There are many reasons for the booming usury in the Song Dynasty, but the fundamental reason is that the people are too poor.

I am so poor that I can't survive without borrowing money...

This was the starting point for Wang Anshi to promote the Qingmiao money later.

There is a market when there is demand, so the rich take advantage of the situation and use usury to loot farmers. For a time, the rich become richer and the poor become poorer.

Such a good day is fascinating, but the emergence of the Song Dynasty money house immediately shattered their dreams.

Ultimate loans are becoming more and more unreliable, while Dasong Money House is full of customers and keeps opening branches.

The business is so booming that it keeps the guys busy and even need to shout to communicate.

"…Yang Datian…Yang Datian is here!"

"I've signed and stamped it!"

Just amid the noise, Tang Ren came back with a piece of paper.

"copy!"

He handed the paper to a guy.

"yes."

The guy took the paper respectfully and stood behind the counter and started copying.

——Any mortgage borrower needs to come together and sign and seal the loan...

The guy looked up and thought Tang Ren was crazy.

"Quick!"

Tang Ren was thinking about the things that were famous throughout the ages.

After the guy finished copying, he felt that he was an honest person, so he persuaded him, "Judge, this matter is probably... worth discussing!"

"Posted!"

Of course, Tang Ren knew it was worth discussing, but this was Shen An's order. Can he give it a discount?

Of course not.

"Famous forever!"

"Hurry up and get out!"

The most deficient thing in the money shop is paste. You can fool it a few times and then post the notice.

The money house will often post notices, so someone stops immediately.

"There is a notice!"

Many of the people who come to borrow money are illiterate and illiterate, and need someone to recite and explain.

But there are also literate people. If they want to show off their knowledge, they read it loudly.

"...Any mortgage borrower needs to come together with the couple, and the two sign and seal..."

Damn!

Someone shook his head and shook it hard, feeling that he was afraid he had heard it wrong.

"No?"

A man slit his ears and said, "This borrowing money has something to do with women? I want to borrow money, but she dares to talk nonsense? I can't beat her to death!"

"That's right, men are the head of the family. When will it be the turn of women to make decisions?"

"Who made the notice?"

"Come out!"

The outside started to make a fortune as scheduled.

Tang Ren walked out and it became quiet outside immediately.

He is a judge, an official, and a master.

Did you see the sergeants on the opposite side? They were just staring at the money house. Someone came to the money house to rob him a while ago. He just robbed two jin of money and ran away. He was blocked by these soldiers and was ready to fight. After that, the leaders all said that they had made contributions and had some food and food when they turned back.

Where did the wine and food come from?

The money house rewards.

The money house is not short of money and is willing to pay to encourage the enthusiasm of these soldiers. So they wish that some situations will occur.

"Some people borrow money to gamble, some people borrow money to raise women outside... There are so many of them that they can't pay back their money in the end, and there are quite a few people who have lost their family in the near future!"

Tang Ren's voice was very firm, "Where does this come from men borrow money, and women suffer with each other? When borrowing money, men make the decision, but women have nothing to do. But when paying back the money, women are in trouble. This matter should be over. One family, what is a family? A husband and wife are together. From today, from now on, from now on, anyone who has passed the loan verification must first bring his wife to sign and seal it before he can get the money."

"Crazy!"

The chaos broke out, and then half of the people scattered at the entrance of the Dasong Money House.

The thick gold and silver shop opposite was instantly surrounded by crowds. The Xia brothers came to help themselves happily, and even shouted that the money shop was trying to die.

But their capital is not enough!

"Shopkeeper, there is not enough money, there is not enough money!"

"Go and ask!" Xia Jin said with a blush on his face: "Go to ask those people for money, and just say that the money shop is trying to die. Our opportunity is here."

Xia Qing was trembling all over, "Brother, this is Chen An's own death! We have been suppressed for a long time and finally got this opportunity. It's a good thing!"

People who have a strong capital and gold shop are crazy.

Countless people rushed in, opening their mouths to borrow money.

As for what you say, it is more reassuring to save money in the Song Dynasty. If you save money in the Song Dynasty, you don’t ask where it comes from. Unless you say, “I want to save 100,000 guan” as soon as you come, the guy’s smile will not change at all.

This is the foundation.

The foundation of the richest man in the Song Dynasty standing behind.

But no one comes to borrow money, this is a problem!

The news spread later.

"He's crazy?"

Han Jiang burst into laughter and said, "Is it that Tang Ren did it himself? Hey, no, Tang Ren doesn't have the intention, this kind of thing is more like Chen An's work. Yes, no one cares about the woman's feelings, only him. He is said to be young and rich. Who is not a group of women like him? Yes, this kind of person's mind is different from us. But is he crazy?"

"I'm going to ask for the official family."

He entered the palace all the way, and the prime ministers were there.

"The mortgage loan requires the couple to sign and seal together?"

Zhao Shu felt that Chen An probably had a shot.

"You guys, what is this saying?"

It's inexplicable!

Han Qi said: "Your Majesty, I feel... Chen An has drunk too much?"

This is a joke, but in this era when women are not at a high level, Chen An's behavior really seems to have drunk too much.

"Men have to agree to borrow money and spend money. Isn't this a reversal of the world?"

Zeng Gongliang shook his head and felt that Chen An was really crazy. "Your Majesty, I feel that Chen An has nothing to do recently, so I am full of random thoughts. Why don't you give him something?"

When people have nothing to do, they either gradually become numb or think randomly. Zeng Gongliang feels that Chen An is just thinking randomly.

Zhao Shu glanced at Bao Zheng.

Bao Zheng was also helpless!

"Those people went to Houben to borrow money, and the momentum was not very good." Zhao Shu said in a deep voice: "The money in the money shop has to pay interest every month. If you cannot borrow money, you will lose a lot every month. Has Chen An thought about this?"

Bao Zheng bowed, "I'll ask."

He arrived at the Shen family all the way, and heard laughter as soon as he entered the door.

Chen An was teasing her with edamame in her arms, laughing constantly.

The child's laughter was the most innocent. Bao Zheng couldn't help but remembered Bao Shou's appearance when he was a child, and the corners of his mouth were slightly raised.

"Bao Gong."

Chen An smiled at him.

"What's the matter with the couple signing the mortgage loan?"

"This is not a big deal!" Chen An smiled and handed the edamame to Bao Zheng. Seeing his skillful embrace, he couldn't help laughing. "Someone mortgaged all the property on his back, but in the end he couldn't repay the loan. The property was taken away. The family was displaced on the streets, and his wife and children cried, which made people feel pity."

"That's a very rare one." Those who rule should have the awareness of letting go of the big ones and letting go of the small ones.

The formulation and implementation of each policy cannot be perfect, so it depends on how many people this policy has benefited, that is, on the proportion.

Most people benefit, so this is a good policy.

A small number of people benefit, and most of them suffer, so this is a bad policy.
To be continued...