"I heard that there was a conflict between the Zhou family and a village. Now the two gangs are confronting each other, and there may be a fight."
Yang Qian raised his eyebrows, feeling that the matter was a bit serious.
The local clan power is a force that cannot be ignored. As for the Zhou family, it is just a mid-sized family in a county.
However, this family is very low-key, and they don't usually do anything out of the ordinary, so Yang Qian didn't pay attention to them, and he didn't bother them during the liquidation. From this point of view, Yang Qian is still very principled.
"Yu'er, it's not convenient for me right now. Let him come in and report."
"This~~~ is against etiquette."
"What can I do? I'm very tired today. I finally managed to take a medicated bath comfortably. Now is the critical moment. Let's go quickly."
"yes!"
Not long after, Lao Gao walked in and said with a cup of his hands.
"Your Majesty."
"Well, tell me what's going on."
Lao Gao slowly told the story of the incident. It turned out that there was a village outside the county town, which used to be the private property of a family.
Later, due to the decline of his family, he was redeemed by someone inside.
They have been taking root here since then, but they have a Zhuangzi style and have always liked to borrow money and food on credit.
Logically speaking, their income in recent years has been good, so they should be able to pay it off, but those who borrowed the money have spent all their money in the county.
Now that I can't get the money, I might as well cheat, but the borrower, the Zhou family, is not happy and keeps pressing.
Now that I had no choice, I took the receipt and went to collect the debt. Unexpectedly, the manor was now full of people with the same surname, and thousands of people armed with hoes and other tools were confronting the Zhou family.
The Zhou family only had a few servants, but they were immediately at a disadvantage.
In fact, this money is not much, but it is not much. The Zhou family gritted their teeth and felt that it was nothing to suffer this hidden loss.
If you were an ordinary person, you would probably have to forget about it, but the Zhou family started out as a loan company. If this opportunity is opened, you will no longer be able to work in this industry in the future.
They are all smart people who know that they don’t have to pay back the money they borrow. Who doesn’t want to borrow money? Yang Qian still wants to borrow it.
Yang Qian let out a long sigh, "It means that there are so many people in the manor that they won't pay back the money, right?"
"Yes."
"What do you want them to pay back, and what is the specific interest rate?"
Lao Gao said with a grimace, "It's not just one person, it's a large group of people who borrowed money and food from the Zhou family. They borrowed money and paid back money, and borrowed food and paid back food."
"The interest is not bad, only a few hundred a year."
"Bye? What do you mean?" Yang Qian obviously didn't understand the meaning.
Gao Yushi explained, "If you borrow one stone of grain, you will have to pay back two stone after one year."
"Pfft~~~!"
Yang Qian couldn't help but widen his eyes. Damn it, this, this isn't 100% interest.
"Why is it so high?"
Gao Yushi was stunned and said, "This is not bad. In other places, one stone of food must be repaid four stones a year."
Yang Gan felt numb all over. The capitalists cried when they saw the 300% interest rate, and the Jews were heartbroken after seeing it.
Yang Qian felt it was too harsh and hesitated, "Is this too high?"
"It's not high or not. It usually starts at 50%, and the lowest is 50%. One stone of food will pay back one stone and a half after a year. But such low interest rates are rare now."
"Huh~~!"
Yang Qian breathed out hard and immediately speeded up his beating. Seeing that he didn't speak, Xiao Yu invited Gao Yushi upstairs to wait.
The time for a cup of tea flew by in a blink of an eye. Yang Gan put on some short sleeves and boxers and rushed upstairs.
"Come on, come on, tell me carefully what is going on with this loan interest."
In Yang Qian's last life, except for the house that was financed by a loan, he almost never overdrafted anything else.
But even if it is a loan, the interest rate is only 4.35%. Yang Qian feels that this interest rate is too expensive and he has thrown away a lot of interest in vain.
How many ribs can you eat in a year if you take a break? How many chicken legs can be added?
After Lao Gao's introduction, Yang Qian finally understood that lending had existed in the Central Plains since ancient times, and usury was common.
In the past, during the Yanhuang Dynasty, there were also government agencies that specialized in doing this.
Loans at that time were mainly divided into credit and loans. Credit was mainly for sacrifices and funerals and only required repayment on schedule without interest, while loans were specifically for labor producers.
In fact, in order to stabilize public sentiment and consolidate political power, the Yanhuang Dynasty often issued interest-free loans to the people, which was equivalent to a kind of relief and help. Interest-bearing loans were relatively small.
The primary consideration in calculating interest in the Yanhuang Dynasty was the geographical distance. If you lived in a city, the state would levy one-twentieth of the tax, which means the annual interest rate was 5%. If you lived in the outskirts, you would levy one-tenth of the tax, which increased according to the distance. From this, the annual interest rate ranges from 10% to 20%.
Referring to the legal regulations of Yang Qian's previous life, basically the annual interest rate exceeding 20% is a usury. If you live in the outer suburbs of the Yan and Huang Dynasties, it is equivalent to borrowing a usury from the Emperor of Yan and Huang.
However, in the Yanhuang Dynasty, 20% interest was just the beginning.
During the Spring and Autumn Period and the Warring States Period, with the emergence of gold, the metal currency, the claws of usury extended to the people.
The turmoil, famine and excessive taxation caused by the war overwhelmed the defenseless common people, and the demand for loans increased.
At the same time, wealthy businessmen and bureaucrats who controlled large amounts of wealth became the main lenders.
Although Yang Qian likes history, he only started with weapons.
When Gao Yushi said this, Yang Qian suddenly remembered the several incidents of extermination of Buddhism in history.
It is said that because there was a lot of money, temples were used for surgery, because as many temples in the Tang Dynasty grew stronger, they also had loan businesses.
After Yang Gan slowly sat down, he lit a cigarette, his eyes flashed, and he was obviously making some calculations.
"Currently, how many people are engaged in lending in our county and even Yuntong County as a whole?"
Gao Yushi frowned and thought, "This shouldn't be much."
"That's not right. Our county has a large population. How come no one lends money?"
Gao Yushi scratched his head in embarrassment, "There used to be quite a lot of them. This is not the biggest moneylender. Wei Yangjun was taken care of by the emperor, so..."
Yang Qian suddenly realized that the old boy was hesitating because the biggest guy had been killed by him a long time ago.
Mortgage loans require abundant funds and power, otherwise ordinary people may not be able to do this business.
"In this case, you take the county soldiers and go to the manor outside the city. According to the documents, if anyone dares to cause trouble, I will deal with it. If someone is killed~~~"
Yang Qian paused and said, "Yuntong hasn't seen blood for a long time. Kill some appropriately so that they can improve their memory."
"I understand, I understand." Lao Gao had a cold sweat on his face. Your Majesty is really murderous.
Just when Lao Gao was about to leave, Yang Qian grabbed him and walked him to the door. He whispered, "Let me check who is involved in this business. I want the information of all the lenders."
"promise!"
Although he didn't know what Junshang was going to do, after following Yang Qian for many years, he already felt that a storm was coming.
It seems that life will be difficult for these creditors in the future.
"By the way, are there so many conflicts because of the loan relationship?"
"It's a lot, why not a lot? Normally when times are better, ordinary people won't borrow money. Those who borrow money are merchants who need working capital, and tenant farmers and farmers just borrow grain or grain seeds."
"As for now, it's all chaos. Without Wei Yangjun, your Majesty will continue to support businessmen."
"Is there no collateral for a loan?"
"Mortgage? Why do you need a mortgage? The person who owes you money will not run away. There is no way to lead and you can't leave even if you want to. If it doesn't work, just sell yourself as a slave."
Yang Gan felt that he had found another opportunity to resolve conflicts and make money.
"Lao Gao, does anyone still offer credit on credit?
? "
"Due to the war, the Central Plains has always been unstable, so the credit of the Yanhuang Dynasty has long been cancelled. In addition, the Xia Kingdom is not very friendly to merchants, so the government does not do loan business. Compared with the Xia Kingdom, Shangguo is here It’s relatively developed.”
Rites and music have collapsed, and no one cares about such things anymore.
"You can only fish in troubled waters."
Yang Gan came to his senses, wrote a warrant, stamped it with the official seal and tiger talisman, and said, "Old Gao, the more detailed the investigation within three days, the better~~~!"
"promise!"
Lao Gao walked out of the mansion and had some ideas, when the groom reminded him.
Only then did he come back to his senses.
"Sir, where are you going now?"
"Go to the county seat!!!"
Lao Gao was not an idiot. After receiving Yang Qian's support, he rushed directly towards the county town.
After arriving at the county town, he handed the order to the commander of the city guard, Colonel Ma. Captain Ma immediately ordered five hundred elite soldiers and followed Gao Yushi towards the manor.
Before leaving, you still need to sign the warrant, which is a stub, but it cannot be used twice, it is just a temporary deployment of troops.
The one who calls the shots is Colonel Ma. Gao Yushi does not have the power to command the army, but the two of them need to cooperate. If they don't do it well, they will both be beaten and forced to fight.
When they arrived at the manor, they saw that the two groups had begun to fight.
"Stop, stop~~~!"
Gao Yushi shouted, but it was a pity that the person whose eyes were red from being beaten could not hear other sounds, and he didn't know why. It seemed that the beating was harder than before.
"Captain Ma, quickly, separate them for me~~!"
"promise!"
Captain Ma raised his hand and shouted to the county soldiers on horseback, "Separate them for me. If you are stubborn, I'll beat them."
"No~!"
Five hundred people roared in unison, and in an instant, the fighting team of more than a thousand people gradually regained their sanity.
When they saw the soldiers holding halberds and marching forward in a phalanx, everyone was frightened. Although the Xia people were more tough, everyone was not stupid.
It didn’t take long for them to be separated according to the color of their clothes.
The two groups happened to be at the center of the fire. At the critical moment when they were persuaded to leave, each one of them pointed at the place and spit out sweet things.
"Little arm boy, what are you looking at? Come on, hit me."
"Ah, I'm going to kill you~~~!"
"Just you? I might as well tell you, your mother-in-law, I have tasted it several times, hahahaha~~~!"
