Young crops law is an important content of Xining reform. At first, Wang Anshi was confident in implementing the young crops law, because he tried this law as early as when he was the magistrate of Yinxian County, and the effect was very good. Later, the transshipment in Shaanxi led to the transshipment of Shen Li and JD.COM, which made Wang Guangyuan coincide with each other, and successively carried out "pilot projects" in their respective jurisdictions, all of which achieved good results. In order to be prudent, before the formal implementation of this law, Wang Anshi specially carried out pilot projects in Hebei, JD.COM and Huainan, and after gaining experience, it was officially promoted to the whole country. Moreover, before the promulgation, he added a clause of "no apportionment", that is, it is forbidden to forcibly apportion loans.
However, when such laws were implemented all over the country, the opposite situation appeared: in some places, they were strictly implemented in accordance with the provisions of the court, and they were well implemented, and the people benefited. This law received great support, and the people happily sang praises to the court. However, in other places, there have been serious deviations. The main reason is that these local officials don't act according to the regulations. In the actual implementation process, they try their best to borrow more and collect more. They don't hesitate to issue indicators at different levels and forcibly apportion loans, especially to rich households who don't need loans but have the ability to repay them, rather than to poor peasants who really need them, which has caused the opposition between rich households and poor peasants. People will naturally complain about the new law.
According to historical records, although the interest rate is set at 20% for half a year, local officials often raise the interest rate to 30% or more in private. For example, in Shaanxi, farmers borrowed a stone of old rice from the government, and it was a new good wheat with eight buckets, seven liters and five combinations, which "nearly doubled the profit". Some records even say that the real interest rate has reached three to five times the original setting. If the interest rate is only raised privately, farmers may not borrow if they think the interest rate is too high. But what is terrible is that local officials not only raise interest rates without authorization, but also "suppress funds", that is, forcibly apportion, divide tasks, set targets, and force ordinary people to borrow money. In order to ensure the recyclability of young crops' money, the new law originally stipulated "five or more households guarantee", and we agreed to borrow how much money, and everyone guaranteed each other. In the process of implementation, it turned out that the government forced rich households to provide guarantees for poor households at all levels and distributed young crops to poor households at all levels. When collecting money, if the poor households are unable to repay it, they will ask the rich households for it and pass on the risk of the loan to the rich households.
Therefore, it harms the interests of the people.