In Du Zhongxiao's previous life, people often said that developed countries were consumer-oriented societies, and how they were developed. Every time the critical moment of reform, a foreign old lady appeared in the media to teach Chinese people. For example, the old lady in the United States came out to teach Chinese people how to buy houses. People lived in good houses all their lives, and paid off their mortgage when they were old. The old lady in China lived in dilapidated houses for a lifetime, and finally saved enough money to buy a small house in the end. So the Chinese also learned to buy a house with loans, took out six wallets, and finally lived in a big house. At the same time, they had a loan that would have to pay for half their lives. The old lady in Sweden came out to tell the Chinese police what it was like, and that the old lady, the taxpayer, pointed at the nose. Finally, the Chinese were able to travel to Sweden and saw the Swedish police and were thrown into the cemetery in the middle of the night.

Du Zhongxiao was forced to pass the Jinshi by rote memorization, and now he has finally become an official, and his thinking about problems is no longer the same as before. Not to mention the examples of the police, the national conditions are different, and the Emperor of the Song Dynasty did not allow officials to do that to shake his ruling foundation. However, the advanced experience of loans is really the only magic weapon for the court to govern the economy and rule the world.

There was a famous drama "White-Haired Girl" in his previous life. In the classroom, it explained the crazy exploitation of farmers by the ancient landlord class. But Du Zhongxiao is now sitting in this position and if you analyze it carefully, there is a different content. What is the most serious exploitation of the landlord Huang Shiren on the tenant Yang Bailao? Is the land rent too heavy? In fact, it is not, but usury. Whether it is good weather or natural disasters, Yang Bailao paid the rent, and the remaining money was not enough to pay the interest on usury. In other words, even if Yang Bailao received the care of God, he could not change his destiny. From the beginning of his first loan shark, his destiny was destined.

What kind of sheep eats people's sweatshops are too low-level. Whether it is exploitation or investment development, it is far from comparing the means of borrowing. From primitive capitalism to imperialism, the most advanced is financial imperialism, and the others are just small-scale fights.

Whether it is holding a whip to work, or making small favors and favors make people work, it is not as enthusiastic as giving people a higher enthusiasm for working with a loan. If you take this step, you will benefit the country and the people. Once you cross the boundary, you will become a devil who will suck the bones and marrow on the entire society. Just like the Qingmiaodai in history, which looked very beautiful, but in fact, there will be blood and tears among the people.

Du Zhongxiao could not speak to Liu Jizhi, and the words were spoken out, which violated the basic Confucian moral ethics. He just started to pilot it on a small scale from himself and slowly improved it, striving to use the legal system to keep this beast in the hands of the court.

Du Zhongxiao analyzed the reasons for doing this with Liu Ji one by one. Most of the families who came to raise land in detail had no property and almost had nothing. The houses they lived in were built by the farms here to collect corvee, and all were used as loans. All the farm tools were built or bought by the government, and they were also used as loans. Several families had plowing oxen, and they also used as loans. Even the land they reclaimed was considered as loans, but they did not charge taxes or interest within three years.

The total loan amount of each company and the interest paid each year have been carefully calculated to ensure that they have no worries about food and clothing, while having a slight surplus, which can be used to improve their lives. Such a life is relatively abundant compared to the ordinary farmers around them.

Liu Ji was stunned for a while before saying, "Why do you have to be so troublesome? It's all the people under the rule of the court. As long as you spend a few years, what's the harm in giving all those things to the households? It's always unpleasant for the households to owe the government loans."

Du Zhongxiao shook his head repeatedly: "The magistrate, the court exempts the interest from the households, and everyone praises the sage virtues. If it is his own property, it is afraid that it will be impossible to avoid it. Furthermore, even if there are unworthy children in the households, they will not dare to sell the property because the property is owned by the government. There is always a bottom line. Otherwise, I am afraid that those who eat, drink, gamble and sell their property in a few years, will inevitably be the disaster of mergers."

"It makes sense, too." Liu Ji nodded, always feeling something was wrong.

Du Zhongxiao sighed slightly in his heart, and did not say it out loud. It is very dangerous for farmers to maintain production by borrowing. Not to mention that in this era, in his previous life, he had entered the industrial society, and this kind of production relationship still tortures farmers. The most developed countries are all large farms, and whenever there are natural disasters, the farms will go bankrupt. The weather is good, the grain is low, and some people will go bankrupt. Not to mention that another country with more than one billion people, there are thousands of farmers every year because they can't afford to pay off their agricultural loans.

After all, using capital to control farmers and exploit farmers is much more concealed and effective than directly using land rent to exploit. Because agriculture is natural risks, the interest rate on loans is bound to be high, and losing all fortune is common. Not to mention, it can be used to manipulate the market to harvest the peasant class at any time. Since loans replace the savings that farmers should have, they can control grain prices in a short time, and quickly emptied farmers' savings in one go. Just like Du Zhongxiao's previous life, he could control housing prices casually and emptied the savings of the entire society in a short time.

Those families who borrowed assets to reclaim wasteland had crops that the government stipulated must be planted. For example, those families attached were forcibly required to plant sorghum because they were located in saline-alkali land, and the state capital collected them for winemaking. The prices of such bulk crops were better controlled.

Du Zhongxiao's idea was that the court and local governments came to operate, and this market was not dared to be put among the people.

Liu Ji's knowledge structure is still not clear about the twists and turns in the middle, and he doesn't have to worry about it. Recently, the trial of the Ma Meng case is coming to an end. The land reclamation here is just getting better, so he came here to inspect it.

Reclaiming deserted fields and recruiting household registrations is one of the most important projects for the official exam. If the land is completed here, not only Du Zhongxiao will benefit, but officials in the state will be recorded. The governor Han Yi is a veteran and his political achievements are useless to him, and Liu Ji's weight is heavier.

Li Ping'an, Liu Da and Zhu Xian squatted on the ground, looking at the list of articles posted in front of them, and each of them planned.

After thinking for a while, Li Ping'an said, "I want to live in the Guanzhuang. For nothing else, my old mother learned to burn incense, and she was always afraid that she would encounter some bad people and cause trouble. The government's farmhouse was so strict that she would feel relieved from now on."

Zhu Xian shook his head repeatedly: "The government is in charge of everything and everything. How can we stand being so lazy? It's better to find an open space there and open a field and live freely. When I want to catch fish, I catch fish, and when I want to shoot rabbits, who cares about me? During the slack season, I will go to the dock there and find someone to buy pounces and take advantage of some spare money. Brother Liu, do you think this is the reason?"

Liu Dalian nodded repeatedly: "We are such people. Who can bear the care of a cat and a dog? I am full of strength. After finishing the work in the field, I can also go to the dock to do odd jobs to make money! I have such a temperament. If I don't have money, I feel like I have lost my soul. I can't live in Guanzhuang!"

Li Ping'an was silent for a while, and finally sighed: "You don't have any family burden, so you will do everything well. My mother in my family is old and everything is to support her. Forget it, the villages are not far away, so we can go our separate ways."

Several people discussed and went to the shed of recruiting workers, and each wrote a document with Hu Zhonghai, and agreed to come and report to him the next day. Hu Zhonghai was pleased with Li Ping'an and asked him to go to his own farm.
Chapter completed!