A great man of the Northern Song Dynasty

Latest website: Lending money is nothing new in the Song Dynasty.

The people of the Song Dynasty, especially farmers, were squeezed by high taxes and their lives were tight. Once there is any disturbance, natural disaster or man-made disaster, they will immediately become poor.

Poor people who have no food and want their whole family to starve to death.

what to do?

If you don't borrow money, you will starve to death. Regardless of loan sharking, you should first borrow money to fill your stomach.

So loan sharking came into being.

It’s not like the DPRK had never thought of banning usury, but there were too many poor people!

Once usury is banned, who can help these poor people when they encounter difficulties?

No one will reach out, they will become beggars and refugees, and corpses of people who died of cold and starvation will often be seen on the roadside...

At this moment, only usury can help them, even if it means drinking poison to quench their thirst, surviving is better than anything else.

The interest rates on loan sharks are frighteningly high, and a monthly interest rate of five cents is normal, and there are even higher ones.

This is an alliance under the city. If you don’t lend money, your whole family will starve to death. What will you do?

Borrow it!

The profits from loan sharking are so huge that rich people who have some spare money are attracted to hand over their money to the "Qiantou", who will lend it out.

Most of the powerful people got involved, but the officials were watching the show.

Later, Wang Anshi couldn't bear to see it anymore, so he introduced the Green Seeding Law.

The interest rate of the Young Crops Law was much lower than that of loan sharks. It was thought that it would relieve the people's plight and allow wealthy households to provide guarantees and other deviations. In addition, the people who implemented it had various manipulations. In the end, the Green Crops Law harmed many places.

Shen An thought about how to solve this situation countless times, and the monarchs and ministers present also thought about this problem countless times, but there was no way!

But at this moment, Shen An's suggestion was like a bomb, waking them up in an instant.

"Who will open the bank?" Han Jiang was trembling. He felt that he was witnessing the process of a problem being peeled apart.

"Of course it's the court." Shen An felt that this question was unsatisfactory. "This bank has to absorb people's copper coins and lend money. If it is just this, this bank will be very big... very big."

"How big is it?"

"Everywhere."

Why! Saved money!

Shen An remembered the scene in the bank in later generations...

"Count it clearly, thirty thousand coins!"

"Shit! There are so many coins, when do we have to count them?"

Shen An later saw coins being counted in a bank, and a group of female salespeople squatting there to count them, watching with despair as if they had no hope of life.

The mainstream currency in the Song Dynasty was copper coins. I think people in the bank would go crazy when they encountered large certificates of deposit.

"Open a bank in Chaozhong?"

Lu Jie said angrily: "How can you open a bank in the middle of the court? That's not..."

"Why can't it be opened?" Shen An asked back: "Do you know how much interest the people borrowed before their families starved to death?"

Lu Hui shook his head.

"Of course you don't know." Shen An sneered: "You are a famous person, and you have been pampered since you were a child. How do you know the hardships of the common people. The interest of those common people on loans is as high as five cents. Do you know who can pay back the five cents of interest? Can you afford it?”

"I can't afford it!"

Shen An was roaring angrily, roaring at Lu Hui.

"Once you take out a loan, your family is almost ruined, with few exceptions. People are suffering. Do you see it? Do you hear it?"

Lu Hui's face was slightly cold.

"You can't hear it. If you hear it, you still think it's someone talking in your sleep, because to people like you, the common people are just pigs and dogs! Pigs and dogs that can provide money and food!"

Shen An pointed at him and said: "But in someone's eyes, you are just pigs and dogs! No, you are not as good as pigs and dogs!"

These people continued to argue in the future, and their disputes over the New Deal developed into crony disputes. They left the country and the people behind, and only wanted to put their opponents to death...

Thanks to their "efforts", the New Deal was successfully implemented.

At the end they were cheering for victory.

But the Song Dynasty is sinking!

Who cares about the decline of the Song Dynasty?

Wang Anshi cares.

Those who only want to revitalize the Song Dynasty care.

Only they don't care!

"presumptuous!"

Lu Jie was angry and was about to rush over, but was hugged by someone.

"Let me go, I will definitely put him in a dilemma between life and death today!"

He was struggling hard, his beard and hair bulging, and it was scary to look at.

"Lu Zhiza..." the person holding him said, "Shen An is a famous general who has killed many people!"

Boss, Shen An has fought many times in battle, and the number of enemies killed will probably scare the shit out of you.

Just because you are like this, why don't you go up to deliver food to Shen An?

Lu Hui woke up immediately.

yes!

Shen An is willing to hang out with those thieves and soldiers, and his current skills are incredible.

Didn’t I come here looking for torture?

He couldn't help but sweat dripping down his spine as he thought clearly about the outcome of this matter.

But people cannot be weak!

I was so tough before, but if I were weak now, everyone would laugh at me.

So he prepared to make another gesture and withdraw his troops.

So he shouted: "I will fight with you today..."

Then he struggled.

Just like that!

But the official holding him was soft-hearted.

Anyone who has tried to persuade someone to fight knows how difficult it is to control a person once he starts struggling wildly, and he will be unable to hold on even if his physical strength is low.

The official couldn't hold on anymore, and Lu Jie paused just now, so he thought he had woken up.

It’ll be good if you wake up!

But who knew that Lu Jie would come again, so it was a tragedy.

With a swish, Lu Hui rushed over.

He was also dumbfounded.

Why did I rush over here?

He saw the joking in Shen An's eyes, and the joking gradually turned into ferociousness.

This kid definitely dares to take action in public.

Thinking of Shen An's great achievements in beating people in the court, Lu Jie regretted it.

Shen An raised his hand, ready to give him a blow.

"alright!"

At the critical moment, Zhao Shu spoke.

Lu Hui also braked in time and stopped two steps in front of Shen An.

How dangerous!

Shen An smiled evilly at him, and the evil aura of the battlefield immediately enveloped Lu Hui.

Lu Hui's face turned pale, and he quickly backed away without caring about his face.

It wasn't until he retreated to the back that he breathed a sigh of relief.

Zhao Shu glanced at him and then asked: "Do you have the bank's articles of association?"

Bao Zheng said: "Your Majesty, this matter involves secrets... If someone knows about it in advance, will something be discovered?"

This kind of thing is not impossible, but very possible.

Bao Zheng glanced at Lu Hui and others, his distrust was palpable.

The party struggle has finally taken shape!

Shen An didn't regret seeing it.

In his opinion, it is impossible to cut off the flesh of those with vested interests without struggle.

Struggle requires teamwork, and teamwork means party struggle.

Good to come!

He was happy in his heart and felt that this situation could not be better.

"Your Majesty, the so-called banks use interest rates to attract people to save money, and the people benefit. After the banks get the money, they can lend money... For example, if a businessman was short of money, he could only borrow usury in the past. How about a bank? The interest rates we offer are lower than loan sharks, and our reputation is guaranteed and we won’t cheat people. Who wouldn’t come to a bank like this?”

Speaking of this, Shen An couldn't help but get excited.

"The people have interest, and the government has money to lend money. People who are short of money can borrow money at lower interest rates. Your Majesty, everyone, can such a bank be opened?!"

"I think this can be done." Han Qi was the first to express his opinion. He nodded slightly to Shen An to show his appreciation, "There are many criticisms of usury, which not only ruined the people's homes, but was also the main cause of land annexation. It was not the case in the past. I thought about curbing loan sharking, but the government is also short of money! So I have been putting it off until now. Your Majesty, Shen An’s suggestion is a good one. It kills three birds with one stone, great!"

Zeng Gongliang praised: "I think you can try it."

Zhao Shu couldn't help but laugh.

Since the exemption law, monarchs and ministers have learned a trick: when something new appears, if we are not sure, let’s try it first.

The so-called trial means to find a place to do a pilot. If it succeeds, it will be rolled out. If it fails, it can avoid greater losses and learn from the lessons and start over.

Bao Zheng, the former Third Secretary-General, said seriously: "Your Majesty, I think this matter has a great chance of success."

He glanced at Lu Jie, with disdain on his brows, "The Song Dynasty is short of money, but the people have money. As long as the money can be drawn out, everything will fall into place. I agree with this matter."

Wang Anshi has been thinking about how to solve the sufferings of the people. After leaving work, his words made people feel inspired.

"Your Majesty, for a long time, the people have found it difficult to survive when there is a lean period. I have thought of many ways. I originally thought that local governments would preside over and lend money to the people who are short of money. The interest would be lower, so that the people would have more money. Being able to weather the storm..."

Isn't this the prototype of the future Green Seeding Law?

Lao Wang still thought of this!

Shen An secretly admired it, but he was not optimistic about Qingmiao Method.

"But after thinking about it, I discovered a problem." Wang Anshi looked very painful, "I originally wanted the interest to be at most two cents, but will the local officials take advantage of it? Is it three to four cents or even ten cents? I thought It's very possible. Such a good law turns into a law that harms the people..."

Lao Wang actually figured it out?

Shen An couldn't help but laugh.

Are these butterfly wings?

"If the officials are not well governed, this method will not work." Wang Anshi seemed to be very clear about this.

Zhao Shu praised: "Wang Qing's words are very true." He said to Shen An: "How to implement this?"

Shen An said: "The bank is a Song Dynasty bank. It can be independently managed by the three divisions. Local officials are not allowed to interfere. This is a must."

After the implementation of the Young Crops Law in history, it became a tool for local officials to amass money and achieve political achievements. It was terrible to see.

Zhao Shu nodded.

"Secondly, there is no limit on loans. If you have it, you will get it. If you don't, you will not have it." Shen An is well aware of the disadvantages of setting quotas, so he is very clear-headed. "After the bank goes down, it will only be responsible for collecting money, depositing it, and making loans. The only one thing is the place. Officials are obliged to provide information about the lender.”

Otherwise, loan fraud occurs frequently and there will be nothing that can be done about it.

"Finally, the interest rate must be low to prevent the people from going bankrupt!" Shen An cupped his hands and said: "Your Majesty, the people of the Song Dynasty are much better off than before, but if they encounter natural or man-made disasters, they will still be ruined. So please do it. The law of the bank."

This is another new law!

Shen An actually did not make excuses for the bank, but named it as a new law.

What's this?

This is a declaration of war!

Zhao Shu couldn't help but perked up and said: "You and Han Qing will discuss this matter more and be ready to report to me. UU Reading www.uukanshu.net "

This is consent.

Shen An was overjoyed and said, "Yes."

These years of business and court experience gave him a good understanding of the situation in the Song Dynasty.

Coupled with what he had heard and witnessed in his previous life, he had the confidence to make this bank a success.

And once the bank succeeds, various benefits will appear one after another. The Song Dynasty at that time...

At that time, the Song Dynasty could use financial means to stir up troubles, and a bloodless war became possible.

He turned around, looked at the sunshine outside the hall, and smiled slightly.

This Song Dynasty really makes people happy!

…

The third update is here, good night. Double monthly pass!