After Zhang Shipeng comprehended the pilot ideas conveyed by Zhu Shuren through Yao Qisheng, he was not ambiguous.

In just two months after that, with the gradual implementation of the autumn tax collection work in Hangzhou in the second year of the well-off, some new policies to benefit the people were gradually promoted, and soon there were the first batch of people who were willing to test the waters.

"Huh? Have you heard, the imperial court actually set up a pilot project in our Hangzhou Mansion this year, and all peasant people whose land yield is less than 10 acres of paddy fields and 20 acres of mountain fields can apply to ask the government for a loan after paying the tax and grain in full! I heard that I can borrow at least 20 taels!

If the family originally had a few acres of paddy fields, and could use these fields as collateral, it was generally not a problem to borrow fifty taels! I heard that the highest individual example, there are borrowed seventy or eighty taels! ”

This kind of news soon spread in various counties of Hangzhou.

Moreover, whenever word of mouth encounters doubts, someone can immediately come up with ironclad evidence, saying that whoever in the next village or the next township really borrowed the silver, and then sold the fragmentary fields of the two neighbors who wanted to go to the city to work and change their work status.

I heard that a certain peasant household on Longjing Mountain, who originally only had seven or eight acres of mountain fields to grow tea, expanded to as many as 256 acres at most after merging his neighbors.

And after hearing that his neighbors were willing to sell the land, they joined forces to enter the city and changed their careers to open a roasted tea shop, which was also doing well.

Stories like these spread more and more, and most of the simple peasants believed them when they heard them.

However, no matter what era it is, the voice of the self-righteous and rational person must always be there.

Especially in the Ming Dynasty, there were too many scholars in several provinces in northern Zhejiang, and there were a lot of farmers who could read Braille but couldn't even get children. Because they have no fame, these people need to continue to pay taxes and serve in conscription for the rest of their lives, but the advantage of literacy allows them to interpret the policies of the first and second imperial courts, and they are not afraid to speculate on the conspiracy with the greatest malice.

"This must be a traitorous and flattering person in the court, who wants to make achievements in promoting the new law, and make the index assessment beautiful to please Shangguan!"

"This kind of 'typical case' is probably deliberately spread by the mouthpiece of the government, and it is estimated that there may not be one in a hundred, and if you catch it, you will chew your tongue in various ways."

If it weren't for the fact that the people weren't traversers after all, and they couldn't say the technical terms of "survivor effect", I am afraid that they would have to sneer in the face.

This is also something that can't be helped, after all, there is a Ming Dynasty, if Xiucai insists on participating in the township examination for the rest of his life, the probability of succeeding in the final examination for life is about 20 to 1.

But Shaoxing Mansion and Ningbo Mansion can be so tragic that it takes seventy or eighty shows to roll up a lifetime before one person can be rolled. Hangzhou Mansion is not as tragic as Shaoxing Mansion and Ningbo Mansion, but there is still a degree of intensity in fifty or sixty shows that can produce one person in a lifetime.

Such an environment makes it not easy for the common people to be deceived, and there are too many literate peasants.

Some people who are still wielding hoes during the day have actually read the allusions of Su Dongpo, Wang Anshi, and Sima Guang, so a group of people with the most active minds immediately thought of the case of exploiting the loopholes of the former Song Dynasty Wang Anshi Qingmiao method to gather wool.

The imperial court actually dared to borrow money from the peasants? Then we must teach those wasted people in the DPRK who are not diligent and do not distinguish between grains, what is the sinister way of the world!

This situation is estimated to be similar to that of the 21st century in the future, when some "online loans cost a village". In later generations, P2P online loans most of the time ate people without spitting out bones, but there are also some hard-working old people who can cure them.

These people often ask for money and life, and they are actually the same kind of people as the Qingpi scoundrels of the Northern Song Dynasty who are the wool of King Anshi Qingmiao.

Although the law established by the imperial court to lend money to the people this time is still very different from Wang Anshi's Qingmiao law, for example, it is required to be a farmer, and the family must have less than 10 acres of land to lend.

In this case, the singles who are already registered as workers, or at least have no land, will be excluded from the people who apply for loans. It also blocks most of the people who can take advantage of the loopholes.

Unfortunately, even so, it is impossible to achieve 100% wool shielding. The wisdom of the masses of the people is endless, especially in the confrontation of exploiting loopholes in the law, which is all based on the laws of nature, natural selection, and the most feasible and poisonous schemes can be screened out as soon as possible.

People with poor IQ will soon be caught, and those with high enough IQ will succeed if they are hidden enough, and then their experience will spread and others will learn to walk quickly.

As a result, under the laws of nature, all kinds of strange evasion strategies soon began to appear under Zhang Shipeng's rule.

For example, some farmers were originally eligible to apply for loans, because they were not simply broken down, but still had one acre and three points of land, or seven or eight points of land. This falls within the scope of "having land, but less than ten acres, so you can be eligible to apply for a loan to buy your neighbor's land" allowed by the imperial court.

However, because their land is too small, it is not a pity to give up or resell it, or these people are already active and have the idea of changing jobs or businesses, and do not intend to keep their agricultural status.

As a result, the folk began to appear, "Obviously there are three neighbors, and A has the most fields, so if you want to buy the fields of your neighbor B and C, and let B and C go to the city as workers, the number of paddy fields of A's family can also exceed ten acres."

However, in practice, only one acre or a few points of land B and C first apply for a loan, and then merge once. In the end, A came again to pocket the fields of B and C that had been concentrated.

In such a case, A has no problem, he really took out a loan to buy his neighbor's land, realize the moderate concentration of cultivated land, and improve agricultural production efficiency, and it is indeed in line with the laws of the imperial court, and he can't find any fault.

But the problem is that B or C in the process, they didn't want to buy land and run it well, they just acted as middlemen, the money passed through a little, and after the purchase was completed, they sold it to other neighbors, and exchanged the land for money again.

Then these people took the loan given by the government to help farmers buy land, and without the shackles of the original one-third of an acre, they directly chose to run away with the money in the future, and even thought about how to hide their names incognito.

And this kind of thing is indeed unstoppable by the imperial court, because the imperial court cannot prohibit the destitute from selling their fields all at once.

What if the other party really wants to take a loan to buy more than 10 acres of their own land at the beginning, and then cultivate and operate it well? It's just that after I bought it, there were other accidents, and I had problems with my survival, so I had to sell my land again to save my life, which is very normal.

It's like the imperial court can even issue a purchase restriction policy,

But you can't stop people from taking out loans to buy houses, right?

Can't even prevent the person who took out a loan to buy a house from defaulting on the loan and being auctioned off after the payment, right?

In any dynasty, as long as the two tricks of cutting off the confession or the legal auction are used, and the credit is really not worried about the ruin of the credit of leaving the homeland, then a person wants to cheat the loan to get a sum of wool, it is absolutely unstoppable-

At least not in the era before the digital networking of information for all, this would not have been possible. The degree of refinement of social governance in the Ming Dynasty is obviously far behind.

……

When the tide goes out, you know who is swimming.

And when the flood is flooding, the problem is always easy to cover up.

Zhang Shipeng was selected by Zhu Shuren as a pilot field for the two-year trial lending of loans and the merger of poor peasant land, and his initial work certainly had to focus on how to lend money, how to concentrate the land, how to reduce the number of poor peasants, and squeeze out a part of the population as industrial and commercial citizens.

Therefore, the initial assessment indicators for him were also "how much the per capita area of the registered poor peasants in Hangzhou Prefecture has increased, and how much is the scale of the number of poor peasants who have been transferred to work", these two indicators are the ones that determine whether his pilot performance is good or not, and whether he should be promoted, retained, or depreciated after a few years.

Forced by the KPI indicators of the test method, Zhang Shipeng could only adopt a more radical and loose credit policy at the beginning, and tried to lend as much as possible to all qualified poor peasants who wanted to buy land, unless the principal allocated to him by the imperial court was no longer enough.

In just a few months, he released at least two million taels of silver, involving hundreds of thousands of peasant households in various counties of Hangzhou Prefecture.

The results on the books are obvious: after such a series of mergers between poor peasants, the number of paddy fields owned by the remaining poor peasants in Hangzhou has more than doubled from more than two acres to more than five acres.

At the same time, at least 70,000 or 80,000 households have changed from peasant to worker, increasing full-time cheap labor for the industrial and commercial construction that the imperial court wants to promote.

However, this kind of pilot is estimated to be unable to be promoted on a large scale and flooded in the future. Because the imperial court simply can't come up with so much money to lend. If a Hangzhou government is to spend two million taels a year, there will be new mergers and loans every year, and the total number may exceed five million in the final few years.

If it is Yingtian, Suzhou, Songjiang, Changzhou, Huzhou, Shaoxing, Ningbo...... These densely populated and wealthy prefectures with very little land per capita have also joined the pilot, and they must not spend 20 million taels a year? Over the years, the cumulative amount is fifty or sixty million taels? How could the imperial court have so much capital to lend?

With the balance of the imperial court's many years of recuperation and peaceful construction, there is still no balance of 100 million taels of silver. And the annual financial income is only tens of millions of taels-

This number is actually not low, because the current population of the Ming Dynasty has not yet recovered, and it has a population of more than 70 million, and the annual fiscal income can be tens of millions of orders of magnitude.

In the Qing Dynasty in the later generations of parallel time and space, at the end of Qianlong and the beginning of Jiaqing, there was a financial income of 70 or 80 million taels a year, or how to say that the copy of Heshen worth 800 million taels could reach the imperial court for ten years (in fact, the gold and silver are only a few million taels respectively, and the others are all valued by jewelry and treasured land, here is just an analogy for easy explanation)

Therefore, after the restoration of peace in the Ming Dynasty, the savings that have been slowly accumulated in the past few years, even if there are no other accidents and no other places to spend money, can only pilot this new law for a small part of Nanzhili and Zhejiang.

It is necessary to wait for these loans to be recovered after 10 or 8 years, and the profits will be rolled to three times (if the loans can be successfully recovered, there will actually be bad debt losses) before they can be promoted in Nanzhili and other parts of Zhejiang, plus Jiangxi and Fujian. In another ten years, it will be able to roll to Huguang and Sichuan......

So this must be a bigger project than the "abolition of the division of the family". If the Ming Dynasty does not create a new currency, or create some other sources of finance, and rely on the self-interest of the fiscal balance to roll up, it will not be able to complete it in 30 years.

Fortunately, this matter is just an introduction, and there is no need to be in a hurry, and the ultimate goal is to thoroughly promote the implementation of the abolition of the division of nationality. As for how many poor peasants borrowed money to help them buy land and squeeze their neighbors away, the indicator itself is not really important.

……

Zhang Shipeng has been lending for several months, and while the KPI numbers of his political performance are rising steadily, he is quite familiar with the tricky customs of the local people, but he is actually very uneasy in his heart.

Because he knew that there must be a lot of thunder buried under his feet.

Therefore, in the first month of the third year of Xiaokang, after the Lantern Festival, he met Yao Qisheng sent by Zhu Shuren to Zhejiang to inspect the relevant pilot work at a coincidental time, and he revealed his faint worries about bad debts.

"Mr. Yao, this loan pilot and encouraging poor farmers to expand their fields has been done well. However, the cost of these 780,000 poor peasants who have changed their status to workers and the remaining poor peasant households has more than doubled their land per capita is certainly very large.

Although the official could not obtain a specific figure, it is estimated that of the 780,000 or 80,000 households of workers who have changed their nationality, at most 50,000 or 60,000 may stay in their hometowns to work with peace of mind.

There are at least 20,000 households, all of whom are fishing in troubled waters, taking advantage of the situation to cheat on loans, and it is estimated that there are many green-skinned gangsters, and in the end they will definitely want to run away with money, or simply play a scoundrel -- because there are at least 20,000 households that have finally verified that the officials here have taken out loans to buy land and then sell their land, and there is no guarantee that there will be more people who will sell their land before repaying their loans for the first time this year and next year. ”

Zhang Shipeng also knows that those bad debt risk accounts may not return the money now, because it is not urgent at the moment - the loan issued by the imperial court did not start to recover the mortgage only a year after it was released. Because it is necessary to take into account that many people have just expanded production, the investment is relatively large, and the money is occupied, and it is very likely that the mortgage will not be collected directly, and there will be chaos.

Therefore, this kind of operating loan generally starts to collect the annual mortgage payment in the third year after the purchase of the land. Since the loan at the end of last year has not yet reached the time to start repaying, there is no need for those people to be in too much of a hurry. It's okay to wait and see, or find a better time locally.

You can't just jump away and change jobs, and you can't find an opportunity to "raise your salary".

Therefore, in the face of Zhang Shipeng's worries, Yao Qisheng was not so nervous. He relayed to Zhang Shipeng with a look of admiration: "The prince has long thought of this possibility, you are a pilot here, as long as you are honest and selfless, and you do not collude with fraud and loans for profit."

Even if there is a little bad debt rate in the end, the prince will not blame you - how can there be no one who will not be clamped if he is the first to eat crabs, but the government must also do a good job of publicity, calm people's hearts, and try to subtly publicize the repayment period as much as possible, so that people with ghosts don't run too quickly, even if you have fulfilled your duty.

In addition, when the repayment period is less than a year away, the Hangzhou government should be ready to close the border, and when the time comes, it will strictly investigate the people who have left their hometowns, and if they are caught owing loans to the imperial court, they will never be allowed to appear on camera, and if they are caught, they will be guarded - in that case, it will be a malicious loan arrears and absconding. If necessary, you can also set up a little in advance. ”

Yao Qisheng has obviously not been in vain for more than a year. Every day, he thinks about how to prevent fraudulent loans and bad debts from escaping.

In addition, he often asks Zhu Shuren for instructions, and Zhu Shuren has hundreds of years of knowledge and prevention of financial fraud.

Often an occasional tap can double the treacherous degree of a traitor like Yao Qisheng.

So as for how to plug the leak as much as possible, Yao Qisheng has actually thought a lot.

After Zhang Shipeng was comforted by him, he was also a little relieved. It's just that he is vigilant, always making sure that he is not corrupted and greedy, knowing that as long as he has no subjective malice, in the end, the prince's reckoning will not fall on his head.

In the entire three years of being well-off, the tax reform was abolished, and the lending was carried out in an orderly manner. Anyway, there is no need to repay the mortgage this year, and the people's nervous scoundrels have been appeased as much as possible, and there are no problems.

After all, these scoundrels are also very poor, and it is not easy to go far away, and it is estimated that there is only one chance to bet in a lifetime, how can you be cautious? It is not easy to make up your mind until it is a critical moment.

Under the delay and shelving of contradictions in this kind of boiled frog, time has quietly come to the four years of well-off, and everything seems to be very harmonious on the surface.

——

PS: I'm really depressed, my wife actually recovered in early May, I tested it twice in the first two weeks, thinking that I had escaped, it must be that the antibodies in the body are still very strong. Who knew that I was still recruited recently.

However, it is much milder than the first time, which is a severe cold symptom. The antibody lasted for five months (my first positive life was at the end of December last year). I took five or six days that time, and this time I guess I will have to rest for two or three days.

However, if you don't change it for three days in a row, I'm afraid that everyone will be impatient, so I thought about it, and there is still half a chapter to save the manuscript, and then ask for leave the next day, and strive to slow down to two days and one change, so that it will not be too tired and repeated.

So tomorrow I will start asking for leave every other day (31/2/4, actually please three days), update on June 1st and 3rd, and return to normal on the 5th.

Finally, I still haven't saved the manuscript, mainly because I was still busy preparing for a new book for review, so I didn't have time to save it.

But the good news is that the new book has finally passed the review this week, but unfortunately it's already June, and at this time, it's easy to hit the end of the off-season, so I'm ready to stay up until July 1st to open a new book (because July 1st is a weekend, so it may be delayed until July 3rd at the latest, which is a Monday.) ）

I'm going to start writing the book on June 5th, save it until early July by June 20th, and then start polishing the new book and saving the draft of the new book, and that's it.

(End of chapter)