I am Da Song

Chapter 313
Upon hearing Zhao Huan's inquiry, Yan Ying immediately gave a detailed introduction: "Following the government's order, the bank has young crop money."

"All rural households with household registration go to the bank to borrow money for young crops to buy grain, and interest is waived for less than ten yuan."

"The young crop money that was loaned out was 300 million yuan."

No interest on agricultural loans is anything but advanced awareness.

On the contrary, since the Spring and Autumn Period, such things have appeared in the Central Plains.

The government leased the seeds to the people in the spring, and after the autumn harvest, the people just returned them in full.As long as the tax is paid, there is no need to pay more interest.

However, ambitious powerful ministers and aristocrats who buy people's hearts will go a step further and implement "sharp fights out, flat fights back." "Big fights out, small fights in."

The Tian family used the method of "big fights out, small fights in" to buy people's popularity in Qi State for a long time, and finally successfully usurped the country.

In essence, there is actually not much difference between the Zhao Song royal family and the Tian family. They are both nobles who need to win over the people to support them.

So Zhao Huan attaches great importance to this aspect, and it is also very true.

His philosophy has always been to have more tangible benefits and less false slogans.

Therefore, since ruling the country, he has always been rigorous in redistributing interests and consolidating his position.

Apart from calling on officials to be honest and establish a new style of clean government, he did not mention any slogans.

But even the premise of cultivating a clean government is that he has promised officials enough benefits.The generous salaries of officials in the Song Dynasty were unprecedented.Up to the Three Emperors and Five Emperors, down to the Ming and Qing dynasties, no officials of any dynasty had such generous treatment.

In this way, he has material rewards and spiritual civilization construction on the one hand, and promotes the clean government atmosphere of the Song Dynasty.

Regarding the data reported by Yan Ying, Zhao Huan seriously commented: "Even if the money of 300 million yuan is lost, it will not have much impact on the royal family. At most, every meal in the palace will be slightly reduced in the next few months." One or two. But even a constant amount of money, for the poor, is a desperate number enough to ruin their families and make them desperate."

"I don't want you to treat it strictly. Instead, I have made a strict order that you must treat every common people who come to borrow money seriously. You must not be arrogant and perfunctory, let alone force the common people to borrow money."

"Ten strings of money, for you, this may be a pastime for you to go to Huixian Zhengdian for a meal. But it is related to the wealth and lives of these millions of borrowing families!"

Everyone respectfully responded immediately.They also know that most of the people who can borrow money are customers.

Customers, that is, tenant farmers who used to cultivate land for the main household.

Usually these people don't have to worry about seeds, the main household will provide them with seeds and cattle.They farmed for their households and worked hard for a year. After raising children, they would not have much money left.

However, in recent years, the state has re-measured land and allocated official land. A large number of customers have owned their own property and obtained the most important means of production in agriculture—good land.

These customers naturally have to do their best to manage their farmland well.During the prosperous Taikang period, the common people had their own fertile land, and the huge amount of social wealth produced was the direction they pursued.

Therefore, these former customers have become the most urgent audience of BIBS.

Yanying assured Zhao Huan: "Officials, the bank will never force people to borrow money like officials do. Because the cancellation of interest, forcing people to borrow money is not profitable. The young crop money that is loaned to the people is still the bank staff who travel around Gyeonggi, in various places. Township, Li, Bao, and Neighborhood, publicize the results obtained.”

"Now Qingmiao Qian is still limited to the Central Plains, and it will be promoted to other places with Zhuqi Bank's new branches in various states and counties. This will replace the vacancy left by the retreat of the temple and limit the scale of private usury."

Zhao Huan nodded, and said: "Don't be reluctant to invest, the scale of Qingmiao money will not be too large. It's just that in recent years, the status of customers has changed and they need to borrow money to buy crops."

"Under the national tax law of collecting silver by mu, farmers will not always be poor and need to rely on state loans to buy seeds."

The banking system, which is the most handy tool in the hands of the royal family, is the system that Zhao Huan can control most directly and bestow favors on the people.

Before leaving, Zhao Huan solemnly said to everyone: "All of you are just members of the consortium, and were not born noble. Without any of them, the Great Song Dynasty is still flying the red flag, and the consortium is still as stable as a mountain .”

"But if you harm the interests of the people, force the people's families to be ruined, exiles spread everywhere, and shake the foundation of the country. Then everything you have now is a rootless tree, like a mirror image."

"That's why I will never tolerate anyone who is found to be torturing the people. Don't say it's unexpected!"

All the high-level bank executives in Huanli were chilled all over.They were just a group of ordinary migrant workers, and they had never seen any big storms.Seeing the immediate boss get angry makes me feel terrified.What's more, now he is facing the emperor who holds the power of life and death in the world.Under the austere majesty of the officials, everyone trembled in their hearts.

The emperor's requirements are not harsh, and greed must not be imposed on the poor people at the bottom.

Don't stare at bloody carrion like a fly.Banks hold the most profitable business, and if you think about how to operate it, the wealth you can earn is thousands of times more wealth than the life-saving money and hard-earned money of the people.

Seeing the back of the emperor going away, countless people breathed a sigh of relief.

The wise man has already made up his mind that he must not risk his life for that little profit.

Even if someone is stupid, they dare not commit crimes against the wind at this time.

Small people are easy to be deceived, but it is difficult to be angry.

Everyone believed that, with the stern attitude shown by the emperor, if someone dared not to do his job properly and do something wrong, the officials would definitely not hesitate to kill.

And Zhao Huan, who left the bank, also let go of a stone in his heart.

As far as the current situation is concerned, banks will not stand on the opposite side of the people at the bottom.

Unlike officials, banks have more and more profitable avenues of income.If officials don't exploit the people, they don't have any other income.Banks, on the other hand, can obtain safer and richer returns through a series of means.

That's why Zhao Huan repeatedly emphasized that they must not exploit the people.Block the road ahead of time, so they won't be stupid where they don't deserve it.

In ancient and modern China and abroad, it is rare for banks to have intense conflicts of interest with farmers.I have seen officials exploiting people, but I have never seen banks exploit farmers.

The two parties are not products of the same economic system.It was only because of the extremely high proportion of agriculture in the Song Dynasty that the two sides had an intersection.

After taking precautions in advance, Zhao Huan believes that the advanced economic system of the bank will in turn promote the development of agriculture in the Song Dynasty.

When I got back to the palace, it was dusk and sunset.Zhao Huan changed his clothes in the Chuigong Hall and was about to enjoy the dinner he brought back. The queen came up to welcome him and helped him put away his clothes. Something happened?"

(End of this chapter)