In the evening, Yu Wen Wen, who had dissipated his alcohol, sat alone in the tent and began to think about how to deal with new enemies. The so-called enemy is not an army with strong sternness, but specifically, an unscrupulous landlord who took advantage of natural disasters and man-made disasters to acquire land.

Yuwen Wen picked up a thick stack of information on the desk and carefully looked it out.

There are a lot of information recorded in the data, which is collected through various channels. It mainly includes the people's livelihood overview of the prefectures and counties in Henan and Huaibei. Yuwen has already had a rough understanding of it before. To be honest, the prospects for people's livelihood in many places are not optimistic in the coming year.

War is a stage for military generals to become famous, but for ordinary people, it is a dining table full of cups.

Especially the civil war, it was really a man-made disaster. Many civilians were conscripted and served in the military without receiving decent training. If there was a big deal of things, it would be like the pillars of the family collapsed, and the family would be finished.

If a war is to be fought, rent and transfer will still be collected. It is not enough for ordinary people to send people out, and they have to pay rent and transfer to maintain the military supplies ahead. Therefore, the rent and transfer in that year will be charged more.

However, the strong labor force was recruited to serve in the army, and the elderly, young, women and children at home had to go out together to work in the fields, and even if they were sick, they had to do it.

After surviving the autumn harvest, if the year is good and the harvest is good, the income will be deducted from the rent and adjustment you should pay, and repay the debt, which means you can have food and clothing. If someone at home is sick, you have to hire a doctor and buy medicine. The income for a year will not be much left.

If the year is not good, the harvest is bad, and the government cannot pay enough rent and transfers, then the clerk will be sucked by the bones and marrow, and life is worse than death.

In any case, seeds must be sown in the beginning of spring, and for many civilians, they do not have the financial resources to purchase enough seeds, so the ancient road's warm-hearted usury... the great charity came to help.

If ordinary people get involved in usury, they will die. Even if they have a lucky harvest and barely pay off their debts, they still have no money or food left. They still have to borrow next year. Then there will always be a bad luck and then they will not pay them back, so they borrow new debts to pay them back.

The debts are increasing, and the profits are rising. In the latest two or three years, the debts owed will not be paid back in several lifetimes.

Therefore, for those unscrupulous and powerful people, natural disasters and man-made disasters are the best time for their land to merge. The main method they use is to lend usury, or bribe officials, and turn the fields that self-cultivated farmers temporarily abandoned for escaping wars and natural disasters into their own possessions.

The situation of usury and land acquisition has been like this for thousands of years and has been very ancient but effective means.

This is something that Yuwen Wen cannot tolerate.

Self-cultivated farmers who pay rent and taxes normally are the foundation of the country and an important tax base. If local tyrants and large households are allowed to engage in land mergers in the form of usury, it will lead to a sharp decline in the treasury income and cause a series of serious problems.

It’s like a person who has parasites on his body but ignores it. He will inevitably lose weight quickly, and all organs fail and die without treatment.

Now, there are already bad signs in Huaibei and Henan.

It is winter now, and for the past six months, the wars are in Henan and Huaibei. People everywhere are under heavy burden. The male members of the family have not returned to the army or even died. The spring plowing in the next year has not been settled. The wealthy households and even temples are ready to make a fortune and want to take advantage of the beginning of spring next year.

In autumn, they can easily harvest a lot of land.

Most of these lands may not be rented to the government.

Yuwen Wen could not tolerate such a thing. As the marshal, he recaptured Huaibei and Henan prefectures and counties, and was responsible for keeping the town. In fact, he was the highest administrative official in these areas (for the time being).

Therefore, he would never sit idly by and watch the powerful people everywhere, and the large households use usury to harm the people, and take advantage of the war to carry out land annexation.

The clock walked to about six o'clock, and the guards came in and reported that several "appointments" guests were asking for a visit outside. With Yuwen Wen's approval, the guards led people in.

Several men in public clothes came in and saluted Yuwen Wen. Although they were signaled by the King of Xiyang to sit down, no one sat down and stood with his hands behind his back.

The King of Xiyang is an official, a prince, and has a noble status, while they are just a villain, and there is a difference between high and low.

Yuwen Wen didn't say much, picked up the thick stack of information in his hand, sang it, and asked, "These information are all collected by everyone with great effort. I think I have read the content, right?"

Everyone replied in unison: "Go back to the king, the grass people have already seen it."

"Very good. I will submit a report to the court, requesting the reduction and exemption of Huaibei and Henan provinces and counties in the next year, and will last for three years from the next year to allow the people to recuperate. The emperor is wise and loves the people as his son, so this matter is likely to be accomplished."

"The Rixingchang Guifang will carry out youth loan business in Huaibei and Henan before the start of spring plowing. The task is very arduous and the risk is very high. Do you have the confidence to do it well?"

"Back to the king, Caomin is confident to do it well!"

Yuwen Wen later said: "The low interest rate of Qingmiao Loan is beneficial to the people's loan and is conducive to farmers' spring farming. It should have been tried and promoted slowly in a few years. This is a safe plan."

"But the situation is different. Nowadays, all parts of Henan and Huaibei will have to plow spring next year. People everywhere suffer from war and have difficulty living. They cannot continue to plow spring, so they must borrow money. If they are involved in usury, their families will be ruined!"

"The government will strictly prohibit usury, but just saying it is useless, the demand for borrowing will still exist and will be very strong. Then, the big players led by Rixingchang will provide low-interest loans to the people!"

"Rixingchang has no foundation in various parts of Huaibei, Henan and is responsible for implementing Qingmiao Loan as soon as it starts. The risk is very high. If it is screwed up, it will not hurt the bones, and the reputation will be ruined."

"But this is not the reason why Nixingchang is timid! If Nixingchang dares not fight, he will lose an excellent opportunity to expand his strength. Henan and Huaibei are ready to develop. As long as he survives this or two years, Nixingchang's scale and strength will have a fundamental increase."

"But in this way, Rixingchang, who has issued Qingmiao loans, will cut off the wealth of wealthy households in various places."

Speaking of this, Yuwen Wen looked at a middle-aged man in front of him. This man was the backbone of Rixingchang's business and led a group of backbones to expand his business in Xintiandi. Yuwen Wen looked at him and asked:

"As the saying goes, cutting off people's wealth is like killing parents. You can easily arouse so-called public outrage, and even officials from various government offices will hate you to the core!"

"It is very likely that one day, you will be killed by someone, and you can't even find the corpse. Are you afraid of such a risk?"

The man solemnly answered "Not afraid", and the others then whispered "Not afraid!"

Since Rixingchang dared to eat this bowl of rice, of course he had some means. It was not smooth to conduct business in Jingxiang before. The shopkeepers had all had experience and knew how to use both soft and hard skills, not to mention that they had "friends" who could "rescue the world".

Not to mention anything else, Huangzhou's major deceased businesses and slave captive teams will provide various "special services", such as men who assassinate alone, or bandits who suddenly appear and disappear out of thin air after destroying their entire family.

Yuwen Wen nodded and looked at the people in front of him, just like looking at the marching generals and the main generals in the central army tent. He stood up and clapped his hands: "Not bad, not bad!"

"You should not have the intention to harm others. If you have money, everyone will make money together. If there are local big players who are willing to cooperate, of course you should welcome them; but you must be careful of others. It doesn't matter who doesn't want to cooperate. But if anyone dares to cause trouble or cause trouble, it is the enemy!"

"This is another battlefield. You are my generals. If any enemy who stands in front of you does not give way, you will take your troops and horses and kill them all!"

"If they dare to kill one of you, you will kill ten of them to pay for your life!"

"Whoever dares to provoke trouble, you will let his whole family die. Even if the matter is serious, you won't be afraid!"
Chapter completed!