The reason why Qingmiao Law evolved into an "evil Law" is actually a necessity.

The fiscal revenue of the Song Dynasty dropped sharply at that time, while the military and other fiscal expenditures consumed huge financial resources every year, which made the finance at that time "a hundred years of accumulation, only empty books are left."

Calls for reform of officials are now rising, and Wang Anshi is one of the best.

When Emperor Song Dynasty ascended the throne, the new emperor who had long admired Wang Anshi also hoped to improve the financial problems of the court through reforms, so he was granted the position of Wang Anshi as the chief of political affairs and was appointed as the prime minister the following year.

Wang Anshi also carried the banner of reforming the Song Dynasty. In order to realize the ambition of "financial management and saving the country", he also proposed the Qingmiao Law and implemented it in various places.

It can be seen from this that the birth of the Qingmiao Law was not to save the people from water and fire, but to solve the financial problems of the Song Dynasty, and to obtain a steady stream of benefits from the "Qingmiao Law".

Although the Qingmiao Law embodies the "gentle side" at the beginning of its formulation, its "face of usury" was quickly exposed during the specific implementation process.

The same is true. In the early stage, it was implemented on Hebei Road, Jingdong Road and Huainan Road, and later other roads were implemented. In the actual operation, the loans were returned with the summer and autumn taxes, and two cents of interest were collected for each period.

In fact, there are those that weigh three or four points.

If the half-year interest paid by the local government to the people is three-cent interest, then the annual interest will be as high as six-cent interest, and this interest will be no less high.

Even if the "Qingmiao Law interest rate" can be lower than private usury, it is just a "fifty steps to laugh at a hundred steps", which is also a kind of harm to borrowers. There is no essential difference between those gentry who make money through usury and annex land.

.

From the standpoint of the working people, whether it is the six-point slightest breath of the court or the eight-point slightest breath of the local gentry, it is just to make them slide into the abyss slower.

The same is true. The Qingmiao Law of the Song Dynasty could not win the support of ordinary people and was fiercely resisted by the local gentry group with vested interests. Then its fate was doomed to end in failure.

The sky was gloomy and the north wind was running around in the empty fields, but it didn't look like it was going to rain.

The carriage slowly drove forward in the middle of the road and saw the towering city of Beijing, the imperial capital that mastered the dynasties of the two capitals and thirteen provinces.

Lin Weiran listened to the sound of the car wheels being transported, and was very clear that the Ming Dynasty had entered an era bound by usury shackles, and also clearly knew that Wang Anshi's Qingmiao Method could not solve this problem.

The Qingmiao Law in Wang Anshi's era could not solve the problem of greed in the court, and the current Ming Dynasty's finances are not much better than that. Even if the Qingmiao Law is introduced, it will become an "evil law".

As for the charity warehouse, although this granary set up by the local sages in the year of preventing the wasteland, it can alleviate the problem of usury, but it is more like a charitable act in later generations, but it does not have the ability to solve usury.

In Lin Qinran's view, the way to truly save the people is not to replace usury loan sharks by the court, but to suppress usury loan sharks and provide the people with a long-term and stable low-interest product.

Given the experience of later generations, if the Ming Dynasty granted bank licenses to some private consortiums to establish banks regulated by the state, this would undoubtedly effectively solve this problem.

Only when the imperial court interferes with the lending interest rates of banks and firmly limits these lending opportunities to distribute usury products, can society be maintained. An era full of high-interest products will inevitably cause more and more people to go bankrupt, and then like the Yuan Dynasty.

Going towards destruction.

As the carriage drove into Beijing, Lin Weiran, who had been silent all the way, suddenly asked: "Rong'er, what is the current annual interest rate of United Money Bank?"

In the carriage, Hua Yingrong and Wu Qiuyu sat apart.

The two of them started chatting for a while and asked Lin, who was riding a horse, what had just happened under the banyan tree. However, after realizing that Lin Weiran was in a bad mood, they also chose to remain silent.

Hua Yingrong was slightly stunned at first, and then responded seriously: "Our joint bank divides into commercial lending and agricultural micro-loans. The highest interest rate for one-year commercial lending is three points, and the pass rate for one-year agricultural micro-loans.

The highest is one cent and eight cents!"

Lin Weiran frowned slightly and said lightly: "It's still too high. Let's drop six cents in both!"

"Yes!" Hua Yingrong didn't expect this man to make such a profit-loss decision, but he didn't dare to ask or object, so he nodded silently and agreed.

Through strong financial resources, United Money Bank set up branches from south to north, resolutely became the largest chain money house in the country and the largest lending institution in the Ming Dynasty.

As long as they are willing to sacrifice their reputation now, they can become the largest usury banker of this era and make the United Bank a super money-making machine.

However, since the establishment of the United Money Bank, this man has firmly restricted the interest rate of the United Money Bank and has already adhered to the positioning of low-interest lending.

Now, United Money Bank has lowered the lending interest rate again. Although it will win greater favor from the public, it will undoubtedly further reduce the profitability of United Money Bank.

Lin Weiran looked at the lively street through the floating curtains of the car, and explained for his decision: "I hope that the United Money House can always operate at low interest rates, which not only helps the Ming Dynasty develop industry and commerce, but also helps that need.

People!" After a pause, he turned his head and looked at Hua Yingrong and asked seriously: "You will help you, right?"

The floating curtains swayed, and the light outside reflected in, accompanied by a noisy sound.

Hua Yingrong smiled sweetly on her face, and her eyes with affectionate eyes responded with love: "What husband wants to do is what I like to do!" After a pause, she added: "I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I am the one I

I am not a greedy person, but mainly want to do something I like. Now, the uniting money house can help people, earn money, or help my husband. I am very happy in my body and mind!”

Lin Weiran saw Hua Yingrong's sincerity and explained the situation seriously: "This matter will be very hard and will face great resistance in the future. You may have to be mentally prepared!"

"I know, but I will advance and retreat with my husband!" Hua Yingrong naturally knew that their joint money house would be unwilling to the times, but he responded with affection.

cough……
Chapter completed!