As Liu Zhiguang said, the charity fund system can be implemented in Junshan alone, but it is a bit reluctant to put it in the whole county, and as for continuing to promote it to the entire Long'an Prefecture, it will definitely not work without making changes. In addition to the resistance to the implementation is too great, Zhao Ran always pays for the interest rate difference personally, what is going on?

Those who know the inside story may praise "Abbot Zhao's mercy", and those who don't know the inside story will scold him for being careless, if he has ulterior motives, I'm afraid Zhao Ran will have to go around without food.

So what is the fundamental reason for the maladministration of the green seedlings money? The interest rate set by the imperial court is four cents, and these four cents are used by the imperial court to subsidize the consumption of the government's operating green seedlings money, but in actual implementation, the officials who handle the green seedlings money will lend to the gentry and wealthy merchants at an interest rate of 20 percent, and the green seedling money lent out is five times the original money interest, and eight percent of the income is handed over to the public, and the majority of the money is privately swallowed.

When the gentry and wealthy merchants did not need to pay the money in advance, when they received a request from the peasants for loans, they lent the money with their left hand at an interest rate of 20%, and the interest rate on the right hand was directly lent to the peasants at a rate of 10%, and the interest on the money borne by the peasants changed from the original 4% to 30%!

Eight percent of the green seedlings' money interest was divided by the jungle of the ten directions of the Daomen and the government, and one or two percent was taken away by the officials, while the gentry and wealthy merchants enjoyed the remaining one percent.

To put it figuratively, it is the jungle of the ten directions of the Daomen, the government, the officials and the wealthy businessmen of the gentry and the wealthy businessmen who share the feast of green seedlings and money.

What should be done in the case of reform? Undoubtedly, it is to cut interest rates.

According to Steward Li's experience in implementing the charity fund system for many years, the tolerance of farmers to money interest is actually not bad, and the interest they can afford should be about 10% or 2%.

Therefore, the interest on the seedlings should be directly reduced from 30% or even 40% to 10% and 2%.

Directly kick the officials off the table, and then reduce the number of gentry and wealthy businessmen who share the feast!

Rearrange the list of people who will be served at the table, this is the essence of all reforms.

In this reform, the Taoist Yuan and the county government worked closely together, and Liu Zhiguang and Kong Xianzun reached a consensus, first of all, to withdraw the officials from the function of handling the Qingmiao money, not to let them interfere in it, and directly cut off the part of the officials who were deducted, so that they did not have the opportunity to put money into their personal pockets. If this knife goes down, the interest rate of the money can be reduced by about one or two.

The second is to divide and disintegrate the gentry and wealthy businessmen, and draw in some of the stronger ones to share the money and interest, so as to further reduce the resistance to reform. That is, the Qingmiao money is subcontracted to several powerful large households, and these large households are responsible for lending the Qingmiao money and handing over the work of the officials to them.

The specific method is to lend the green seedling money to a few powerful gentry and wealthy merchants in the name of four percent of the money, so as to avoid the legal risks of the imperial court. The large borrowers adopt the method of dividing the land, and each family is responsible for a fixed area and lends it to the peasant households at an interest rate of no more than 10% or 2%. The interest on the money collected will be handed over to the Taoist Academy, and the fourth cent will be handed over to the county government, and the remaining four cents will be used as their handling income.

The peasant households borrowed the green seedling money within their affordability, the Taoist Yuan and the county government also got a share of the profits, and several large households obtained stable income that could be streamed for a long time, and only the remaining part of the gentry and the officials who could not intervene were damaged.

So how can we ensure that the interest rate on the money lent out by the gentry is not higher than 1/2 percent? The suggestion given by Steward Li is to open bidding and bidding throughout the county. The maximum interest rate of the auction is set at 10% and 2%, depending on who quotes the lowest price. On the basis of the quotation, at the same time, the comprehensive strength of the large bidders is evaluated, and the large households with relatively clean family background, relatively good reputation in the neighborhood, strong strength and wide influence are selected to subcontract Qingmiao Qian.

As a monitoring measure, the charity funds continue to be parallel, but the interest rate is set at 10 percent, and once a farmer is found to have borrowed charity funds, he or she is immediately investigated into the jurisdiction from which the farmer is a large subcontractor, and why he cannot borrow the money at a lower interest rate. Once verified, the subcontracting qualification will be cancelled and the qualification will be transferred to others.

As a result, the charity hall founded by Zhao Ran has changed from an implementer to a supervisor, and the seedling money system can truly benefit farmers.

This is a discounted reform of the Seedlings Money, which is more modest than the original way and has fewer enemies. There will certainly be problems in the implementation process, but through a two-step approach, it will be implemented in the Junshan trail area first, and the buffer and adjustment period will also be guaranteed.

Who this plan came from, I don't know, but Liu Zhiguang pretended not to know, which is tantamount to taking the responsibility he may bear in the future as much as possible on himself.

For such a good prison, Zhao Ran expressed great satisfaction. But relieved to be relieved, he couldn't transfer his merits to Liu Zhiguang, so he resolutely excused himself, saying that if there was any guilt, of course, he Zhao Ran would bear all of it.

After talking about the green seedling money, it is time to talk about the second item, the large-scale construction of roads and ditches in the county.

Liu Zhiguang was very well prepared and took out the map of Guyang County, which had already marked the roads that needed to be repaired, the canals that needed to be excavated, and so on.

Among them, there are two new roads, totaling 80 miles, and four renovated roads, totaling 170 miles. The construction period is expected to be five years, and according to Zhao Ran's requirements, they are all placed in the agricultural slack period. It is expected that after the renovation, the traffic situation in Guyang County will be greatly improved, and travel will be more convenient.

In addition, 18 large and small canals will be excavated, with an estimated total length of 30 miles, and 32 canals will be renovated, with a total length of 70 miles. The project is small, but it is complex, fragmented, and labor-intensive, and Liu Zhiguang expects it to be completed in three years. Once completed, the farmland in Guyang County will basically be fully covered by canals, and grain production will surely reach a new level.

One for five years, one for three years, Zhao Ran is definitely not satisfied. He said directly to Liu Zhiguang: "Three years and five years is too long, let's just seize the day." In this way, the people in the Junshan area have been very experienced in digging roads and ditches in recent years, and we have recruited 200 people from the Junshan area to be fully responsible for this project. Farmers in other places do not need to participate, and they will not waste money and money. ”

Liu Zhiguang hesitated: "Two hundred? Will it be too little? How long will this last? Moreover, if it is not in the form of conscription and labor, the Taoist Academy will have to pay the wages of these two hundred people, which may be a little unsupportable." ”

Zhao Ran said: "To tell you the truth, I am a Taoist walker, I have a way to recruit free labor, and these laborers are all capable, one up to a hundred!"

Liu Zhiguang suddenly said: "I see, does the abbot want to perform immortal arts? It's really wonderful, I will have to go to meet it then." ”

Zhao Ran smiled and didn't explain, and continued: "As for the two hundred laborers recruited from the Junshan area, I will pay for these silver, which is considered a part of my heart to the people of Guyang County. ”

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