My father-in-law is so straight.

It is natural to reason and borrow money to repay profits.

When talking about the law, there are IOUs and IOUs. The Ming Dynasty law protects loan practitioners. You can’t be a hooligan.

Talking about human nature, our family is in a hurry to help you. I don’t want you to thank my ancestors for 18 generations, at least you should have a grateful heart and don’t burn bridges across the river.

If everyone in the Ming Dynasty was as anxious as Eunuch Wei, there would be any hurdle that could not be overcome and any difficulty that could not be overcome!

Of course, if the Western Shang still dissatisfied and felt that he had been treated unfairly and was oppressed and extorted by the Admiral Maritime Inspector Wei, they could sue the Admiral Inspector respect their litigation rights and support them without reservation to protect their legitimate rights and interests through legal means.

This is the right given to them by the law!

My father-in-law is the most powerful person in the rule of law. His fierce and evil look in his sight is very favored by the old man. This is the mighty teacher.

But I think the Western merchants really sued the emperor, so the emperor was afraid that he would not have to make a fuss about this matter with Eunuch Wei.

After all, Xiao Wei’s deficit has nothing to do with your emperor.

You are the emperor who is allowed to visit brothels every day, so you are not allowed to visit Xiao Wei and half-close the door and climb to the wall?

Procedural justice and morality are not a loss, and my father-in-law has nothing to be afraid of.

Besides, he did this to thoroughly understand the economic institutions of the Ming Dynasty, prescribe the right medicine, promote the rapid development of the Ming Dynasty's economy, and thus maintain an advantage in competition with Westerners.

Not for money!

The conscience of heaven and earth, my father-in-law is not a person who loves money!

This is something you can touch your chest and say to the sky and the earth.

Why do you say so? Because high-interest practitioners are extremely special existences, and social development cannot be separated from them, but their existence also limits social development.

If I don’t go to hell, who will go to hell!

My father-in-law was worried about the country and the people. When he thought about the sufferings suffered by the Ming Dynasty and the land of China, and the possibility of experiencing disasters with his second uncle in the future, he was so sad and worried that he couldn't sleep all night long, and he couldn't sleep even if he had sex!

In view of this, he had to figure out where the root of it was.

Only by finding the root can one succeed in overcoming the disaster and jumping into the old Nascent Soul monster.

My father-in-law didn't think about the family affairs. He was in a big state and he didn't even look at the little Zhu Youjian.

What he wants to see is the heaven, the earth, the heaven and the earth!

Originally, he had always believed that it was the bad weather caused by the Little Ice River and the entry of Manzhou people to the Pass, which caused the Ming Dynasty to collapse.

Therefore, to save the Ming Dynasty, China, and the Han people, we must solve the natural disasters and man-made disasters in China, and at the same time, we must firmly strangle Manzhou.

However, during this period in Jiangnan, after field research, he believed that violence is certainly a means to solve the problem, but if it is supplemented with economic means, the effect will be better.

Only by developing the economy and improving domestic people's livelihood can the military struggle be carried out smoothly. This view is integrated with the initial advice to the emperor to make money.

There must be something wrong with the economy of the Ming Dynasty.

But the root cause is really in the gentry group led by Donglin, and the answer is obviously not 100%.

My father-in-law believed that usury restricted the healthy development of the Ming Dynasty, leading to the corruption of people's livelihood, the shrinking of business, and the corruption of the government. Party struggles only intensified this process, not the real murderer, or half of the murderer, and the other half was usury.

High interest practitioners have a long history in China.

It can be seen that the earliest usury loan should have appeared in the Spring and Autumn Period and the Warring States Period. The "double loan" and "double title" phenomenon described in the book "Guanzi" are clear evidence.

In the late Spring and Autumn Period, some usury merchants even borrowed loans from the princes and emperors. King Nan of Zhou, who was the emperor, was forced by his creditors to build a "debt evasion" to avoid it.

The word "debt over debt" comes from this matter.

After the Han Dynasty, with the development of minerals and the increase in currency, a large number of "Zi Qian families" who specialize in lending to make a living appeared. They used at least ten to get three in profits, and sometimes even ten times more. Even the central government of the Han Dynasty had to raise funds from these usury lenders to quell the rebellion of the seven countries.

During the Tang and Song dynasties, usury had developed into a business closely related to the people, which was very common. Officials' borrowing and living a life of loans were also emerging in history books. Lenders were no longer limited to merchants and monks, but developed into the fact that everyone in society could participate.

Since the Ming Dynasty developed to the present, the commodity economy has been highly developed and stimulated by overseas trade. An unprecedentedly large industrial and commercial class has emerged in Nanzhi and southern China.

This is also what later generations often say about the emergence of capitalism. For example, in the Jiangnan region, a large number of family handicraft groups aimed at producing commodities appeared. The goods needed for maritime trade basically come from these handicraft workshops.

The high development of industry and commerce will inevitably further stimulate the high-interest industries. Compared with the past, the scale of usury in the Ming Dynasty not only expanded, but also had more people participating in lending, and the scope was unprecedented.

Eunuch Wei started to make a move with his left hand and his right hand, and he made another 2,000 taels back and forth. It was not that he really didn't force himself to cheat these Western merchants and earn money and put them in their pockets to enjoy themselves. Instead, he was using economic means to gently solve the problem and solve the ghost that restricted the development of the Ming Dynasty and the development of capitalism.

In today's society, the reason for usury is nothing more than the failure to accept disasters and famines, which leads to the lack of loans in life; loans in heavy taxes and labor, loans in marriages and funerals, houses and other loans.

But no matter what the reason is, the interest rate of rural usury is relatively high. The annual interest rate of grain loans generated when the green and yellow is not accepted is even worse than the "nine out and thirteen return", which is 100%!

In Wusong, my father-in-law learned that the poor in Suzhou borrowed grain and rice from the rich, and paid back the debts during the autumn harvest. One or two. A person in Songjiang Prefecture borrowed ten stones of grain and returned them two years later. Only when the rich were providing relief to the villages or the government provided state relief during famines can the interest rate be set at 20% or 30% per year.

The high interest rates not only destroyed the general production and life in rural areas of the Ming Dynasty, but also accelerated the bankruptcy of small producers. They also absorbed the capital generated by merchants' business and operating handicrafts, making them unable to integrate into the expanded operation of handicrafts and commerce.

Generally, places with more merchants appear, mostly barren lands with narrow land and few fields. Farming is not enough to make a living, so many people engage in handicrafts and commerce.

However, after making money, merchants are accustomed to investing their savings on their hometown land, one is to purchase land, and the other is to lend and collect interest.

This returns to the traditional landlord plus creditor model.

While depriving farmers of their property, high interest rates also pushed up local land prices, leading to an increase in taxes from the government. Under the dual effects, these areas gradually deteriorated from the rural self-cultivated farmers' economy to the farm and serfs' economy.

This has actually lost the ability to pay taxes to the court in the south of the Yangtze River, including some rural areas in the north.

The businessman who becomes a landlord and a creditor is the first and lowest link of the maritime map.

Due to the restrictions of usury, the certain wealth accumulated by business and handicrafts by merchants and workshop owners cannot be upgraded to commercial capital for expanding industries like Europe, but only stays in commercial intermediaries and usury businesses.

Having a little savings in the shopping mall, then opened a debt bill in the city, gave money to lend money, and changed from a businessman to a businessman. A large amount of funds were in the usury industry, which also made it more difficult for farmers and small businessmen to obtain cheap start-up capital.

Although farmers and handicraftsmen in many regions have handicraft technology that surprises Europeans and Southeast Asian users, their products have excellent sales overseas. However, the result of hard work is that most of the profits are attributed to usury. A small surplus is unable to support these experienced practitioners to complete the transformation from craftsmen to handicraft factory owners.

In the second ring, namely Fujian and Zhejiang maritime merchants, usury is the devil that bothers them even more.

According to Tao Jie and Zhang An, the Fujian and Zhejiang marine merchants have a high risk of going abroad, so in order to share the risks, they often use the method of combining shares for the crowd.

According to their respective responsibilities, there are differences between scattered merchants, gentry merchants, servant merchants, and ship merchants.

Among them, the owner of the ship is also called the ship owner and has abundant capital. The navigator needs to borrow the ship and capital from the ship owner and then put the ship out to sea.

However, unlike overseas operations in Europe, the overseas cooperative operations in the Ming Dynasty were too biased towards the interests of ship owners and bows. This made the operators who really experienced the storms and avoided the government and traded very little profit. As a result, sailing and going abroad did not become a way for operators to accumulate capital, but instead became a disguised usury.

The ship owner reaps the benefits of foreign countries based on this, and only needs to pay protection fees to major maritime forces to absorb the profits of merchants.

In this case, maritime merchants will eventually develop into pirate groups, or be monopolized by major forces, and cannot participate on a large scale.

An industry that is monopolized by only a few people will naturally not become the economic pillar of the court, nor will it influence the future of a country.

Historical facts have proved that neither Kabidan nor Li Dan, nor the founding king Yan Siqi, or the East Asian overlord Zheng Zhilong, they cannot truly make the sea trade bigger.

They were more limited to family interests, which made the downstream merchants and workshop owners, producing and growing farmers, unable to share the huge overseas trade profits, and ultimately could not cultivate real capitalism. They were in a mess, and naturally had no ability to protect themselves in the face of the invasion of the Qing Dynasty's iron hooves.

This result is not only because of the influence of China's thinking of focusing on agriculture and neglecting business, nor is it the consequence of party struggles, but it is actually an economic restriction.

Ultrition, an activity that makes people look down upon and even scold, seriously affected the development of business in the Ming Dynasty. When the Qing Dynasty entered the pass, the poor capitalism would naturally become dead.

Eunuch Wei is now trying to solve this problem. In order to know himself and his enemy and go deep into the enemy, he then tried his best and turned into a loan shark practitioner.

"Nine out and thirteen return" is not an exaggeration, and it is just a pilot. In the future, he will definitely enter the lending industry.

But unlike others who want to collect high interest rates, make money and do not want to be pioneering and enterprising, his father-in-law wants to guide the merchants to the vast ocean, provide a large amount of start-up capital for the workshop owners, and lead them to expand their industries together, so that the buddhists can truly transform into giant beasts.

This is the qualitative difference!

The same means and different purposes, the father-in-law was very satisfied with putting a glorious coat on his "shameless" behavior.

Whether you believe it or not, we believe it.

The final level is the whole nation.

…………

Whoever agrees, whoever objectes.

No one agrees, no one objectes.

After Xu Shourong returned home, he endured his deep grievances and grievances and handed several silver notes of about 4,000 taels of silver to Oda who "escorted" him back, and then asked the butler to take 3,000 taels of cash in the account.

Oda handed the IOU and IOU to Xu Shourong, and then told the chubby rich man that Eunuch Wei would give him special rewards.

“Special commendation?”

Xu Shourong opened his mouth, but there was no curiosity or joy.

He was already numb. He always thought he was shameless, but he didn't expect that there was heaven and there were people outside of him. The young eunuch Wei was the ultimate shameless person.

Oda is also a routine. He was born a poor man and was born to be disliked by rich people. He directly placed the special reward from his father-in-law to this fat man on the table.

It's a piece of white paper.

Maybe it's to save paper or cut it. It's square, about the size of a palm.

A line of words was written on the paper - "Marine Admiral's Office Chartered Maritime Development Access Certificate."

There is a number in the upper right corner, which says "001".

The signature is the name of Eunuch Wei.

Xu Shourong looked at this blank piece of paper and felt disdainful in his heart. What a bullshit maritime development access certificate? Master, I have a business all over the country, making money every day, and what business is not easy to do, do your grandma's maritime business...

etc!
To be continued...