Chapter 421: Usury

"The person in charge of state-owned industries such as salt and iron, coal, cement, paper, ceramics, etc., including road construction, is also an official, with the same grade as the local official, or half a level lower, and everyone will not have an opinion if they are transferred, and these official positions rarely deal with the local civilians, and they will not directly govern the civilians."

In fact, not only will everyone not have an opinion, but they will be very happy, although these state-owned industries have little power, but they have a lot of oil.

"The same will be true for promotions in the future, and under the same conditions, priority will be given to the promotion of officials from their own countries, and after a long time, everyone will truly integrate into the Zhao State, and then treat them equally." Wei Wuji said.

"Xun Qing has anything to add?" Zhao Kuo looked at Xunzi.

"I don't have anything else to add." Xunzi shook his head and said.

"Then do as Xinlingjun said." Zhao Kuo saw that Xunzi did not add, so he immediately nodded and agreed, "I will adjust it after the court meeting is over." ”

Although Zhao Guo has always emphasized equal treatment, in fact, it is impossible to truly treat everyone equally, and neither subjective nor objective conditions allow it.

"No." Wei Wuji said.

"In the future, I will ask Xin Lingjun to continue to check and fill in the gaps." Zhao Kuo gave a salute and said solemnly. If there is no Xinlingjun this time, I am afraid that he will not realize it until the conflict breaks out.

……

In the end, everyone had lunch, rested for a while, and returned to the main hall again.

"The court will continue, Article 15, to set up loans in all counties and counties of the country to help the people in distress, with interest of two cents, and allow labor to repay." Zhao Kuo read out.

Loans, or usury, have long been rampant in various countries. From the government, to the aristocracy, to the merchants, there was money lending everywhere, and the interests and even lives of the peasants were seriously exploited and eroded.

'The peasants thaw and plough, and the backs are nou, and there is no food for the corn. And the merchant 'has no labor to push Cho to eat, but to eat corn.' ’

Including Xunzi also believes that 'the industry and commerce are poor, and the country is poor.' 'Should' the provincial merchants, the farmers. ’

However, businessmen have their value, although it will bring some harm, but it can also bring a lot of benefits, and management can be strengthened, but it should not be suppressed.

In addition to merchants, the aristocracy and the government were also major money lenders.

Meng Weijun Tianwen once made a lot of usury in Xue Di, and he could receive 100,000 yuan in interest at one time. ’

In the Qin State, if you can't repay the loan in time, you will be arrested and sent to serve hard labor to compensate, which is equivalent to eight yuan a day, and if you eat official meals, it is equivalent to six yuan.

This is not wages, but usury, and if you owe too much, in the end, not only will the money not be paid, but people will also get into it.

If Qin Guo could really give eight yuan a day, a large number of people would have gone to work a long time ago, you must know that one stone of grain is only about thirty yuan, and one stone of grain can be bought after three or four days.

In this era, the peasants' ability to resist risks was extremely low, and a drought or flood could bankrupt an entire family, and the aristocracy and merchants took advantage of the peasants' poverty to raise the price of grain, and then lent them money to buy high-priced grain.

When the grain is harvested, they will suppress the price of grain, let the peasants sell the grain cheaply, and repay them loans.

The actual interest has long exceeded the amount set at the beginning, and if it is not repaid, it can only roll over the profit, and finally sell the land, wife, son and daughter, and sell himself.

In the name of lending, they do cannibalism.

A large number of peasants lost their land and became tenants, slaves, and vagrants.

This kind of thing is not uncommon in all countries, and Zhao Kuo dares to guarantee that many of the people present are lendmen, including the level of the five princes and the twelve secretaries.

If you have a little conscience, you will have three points and four points of profit, and if you have no conscience, you will directly double it.

However, loans cannot be directly abolished, and sometimes they can indeed tide some people through the crisis, and if they are cancelled directly, the peasants who could have relied on loans for an extra year or two will now not be able to survive for even a year.

Moreover, cutting off people's money is like killing parents, if it is directly cut off, everyone will inevitably unite to resist, even if Zhao Kuo has a large army in hand, it will cause some turmoil.

However, usury could never continue, so Zhao Kuo chose to set up an official loan, and the interest was fixed at two cents.

With a two-cent loan, people will naturally not borrow those usury again, and in the same way, if the nobles still want to continue to make money by borrowing, as long as they do not exceed the official interest too much, they can still make money.

Of course, it's impossible to get rich anymore.

"For the time being, official loans are limited to agricultural loans, and those with household registration can borrow from the local county government for grain seeds, farm tools, and cattle. In addition to the principal amount of the loan, interest will be calculated at the market price at the time of borrowing. Other loans will be opened in the future. ”

"In addition, in the past, if the loan exceeds three cents, the borrower has the right not to repay the excess part. In other words, the interest should not exceed three cents. Those who forcibly recover the excess amount shall be punished as the crime of robbery. Zhao Kuo said in a deep voice.

The faces of the people who were still a little determined before suddenly changed when they heard this, which means that not only will there be less money in the future, but even less money now.

Looking at Zhao Kuo, who was sitting at the top, and the rows in front of him, the largest 'lender' in Zhao Kingdom, they seemed to see that Huang Chengcheng's gold was leaving them.

"King, borrowing is a private matter, pay attention to your love and my wishes, the merchant did not force the borrower to borrow, why should the court restrict it?" Finally, someone stepped up.

"If the widow remembers correctly, you are the county governor of Jinyang." Zhao Kuo put down the document, looked at the official in front of him and said.

Although the official position of the county is not large, because of the particularity of Jinyang, the actual status is far above other counties, second only to the county.

According to the planned list, this Jinyang County Cheng will also be promoted to Taiyuan County Cheng.

"Your lord, the next official is the county prince of Jinyang." Zhao Pu arched his hand and said.

"You lent money to the peasants?" Zhao Kuo asked calmly.

Zhao Pu's face was a little flustered, and he hurriedly said: "Your lord, the lower officials did not lend money to the peasants. ”

"Since this is the case, then you don't care about this matter, if the merchant has an opinion, let the merchant himself come and talk to the widow, the widow has always been open-minded, even if the merchant is looking for the widow, the widow will personally meet him." The corners of Zhao Kuo's mouth showed a hint of sneer, and he waved his hand and said.

If Zhao Pu generously admits it, Zhao Kuo will still look up to him, as long as he does things well in the future, the position of Taiyuan Juncheng is still his.

Now I want to fight for my own interests, but I don't even have the courage to take risks, and that's it for the rest of my life.

Zhao Kuo silently crossed him up in his heart, and he didn't even bother to argue, so he directly pressed him down with his identity.

"Who else has an opinion? You can just stand up and say it. Zhao Kuo glanced down and asked loudly.

No one came forward.

"Since this is the case, it means that everyone agrees on this matter, if the widow finds that someone is disobedient in the future, don't blame the widow for ignoring the feelings of the monarch and the minister." Zhao Kuo said in a deep voice.