Chapter 1190 It Is Normal Not to Charge Interest

Yan Jie, who became the county magistrate by virtue of his large family, didn't know that he was being cheated.

He sent people to deliver letters at the post station, and told people to tell the clan that nothing was wrong and keep an eye on the people in Sheyuan County.

See who dares to report, take a small notebook to write it down, and wait until he has made a contribution, and then take care of it all.

Turning around, he took the people in the original yamen to continue to extort the foreign merchants.

At present, he was timid, tried hard to inspect the goods, and extorted them sporadically, usually for things worth hundreds of coins.

Others were even less, grabbing a handful of peppercorns and putting them in their pockets, thinking they had made a profit.

The foreign merchants transported goods in units of ships, and didn't care about a little bit. When they saw people stealing, they didn't express anything except being unhappy in their hearts.

Yan Jie and others were more serious when checking the goods, and tried to be fair.

There was no need to discuss the price. As long as the merchants of the Tang Dynasty brought the goods over, they had to set a unified price.

According to the different categories of specifications and appearance, they exchanged for the other party's different categories of things, and then paid taxes.

The other party used ten tortoises to exchange for one pound of Hang silk, and the two sides exchanged.

After the exchange, the foreign merchants needed to pay an additional tortoise worth three taels and two cents of Hang silk, and the Tang merchants handed over one tortoise.

If the foreign merchants sent food, medicinal materials, and crops that the Tang Dynasty did not have, no tax would be collected, and part of the tax could be offset.

Crops even received high rewards. If there were no crops, living animals that the Tang Dynasty had never seen would also be fine.

In Shiyuan County, where Yan Jie was relieved, Li Feng turned over many cases.

According to the amnesty, even if someone really committed something, if it was not serious, he would still be released.

Some of the others were responsible for supervising road construction, and some took the people into the mountains to find medicinal materials.

The people knew few medicinal materials, only a dozen simple ones, and they would use them for themselves if they had a headache or fever.

For example, the roots of dandelions, the people knew that they could reduce heat and boil water to drink.

The farmers came with atlases to teach the people to recognize medicinal materials, including insects.

Then teach the simple preparation method, gather a batch, and the government will accept it. The price is not low.

There is no middleman. The people of Lijiazhuangzi will accept it and ship it back directly.

After deducting the freight, it is still cheaper than what the merchants send, and the people get more.

Then teach the people to make simple medicines with local herbs, such as snake medicine.

Of course, if you are bitten now, you don’t need to deal with it yourself. Go to the government quickly. There is serum in the government.

The people are learning seriously. No one has taught them things that make money and save lives before.

Other farmers took a clip and a pen to look at every house in the county, looking at the house, the terrain, and the surrounding ditches.

The Yulin Flying Cavalry next to them protected them to avoid being harmed by Yan’s people.

In the evening, the old and young people in the county who did not go to build the road gathered again.

When I went up the mountain today, I found a group of wild boars. The Yulin Flying Cavalry dealt with five of them and let go of a female wild boar and a group of piglets.

The wild boars killed by the musket weighed more than 100 kilograms. After processing and eating the meat, three were sent to the road builders.

The wild boar meat is being stewed, and we have to wait for a while.

Li Feng spoke to the people: "We have several problems in Shiyuan County now. One is that there are few working animals. We went around the county and found that there were only two donkeys and a buffalo except for the Yan family.

The second is that there are few pigs and poultry. Many families don't raise a chicken, not to mention ducks and geese.

The third is that the houses are small and old, and most of them are covered with mud mixed with grass. There is no beam on top, and small wood is used to support the straw curtain and mud.

The fourth is that there are few tools for work. The court has issued a map book, including many kinds of plows."

He said one, and the people nodded, yes, we have these problems now.

Then what? You see the problem, what do you say?

"I thought about it, the main reason is that there is no money. When I say no money, I don't mean that everyone saves, but that everyone can't find a way to make money."

Li Feng concluded that if you have no money, you will have everything.

"Li Mingfu, tell me, how to get money? Whose? Is it the Yan family?" Some people among the people thought they had to take action.

He expressed his support. Today, he saw a musket shooting a wild boar. It was awesome. Killing Yan's people was easier than killing wild boars.

"The country has its own laws. Whether Yan's family has any problems or not, we should deal with it according to the law." Li Feng glanced at the man.

He continued, "There are two ways now. The first is that I will help you find a job that can make money.

When I leave, your money will be enough for you to buy livestock and poultry to raise.

The second way is that I will pay for the livestock and poultry first, and you will borrow them to go home to work and lay eggs and hatch.

Add to that other work, and after a while, you will have money to pay me back."

Li Feng held up two fingers. The second way was faster than the first one. There were livestock to work with, and the speed was fast.

Poultry breeding, chicks, ducks, and geese came out in dozens of days, and by the time of the New Year, they had grown several circles.

"How much interest?" Old man Chen asked loudly. The people looked at each other and finally stared at Li Feng.

"No interest, and buying in large quantities, bargaining with others is cheaper." Li Feng shook his head and refused the interest.

Even if he wants a cent of interest now, the nature has changed.

He is not a gold and silver shop, and he does not lend money. He is a government office.

The government office now has public capital, but the interest rate is very low, and it is not forced. If you are willing to lend, you can lend. If you don’t want to lend, forget it.

It is not allowed to lend after borrowing. The local government does not control it very strictly.

This money is more harmful to the people. The court took out the money and threw it to the state government, requiring the state government to pay a certain interest every month.

At the highest point, the annual interest was equal to the capital, doubled.

The state government can only arrange people to lend money at high interest rates. If it really doesn't work, they force others to borrow.

However, in general, ordinary people borrow money because others charge higher interest rates.

Ordinary people can't eat, so they borrow a few coins to eat for two days and find a way to pay it back at the end of the month.

The interest rate is usually 2.7%, calculated on a daily basis.

One point of interest is 1%, one cent is 1/1000, and the daily interest rate is 2.7/1000. A month is 30 days, which is 8%.

If you borrow 100 coins, you have to pay back 108 coins including principal and interest.

In a year, you have to pay back 196 coins. If you don't pay it back that month, you will be charged compound interest.

If you borrow for a year, you need to pay back 2.518 times, 252 coins, with compound interest.

If you can't pay it back, you will have to take your things or be thrown into jail.

The current interest rate on the capital of the public office is 8% per year, not counting compound interest, and is calculated on a yearly basis.

The people were willing to borrow, and the prefecture was ordered not to raise interest rates privately, let alone lend a large amount of money to a household at one time.

Li Feng had no public capital, and he didn't want to turn a good thing into an act of the government asking the people to borrow.

Now it is not a loan, it is just a loan, without interest.

"Li Mingfu, if you don't charge interest, how will you explain to Li Dongzhu when you go back?" Someone among the people asked.

"It was the owner who told us not to charge interest. My owner makes thousands of strings a day, so this is not a big deal." Li Feng showed off his wealth, showing off for Li Yi.

The people widened their eyes and considered how much thousands of strings were.

One string is one thousand coins, one thousand strings... Why so much? Ten strings is ten thousand coins, one hundred strings...

"It seems that everyone chooses the second one. I will call someone to negotiate the price, and then everyone will take the livestock and poultry home."

Li Feng saw it from the expressions of the people and decided.