Father-in-law, his old man's waist is really straight.

It is natural to be reasonable, borrow money and repay interest.

Speaking of the law, there are IOUs and IOUs, but the law of Da Ming protects loan practitioners. In black and white, you can't play hooligans.

Speaking of human feelings, our family sent charcoal in the snow to save you in an emergency, not to mention that I want you to thank my ancestors for 18 generations, at least have a grateful heart, don't cross the river and tear down the bridge.

If everyone in the Ming Dynasty is as anxious and righteous as Gonggong Wei, there is nothing that cannot be passed, and what is the difficulty of not being able to pass!

Of course, if the Western merchants are still not satisfied, feel that they have been treated unfairly, and have been oppressed and blackmailed by the Admiral's maritime minister Wei, they can sue them, and the Admiral's ministers respect their litigation rights and unreservedly support them to protect their legitimate rights and interests through legal channels.

This is a right given to them by law!

The father-in-law has the most rule of law spirit, and the fierce and vicious appearance of his son in his sight is very much desired by his old man, this is the mighty teacher.

But I think that the Western businessmen really sued the emperor, and the emperor was afraid that he didn't force his face to discuss this matter with his father-in-law Wei.

In the final analysis, Xiao Wei's deficit has nothing to do with your emperor.

Allow your emperor to visit the Qinglou every day, and you are not allowed to go around Xiao Wei with nothing to do, half-cover the door, and climb the wall?

Procedural justice, morality is not bad, and the father-in-law has nothing to fear.

Besides, he did this in order to thoroughly understand the economic institutions of the Ming Dynasty, so as to prescribe the right medicine and promote the rapid development of the Ming Dynasty's economy, so as to maintain an advantage in the competition with Westerners.

Never for the money!

The conscience of heaven and earth, father-in-law is not a person who loves money!

This is something that can be said to the sky with a touch of the chest.

Why do you say that, because usury practitioners are an extremely special existence, and social development cannot do without them, but their existence also limits the development of society.

The so-called I don't go to hell, who goes to hell!

When he thought about the suffering suffered by the Ming Dynasty and the land of China, and the possibility of spending the catastrophe with his second uncle in the future, he was sad and worried and couldn't sleep all night, and he couldn't sleep even after he was dry!

With that in mind, he had to figure out where the root cause was.

Only by finding out the root cause can we succeed in the catastrophe and become a baby monster.

The family matter, the father-in-law doesn't think about it, his old man's family is very large, and he doesn't even look at the little Zhu Youzhen.

What he wants to see is heaven and earth, heaven and earth!

Originally, he had always believed that the bad weather caused by the Xiaoice River and the entry of the Manchus caused the collapse of the Ming Dynasty.

Therefore, if you want to save the Ming Dynasty, save China, and save the Han nation, you have to solve the natural and man-made disasters in the country, and at the same time firmly strangle Manchuria.

But during this time in Jiangnan, after field research, he believed that violence is certainly a means to solve the problem, but if it is supplemented by economic means, the effect will be better.

Only by developing the economy and improving the people's livelihood at home can the military struggle be carried out smoothly. This point of view is one with persuading the emperor to make a fortune at the beginning.

Something must have gone wrong with the economy of the Ming Dynasty.

But the root really lies in the gentry group headed by Donglin, and the answer is obviously not 100%.

It is believed that usury limited the healthy development of the Ming Dynasty, which led to the corruption of people's livelihood, the shrinkage of commerce, and the corruption of the government. The partisan strife only exacerbated the process, not the real murderer, or half the murderer, and the other half was usury.

Usury practitioners have a long history in China.

Historically, the earliest usury should have appeared in the Spring and Autumn Period and the Warring States Period. The phenomenon of "double loan" and "double name" described in the book "Pipe" is a clear proof.

In the late Spring and Autumn period, some big usury merchants even borrowed money from the princely emperor. King Zhou, who is the Son of Heaven, was persecuted by creditors, so that he had to build a "debt escape" to escape.

The term "high debt" comes from this incident.

After the Han Dynasty, with the development of minerals and the increase of currency, a large number of "Ziqian families" who specialized in lending money appeared. They lend at least three out of ten, and sometimes even ten times as much. Even the central government of the Han Dynasty had to raise funds from these big usurers to quell the rebellion of the Seven Kingdoms.

During the Tang and Song dynasties, usury had developed into a business closely related to the common people, and it was no more common. Officials borrowing money to live are also endlessly appearing in the history books. Money lenders are no longer limited to merchants and monks, but have developed into a society in which everyone can participate.

With the development of the Ming Dynasty to the present, the commodity economy is highly developed, and it has been stimulated by overseas trade, and an unprecedented large industrial and commercial class has appeared in Nanzhi and southern China.

This is also what later generations often call the germ of capitalism. For example, in the Gangnam area, there are a large number of cottage industry groups for the purpose of producing goods. The commodities needed for maritime trade basically come from these handicraft workshops.

The high development of industry and commerce inevitably led to further stimulation into the usurious industry, and compared with the past, the scale of usury in the Ming Dynasty not only expanded, but the number of people involved in lending was larger, and the scope was unprecedented.

Wei Gonggong temporarily got up to get a left-handed out, right-handed in, and went back and forth to get 2,000 taels more than 2,000 taels, not really not to force face, but to blackmail these Western businessmen, and get the money out of their own pockets to live happily, but to use economic means to gently solve the problem, and solve the ghost that restricts the development of the Ming Dynasty and the development of capitalism.

In today's society, the reason for usury is nothing more than the lack of income and famine, resulting in loans that have no livelihood; Loans arising from heavy taxes and forced labor, loans arising from weddings and funerals, building houses, etc.

But whatever the reason, the interest rate of rural usury is relatively high. The annual interest rate of grain loans generated when there is no green and yellow is blacker than that of "nine out of thirteen", which is 100 percent!

When he was in Wusong, his father-in-law learned that the poor people in Suzhou borrowed grain and rice from rich households, and repaid their debts during the autumn harvest. A man in Songjiang Prefecture borrowed 10 koku of millet and returned it 20 years later. Only when the wealthy households are in the relief township or the government provides state relief in times of famine, the interest rate is set at 20 or 30 percent per annum.

The high interest rates not only destroyed the general production and life of the rural areas of the Ming Dynasty, but also accelerated the bankruptcy process of small producers. It also absorbed the capital generated by the merchants as a result of their business and handicrafts, so that they could not be integrated into the expansion of handicrafts and commerce.

Generally, where there are many merchants, most of them are barren land with narrow land and few fields, and farming is not enough to make a living, so many people engage in handicrafts and commerce.

However, after making money, merchants were accustomed to investing their savings in the land of their hometowns, one was to buy land, and the other was to lend money to collect interest.

This is a return to the traditional landlord plus creditor model.

While the high interest rate deprived the peasants of their property, it also pushed up the local land price, leading to higher taxes for the government. Under the dual effect, these areas gradually degraded from a rural yeoman economy to a farm and serf economy.

As a result, the south of the Yangtze River, including some rural areas in the north of the Yangtze River, has actually lost the ability to pay taxes to the imperial court.

And the merchant who becomes a landlord and a creditor is the first link in the maritime map, and it is also the lowest link.

Because of the restrictions of usury, a certain amount of wealth accumulated by merchants and artisans could not be upgraded to commercial capital for the expansion of industries, as in Europe, but only in commercial intermediaries and usury.

With a little savings in the shopping mall, he immediately opened a debt code in the city, lent money and loans, and turned from a merchant to a sitter. The large amount of money in the usury industry also makes it more difficult for both farmers and small businessmen to obtain cheap start-up capital.

Although farmers and artisans in many regions have artisanal techniques that amaze Europeans and Southeast Asian users, their products are sold well overseas. But as a result of the hard work, most of the profits go to the usurers. The small amount of surplus is not enough to support these experienced practitioners to complete the transformation from craftsmen to artisanal workshop owners.

In the second ring, that is, the maritime merchants of Fujian and Zhejiang, usury is the devil that plagues them.

According to the statements of Tao Jie and Zhang An, due to the high risk of going to the sea in Fujian and Zhejiang, in order to share the risk, they mostly adopt the method of joint stock of many people.

According to their respective responsibilities, there are differences between retail merchants, gentleman merchants, servant merchants, and ship merchants.

The owner of the vessel is also known as the owner and has abundant capital. The seafaring merchant needed to borrow the ship and capital from the shipowner, and then release the ship to sea.

However, unlike the overseas operations of Europe, the overseas cooperative operations of the Ming Dynasty were too biased towards the interests of the shipowners and the bow of the ship. As a result, the profits of the operators who actually experienced the storm and traded from the government were very small. As a result, the voyage did not become a way for operators to accumulate capital, but became a disguised usury.

Shipowners reap the benefits of going to sea accordingly, and only need to pay protection money to the big maritime powers to arbitrarily absorb the profits of merchants.

In this case, the maritime merchants will only develop into pirate groups in the end, or be monopolized by large forces, and will not be able to participate on a large scale.

An industry monopolized by only a few people naturally cannot become the economic pillar of the imperial court, let alone influence the future of a country.

Historical facts have proved that whether it is Jiabidan Li Dan, or Yan Siqi, the king of Taiwan, or Zheng Zhilong, the sea overlord of East Asia, they cannot really expand the sea trade.

They are more confined to family interests, so that the vast number of merchants, artisans, and farmers downstream cannot share in the huge profits of overseas trade, and ultimately cannot cultivate real capitalism. In the face of the invasion of the Manchu Dynasty, they naturally had no ability to protect themselves.

This result is not only due to the influence of China's thinking of valuing agriculture over business, nor is it the result of party strife, but in fact it is clearly an economic constraint.

Usury, a despised and even scolded business, seriously affected the development of commerce in the Ming Dynasty. When the Manchu Qing Dynasty entered the customs, the poor budding capitalism was naturally stillborn.

Father-in-law Wei is now going to solve this problem, in order to know himself and the enemy, and go deep into the enemy, he is an old man who has just tried his hand and turned into a usury practitioner.

"Nine out of thirteen" is not excessive, and it is only a pilot, in the future, his old man will definitely enter the lending industry.

But unlike others, who want to earn high interest and make money, and don't want to forge ahead, my father-in-law wants to guide the merchants to the vast sea, provide a lot of start-up capital for the handicraft owners, and take them to expand the industry together, so that the sprout can truly transform into a giant beast.

That's the qualitative difference!

With the same means and different goals, my father-in-law was very satisfied with putting on a glorious coat for his "shameless" behavior.

Whether you believe it or not, we do.

The whole people go to the sea, which is the end.

…………

Who's for and who's against.

No one is in favor of it, and no one is against it.

After Xu Shourong returned home, he endured all the grievances and grievances, and handed a few silver tickets totaling about 4,000 taels to Xiao Tian, who "escorted" him back, and then asked the housekeeper to withdraw 3,000 taels of cash from the account.

Xiao Tian handed the IOU and IOU to Xu Shourong, and then told the chubby rich man that Father-in-law Wei had a special reward for him.

"Special Commendation?"

Xu Shourong opened his mouth, but he didn't have any curiosity or joy.

He was already numb, all along, he thought that he was shameless enough, but he didn't expect that there was a sky outside the sky, and there were people outside the world, and that young eunuch Wei was the ultimate shameless one.

Xiao Tian is also routine, he was born in poverty, and he is naturally not kind to rich people. He directly put the special commendation given by his father-in-law to this fat man on the table.

It's a blank slate.

Maybe it's to save paper, or it's been cut. It's boxy, about the size of a palm.

On the paper was written the words "Maritime Admiral Yamen Chartered Maritime Development Access Certificate." ”

There is a number in the upper right corner that reads "001".

The inscription is the name of Father-in-law Wei.

Xu Shourong looked at this blank paper, and was disdainful in his heart, what kind of bullshit maritime development access certificate, my lord, my business is all over the country, making money every day, what business is not good to do, be your grandma's mouth...

Wait a minute!

The fat man's eyes flashed, and he took the blank paper in his hand and stared at the words on the paper.

The rest of the families did not have the good luck of Fat Zirong, and Wei Gonggong only wrote one of the maritime concession access certificates, handwritten. Although it looks informal and has no sense of ceremony, this is handwritten by Grandpa Wei, and it is the first one, it is not an exaggeration to say that it is the first number of Tianzi, which is of great significance.

Fat Rong Dan has the keen sense of a businessman, and he should know the meaning of that permit.

As if they had passed through the court, the Western businessmen were escorted home by officers and soldiers, and then handed over the money in one hand and took the note in the other.

The specific affairs were given to Zheng Duo by bus, and he slapped his ass and went home to sleep.

When he woke up, nearly 300,000 silver had already arrived, and his father-in-law ordered Zheng Duo to withdraw his troops, and then loaded all the silver onto the ship, and asked Stallone to inform them to leave.

It is not advisable to stay here for a long time, and my father-in-law knows that the salt merchants have suffered such a big loss from his old man, and he will not give up.

Although he was an old man with knives and guns, and he was not afraid that the salt merchants would play tricks with him, in order to avoid the loss of the property of innocent people, he still took the first step.

Any summons can be handed to the SAR.

My father-in-law will definitely respond to the lawsuit.

When the fleet sailed out of Yangzhou, the shore and the city wall were full of farewellers, and the sound of firecrackers could be faintly heard at Xiaguan and Xiaodongmen, and the sound of gongs and drums was endless.

This made Stallone even more respectful of St. John Pommerson, an official who can be supported by the people, is God's best gift to this world.

Yangzhou people still have money, don't they need money for whips and firecrackers?

Gonggong Wei felt the sincerity of the people of Yangzhou towards him, so he stood on the bow of the boat and waved towards Yangzhou City.

An hour later, he stood on the bow of the boat again and waved towards Zhenjiang City.

Then the cannon went off.

Cannon blast your mother!

Looking at the head of Zhenjiang City, my father-in-law gritted his teeth.

……

The surgery was successful, and she was hospitalized for about seven days. In the past two days, I have taken time to code words in the Internet café next to the hospital, and I can only do more than one chapter of 4,000 words a day.