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When Zhao Ran met with Zhang Yunzhao, the supervisor of the Xizhenwu Palace, Zhang Yunzhao gave him an order to roll out the matter within three months, and the reason why there was such a deadline was precisely because Zhang Yunzhao had already been keenly aware that the grain harvest in the entire Long'an Mansion this year was not very optimistic.

From March until early June, there was not a single rain in northern Sichuan, and there was still river water to irrigate the farmland along the river, but in the central areas of the counties, especially around the county seat, the streams were almost bottoming out, and many fields had to rely on well water for planting. Not only Longan Province was affected, but also the northwest of Boryeong Province and Kuizhou Province were in the midst of an increasingly severe drought.

In addition to the drought, the ongoing Mingxia War in Songfanwei also lasted for three years, resulting in an increasingly poor supply of goods throughout northern Sichuan, which also had a great impact on farmers, making them much less likely to survive the drought.

Zhang Yunzhao was worried that once the drought continued, the entire Long'an Mansion would fall into a huge disaster, and as the de facto lord of the First Mansion, he didn't dare to imagine what the consequences would be.

In order to do a good job of prevention, Zhang Yunzhao and Feng Governor of Long'an Prefecture have met secretly many times in a row, and have repeatedly discussed how to deal with the disaster. When Zhao Ran returned to Guyang County and began to prepare for the charity fund loan, Zhang Yunzhao conveyed to Zhao Ran his request to speed up the preparation process of the charity fund.

As the time gradually enters the autumn, Zhang Yunzhao began to appear more anxious, the news from the counties is extremely unoptimistic, this year's overall reduction in output is already an indisputable fact, at least half of the fields will be reduced by more than 70%, of which one-third of the grain fields can already be determined that there will be no harvest.

Zhang Yunzhao's letters to Zhao Ran became more and more frequent. Almost every three days, he urged him to do his best to issue charity loans, so as to avoid a large-scale escape of peasant households. If Zhao Ran disburses the loan by the end of July, it will be fully rolled out in the four counties of the prefecture in September! For this reason, he sent a special letter to Song Zhiyuan of the Wuji Academy, asking Song Zhiyuan to do his utmost to support Zhao Ran in issuing a charity loan, and at the same time asking the Feng Governor to issue an official document to the Kong County Order, asking the Guyang County Government to fully cooperate.

Under the strong impetus of Zhang Yunzhao, the entire Guyang County was running rapidly, and Zhao Ran's process of preparing for the charity fund was sharply accelerated.

In mid-July of the 15th year of Jiajing, the charity fund opened by the Charity Hall in the east of Guyang County officially lent money to the peasant households in the county. In order to spread the news as much as possible, Zhao Ran mobilized the poor people who were receiving assistance in the charity hall, divided these people into more than ten groups, went to the village to visit households, and served as "salesmen" for charity money lending. Their task is to go directly to the villages of the county, publicize the matters of the charity fund in place, and then handle all kinds of documents on the spot. Farmers who need to lend money can go to the charity hall to receive charity loans with these documents. Zhao Ran finally applied for Qingmiao money from the households in Guyang County, and went to the Long'an Mansion to receive the money.

The amount of charity loans granted by the Charity Hall varies. According to the disaster process of the peasant households, the minimum is 10 taels, and the most is 20 taels, of which one-third is used as the peasant households' ration money for half a year, one-third is used to buy seeds, and the remaining one-third is repaired or purchased agricultural tools and used as a reserve turnover.

This kind of peer-to-peer door-to-door service lending method has just been introduced. Immediately showed a strong power, from the middle of July to the end of July, in just ten days, Zhao Ran's early investment of five thousand taels of funds was exhausted. More than 300 rural households have benefited. A large amount of silver money was spent, and Zhao Ran got excellent feedback for the first time, and his merit in the sea of qi increased rapidly, and the shape was very gratifying.

Compared with the previous help to repair people's houses, comfort the extremely poor, and help with food, this time the merit power increased in the sea of qi is completely different, and every three or five strands of merit power in the past can be converted into a trace of mana, and now the merit power harvested, every trace can be converted into three or five traces of mana! Of course, the transformation of merit power and mana is not a simple numerical relationship, but the huge difference in its effect can be clearly perceived, and as a result, Zhao Ran has a further understanding and understanding of the connotation of merit.

After the charity money of 5,000 taels of silver was lent out, Zhao Ran could theoretically take these loan agreements to the county government to apply for Qingmiao money, and then go to the Qingmiao warehouse of the government to receive real money, but in practice, this process takes a while, the county has the full cooperation of Wuji Yuan and the county government, and the government has the full support of Xizhenwu Palace and the government office, Zhao Ran compressed this process to seven days. Moreover, the green seedling money received will be depleted, about one to one to five percent, that is to say, Zhao Ran's first investment of five thousand taels of silver will eventually have a deficit of about five hundred to seven hundred and fifty taels.

Zhao Ran was not afraid of the deficit, but he could not ignore the seven-day gap period, fortunately, he was rich and wealthy, so he immediately took out the money and invested 5,000 taels of silver again to support the lending turnover of the charity fund, so that the charity fund could run smoothly.

In the following month, the lending of charity funds formed a peak, especially on the tenth day of the eighth month, Zhao Ran's merit power in the sea of qi increased by hundreds of threads, you know, when it comes to thick Cheng Dùlai, every trace of merit power is more than ten times that of the previous one! Zhao Ran took a whole night to convert all of it into mana.

Zhao Ran verified his mana according to the method of the "Innate Merit Sutra", just a month ago, he could only ignite a flame more than three inches high from his fingers, and now the flame is more than three feet high, and it is wrapped around his arm, like a huge torch. Zhao Ran looked at the raging flames, he felt frightened, he was really startled at the beginning, he shook his hand and wanted to throw the torch out, but he couldn't shake it off for a long time, and then he checked the scriptures and knew that this belonged to the category of the Shenxiao Thunder Law, and it was not something that could be done simply.

Fortunately, although the temperature of the flame is very high, it will not affect him, the master, otherwise it would really be a joke about playing with fire and self-immolation.

Zhao Ran's charity money lending was very successful, but it soon brought a big problem, and the silver was distributed, but the silver could not be eaten as food, and it could not grow food when planted in the ground.

Zhao Ran released tens of thousands of taels of silver, and this money soon had an impact on the grain price in Guyang County. According to the previous estimates of Zhao Ran and the county government, the grain in Guyang County can consume this silver money, not to mention that 10,000 taels of silver will not enter the market at one time, but will be used in installments within half a year, which leaves room for Zhao Ran and Guyang County to allocate grain and seeds. But the current situation is that before September, the grain price in Guyang County has risen from 30 wen per bucket to 100 wen per bucket, and the grain price has more than tripled!

If the price of grain remains at this level, then the ten taels or twenty taels of silver lent to the peasant households will be reduced by three times, and the lending of charitable funds will not be able to solve the problem of the peasant households surviving the disaster year.

For Zhao Ran, the most intuitive feeling was that as September approached, the merit power that grew in his body began to become thinner, and compared with the thick merit power at the beginning, the effectiveness of the transformation mana became weaker and weaker.

After a little inquiry, both Zhao Ran and the county government immediately figured out the reason: this is the unified behavior of the wealthy gentry in Guyang County, and they are hoarding!

Zhao Ran and Kong County Commander immediately reported this situation to the West Zhenwu Palace and the government office, Kong County Commander was very troubled by this, he personally sat in the county government, convened the big gentry in Guyang County to discuss, and wanted to force the gentry to let go of grain sales, but the result was of course disappointing, the gentry shirked with various excuses, in short, they did not sell grain.

Seeing that the negotiation failed, Zhao Rantong Guò Jingzhimo directly proposed to Zhang Yunzhao a proposal to solve the problem: severely crack down on these wealthy gentry who hoard and live in strange places, and do not hesitate to kill people if necessary!

Zhao Ran's construction can undoubtedly have a deterrent effect, and the results are immediate, but the consequences are not something that anyone can bear, and Zhang Yunzhao and Feng Zhifu can't make up their minds for a while