There are only ten days left before the New Year.

Yan Yunge set off for Fugui Villa to host the group wedding.

Yan Sui told her that there are about sixty or seventy couples registered for marriage in the villa.

When she arrives, she may add a few more pairs.

Fugui Villa is three points more lively than before.

The villa, which was branded by refugees, is being impacted by villagers from all over the countryside, and the influence of refugees is not as great as before.

Yan Sui told her: "After the autumn harvest, villagers from several nearby counties went to the villa to clear the land. The young man made a statistics. So far, a total of 312 villagers participated in the land reclamation, and half of the households have obtained low-rent fields."

Yan Yunge took the account book and looked through it, "When I came last time, the total number of villagers who opened up land was less than 100 households. How long has it been, how did so many households have been added all at once? What's the problem here?"

The villagers in several nearby counties are located in the capital, and no matter how hard or tiring life is, they can still live.

If you have your own land, you have to take care of your own land.

If you don’t have any land at home, you have to manage the rented land.

In other words, the labor force of a family is put into its own fields.

Basically there is no extra labor force coming out to open up the land.

Yan Yunge has always hoped that local villagers could attack refugees.

The refugees gathered together, which gave her a headache.

If it weren't for the thousands of guards, those uneasy refugee groups would have started to cause trouble long ago.

However, over the past few years, local villagers have participated in the land reclamation and the progress has not been very smooth.

It is better to open up land for the imperial court to work hard and have to rent land for low-rent land. At least one can get one of the ten and get your own land.

Yan Yunge also knew the disadvantages of the villa and did not force it.

Unexpectedly, this winter is abnormal.

The nearby farmers were not at home and actually went to the villa to clear the land.

Strange thing!

Yan Sui hurriedly said, "The young man was also surprised and sent someone to investigate. It turned out that most of the villagers who came to the villa to open the land were forced by usury, lost their fields and real estate, and had no way out, so they could only come to the villa to open the land."

Yan Yunge frowned, "Why is the usury so rampant this year?"

Yan Sui lowered his voice and whispered: "A family wanted to connect several farms into one, with several villages separated by them, and refused to sell the land they were in. So, the family bought usury loans from the owners of several villages and forced them to pay off their debts with acre of land, which was a big deal."

"No one from the local government interferes?"

Yan Sui shook his head repeatedly, "The government turned a blind eye and never stood up to preach justice for the rural farmers. What's more excessive is that those people did not stop after getting the land and property, and forced people to be tenants. They set up checkpoints at the entrance of the village, and people were not allowed to leave the village.

Even the government supported setting up levels by not allowing rural farmers to go out to escape famine, and everyone was not allowed to leave their hometowns. If not, there would be more local farmers who went to Fugui Villa to open up land."

Setting levels can prevent some from escaping, but not everyone.

When you cross mountains and ridges, there is always a way to escape the checkpoints and come to Fugui Villa to make a living.

Yan Yunge asked, "Does someone use this excuse to go to the villa to make trouble?"

Yan Sui shook her head, "No one has come to cause trouble yet. Maybe he knows that our villa is not easy to mess with, so he dare not mess with easily."

Yan Yunge dared not take it lightly, "Strengthen your guard, don't let go of any suspicious persons, check them out one by one."

"promise!"

Yan Yunge asked again: "Do you know, what is the rent for those families who recruit rural farmers as tenants?"

Speaking of this, Yan Sui Tai sighed.

He spitted, "It's still a kind girl. She only charges 30% of the rent for low-rent fields, and only 50% of the rent for non-rent fields. In the entire capital, there is no need to find a villa with a lower rent than a girl. The younger one specifically asked about it. At present, the farms of various major families start with 60% of the rent, and some are unscrupulous and receive 70% or even 80% of the rent.

For such a high rent, unless you commit to slavery, you will have to bear taxes and corvee service after paying the rent. Think about it, it is rent and taxes. After working hard for a year, there is no place to eat food. If you don’t have enough food, you have to fight famine and live with usury. After a roundabout way, there is no day to make a comeback. No wonder those villagers are willing to escape famine and go to our Fugui Villa to open up the land, but they are unwilling to be tenants for the big households. They are too unintentional!”

Yan Yunge looked shocked, "I remember that in the past two years, the land rent in the capital area was generally 50% and 60% of the land, and only a very small amount of black hearts collected 70%. How long has it been? Sixty percent is already a conscience, and 70% is a common phenomenon. Don't the families behind those farms know that doing so will force tenants to be displaced and their families will be destroyed?"

Yan Sui sighed, "The girl is kind, so naturally she doesn't understand the ideas of those bad-hearted families. They don't care whether the tenants will lose their families. If the family is broken, they can expand their slaves and turn the tenants into land slaves, and squeeze them out at will. If they die, they will die, and they can save more food. Anyway, there will be a steady stream of bankrupt rural farmers who will become their land slaves, and they will make cattle and horses every day to farm for them."

Speaking of this, Yan Sui was also full of righteous indignation.

But he is not an official.

Even if he is an official, he cannot cross the border and interfere with official duties in other places.

Yan Yunge gently tapped the table, and she vaguely felt a crisis that was coming.

She asked, "This is Jingjin. Those families are so rampant that no government has ever asked about it? No one went to the court to complain?"

"How to complain? The usury borrowed by yourself cannot be denied."

Yan Yunge sneered, "Those families, who use such stingy means to invade other people's land, dare to turn a blind eye and not ask. In the future, this powder keg will be detonated, and the first one to die will be those inaction officials. Let me ask you, how much rent is collected in the farm under my mother's name?"

"Reporting to the girl, the farm under the name of the county lord, has always collected 60% of the rent for top-quality fertile land and 50% of the rent for other acres. If it is a drought hillside land, 40% of the rent will also be available for 30% of the rent."

Yan Yunge suddenly breathed a sigh of relief.

She was afraid that her mother would become a bad-hearted landlord.

Yan Sui seemed to know what she was worried about and said softly: "Don't worry, girl, the countryside under the name of the county lord has never lent usury. If you lend food, you only return nine out of eleven, and you are extremely conscientious.

Nine out and eleven return means that if you borrow 100 kilograms of grain, you have to deduct ten kilograms of grain as a handling fee, and the borrower will only get ninety kilograms of grain.

When returning the food, you have to pay back 110 kilograms of grain.

The interest rate is not low.

But compared to usury, which is profitable, the price is quite reasonable.

Yan Yunge knocked on the table, "The rural farmers in the Gyeonggi area are all living in poverty. You can imagine that the situation will only be more serious than that in the Gyeonggi area. Some opportunities seem to be implemented in advance. Yan Sui, I will give you a task."

"Please give me instructions, girl!"

"We also open a money shop to grab usury loan business."

Huh

"Miss really wants to open a money shop and grab usury business?"

"What, are you afraid? With two thousand guards as your backing, are you not confident to open a money house?"

Yan Sui shook his head repeatedly, "The girl wants to open a money shop, but the little one is only happy, so why would she be afraid? I just don't know, how would the girl plan to open this money shop?"

Yan Yunge smiled, "Don't worry, I know that people's livelihood is hard, so I don't play with profits and profits. But the interest cannot be too low. After all, everyone has to eat. The monthly interest rate is 2 cents, the annual interest rate is 24%. There is no need to mortgage if you borrow less than ten cents of money. Loans with more than ten cents of money must be mortgaged. Borrowing can be borrowed once a month, one month, or one year or two years. If we don't buy profits, the principal will not double."

Monthly interest rate is 20% and annual interest rate is 24%, which means monthly interest rate is 2% and annual interest rate is 24%.

Today, when three-point interest, four-point interest, or even five-point interest, and six-point interest, the monthly interest rate is two-point, which is definitely not high, and the conscience price is.

Moreover, other money banks are profitable.

Interest is counted as principal, and the principal is getting bigger and bigger, and the interest is counted as more.

No one can stand such exploitation.

However, the market is that loan sharks are rampant.

If ordinary people want to borrow money, they can only look for usury loans besides looking for relatives.

Apart from these two paths, there is no third way to borrow.

If your relatives are poor, haha, and you don’t have money to borrow, what should you do?

I can only embark on the road of no return of usury.

In the end, a family was destroyed and the people were killed and sold as slaves.

Yan Sui asked, "Does our money house be opened in the capital or in the villa?"

Yan Yunge said: "The main store will be opened in the villa! Next year, let's check the situation first. If allowed, then open branches in major counties. The capital will not be involved for the time being."

As long as you think about it, the capital city will definitely be the hardest hit area for usury in major banks.

Emperor Yongtai didn't notice such a serious situation?

Jinwu Weiguang knew that he was staring at the officials in the court, but he didn't know how to put his eyes on the spot?

There are also embroidered yamen, but she doesn't believe that these yamen will not know the consequences of the proliferation of private usury, but no one says anything.

hehe……

Emperor Yongtai was still dreaming of his dream of spring and autumn for the eternal emperor, but he didn't know that the doorstep was almost overturned.

I don’t know if there will be chaos in the public.

However, with the ability of aristocratic families to cover up the sky with one hand, the government turned a blind eye to the other. Even if civil chaos occurs, as long as they can be controlled, they will definitely hold the news tightly until it becomes rotten and smelly.

I really can't cover it anymore, and I can find a few scapegoats to throw the blame at the same time. It's perfect!

In short, the fur of aristocratic families is not damaged.

In this year, the only thing that can shake the fundamentals of the family is to rebel and rebellion.

As long as there is no rebellion, the aristocratic family will be stable and passed on from generation to generation.
To be continued...