ps: Thanks to yangzhigang, Lingsu Jushi, and eagle Zhou for the reward.【
Regarding the matter of Qingmiao Cang, Song Zhiyuan persuaded Zhao Ran not to worry about it, but Zhao Ran had his own ideas. He also estimated that this matter might not be easy to deal with and was mentally prepared. However, he still wanted to try to intervene. After all, this matter
If this thing is accomplished, it will be a great merit involving tens of thousands of farmers in the county, and it will help a lot in the journey of spiritual practice.
Zhao Ran said that I had no other intention, I just wanted to know the beginning and end of the Qingmiao warehouse. After all, I have seen many poor people these days. They all turned to loan sharks because they couldn't borrow Qingmiao money. All in all, they were in quite the same situation.
awful.
Song Zhiyuan said that the things involved here are very complicated and there are many disadvantages. Of course, if you want to know, junior brother, I can also tell you.
About fifty years ago, in the last years of Emperor Xianzong's reign, natural disasters, floods, and earthquakes occurred one after another during the Ming Dynasty, which caused the people's homes to be destroyed and displaced, and their fields abandoned and uncultivated. In order to restore production, Lushan General View and the Emperor
An agreement was reached with the cabinet to set up green crop warehouses in various governments across the country to lend money specifically for people to purchase green crop seeds, farm tools and other items. Generally, the loan period is three years and the interest is 4%.
Such interest rates are considered extremely low. If farmers work hard, they can easily pay off their debts in three years.
The Qingmiao warehouse was jointly established by the Taoist palace and the Fuyamen of each prefecture. Each contributed half of the capital, and the profits were rolled into the principal and continued to be used for lending. The county and county yamen acted as agents, and the Fuyamen reviewed and approved it, and the Taoist palace and Taoist yuan supervised it.
.
At the beginning of its establishment, Qingmiaoqian indeed played an important role in the restoration of farming, and to a large extent laid the foundation for the subsequent ZTE. However, like all dynasties, any good governance will lose its shape in the later stages, and it is very different from the original design.
, and now in the Jiajing period, the situation is even more unbearable.
To give a simple example, when a household goes to the county government to apply for a loan of young crops money, the government office will report the application to the government office. After review, the government government office will approve it and send the money to the county government office. There is no problem in this process, and the total cost is
It doesn't take much time. It can usually be done within seven days.
Then, what happens next is different. After the county government gets the money, it will use various excuses to delay the payment until the farmer family cannot survive and has no choice but to go to a large family to borrow a loan at a high interest rate. When borrowing, the farmer needs to be in two
Zhang Jieqian had a pledge on it - one of the IOUs said the interest was four cents, and then the big household took this IOU with an interest of four cents to the county government, and the county government received the IOU receipt from the farmer. Then he handed it over to the county government.
A small amount of money was given to the big family.
When the loan period expires, the big family will take away the mortgaged properties and houses from the farmers, and then go to the government office to pay back the money for the young crops. The interest of 4% will be paid into the young crop warehouse, and the excess interest will belong to the government office. The county government receives the money.
After the money is paid, the land title deed is notarized, and the procedures are complete. The big family gets the land, and the Yamen collects the interest. Everyone is happy.
The process is not complicated. What Song Zhiyuan said is complicated. In fact, it means that the parties to obtain the benefits are very complicated. The big households are in one piece, the county government is in one piece, the subordinate officials in charge are in one piece, and the government offices can also get a piece. As for the Taoist Academy,
Song Zhiyuan said hehehe, and Zhao Ran nodded in understanding.
Zhao Ran sighed. Is this still Qingmiao Qian? The answer is no. Qingmiao Qian has actually become a loan shark bank jointly run by Taoists and the government. The loan targets are large households in various places. The big households rely on Qingmiao Qian's loans to annex the land of self-cultivated farmers. I don't think so.
Going deeper, Zhao Ran suddenly realized that in fact, these large households did not need to borrow money from the government. What they needed was the legal process of land annexation, and for the government and the Taoist sect to benefit equally.
Zhao Ran asked Song Zhiyuan sadly, how much money does our Taoist family still lack?
Song Zhiyuan was silent for a moment, and then told Zhao Ran that this has become a common practice. For example...for example, the twenty-tael annual tribute that Zhao Zhiran received at the end of last year was sent by Guyang County Government. Well, this year
If you are promoted to the head of the party, the annual tribute should be fifty taels. Now Zhao Ran does not give fifty taels of silver, but other people are not as rich as him, so this amount of money should be a lot.
Zhao Ran had a severe headache. He suddenly remembered the charity fund he had set up and couldn't help sweating: "Brother from the prison, but the charity fund set up by the junior brother at the charity hall will offend everyone?"
Song Zhiyuan smiled and said: "That's not entirely true. How much money do you have to put in? The thousand taels you take out are probably just a drop in the bucket..."
Zhao Ran thought to himself that it was really not a drop in the bucket, at least there would be no problem in taking over the transfer of all usurious debts in Guyang County. The reason why he claimed to be one thousand taels before was actually just to hide his wealth. According to his actual plan, if this
If something is more beneficial to cultivating merit power, not to mention a thousand taels, but tens of thousands of taels would be willing to invest in it.
Seeing that Zhao Ran was hesitating, Song Zhiyuan was surprised: "Junior Brother Zhao, aren't you going to do something big?"
Zhao Ran bit the bullet and tried to test: "Brother from the prison, if I get money, for example, 10,000 taels or 20,000, to make this charity money, will I offend everyone?"
Song Zhiran was stunned and asked in disbelief: "Ten thousand taels? Junior Brother Zhao, where did you get so much money?" Then he suddenly realized: "Could it be that the place of the pavilion is dissatisfied with Qingmiaocang?"
Zhao Ran said vaguely: "Junior brother, I really feel pity for the poor people, so I have this plan. I want to borrow money from a few friends in Guange places to raise this charity fund. It is not the right place for Guange places.
What's the dissatisfaction of Qingmiaocang? They are busy practicing all day long, and they don't have time to care about such mundane things."
Song Zhiyuan was relieved: "That's right..." and then sighed: "Junior brother and the immortal masters in the palace are really destined to have such a large amount of money coming in and out..."
"Brother, do you think I can do this?"
"Junior Brother Zhao, if you want to do some good deeds personally, this charity money is a good idea, but it's better not to make it a big deal. Just help a few households every year and pass on your good deeds. You are
If the philanthropic fund becomes large, the big gentry will not be able to get the land, and the government will not be able to collect interest. Not to mention that the government and the big gentry will regard you as an enemy, and even our brothers and sisters in Wujiyuan, I am afraid that you
It’s not easy to explain either.”
"But...brother, once this land annexation becomes a trend, farmers will have no land to cultivate, and the world will be in chaos sooner or later."
"Junior brother, don't talk about you. Even my senior brother, Wujiyuan Supervisor, seems to be a figure in Guyang County, but looking at the world, how can I be qualified to talk about the general trend of the world? If you have such leisure, read more Taoist scriptures and educate more people.
Wouldn't it be better to be a common person? Junior Brother Zhao, Senior Brother, I don't treat you as an outsider, so I say these words with all my heart. You must be careful. If you are not careful, your reputation will be ruined!"
Song Zhiyuan's words were quite serious. He really regarded Zhao Ran as one of his own, and Zhao Ran did feel his kindness. But when he thought about doing good deeds and accumulating merit for the farmers in He County, he didn't know how high his merit would be.
The temptation was so huge that he couldn't help but want to stick to it.
After thinking carefully for a moment, Zhao Ran came up with a compromise. If he still set up the charity fund in the original way, he would offend all the powerful people in Guyang County. Not only would things not be possible, but his own safety would also be in danger.
There is a problem. In this case, it is better to distinguish enemies from friends and minimize your own resistance. Maybe the difficulty of this matter will be reduced?
In the Qingmiaoqian project - let's call it a "project", there are three parties with vested interests, namely, Taoist priests in Taoist temples, government officials, and local gentry. The ones who are exploited are the homesteaders. Zhao Ran wants to change this
This situation will inevitably affect the interests of some people. The question now is, who should we regard as friends and who as enemies?
Zhao Ran just thought for a moment and came up with an idea. The Taoist temple must not be harmed, and the government cannot be offended for the time being. Then the only ones left are the wealthy gentry.
In fact, to be honest, the wealthy gentry and the government and Taoist temples are all closely or indirectly related. It is impossible to distinguish them so clearly, but at least in terms of superficial level division, they are different from the government and Taoist temples. Zhao
However, I can't think of a way to make the wealthy gentry and the peasants win-win at the moment, so I'm sorry, I can only offend them.
When Song Zhiyuan asked Zhao Ran what he wanted to do, Zhao Ran's answer was to kick the wealthy gentry out of the game (to be continued, please search Piaotian Literature, the novel is better and updated faster!