After Becoming a Taoist

   Chapter 122 Five Hundred Interest Loans to Qingtian

  Li Dandao put away these new copper coins. It is said that the longer the coins are in circulation, the more aura they are in the prosperous times.

   For example, the money of the small five emperors.

   But in fact, the copper coins that the founding emperor ordered to be cast, the ones that do not circulate in the world, are the most powerful.

   It’s just that the number is very small, and it is extremely difficult to find the surviving materials, so only the next material is used.

   In fact, it is not just copper coins. The so-called Great Wall of the Qin Dynasty or the city bricks of the Epang Palace, and the tiles of the Han Dynasty are all very good raw materials for instruments.

   Even temples, the beams of ancestral halls and the like are very good materials for instruments.

Now these money may not be of much use, but in later generations, the Li dynasty will be completely prosperous, that is, when Li Er's Zhenguan reign, at this time when the dynasty was founded, these small amounts of minted copper coins will get some rare founding countries. luck.

Although    is rare, it is a very good material for practitioners. It belongs to a kind of Xuanqi, or it can be said to be lucky and auspicious.

   Li Fucheng sighed: "I thought it was too rich, so I don't need to look for it, but the money for the medicine was not enough."

  Li Dan said: "I think this person has hanging eyebrows and a gutter in his nose. He should be like a strategist, but his brow bones are not protruding, and the distance between his eyes doesn't seem so festive. It is estimated that his life is not long."

   "Life is not long?" Li Fucheng said: "Even if they don't have enough money, they shouldn't curse others like that."

   "Besides, when will you see the photo?"

   "The appearance is born from the heart, and the blessing comes from myself. I have obtained the heavenly official duty, and the blessing comes to the heart. Naturally, I can see some blessings and misfortunes."

   "Then why don't you remind him?"

   "This naturally has its destiny, I reminded it to no avail."

   "Then how did he die?"

   "Looking at his face, it is the Hongluan Palace that goes to the root of the mountain. It should be a woman."

   "Then look at me!" Li Fucheng looked at Li Dan eagerly and said, "Choose something nice to say."

  Li Dan said, how can he tell this, so he had to say some random things.

   "Father, you are a prosperous wife."

   "I've only heard about the life of a prosperous husband, why haven't I heard of the life of a prosperous wife?" Li Fucheng was curious when he saw Li Dandao snickering.

   Directly a sugar fried chestnut!

  Li Dan's brain is buzzing again.

   Not joking anymore, I made pills for a while, and planned to send them to Tian Wu tomorrow, trying to learn more talisman spells.

   is nothing, and there are no changes in the solar terms recently. There is no wind-cold or wind-heat. Only a few scattered pills were sold, and it was the business brought by Qin Yiping on the other side.

   It can be seen that the bad influence brought by the blackmailing of Li Dan's Taoist family almost wiped out all the flames of Li Dan's worship of Master Sun Zhenren.

  Fortunately, Li Dandao helped solve the case, and soon there will be an official statement to clarify.

   At night, Li Dandao and Li Fucheng went back together.

  Li Qishi also came back with Li Baojing, Li Qishi immediately announced that a small meeting would be held.

   Li Baojing also nodded at the side.

  I saw Li Qi's take out a piece of paper and wrote several names on it, all of whom belonged to the Li family.

   "I discussed it with your father and the clan." Li Qi said.

"I plant medicinal herbs rashly, the old man is upright, and the people of the clan disagree, but if our family can contribute some money together with the clan, make a green loan, give it to these families at a low interest rate, and pay it off within three years, agree to do it.”

  Li Dan asked, "How much money do you have to put?"

"The county government has inquired about it, and the standard for setting up land is 150 yuan per mu for wasteland, 500 yuan per mu for inferior land, 800 yuan for middle field, and 1,500 yuan for upper field, and it must not be bad money. It has to be official money."

"We help them to open up wasteland, but not only wasteland development, but also to take care of their stomachs, so we give them green loans, and they buy fields to get rid of poverty, and then rely on planting medicinal materials to pay us interest, debts, and repay the principal with interest. After that, these fields are completely theirs."

   "That is, we are completely losing money, and the initial investment is very large. Why don't we buy the land directly and hire people to plant it!" Li Fucheng frowned.

  Li Baojing shook his head: "I can't say that, our family has earned a reputation and is worth more than money."

  Li Dandao also nodded: "This is really good, but these names, these people are going to borrow money from us?"

  It is risky to make loans, especially investing in these people is a kind of risky investment. Lending money to them is ungrateful, and you are enemies when you ask for money.

"Zongzheng, there are several elders who are willing to vouch for them. These people are loyal and honest. For example, this Li Guangyuan is a filial son. His family became poor because his parents fell ill and died one after another. Those who can't make a living need to borrow temporarily to slow down."

   "Like this Li Chengguo, he gave birth to four boys in a row, he can't afford to support him, his rations are not enough, and he needs a loan."

  Li Baojing said item by item: "They add up to five people, and the amount of money borrowed varies. The total amount measured is 30,000."

   "How much is the low interest rate?" Li Dan asked.

   "Five hundred."

   is to borrow 10,000 yuan and pay back 10,500 yuan in one month.

   This is actually very high, with 5% monthly interest, 16,000 will be paid back a year.

   However, nowadays private loans are generally double interest, that is, double repayment, borrowing 10,000 yuan, and returning 20,000 yuan.

The Northern Qi Book records that when the Northern Qi minister Lu Shuwu was in his hometown, he "had a thousand grains of grain". Every spring and summer, "the villagers have no food, and they are ordered to take it by themselves." In autumn, everyone returns with the harvest. ".

   shows that the general interest is doubled.

   Therefore, Li Baojing called the "500 interest rate" as a low-interest loan.

  Li Dandao shook his head: "It's too high."

   "Then how much should it be?" Li Fucheng said incredulously, there is no one who lends money, and the interest is too high.

   "A little lower, as low as two points."

  The monthly interest rate of two cents is considered a high interest rate in modern times. The highest interest rate supported by modern laws is the annual interest rate of 36%, which is three cents of the monthly interest rate.

"Two cents? I'm afraid that if we borrow it, our family will die." Li Fucheng sneered: "The largest borrowers in Jingyang County are the Chen clan, and some other big clans, and they are basically repaid at five hundred to double the interest. , you said that two points can be two points?"

   Wang Anshi's reform in the Song Dynasty had such a policy. Low-interest loans touched the interests of the aristocratic family and became a resistance to the reform. After Wang Anshi's reform failed, the low-interest Qingmiao loan was also abolished.

  Zizhitongjian wrote: "The poor must be taken from the home of the righteous, and they will have a double interest."

  "蓰" refers to five times, and "double 蓰's breath" refers to one to several times, especially more than "doubling the breath".

   It can be seen that a major source of income for the feudal aristocracy is loan sharking. In fact, not only the feudal aristocracy, but also Taoist temples and temples like to lend money.

   If Li Dandao breaks the rules, I'm afraid he won't be able to see the sun tomorrow.

   "Profit 500 is already very low, it can't be any lower." Li Baojing said.

  Li Dandao secretly sighed, with such rules, how can the people not suffer? I had to nod: "The 300,000 yuan is released, I hope it will have some effect."

Li Baojing said: "You kid made foreign money a few days ago, it's not easy to do it, and now it's time to spend some money. Once you come and go, the money will be washed clean. We still say double interest to the outside world, and we will share this with them. These borrowers said."

"Um."

  Li Qi said: "So, our family agrees."

   "I agree!" Li Dandao raised his hand, Li Fucheng also raised his hand, and even Yaya raised his hand in agreement.

   "Okay, let's borrow the money!"

   Tomorrow at twelve o'clock

   (end of this chapter)