up wasteland. ”

Setting up levels can prevent some people from escaping, but it can't stop everyone.

Over the mountains and mountains, there is always a way to avoid the checkpoint and come to Fugui Villa to make a living.

Yan Yunge asked, "Can someone use this matter as an excuse to go to the villa to find trouble?" ”

Yan Sui shook his head, "No one has come to the door to ask for trouble yet. Maybe he knows that our villa is not easy to provoke, so he doesn't dare to provoke easily. ”

Yan Yunge didn't dare to take it lightly, "Strengthen vigilance, don't let go of any suspicious person, check them out one by one." ”

"No!"

Yan Yunge asked again: "Do you know that those families recruit villagers as tenants, how much is the rent?" ”

Speaking of this, Yan Sui was too emotional.

He spat and flew, "It's still a benevolent girl, and only 30% of the rent is collected for low-rent fields, and only 50% of the rent is charged for non-low-rent fields." In the whole of Gyeonggi, there is no mountain villa that is cheaper than the girl's rent. The small one made a special inquiry, and at present, the major family granges are all sixty percent rented, and some black hearts have received seventy percent, or even eighty percent.

With such a high rent, unless you become a slave, you will have to pay taxes and forced labor after paying the rent. The girl thinks about it, it is rent and taxes, and after a hard year, where is there enough food to eat. If there is not enough food to eat, you have to fight famine and live by usury. Cycle after cycle, how can there be a day of emergence. No wonder those villagers are willing to flee the famine and run to our rich villa to open up the wasteland, and refuse to be tenants for large households. Too black-hearted! ”

Yan Yunge looked stunned, "I remember that in the first two years, the land rent in the Gyeonggi area was generally fifty percent and sixty percent, and only very few black-hearted people collected seventy percent. It's only been a long time, sixty percent is already a conscience, and seventy percent has become a common phenomenon. Don't the families behind the granges know that doing so will force the tenants to be displaced and their families destroyed? ”

Yan Sui sighed, "The girl has a good heart, so naturally she doesn't understand the thoughts of those black-hearted people." They don't care if the tenants will be ruined. If the family is ruined, they can expand the slaves and maids, turn the tenants into field slaves, exploit them wantonly, die when they die, and save more food. In any case, there will be a steady stream of bankrupt peasants who will become their field slaves, working as cattle and horses every day to farm for them. ”

Speaking of this, Yan Sui was also indignant.

But he's not an official.

Even if he is an official, he cannot cross the border to interfere in the official affairs of other places.

Yan Yunge tapped lightly on the table, and she vaguely felt a crisis of impending chaos.

She asked, "This is Gyeonggi, and those families are so rampant, there really isn't a single government that cares?" No one went to the court to complain? ”

"How to sue? In black and white, usury borrowed by hand cannot be denied. ”

Yan Yunge sneered, "Those families, with such a sinister method to encroach on other people's property, the government dares to turn a blind eye and not ask." In the future, this powder keg will be detonated, and the first to die will be the inactive officials. I ask you, how much rent does my mother's grange take? ”

"Hui Yu girl, the grange under the name of the county lord's mother, has always been a sixty percent rent for the best fertile land, and fifty percent for other acres. If it is an arid hillside, there are 40% rents and 30% rents. ”

Yan Yunge suddenly breathed a sigh of relief.

She was afraid that her mother would also become a black-hearted landlord.

Yan Sui seemed to know what she was worried about, and said softly: "Girl, don't worry, the grange under the name of the county lord has never been usury. lent food, but only nine out of eleven, extremely conscientious.

Nine out of eleven returns, which means, for example, to borrow 100 catties of grain, you have to deduct 10 catties of grain as a handling fee, and the borrower only gets 90 catties of grain.

When the grain is returned, one hundred and ten pounds of grain must be returned.

The interest is not low.

But compared to the usury of the rolling interest, the price of conscience.

Yan Yunge tapped on the table, "The villagers and peasants in the Gyeonggi area are all struggling to make a living. Outside of Gyeonggi, it is conceivable that the situation will only be more serious than in Gyeonggi alone. Some opportunities, it seems, have to be implemented in advance. Yan Sui, I'll give you a task. ”

"Girl, please command!"

"Recruit the account office, let's also open a money bank and grab the business of loan sharks."

Hey

"Does the girl really want to open a money bank and rob the business of loan sharks?"

"What's the matter, you're scared? With 2,000 guards as your backing, you still don't have the confidence to open a bank? ”

Yan Sui shook her head again and again, "The girl wants to open a money bank, the little one is only happy, where will she be afraid." I just don't know, how does the girl plan to open this money bank? ”

Yan Yunge smiled, "Don't worry, I know that people's livelihood is hard, and I don't play profit." But the interest rate can't be too low, after all, everyone has to eat. The monthly interest rate is two cents, the annual interest is two into four, and the loan is less than ten cents, without collateral. Loans above 10 yuan must be secured. Borrowing can be borrowed every half month, once a month, once a year, or every two years. If we don't make profits, we won't double the principal. ”

The monthly interest rate is two cents, and the annual interest is two percent and the annual interest is twenty-four, which means that the monthly interest rate is two percent, and the annual interest is twenty-four percent.

In today's three-cent, four-cent, or even five-cent and six-cent interest, the monthly interest rate of two cents is definitely not high, and the price of conscience.

Moreover, other money banks are profitable.

The interest is calculated into the principal, and the more the principal rolls over, the more the interest is calculated.

But no individual can stand such oppression.

However, the market is rampant with usury.

Ordinary people want to borrow, in addition to looking for relatives, they can only look for loan sharks.

Apart from these two paths, there is no third way to borrow.

What should I do if my relatives are also poor and have no money to borrow?

can only go to the road of no return to usury.

In the end, a family was ruined and sold into slavery.

Yan Sui asked: "Is our money village open in the capital or in the villa?" ”

Yan Yunge said: "The main store is open in the villa! Next year, let's take a look at the situation first, and if it is allowed, we will open branches in major counties. The capital is not set foot in for the time being. ”

As you can imagine, the capital must be the hardest hit area of the major money banks and loan sharks.

Such a serious situation, Emperor Yongtai didn't even notice it?

Kim Wuwei only knew that he was staring at the officials of the DPRK and China, so he didn't know how to put his eyes on the place?

There are also embroidered guards, she doesn't believe it, these yamen will not know the consequences of the proliferation of usury among the people, but no one will say anything.

Hehe......

Emperor Yongtai is still dreaming of his Spring and Autumn Festival of the First Emperor of the ages, but he doesn't know that the door of his house is about to be overturned.

I don't know if there will be civil unrest.

However, with the family's ability to cover the sky with one hand, and the government's style of turning a blind eye, even if there is a civil unrest, as long as it can be controlled, they will definitely hold on to the news until it is rotten and stinky.

I really can't cover it, I can also find a few back-pot men and throw the black pot away, perfect!

In short, the Maison's fur is not damaged.

In these years, the only thing that can shake the foundation of the family is rebellion.

As long as there is no rebellion, the family will be stable and passed on from generation to generation.

There is no thousand-year-old dynasty, but there is a thousand-year-old family.

The inheritance of the family is more far-sighted than that of the dynasty.

……

Yan got the instructions to open a money bank, and he was very active.

There are only a few days left before the Chinese New Year, and he is not idle.

He summoned several scholars in the villa and assigned them tasks, "When the New Year is over, the owner will have a new plan and need a large number of accounts." After you go back, ask your classmates and ask the old account offices of the major money banks, if you are willing to work in Fugui Villa, and the treatment is favorable. ”

Han Qizong was the first to react, "The chief steward wants to recruit the old account office of the money bank, could it be that the owner also plans to open the money bank?" ”

Yan Sui said with a smile: "What exactly to do, when the new year begins, you will know." Everyone spend more time and do things for the owner, and the owner will not treat you badly. Let me tell you that everyone's year-end bonuses this year are very considerable, and they will definitely allow you to have a safe and prosperous year. ”

These words make people happy.

The most anticipated thing about doing things in Nirvana is the year-end bonus.

It can be as little as one month's salary, and as much as half a year's salary or even a year's salary.

Take more and take less, all based on the performance and contribution of this year.

Mr. Wang asked Han Qizong with a smile, "Brother Han took the money, but do you want to buy real estate?" ”

Han Qizong said: "I want to buy a carriage." ”

"It's easy to buy a horse-drawn carriage, but raising horses costs a lot of food and grass. Of course, with Brother Han's financial resources, he will definitely be able to afford it. ”

Mr. Wang is a fellow villager of Han Qizong, and it was only after Han Qizong's introduction that he came to Fugui Villa to work as a bookkeeper, and he worked for two years.

In the past, the poor scholars now changed their guns, wore silk shirts, soap boots, and a hosta with two coins on their heads.

These scholars make a lot of money and spend a lot of money.

Unlike other stewards, they are reluctant to spend money, pay their salaries every month, and can't wait to save them all.

In response to Yan Yunge's words, readers are always the main force of consumption.

In any era, the business of a scholar (student) is a sure profit.

------Off topic------

There are only two shifts today.

Yuan Bao is going out to take an exam, I wish me a good pass.