Chapter 327

The home order of Shaofu was a little confused when he received the invitation from Gu Jiu.

He looked inside and outside several times. It only said that he would visit tomorrow, but he didn't say why.

The housekeeper bowed to remind him: "the master, the imperial concubine's people are still waiting in the porter, waiting for the old man to reply."

The young master's family order said: "the prince Zhao is not in the capital city, but the imperial wife comes to visit by herself, but she refuses to say what happened. I feel a little drumming in my heart."

As soon as the housekeeper heard this, he asked, "is the old man going to refuse the imperial concubine?"

The young master stroked his beard and remained silent for a moment. "Tell the visitor that I will be free after noon tomorrow."

The implication is that Gu Jiu will not be asked to stay in the house for dinner.

If you are free in the morning, after chatting about business, you should have a lunch.

The housekeeper was ordered to leave.

The next afternoon.

Gu Jiu came to the house of the young master with a generous gift.

When she saw the young master's order, she quickly bowed forward and saluted, "I've seen my ancestor. How are you doing?"

Gu Jiuzhi junior ceremony, today only on the relationship between relatives, regardless of their identity.

Liu's family name. In terms of seniority, he is one generation higher than the emperor. Although he was still under sixty years old, he was a few years younger than the emperor.

It is proper for Gu Jiu to address his ancestors, and it is also appropriate to hold Junior ceremony.

The young master's order stroked his beard, "Madame Zhao is polite."

"The old ancestors have broken the younger generation. If my ancestors don't dislike it, they call me Xiaojiu, which is what my family calls me. "

"You sit down and talk."

He looked through the gift list. The gift was very valuable.

"Xiao Jiu suddenly came to the door, and I had a lot of speculation in my heart. Seeing this list, I have many questions in my heart. Can Xiao Jiu tell me why he came to the door today and gave him a big gift? "

Gu Jiu pursed her lips and laughed. She didn't expect that the young master's family order would come to the point and directly ask her about her purpose.

But it's good to save unnecessary trouble and get to the point.

Gu Jiu is also very straightforward. He directly takes out a large stack of house deeds and land deeds and puts them in front of the house order of the Shao Fu.

Bai Zhong set up a bureau and asked someone to pretend to be a businessman from the northwest. He successfully took the title deed and land lease of the whole Yuhua Lane from the Li family with 10000 Liang.

Li's family spent 50000 Liang to buy Yuhua lane, 10000 Liang sold out and lost 40000 Liang.

At this moment, however, the Li family still felt that the business was worth it. Otherwise, Yuhua Lane will be smashed in their own hands and become a burden.

The Li family still ridiculed the "Northwest businessman", who was a fool.

In the current situation of Yuhua lane, only homeless people without jobs and property, extremely poor people and unidentified people will live there.

It's very troublesome to collect rent in that kind of place. It's not ordinary trouble, it's super trouble.

The Li family, from top to bottom, are not willing to set foot in that place.

Thank goodness that someone could take over Yuhua Lane from them. Even if you lose forty thousand taels.

"Look, my ancestors." Gu Jiu said softly.

Shaofu home to micro frown, full of doubts, "what is the meaning of this small nine?"

"I want to borrow money from the Shao Fu with the title deed as security. I'd like to ask my ancestor to give me some money."

"You mean you want to borrow money from the young master?"

Gu Jiu nodded, "exactly

The magistrate stroked his beard and did not make a decision in a hurry.

"Why do you want to borrow money from the young master? The Shao Fu never does business of borrowing. "

Gu nine shallow smile, eyes twinkle with confidence in the light.

She said in a gentle tone: "the Shao Fu didn't do loan before. Since I started, Shao Fu has had a business of borrowing.

In my opinion, Shaofu is the richest place in the world. Don't the ancestors feel wasted when they put so much money in the warehouse?

Printing money and usury were rampant in the outside world, which forced countless ordinary people to go bankrupt, their families were destroyed, and they were reduced from the property owners to the proletariat, and even to slaves and maidservants. If it's more serious, go directly to the mountains and fall on the grass to become the enemy's disaster place.

If there is a government-run lending institution that loans to the poor people at a lower interest rate than usury, businessmen and businessmen of all sizes need capital turnover. Who can compete with the major private banks in the lending business of the world

Seeing that the house order of the young master was not moved, Gu Jiu added another fire.

She said in a accentuated tone: "if the government borrows 5 million taels a year, if the monthly interest rate is one cent, the income will be 600000 taels a year. This is the least.

As far as I know, there are no less than 20 million taels of silver circulating in the lending market in the capital area alone.

Not to mention much, the young government does half of the business and borrows 10 million yuan a year. The interest rate alone is 1.2 million taels. If you raise the monthly interest rate to 1.5%, you will have 1.8 million liang of income a year.

The monthly interest rate of 1.5% seems to be very high, but compared with usury, the monthly interest rate of 3% and 4% is already the conscience price. It's also a price that the majority of people can afford.With the background and financial resources of Shao Fu, as long as the ancestors allow Shao Fu to enter the loan market, there will be no soil for private banks to survive.

From now on, in addition to the usury of private banks, Xiaomin also has a choice. They can choose to go to the government to borrow money, so that the small people will not be ruined because of usury.

He who has constant property has perseverance. If they keep their property, they will not become slaves, nor will they go up to the mountains and become enemies. They will continue to be self-employed peasants and property owners, and continue to pay taxes for the court.

If these small people go bankrupt and become slaves, refugees and bandits, it means that the government can no longer receive any tax from them. On the contrary, they have to spend money to suppress bandits and settle refugees, thus increasing the burden on the government at all levels.

The government controls the lending market and lends money at low interest rates to the people to protect their property. This is good for the country and the people, and it is related to the economy and the people's livelihood. Who will do it if the government doesn't do it?

And it can bring millions of taels of income to the Shao Fu every year. If the government can control more than half of the world's lending market, it will bring in tens of millions of taels of income a year. It's really a good thing to keep in the history of Qing Dynasty. "

The original turbid eyes of the young master's family suddenly burst into a burning light.

"Has anyone ever said you can speak well?" he asked

Gu nine pursed lips a smile, a change before tough, become gentle up, "pour is a lot of people say that I have sharp teeth, sharp mouth, cunning words."

"Ha ha, your people must have suffered. Xiao Jiu, I'm really impressed with you. With what you said just now, you can go to the court to argue with the courtiers. "

"The old ancestor praised falsely, but the younger generation can't afford such praise."

"No, you can. But I have a question to ask. Is this what you said just now, is it your own idea, or is there an expert behind your back? "

Gu Jiu said with a smile: "it's all my own ideas."

Hearing the speech, the young master's official immediately took a new look at Gu Jiu.

"I underestimated you. I didn't expect that you are not only eloquent, but also original in thinking. Do you know why the Shao Fu doesn't do loan business? "

Gu Jiu shakes his head, "I don't know."

"Do you know which big banks are in the capital?" the magistrate asked

Gu Jiu nodded, "I know that there are six big banks in the capital city, and all of them have strong financial resources."

The magistrate stared at her, "do you know who are the backers of these six banks?"

Gu Jiu bowed his head and laughed, "my ancestors, this is a test for me. Although I don't know who the patrons of the six banks are, I guess they are nothing but generals of civil servants and royal families. Maybe our prince Ning's residence also took part in it. But then what? "

The young master's brow frowned slightly.

Gu Jiu said with a loud voice: "I don't believe that the patrons of the six big banks can be bigger than the emperor? If the emperor is angry, a million corpses will be buried. With the power of the emperor, you can make an endorsement for the Shao Fu, not to mention the six big banks, even the top ten banks. In front of the financial background and financial resources of the Shao Fu, they are all farts

The young master's order was stunned at first, then burst into laughter.

He pointed to Gu Jiu and kept laughing.

After laughing, he began to say: "you are right, the sky is big, the emperor is the biggest. No matter how powerful he is, he is no more than the son of heaven. If you work hard for financial resources, you will be the second, and no one in the world will dare to be the first. Before, I was blinded by a leaf. Tell me, how much money do you want to borrow. "

Gu Jiu's face was full of laughter, "the ancestor is willing to lend me money from the Shaofu, I don't know how much interest?"

The commander of the young master laughed, "I can't refuse you if you talk about it. The monthly interest rate, as you said, is one cent and five per cent, which is already the price of conscience, but you said it yourself

Gu jiuzuozi.

"You haven't said how much money you want to borrow?"

"I want to borrow 200000 taels of silver."

Gu Jiu originally intended to borrow 100000 Liang, but when the words came to her mouth, she suddenly changed her mouth and directly borrowed 200000 Liang.

It's not easy to borrow money from the Shao Fu. If you don't borrow more, it's a waste of this great opportunity.

"How long is the deadline?"

Gu Jiu deliberated, "a year and a half."

"No, I can only borrow for one year. One year later, you should pay the principal with the interest, a total of 236000 taels, and return them to the Shao Fu. "

Gu Jiu bit his teeth, "a year on a year."

At this moment, Gu Jiu is very happy and regretful.

If she had known that she could borrow money from the Shao Fu, why did she have to save so hard to expand her industry like a snail.

If she had borrowed tens of thousands of taels from the government last year, her industry would have expanded ten times. She has been a rich woman for a long time.

In Gu Jiu's eyes, business opportunities are everywhere in the capital, Jiangnan and Northwest China.

In addition, she has the status of blessing, in addition to the Li family, this is not an eye opener, she is doing business, it can be said that there is no disadvantage.With her mind and business model, there is no business that doesn't make money.

Learn a lesson this time.

When she had no money in the future, she would ask the young master's family order for alms.

This time she borrowed 200000 taels, and she tried to borrow 1 million taels directly next time.

As for interest, in terms of her profits, it doesn't matter at all.

The home order of the young master told her that he would send someone to the Shaofu to handle the formalities tomorrow. If the procedures were completed, the silver would be taken away from the Shaofu.

Gu Jiutian smiles, "thank you very much. I will go to the Shao Fu on time tomorrow. "

Gu Jiu is also very smart. He gets up and bows down to leave.

After she left, the young master ordered people to prepare the court clothes, and he would go into the palace to face the pilgrimage.

……

Palace, Xingqing palace.

The home order of the Shao Fu was dressed in court clothes and was sitting on a chair.

He was one of the few people who was given a seat in the Xingqing palace.

At the moment, he is chatting with the emperor about the government's loan. And the content comes from Gu Jiu's ideas.

After listening to the Shaofu's family order, the emperor asked, "are these all Gu Jiu's words?"

"I dare not deceive your majesty. All these ideas come from the mouth of the imperial concubine."

With his hands on his back, the emperor walked back and forth in the hall.

"That's a good idea. If you can really bring millions of taels of income to the Shao Fu in a year."

"Wei Chen has a little knowledge of the lending market around the capital."

Shaofu family order subconsciously used Gu Jiu's words, lending market.

He went on to say: "in the capital area, especially for the self-employed peasants, when the time comes for the poor, eight out of ten families have to rely on loans to make a living.

If you don't borrow money, you'll be hungry. If you don't have any seeds, you don't have cattle. That means you can't guarantee a year's harvest.

These self-employed peasants usually borrow money from local squires and repay them in spring and autumn. After paying off the loan, there is not enough food to eat, so we have to borrow again in the coming year.

If there is a reduction in grain production during the famine years, the owner farmers will not be able to borrow money. They will have to sell their children and women, sell their fields and land, and become landless tenants.

Even worse, they can only sell themselves as slaves, or become refugees and become bandits.

Most of the gentry who borrowed money were supported by one or several banks. As for the small people in the capital, the amount of loans from businessmen is even greater. "

After a pause, the magistrate continued: "Your Majesty, according to the statistics of Zhaoyin yamen, the number of refugees in the capital last winter was nearly twice as much as in previous years. Most of them came from the bankrupt farmers in the capital. Even further away, they fled from the northwest.

These people have brought serious problems to the security of the capital. According to Cao, the official of jingzhaoyin, the number of theft cases in the capital this year alone is 30% higher than that of last year. Most of it was done by refugees. Many places in the capital have become hotbeds for harbouring criminals.

Wei Chen thought that great efforts must be made to rectify the public order in the capital and to solve the problem of refugees. The Shao government came forward to control the loan market. Wei Chen thought that the emergence of refugees could be reduced from the root. At least the local government will not force the self-cultivation farmers to die. "

The emperor looked serious. "Have you ever thought about what to do if you can't get back the money you borrowed?"

The young master's family order laughed, "the imperial edict gave Wei Chen an idea. She said that there are two ways to solve the problem: one is to extend the loan period and allow them to give up for one or two years. The second is to pay for work and pay for loans. It's a good way to let those who don't pay back the money to do it. "

"If you only talked about the self-employed peasants, what should be done to the ordinary people and businessmen in the capital city?"

"Mortgage!" The home order of the Shao Fu said with a loud voice, "merchants must have the equivalent mortgage goods, or the title deed, or the equivalent goods. Small people have real estate and mortgage them with their real estate. If they have money, they can use their money to mortgage. "

The emperor frowned, "what you said is Gu Jiu and you?"

"Most of them are her ideas, and a few of them come from Wei Chen himself."

"You are modest."

The magistrate solemnly said, "I dare not deceive your majesty."

The emperor said, "it's a good idea, but the remote villagers won't come to your Shao Fu to borrow several Liang silver."

"Another yamen can be set up in the local county yamen."

"Ridiculous! The villagers suffer from the exploitation of petty officials. You have added a layer of burden to the villagers. "

Shaofu's family order said: "Your Majesty's clear warning, the loan matter, does not need to pass the county yamen Xuli's hand. All lending matters are under the jurisdiction of the Shao government, and no local government can interfere. However, the local government has the duty of supervision. "

"Are you going to recruit thousands of petty clerks?"

The home order of the young master firmly said: "the imperial edict lady gave me an idea. The minister thought it was very good and told his majesty."

"Say it

After a moment's deliberation, he said, "Madame Zhao suggested recruiting veterans as borrowers, going into the countryside, publicizing the imperial system, and handling loans for the villagers.In order to prevent usury from harming the villagers and the people of your majesty. Each county can set up two to ten accounting rooms, and another general manager. Wages are measured by the amount of loans borrowed and the amount of loans recovered.

In this way, we can not only prevent petty officials from injuring the villagers, but also reduce the burden of the imperial court, and do not have to pay a large amount of discharge expenses. "

The emperor nodded, "this method can do more with one stone. I didn't expect that Gu Jiu had the talent to govern the country. "

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