After Zhang Shipeng understood the pilot ideas conveyed by Zhu Shuren through Yao Qisheng, he did not have Hanhu.

In just two months, with the gradual implementation of the autumn tax collection work in Hangzhou Prefecture in the second year of a well-off society, some new policies that benefit the people were gradually promoted, and soon the first group of people were willing to try the waters.

"Hey? I heard that the imperial court actually launched a pilot project in our Hangzhou Prefecture this year. Any farmer with less than ten acres of paddy fields and twenty acres of mountain fields can apply for the government to borrow money after paying the tax grain in full! I heard that he can borrow at least twenty taels!

If the family had a few acres of paddy fields, they could use these fields as collateral, generally it would not be a problem to borrow fifty taels! I heard that the highest examples are borrowing seventy to eighty taels!”

This type of news soon spread in various counties in Hangzhou Prefecture.

Moreover, whenever there is a word of mouth, someone can immediately come up with ironclad evidence that someone in the next village or village really borrows money and then puts down the fragmented fields of two neighbors who want to work in the city and change their employment.

I heard that a farmer on Longjing Mountain who originally had only seven or eight acres of mountain fields to grow tea, after the merger of his neighbors, expanded to as many as twenty-five or six acres.

After hearing that his neighbors got the capital to sell land, they joined the market to change their business and opened a tea-fried tea shop, which was also good.

The stories like this are spreading more and more, and most simple farmers believe it after hearing this.

However, no matter what era, the voice of oneself who thinks he is calm and rational must always exist.

Especially in the Ming Dynasty, there were too many scholars in several prefectures in northern Zhejiang, and there were a lot of farmers who could not even get a child. Because they had no fame, these people needed to continue to pay taxes and perform labor service throughout their lives, but the advantage of literacy made them interpret the policies of the courts and were not afraid to speculate on the conspiracy with the greatest malicious intention.

"This must be the treacherous and flattering people in the court. They want to make achievements in promoting the new law and make the indicators beautiful to please Shangguan!"

"This kind of 'typical case' is probably spread by the mouthpiece of the government. It is estimated that one of them may not be in a hundred miles, and they will be chewed all kinds of things when they catch it."

If the people were not time travelers after all, they would not be able to express professional terms such as "survivor effect", they would probably have just started to squirt.

This is also impossible. After all, in the Ming Dynasty, if a scholar insisted on taking the provincial examination all his life, the probability of a successful juren in the end was about twenty to one.

But in Shaoxing Prefecture, Ningbo Prefecture can only produce a Juren in a lifetime. Hangzhou Prefecture is not as tragic as Shaoxing Prefecture, but there is still a strong intensity for fifty or sixty scholars to produce a Juren in a lifetime.

Such an environment makes it difficult for the people to deceive, and there are too many farmers who are literate.

Some people who were still waving their hoes during the day actually read the allusions of Su Dongpo, Wang Anshi, Sima Guang, and a group of the most active minds immediately thought of the example of the Qingmiao Method of Wang Anshi of Song Dynasty taking advantage of loopholes.

The court actually dared to borrow money from farmers? Then we must teach those disabled people in the court who are not diligent in their four bodies and are not diligent in their grains. What is the sinister world!

This situation is probably similar to that of some "online loans that will cost you a village" in the 21st century. Most of the time, P2P online loans in later generations were sucking people and not spitting out bones, but there were also some deadly deadbeats who could cure them.

These people often have no money and no life. They are actually the same type of people as the Northern Song Dynasty Qingpi rogue who fleece Wang Anshi.

Although the laws of lending money to the people this time by the imperial court are still very different from those of Wang Anshi's Qingmiao Law, for example, the requirements are farmer's property and only those with less than ten acres of land must be loaned.

In this way, the bachelors who are already in the business or at least have no land will be excluded from those who apply for loans. Most of the people who can take advantage of loopholes will be blocked.

Unfortunately, even so, it is impossible to block 100% of the wool. The wisdom of the people is endless, especially in the confrontation of taking advantage of legal loopholes. It is all about being able to go up and down, relying entirely on the laws of nature to survive, and it can select feasible wool-grabbing strategies as soon as possible.

People with poor IQ will be caught soon, and those with high IQs can succeed, and then their experience will spread, allowing others to react quickly to learn.

Therefore, under the killing of natural laws, various strange avoidance strategies began to appear under Zhang Shipeng's rule.

For example, some farmers originally met the conditions for applying for loans because they were not purely settled, but had one acre of three cents of land, or seven or eight cents of land. This belongs to the scope of "there is land, but less than ten acres, so they can be eligible to apply for a loan to buy neighbor's land."

However, because they have too little land, it is not a pity to give up or resell it again. Or these people are already active and have the idea of ​​changing jobs or business, and have no intention of retaining their farming status.

Therefore, the people began to appear among the people: "There are obviously three neighbors, and A has the most fields. If you want to buy the fields of your neighbor B and C and let B and C enter the city to be a worker, the number of paddy fields in A can also exceed ten acres."

But in actual operation, if B, who only has one acre of land or a few cents of land, first apply for a loan and then merge it once. Finally, A will take over the fields of B and C in one go.

In such cases, A has no problem. He is indeed taking out loans to buy neighbors' fields, achieving moderate concentration of arable land, and improving agricultural production efficiency. It is indeed in line with the laws of the court and cannot find any faults.

But the problem is that in the process B or C, they did not want to buy land and manage it well. They just became middlemen, and they passed the money slightly, and after buying it, they sold it to other neighbors, and exchanged the land for money again.

Then these people took out loans to help farmers buy land, and they were no longer bound by the original one-acre three-point land. They directly chose to run away with the money in the future, and even thought about how to hide their names.

And the court cannot stop such a thing, because the court cannot forbidden the extremely poor to sell their own fields at one time.

What if the other party really wanted to take a loan to buy more than ten acres of land from his home and then cultivate and manage it well? But after buying it, another accident happened and there were problems with survival and had to sell the land again to save his life. This is normal.

Just like even if the imperial court can issue a purchase restriction policy,

But you can't stop others from cutting off their supply by taking out loans, right?

It is even more impossible to prevent people who buy houses with loans from severing their contracts and being auctioned after they breach their contracts?

Any dynasty, as long as you use the two tricks of severance or judicial auction, and you are really not worried that you will be ruined by leaving your hometown and credit reporting, you will definitely not be able to stop a person who wants to cheat loans and get a lot of money.

At least in the era before the digital networking of information for the whole nation, it was never possible. The degree of meticulousness of social governance in the Ming Dynasty was obviously far from that.

...

When the tide fades, I know who is swimming in the fruit.

When flooding, problems are always easily covered up.

Zhang Shipeng was selected by Zhu Shuren as a pilot loan for the second year of well-off society, and carried out experimental fields for the merger of land between poor farmers and land. His initial work, of course, also focused on how to lend money, how to concentrate the fields, how to reduce the number of poor farmers, and squeeze out part of the population into industrial and commercial records.

Therefore, his initial assessment indicators were also "how much has the average land area of ​​registered poor farmers in Hangzhou Prefecture increased, and how many people who have transferred their employment registration to the population." These two indicators determine whether his pilot political achievements are good, whether he should be promoted, remain in office or depreciated in a few years.

The KPI indicators that were tested in the law were forced to adopt a more radical and relaxed credit policy at the beginning, and to lend as much as possible to all poor farmers who meet the conditions, unless the principal allocated to him by the court is no longer enough.

In just a few months, he released at least two million taels of silver, involving more than 100,000 farmers in various counties in Hangzhou Prefecture.

The political achievements on the books are very obvious. After such mutual annexation between poor peasants, the remaining poor peasants in Hangzhou Prefecture, the number of paddy fields per household has increased from more than two acres to more than five acres, more than doubled.

At the same time, at least 70,000 to 80,000 households have changed from agricultural registration to industrial registration, which has increased full-time cheap labor for industrial and commercial construction that the court should promote.

However, this kind of pilot project cannot be promoted on a large scale in the future, and it is flooded with money. Because the court cannot afford to lend money at all. If a Hangzhou Prefecture would cost two million taels a year, there would be new mergers and loans every year in the future, and the total in the end may exceed five million in the years.

If it were Yingtian, Suzhou, Songjiang, Changzhou, Huzhou, Shaoxing, Ningbo... These rich mansions with dense populations and very few per capita land would also join the pilot project, and they would not spend 20 million taels a year? The cumulative amount of 50 to 60 million taels over the years? How could the imperial court have so much capital to lend?

With the surplus of the court's years of rest and rest and peaceful construction, the surplus has not yet reached 100 million taels of silver. The annual fiscal revenue is only tens of millions of taels-

This number is actually not low, because the population of the Ming Dynasty has not yet recovered, and it is only more than 70 million people. It is already good to have an annual fiscal revenue of tens of millions of taels.

In the later Qing Dynasty, which was parallel to time and space, in the late Qianlong period of the early Jiaqing period, it only had a fiscal revenue of 70 to 80 million taels per year. Otherwise, how could Heshen’s house-confiscation worth 800 million taels could be worth ten years of income (in fact, gold, silver and gold were only hundreds of millions of taels respectively, and the others were valuations of land for jewelry and treasures. This is just an analogy for easy explanation)

Therefore, after the Ming Dynasty restored peace, the savings slowly accumulated over the past few years will be piloted for a small number of governments in southern Zhili and Zhejiang in the next five years, even if there is no other accident and no other place to spend money.

We have to wait for these loans to be recovered after ten or eight years, and the profit will be three times (if the loans can be recovered successfully, there will be bad debt losses in fact), so that we can promote them in Nanzhili and other regions of Zhejiang, plus in Fujian, Jiangxi. In another ten years, we can get to Huguang, Sichuan, Guangdong and Guangxi...

So this is definitely a more complex and procrastinating project than "abandoning and dividing the books". If the Ming Dynasty did not create new currency or make some other financial resources, it would not be completed in thirty years by rolling up the interest of the fiscal surplus.

Fortunately, this matter is just an introduction, so there is no need to be urgent. The ultimate goal is to completely implement the matter of abolishing the family and dividing the household registration. As for how many poor farmers have borrowed money to help them buy land and squeeze their neighbors away, this indicator itself is not important.

...

Zhang Shipeng released loans for several months. While his political performance KPI numbers were rising, he was actually very uneasy, who knew the local folk customs very well.

Because he knew that a considerable thunder must have been buried under his feet.

Therefore, in the first month of the third year of Xiaokang, after the Lantern Festival, he met Yao Qisheng, who was sent by Zhu Shuren to Zhejiang to inspect the relevant pilot work, and he revealed his vague concerns about bad debts.

"Mr. Yao, this loan pilot and encouraging poor farmers to expand their fields has been done well. However, the 70,000 to 80,000 poor farmers have changed their employment status, and the remaining poor farmers have more than doubled the average land area, which is definitely a great price.

Although this official cannot get the specific number, it is estimated that among the 70,000 to 80,000 workers who have changed their household registration, only 50,000 or 60,000 may stay in their hometown to work with peace of mind.

There are at least 20,000 households, who are all fishing for troubled waters and taking advantage of the situation to cheat loans. There are probably many young and slutty disciples who will definitely want to take the money away, or just act like a scoundrel - because the loan I finally checked here is at least 20,000 households who have bought the land and sold it after buying the land next year. There is no guarantee that more people will sell the land next year before the first repayment of the loan."

Zhang Shipeng also knew that those bad debt risk accounts may not be able to return the money now, because it is not urgent now. The loan issued by the court did not start to be recycled after only one year after it was released. Because it is necessary to consider that many people have just expanded production and have a large investment and have occupied all the money, it is very likely that they cannot collect the mortgage directly, and they will cause trouble.

Therefore, this kind of operating loan usually starts to collect mortgage payments in the third year after buying the land. Since the loan was loaned at the end of last year and the time point for repayment is not yet reached, there is no need for those people to rush to run away. You can wait and see again, or find a better opportunity locally.

You can’t just run away or change jobs, and you must not find an opportunity to "raise your salary".

Therefore, in the face of Zhang Shipeng's concerns, Yao Qisheng was not so nervous. He reposted to Zhang Shipeng with admiration: "The prince has long thought of this possibility. You are a pilot project. As long as you are honest and selfless, you have not cheated loans and colluded with profits.

Even if there is a little bad debt rate in the end, the prince will not blame you - the first one is to be killed without being pinned. However, the government should also do a good job of publicity to calm people's hearts and try to subtly promote the repayment period more, so that those who have ulterior motives should not run away in a hurry, even if you have fulfilled your responsibilities.

In addition, when the repayment period is less than one year away, Hangzhou Prefecture should be prepared to seal the country. At that time, it is necessary to strictly investigate people who leave their hometowns. If someone who owes loans to the court, they will never be allowed to appear on the screen. If you catch one, you must take care of it. In that case, you will be maliciously absconded. If necessary, you can set up a trap in advance to take action."

Yao Qisheng has obviously not been in vain for more than a year. He has been thinking about how to prevent fraudulent loans and bad debts from escaping.

In addition, he often asks Zhu Shuren for advice, and Zhu Shuren has had hundreds of years of experience and prevention of financial loan fraud.

Often, an occasional tip can double the degree of treacherous people like Yao Qisheng.

So Yao Qisheng has actually thought a lot about how to plug the leaks as much as possible.

After Zhang Shipeng was comforted by him, he felt a little relieved. He was just cautious and always made sure that he was not corrupted and greedy for personal gain, knowing that as long as he did not have subjective malice, the prince's liquidation would not end up on him.

Throughout the three years of well-off society, tax reform and abolishment of taxes and decentralizations were continued in an orderly manner. Anyway, there was no need to pay mortgages this year, and the nervous scoundrels among the people were comforted as much as possible, and no problems occurred.

After all, these rogues are very poor, and it is not easy to go on a long journey. I guess there is only one chance to place bets in my life, so how can I be too cautious? It is not easy to make up my mind before the critical moment.

With this delay in boiling frogs in warm water, time quietly came to four years of well-off life, and everything seemed to be harmonious on the surface.

——

PS: I am so depressed. My wife actually returned to positive energy in early May. I tested it twice in the previous two weeks and thought I was avoiding it. It must be because the antibodies in my body were still very strong. Who knew that I was still infected recently.

But it was much lighter than the first time, which was a severe cold. The antibody finally lasted for five months (my first positive was at the end of December last year). I took it for five or six days that time, and I guess I would have to take two or three days off this time.

However, if you don’t update for three consecutive days, you’re afraid that everyone will be impatient, so I thought about it and left half a chapter to save the manuscript. I will ask for leave the next day and try to slow down to two days to update the code, so that I won’t be too tired and repeated.

So tomorrow, you will take leave the next day (31/2/4, actually three days), updated on June 1st, 3rd, and reply on the 5th is completely normal.

Finally, I would like to say that there is still no manuscript deposit at present, mainly because I was busy preparing for review of the new book, so I don’t have time to save it.

But the good news is that the new book has finally passed the review this week. Unfortunately, it is already June. At this time, opening new books is likely to hit the end of the period, so I am going to wait until July 1st to open new books (because July 1st is a weekend, so it may be delayed until July 3rd at the latest, which is a Monday.)

I plan to start writing this book on June 5th, and save it until early July until June 20th, and then start polishing the new book and saving the manuscripts of the new book. That's it.
Chapter completed!