"Mr. Fang, do you want to personally guarantee Zhangjiazhuang? This naturally makes me handle it immediately." Liu Youcai is a businessman and is used to watching people's words. When he saw Fang Xiangying, he became really angry. He was busy laughing and trying to do everything, and asked his clerk to handle it for Zhangjiazhuang.
Loan business. After all, when doing business, you should pay attention to harmony and wealth. Officials like Fang Xiangying will not offend them if they can.
In the blink of an eye, one hundred and two households in Zhangjiazhuang village had borrowed five hundred and ten taels.
After leaving the Shenmu Branch of Daming Bank, Fang Xiangying realized something and called a meeting with officials and subordinates of the county.
The spacious county government office hall is full of county officials. Headed by three deputies: County Magistrate Li Yi, executive deputy, eighth grade, in charge of the county's documents, archives, warehouses, grain and horses, and tax collection; Chief Bookkeeper Guo Pusheng, No.
The second deputy, the ninth grade, is in charge of household registration, arrests, and document processing; Dian Shi Zhoubo, the third deputy, has no rank, and is responsible for daily supervision of prisoners. In practice, he takes care of things that the county magistrate and the chief registrar do not care about.
"Masters, I have something to ask of you in this county." Fang Xiangying rushed to Li Yi, Guo Pusheng, Zhou Bo and others and bowed his hands.
Li Yi, Guo Pusheng, and Zhou Bo all looked at each other and hurriedly returned the greetings, saying in unison: "Your Majesty, please speak."
"Today I went to inspect Zhangjiazhuang in Gaojiabao and found that the New Changping Law cannot be implemented in this village. The reason is that the whole village cannot find wealthy households that meet the requirements of Daming Bank. This kind of situation cannot be solved in Shenmu like me.
Poor counties are very common. I went to talk to Shopkeeper Liu of the Shenmu branch of Daming Bank for half a day, but he refused to let go because the bank had a system. Later, in a rage, I personally guarantored Zhangjiazhuang, and he turned out to be very
Smoothly, the loan of 510 taels of silver was successfully distributed to the villagers of Zhangjiazhuang."
At this point, Fang Xiangying paused and carefully observed everyone's reaction. Seeing that everyone looked solemn and listened attentively, he continued: "My intention is to divide the villages in the county into guarantees, and each official will
Cover several villages, with more packages for those with higher official positions and less for those with lower official positions. In this way, the New Changping Law can be popularized throughout the county. Are you willing to help this county?"
As soon as this statement came out, the originally silent crowd buzzed, and everyone began to whisper secretly.
"The honor of the county is high and righteous. As the county magistrate of this county, it is my duty to agree with you!" Li Yi, the county magistrate, was the first to agree. He comes from a well-known family and is generous with his wealth. Whenever he does a righteous deed, he will not be left behind by others.
"I thank Brother Li on behalf of the elders of He County." Fang Xiangying was greatly moved and thanked him.
"Your Majesty, I would like to be the guarantor, but my family is not rich. I wonder if the Ming Dynasty Bank will agree to let me be the guarantor?" Guo Pusheng, the chief bookkeeper, was a little suspicious.
"It doesn't matter, in the eyes of the bank boss, your official salary is the best guarantee." Fang Xiangying sealed the retreat in Guo Pusheng's words with a smile.
"In this case, I am also willing to be a guarantee," Guo Pusheng reluctantly agreed.
"County Lord, we have guaranteed for the people. Once something happens to the people and they cannot pay back the money, don't we have to pay the money? I am not like you and the Li County Cheng family who have a big business and guarantee so many households.
Once you make a mistake, how can you make up for it?" Zhou Bo, Dianshi, is a straight-tempered person and expressed his worries.
"This is it~"
Fang Xiangying thought for a moment and said categorically: "Don't worry, the public. Let's help the people get through the difficulties first. The county hereby solemnly promises that if a dead debt occurs next year, the money guaranteed will not be compensated by the public, and will all be paid by the county finance."
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This statement is a bit false. Everyone knows that Shenmu is a poor county. It is still open to debate whether the county's finances will be profitable next year. But after all, the county magistrate made the decision, and many people immediately agreed to guarantee it.
However, there were still people like Zhou Bo who were hesitant and did not let go.
Fang Xiangying stared at Zhou Bo and suddenly made a "plop" sound and knelt down on her knees, "Zhou Dianshi, I am begging you on behalf of all the folks in the county."
"Oh, County Lord, what are you doing? You can kill me! Please get up quickly, I agree." Zhou Bo was frightened and hurriedly helped Fang Xiangying up and agreed repeatedly.
There was gold under the man's knees. This kneeling brought him thousands of taels of gold for the people of Shenmu. Everyone present was willing to vouch for the people.
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In the evening, in the Shenmu branch of Daming Bank, the shopkeeper Liu Youcai was humming a ditty and was in a good mood. At noon, he made a "big business". It was rare that Shenmu County Magistrate Fang Xiangying was willing to vouch for the mud-legged people in Zhangjiazhuang.
The master's credit is good, so this loan is naturally of high quality. For an amount of five hundred and ten taels, the bank will receive an interest of twenty-five and a half taels in the coming year. This is considered "big business" in the poor Shenmu County.
Just as I was being happy, suddenly there was a bustle of personnel, and more than a hundred people suddenly poured into the entrance of the originally deserted bank.
Liu Youcai took a closer look, what a good guy, from the county magistrate Fang Xiangying, the county magistrate Li Yi, the chief secretary Guo Pusheng, Dian Shi Zhou Bo, down to the official servants, almost everyone in the county who eats the royal food is here.
"Oh, Mr. Fang, what are you doing?" he hurriedly asked.
"Shopkeeper Liu, don't be alarmed. I just discussed with all the county officials and everyone is willing to vouch for the folks of Shenmu. This is the guarantee list. Please take a look." Fang Xiangying handed over a booklet.
Liu Youcai took a look and saw who was vouching for which villages. He wrote clearly and clearly, and even took his fingerprints.
In an instant, his eyes became moist, and an inexplicable emotion flowed in his chest. Whether it was touching, admiration, or admiration, he couldn't tell clearly. He just felt that Fang Xiangying's image was very tall, while his own image was very small. "Don't worry, Mr. Fang, I will immediately lend money to the folks in Shenmu," Liu Youcai's voice was solemn.
??
"What, Shenmu County actually loaned more than 36,000 taels?" Cheng Yuan, the Shaanxi governor's office, looked at the loan data of the new Changping Law implemented in various places, and was stunned by the amount in Shenmu County.
This is a poor county, where can there be so many wealthy households as guarantors? In his mind, it would be good to loan out five thousand taels, but unexpectedly, he loaned more than thirty-six thousand taels! How can it not be surprising? p>
"How did they do it?" Governor Cheng asked his men carefully.
"It is said that Fang Xiangying, the magistrate of Shenmu County, asked all the officials in the county to share the responsibility, and each person guaranteed for several villages, and then he got a loan of more than 36,000 taels," his subordinates reported.
"Fang asked the officials to share the work with them as guarantees. Will those officials be willing to do it?"
"I heard that they were reluctant at first, but then the county magistrate knelt down for them and they were moved to agree."
"Alas! Fang is not easy to hear either!"
Cheng Yuan let out a long sigh and suddenly said: "This man's righteous deeds must be reported to the Holy One!"
A memorial was sent to Nanjing by fast horse from Xi'an.
In the Changchun Palace, Zhu Hengjia and Queen Huang were adding fragrance to their red sleeves when they saw the calligraphy on Cheng Yuan.
"Oh! I didn't expect there to be such good officials in the world who are willing to use themselves as guarantees for the people! If all officials in the Ming Dynasty learn from Fang Xiangying, why worry about the world not being governed!"
The old emperor became more and more excited as he thought about it. He personally gave Fang Xiangying, the magistrate of Shenmu County, four words: "Be a model official", and he also decreed that he be promoted to the second and fourth grades, and appointed as the magistrate of Yan'an Prefecture.
In later generations, a person who became a scholar with the title of "Yang Yang Daming" wrote a limerick about this matter and said: