Chapter 1672: Usury and steamed seeds
Marin was originally troubled by the old aristocracy's two sides and three swords, but after thinking about it from another angle, Marin laughed.
Why is he laughing? It turned out that Marin suddenly thought-since the old European nobles were accustomed to both sides and three swords, and most of them were greedy, does that mean that they can also use this weakness to buy up the nobles of the enemy country?
Malin became more and more interested, and finally became happy. Through thinking, Marin believes that Louis XII bought these foods back, not really want to save the people, but to prevent refugee rebellion in the disaster area in the northeast.
The peasants are usually honest and deceitful, but if they are really unable to survive, they will rise up. Once the peasants launched the uprising, the government had to spend huge manpower and material resources to suppress it, and it was expensive.
For example, in order to suppress the Bailian Rebellion, the Qing Dynasty actually spent 200 million silver. In the Wanli period of the Ming Dynasty, it only cost more than two million two silver to deal with the rebellion of Yang Yinglong in the southwestern state of Bozhou.
Therefore, Louis XII was not afraid that the people would live poorly, but that they would spend too much money to suppress the uprising after the uprising.
Moreover, the 30 million pounds of food he bought was actually not enough for disaster relief. After all, the total number of victims is one or two million, and even if each person only eats half a pound of food per day, it is only enough for one or two months. The victims must continue to harvest next autumn, at least half a year, this is not enough food.
However, with this 30 million pounds of grain, Louis XII only needs to show a "full relief" posture and drink a little of the disaster victims to quickly settle people's hearts. Even if not everyone can eat it, but after seeing the disaster relief, most of them will settle down and wait for the miracle to happen ...
Of course, Louis XII will certainly not use only this kind of grain for disaster relief, and will certainly mobilize grain from other places. As long as the posture is sufficient and the hope is given to those victims, they can avoid the insurrection of the victims.
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Sure enough, Louis XII was mainly for appearance. He only bought 30 million pounds of food from the North Sea country, but he released news that he had bought enough food for the victims ...
After the news spread, the hearts of the people in the disaster-stricken areas of northeastern France really settled down, and they were at home waiting for rescue.
But wouldn't Marin watch Louis XII pass this way? After thinking that the nobles of the enemy countries could buy it themselves, Marin thought of a vicious strategy ...
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What strategy? It was to take advantage of the disaster in the northeast of France, unite with the local bullies and nobles, take advantage of the fire to rob, and push the victims into the fire pit ...
How does it work? This is actually very simple-the most basic operation is to take advantage of loan sharks!
At this time of disaster, the people most lack food. Without food, they will starve to death. At this time, if some people are willing to lend them food, even if the interest is high, the people will have no choice. After all, at this time, it's good to have something to eat.
However, how can Marin be so kind? He gave a loan method to the French people as a loan shark!
The loan shark is not uncommon in Europe. Generally speaking, in this year, usury loans with an annual interest rate of 50% are available, and even in an emergency, there are twice as many emergency usury loans.
In such a disaster year, it is completely normal for unscrupulous nobles to give out two or three times the usury. Unlike Marin, the solution he gave was a hidden loan shark.
The specific method is-to lend food to the people, according to 15% monthly interest. However, in the loan contract, it is quietly stated that it is profitable (this point is deliberately obscured or neglected in the preparation of the contract, or in a language that the farmers cannot understand), and then, a long-term loan of 12 months , Indicating that it will be returned after 12 months.
And where do those illiterate French farmers know how powerful they are? According to the non-profit rollover algorithm, the 15% monthly interest rate and the annual interest rate are only 1.8 times the interest rate. This is definitely a loan of conscience in the disaster year.
However, if according to the profit rollover algorithm, the monthly interest rate is 15%, after one year, it is the interest of 5.35 times the principal!
If this rests in ancient China, it can be regarded as a loan of conscience. Why? It is really not much to give more than five times the interest in the famine year. After all, the farmers in Huaxia planted land, and the harvest ratio was as high as 1 to 10.
However, in this era of Europe, life is about to die!
In recent years, European farmers cultivated land, and the harvest ratio was generally between 1-3 and 1-5. The interest rate of 5.35 times has definitely exceeded the limit of farmers. What's more, these farmers have to pay rent!
It is precisely because the harvest ratio of European farmers in this era is too low, so the general usury interest rate will not exceed 3 times. If it is more than 3 times, there is basically no possibility of affording it.
But Marin's purpose is to make those victims can't afford it!
Originally, Marin planned to send people to loan usury with food. However, considering that he has no foundation in France, he didn't want to collect debts ...
Therefore, if you want to persecute French farmers, you can only work with local bullies and nobles to set up local farmers.
Farmers, this year is basically illiterate, of course it is pitfalls. In the 12th power of 1.15, even the literate nobles in this era may not be easily calculated, not to mention the illiterate farmers? If you change to a good mathematics businessman, Marin will not use this method.
This method is actually quite normal in ancient China. A loan shark with multiple times of interest can be regarded as a conscience, and a dozen times as much. And the interest of more than ten times is the legendary profit roll and usury. This kind of loan is similar to what Marin wants to do. It takes advantage of the vulnerabilities of peasants and uses lucrative monthly interest rates to attract loans. However, every month will be profitable, and after a long time, the farmers will not be able to afford ...
The reason why those landlords engage in such usury is mainly to acquire land. When the self-cultivator borrowed the loan sharks and couldn't afford it, he had to use his own fields to pay off the debt. And the landlord who lends money also uses this to achieve the purpose of merging the land. There is more and more land in the family ... And the ancient gentry class, this trick is very slippery ...
The reform of Wang Anshi in the Northern Song Dynasty, among which the green seedling method, is to propose the use of official loans in an attempt to replace the loan sharks of those landlords. Although the annual interest rate of the official loan is as high as 40%, compared with the interest rate of the landlords which is several times, it is simply an angel ...
But Wang Anshi's move also touched the interests of the big landlords, and was met with a crazy counterattack by the landlord class, which led to the failure of the reform ...
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In this year, the European turtle turtle nobles still used the simple and direct loan method of two or three times the annual interest rate. Only savvy Jewish merchants will understand the use of profitable loan sharks. The main reason is that the nobles of the turtle turtles are not high in education. Let them play profit and profit, it is estimated that they are not too much.
However, this time Marin planned to send a group of spies who are proficient in computing and French to take the initiative to come to the service to help those greedy and rough French aristocrats ~ www.wuxiaspot.com ~ help them pit local farmers. Especially for those who are self-cultivating farmers, they are deliberately tempted to lend them loans and make them ultimately unable to afford them. Then, the details of the land merger ...
Once the land is lost, those French self-cultivators lose their guarantee of survival. At that time, Marin can still recruit people ...
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In addition to the vicious means of profit-making, Marin also provided another vicious means-doing tricks on the seeds loaned to farmers ...
The specific method is to mix the partially steamed wheat into the seeds and lend them to the farmers. In this way, during spring tillage, these unlucky farmers planted this problematic seed, and the germination rate was naturally very low. By the time of the autumn harvest, it is certain that he can't afford to usury anymore, and can only sell land, or even sell children ...
This kind of evil means was not known in which novel in Marin's previous life. However, in that novel, the seeds were completely steamed, so that the farmers could not harvest.
However, Marin believes that it is too obvious to steam the seeds completely. The nobles also want to be face-saving, and it would be blamed for doing so obviously and so absolutely. And replacing some seeds with steamed "dead" seeds is more concealed. Seeing the seeds germinate, the farmers will have no doubts, and will only think that it is a natural disaster or something. But when the food is not enough to pay the debt, they still have to be unlucky ...
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All in all, whether it's profit-making and loan-sharking, or steaming some of the seeds, it is a way to harm the French victims. Even though Louis XII is currently doing disaster relief, and most of the victims have survived the crisis, they can wait until next autumn's harvest, when the harms of loan sharking and steamed seeds break out, those French farmers will still be unlucky and have to go bankrupt and become refugees. At that time, it was also a good time for Marin to recruit ...
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