Because this kind of thing often happens suddenly, some officials in the court are in a hurry, and the emperor is even more anxious, and he repeatedly asked the minister to find a way, at this time, Bao Zheng, as the Yin of Kaifeng Mansion, put forward Hua Lang's suggestion, but in order to avoid making the ministers of the court and the emperor suspect Hua Lang, Bao Zheng only said that this was obtained by him and Gongsun Ce and other people in Kaifeng Mansion Yin after hard thinking, which Hua Lang had explained in the letter before.

After listening to Bao Zheng's proposal, the emperor agreed again and again, so he immediately distributed it, and only after the money was sent from various places, it began to be implemented, and the troublesome merchants in the capital tried their best to appease.

After Bao Zheng finished talking about these things in the letter, he asked Hua Lang a question, that is, how to appease the merchants.

This is an extremely difficult problem for many officials of the Song Dynasty and the emperor, but this problem is not a problem at all in Hualang, because he knows a truth very well, that is, merchants are not profitable and cannot afford to be early, and the imperial court issues Jiaozi, which obviously harms the interests of these merchants, so as long as they give these merchants a little sweetness, they will naturally not make trouble again.

For this reason, Hua Lang immediately repaired a book and ordered someone to send it to the capital.

The letter reads as follows:

Brother Bao has already understood what Brother Bao is doing, so I offer a plan for this, please think about it; The court exchanged the merchant's silver, and it is understandable that these merchants want to exchange it back as soon as possible, this kind of thing will not drag on for a long time, but if you want to delay it longer, and wait for the court to have capital turnover and then pay them back, there is still a way, that is, to agree with these merchants that the silver money exchanged for Jiaozi will be returned to them after a year, and after returning to them, in addition to the principal, the amount is to repay them a few points of interest, as for the number of points, the specific amount is determined by Brother Bao.

At the beginning, none of these merchants were willing, but under Li Jing'an's coercion and lure, and after finding a few drags to help, in just five or six days, they raised the amount of 500,000 taels that the emperor confessed.

After sending the silver away, they don't have to worry about the next thing, because after the silver is handed over to the capital, the imperial court will send people to make reasonable and full use of the silver, and after a year, the imperial court will return all the silver with interest to the merchants.

But just when Hua Lang and Li Jing'an felt that the matter had passed like this, something suddenly appeared in Chang'an City that Hua Lang did not expect but should have thought of, that is, in Chang'an City, some people were inspired by the imperial court to release money privately in the people, and then charge high interest, in other words, someone gave usury.

In addition to some people lending usury, there are also people who imitate Jiaozi in the private business financing, when Hua Lang found out about this situation, he suddenly felt that the matter was a little serious, these financing or usury people have no credibility as a guarantee, they don't want the court, no matter what, they are able to repay these businessmen money, if these financing people lose their money in the end, then how can they repay those who take out the money?

Of course, this is not serious, the most serious is those who borrow money, they borrow money naturally because they lack money in hand, but the more they borrow money, the more they lack money in their hands, so that the interest rolls around, and they are unable to repay it at all.

As soon as he thought of this, he felt that his method had provided inspiration for some people with ulterior motives, which made him feel very guilty, and after feeling guilty, he felt that he had to crack down on both situations, and they should prohibit those who were people from financing, let alone allow those who lent money to others to lend money to usury.

It's better to say that the ban on financing is a little bit, because these financing people have no economic strength to back it up, so if they say that it is prohibited, it is prohibited, and even if the last of these financing people are dissatisfied and want to appeal, Li Jingan can ask them to show their financial ability, if he really has the ability to repay those who lent them money, then they can finance, but they must bet half of their assets in the government office, so that even if they go bankrupt at the end, The government can also use the money they originally had in the government to compensate those people.

These are the methods that Hua Lang came up with, most of those who financed did not have much money in their hands, and as soon as they were investigated, they were immediately seen by those who were financed, since they saw that the other party did not have strong capital, how could they lend money to these people?

And some people who have money in their hands, when they heard that they wanted to bet half of their assets in the government office, suddenly quit, they don't want to bet their money in the government office.

After the financing thing was cracked down, there were fewer usury, because Hua Lang and Li Jingan found that after those who raised money, they did not say that they were going to do any business, but that they were going to use the money to lend usury, and if they couldn't raise the capital, they would naturally have no capital to lend usury.

However, the loan sharks cannot be eliminated, after all, there are many rich and poor people in the world, the rich need money to make money, and the poor need money, so there is a relationship between supply and demand, this situation can not be eliminated, Li Jingan has no way to do this, and can only stipulate that he will be severely punished if he sees one, so those who give usury slowly go underground.

After some operation, Hua Lang and they came to the conclusion that Hua Lang's proposal was both beneficial and disadvantageous for the Great Song Dynasty, and Hua Lang's proposals were very effective in enriching the treasury, but these methods were learned by those lawless people, but they became their means of making a living, of course, it is not wrong for people to have a means of making a living, but the fault is that they should not use this means to make their own lives and cut off the way of others.

In general, Hanarang's proposal is that the advantages outweigh the disadvantages, and if the management can be strengthened, the disadvantages can be minimized.

After being busy like this, Hua Lang, Wen Meng and the others were tired enough, and at this time, Wen Meng complained a little, saying: "It's a pity that we have been busy for so long, but we haven't reaped any benefits." ”

The others echoed one after another, and they were not court officials holding the court's money, how could they help the court do these things.

Hua Lang didn't have any complaints about this matter, after all, for him, being idle is also idle, and if he can minimize the harm of the imperial court's issuance of Jiaozi, it will be a meritorious thing for the people.