Just after the Midyear Festival, many officials wrote letters one after another, enumerating the difficulties of the people in borrowing and poverty, and imploring the imperial court to increase lending to help the people in distress and emergency.

But where did the imperial court get so much money?

Last year, the imperial court experienced several major turmoil, and even the gods were blown off a large piece, plus a catastrophe that had not been encountered in a century...... If it weren't for the increase in commercial taxes at the end of the year, the imperial court would breathe a sigh of relief, but I was afraid that even the various expenses of this year would have to be reduced.

Being able to maintain the previous loan amount can be regarded as squeezing money out of between the teeth!

The court has no money, what should I do?

As a result, some people said that wealthy households in various localities could be allowed to set up poverty alleviation loans, similar to the loans of the Daxia Bank, but they should be strictly managed.

However, what kind of "strict management" method is the case? The ministers were unable to come up with a result for a while.

A few days later, the prince read Zhang Hao's book and put forward two suggestions.

Article 1: The interest rate of the poverty alleviation loans established by wealthy households in various places shall not be higher than the loan interest of Daxia Bank - after all, this is a matter of benefiting the people's welfare, and if you don't want to, you can not do it, and no one will force you to lend.

Article 2: The lending of poverty alleviation loans can be presided over by merchants, but the collection work can only be done by the imperial court - everyone is not an ignorant child, and everyone knows how cruel the methods of debt collection are by the people.

After Di Renchen, who had been frowning, saw this suggestion, he was suddenly overjoyed, and summoned Zhang Hao, who had put forward these two suggestions in the book, and asked the right one in the imperial study.

Then, a decree was issued, and Zhang Hao was promoted to a member of the household department, who was specifically responsible for the establishment of poverty alleviation loans.

Poverty alleviation loans in various localities have been launched in a lively manner since then.

It's just more than ten days, and most of the large and small cities in Kyushu have their own poverty alleviation banks.

This poverty alleviation bank was not a court institution, but was financed by wealthy families from all over the country to raise money and then lend money to poor families. The interest rate on its loans is not only lower than that of the private loan sharks in the past, but it is even lower than the interest rate of two cents of the Daxia Bank - only one cent and nine cents!

What does 1,190 percent of interest mean? Borrow 1,000 yuan, and after a year, you only need to repay 1,190 yuan.

In these years, what kind of business do you have, and you don't have two or three points of income a year?

Such a loan is equivalent to benefiting the people!

In particular, the poverty alleviation bank lends loosely, as long as the identity is verified, you can borrow money on the spot. Compared with Daxia Bank, which needs to go through a three-day review, it is really much more convenient.

...... Many times, people need money for emergencies, but it's actually a matter of immediate importance. Wait for three days, and it's often too late!

For a time, the people rejoiced, and there was an endless stream of borrowers, and almost even the threshold of the poverty alleviation bank was trampled on.

Pan Long naturally also got the news - a poverty alleviation bank has also been built in Dingfeng Town, and the main investors are the Pan family and several other large households.

He sat in the restaurant opposite the poverty alleviation bank, looking at the endless stream of villagers who went to borrow money, and couldn't help frowning.

"I don't think there's something quite right. He whispered.

Han Feng, who was sitting opposite him, smiled and shook his head: "Brother Long, you think too much." The interest of one cent and nine is so kind, it is almost like giving it away for nothing. It's a good thing that the poor borrowed this money to get through it!"

"What if they don't?" Pan Long asked.

Han Feng laughed: "It's okay if you don't pay it yet, anyway, this poverty alleviation bank is mainly paid by your Pan family, Brother Long, do you still lack this money?"

Pan Long thought about it and smiled himself.

As Han Feng said, it's not ...... Then forget it, the villagers are not a lot of money, so can't they still collect debts?

Quan Dang made a cameo appearance as a penny hero, and gave money to the poor.

When they said this, the faces of the other wealthy people in the box who invested in stocks suddenly did not look good.

A middle-aged man couldn't help but say, "Long Shao, we are not doing this business to make money." But we can't even lose our money!"

"Yes, there are few dragons and few winds, you two have a lot of money and don't care about this money, but if we lose our capital, we will be very distressed!"

"Everyone believes in the Pan family and participates in this matter. You can't just let us cut the meat......"

Seeing that the local elders who were familiar with him were complaining, Pan Long said with a smile: "The total investment of this poverty alleviation bank is only 50,000 taels of silver. If you elders are worried, how about buying your shares at your own expense?"

He said it so loudly, those rich people were embarrassed, and they all said that they had no such intention, and everyone believed in Long Shao's character and vision...... Yunyun.

The day passed quickly, and at dinner, Han Feng, who went to the poverty alleviation bank to check the accounts, told Pan Long that in just one day, he had released a loan of more than 3,000 taels of silver.

"It's so lively today!" Han Feng said excitedly, "In my opinion, tomorrow will be so lively, maybe even more lively!"

"It's not a bad thing to be lively. Pan Lei smiled and said, "It's always a good thing that the poor can borrow money." ”

"That's right!" Han Feng nodded again and again, "The imperial court's idea this time is very good, so that our people can lend money to help the poor, so that when the poor need money, they can directly find the poverty alleviation bank, so that we don't notice." ”

But then he frowned and said, "...... It's just that, judging from the current situation, I'm worried that the principal of 50,000 taels may not be enough. ”

Pan Long smiled: "If it's not enough, I'll come out again." I don't have a mountain of gold and silver, but tens of thousands of taels of silver, what is it?"

He didn't have much gold and silver on hand, but there were countless valuable treasures and elixirs. As long as you take out a little bit, you can get a lot of money at any time.

Don't say 50,000 taels, add ten times, he can get it!

Han Feng frowned and said, "But in this case, Brother Long, you will lose a lot!"

"What's the point of losing some money?" Pan Long didn't care, "I have money, but the poor are short of money, what should I do, don't you understand things very well?"

Han Feng gave a thumbs up: "Brother Long deserves to be Brother Long!

Pan Long smiled: "It's not atmospheric, in fact...... It's nothing more than money. If I didn't have any money, I wouldn't have performed better than the worried elders today. ”

As he spoke, he sighed softly: "Money, indeed, is indeed a good thing." Although having money does not necessarily make the ghost grind, but there is no money...... It's really a no-no!"

"Yes, I hope that all the people of the world can have money, and everyone can live in peace and security, without starvation or cold...... That's good!" Han Feng also sighed and said.

"There will be such a day!" Pan Long nodded and said, "Even if it is not for the time being, it will be in the future." After all, the world is constantly evolving, and there will come a day when everyone can enjoy peace and clothing!"

He looked far away.

He had seen it that day and hoped to see it again!