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Wei Zheng thought about it again and replied firmly: "It is true that it was not mentioned, at that time, His Royal Highness only said that the agricultural tax reform would be implemented in three years, and the trial implementation of Jiangnan Province and Huainan Province was only mentioned after returning to the Five Mansions, and this minister remembers it very clearly." ” "Is there a matter of exchanging land in Gangnam Province?"
"I haven't heard of it."
In fact, this answer is expected, the fields in the south of the Yangtze River are basically under the control of the government, and a large number of captives are cultivated.
Jiangnan Jingzhuang has basically become a workshop employee, and only a small number of old, weak, sick and disabled people are still foraging in the fields.
And several older families started with Li Mu's construction of water conservancy for Qiantang and went to Li Mu's side.
In addition, Li Muguan is getting bigger and bigger now.
Therefore, for no special reason, it is difficult to be co-opted by someone with a heart.
Thinking of this, Li Mu's eyes lit up, "That's fine." ” "Your Highness has a way to deal with it" Li Mudao: "Dare to ask the princes, what is the original intention of the family to buy the land?"
Han Zhongliang said: "It's nothing more than interests. ” "No, not exactly, judging from this incident, someone deliberately leaked secrets, which led to a frenzy of land grabbing everywhere, which caused the New Deal to die halfway.
Therefore, their original intentions are twofold, interests are naturally the first priority, and cracking down on and containing the New Deal is also the focus.
Ma Zhou analyzed.
Li Mu nodded: "King Bin is right, but there is one more thing that the two of you haven't said."
After the popularity of the workshop in the past few years, the Maison has been expanding the workshop frantically, and as long as there is spare money in hand, they have been added to the workshop.
It stands to reason that they should have no money left over, but why do they suddenly have so much money to rush to buy and raise the price of land?"
Han Zhongliang was stunned, "Could it be a loan" Li Mu immediately nodded and said, "That's right, it's been half a month, and Han Xiang should have heard of it." ” Han Zhongliang nodded and said: "This is true, the branches in various places have suddenly increased their loans in the past half a month, and the minister thought that it was caused by the need to buy raw materials for workshops around the country in the New Year.
Now that he has been reminded by His Royal Highness, it turned out to be caused by a loan from a wealthy family. ” Li Mu said: "According to the laws of the bank, collateral is required for loans, and there should be no violation of this regulation."
Han Zhongliang said: "Your Highness, rest assured, there will never be illegal loans under the rule of the ministers." ” "Then there's a way."
Li Mu gritted his teeth and said, "Since they are looking for their own death, then don't blame this king for being ruthless." ” Han Zhongliang looked at Wei Zheng inexplicably, and then at Ma Zhou.
But Wei Zheng and the others are also the second monks, and they are confused.
Han Zhongliang had no choice but to ask: "Can Your Highness solve the doubts of the ministers?"
Li Mu looked at these three henchmen and didn't want to hide what they meant.
"The princes should know that loans require interest, and the adjustment of bank interest is in the hands of Han Xiang, the chief administrator, and there is no need to inform the imperial court.
So what will happen if the interest rate is raised to a point that is intolerable to the Maison?"
Han Zhongliang replied: "Either pay back the money or confiscate the collateral." ” Speaking of this, Han Zhongliang suddenly understood Li Mu's intentions, "Your Highness is saying that the wealthy families who forced the loan to spit out the loan" "That's right.
As long as they lose the financial support, they will naturally lose the capital to compete for the land. ” Han Zhongliang said in horror: "But in this way, I'm afraid that nine times out of ten, the family will go bankrupt." ” This is true, the family has no cash in their hands, and most of them use the workshop as collateral to borrow money from the bank.
In order to promote the development of business, Li Mu originally set the annual interest rate of the loan at 10%.
It is not a high profit, this era of commerce is not as developed as later generations, the profit of goods is beyond the imagination of later generations, often there is one or several times the gross profit, transportation difficulties, large losses are the key.
If the trade of one or two percent of the gross profit in later generations is definitely a loss-making trade in Datang.
As long as the interest rate is increased to 50%, within a year, the family will go bankrupt one by one.
Because they can't afford to pay it back, borrow a hundred, pay back a hundred and fifty, although the world is big, but few can stand it.
It's really not dead yet, Li Mu doesn't mind raising the interest even higher.
What's more, most of the family's family business is in kind, that is, fixed assets, and there is a lack of cash.
So, as long as the bank performs this nirvana, then everything will be in tatters.
This is also the reason why Han Zhongliang is terrifying.
Ma Zhou asked: "Your Highness, if the family hires people to plant the fields, sell the grain after harvesting, and then make up some of it themselves, maybe they can pay it back, after all, as long as it lasts for a year, Your Highness will implement agricultural tax reform throughout the country." ” "It's okay, didn't we discuss that only Gangnam Province and Huainan Province will implement it, and now when the decree is promulgated, it will be changed to only Gangnam Province for trial.
As a result, expectations will be disappointed, and many small families will begin to sell their land due to the increase in bank interest rates. ” Ma Zhou nodded repeatedly.
But Li Mu was obviously not satisfied with this, he had indeed been provoked.
"Duke Wei, there is still one thing in the decree that needs to be changed."
"Your Highness, please speak."
"After the reduction or exemption of agricultural taxes, except for 40 percent of the grain left for personal use, the remaining 60 percent must be sold to the government at the current price, and violators will be punished for the crime of smuggling."
Wei Zheng was stunned for a moment, "Dare to ask Your Highness, what is the crime of smuggling?"
Li Mu rolled his eyes and said, "It's made up." ” "How to punish that" "Confiscate the grain and double the fine."
Wei Zheng nodded hurriedly when he heard this, for fear that Li Mu would say that there would be no forgiveness for killing.
Just kidding, if the peasants sell the grain they grow, if they are still guilty of killing their heads, then the government will really become a bad government.
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Li Mu glanced at Wei Zheng and said, "Wei Zheng, don't worry, this is just an expedient measure, when the situation is balanced, Gu will naturally relax slowly."
The people have forty percent of the grain for their own use, which will not cause much loss, and besides, the government buys it at the current price, who sells it is not selling."
Wei Zheng nodded and said, "Your Highness is thoughtful, and the minister has no objections. ” In fact, by this time, the three of them understood Li Mu's intentions.
First raise the interest rate, deter and force the family's psychological defense.
Then a decree was issued that Gangnam Province would only be tried on a trial basis, and expectations were lowered in order to force the small families with weak resistance to take the lead in selling off their fields.
In the end, the retreat was cut off, that is, the grain government purchased it in a unified manner, completely dispelling the idea of the family hoarding grain.
In this way, the real implementation of the new policy in the whole country will have to wait until next year, and the output of one year will take time, and the family will need to hoard land for nearly two years, and the interest cost in these two years is equivalent to doubling the capital, that is to say, after two years of anxiety, if the land price doubles, it is only to protect the capital.
But the problem is that the interest rate of the bank is in the hands of Han Zhongliang, that is, Li Mu.
The family has no right to speak, and if it is not satisfied, it can only choose to repay the loan early.
But the problem is that the land is hoarded in hand and has not been realized, so where can I raise cash?
Wei Zheng, Han Zhongliang, and Ma Zhou's eyes were full of admiration and horror when they looked at Li Mu
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