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Text no. 214 Does our Tianxian Palace still offer loan sharks?

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    no. 214 Our Tianxian Palace still lends money at high interest rates?

    Huang Junming thought about it all night. Many things could be done if he didn't want to. This made Huang Junming a little depressed. As a time traveler, this made Huang Junming feel powerful but unable to use it. He was very irritable.  , regarding how to spread ideas to the people at the bottom, in the end Huang Junming can only rely on the locust plague in the second year of Zhenguan. A major disaster will inevitably lead to a major epidemic, so he hopes to be able to intervene by then.

    Today is the first day of the first lunar month, a good day, the first day of the year.  You and Huang Junming thought about it all night yesterday and missed the Taoist New Year Festival in the morning. Fortunately, everything in Tianxian Palace is on track now. Huang Junming does not need to do many things personally, which also saves Huang Junming a lot.  thing.

    The sun is now at noon, and the temperature outside is not too cold, but it is not too warm either. After the New Year's ceremony, Ge Yanlin hurried to Tianxian Palace and stood next to Huang Junming.

    "Master, we have sorted out the income and expenditure of our Tianxian Palace last year." Ge Yanlin said respectfully to Huang Junming.  Huang Junming never asked about matters related to the Tianxian Palace. Ge Yanlin managed everything on his behalf. Fortunately, Ge Yanlin was also a person worthy of the important task. Without Huang Junming having to worry too much, he could manage the size of the Tianxian Palace in an orderly manner.

    "Well, Yanlin. You just know those things in your mind. You don't need to tell me." Huang Junming obviously doesn't care too much about these things.

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

    "Forget it, just talk about it." When Huang Junming heard Ge Yanlin say this, it didn't help his enthusiasm.  Return to Ge Yanlin.

    When Ge Yanlin heard this, he took out a piece of paper from his arms and read out one by one: "Master, last year, Tianxian Palace collected a total of 270,000 sticks of incense from Jingrenfang, Mule and Horse Fang, Carriage and Oxfang and other camps.  At first, because our Tianxian Palace was not built yet, there was no income. The common guest house earned 420 guan due to the stay of pilgrims. The income from performing rituals for pilgrims was 11,000 guan. Sun Daozhang’s wooden courtyard earned 420 guan from treating patients.  . The income is 16,315 guan. The gold shop’s income is 31,170 guan. The total income is 328,885 guan.”

    "Oh? Our Tianxian Palace has so much income this year?" Huang Junming obviously didn't know that his Tianxian Palace had such a high income this year. You must know that in the early Tang Dynasty, prices were very cheap.  The money is enough for a family of three to live without worries for more than half a year.  "But Yanlin, why does our Tianxian Palace still have a gold shop? Does our Tianxian Palace also do bank business?"

    "Back to Master, the gold shop does not mean a bank." Ge Yanlin explained to Huang Junming: "Treasury is owned by every Taoist temple. Since Taoist temples have relatively abundant money, many officials, businessmen, or people who have no money temporarily have no money in their hands.  Farmers would borrow some money from Taoist temples for emergencies and use their fields or other valuable items as collateral. After they had collected enough money, they would return the money to the Taoist temple, and the Taoist temple would charge 30% more silver when lending them money.  The loss of Taoist temples.”

    "Hiss!" Isn't this loan sharking?  After Huang Junming understood what Ge Yanlin said, he secretly breathed in.  It turned out to be 30% interest. What else is this if it’s not a loan shark!  I didn't expect that this Taoist temple would also engage in loan sharking, but it will definitely cause disaster in the long run.  "Yanlin, does the government know about this gold shop? And has it been approved?"

    "Master, you are too worried. All Taoist temples and temples in the world will open gold shops. Of course the government knows about this matter." Obviously, this loan sharking matter is very important to Ge Yanlin.  It can be said to be quite ordinary, and I never thought that there would be any hidden dangers.

    “If the person who borrowed the money cannot repay the money, does he have to hand over the collateral to Guanli?” Huang Junming frowned.  asked quickly.

    "That's natural. These are all written down and recognized by the government."

    "Yan Lin. Listen carefully, the gold shop issue must be resolved as soon as possible. Think about it, we Taoist priests do not pay taxes, but we absorb money from incense, rituals, etc. If things go on like this, Taoist temples will inevitably be rich. There are always some people in the same world.  The turnover is tight, but what will happen if those who come to the gold shop to ask for money are unable to repay the money? The people will become poorer and poorer, while the Taoist temples will become richer and richer. As Taoists, we have less money and less time to spend.  As time goes by, the Taoist temple's land and money are increasing day by day, and the danger has become much greater. Think about it, who in power will let their tax revenue decrease a little bit, while the Taoist temple is extremely rich?! Impossible! Time passes  Sir, the government will definitely find a reason to seal the Taoist temple. You must know that ordinary people are not guilty, but Bi Huai is guilty. By then it will be too late to say anything. Do you understand?"

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

    &nbsp"Yanlin, listen carefully. From now on, except for some emergency funds and necessary expenses, our Tianxian Palace will keep all other money in the register. When there is a natural disaster, it will be returned to the people.  . This is not only for our long-term development, but also for the benefit of the public. Rather than letting the money rot and rust in the warehouse, it is better to do something for the country and the people. In addition, the gold shop can be done,  But don’t go too far. You can extract half of the achievements in the future. If the borrowers are unable to repay, then let them work for the Taoist temple. For example, if they mortgage their land and are unable to repay, then let them continue to plant their original crops.  After the fields are harvested, in addition to their necessary food rations and daily necessities, the rest should be converted into debt according to the market price. Don't block the road for others. Perhaps this will make everyone happy and not hurt the people." Huang Junming  Quickly thinking about the pros and cons, he said to Ge Yanlin.

    Ge Yanlin had never thought of this, but after hearing what Huang Junming said, it seemed that it was really the case. He broke into a cold sweat in surprise, and then asked Huang Junming: "Do I need to tell other temples about this?"

    "No need." Huang Junming waved his hand: "I will tell everyone at the master meeting when the time comes. Besides, our Tianxian Palace is now considered a Taoist sect. You should also understand the principle of what goes up and what goes down. What you have to do now is to translate what Ping Tao said,  Sort it out. And implement it. This matter cannot be postponed."

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    Second update today. Also, Southwest Computer will soon run out of power, so we may have to break our promise again.  I hope everyone understands (To be continued. If you like this work, you are welcome to come to (.) to vote for recommendations and monthly votes. Your support is my biggest motivation.)

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