Chapter 327: Big flicker

Xiaofu Jialing received Gu Jiu's greeting message, a little confused.
He read the greeting card several times inside and out. It only said that he would visit tomorrow, but he didn't say what he was going to visit.
The butler bowed and reminded: "Old man, Madam Zhao's people are still waiting in the porter, waiting for the old man to reply."
Shaofu Jialing said: "The son Zhao is not in the capital, and Mrs. Zhao came to visit alone, but refused to say what was going on. The old man was a little drummer in his heart."
When the butler heard this, he asked: "Is the old man going to refuse Madam Zhao?"
The Young Man's Family Ling stroked his beard and was silent for a moment, "Tell the person who came here that the old man will be free after noon tomorrow."
The implication is that Gu Jiu will not be greeted to stay in the house for dinner.
If you are free in the morning, you will naturally have to greet you for lunch after talking about business.
The housekeeper led away.
Afternoon the next day.
With a generous gift, Gu Jiu came to the house of Shaofu Jialing.
Seeing the young man’s family ling, she hurriedly stepped forward and bowed to salute,
The younger generation has seen the old ancestor, how is the old ancestor?

Gu Jiu holds the ceremony for the younger generation, and today only talks about relatives, regardless of their identities.
The surname of Shaofu Jialing was Liu, a member of the clan. In terms of seniority, he is a generation higher than the emperor. Although he is still under sixty, he is a few years younger than the emperor.
It is right for Gu Jiu to call his ancestors, and it is also right for Gu Jiu to call his ancestors.
The young man stroking his beard, "Madam Zhao is polite."
"The old ancestors turn to the younger generation. If the ancestors don't dislike him, they call me a small jiu, the family calls me that."
The young man made a laugh, "Sit down and talk."
He flipped through the gift list. The gift is very expensive.
"Xiao Jiu suddenly came to the door, and the old man had a lot of speculations in his mind. Seeing this gift list, the old man was even more suspicious. Can Xiao Jiu tell the old man what happened to him when he came to the door today and gave him a generous gift?"
Gu Jiu pursed her lips and smiled, but she didn't expect that Shaofu Jialing would get straight to the point and directly asked her purpose.
But it’s okay to save unnecessary troubles, and everyone goes straight to the topic.
Gu Jiu was also very straightforward, and directly took out a large stack of land deeds and placed them in front of Shaofu Jialing.
Bai Zhong set up a bureau, looking for someone to pretend to be a businessman from the northwest, and successfully used ten thousand taels to obtain the entire Yuhua Lane deed and land deed from Li's hand.
The Li family bought Yuhua Lane for 50,000 taels, but sold them for 10,000 taels, and lost forty taels.
However, at this moment, the Li family still feels that this business is worthwhile. Otherwise, Yuhua Lane would fall into his own hands and become a cumbersome burden.
The Li family is still mocking the ‘Northwest Merchant’, and mocking the Northwest Merchant for being foolish.
In the current situation of Yuhua Lane, only the unemployed and prosperous people, extremely poor people, and unidentified people will live there.
Rent collection is troublesome in that kind of place. Not a general trouble, but a super trouble.
The Li family, from top to bottom, are unwilling to set foot in that place.
It's thank good for someone to take over Yuhua Lane from them. Even if he lost forty thousand taels, he recognized it.
"Please look at the ancestors," Gu Jiu said softly.
Shaofu's family Ling Wei frowned, full of doubts, "What does Xiao Jiu's move mean?"
"The younger generation uses the land lease as security, and wants to borrow money from the Shaofu, and ask the ancestors to accommodate one or two."
Shaofu Jialing was stunned, "You mean, you are looking for Shaofu to borrow money?"
Gu Jiu nodded, "Exactly!"
Shaofu Jialing stroked his beard and did not rush to make a decision.
"Why do you want to find Shaofu to borrow money? Shaofu never does loan business."
Gu Jiu smiled lightly, her eyes gleaming confidently.
She said mildly, "Shaofu didn't do lending before. Since I started, Shaofu has an extra income, a loan business.
In my opinion, Shaofu is the richest place in the world. So the ancestors didn't realize it was a waste of so much money in the warehouse?
The imprinting of money outside and the rampant loan sharks have forced countless people to go bankrupt, their families broke down, and the wealthy were reduced to proletarians and even slaves. In the more serious case, going up the mountain and dropping the grass is the place where the bandits are harmed.
If there is a government-run lending institution, it will provide loans to people in need at a lower interest rate than loan sharks, large and small businessmen who need capital turnover. Let me ask, in this world's lending business, the major private banks, who can compete with Shaofu? "
Seeing that the young man's orders were unmoved, Gu Jiu added another fire.
She emphasized her tone and said: "Just take the Shaofu's loan of 5 million taels a year, and the monthly interest rate will give you 600,000 taels a year. This is still the least.
As far as I know, in Gyeonggi alone, no less than 20 million liang of silver is circulating in the loan market a year.
Not to mention too much, Shaofu does half of the business, borrowing 10 million yuan a year, and the interest alone is 1.2 million taels. If the monthly interest rate is increased to one cent and five percent, there will be an income of 1.8 million taels a year.
The monthly interest rate of one cent and five per cent seems to be very high, but compared to the monthly interest rate of loan sharks, three cents or four cents is easily a conscience price. It is also a price that can be affordable by the general public.
With the background and financial resources of Shaofu, as long as the ancestors are willing to let Shaofu enter the loan market, private banks will have no living ground.
From now on, in addition to the usury of private banks, Xiaomin also has one more choice. They can choose to borrow from the Shaofu, so that the small people will not be ruined because of usury.
Those who have permanent birth have perseverance. If the petty people keep their possessions, they will naturally not be reduced to slaves, nor will they go up the mountains and fall into trouble. They will continue to be self-employed farmers, have yields, and continue to pay taxes to the court.
If these petty people go bankrupt, become slaves, refugees, or gangsters, it means that the government will no longer receive a penny of tax from them. Not only did they fail to collect taxes, but on the other hand, they had to spend money to send troops to suppress bandits, settle the refugees, and increase the burden on government at all levels.
The Shaofu controls the lending market, lends money to the small people at low interest rates, and protects the small people’s property. This benefits the country and the people, and it is a great thing for the economy and people’s livelihood. The Shaofu does not do it, who will do it?
And it can bring millions of taels of income to Shaofu every year. With ten years of work, if Shaofu can control more than half of the world's lending market, it will not be empty words to bring tens of millions of dollars in a year. Such a good thing can even leave a name in history, the ancestors really want to extrapolate. "
Shao Fu Clan Ling's turbid eyes suddenly burst out with a hot glow.
He asked: "Has anyone ever said that you can speak well?"
Gu Jiu pursed his lips and smiled, changing from his previous toughness and becoming gentle. "There are many people who say that I have sharp teeth and a sharp mouth."
"Haha, the person who said that must have suffered a loss. Xiaojiu, the old man really looked at you with admiration. With your remarks just now, it is enough to argue with courtiers in the court hall."
"The old ancestors are absurdly praised, and the younger generation cannot afford such praise."
"No, you can afford it. But the old man has a question that I want to ask, are you thinking of what you just said, or is there someone who is pointing behind you?"
Gu Jiu smiled and said, "It's all the younger generation's own thoughts."
Upon hearing this, the young man's family Ling looked at Gu Jiu with admiration.
"The old man underestimated you before. I didn't expect you not only to be eloquent, but also unique in thinking. Do you know why Shaofu doesn't do loan business?"
Gu Jiu shook his head, "I don't know."
Shaofu Jialing asked again: "Then do you know which big banks are in Beijing?"
Gu Jiu nodded, "I know, there are six major banks in Beijing, and all of them have strong financial resources."
Shaofu Jialing stared at her, "Then do you know who is behind these six major banks?"
Gu Jiu lowered his head and smiled, "My ancestors are asking me to test me. Although the younger generation does not know who the backers behind the six major banks are, I guess it is nothing more than civil servants, military generals and royal family members. Maybe our Ning Palace also participated. A lot. But what?"
The young man frowned slightly.
Gu Jiu said in a loud voice: "I don't believe that the backers of these six major banks can be greater than the emperor? The emperor is angry and corpses millions. With the emperor's prestige, he endorses the Shaofu, not to mention the six major banks, even ten. Large banks, in the face of the financial background and financial resources of the Shaofu, they are all shit!"
Jialing Shaofu was taken aback for a moment, and then burst into laughter.
He pointed to Gu Jiu and kept smiling.
After laughing, he said: "You are right, the sky is big, the emperor is the greatest. Regardless of how strong his backing is, he is not the emperor. Fighting for money, the Shaofu recognizes the second, and no one in the world dares to recognize the emperor. One. The old man was blindfolded before. Let’s talk about how much money you want to borrow."
Gu Jiu smiled, "Old ancestors are willing to lend me money from Shaofu, I don't know how much interest is paid?"
The young man’s clan laughed, "For what you have said, how can the old man not agree to it? The monthly interest rate is just one and five percent as you said. This is already a conscience price, but you said it yourself. ."
Gu Jiu's mouth twitched.
Xiaofu Jialing asked her, "You haven't said how much money you want to borrow?"
"I want to borrow two hundred thousand taels of silver."
Originally, Gu Jiu's plan was to borrow one hundred thousand taels, but when the words came to her lips, she suddenly changed her mind and directly borrowed two hundred thousand taels.
Finally, I was able to borrow money from Shaofu, and I didn't borrow more. Wouldn't it be a waste of this great opportunity?
"How long is the deadline?"
Gu Jiu considered it, "One and a half years."
"No, the old man can only borrow for one year. After one year, you will have to pay for the total amount of 236,000 taels, all of which will be returned to the Shaofu."
Gu Jiu gritted his teeth, "One year is one year."
At this moment, Gu Jiu was very happy and very regretful.
Knowing that she could borrow from Shaofu, why bother saving money and expanding her industry like a snail.
If she had borrowed a few hundred thousand taels from the Shaofu last year, her industry would have expanded tenfold. She has long been a rich woman.
In Gu Jiu's eyes, there are business opportunities everywhere in Beijing, Jiangnan, Northwest.
Moreover, she has the blessing of identity, except for the indifferent people like the Li family, she has no disadvantages in doing business.
With her mind and business model, there is no business that is not profitable.
Lesson learned this time.
After no money, she will seek alms from the young man's family.
This time she borrowed 200,000 taels, and she strived to borrow 1 million taels next time.
As for the interest, it is calculated based on her profit, and the interest does not care at all.
Xiaofu Jialing told her that tomorrow, someone will be sent to the Shaofu to go through the formalities. After the procedures are completed, the silver can be taken away from the young mansion.
Gu Jiu smiled sweetly, "Thank you ancestors. Tomorrow I will go to the Shaofu to complete the procedures on time."
The Shaofu family ordered Duancha to send off the guests, and Gu Jiu was also very witty, got up, bowed to leave.
After she left, the family order of the young mansion ordered people to prepare for court, and he wanted to enter the palace.
...
Imperial Palace, Xingqing Palace.
Shaofu Jialing was dressed in court clothes and sat in a chair.
He is a rare person who was given a seat in Xingqing Palace.
At this moment, he was chatting with the emperor about the Shaofu loan. And the content all comes from Gu Jiu's ideas.
After hearing what the young man had said, the emperor asked: "These are all Gu Jiu said?"
"Weichen dare not deceive your Majesty, these thoughts are all from the mouth of Madam Zhao."
The emperor walked back and forth in the hall with his hands on his back.
"This is a good idea, if it can really bring millions of taels of income to the Shaofu in a year."
"Weichen also knows a thing or two about the lending market in Gyeonggi."
Shao Fu Jialing subconsciously used Gu Jiu's words to borrow the market.
He continued: "In the Gyeonggi area, especially the self-employed farmers, when they are out of business, eight out of ten companies have to rely on loans to survive.
If you don’t borrow, you will have to be hungry, there will be no seeds, and no cattle, which means that a year’s harvest cannot be guaranteed.
These self-employed farmers generally borrowed loans from local squires and repaid them in spring and autumn. After repaying the loan, there is not enough food to eat, and the next year will have to borrow again.
If there is a reduction in grain production during the famine years, then the self-employed farmers will certainly not be able to repay the loans, and can only sell their children and daughters, sell their fields and sell their land, and become landless tenant farmers.
To be more miserable, you can only sell yourself as a slave, or become a refugee, and become a misfortune.
And those squires who borrowed money are mostly backed by one or several banks. As for the small people in the capital, merchants borrowed money, and the amount was even greater. "
After a pause, the Shaofu Jialing continued: "Your Majesty, according to the statistics of the Shaofu and Jingzhaoyin Yamen, the number of refugees living in Beijing last winter was nearly double that of previous years. Most of them came from bankrupted self-cultivating farmers in Gyeonggi. .Further, there is a famine from the northwest.
These people have already brought serious problems to the security of the capital. According to Jingzhao Yin Yamen Thief Cao, this year alone, the number of theft cases in Beijing has increased by 30% compared with last year. Most of them are caused by the refugees. Many places in the capital have become hotbeds for hiding dirt and criminals.
Weichen believes that great efforts must be made to rectify the security of the capital and to solve the problem of refugees. With Shaofu stepping in to control the lending market, Weichen believes that the root causes of refugees can be reduced. At least the Shaofu will not force the self-employed farmer to ruin. "
The emperor had a serious face, "Have you ever thought about what to do if the money borrowed by Shaofu cannot be collected?"
Shaofu Jialing laughed, "Mrs. Zhao gave the Weichen an idea. She said that if the self-employed farmers can't pay back the money they borrowed, there are two solutions. One is to extend the loan period, tolerate it for a year or two, and tolerate them. Slowly. The second is to pay for work and repay the loan with remuneration. It is a good way to let people who owe money not pay back to perform labor."
"You only talked about self-employed farmers. What should the merchants do with the small people in the capital?"
"Mortgage!" Shaofu Jialing said loudly, "Merchants must have equivalent mortgages, or house deeds, land deeds, or goods of equivalent value. Xiaomin has real estate mortgaged with real estate, and wages are mortgaged with wages. "
The emperor frowned, "What you said, did Gu Jiu tell you?"
"Most of them are the methods she came up with, and a few of them are thought of by Weichen himself."
"You are humble."
The Young Man's Family Ling said solemnly: "Weichen dare not deceive Your Majesty."
The emperor said, "The idea is very good, but the remote villagers will not come to your Shaofu to borrow a few ounces of silver."
"You can set up another government office in the local county."
"Absurd! The villagers suffer from the exploitation of the subordinate staff. You are adding another burden to the villagers."
The decree of the young mansion said: "Your Majesty, the matter of borrowing, does not need to go through the hands of the county officials. All borrowing matters are only under the control of the young man, and no local government may interfere. However, the local government has the responsibility of supervision."
"Are you planning to recruit thousands of clerks?"
The Young Mansion Clan Ling said confidently: "Mrs. Zhao gave the Weichen an idea, and the Weichen thought it was very good, especially to Your Majesty Ming."
"Say!"
The family leader of the young mansion considered it and said, "Mrs. Zhao suggested that veterans should be recruited as loan officers, go deep into the countryside, promote the court system, and handle loans for the villagers.
To prevent usury from harming the villagers and the people of your majesty. Each county can set up two to ten accounting rooms, and one more chief. The wages are measured by the amount of borrowings and the amount of loans recovered.
In this way, it not only prevented the subordinates from harming the villagers, but also reduced the burden of the imperial court without paying large sums of expenses for demobilization. "
The emperor nodded, "This method can do many things in one fell swoop. I didn't expect Gu Jiu to have a talent for ruling the country."