At least if Chen Xi handled it on his own, the fund's flow would be fast, with less occupation, and under normal circumstances, the return rate would be higher. Therefore, Chen Xi was completely uninterested in Yuan Shu's loan plan.
As for the floating loans given to the citizens, that's entirely because the funds are small in scale, with significant human input. While it appears that the return rate is high, in reality, this completely disregards the proportional citizen labor contribution. Thus, Chen Xi would happily offer loans to citizens to foster the prosperity of small and medium-sized workshops.
After all, investing a little money to stimulate the market is also a meaningful act. Once the market prospers, everyone appears to have money, enhancing happiness while also boosting tax revenue. Otherwise, why not just quietly play along with the planned economy?
This is also a significant reason why Chen Xi was unwilling to lend money to Yuan Shu.
