第1672章 高利贷和蒸熟种子(2 / 2)

欧皇崛起 太上老牛 1486 字 2023-04-01

这要是搁在古代华夏,都能算良心高利贷。为啥?灾荒年给个5倍多的利息真不多。毕竟,华夏农民种地,收获比高达1比10。

可是,在这个年代的欧洲,就要了人命了!

这年头,欧洲农民种地,收获比普遍在1比3到1比5之间。5.35倍的利息,绝对超过了农民承受的极限了。更何况,这些农民还要交租呢!

正是因为这个年代欧洲农民收获比实在太低,所以一般高利贷利息也不会超过3倍。若是超过3倍,基本就没有还得起的可能性了。

但马林的目的,就是要让那些灾民还不起啊!

本来,马林是打算自己派人去用粮食放高利贷的。可是,考虑到自己在法国没有根基,想要讨债也没打手……

所以,想要迫害法国农民,只能和当地恶霸贵族联手,一起设局坑当地农民。

农民嘛,这个年头基本都不识字,当然好坑。1.15的12次方,这个年代就算是识字的贵族都未必能轻松算出来,何况是没文化的农民?要是换成数学好的商人,马林也不会用这种手段。

而这种手段,在古代华夏,其实非常正常。几倍利息的高利贷,都能算良心的,十几倍的都有。而那十几倍利息的,就是传说中的利滚利高利贷了。这种贷款就和马林想要搞的差不多,利用农民没文化的弱点,用看似不高的月息来吸引贷款。但是,每月都会利滚利,时间长了,农民就还不起了……

而那些地主之所以搞这种高利贷,主要是为了兼并土地。当自耕农借了利滚利的高利贷并还不起后,只好拿自家田地来抵债。而放贷的地主,也借此达到了兼并土地的目的,家里土地越来越多……而古代的士绅阶级,这一招都玩得很溜……

北宋王安石变法,其中的青苗法,就是提出用官贷的方式,企图取代那些地主的高利贷。虽然官贷的年利息也高达40%,可是跟地主们动辄几倍的利息相比,简直就是天使……

但王安石此举,也触动了大地主们的利益,遭到了地主阶级的疯狂反扑,并导致变法失败……

……

这年头,欧洲的土鳖贵族们,还是用两三倍年息这种简单直接的贷款方式,只有精明的犹太商人们,才会懂得用利滚利的高利贷。主要是,那些土鳖贵族们文化水平也不高。让他们玩利滚利,估计他们自己都算不过来。

但马林这次打算派出一批精通计算和法语的间谍,主动上门服务,帮助那些贪婪粗鄙的法国土鳖贵族,帮他们坑当地农民。特别是针对那些自耕农,故意引诱他们贷款,并使他们最终还不起。然后,就是土地兼并的细节了……

一旦丢了土地,那些法国自耕农就失去了生存的保障。到时候,马林依然可以去招募人口……

……

而除了利滚利的恶毒手段,马林还提供了另一种恶毒的手段——在借贷给农民的种子上做手脚……

具体做法就是——将部分蒸熟了的麦子,混进种子里,贷给农民。这样,春耕时,这些倒霉的农民将这种有问题的种子种下去,发芽率自然很低。到了秋收的时候,铁定还不起高利贷了,只能卖地,甚至卖儿卖女……

这种邪恶的手段,是马林前世不知道在哪个小说里看到的。不过,那个小说里是将种子全蒸熟了,让农民绝收。

不过,马林认为,将种子全蒸熟了太过明显。贵族也是要面子的,做这么明显这么绝,会被人指责的。而将部分种子换成蒸熟了的“死”种子,就比较隐蔽了。眼见种子发芽,农民们就不会有疑心了,只会认为是天灾什么的。但到时候粮食不够还债,他们依然要倒霉……

……

总而言之,不管是利滚利高利贷,还是蒸熟部分种子,都是坑害法国灾民的手段。纵使路易十二目前赈灾,让大部分灾民渡过难关,可等到明年秋收,利滚利高利贷和蒸熟种子的危害爆发,那些法国农民依然会倒霉,不得不破产沦为难民。那时候,同样是马林出手招募的好时机……

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