New Shun 1730

Jiangsu Jiedushi still trusted Liu Yu's ability to do things, and knew that Liu Yu was not the kind of person to play rogue. It is impossible to say that just to do this thing this year, and then ignore it in the future, pretend to talk about doing Qingmiao Loan, but the person disappeared and a civil commotion broke out the next year.

If something really happens, his role as Jiedushi will come to an end. How will the court view this matter at that time? Is it because his efforts to settle debts during the Jiedushi period made the people unable to borrow loans?

If Liu Yu could really engage in Qingmiao Loan, of course this problem would not exist.

The most difficult part is the period of lull. After getting through that period, you will basically be stable.

It is nothing more than the court's relief and exemption, which cannot cover the vast rural areas. In the final analysis, it is still up to the local gentry to undertake some low-level stable tasks, such as lending.

Therefore, the imperial court could not be tough on the issue of lending. Da Shunlu clearly states that the interest rate cannot exceed 36%, but in fact the interest rate is ridiculously high. However, the court could only turn a blind eye. After all, the court did not grant loans. It would be better to borrow usury at a time when the loan was not available than to starve to death.

It is better to die than to live, and to die two years too late is two years.

As long as it is certain that Liu Yu can really engage in youth loans in several counties, and the funds are absolutely sufficient, it will be a trivial matter to handle special matters.

When the government intervened, they said that they would not release him because of the debt problem. They were willing to take Tongtong away in Nanyang. They did not say that the debt would be cancelled. They only said that he would pay it back if he could in the future. If he died, the debt would be wiped out. .

This year it is tantamount to defaulting on the debt and using official power to force them into submission.

"Since the Duke is here, how can I not believe it? There is no problem with this year's matter. I just don't know how big the Duke's green crop loan will be."

Liu Yu only said that it would be tried out in a few counties first, mainly in the counties where traffickers recruit people this year.

"Now we can only do it in these counties first. Money is only useful when prices are stable. In disaster years, we still need to look at grain, seeds and the like."

"I am confident that we can transport grain and seeds to these counties. However far inland counties are, it will be difficult."

"Moreover, going to Nanyang is the only way to cure the symptoms and the root cause. If you are too far away from the sea, traveling hundreds of miles will consume a lot of food."

I named several counties, which are both disaster areas this year and areas relatively close to coastal ports.

Jiangsu Jiedushi nodded frequently, thinking about the difference between money and food. You have already thought of it, so what else is there to say?

Qingmiao Loan cannot just lend money. Money is of little significance if it cannot buy rice and seeds. Those who control grain and seeds will raise the price and take the money into their own hands.

Liu Yu added: "Not only do you need money and food, but you also need needles, thread, iron tools, etc., which can be borrowed at a discount. You don't have to worry about this. I have done similar things in Jinghai and Wendeng. Things are not difficult to make.”

"But the main thing is the support of you adults. Without your support, we will inevitably cause some troubles in the future. This is not the time when we were in the Whale Sea. I am the Jiedu Envoy, and I will speak out. If there is trouble in the future, I still hope that the Jiedushi Envoy Say hello to the place."

Jiangsu Jiedushi hurriedly said: "That's easy to say. Although this green crop loan has nothing to do with the government, and it must have nothing to do with the government. But after all, it is a plan to benefit the people, and the lower officials have their own sense of discretion."

While agreeing to Liu Yu, he thought to himself, as long as you don't have the name of the government.

As long as the name of the government is not involved, everything is easy to talk about. When the time comes and you can't get the money back, you will either occupy the person's land or sell the person's wife and daughter. This is a matter of course for the people to pay back their debts.

It would be bad if the government came to do this.

Anyway, as long as you don't cause trouble during the lean period next year, I'll be fine with you. Anyway, I was the military governor of Dashun, not the military governor of the late Tang Dynasty. I worked for a few years and then left.

As for you worrying about the local tycoons causing mischief, there is no need to worry about it. It's okay for them to bully the common people, but who has nothing to do with your property? Although this is not a sea of ​​​​whales that your military and political forces can capture, there is still order.

only……

He looked at Liu Yu carefully again and thought, but is Nanyang really making money like this now? If you offer a low-interest loan of 15%, which is almost like giving out charity, how much money does Nanyang have to make to make up for the shortfall?

I just heard that they seem to be farming in Nanyang. Can farming be so profitable? Could it be... could it be that Duke Xingguo was digging for gold in Nanyang? If it weren't for digging for gold, I really can't think of how I could make money.

He murmured in his heart, wondering if he should send someone to find out what was going on in Nanyang.

If you really make enough money, invest some yourself.

However, Liu Yu didn't really care whether he lost money or made money, and he didn't even plan to actually ask those people to pay back the money, including working in the future to pay back the money.

Of course I know this is obviously a losing business.

And it’s the kind that will lose the bottom dollar.

Moreover, he has always scorned this kind of philanthropic act of losing money to maintain the old system.

However, he had the intention of killing before he came, so he had to prepare in advance. Since those people made him unhappy for a while, he could only make those people never have the chance to be happy or unhappy again.

He wants to solve all kinds of problems in northern Jiangsu, or those who create problems.

Rebellion has a solution to rebellion.

There are solutions within the system within the system.

Rather than saying this is a well-intentioned Qingmiao loan, it is better to say that it is a spy agency and investigation agency that is trying to decentralize power to counties and townships.

Since the wisdom of the predecessors can be used to create "Refugee Picture".

Why couldn't he follow the old wisdom of his predecessors and write "The Genealogy of the Evil Gentlemen"?

Many actions, even in Dashun, are serious crimes.

And Liu Yu has grasped the emperor's pulse.

Since the emperor spent tens of millions to prepare to control the Huai River. Whether it can be cured or not is not mentioned first, abandoning the canal and controlling the Huai River is obviously hoping that the rule here can be stable.

If you want stability, you have to move the land.

To move the land, you have to find a way.

The foundation of Dashun is small farmers, and the emperor knows this very well. The cancer of the empire in the Huanghuai region cannot be solved by water control alone, and the emperor knows it.

Especially the annexation and gentry problems here are more serious than other places because of natural disasters, floods and droughts.

How to solve it?

The equal distribution of land is too scary.

But Liu Yu is responsible for finding the crime. When the time comes, he will accuse and report thousands of people, and come up with a big case with wide implications and legitimate in Dashun. The emperor will support the solution of the land problem that the emperor wants to solve after spending tens of millions of taels to control the Huai River.

Since writing can be the name of a big prison.

Then there can be other reasons to start a big case.

Reasons can always be found.

The key lies in the emperor's attitude.

If the emperor's mentality is half dead, he will completely give up the Huanghuai area, then no matter what he does, it will be meaningless.

Since the emperor has invested so much money, he must want to solve the many problems in the Huanghuai area. As long as this point is grasped, the biggest case since the founding of Dashun can be started.

Even, the emperor may wish that Liu Yu "knows my heart well" and makes such a big case.

Liu Yu also calculated the time.

It will take about four or five years for the eleven-tax reform in Songjiang Prefecture and other places to stabilize.

It will take about four or five years to dig the Huaihe River, solve the canal transportation, and completely abolish the canal.

It will take about three or four years for the Nanyang canal rice to be stably supplied and ensure sufficient safety.

Once the eleven-tax reform in Songjiang Prefecture and other places is completed, the Huaihe River is basically dug through the estuary, the canal transportation is completely abolished, and the Nanyang rice has stabilized, this case can be detonated.

Taking advantage of the drastic changes, complete the tax reform in the Huaihe River and Huaibei regions. Relying on means similar to literary inquisition, create a case of bad gentry, arrest and kill, and implicate, and get rid of thousands of people at one time, which is not ranked among the major cases of the dynasties.

And by then, the emperor will hold the "great justice" in his hand-I really don't deal with them for the land issue, nor do I deal with them to suppress the powerful, and even less for the stability of Huanghuai.

I deal with them because they exceed the rules, usurp the throne, hurt people, lynch, forcibly rob tenants, use tenants as slaves, forcibly occupy land, and lend at excessive interest rates.

For Liu Yu's "Tao", this is also to provide a stable population rear for the subsequent industrial development of Songsu District and the development of Nanyang.

In the past few years, the Qingmiao loan has lost money.

But if you are lucky, if there is no major natural disaster, the Huaihe River can basically solve the flood and create an irrigation area, and the Nanyang rice can be stable, the compensation will only be four or five years.

After four or five years, it will be meaningless to compensate or not.

The land was only redistributed to dismantle the local tyrants in Huanghuai, but the ownership law of the land was not changed.

It is still private if it should be private; it can still be bought and sold if it should be bought and sold.

The number of small farmers who have nothing every year is still enough to meet the needs of workers in the Songsu Industrial Zone and the population carrying capacity for the development of Nanyang.

Dashun's desire to take the path of industrialization must be different from that of Britain.

Britain can enclose land to create labor, while Dashun wants to trap the countryside as much as possible and not create too much "labor" - before the industrial capacity is not enough to carry so many people, those who were enclosed in the British land and drifted to the city have another name in Dashun: refugees, the main force of the uprising army.

According to the theory of cheap labor in the enclosure, during the great uprising in the late Ming Dynasty, the labor force was absolutely cheap, and no wages were paid, and they could work after a meal. The question is, if all the current British, French, Dutch, etc. are added together, can they eat the "cheap labor" of Henan Province in the late Ming Dynasty?

How big the bowl is, how big the meal is.

Even if Lianghuai is re-peasantized, the number of newly bankrupt people every year is enough.

Of course, we cannot count on Lianghuai as a consumer market.

Farmers love the land deeply. Once they have hope, they will definitely find ways to save money to buy land instead of spending it quickly.

Before Qingmiaodai was deeply rooted in the people, tenant farmers would try their best to save cash to buy land after obtaining land. This made it possible for paper money relying on the Nanyang and Songsu handicraft areas to quickly penetrate into the Lianghuai area through the presence of Qingmiaodai institutions.

Tax system reform, tax increase and levy reduction, will increase land prices. Land prices will rise due to tax increase and levy reduction, as well as the reduction of burdens on small farmers, which will reduce the annual yield of land. When the annual yield of land decreases, capital will easily run to industry and commerce instead of buying land crazily.

Some things really cannot be blamed on landlords and merchants. In extreme cases, two or three taels of silver can buy one mu of land, and the rent is six or eight dou of rice, with an annual yield of nearly 40%. Only fools will invest in industry and commerce, only fools will buy British government bonds with an annual interest rate of 5%, and only fools will invest in the London East India Company with a fixed annual interest rate of 11%.

Just these two points make the money lost before not considered a loss.

Even from a purely commercial perspective, this is a big profit. Replacing precious metals with paper money, and circulating paper money in large quantities, will shareholders of the bank that issues the banknotes lose money?

Once credibility is established, with Nanyang and Songsu as the foundation and Lianghuai farmers as the reservoir, paper money can be appropriately over-issued to revitalize the economy and reduce dependence on European and American silver as much as possible.

On the other hand, the imperial court changed the tax-silver comprador from the imperial rice, and the imperial court did not have to worry about not being able to spend the collected paper money.

Because the first place where paper money circulated was Nanyang, which produced the imperial rice; and the place with the most tax silver for the imperial rice and the most paper money was precisely the southern Jiangsu region.

Such a slightly deformed cycle caused by the capital of Dashun being the capital but the capital not being the economic center was even built up.

At least the imperial court could collect and use paper money, and the rest was easy.

In this way, Liu Yu had no need to really ask those people who went to Nanyang to pay off their debts to him after paying off the ship tickets to the plantation owners.

It seemed that he was a victim, doing good deeds. But he did not think this was doing good deeds, but thought that handling the first major case of Dashun, implicated thousands of people, and solving the problem of serfdom in Huanghuai was a good deed.

Whether it was the governor of Jiangsu or the governor of Huanghuai, they could not have imagined that Liu Yu had the intention to kill. They either thought that Liu Yu was simply being compassionate and had too much money to spare, or they thought that there was really a lot of money to be made in Nanyang, and if they could make it without losing money, they would definitely have struck gold.