As soon as the theory of self-conceit came out, this kind of narrative and storytelling, the language is easy, but the idea is extremely ancient, and it was immediately loved and praised by readers all over the world, and it suddenly became popular all over the country, forming a school of its own.

Readers began to advocate that the words of the article should reach the meaning, and that the intention should be re-established and the words should be thin.

There are also many people in this faction who imitate the theory of disadvantage and write a lot of articles, several of which are said to have been carried forward. Even the three brothers of the Yuan family also copied the theory of disadvantages and wrote a lot of articles.

Since ancient times, the literati have been inferior to each other, and there are some sour literati who say that the 'Cao Cheating Theory' is just a work of the time, so it has such a reputation, and if it is placed in these later articles, it is not outstanding.

However, when these articles were compared with today's persuasive agricultural literature, they were immediately judged.

"In any case, seeing is believing."

The three of them glanced at each other, and then despite the heavy rain, they crowded to the front of the billboard, but saw that the signature read, 'Lin Yanchao, the governor of the Guide Mansion and the Governor's Office'.

Sure enough.

The three of them were silent for a long time, the rain had eased, and they only heard the sound of water on the hillside.

Yuan Zongdao sighed: "What is the Riba people, the spring and white snow, the text of the three elements of the forest, I know that we are all frogs at the bottom of the well!" ”

The other two agreed.

Just when Yuan Zongdao sighed.

Next to the government office of Guide Mansion, in front of a small building facing the street, I saw the golden dragon dancing and the firecrackers rang out.

A hundred strings of firecrackers were set off one after another, and the people in those scenes were only nominated for the gold list of scholars, or when they were at the Chenghuang Temple Fair.

Tongzhi Lin Yanchao and the three general judges in the house, the magistrate, and the magistrate of Shangqiu County all stood in front of the small building.

Looking at this jubilant scene of gongs and drums ringing in unison, Lin Yanchao couldn't help but nodded.

There were two squires standing beside Lin Yanchao. One squire wore a silk shirt and had a big belly, while the other squire wore a scribe's shirt and was suave. There are also Chen Xinggui, Zhang Haoyuan and other two friends of Lin Yanchao, who are wearing the clothes of the shopkeeper.

Behind the officials and squires, there were also chiefs from Shangqiu County, a total of fifty or sixty people, who were watching the ceremony.

After a period of excitement, Lin Yanchao lifted the plaque on the small building, but saw that there were four big words written on it: 'Farmer's Money Village'.

The chiefs of each Jiali looked at the four words of the farmer's bank, and they were all speculating there, what does this farmer's money village mean?

As soon as the plaque was revealed, Lin Yanchao said: "This official has set up a banquet in the building, and all the villagers will go to the banquet together." ”

The elders all bowed their hands and said, "Thank you, Sima." ”

So after everyone entered the house, they each sat down, and the banquet was lined up for ten tables, except for the five tables where the chiefs sit, four tables were local officials and officials, and one table was two squires, as well as Chen Xinggui and Zhang Haoyuan.

Lin Yanchao picked up the wine glass and came to the crowd and said, "Everyone has come from afar, this official toasts you with a glass of wine!" ”

Seeing this, everyone did not dare to slack off, and got up to drink it.

Lin Yanchao drank three cups in a row, and then said to everyone: "Please come here today, not for anything else, just for the opening of this farmer's bank." Do you know what this farmer's money bank means? ”

"Agriculture is crops, and the imperial court regards agriculture as the foundation of the country. And business is money, money cannot be eaten or clothed, so business is the end of the country. The imperial court has always emphasized agriculture and suppressed business, but the official did not think so. ”

After Lin Yanchao's words, there was a discussion among everyone.

As early as the Southern Song Dynasty, Chen Liang and Ye Shi, the pioneers of the study of merit, put forward the concept of 'trade and benefiting workers', which clearly opposed the 'emphasis on agriculture and suppression of commerce' that Legalism and science have always advocated.

At this time, a lieutenant chief asked: "Master Sima, the grass people dare to ask, agriculture is the foundation, business is the end, if the business is heavy and the agriculture is suppressed, is it not putting the cart before the horse?" ”

The chief here said, the people below are sweating for him, and the master of the house is talking about the truth, you dare to question it face to face, you are not afraid of angering others, there will be no good fruit to eat in the future.

saw Lin Yanchao smiled and said, "What's your name?" Which township is the mayor? ”

Some people said that they were done, and this was to settle accounts after the autumn.

The chief there was a bold man, stood up and said: "Back to Sima, the grass people are the chief of the Shen family in Yonghe Township, and they have also been admitted to the Tongsheng examination in the past. ”

Lin Yanchao nodded and said, "Good question, come here, reward him with a pot of wine." ”

The chief was rewarded with a pot of wine, and he was surprised and delighted. But seeing Lin Yanchao said with a smile: "In the past, Fan Wenzheng once said, 'What is the crime of my business, and the gentleman is ashamed of being a neighbor.'" It can be seen that the world's prejudice against business has a long history. What this fellow said is not to put the cart before the horse, which is good, but putting the cart before the horse does not mean that the cart is the same as repressing the bottom. ”

"The country is not stable without agriculture, there is no business and no wealth, in the eyes of the official, it is not to suppress the end with the foundation, but to increase the foundation at the end. The farmer's money village is for the purpose of the rich peasants. ”

When the lieutenant heard this, he said happily: "What Sima said, the small people obey." ”

At this time, the chief on the side, seeing that the person who had just questioned Lin Yanchao was rewarded, so they all became bold.

At this time, a civil official got up, this person is a county scholar in Shangqiu County, and he is very famous among the scholars of Shangqiu, this person said: "Sima's book of persuasion to agriculture, the lower officials have read it, and it is written brilliantly, which is amazing. However, it is said that the rich peasants are businessmen, and Wang Anshi's green seedling method is used, and the lower officials cannot agree. ”

Lin Yanchao said: "Please Mr. make it clear." ”

The county school is a school official, so Lin Yanchao does not call him an official, but calls him a gentleman to show respect.

Xuezheng Zhengse said: "Wang Anshi is the first fool in ancient and modern times, he once said that I have more than enough to dominate the world." However, I don't know that the four seas are not small, and the ruling is not the responsibility of the governor. The decline of Zhao and Song was caused by his change. ”

"And Wang Anshi's change of law, with the green seedling method is the most harmful, if it is Sima said, to the rich peasants, if it is the practice of the green seedling law, then the lower officials cannot agree."

The status of Wang Anshi in the Song Dynasty has always been very low in the hearts of readers, thinking that his change is to mess around. It wasn't until the end of the Qing Dynasty that someone read the case for him.

However, the Southern Song Dynasty's merit study inevitably has some meaning of 'Wang Anshi's remnants'. The purpose of the Shigong school is Wang Anshi's sentence 'for the use of the world and the country'. Lin Yanchao was originally in the Taoist theory of merit, and he originally brought Wang Anshi in, inheriting Dong Zhongshu at the top, Chen Liang and Ye Shi at the bottom.

But Wang Anshi's reform was unsuccessful after all, so Lin Yanchao did not include him in the Taoist system.

In fact, Wang Anshi's 'Seedlings Law' is indeed improperly implemented and people's livelihood has changed drastically, but it does not mean that the Seedlings Law is an inferior law.

Before Lin Yanchao's crossing, when Yunus, a Bangladeshi, won the Nobel Peace Prize, the Chinese people joked: "If Wang Anshi succeeded in changing the law 900 years ago, it would not be Yunus's turn to win this year's Nobel Peace Prize." ’

Yunus was awarded the Peace Prize for founding the Bangladesh Rural Bank, which is dedicated to lending to poor farmers and helping millions of poor people.

The same is true of Wang Anshi's Qingmiao method, but why did Yunus succeed and the Qingmiao method failed? This has long been a foregone conclusion, because the BIBS law is operated by the government, and as long as the government operates, there will be many drawbacks, but the Bangladesh Rural Bank is a private bank, and there is no administrative interference.

Lin Yanchao questioned Xuezheng and said respectfully: "What Mr. said is reasonable, this Qingmiao method is different from the Qingmiao method in the past, please listen to Lin's words." ”

Xuezheng said: "The lower officials are willing to listen to it." ”

Lin Yanchao said: "This new green seedling method is what this official thinks from the company. Do you know why the imperial court did not lend rice to the people from the official warehouse, but let the people raise their own grain and rice from the people, and build a community warehouse to help each other? ”

Everyone didn't say anything when they heard this, but they knew it in their hearts that they were not afraid that the officials would be corrupt and put their hands on it. Instead of pinning our hopes on the ethics of officials, we ordinary people should believe in the covenant chief and the township covenant, they are at least fellow villagers.

Compared with Wang Anshi's Qingmiao method and Zhu Xi's Shecang, I have to admit that Shecang is much more reliable than Qingmiao method. Zhu Xi criticized the Qingmiao Law, saying that the Qingmiao Law was practiced by officials rather than villagers and gentlemen.

To put it simply, the Seedlings Law is practiced in lawsuits, and the owners of the social warehouse are in the countryside.

Therefore, the Shecang replaced the Qingmiao Law, which was vigorously promoted in the Ming Dynasty for more than 200 years, and in the Qing Dynasty, it was mandatory for every local official to popularize the Shecang system to the people.

Lin Yanchao said: "Everyone knows the disadvantages and pros, the Shecang Law is from the Qingmiao Law, but it is not lent by the imperial court, but by the large households in the township, or the people raise surplus grain, which is good, but it is feasible for one township and one place, but it is difficult to promote the whole government." For example, only six townships in Shangqiu County have set up community warehouses, and there are no community warehouses, how can the people survive the spring famine? ”

"And why is the imperial court so vigorously promoting Shecang, but there are few civil responders?"

The chiefs were speechless, because it was also very difficult for the Shecang.

Who's in charge of the warehouse?

Officials, the poor are certainly not considered, only those who are well-off, but who have good character, are afraid of being affected and avoided, and as for the treacherous people, the people do not trust them.

But that's not all, the most disgusting thing is that the local government often uses various names to embezzle the social grain in the people's social warehouse, and in the end it still can't escape administrative intervention.

Therefore, the community warehouse system is good, but except for those who really share worries for the country and express difficulties for the people, such scholars or officials who are grateful for the world, the people are unwilling to come forward to organize the community warehouse.

Xuezheng asked: "Then dare to ask Sima, who is the main business of this agricultural merchant bank?" How much interest does the young seedlings lend to the people? ”

Lin Yanchao smiled. At the moment, he said: "This official comes to introduce one or two, the farmer's money village is owned by this Peng Yuanwai and Hou Yuanwai." ”

After Lin Yanchao finished speaking, the two squires stood up and clenched their fists to everyone.

The chief of the congregation discussed: "Isn't this Xia Yi's Peng Yuanwai?" When I heard that his family's money was drowning. ”

"I know outside this Hou member, our Shangqiu family, there are a lot of people in the family."

"The money of these two outsiders is enough to buy half of Shangqiu City."

Lin Yanchao said with a smile: "The two members are rich and benevolent, good at charity, and have done a lot of good things for the township on weekdays. ”

Peng Yuanwai, who was wearing a silk shirt, hugged his fists in all directions and said: "Fellow villagers, this member is also entrusted by Lord Tongzhi to set up a money bank. One takes care of the villagers and treats everyone well, and the other is also their own small business. ”

The chief below listened and said: "Peng Yuanwai is a great benevolent person, we all know it, let's just say how much you are willing to borrow and how long to give it to everyone." ”

A lieutenant said: "What do you mean to borrow for a long time, is the Peng family still short of that bit of silver?" Are you still in a hurry? ”

"Yes, in the past, when there was a big flood, the Peng family and the Hou family often helped our villagers."

"My surname is Hou, and I was a family five hundred years ago, so I borrowed some money from Hou Yuanwai and counted it as our own brother."

"As poor as you are, you still have relatives with the Houyuan, and you don't pee and take pictures."

The man sneered at each other: "Why am I not related to Hou Yuanwai, and I am not related to you, could it be that you are my brother-in-law?" ”

The elders of the congregation started a meat joke while talking, and everyone is also very cunning, you say a word, I will block the words of Peng Yuanwai and Hou Yuanwai one by one.

The implication is that your Penghou family is so rich, everyone is a villager, and they are so familiar with each other, you are embarrassed to ask us for interest.

Peng Yuanwai, Hou Yuanwai glanced at each other, what is the name of fighting Mi Qiu, Shengmi En? This time, they were entrusted by Lin Yanchao to host the money bank, which not only had the intention of making a fortune, but also had the intention of benefiting the people in their hometown.

But these people would only ask them to borrow for nothing.

At this time, Lin Yanchao came forward and said solemnly: "Yes, Peng Yuanwai and Hou Yuanwai used to have good disaster relief, but they can't be asked to take out their net worth and provide disaster relief every year." Whose money is not blown by the wind. ”

Lin Yanchao spoke, and the elders didn't dare to squeak.

Lin Yanchao said: "This official has borrowed money in the past, and of course he also knows that when borrowing money, three points of interest is not as good as two points of interest, two points of interest is not as good as borrowing for nothing, and of course borrowing for nothing is better than taking it for nothing." ”

"But my brother settles the account, you don't pay back the money you borrowed, everyone is willing to lend you money! If no one is willing to borrow, you can only ask the big households how much they have to borrow, as little as five cents, as much as eight or nine cents, and if you borrow from them, you will lose your family, and you will not be able to repay the sale of your sons and daughters. ”

Seeing this, the Hou Yuan went out and said: "Sima is right, I have discussed with Peng Yuanwai, and our farmer's money village will lend you twenty or five." Let's think about it, where is it cost-effective to borrow? ”

Peng Yuanwai said: "Yes, as long as there is a field at home and a five-person joint guarantee, our farmer's money village will give a loan." From tomorrow onwards, as long as the family has a field and there are five people as a guarantee, they can borrow money with the land deed and the guarantee book to the money bank for mortgage. ”

The interest rate of twenty or five is indeed not high, but there is a mortgage to explain that if the borrowed money is not repaid, then the land will be gone.

A lieutenant chief asked, "What if there is no land at home and no one to guarantee it?" ”

At this time, Lin Yanchao came forward and said: "There is no land at home, and no one will give you a guarantee, if you have the strength, then the money can also be given to you first, but people have to go to the army to repair the river." Eat and drink for you, after five months of working by the Yellow River, the government gave this money for you, and you don't have to pay it back! ”

After Lin Yanchao finished speaking, the room burst into applause.

Not only the mayors, but even the officials applauded excitedly and nodded their heads one after another.

"Well said, this is for our people."

"After waiting for so long, the imperial court has finally sent a good official to our guide."

"It's really Lin Qingtian!"

The applause lasted for a long time, and many of the lieutenants had tears in their eyes, and they still refused to stop clapping their palms red.