Chapter 196 I dreamed that you dug up the ridge of my field! (Here you come)

One Guanqian is about ten kilograms, and ten Guanqian is a full one hundred kilograms.

Zong Baosheng was a little at a loss with the money. When they came, they were carrying firewood, but now that the firewood was sold, they only had a pole in their hands, but they didn't know how to take the money home.

When the staff saw this situation, they asked if they should put the money in the central bank first and withdraw it bit by bit. But Zong Baosheng finally got the money, so how could he be willing to send the money back? He shook his head repeatedly.

The staff member smiled and said, "Then you can't move it either?"

Zong Baosheng said cautiously: "Can you lend me a pair of baskets? I will pick them out and send them back to you?"

The staff was a little embarrassed. They had plenty of money, but they really didn’t have a basket of money.

Han Jiang heard about what was going on outside, so she came out and said with a smile: "What's the problem? Can't we just send him off in a carriage?"

Hearing Han Jiang's words, the staff quickly arranged a carriage to send the father and son of Zong Baosheng Sect and more than 100 kilograms of copper coins back home.

But this gift brought disaster.

Carriages are rare in the village, especially those at the Central Bank, which are very beautifully decorated and look like high-end goods. When they entered the village, they immediately caused a sensation.

Many people gathered around the carriage, so much so that when Zong Baosheng and his son brought down the copper coins, many people even asked questions.

The staff unloaded the goods and went back in a hurry.

Zong Baosheng felt that something was wrong, but since the villagers were asking, he told everything about what happened at the central bank. When he heard that Zong Baosheng only paid three cents of annual interest and did not need anything as collateral, he took the money from the central bank.

After borrowing so much money, they became even more sensational.

This year's severe drought has made life difficult for everyone. Many families have borrowed loans at high interest rates from wealthy households in the village. Some people have even planned to sell their fields. There is no other way. The Jianghuai area has been hit by disasters a few years ago.

The loan has not been repaid, and now we have to borrow money again. How can we bear this?

Due to the limitations of government legal provisions, the common interest rate for private loans is about 4 cents. This sounds like it is only one cent higher than the central bank, right?

In fact, it is not the same thing. The central bank's annual interest rate is three cents, while the four cents for private lending refers to the monthly interest rate. In other words, calculated in the simplest way, the annual interest rate is a full 36%.

Moreover, this is just a simple calculation, the real interest is not calculated this way.

However, if the monthly interest rate of four cents can really be maintained, it is actually quite conscientious. In fact, the interest rates for private loans are often not uniformly regulated. They are usually set within the upper limit specified by law and are set by the lenders themselves. As long as it is not

The interest rate exceeds the legal upper limit.

And what is the legal ceiling interest rate?

This is what we call "double breath".

The so-called doubling means borrowing one and repaying two. For example, if Zong Baosheng borrows 10 guan from the central bank, his loan will mature in one year, and he only needs to pay back 10.3 guan to the bank with interest. And if he finds this

He set a usurious loan with an interest rate of 100%, and after one year of maturity, he had to pay back 20 yuan!

In the absence of natural or man-made disasters, they can probably repay their debts, but once there is war or famine, there are many farmers who cannot repay their debts.

At that time, they had no choice but to sell their land to repay the loan, and then became refugees.

Someone asked to read the contract. Zong Baosheng was actually not very willing, but he didn't want to offend the villagers, so he had to show it to everyone. In fact, not many people could read, so it was the elder Zong who read it to everyone.

When the terms mentioned by Zong Baosheng were confirmed one by one in the contract, they cheered one after another. Listening to it once was not enough, and Elder Zong had to read it a second and third time...

The elders of the clan were already very familiar with the contract. Hearing the praises of the uncles in the village whom they respected in the past, he felt very happy, so he read the contract more diligently. The villagers also responded with praises without feeling bored at all.

However, as I read, the voices of the villagers gradually disappeared, leaving only the solemn voice of the elders.

"...If you are unable to repay when due, you can apply to the central bank for an extension of repayment. The principal will remain unchanged, the interest will remain unchanged, and it will be automatically extended for one year..."

The elders stopped in astonishment, and then saw a gentry in robes standing not far away, looking at them and sneering.

The villagers were as silent as cicadas.

The gentleman paced slowly, walked up to everyone, and laughed softly: "The officials are so kind that they have found such a good way for everyone to survive... Hahaha."

He looked at Zong Baosheng.

Zong Baosheng's face turned pale: "Mr. Zhang, I...I..."

Mr. Zhang chuckled: "Out of compassion, I spent all my money to help my fellow villagers and help you survive the disaster. I didn't expect to receive your gratitude. But now that you are doing this, you are taking advantage of me."

You guys, alas..."

Mr. Zhang was heartbroken and said, "...Looking at your appearance, it seems that you are all going to abandon me, hahaha."

Mr. Zhang looked around everyone, his eyes were very sharp, and no one dared to make eye contact with him. Mr. Zhang smiled proudly and said, "It's up to you. I just want to see how long this central bank can last, haha."

Zong Baosheng's face turned from pale to red, and he murmured for a while and said: "Mr. Zhang, the central bank was organized by the imperial court. It was created by the officials to help us poor people survive the famine. There is nothing wrong with us borrowing money from the central bank, right?

"

Mr. Zhang nodded and said: "Of course there is no problem. I won't have any objections, haha."

After saying this, he walked to the side and looked at the clouds on the horizon, as if something about the ordinary clouds attracted him.

A strong man strode across the crowd and walked up to Zong Baosheng.

Zong Baosheng's face turned pale again, his lips were trembling, and his whole body was shaking like chaff: "Zhang Dazhuang, what are you going to do?"

Zhang Dazhuang grinned: "Zong Baosheng, the last time you weeded, you plowed half of my field. If you plow half of it a year, in a few years, all my fields will be yours. Do you think you are immoral?"

!”

Zong Baosheng looked astonished: "Our fields are not next to each other at all. One is in the east and the other is in the west. Why did I go to dig up the ridge of your field?"

Zhang Dazhuang exclaimed, "That's even more outrageous..."

He suddenly punched Zong Baosheng in the face, knocking Zong Baosheng to the ground. "...One is on the east side, and the other is on the west side. You still come to dig up the ridge of my field. You are looking for trouble! You should be beaten!"

After saying that, he pounced on him, punching him left and right, causing Zong Baosheng to cry out repeatedly.

When Elder Zong saw his father being beaten, he froze on the spot. He reacted after a moment, roared and rushed forward, but was knocked down by Zhang Dazhuang. After knocking down Elder Zong, Zhang Dazhuang grunted and stepped on Zong Baosheng's shoulder.

There was a sudden click on the calf, and Zong Baosheng's calf showed a strange twist.

Zong Baosheng's screams resounded throughout the village. Zong Baosheng's wife heard the sound and rushed out. Her eyes turned red and she rushed towards her like a female tiger. Zhang Dazhuang kicked her down and knocked her down.

The clang family's miserable cries came one after another, the faces of the villagers turned pale, and some people had already moved away.

Mr. Zhang seemed to have had enough of seeing the scenery at this time. He turned around slowly and said quietly: "Okay, okay, is there a misunderstanding? After all, your two fields are not next to each other. Da Zhuang, why don't you apologize to Zong Baosheng?"

."

Zhang Dazhuang laughed evilly and said: "Oh, there seems to be a misunderstanding. Haha, Brother Baosheng, I'm sorry. It seems that I had a dream last night, and I dreamed that you dug up the ridge of my field. I'm sorry, okay?

Stay, hahahaha!"

Mr. Zhang looked at Zong Baosheng with pity on his face and said, "You tell me, what are you doing in other people's dreams when you have nothing to do? Isn't this suffering?"

He looked at everyone and said: "Everyone, please remember, don't be idle and look for trouble, go home quickly, ah, don't cause trouble.

The villagers dispersed in a hurry, fearing that if they left a moment later, they would be resented by Mr. Zhang.

Mr. Zhang looked at the people who dispersed with a sneer on his face.

Zhang Dazhuang came over, looked at the ten guan of money borrowed by Zong Baosheng, and whispered: "Here are ten guan of money..."

Mr. Zhang waved his hand and said, "It's just the money to compensate for your farm ridge. Take it and divide it among your brothers."

Zhang Dazhong was delighted: "Yes, thank you, Mr. Zhang, for the reward!"

The sect elder was holding his ribs, which were in great pain. He didn't know if a few of them had been broken by being kicked. He looked at Mr. Zhang with hatred, but Mr. Zhang turned a blind eye and walked away.

Only the clan members were left wailing on the ground.

With tears in her eyes, Zong's wife helped Zong Baosheng lie down on the bed, and then hurried to the old doctor Zhang in the village, only to see Zhang Dazhuang sitting drinking tea. Seeing Zong's wife, she smiled coldly and said: "Sister-in-law of the Zong family, you

Come back, I am so angry with the evil things done by the eldest brother of the Zong family that my chest hurts. I have to be treated here by Dr. Zhang these days. Doctor Zhang probably doesn’t have time to treat others."

Zong's wife was inexplicably angry and cried: "Zhang Dazhuang, you beat the man, took away the money, and established the power. You must destroy the man and destroy the family! If the head of my family is really dead, you are not afraid of eating it."

A lawsuit?"

Zhang Dazhuang took a sip of tea and smiled: "Those who can't die are lame at most. I said Cuihua, why didn't you look down on me back then and insisted on marrying this wimp Zong Baosheng? Our village name is

Zhang, you don’t want to marry, you have to marry a member of the clan family, you are still a single child, what do you think?”

Zhang Dazhuang shook his head repeatedly, with a look of hatred on his face.

Zong's wife did not waste any time arguing with Zhang Dazhuang, but turned around and begged Doctor Zhang: "Uncle Chang, doctors are like parents, you must help to save lives."

Doctor Zhang was a little embarrassed. He glanced at Zhang Dazhuang, who was sneering, and asked: "Baosheng's wife, look, I can't get out of here. Alas, why don't you go find Li Changhe from Changhe Village to check with your boss?"

?”

Zong's wife stumbled away.
Chapter completed!