In ancient China, even merchants would not borrow money unless they had to, but when they had to borrow money, it would mean that they would not have the ability to repay. Therefore, if a cent of interest was not borrowed by private lending in ancient China, no one would have borrowed it.

This is the so-called aftermath loan, but it involves industries with higher value, as if it is a stepping stone. If it does not borrow, the industries with more than 20 acres will not be recovered.

As for the dividing line of twenty acres, the twenty acres of land in this era could barely support a family under normal tax payments. Perhaps they could still be a little rich, but they were not enough to make a fortune. However, more than twenty acres could be seized by Ma Jinbao and his subordinates but survived. How could the family have the ability to collect the money from this loan, but they got industries with a value far higher than the value of the loan itself.

Besides, don’t the loan repay the principal and interest?

Although the government will repay the money by borrowing money, no one will believe it, but Marshal Chen has a good reputation among the people so far, with strict military governance and extremely strict military discipline. Even the generals and soldiers under his command have never oppressed the people. Maybe they will really repay the money.

In fact, even if you don’t pay it back, what’s the big deal? You can always make money back. This little money is nothing more than harder than not only not being able to get it back when Ma Jinbao was ruled, but also worrying that the few remaining home business in your family will be taken away, and even forced to be slaves to be too much stronger.

Without worrying about poverty and anxiety, the existence of the Ming army has now given the people of Jinhua some security that can be safe, but without worrying about weakness and inequality, it is still in front of us, and there are no one who can suffer from it.

"This aftermath is unheard of. The Grand Marshal borrows loans with the reputation of the government and conducts business. It is simply a loss of civility. In the long run, what is the reputation of the court and the reputation of the government? What is the reputation of your Grand Marshal Chen?!"

Seeing an old man in the front row with a crutch, he was worried about these "reputation" issues, and even pointed at Chen Wen and the officials present, he scolded him. Chen Wen, who had seen old men and women in modern society, dared not say anything harsh, so he had to try his best to comfort him.

"The old man misunderstood. I never planned to owe principal and interest but not pay it back. Now I use summer tax as collateral. These are all written on the contract. My husband's family has been a businessman since his great-grandfather, and it is also a well-known sign in Tianjin. I still know the word "reputation"."

Seeing that the old master calmed down a little, perhaps the angrily rebuked his breath a little, and he was breathing a little while. With this moment, Chen Wen continued to explain. "You are in Jinhua, maybe you are not very clear. I went south from North Zhili the next year before. I saw that the Eight Banners of the Tartars garrisoned in Hangzhou for a large number of robbed people and land on the ground of Hangzhou Prefecture to build a city. There are even more evil laws such as land enclosures, recharges, and fugitives in northern Zhili, Shandong and other places. There are countless other places in other areas that the Eight Banners Green Camps robbed people and property. In the future, the King's Army will recover Hangzhou. Or elsewhere, this aftermath loan is still necessary. I don't need to smash my sign."

"And in addition to this aftermath loan, I also prepared a large loan for the throne, which was guaranteed by the general of the commander, and used the annual autumn tax as collateral as collateral, with interest of 2 to 5 cents, and voluntarily participated according to the loan period and amount. If I did not even repay the large loan for the aftermath loan, then the duration would be longer to expel the Tartars. Who would buy it?"

If a merchant loses his reputation, then his business will not be able to continue. It is just the simplest truth. Now Chen Wen borrows loans in the name of the government. In ancient times, the reputation of the government was especially at the end of the dynasty, and the word "lower" cannot even describe its badness.

However, Chen Wen used the seal of the General of the Capitol as a guarantee and used the summer and autumn taxes as collateral, which sounded a bit credible, especially Chen Wen's own reputation is not bad. Sun Yu, the prefect of Jinhua who was a local talent who followed Chen Wen's relationship with this matter, could also win some trust. This loan might be really paid back.

However, there is another question here. Can the Ming army persist? If the Ming army is defeated, the money will definitely not be paid back. But if the Ming army is really defeated, the Qing army will definitely take back these industries. Even if the person who came was not Ma Jinbao, he would promote unjust prison on the grounds of investing in supporting the Ming army. At that time, not only will the creditors who pay back the money will be gone, but the creditors who collect the debt will also come to the door. Doesn’t this mean that they must be tied to the Ming army?

Realizing the viciousness of Chen Wen's loan, but the focus of the problem was already led by the pig teammates around him. The student named Ding immediately stood up and continued to ask: "Standalone Chen, the student dares to ask, why should he use twenty acres as the line?"

It was this student again, Chen Wen smiled and then said: "As far as I know, the average yield of rice in Jinhua should be less than 600 kilograms per mu, which is a strong support for one person. If taxes and corvee are added, it can be done by 20 acres of land to support a family with few people. And more than 20 acres of land does not require all the aftermath loans, but only more than 20 acres of land. Moreover, some of the principal and interest of the silver will be repaid every year, and it is not that it is not unpaid."

In the Ming Dynasty, a pound was 590 grams, slightly higher than in modern times. Generally speaking, it was probably 500 kilograms of grain to support a male at that time. If the male still needed to do high-intensity physical work such as farm work, then seven or eight hundred kilograms of grain could maintain sufficient nutritional intake. Of course, some of this can be replaced by other foods, but the intake of a series of nutrients such as fat, protein, and carbohydrates must be maintained.

In addition to these, if taxes, labor service, levies, and other matters are added, as well as the existence of strong men and women in the family, the elderly and young people, the calculation of twenty acres of land feeding a family with a small population is more reasonable.

As for the high-yield crops spread from the Americas, they were not without them in this era, and they have also begun to be promoted. However, there are still problems in factors that affect yield such as the large-scale popularization and the degree to which crops adapt to the local climate environment. On the contrary, the Qing Dynasty, which "no incoming boards" has taken advantage of this.

As these crops completely adapted to China's climate and became fully popular across the country, a population of 450 million appeared, which was a figure that could not be achieved in the Ming Dynasty and previous dynasties. As for later generations, relying on science and technology to increase yield per mu, and purchasing grain from other countries, China successfully achieved a population of more than one billion, but it is even more impossible to achieve at present.

Hearing Chen Wen's calculations, the gentry and people present were all stunned, at least in their opinion. The warriors should not understand these, but this General Chen was able to know everything and prepare so well, just like an old official. It was really sensational. However, when it came to the officials from Dalanshan brought by Chen Wen, everything was clear.

"If there is no objection, the elders under twenty acres can register with several documents below the stage. The government will verify the details as quickly as possible and return the land to you to reduce the losses that delay spring plowing."

Spring plowing is a big problem. Agriculture is an industry that has extremely strict requirements on time and climate. It delays the farming season but is a big thing that kills people. Hearing Chen Wen's words, a large number of people immediately remembered this problem that they had been keen on before. Seeing that many people around got up and went to the document to register, they also stood up one after another. Even some of them over twenty acres were unwilling to delay the farming season and wanted to regain the land as soon as possible.

Seeing that what Chen Wen said was indeed the truth, it was impossible to argue at all. And a large number of people had already stood up and went to the audience to register, the student named Ding immediately asked: "Marrior Chen, the number you calculated is only the land required by families with a small population, not all. If the family has a large population, what if it is, is the government planning to starve the people to death?"

Hearing this, Chen Wen sneered a trace of sneer. In the chaos in the late Ming Dynasty, the government had the responsibility of starving the people to death, and you gentry and wealthy families were inseparable from it.

In the name of the welfare of the people, they morally gain a foothold to defeat their opponents. It is the routine that ancient Chinese literati were the best at and most common in struggle. As for the purpose behind it and after the victory, the interests of the people are often abandoned by them.

The Confucian scholar in front of him is still a student. In the peaceful era, he is still one level away from the minimum standard for becoming an official, but the basic methods can be simply mastered. As expected, he has read the books of sages and has truly read the teachings of Confucius and Mencius into the dog's belly, and has ruined the good intentions of the ancestors.

But this person's question has to be answered. Because this student is now trying to win more people to stand with him to fight against the administration of the government, which is essentially no different from the gentry who hindered administration in the late Ming Dynasty. If Chen Wen wants to achieve his goal, he must first break up his Allied army, and the first batch were the people with acres of land slightly higher than twenty acres.

"This year's spring plowing has begun, but the investigation still takes time, so the return of the land and soil is exempted from this year's summer tax to raise the land. In addition, it is strictly forbidden for officials to increase taxes such as fire consumption, etc., and other means to increase taxes. This year's summer tax will also begin to be implemented. Violators will be severely punished. Without these, it is no problem to support more than ten people in twenty acres, let alone more land?"

"March Ching believes that the minor officials below will abide by the law?"

"From this summer tax, the tax collection will be carried out by officials from each county. The garrison will send people to supervise it, and the government office and the general army will also send people to conduct random inspections and undercover investigations. Those who violate the law will be severely punished."

"You are a military man who is in chaos in politics!"

Hearing Chen Wen's words, before the student could react, a gentry immediately jumped up and shouted angrily. Chen Wen just glanced at him, and then said calmly: "The garrisons in various places have begun to be established, and the list of personnel has been in place. You can ask, there are civil servants in the garrisons, and monitoring each other can reduce the degree of loss."

"you……"

The gentry's name is "you" just now, but before he could express it, he was pulled by another gentry beside him. When he realized it, he had to sit down again angrily. After a moment, the Confucian scholar named Ding stood up again and said to Chen Wen: "It's too much to collect one or two per acre. Please ask the Grand Marshal and the Mansion Master to reduce some."

After a long-term relationship, Sun Yu knew that Chen Wen's anger had begun to gather. Before Chen Wen could speak, he directly explained to the Confucian scholar: "The market price now costs dozens of taels of silver per mu of land, and one tael of silver is really small. Moreover, the loans collected by the government must be repaid, rather than taxes. Otherwise, the court will not be able to support soldiers, and the land you took back will only be seized by the Tartars again. Which one is more important, please think twice."

"If you are really unable to pay, you can also enter into a contract with the government. The government will purchase the land at a price slightly higher than the market price, but it will also have to pay it back in ten years, otherwise the government and the garrison will not be able to turn over."

Bonds and installment payments were normal financial means in later generations. Chen Wen did this simply to tie the local gentry and the Ming army together to form a preliminary community of interests. Installment payments have the effect of preventing local gentry from uniting together to destroy the government's finances and credibility.

Ma Jinbao and other Qing army threats, and Chen Wen and Sun Yu, two local civil and military officials, had already said this. The gentry and wealthy families knew very well that if they continued to argue, they might not be of any benefit to them. It would be better to take back the industry and connect with some officials. The interests are also indispensable for them who have information monopoly.

But I noticed that there was no one in the front row of gentry and wealthy families, and the people in the back row who had lost their backbone continued to register with the clerks below in order to find a hope of early registration, early investigation, and early resumption of farming.

The land industry has basically come to light, and registration is still in progress. Almost all the people in the back row gathered with the clerks in the audience. The gentry and wealthy families in the front row saw that there was no chance of responding to the meeting hall, and it was not convenient to gather together in person, so they had to whisper with the nearby people.

The sun gradually rose, and the previous registration continued, but as the people registered, there were fewer and fewer people at the venue. Later, the more they were the rich and rich gentry. It was not until after lunch that the rich and rich gentry who rushed back after discussion began to ask about a series of industries such as goods, houses, shops, workshops, minerals, etc.

In response, Chen Wen immediately stated that the government's previous statement had made it clear that the return of the industry only involved real estate that the Tartars could not take away, namely land, houses, shops, workshops, minerals, gold, silver, jewelry, calligraphy, paintings, antiques, etc., because after the Tartars took it away from the hands of the kings, they did not know where the government had got it, so it was naturally impossible to repay the debt for the Tartars.

However, those real estates are still returned in the model of large-scale after-care loans, but the method and amount regulations for the taxation are different.

Confiscation and repayment of debts for the Tartars were matters of principle. Chen Wen's insistence made these gentry and wealthy families feel indignant, so that the debate on real estate was held in the venue for the whole afternoon. Until nightfall, Chen Wen's statement that if he did not register before June this year and was unwilling to accept the acquisition, it would be deemed to have given up the right to return and would be taken over by the government and the garrison, which overwhelmed these opposition voices.

However, the voice was indeed suppressed, and the subsequent large loans for the siege became difficult to carry out. In the venue where the fire had already started, Chen Wen was still enthusiastically explaining the joints and the interest of the stable and higher than the aftermath loan. The gentry and wealthy families on the field did not dare to leave without authorization, but they had no intention of purchasing. Instead, they were prepared to watch the jokes of Chen Wen and Sun Yu with great interest.
Chapter completed!