no,214. Is our Tianxian Palace still lent usury?

Huang Junming thought for a whole night, and many things were not something that could be done just by wanting to do, which made Huang Junming a little depressed. As a time traveler, this made Huang Junming feel powerful but unable to use them, and he was very irritated. Regarding how to spread ideas to the lower class, Huang Junming could only rely on the locust plague in the second year of Zhenguan. There must be a major epidemic. I hope I can get it at that time.

Today is the first day of the first lunar month, a good day, the first day of the year. I thought about Huang Junming all night yesterday, and missed the Taoist sacrifice in the morning in the new year. Fortunately, everything in the Tianxian Palace is on track now, and many things don’t need Huang Junming to do by himself, which also saves Huang Junming a lot of trouble.

It is noon now. The temperature outside is not too cold, but it is not too cold. After the New Year's sacrifice, Ge Yanlin hurried to the Tianxian Palace and stood beside Huang Junming.

"Master, the income and expenditure of our Tianxian Palace were sorted out last year." Ge Yanlin said respectfully to Huang Junming. Huang Junming never asked about the matters of Tianxian Palace, and everything was managed by Ge Yanlin. Fortunately, Ge Yanlin is also a person who deserves heavy responsibilities. Without Huang Junming's concern, he can handle the size of the Tianxian Palace in an orderly manner.

"Well, Yanlin. Just know those things in your mind, don't tell them." Huang Jun obviously didn't care too much about these things.

"Master, I still think it's better to talk to you." Ge Yanlin is another serious person, and he still abides by his own ideas about these things.

"Well, then you can just talk." Huang Junming couldn't help Ge Yanlin's enthusiasm when he heard Ge Yanlin say this. He returned to Ge Yanlin.

When Ge Yanlin heard this, he took out a piece of paper from his arms and recited one after another: "Master, last year, the Tianxian Palace collected a total of 270,000 incense. Jingrenfang, Mule Horse House, Cart and Niufang and other camps were not built, so there was no income. The Sukefang had a income of 420 guan due to the arrival of pilgrims. He performed rituals for the pilgrims and earned 11,000 guan. Master Sun's wooden courtyard was used to treat patients. He earned 16,315 guan. The gold shop had a income of 31,170 guan. The total income of 328,885 guan."

"Oh? Our Tianxian Palace has so much income this year?" Huang Jun obviously didn't know that his Tianxian Palace had such a high investment this year. You should know that in the early Tang Dynasty, the prices were very cheap, and the usual money was enough for a family of three to live without worries. "But... Yanlin, why does our Tianxian Palace have gold shops? Is our Tianxian Palace also doing money shops?"

"By Master, the gold shop does not mean the money shop." Ge Yanlin explained to Huang Junming: "The gold shop is available in every Taoist temple. Because the Taoist temple has a lot of money, many officials, merchants, or farmers who have no money in their hands will borrow some money from the Taoist temple for emergency response, and use land or other valuable things as collateral. After they have enough money, they will return the money to the Taoist temple. The Taoist temple charges an additional 30% of the silver money as the loss to the Taoist temple when they lend them money."

"Hiss!" Isn't this a loan shark? After Huang Junming understood what Ge Yanlin said, he breathed secretly. It turned out to be 30% interest. It was not a loan shark, and what was it? I didn't expect that this Taoist temple would do the loan shark, but in the long run, it would definitely cause trouble. "Yanlin, does the government know about this gold shop? Is it allowed?"

"Master is worried that all the Taoist temples and temples in the world will open gold shops, big or small. The government naturally knows this." Obviously, the matter of usury can be regarded as quite ordinary for Ge Yanlin, and he did not expect that there would be hidden dangers.

"If the borrower cannot afford to pay back the money, will he want to take the mortgaged property into Youguan?" Huang Junming frowned and asked hurriedly.

"That's natural, these are all written and recognized by the government."

"Yanlin. Listen to it, the matter of gold shops must be resolved as soon as possible. Think about it, we Taoist priests do not pay taxes, but absorb money from incense, rituals, etc. In the long run, the Taoist temple will inevitably be rich. There are always some people in the world who cannot turn around, but what if those who come to the gold shop to make money cannot repay? The people will become poorer and poorer, but the Taoist temple will become richer. As Taoists, we spend less money. Over time, the land of Taoist temples will increase, the money will increase, and the danger will become much greater. Think about it, which ruler will let his taxes decrease little by little, but Taoist temples are rich so much that they are rich?! Impossible! Over time, the government will find reasons to seal the Taoist temple. You must know that every man is innocent, and Bihuai is guilty. It will be too late to say anything at that time. Do you understand?"

"But..." Ge Yanlin was about to say something, but was interrupted by Huang Junming again.

"Yanlin, listen well. From now on, our Tianxian Palace will be left with some emergency money and necessary expenses. All other money will be registered and returned to the people when encountering natural disasters. This is not only for our long-term development, but also for the benefit of the public. A good thing of a certain merit is better to do something for the country and the people instead of letting the money rot and rust in the warehouse. In addition, the gold shop can be done, but don't be so excessive, and half of it will be taken in the future.

It's OK to achieve it. If the borrower is unable to repay the loan, then let them do things for the Taoist temple. For example, if you use land mortgage to repay the loan, then let them continue to plant their original fields. After the harvest, go out to pay off the debt according to the market price. You can't block the way, maybe this will make everyone happy and not hurt the people." Huang Junming quickly thought about the pros and cons and said to Ge Yanlin.

Ge Yanlin had never thought of this before, but after hearing what Huang Junming said, it seemed that it was really the case. He was surprised and sweated in a cold sweat. Then he asked Huang Junming: "Can you tell other palaces about this?"

"No need." Huang Junming waved his hand: "The teacher will tell you what you are going to do at that time. Besides, our Tianxian Palace is now a Taoist sect, and you should understand the principle of "upper and lower levels". What you have to do now is to sort out what I said and implement it. This matter cannot be delayed."

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Chapter completed!