At the end of the Eastern Han Dynasty

There are also people who take out loans to operate, but the management is not good, and they go bankrupt soon, losing all their money and leaving nothing.

As for the implementation of the imperial court, due to the pressure from the superiors, they simply pursued the quantity, and did not strictly review it at all. As long as someone applied for it and looked decent, they would allocate the loan without checking at all.

So once the bubble burst and the repayment period came, the imperial court could not recover the loan at all and suffered heavy losses.

At that time, Guo Peng slashed at the Ministry of Finance for this matter, dismissed a large number of mediocre officials for dereliction of duty, and fined all the chief officials of the Ministry of Finance with three years of salary, but the financial loss has already been caused and cannot be recovered.

Guo Peng can't deprive those farmers of their land so that they become refugees. Although this is indeed the last resort to punish these people, Guo Peng doesn't have the heart to use it.

For matters involving ordinary people, Guo Peng's policies are always relatively mild, and he is also a lot of forbearance and restraint in his actions, which is completely different from the frequent yelling and killing of officials.

After careful consideration and introspection, he felt that the poor handling of this matter also had his own problems. It was because he failed to intensify the supervision and the regulations were not detailed, so that the officials' operations were simple and rough, which caused this wave of credit crisis.

In this wave, both the civil society and the government have suffered losses.

So in the end, it was Guo Peng who used the money from the internal treasury to pay for the Ministry of Finance and ended the credit crisis. He swallowed the bitter fruit himself and did not transfer losses to the private sector.

Since then, Guo Peng has become very cautious about granting loans.

He specified in detail that lenders must meet a series of conditions before they can be granted a loan.

For example, many guarantors, such as a detailed business plan, such as the tracking and direct accountability of local finance department officials.

Tighten the loan policy through a series of means to prevent the occurrence of bad loans and avoid large-scale bad debts from happening again.

Mr. Guo also has a lot of things to use in his internal treasury. At the moment when the finances are tight, this money, which is equivalent to the national reserve fund, cannot be used casually to support the policy.

The internal treasury has never been Guo's own small treasury, but Guo's confidence to bypass the court and forcibly promote certain policies.

In other words, it is also an extension of imperial power.

Chapter 1542 One thousand four hundred and sixty two thousand mistakes are the fault of the Anxi people

When governing the country, certain policies need to be promoted quickly and cannot be delayed.

However, it was put in the court to discuss the way of taking the national treasury, and it had to follow the laws and regulations set by Guo himself to conduct court discussions and decision-making, resulting in a lot of arguing and prevarication.

Once that time comes, someone Guo will directly use the internal treasury, bypass the imperial court, and directly let the cabinet or the inner court handle it, and forcefully promote the matter as the emperor.

At this time, the court has nothing to do with the emperor.

Because the emperor pays his own money, pays his own people, and handles things by himself, completely throwing you off and not taking you to play, what else can you do?

Money is the uncle.

Therefore, Guo Peng feels that he should be cautious in the state affairs of the state treasury, and not allow people to empty out the money in his internal treasury on a daily basis.

The result of this is that in areas where business development is discouraged, lenders have become very rare, almost none, successfully limiting the scale of business in these areas and bringing agricultural production back to the mainstream.

It can be regarded as a sort of order in a sense, ending the commercial chaos in some places for a period of time.

However, in areas where business development is encouraged, under the constraints of objective factors, even if the restrictions increase, the number of lenders will continue to increase.

For example, Yongliang and Liangzhou and the Western Regions.

The people in Yongliang and Liangzhou and the Western Regions were limited by objective factors and could not live the same life as the people in the Central Plains through agricultural production. They had to find another way to get enough food and clothing.

As a result, the rich set up restaurants and hotels one after another to make money from foreign trade and handicrafts, while those without money were jealous of seeing others make a lot of money, so they borrowed money from the government to set up restaurants, hotels, and engage in foreign trade and handicrafts.

Therefore, the total number of loans in this area is still quite large, at least compared to the less densely populated area of ​​Yongliang Western Region, the proportion of loans is still relatively large.

The imperial court has also been very concerned about this area. The Ministry of Finance has a large number of officials in the branches of Yongliang and Liangzhou and the three prefectures of the Western Regions. Basically, smart and capable officials are arranged in this area.

Taking advantage of the spring breeze of the great development of the Western Regions, many people made money. They stood on the cusp of making money, paid off their loans, and started making profits. They became the first people in this area to become rich.

The so-called pigs can fly while standing on the wind is pure violence. Even if they stand on the wind, they must have the ability to fly.

It is not enough to just fly, you must be able to maintain the flying posture, and you must be able to fly, or you will fall to your death directly.

Obviously, not everyone is good at running a business.

Some people make money and some people lose money, for different reasons.

For example, the cooking is unpalatable, the quality of the drinks is not good, the business environment is dirty and messy, the attitude towards customers is not good, they like to rip off customers and ask for more money, shoddy and so on.

Human greed can always be reflected in all aspects, which is amazing.

Of course, consumers are not fools. Voting with their feet can easily bring down these black shops.

So those black shops collapsed quickly, and the fallen shops were easy to deal with. As long as the loans were not repaid, the officials of the Ministry of Finance went directly to let them close down and go bankrupt, and then asked them to use their family's agricultural production to repay the loan.

Take out the contract signed at that time, supervise it from time to time, and pay back a sum of money every once in a while until it is paid off.

Their land is here, their family members are here, and monks can’t run away from the temple if they run away, and there will be no bad debts.

The black shops that have fallen down are easy to deal with, and those half-dead and barely operating are the most difficult to deal with.

Few customers come to the door, and if the management is not good, it will not be able to make money, and it will not be enough to make a profit even if it is barely maintained. The loan is repaid in installments bit by bit, which seems to be indefinitely.

Let it be closed, it is still alive, people don't want it.

Don't let it close, it's really uncomfortable to see it half dead.

As the westernmost territory of the empire and the administrative region most directly connected to Central Asian merchants, the Zhenxi Protectorate was the first to bear the chain reaction brought about by the war.

The reason why this matter is not very serious is mainly because the economic attributes of the Wei Empire are still dominated by self-sufficient agriculture, and there are only a few people engaged in commerce, which cannot affect the overall economic situation.

The bankruptcy of a few people will not affect the problem of eating for the majority.

The reason why this matter is very influential is of course certain.

Many small restaurants and hotels that were half-dead before could not survive the days when no one came to consume. The shops went bankrupt and closed, and they were unable to repay their debts. When there were too many such people, panic would arise.

The effects of the depression were felt quickly.

When no fewer than ten families came to the government for several days to inquire about related matters, some officials felt that something was wrong, so they reported the matter to Cao Ang. After Cao Ang learned about it, he immediately told Guo Peng about the matter.

Before that, Cao Ang had taken the lead in stopping the review of the establishment of shops, not allowing more shops to open, refusing to provide loans, and comprehensive restrictions. At that time, there was a wave of small public grievances.

But now it looks like, if it hadn't been done this way, there would be several times as many people in the Zhenxi Protectorate's Mansion asking about repayment after bankruptcy.

The problems covered up during the economic boom will be exposed once the economic depression comes.

As the saying goes, who is swimming naked after the flood, now it seems clear.

As time went by, more and more merchants could not survive, and the previous batch of half-dead shops basically collapsed.

Zhenxi Protectorate has five counties under its jurisdiction, and each county has relevant reports sent to Zhenxi City Cao Ang. In addition to Zhenxi City itself, in just five days, more than 130 merchants had financial problems.

Guo Peng took Guo Chengzhi with him and asked him to work with Cao Ang and help Cao Ang run errands.Let him experience for himself what it is like to experience the first ever export-oriented economic crisis at the national strategic level.

Guo Chengzhi is not the only rookie in this kind of thing.

Not only Guo Chengzhi, but everyone encountered and dealt with it for the first time. They were at a loss for such a situation and thought the end of the world was coming.

Many people were quite panic-stricken, and asked with horror on their faces whether they would be caught in prison to serve their sentences or have their heads beheaded, or whether they would be caught as coolies, and they would never be able to see their families again in this life.

Guo Chengzhi witnessed this scene with his own eyes.

There was a middle-aged man kneeling on the ground with a broken face, holding his two young sons and crying non-stop.

There was also a middle-aged man squatting on the ground with his head in his hands, crying "I don't want to die" while crying.

Several other men surrounded an official desperately begging for mercy, asking him to show mercy, not to take them into prison and behead them.

Men were crying, women and children were crying too, and the whole scene was full of crying.

And as time went by, more and more people gathered, and the entire government office had a tendency to become overwhelmed.

Inexplicable rumors have already appeared in the city, saying everything, such as some government conspiracy, some big man's conspiracy, some war is going to happen, some big trouble is going on, and so on.

Then those who borrowed government loans would go bankrupt and those who went bankrupt would die.

Anyway, rumors are buzzing.

Relevant officials of the Protectorate's Mansion urgently held a meeting and called the local branch director of the Ministry of Finance in charge of the matter to have a meeting together.

After research and research, there is no result.

When they went bankrupt, it was not only their own loss, but also the loss of the imperial court's finances. One family is a small amount that is not eye-catching, and more than 100 households added together is not a small amount.

If the spread becomes more severe and more merchants close down, then the number will be even greater, which is not something they can hold on to, and must be reported to the Central Ministry of Finance to attract the attention of the central government.

For that matter, the relevant officials of the entire Zhenxi Duhu Mansion have no good fruit to eat, and the officials of the finance department have no good fruit to eat. When the central government gets angry, it may not know how to deal with them.

The small traders outside were flustered, but they were actually even more flustered.

Cao Ang had been warned by Guo Peng very early on, but after all, he had never seen this scene with his own eyes.

Now that he witnessed this scene with his own eyes, it was difficult for him to adapt at first, and it took him a while to adjust, and he was sure that he was facing a crisis.

And Guo Peng was watching him by his side!

No accidents, absolutely no accidents, must be handled properly to appease the hearts of the people.

He allowed himself to calm down, think carefully, sort things out, and then determined that the first thing he had to do was to appease the officials.

Only after the officials have been appeased can the officials be allowed to come forward to appease the people.

It is necessary to let the officials know that this matter is not their fault, that they are the fish in the pond, and that their psychological burden should be relieved before they can be allowed to do things.

So Cao Ang publicly stated at the meeting that the cause of this incident was not any problem in the Wei state, let alone the mistakes of the officials, but a problem outside the Wei state.

Thousands of miles away, a war between Parthian and the Roman Empire resulted in the defeat of Parthian.

After the defeat of the Parthian Kingdom, it suffered heavy losses. A large number of businessmen who came to the local area to do business either died or were robbed of their properties and could not come.

They can't come, and the locals naturally have no business to do.

Therefore, it is reasonable for those small shops with small size and weak capital to close down first. It is not a so-called war or conspiracy at all.

Cao Ang's statement surprised many officials, and they were the same. They never thought that a war thousands of miles away would have an impact on the economy of the Wei Empire.

But if you think about it carefully, follow Cao Ang's train of thought... Isn't that what it is?

It is because of this situation that no one comes here to consume, and no one consumes. Aren't those small merchants with insufficient assets going bankrupt?

It was the first time for the officials to come into contact with such a thing, and it was the first time they heard such a statement, and they found it very novel.

But what they are most interested in is Cao Ang's other statement, that is, no one is responsible.

This incident was not caused by the officials, but by the wars in other countries. It was because the Anxi Kingdom was too useless and useless to defeat the Roman Empire, which caused the Wei people to lose their business.

So thousands of mistakes are the fault of the Anxi people!

Chapter 1543 One Thousand 460 Big Crisis in the Three Towns West Capital Protectorate

Cao Ang's statement greatly calmed the emotions of the officials.

This brought the panicked officials back to their senses quickly.

They don't want to take responsibility and be punished.

The worst result of taking responsibility would be to lose their official positions and even their lives, which was an unbearable burden for them.

It is common for officials to be afraid of taking responsibility, not to mention officials, ordinary people are also afraid of taking responsibility.

Acting with responsibility behind one's back, one always feels unable to let go of one's hands and feet, afraid to do things here and there, for fear of expanding responsibilities.

Now when they heard that this matter had nothing to do with them, it was caused by the useless Anxi people, and the court would not directly hold them accountable, so they were happy.

Soothe body and mind!

It's not our fault, it's because the An'an people are too bad and has nothing to do with us, so we won't be punished.

wonderful!

The tension and anxiety of the officials group was instantly relieved.

But Cao Ang didn't intend to let them go.

He has a serious face and a loud voice in the enlarged meeting.

"This incident was not caused by us, so the court will not be able to hold us accountable. However, if the follow-up work cannot properly appease the people and lead to civil unrest! That is our unshirkable responsibility!

Once this kind of thing happens, it is possible for me to be the leader, lose my job, or even go to jail. We have one count as one, and no one can escape!So at this moment, it is the time when we need to work together in the same boat, understand? "