Su You nodded: "What Mr. Jiefu said is indeed true, but didn't Minggong realize that the development speed is getting faster and faster, and the scale is getting bigger and bigger?"

"Ming Gong refuted everyone's opinions in the court. Taoism is a "Book of Rites of Zhou", and financial management is half of it. How can Duke Zhou do it for profit! Su You agrees with this."

"Financial management is for political affairs, and political affairs are for the country and the people. Therefore, financial management is the so-called righteousness. Su You also agrees with this."

"But when participating in politics, you must manage your finances wisely. The biggest difference between national financial planning and business operations is that businessmen are only interested in profit, while national planning must take into account both national needs and people's livelihood."

Wang Anshi was a little dissatisfied: "The imperial edict prepared by the imperial court made it very clear: if there are more disasters every year, the provincial warehouse will be used to provide more relief loans. And the provincial warehouse will be used to wait for the land's gifts. If there is still insufficient money, the government will provide relief loans. This is why the court

It is difficult to give benefits, and in bad years the people may not be blessed with the best virtues.

Nowadays, all the roads are flat, and there are more than 15 million stones in Guanghui Granary. The method of collecting and dispersing them is not suitable, so the profit from the lover is not enough, so even more provincial granaries are sent out to provide relief.

Now I want to use Changping, Guanghuicang to see it in Hudou. If the quantity is high, the market price will be reduced, and if the quantity is low, the market price will be increased. If the quantity is low, the market price will increase. It can be transferred by the accounting and transportation department with the seedling tax and money, and it is also allowed to be exchanged.

To see the money, according to the Shaanxi Qingmiao money example, the people are willing to give it in advance, and the money is paid with taxes, half of it is summer material, and the other half is autumn material.

If there are those who are willing to give me true gifts, or if the price is high, I will accept the payment.

If there is a disaster, you can also pay the money on the day when the inferior materials are harvested, which is not enough to deal with the disaster."

"Mingrun, the new law is clear and clear. Isn't this for the sake of the country and taking into account people's livelihood?"

Su You said seriously: "Mr. Jiefu, let's analyze it slowly."

"First of all, we must consider that households in the Song Dynasty are divided into five classes. The composition of these five classes is like the shape of a mountain. The base number is larger as you go down, and the base number becomes smaller as you go up, right?"

Wang Anshi nodded: "Below the fourth grade, account for 70% of the households, and those above the third grade only account for 30% of the households."

Su You continued: "But the control of wealth is reversed. Seventy percent of the country's wealth is in the hands of third-class households and above, right?"

Wang Anshi nodded: "This is the problem of the Song Dynasty. The "Green Crops Law" was also introduced for this purpose. It suppressed mergers so that the rich would not get richer and the poor would become poorer."

Su You said: "This idea is very good, but the young people participating in politics have cut off the benefits of lending to the second class, and only benefited from the lower class, which hurts everyone's interests. Although the regulations

It is different from Sang Hongyang’s method, but how is the result different from Sang Hongyang’s method?”

Lu Huiqing had no choice but to speak: "How can it harm everyone's interests? We have already considered this clearly and determined the loan amount based on the fifth-class household registration. Higher-class people can borrow more, and low-class people can borrow less."

"The fifth-class household shall not exceed 500 guan, the fourth-class household shall not exceed 3 guan, the third-class household shall not exceed 6 guan, the second-class household shall not exceed 10 guan, and the first-class household shall not exceed 15 guan."

Su You said: "The judge did not understand what I meant. The purpose of your approach is not from the perspective of helping farmers get rid of poverty. Its purpose is only to preserve the country's assets."

"It is also for this reason that the "Young Crop Law" also distinguishes between main customers. Customers can also borrow young crop money, but they must be insured with the main household, and the loan amount is determined based on the main household's property."

"From the perspective of legal relations in the Song Dynasty, the client and the principal only have an employment relationship. It is illegal and unreasonable to force the principal to guarantee the client. The reason is simply that the client has no ability to repay.

Therefore, the owner’s property is used as a guarantee to protect the state’s loans from losses.”

Lu Huiqing thought there was nothing wrong with him: "Of course we must protect the national property."

Su You shook his head and continued to recite the article: "Ten households will be considered as one guarantee. The amount of money will be estimated, and the material resources of each household will be measured. The order will be given to the elders personally, and the elders will be asked to recognize each other. Each household must have a widower of more than one person. Those who do not want to be invited

, and shall not suppress the match. Those who are willing to ask for a bucket of dendrites will be paid in money according to the current price, that is, they shall not lose official capital, but will pay a bucket of dendrobium in accordance with the money regulations."

"What I want to ask is, what should a farmer do if he loses his official capital? Floods and droughts are untimely. Is it true that the law stipulates that it is not allowed?"

"Let's go on: If the customer wishes to apply, he will be insured with the owner, and the amount of the loan will be the amount of the owner's material resources insured. If there is a surplus for the village household, it is legal, and the payment will be in conflict with the village.

When you sign a guarantee, you need to receive money from young people. Each guarantee must be made by someone of the third or higher class who has the financial resources to fill the head."

"Here it is mentioned that the material resources of the guarantor household, Jia Tou, and the households in Fangguo are offset. Su You would like to ask, after the farmers and households in Fangguo suffered losses, they used the material resources of the guarantor household, Jia Tou, to offset the losses?"

"Household insurance is nominally to prevent idlers from borrowing too much. In essence, it's just because the property of the insured can be used as a mortgage for young crops, or it's because of the words 'no loss of official capital'"

.”

Lu Huiqing didn't think there was anything wrong: "Isn't this the case all over the world? Isn't it true that Sitong Company is in Shu?"

Wang Anshi thought that Su You, like Sima Guang and Zeng Gongliang, was preparing to say that the interest rate was too high: "Mingrun, for the purpose of relieving the people, two points of interest is certainly not as good as one point of interest, and one point of interest is certainly not as good as lending at a disadvantage.

Of course, borrowing it is not as good as giving it. But with the ability of Mingrun, I naturally know that the advice of those pedantic scholars is not feasible. Why? Because it will not be sustainable in the future."

"If it cannot be continued, then it means only knowing how to benefit, but not knowing how to govern. This is not the way to benefit without spending money."

"If you want to lend money, you will inevitably incur officials' salaries, chariot transportation expenses, floods and droughts, and the consumption of rats and birds. Shouldn't we collect interest on loans, work hard to increase warehouses, and just give them to them when they are hungry? There is no such thing

Two-cent interest, okay?"

Su You shook his head again: "Participating in politics, we will talk about this later. The law also states: If there is a loan based on the above quota, there will be surplus capital, and for the third-class or above households, the county will be entrusted to measure the material resources, and the amount of money will be determined above.

In addition, we will add several more supplies.”

"Everyone has only considered the situation where households are eager to borrow money and the county is in control. Have you ever thought about the disadvantages of households being unwilling to borrow money and the state and county imposing mandatory apportionment?"

"Also: after the two harvests in summer and autumn, when the money borrowed for young crops is repaid along with the two taxes, one-third or two cents of interest must be added to the original borrowed amount."

"With your ability, you can know the moral character of our officials in the Song Dynasty. Will they choose to be high rather than low? Or will they be low rather than high? Therefore, setting the interest rate of the "Green Miao Law" at three points is not a good idea.

Have you passed?"

"I just said that national financial management is very different from ordinary business operations. We cannot just focus on short-term profits. If you only focus on the four words of official capital profit and loss, you have fallen behind. This is not

The way of economics is the way of merchants."

“The way of economy is to support the people and make the country fully functional. If the people are rich, the country will be strong, and if the country is strong, the people will be rich. The two cannot be separated.”

"The profit of one-third is actually similar to the four-cent profit that is commonly used in private loans today."

"No one in this world is a fool. Participating in politics and temple officials say that the interest of the people is nearly double. It is a way for rich households to oppress small households during the lean years. However, it is not a long-term cooperation method between major customers, nor is it a way for rural areas.

normality.”

"If this is the case, then the small households will definitely regard the large households as enemies and bandits, and then the basis for the "Young Crops Law" to require all households to jointly protect each other will also not exist."

"According to my research, the spring and autumn agricultural loans in normal rural areas are actually only close to multiples of the income, not close to the principal. Otherwise, how can the borrower repay it after one year? If this is a common phenomenon in the Song Dynasty, everyone thinks

Do you think this country can last for another hundred years?"

"Of course, I'm not saying that the four-cent interest rate is not powerful. The four-cent interest rate has almost wiped out the farmers' income for a year. What is left is only enough to sustain half of the family's life."

"But can a three-cent interest rate alleviate this problem? A three-cent interest rate may solve the temporary problems of second- and third-class households, but for fourth- and fifth-class households, how much difference does it make? Maintain half a life.
Chapter completed!