However, as long as the society is stable and the loan is for ten years, the risk is much smaller.

Even if a farmer's family cultivates ten acres of land, with men plowing and women weaving, or even doing casual work during off-farm periods, they can still earn some extra income. Basically, they can afford the loan and still have enough food and clothing.

Of course, the prerequisite is that the government is clean and honest, otherwise corrupt officials can easily bankrupt ordinary people.

A self-cultivated farmer with ten acres of fertile land may only save a dozen or twenty silver dollars after working hard for a year in a stable era when the weather is good and the government is clear.

You can imagine the hardships faced by the people in this era. If you encounter floods, droughts, locust plagues, exorbitant taxes, diseases, weddings and funerals, you may go bankrupt.

The tenants who do not have their own land are even more miserable. They may not be able to have enough food and clothing even all year round. Therefore, many tenants in Jiangnan will never be able to marry a wife, will be single all their lives, and eventually die in poverty.

Some people may be able to save a few dollars when they are young, and then rent a wife to live with them for two years and help give birth to a child. If they are lucky, the child will survive, and maybe they will have an offspring.

But generally speaking, in the era of the late Ming Dynasty, the people were actually suffering and the people were in poverty. The society in the late Ming Dynasty was already full of firewood, and a spark would start a prairie fire.

Without Li Zicheng and Zhang Xianzhong, there would have been Zhang Zicheng, Wang Zicheng, Zhao Zicheng and others.

Even without the rise of Hou Jin in Liaodong, Monan Mongolia, Mobei Mongolia, and Mobei Mongolia outside the Guan Guan would still have taken the opportunity to invade Guan Nan and go to the Central Plains.

In the past few years, Zhu Yihai has also gained a deeper understanding of the Ming Dynasty for more than two hundred years.

Although the empire of the Ming Dynasty was created by the beggar monk Zhu Yuanzhang, the best ones were the emperors, vassals, and officials and scholar-bureaucrats. For them, the empire of the Ming Dynasty for nearly three hundred years was the best era, comparable to

The prosperity of the two Song Dynasties.

But for the people at the bottom, the Ming Dynasty was in a terrible state. The people never had a good life and were always struggling to have enough food and clothing. To them, the Ming Dynasty was like a quagmire, or even a hell.

This is wrong, the world is too polarized.

Although Zhu Yihai is the one sitting on the Dragon Throne, if he cannot face up to and change this, then even if he regains the two capitals, he will not be able to revive the Ming Dynasty and regain China. Otherwise, the country may be subjugated and the world will be subjugated in two or three generations.

.

It has to be changed, it won't work if it doesn't change.

Use forceful means to clean up the land and sell a large amount of land to the people. If you don't have money to buy it, let them borrow money at low interest rates and repay it in ten-year installments. Ten years will only be half the interest on the capital.

Limit land quotas for officials, officials, and landlords, so that as many landless people as possible can obtain land during this process of re-establishing the country, thereby laying a solid foundation for the Southern Ming Dynasty, so that it can be settled for another three hundred years.

The world.
Chapter completed!