: The spring of the fourth year of Kaiyuan, Qingmiao Fa, seems particularly cold.

It was snowing heavily in Luoyang City, and it took more than three days to fall, and many houses in the city collapsed.

The new Luoyang Prefecture Chief Changsun Wuji ordered the young and strong in the city to send out a full range of movement to help remove snow and save people, while resettling the affected people. At the same time, he also asked Jinwu Guard for help.

The emperor sent the Jinwu Guards, who were in charge of the capital's security, to help with disaster relief, and also transferred the Northern Ya Imperial Army and the Inner Army to dispatch.

Due to timely rescue and resettlement, although there were many people in the city who suffered disasters and many houses collapsed, only a dozen people were crushed and starved to death. It has to be said that this was almost a miracle.

At the court meeting, the emperor greatly appreciated the newly appointed prefect of Luoyang.

After the court came to court, the emperor summoned Changsun Wuji, the prefect of Luoyang, and Gao Shilian, the doctor of the Ministry of Rites, in the 100-year-old palace.

After listening to the latest situation reported by Changsun Wuji, Luo Cheng was very satisfied. The snow finally stopped slowly and the disaster was controlled. The treasury pulled out a large amount of firewood and charcoal to help the people, and many people with damaged houses were also transferred to safe places. Everyone finally survived.

"There are soldiers from the Imperial Army and the State Council in the city to help, but the situation is good. However, more than 20 counties outside Luoyang City have also received timely assistance?"

As the prefect of Luoyang and a third-rank official, the young Changsun Wuji was not only responsible for the city, but also for more than 20 counties outside the city. He was the chief of more than one million people, and his palms and backs were full of flesh.

"When you go back to your Majesty, the situation reported by all counties is very good. Luoyang Prefecture has dispatched all the troops, county soldiers and township regiments, and militias to help the disaster. Everyone works together and performs very well."

Luo Cheng nodded with satisfaction.

The disaster occurs every year, and the key lies in the organizational rescue capabilities of the court and local governments. The most important thing about Luoyang Prefecture's outstanding performance this time is not entirely due to Changsun Wuji's contribution, but the court has a plan before. Therefore, when the disaster occurs, governments at all levels can implement the plan according to the plan and on a regular basis.

The good thing about Changsun Wuji's performance is that he has strong execution ability, good plans, and good execution, so everything is very good.

"Although the snow is about to stop, we still cannot be careless. It is said that the snow does not cool down and the snow freezes. We must do a good job of preventing cold and anti-freezing, especially for those who are alone and disabled, and we must take good care of it. The officials in Luoyang Prefecture should go to various counties to take charge of the work. The county should also send officials to the countryside to take charge of the work, and the townships should also send officials to the villages. It is necessary to form a layer of contract, with a dedicated person responsible for it, and be sure not to freeze one person to death or starve one person to death in the snow."

The practice of squatting and contracting is one of the powerful methods of the later Celestial Empire, and Luo Cheng felt that it was very powerful.

"The government should also register the houses that have been destroyed by the people. The court can ask for appropriate help and subsidize a part of them, and then report them to the court. The court will withdraw a special amount of money to use as an interest-free loan for the people to repair and rebuild the houses. The people cannot live in this cold spring."

Luo Cheng was a person who grew up in later generations, so he had a strong experience, which was the stability of the later generations of the Celestial Empire. Stability was given priority over everything and was also the basis for all development.

Letting the people have a place to live and have food to eat is the prerequisite for stability.

Luo Cheng strongly advocated the issuance of interest-free loans to the victims and the crackdown on the act of making disaster money and usury. In the past, due to the unreasonable tax system, local officials even had no salary, but all depended on income from work and land. The government had no office funds, but all rely on the public and government money.

The court gave a piece of land and another sum of money, and then the government handed over the money to the children of the powerful people, asking them to lend money and charge high-use office expenses. The monthly interest rate reached 8% and the annual interest rate almost doubled. It has to be said that this is very high and has also had a bad impact on the court.

So now Luo Cheng has long banned such public money and banned private usury.

When encountering such a disaster, he even plucked money and grain to give free loans to the victims.

Even now that spring is just beginning, the court is already discussing the emperor's Qingshou Law. The so-called Qingshou Law actually means that people can apply to the court for a loan in the spring to use it as a production requirement such as purchasing seeds or renting plowing oxen, etc., and then after the summer harvest, they will repay the principal and interest, and the interest is very low.

The Qingmiao method actually appeared in history at the end of the Tang Dynasty and was improved during the reform of the Northern Song Dynasty. It was originally a good method, but it was later distorted for various reasons.

The Qingmiao Law of the Northern Song Dynasty was to take out the grain stored in the country's permanent warehouse, and then turn it into money and lend it to rural farmers or urban residents, and then collect interest.

Doing so can crack down on and curb private usury, and then alleviate the needs of the people.

The interest rate of the Qingmiao method is two cents, which is twenty percent annual interest.

Compared with the annual interest rate of 96% of the money of the Sui Gong Party, it is obviously much lighter and much lower than private lending.

However, the Qingmiao Law of the Northern Song Dynasty was reversed because many anti-reform factions turned against it, so it deliberately made a mess, and there were some inadequate aspects, which made this beneficial law eventually a law that harmed the people.

The Qingmiao method that Luo Cheng is discussing is to borrow half a year, with interest of 10%. The spring loan is paid after summer harvest, and the summer loan is paid after autumn harvest.

The capital of the Qingmiao Law also comes from the Changping storage grain in the country. The imperial court took out half of the money and used it as capital to lend Qingmiao to support the people. Then, after recovering the principal and interest, it used the money to buy grain from those grain-producing areas.

The grain prices in the grain-producing areas will definitely be relatively cheaper. In this way, buying grain into the warehouse can not only ensure the imperial court's reserve grain, but also make the imperial court profit.

Luo Cheng set a red line for the Qingmiao Law, which is that the government strictly prohibits the government from forcing people to borrow, and is not allowed to outsource the money and grain for lending. Moreover, the grain that is often closed can only be loaned at most at half. The interest rate is also fixed, and officials are prohibited from raising interest rates privately. Even if they cannot be repaid at maturity, they are not allowed to continue compound interest rate hikes.

Moreover, Qingmiao loans will not be given to the upper three of the ninth-class households unless it is the year of disaster, and the situation is special.

The loan period is half a year and must not be collected in advance to avoid the fact that the actual interest is two or three cents due to the early collection.

At the same time, when repaying the loan, you can use money and materials. The ultimate goal is to facilitate the people, especially support ordinary people, so as not to get stuck in debt.

When encountering disasters like this, Luo Cheng asked the court to issue a disaster relief law, allowing local governments to use money and grain from charity warehouses and social warehouses to rescue the people, release grain to provide disaster relief, and interest-free loans.

"There is another thing. There is more than 20 counties in Luoyang, with a population of more than one million. As far as I know, the implementation of the equal-field order has not been very smooth?"
Chapter completed!