In Du Zhongxiao's previous life, people often said that developed countries were consumer-oriented societies, how developed they were. At every critical moment of reform, an old foreign lady appeared in the media to teach Chinese. For example, old ladies in the United States come out to teach Chinese how to buy a house, people live in a good house all their lives, and pay off the mortgage when they are old. The old Chinese lady lived in a dilapidated house all her life, and at the end of her life, she saved enough money to buy a small house to live in. So the Chinese also followed the student loan to buy a house, took out six wallets together, and finally lived in a big house, and at the same time had a loan to repay for half a lifetime. The old lady in Sweden came out to tell the Chinese what the police were like, and she was going to be taught a lesson by the old lady, a taxpayer. Finally, the Chinese were able to travel to Sweden, met the Swedish police, and were thrown into the cemetery in the middle of the night.

Du Zhongxiao relied on rote memorization to barely get admitted to the Jinshi, and now that he has finally become an official, he no longer thinks about problems as before. Not to mention the example of the police, the national conditions are different, and the Great Song Emperor did not allow officials to do that to shake the foundation of his rule. However, the advanced experience of loans is really the only magic weapon for the imperial court to govern the economy and rule the world.

In the previous life, there was a famous play "The White-Haired Girl", and the class explained the crazy exploitation of the peasants by the ancient landlord class. But Du Zhongxiao is now sitting in this position, and when he analyzes it carefully, he has different content. What is the most serious oppression of tenant Yang Bailao by landlord Huang Shiren? Is it because the rent is too heavy? Actually, no, it's usury. Whether it is a good wind or a natural or man-made disaster, Yang Bailao paid the rent, and the remaining money was not enough to pay off the usury interest anyway. In other words, even if Yang Bailao is taken care of by God, he can't change his fate. From the time he borrowed his first loan shark, his fate was already sealed.

Any sheep eat human sweatshops, they are too low-level, whether it is exploitation or investment and development, it is far less than the means of borrowing. From primitive capitalism to imperialism, financial imperialism is at the highest level, and the rest is just petty fighting.

Whether it is a leather whip to let the workers work, or a small favor to make people work hard, it is not as high as the enthusiasm of people to work with a loan. This step is good for the country and the people, and once the line is crossed, it will become a devil who knocks out the bones and marrow of the entire society. Just like the green seedling loan that Wang Anshi changed in history, it looks very beautiful, but in fact, the people are indispensable for blood and tears.

Du Zhongxiao couldn't say this kind of thing to Liu Jizhi, and if he said it, it violated the basic morality and ethics of Confucianism. He just started with a small-scale pilot from himself, and then slowly improved it, striving to use the legal system to keep this beast in the hands of the imperial court.

Du Zhongxiao snapped his fingers and analyzed his reasons for doing this with Liu Jiyi one by one. Most of these families who came to collect land had no property, almost nothing. The houses they lived in were built by levy and forced labor on the farms that had been built here, and all of them were counted as loans. All agricultural tools, either built or bought by the government, are counted as loans as a price. A few farming cows, the same loans. Even the land reclaimed is also counted as a loan, but no taxes or interest are charged for three years.

The total amount of each family's loan and the interest paid each year are carefully calculated, ensuring that they have no worries about food and clothing, and at the same time, they have a little surplus, which can be used to improve their lives. This kind of life is relatively comfortable compared to the ordinary farmers in the surrounding area.

Liu Ji listened and was stunned for a while before he said, "Why bother so much?" They are all the people under the rule of the imperial court, as long as they live for a few years, what does it matter if they give all those things to the households? It is always not beautiful for people to owe money to the government. ”

Du Zhongxiao shook his head again and again: "The general judgment, the court exempts the interest of the households, and everyone praises the saints." If it's all his own stuff, I'm afraid it's inevitable. Moreover, even if there are unscrupulous children in the households, because the property is owned by the government, they dare not sell it, and there is always a bottom line. Otherwise, I am afraid that there will be those who eat, drink, prostitute and gamble, and sell out the family property in a few years, and it will inevitably lead to mergers. ”

"Makes sense, too." Liu Ji nodded, always feeling that something was wrong.

Du Zhongxiao sighed slightly in his heart, and he didn't say anything. It is very dangerous for peasants to rely on borrowing money to maintain production. Not to mention that in this era, even in his previous life, he had already entered the industrial society, and this kind of production relations still tormented the peasants. The most developed countries are full of large farms, and whenever there is a natural disaster, there are farms that go bankrupt. The wind and rain are smooth, the grain is cheap and hurts the peasants, and some people are still bankrupt. Not to mention another country of more than a billion people, where thousands of peasants commit suicide every year because they cannot afford to repay agricultural loans.

In the final analysis, using capital to control and exploit the peasants is much more subtle and effective than direct exploitation of land rent. Because agriculture is naturally risky, the interest rate on loans is bound to be high, and bankruptcy is simply commonplace. Not to mention that the peasant class can be harvested at any time by means of market manipulation. Since loans replace the savings that the peasants should have, grain prices can be manipulated in a short period of time, and the peasants' savings can be quickly emptied as soon as they rise and fall. Just like Du Zhongxiao in his previous life, if he manipulated the housing price casually, he could empty the savings of the entire society in a short time.

Those who borrowed assets to reclaim the land had crops that the government had to plant. For example, because they are located in saline-alkali land, they are forcibly required to plant sorghum, and the state government collects it to make wine. This is a bulk crop, and the price is better controlled.

Du Zhongxiao's idea is to be operated by the imperial court and local governments, and this market does not dare to be put in the people.

Liu Ji's knowledge structure can't sort out the twists and turns in the middle, and he doesn't bother with it. Recently, as the trial of the Mameng case came to an end, he came to inspect the land reclamation that was beginning to improve.

Reclaiming wasteland and soliciting household registration is one of the most important items in the official examination. If the reclamation is done here, not only Du Zhongxiao will benefit, but the officials in the state will be recorded. Zhizhou Han Yi is a veteran and important minister, and his political achievements are useless to him, and Liu Ji's weight is heavier.

Li Ping'an, Liu Da, and Zhu Liang squatted on the ground, looking at the list posted in front of them, each totaling.

After thinking for a while, Li Ping'an said: "I am going to live in Guanzhuang." Not for anything else, my mother learned to burn incense, always afraid that she would encounter some bad people and make trouble. The Zhuangzi of the government is strict everywhere, and he has been relieved since then. ”

Zhu Quan shook his head again and again: "The government is in charge of everything, everything is in charge, how can we stand it if we are so lazy?" It's better to go over there and find a vacant land and open your own fields to live freely. When I want to catch a fish in my spare time, I can catch a fish if I want to shoot a rabbit, which one cares about me? In the off-season, the tail fish goes to the wharf over there, and finds someone to buy the same fish, taking advantage of some spare money. Brother Liu, do you think this is the truth? ”

Liu Dalian nodded repeatedly: "We are such characters, which one can stand a cat and a dog!" I'm full of energy, and after I've done the work in the field, I can go to the docks to do some odd jobs to earn money! I am such a temperament, if I have no money in my hand, I am like losing my soul, and I can't live in the official village! ”

Li Ping'an was silent for a while, and finally sighed: "You don't have a family to drag you down, so naturally everything you do is good." My mother is old, and everything is for the sake of supporting my mother. That's it, the left and right Zhuangzi are not far away, and we can go our separate ways. ”

Several people discussed it, and when they arrived at the shed where the recruiters were recruited, they each wrote a deed with Hu Zhonghai and agreed to report the next day. Hu Zhonghai looked at Li Ping'an and asked him to go to his Zhuangzi.

Out of the shed, Zhu Liang said: "Today, we have a livelihood, so we will cook these chickens and drink two bowls of wine to rest!" ”