"Seedlings Method!"

In an instant, the court officials couldn't help but stagnate.

The Qingmiao Law is one of the most controversial changes in Wang Anshi's reforms, and the DPRK and China have mixed reviews of it.

The usury interest rate of the Great Song Dynasty is very high, with a full double interest, and some even several times the interest.

When Wang Anshi changed the law, he was keenly aware of the harm of usury, and he took the opportunity to implement the Qingmiao Law, which was lent by the imperial court to the people who were in urgent need of money, on the one hand, he took the opportunity to suppress the harm of usury, and on the other hand, he could also increase the income of the imperial court.

"Wang Anshi's vision is so vicious, and how similar is the Qingmiao Law to the bank loans of later generations! It can be said to be the oldest state finance. ”

Fan Zheng couldn't help but sigh.

Wang Anshi's reform was highly respected by later generations because of his forward-looking vision and insight, but the finance of this era was too advanced after all, and there were naturally many problems in the process of implementing the Qingmiao Law.

Sure enough, as soon as Zhang's words fell, everyone in the old party couldn't wait to oppose it.

Lu Dafang frowned and said: "The ministers oppose the Qingmiao Law, the Qingmiao Law seems to be a good law, but in fact it is a law that harms the people, although the Qingmiao Law advertises two cents of interest, in fact, the summer and autumn taxes each take two cents of interest, and the actual interest is as high as a quarter." ”

Su Zhe also objected: "In order to invite merit, the officials arbitrarily apportioned the green seedling money, filling their own pockets, if some people can't pay it, they will be scolded with a rod, and the people are miserable!" ”

"The people's loan of the green seedlings law needs to be guaranteed by the household, and if the household does not pay it, the household will be punished, and the people's grievances are ............."

………………。

All of a sudden, the old party and a number of centrist officials opposed the Seedlings Law.

Zhang Dan's face was suddenly embarrassed.

"The annual interest rate of the Seedlings Law is only four cents, and the private sector generally borrows at least double the interest, and the Seedlings Law benefits the country and the people." Zeng Bu also frowned and retorted.

Yushi Yang Wei retorted: "Although the interest rate of private loans is high, it is relatively relaxed, and although the interest rate of the Qingmiao Law is slightly lower, it must require the repayment of the debt with silver money within a limited time, which is extremely strict. ”

The income of the seedlings money is related to the career of the officials, and the officials naturally do not care about the life and death of the people when collecting the seedlings money, and in order to recover the seedlings money as much as possible, the officials act extremely roughly.

"Borrowing money to repay money is a matter of course, private borrowers are ruined, and the court's green seedling law has been exhausted." Cai Bian, the waiter of the Ministry of Rites, also joined the battlefield.

All of a sudden, above the court, there was a lot of noise, and the Qingmiao Law was full of resistance.

After retiring from the dynasty, Zhao Xu had a headache, and circled around the back garden Yuhu several times to vent his dissatisfaction, he didn't understand why the Qingmiao Law that was clearly beneficial to the country and the people would be resistant.

Fan Zheng shook his head and said: "If the official wants to know why the Qingmiao Law is full of resistance and the people's grievances are monstrous, they only need to analyze the motives of the new party and the old party!" Neither motive exists, and the natural seedling method cannot succeed?. ”

"What do you mean by that?"

Zhao Xu was puzzled.

Fan Zheng asked rhetorically: "Does the official know why the old party blocked the Qingmiao Law, and really asked for the people's lives?" ”

Zhao Xu shook his head, although there are all kinds of problems with the Qingmiao Method, but on the whole, the benefits still outweigh the disadvantages.

"Most of the old party officials were from wealthy landlords, and the families behind them were the main force behind private lending, and the implementation of the Qingmiao Law naturally damaged their interests, which is the reason for their opposition." Fan Zhengdao.

"I see!" Zhao Xu frowned.

"Although there is convenience in private lending, but its interest is usually as high as double, nine out of thirteen, cutting off the interest is a common means, the people are miserable, on the whole, it is more harmful than good, therefore, the green seedling law came into being."

"As for the New Party, they did see that the people were suffering from usury, but their approach was not to save the people from fire and water, but to choose to join it and share a piece of fat." Fan Zheng said again.

Zhao Xu's face was suddenly embarrassed.

"Whether it is private lending or the green seedling law, it is just drinking water to quench thirst, not only can not benefit the people, but also make the people fall deeper and deeper. Fan Zheng criticized mercilessly.

"A raccoon dog?"

Zhao Xu couldn't help but twitch.

"Then in Fan Aiqing's opinion, the Seedlings Law should be abolished?" Zhao Xu asked.

"Naturally not, the people who urgently need to borrow money are in urgent need of blood transfusion treatment like people who have lost blood, and whether it is private lending or the seedling method, it can allow the people to save the emergency, from this point, the seedling method with lower interest rate is better than private lending." Fan Zheng shook his head.

"Fan Aiqing is evil...... Effective prescription? Zhao Xu raised his eyebrows.

Fan Zheng automatically ignored Zhao Xu's slip of the tongue, but said proudly: "There is naturally a good prescription, that is, to treat others in the way of others." ”

"The way of others is still the way of others?" Zhao Xu was puzzled.

Fan Zheng said solemnly: "Standing in the position of the imperial court, it is natural to want to curb the harm of private usury, the harm of private usury is very serious, but it has the advantage of convenience, the old party attacked the new party's green seedling law with an annual interest rate of more than forty percent is a policy to harm the people, in this case, why don't the officials treat their people in the same way, and directly order that the annual interest rate of private loans shall not exceed four cents, otherwise the government will not recognize it." ”

"A good one is the way of others, and he also governs the body of others." Zhao Xu was stunned.

The old party always stands on the moral high ground to attack the new law, and this time, he wants to make the old party dumb and eat coptis chinensis, and at the same time, he can also give full play to the advantages of private lending, and at the same time avoid usury harming the people as much as possible.

"As for the Qingmiao Law, it seems to be a low interest rate, but in fact it can be doubled, and there are even various nominal apportionments, which make the people very dissatisfied, although they can collect money, but they cannot achieve the purpose of saving the people, and if you want to save the people, you must give up collecting money. According to Weichen, the annual interest rate of the Seedlings Law is the highest one. Fan Zhengzheng said.

"One point!"

Zhao Xu couldn't help frowning, this is an unprecedented low interest, can the imperial court really make money?

Fan Zheng shook his head and said: "The official family doesn't know, the annual interest of one cent is already a lot, take 10,000 yuan as an example, the principal and interest of one cent a year is 11,000 yuan, and the principal and interest can reach 25,000 yuan in ten years!" ”

In this era, there is no compound interest algorithm, and when Fan Zheng uses compound interest to calculate the principal and interest of 10,000 yuan for ten years, even Zhao Xu can't help but be excited.

"In addition, the high-class household's guarantee is also a monstrous grievance among the people, why don't the officials let them voluntarily guarantee, if the borrower can't pay it, and then let the guarantor repay the loan, he has nothing to say." Fan Zheng once again improved the strong guarantee system of the Seedlings Law.

"But in this way, how many people in the world are willing to vouch, and I am afraid that the green seedling money will not benefit the people who really need it." Zhao Xu frowned.

"As long as the people are innocent, there is no need for a mortgage as follows! Traditionally, farmers can use their own fields and real estate as collateral! Of course, the money borrowed from BIBS should be less than the market value of the collateral. ”

Fan Zheng will go through the various processes of bank loans in the future.

Zhao Xu bowed slightly, this method is indeed more perfect and feasible in the new law.

"Even so, in order to prevent the recurrence of the Seedlings Law, the government can let the old party supervise the Seedlings Law, and the new party can crack down on usury among the people, so that the old and new parties can supervise each other, so that the Seedlings Law can become a good prescription for everyone." Fan Zheng said solemnly.

"Checks and balances!"

Zhao Xu suddenly thought for a moment.

(End of chapter)