Lending has been one of the fastest and easiest ways to make money since ancient times. Ultimate is the best among them. Compared with businessmen and businessmen, the cost of lending usury is relatively small, the risk is also small, and the profit is very high.

Rixingchang Guifang is not Shanfang. Opening the door to do business requires making money, and making profits is to lend money, but not lending usury.

For those who want to borrow money to help the emergency, they will give priority to borrow money from Rixingchang, which has a lower interest rate. Then those who lend money loans will be affected. However, in the territory of the Huangzhou General Administration, doing serious business without lending money can also make a lot of money, so this contradiction is not obvious.

However, the business scope of Rixingchang Guifang cannot be limited to the Huangzhou General Administration, and it will inevitably expand outward, which will offend usury in various places, make countless enemies, and become the target of public criticism.

These days, the "wealth practitioners" have different surnames from powerful families, wealthy officials from all over the country, aristocratic families, common people, and landlords of the country, and the strongest among them are temples in various places.

The temples have usury, and the "turnover" is amazing and profitable. The temples have many good men and women as their backings, including many powerful families and children of aristocratic families. Once they offend local temples, Rixingchang will never be peaceful.

This is not an exaggeration. In the case of the Zhou Kingdom, before Emperor Wu destroyed the Buddha, the dependent households of various temples in the Zhou Kingdom were almost half of the number of households organized by the government. The situation in Qi Kingdom at the same time was similar.

In addition, most powerful people believe in Buddhism, and even sometimes give up their houses as temples and donate a lot of land to the temples. With these people as their backers, monks who lend money to usury can be said to be fearless.

If Nikhung-chang conducts low-interest loan lending business in various places, it will inevitably anger the local temples that are lending loans and offend such forces, Nikhung-chang will not want to live a good life.

This is not counted, because in addition to non-governmental organizations, there are also official institutions that lend usury.

The government is also operating a lending business. This kind of money used for lending is called "public party money" or "public party capital". The money has been available since the Yuan and Wei dynasties, and to the present day, the Zhou State has officially implemented the official lending system.

The profits of the government money are used to supplement the government's expenses to provide regular food expenses and salary for officials below the history. The corresponding officials are responsible for the government money lending, and their lending performance will be included in the selection and assessment, which is directly related to the promotion of these officials.

Most of the people in charge of the government's money lending are handled by the wealthy officials in the government governments in various places. It is difficult for these officials to be promoted, so they rely on the government's money to lend money to make profits. If someone affects their interests, all kinds of dirty means can be used.

If there is no official in the Huangzhou General Administration, it is not a good official who dares to do anything randomly, but it is different in other places. The noble official is a local local tyrant. In the government, the people have relationships and connections. It is very easy to make a hindrance to Rixingchang, who is doing business in the local area.

Purely speaking, we should uphold the belief of "harmony brings wealth" and deal with colleagues from all over the country. Rixingchang wants to conduct business in various places, and provide low-interest loans, which is a direct declaration of war on local usury, which will inevitably make countless enemies.

Why did Nikkikaku do this? It's very simple, because Nikkikaku was aiming for such a goal when he was founded. Just as the Hulin Army was a sword of King Xiyang, Nikkikaku would be another sword, a soft knife that could not see blood.

All the shareholders attending the meeting today understand this truth. The purpose of the establishment of Nixingchang is to deal with usury in various places for the King of Xiyang. Now the weapon of Nixingchang's attack on the other side is a loan called "Qingmiao Loan". It was launched last year and has a very good effect.

The so-called Qingmiao Loan means that when farmers start to farm (spring plow), they borrow money to buy seeds, farm tools and even rent oxen, and when they are harvested, they use the harvest to repay the loan. Rixing Changguifang calls this loan Qingmiao Loan.

In order to avoid low grains from hurting farmers, farmers can pay back the loan with grain, and there is no need to sell grain for copper coins before repaying it. The interest rate of Qingmiao loan is 10%. If the grain cannot be paid back in the year of disaster, they can pay it back again in the next year. Of course, the profits must be appropriately increased.

This form of green seedling loan has existed for a long time, but it does not have a unified name. Many farmers from poor families have to borrow money to buy seeds and farm tools when they plow in spring to ensure that there is a harvest in autumn and pay rent and adjustment. The only way is to borrow money.

However, it is difficult for them to have the opportunity to borrow money at low interest rates, so they can only seek help from usury. The interest rate for private usury loans is generally 30%, and the interest rate for government officials is generally 20%.

If a farmer who borrows usury encounters a failure or even a bad harvest, his family will immediately take debts. In order to farm and support his family in the next year, he can only continue to borrow money, and then he will be owed a lot of debts and will never turn over.

Therefore, issuing usury to farmers is the basis for usury practitioners to make money. Many big landlords, strong clans and surnames, rely on usury to make self-cultivated farmers bankrupt and then become their tenants, and the land is also annexed by them.

Such consequences are that the government's tax revenue is sharply reduced and the disaster relief is ineffective. In the end, the people in various places rise up and the country is destroyed due to internal troubles; or they are unable to support the army and destroyed due to foreign invasions.

King Xiyang hated usury for this and needed Rixingchang to try to solve or alleviate this problem.

Now, Rixingchang has issued Qingmiao loans at an interest rate of 10%, which has benefited farmers but has established officials. Private usury loans are in dire straits. It is hard to think that many people will hate Rixingchang to the core.

So, why does Rixingchang still launch a low-interest "Qingmiao loan" to intensify the conflict?

Because this is an open conspiracy, the country is based on the people and the people are based on food. Whether farmers can plant good land, pay land rent in time, and transfer households is a matter that any ruler must pay. From a clear perspective, most of the policies of the courts in all dynasties advocate suppressing usury.

Therefore, no one can attack the "Qingmiao Loan" that is obviously beneficial to the people, and can only use secret tricks.

It is true that open guns are easy to avoid hidden arrows, but it is hard to prevent secret moves, but it doesn’t matter to Nikkigao, because it’s enough to kill the opponent.

People who lend money loans rely on hawks and dogs to lend money. If they want to use a secret move, they will inevitably instigate some thugs and gangsters to take the lead. If Rixingchang wants to deal with the moves, he will be poor at dealing with them, so the easiest way is to kill people.

At this time, Wang Yue said something murderous: "Highlights dare to use dead soldiers, and the ruffians are used to provoke trouble. Rixingchang will use dead soldiers. The ruffians are used to exchange for one life. Everyone can spend their lives on the competition, and see who can consume whom!"

"If a temple that is lent a loan shark dares to provoke trouble, then there will be bandits who will slaughter the temple. If a wealthy official dares to provoke trouble, then the whole family will die in a bad life. If a powerful man dares to provoke trouble, the children in the clan will be killed by revenge and love!"

"All those who dare to stop Rixingchang from placing interest-lower loans will have to pay the price!"

"The king will deal with the questions on the face of the official. If anyone dares to use a secret move, we will send the dead soldiers to kill people to solve them! Don't talk nonsense to them!"

"Even if Hirokazuki becomes the target of public criticism, who will we be afraid of as long as the king has troops?"

Wang Yue's words, no one of the shareholders present thought it was a boast. The escorts and slave hunting teams owned by the Huangzhou Commercial Group were not vases to show off, and they promised to be a deceased soldier and die together with their opponents. How many such people would be?
Chapter completed!