Chapter 438 The loan officer is too vegetarian
In the time of the cup of tea, the servant introduced a young scholar from outside.
This young man has no characteristics in his appearance. He is a type that is easily overlooked if he is placed in the crowd without looking carefully. However, his eyes are bright and bright, as if he has the firmness of steel.
When he saw Qian Yong, he raised his hands and bowed seriously: "Ru Taisu, the owner of the Earl's House, met Mr. Qian."
Qian Yong did not pay attention to his value. Seeing Ru Taisu’s salute, he hurriedly stood up and bowed, "Mr. Ru has worked hard all the way, don’t salute. This time, Mr. Lai sent you a reminder, otherwise the family will be unlucky and you don’t know what’s wrong. Please give me a bow."
As he said that, he leaned down and bowed down without caring about the identity of the head of the family.
Ru Taisu is actually a proud and arrogant person, but most of her arrogant and arrogant person are contempt for her incompetent colleagues when she is with her colleagues, but she is extremely respectful to her elders.
Seeing that Mr. Qian was intending to salute, he hurriedly stepped forward and supported the man, saying with a panic look: "Isn't Mr. Qian going to destroy the younger generation?
You are a great scholar in Huai'an, famous in Jiangnan. You were fortunate to hear you lecture at that time. Today I am lucky to meet you and want to ask you for advice on the classics. How dare you give this great gift?”
Qian Yong actually wanted to thank him sincerely, but since Ru Taisu insisted on not accepting it, as the head of the family, it was not good for him to reduce his value by himself, so he took advantage of the opportunity to get up and took Ru Taisu's hand to sit down.
"Mr. Ru, the righteousness between her eyebrows is so strong that she can tell at a glance that she is a person with integrity in her heart. My uncle is really full of talents.
Lord Ru is young now and is already a housekeeper. If you follow Master Bo in the future, your future will definitely be limited."
Ru Taisu smiled bitterly and said, "Old man, you have praised it. To be honest, although I am now in the Red Turban Army camp, I have participated in the imperial examinations of the Yuan court in the early years, but I have not achieved any results. At first, I thought that my talents were not enough, and I thought about studying for two more years. Later, I knew which Yuan people who were ignorant were in the same exam as me, but high-ranking officials had to sit and ride horses. I knew that the world would sooner or later change.
Later, my friend Zhang Dashe recommended me and Bo Ye, and he worked under his command. He was also unhappy and thought that how could the small Earl's Mansion tolerate me? Later, after a long time, I realized that Bo Ye's talent was as hard as an abyss and unfathomable as a deep person. Only then did he work honestly and become a homeowner, but he didn't want to be a high-ranking official. As long as he could learn something from Bo Ye, it would be convenient to benefit him."
Ru Taisu self-destructed the imperial examination, but was actually talking about her sad things.
There were many Chinese scholars like him who wanted to join the imperial examination and exchange their fame, but the final result was very heartbreaking.
Those illiterate scholars of the Mongol Yuan, all of whom became high-ranking officials, but talented scholars like them had no way to serve the country.
Qian Yong exclaimed after hearing this: "Although Bo Ye is a martial artist, from the construction of military mountains, Xuyi to today's Shanyang and even Huai'an, everything is very detailed and handled properly. The people live and work in peace and peace, and the place is very peaceful. He is a real person who can control the world and dismount and govern the country. I admire Bo Ye very much."
No wonder this person was able to make a fortune in Jiangnan. Compared with those princes who enjoyed the prosperity after the uprising, most of Zhu Zhen’s subordinates were capable, down-to-earth and hardworking scholars like Ru Taisu.
These people may not be very outstanding in poetry and books, but they are willing to do things for the people sincerely, so how can they not succeed?
Ru Taisu exclaimed: "My uncle is a talented person who is not born. It is really a blessing for his juniors to follow him."
Qian Yong ordered people to make tea and treat them, and the two sat opposite each other and chatted and laughed.
Although he is very old, he is all Confucian disciples, and he has many common points in his words and talks, so he will not be embarrassed when talking. Gradually, Qian Yong discovered that Ru Taisu was not ignorant of the classics, but did not like to talk and behave in his words and deeds. He chose to do many Confucian things by himself.
It is the kind of person who puts what he has learned into practice.
Therefore, Qian Yong admired Zhu Zhen even more. It is understandable that the Huaian family is no match for being able to win over such talents.
After talking for a long time, Qian Yong went straight to the point and asked, "I don't know if Lord Ru is here this time, is there any orders from Master?"
Ru Taisu put down the teacup in her hand and said seriously: "I didn't give any instructions, but my uncle sent his juniors to ask Mr. Qian, is he willing to fulfill the quotation at the investment promotion meeting?"
When Qian Yong heard this, he knew that he could not escape the situation, but he looked embarrassed. After he hesitating, he said, "To be honest, our Qian family is absolutely unwilling to give up these shares. Although the Qian family in Huai'an is not as famous as the Liu family and Zhang family and is generous in money, he is also from the royal family and has some background. How can he do such a thing that goes against his word?
But I was really impulsive at that time. Although I knew that the price was not very high for my uncle, it was indeed a bit stretched for the Qian family."
Ru Taisu knew in her heart that the Qian family was a family of scholars, and she was quite honest.
Thinking of this, Ru Taisu naturally would not make things difficult for the Qian family, so she explained: "Before my younger generation came here, my uncle once reminded me that the Qian family was a family that had been passed down from Jiangnan for hundreds of years. Although it was no longer as powerful as the Song Dynasty, it still had its foundation and its power was strong, and it was not comparable to those small families.
Let me not collide with Mr. Qian. Now it seems that my uncle has real vision.”
Mr. Qian smiled bitterly, "My uncle praised it. This is a shame. The price is too sky-high. Even if our Qian family wants to abide by it, it is still a bit too short of what he said."
I was very depressed in my words.
He really wanted to acquire these shares, but it was too expensive and could not afford it.
As soon as the news that the Earl's Mansion controlled the Salt Field, the share price of the Salt Field instantly appreciated.
As today's chaos is in chaos, most of the princes are devoted to fighting. Few people who are as comfortable as Zhu Zhen to carry out construction and do not want to invade outside.
However, Huai'an merchants also know that Zhu Zhen does have this ability to maintain the basic market of Huai'an market and even radiate the entire Yingtian lineage. So once he really controls the Yancheng business and comes to a salt and iron official business, that is really possible.
You know, if he did this, he could stand on the commanding heights of morality. The salt and iron specialization began since the reign of Emperor Wu of Han.
The current salt and iron transactions of the aristocratic families are all due to the chaos in the world.
However, the Qian family's quotation was too high. Even if you took out all the gold and silver hidden in the Qian family, it might not be enough.
But if he said that the money was not enough to transfer, he felt extremely reluctant, because he knew that this was a wooden chicken that could lay golden eggs.
But if it sells its ancestral property, it is naturally even more impossible.
The salt farm is the hen that lays golden eggs, which is also foreign wealth. The land and houses are the foundation of the family! You are reluctant to leave the transfer; you eat it, but you have no money... This is exactly what Qian Yong is worried about now.
"Haha," Ru Taisu knew Qian Yong's entanglement. In fact, this was not a unique situation for the Qian family, but the current situation faced by the families that obtained the shares. They were at a loss for this matter and were in a dilemma.
"My uncle felt that the merchants had difficulty living in troubled times, so he opened a Huaian Bank in Qu County. I wonder if Mr. Qian had heard of it?"
Qian Yong was stunned, "I haven't heard of it, don't know what this bank is?"
Since Zhu Zhen’s rise, whether it was Yingtian in the past or Huai'an in the present, he always made some tricks he had never heard of, which made people confused and deeply strange.
Ru Taisu said concisely: "It's very simple, lend."
“Lend?”
Qian Yong's face had not changed, and his heart was thrust.
How could Qian Yong be unfamiliar with the matter of "loaning"?
In fact, the Huai'an family and some wealthy temples both operate "loan" businesses, and the Qian family is no exception. No one knows the essence of "loan" better than him.
That is blood sucking! Knocking the bones and marrow, and you will know to squeeze you dry... Why did Zhu Zhen open a lending bank?
Qian never thought maliciously. Is it just to deal with the fact that his families cannot afford to buy the shares they have already subscribed, so that they can create this bank and forcefully "borrow" them from him?
This is too ruthless... Ordinary private "lending" and other common rules are all very ordinary rules.
It is easy to borrow this money, but it is even more difficult to repay it.
If it is a disaster year and it is not paid back in one year, then congratulations, wait for the sale of houses, land, and children to make money... If Zhu Zhen really forces the family to subscribe to the shares, they have to borrow money from his "bank" to buy his own salt farm shares. Within three or two years, I am afraid that the family of these aristocratic families will be hollowed out by Zhu Zhen, and the land in Jiangnan will become his family.
Qian Yong looked ugly and said nothing.
If Zhu Zhen was really like this, I'm afraid not many people would borrow money from him, but many of them collectively launched a wave of boycotts.
They are all families that suck other people's blood, but now you have sucked blood. Who can stand it?
It is possible to rebel with a lever! Qian Xie, who was standing beside him, glared: "Is there any reason for this?
Could it be that if our Qian family doesn’t lend it, he still forces us to borrow it?”
Qian Yong did not stop Qian Xie from getting angry, and he also wanted to see what Ru Taisu's bottom line was.
If he really forced the Qian family to borrow money, he... he didn't know what to do.
Ru Taisu smiled and looked at Qian Xie, and said with a gentle voice: "You don't have to be too excited. Someone is just a message. You are just a glaring at you, and it's useless to scare someone.
First of all, you signed and clerked the shares to subscribe to your Qian family, and even if the lawsuit is over, your Qian family will lose. Don’t you refute this, right?”
Qian Xie's nostrils were sprayed, speechless.
For the sake of reason, the Qian family had to buy this share or have huge compensation.
Is it said that you have money or not, and you dare to speak out and make a random quote?
There is no reason for this.
Ru Taisu smiled and continued, "Besides, I can probably guess what you and Mr. Qian think that my uncle is going to get some profitable usury loans to harm the Qian family, right?"
Qian Yongbian, Qian Xie snorted angrily: "Isn't it?"
Ru Taisu shook her head and said, "No, you are a judge of a gentleman by the heart of a villain. You have wronged your uncle."
Qian Xie asked, "How do you say this?"
Ru Taisu said: "The interest of the bank is unified. According to the current specific circumstances of private lending, Bo Ye stipulates that the interest is one cent per month and there will be no change within ten years."
Qian Yong suddenly widened his eyes: "One cent profit?"
Ru Taisu nodded: "That's right, one point of profit."
He naturally knew why Qian Yong was shocked.
The most popular "Nine out and Thirteen Returns" is that you borrow ten tons of money, but what you get is actually nine tons, and the repayment after maturity is thirteen tons.
In addition, the corresponding interest must be paid, which is generally calculated monthly, about three minutes.
If you calculate it inside and out, it will be a life-threatening person... But what about the interest from the bank?
Just one cent! Apart from a little "stamp duty", there is no more saying.
Qian Yong raised his eyebrows and asked, "What kind of mortgage is needed?"
Ru Taisu smiled and said, "The land, houses, shops, even calligraphy and paintings, and rare things are all available. Moreover, not only the gentry who subscribed to the Salt Field Shares this time, merchants can apply for loans, but all families or individuals who can make their commercial projects recognized by the bank can apply for loans anytime, anywhere."
Qian Yong was shocked again.
Chapter completed!