"Xiao Xuan, you can't do this!"
In the Yunshan Villa, Han Lizheng said after listening to what Li Zexuan and Hu Hanyun said quickly: "Xiaoxuan, you may not know the situation of other Zhuangzi. Take Liujiazhuang as an example. Not long after their Zhuangzi merged into your fiefdom, the previous autumn harvest At that time, they still paid the rent according to the previous landlord's requirements. In addition, this year's harvest was generally not good, which made it worse.
Their place is not rich to begin with, and it is good enough to have enough food to eat. If you ask them to get so many oilcloths, even if they sell all the food at home, it will not be enough! Xiaoxuan, since you have thought of this method to help bankers increase their income, you must also want all bankers to benefit from this, right? Therefore, my father-in-law still hopes that you can think carefully about this issue! "
After hearing this, Li Zexuan was silent for a while, secretly thinking that he still took it for granted.
The price of fabrics in the early Tang Dynasty was very cheap. The price of a piece of fine silk was no more than the price of a bucket of rice. That is, you can buy a piece of silk cloth for three or four cents. As for the coarse oilcloth used to build greenhouses, it was even cheaper. The cost of a greenhouse is actually only two to three hundred cents.
Li Zexuan's family owns a ready-made clothing shop, so he naturally knows the current price of cloth in Chang'an City. It is precisely because of this knowledge that he subconsciously thought that the common people should be able to afford the cost of a greenhouse with two to three hundred cents. It is equivalent to several thousand yuan in modern times. If a family squeezes in, they can probably scrape it together.
But he ignored one issue. The degree of exploitation of farmers by landlords in this era is far beyond comparison in modern times. People who cannot afford to eat or wear clothes can be seen everywhere in this era! Is two or three hundred pennies really a small sum? For some families, two to three hundred pennies may be enough to feed their family for a year! !
"What my father-in-law said is that my son-in-law is indeed a bit ill-considered!"
Li Zexuan thought for a moment, admitted his mistake, and continued: "How about this, my son-in-law takes out a thousand gu and puts it with his father-in-law. If the villagers are willing to build greenhouses and are really in trouble at home, they can come and borrow it from my father-in-law." For a sum of money, each household can borrow up to 500 Wen. They don’t need to pay interest, as long as they can pay off the principal within one year! What do you think of this, father-in-law~? "
Regarding capital lending, it is not unique to modern times. This was nothing new in ancient times. Mengchang Jun, one of the four princes of the Warring States Period, was able to support 3,000 customers and recruit talents from all walks of life because of the business of lending money and collecting interest. According to historical documents, one year, the harvest in Xuedi was poor, and many people did not pay interest because of it. Lord Mengchang sent people to collect money, but he still "got one hundred thousand in interest", which shows that the scale of money lending is very large.
In comparison, Li Zexuan is not a loan at all. He is purely doing good deeds. After all, he does not charge interest!
Han Lizheng said with a smile: "That's great! In this way, Xiaoxuan, you are truly working for the benefit of the people~!"
"Hey! Master, you are really kind. The bank in Chang'an City lends money to people, but they still charge 10% interest every month~!"
Old Hu grinned.
To be honest, he was a little tempted by this preferential condition.
Regarding private lending, the Qin and Han Dynasties were the first peak period of usury in Chinese history. After the Tang Dynasty, private lending developed even more rapidly. Various banks and pawnshops were established in the West Market, so it became the earliest financial street in China. .
Of course, in order to curb usury, the imperial court also imposed many restrictions on private lending. It is clearly documented that the legal interest rate at this time was 10% per month and 120% per year. Compared with the Qin and Han Dynasties, where interest was calculated based on compound interest, the imperial court also imposed many restrictions on usury. , this interest rate is relatively friendly, but for ordinary people, this interest rate is still relatively high, so Lao Hu couldn't help but be moved when he heard that Li Zexuan wanted to lend money to bankers without interest.
After all, if you borrow money from a bank, if you borrow 500 Wen, you will have to pay back 600 Wen in one year just in interest. After all, you really get what you borrowed!
Li Zexuan smiled and changed the subject: "Uncle Hu, father-in-law, take a closer look at this greenhouse. If you don't understand anything, you can ask me. In the next few days, this kind of greenhouse will be promoted to all farmers." , I’ll thank you for your hard work then~!”
Han Lizheng nodded and said: "Okay! Lao Hu and I will take a closer look~!"
Although he and Hu Hanyun had some unruly days when they were young, they both worked hard at home and farmed the land, and they were considered out-and-out farmers. Isn't it a piece of cake to imitate others in growing vegetables?
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The next day, Lao Hu went out early in the morning. Today he did not follow the young men from the village into the mountains to serve as a guard. He had a more important thing to do, which was to buy cloth.
If there is no ready-made oilcloth, then buy coarse cloth, then buy some tung oil, and make it yourself at home.
When I went there, the cart was empty, but when I came back, it was filled with a cart full of coarse cloth, and two barrels of tung oil hung on the edge of the cart.
"Oh~! Isn't this Old Hu? Why did you buy so much cloth? Make clothes for your son? That's not right. Why didn't you buy silk cloth when making clothes, but you bought so much coarse cloth?"
On the road, it is always inevitable to meet some acquaintances. Lao Hu usually laughs and says carelessly: "Haha! I am short of firewood at home recently, so I will buy some coarse cloth and burn it~!"
Not being a member of Zhuangzi, Lao Hu was determined not to reveal the secret of cultivating off-season vegetables in greenhouses.
But his response was too shocking.
"Buy coarse cloth and use it as firewood~?"
Everyone who heard Lao Hu's response suspected that Lao Hu's head was burned out. Although the situation of Lao Hu's family has improved a lot this year, they are not so luxurious that they use coarse cloth as firewood, right?
"Damn it! I'm back! Come out and help get things~!"
The road from Chang'an Official Road to Hanjiazhuang was now flat and wide. Lao Hu returned home not long after, and as soon as he entered the yard, he shouted at the top of his lungs.
"Hey, the master is back so soon?"
Liu Yue'e heard the noise and ran out of the house. When she saw the mountains of coarse cloth piled on the oxcart, she was stunned: Master, how much cloth did you buy~? "
Hu Hanyun wiped his sweat and grinned: "Hey! It's only three guan of cloth. The shopkeeper said that if I bought more, I would give more as a gift, so I bought more, no loss at all." What a loss~!"
"Isn't it a loss? What did you say when you left? It only cost two bucks. Now that you have bought such a big car, what will you do with the extra money?"
Liu Yue'e was angry when she heard this.
"What are you doing? Burning! Oh, it's planting vegetables!"
Lao Hu answered this question so many times along the way that he couldn't help but say those two words directly.
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