A few days later, Fang Li met Cheng Lin who came to Chang'an Town under Huang Bin's recommendation.

After discussing with Cheng Lin, Gong Fanwu made up some of the regulations required for lending that he had found. After that, he returned to the capital. Before leaving, he instructed Cheng Lin that even if he let go, there was a thousand households in Hangzhou in Jinyiwei, and all troubles were not a problem. What is important is that after the first loan was released, we should take the opportunity to promote it so that more people know the existence of Sihai Piaohao and know that the interest on the Piaohao loan was much lower than that of others.

Gong Fanwu talked with Cheng Lin that the interest on loans is secondary. The important thing is to make many merchant workshops that lack funds move and produce more items. That is the ultimate goal.

Of course, the items produced by these borrowers will be purchased first by Sihai Commercial Bank, and this item must be written into the loan document.

There was no place for guests in the workshop, so a few people talked at Huang Bin's home not far from the workshop.

Huang Bin brought the teapot to Cheng Lin and Fang Li, sat down and said with a smile: "The boss can rest assured that the future workshop of the boss will be able to hold back. The young man will send all the accounts from the past few days for the boss to check. The silver left by the boss before leaving last time has not been used up, and hundreds of pieces of silk have been weaved. The young man wants to ask the boss, should he transport it together or accumulate some more?"

Cheng Lin waved his hand and smiled, "Abin, you are an expert. If I intervene, I will inevitably have any inappropriate things. As long as you do it with your heart, you can do it. Since there are hundreds of finished products, it is better to bring it back to the warehouse in Hangzhou when I return. There is no hurry. You can just hire a carriage. I have to stay in the town for a few days!"

Huang Bin nodded and responded. Fang Li, who was sitting beside him, looked at the two of them in a conversation enviously, and said to himself: Abin is so lucky. He has such a kind boss, but he doesn't know whether the matter he hopes can be negotiated today.

Cheng Lin looked at Fang Li sideways and said with a smile: "Brother Fang is the same age as Abin? Abin has briefly talked to me about your situation. How long has Brother Fang been in business? What is the situation in the workshop at home? Is there any precedent for borrowing before?

Fang Li hurriedly bowed and said, "If you are returning home, the young man is two years older than Abin, and has been in the silk weaving industry for five years. There are six looms at home and ten workers are employed. The young man and his wife also weave silk on weekdays. The young man has no loan examples before. This time, he heard that the business owner had money to borrow, and the interest rate was extremely low, so he asked Abin to ask for a question!"

Huang Bin nodded and said, "The boss, Ali and my family were similar in their original situation. I was a playmate since childhood. Ali was unspeakable. He was kind and diligent. He has accumulated some family business over the years. When he was chatting with my uncle a few days ago, he realized that Ali wanted to expand. Today, the boss came here, so he dared to recommend it for him!"

Cheng Lin smiled and said, "Since he is a familiar person with Abin, I have something to say!"

Fang Li nodded quickly and sat up and listened quietly.

Cheng Lin said, "I know that Brother Fang wants to borrow money to expand the workshop, but he doesn't know how much money he wants to borrow? What are the things to mortgage? Are you sure to manage the workshop?"

Fang Lisi replied for a moment: "I would like to ask Mr. Cheng, how much interest is for your business loan? If it is as high as Hangzhou Prefecture, I can't afford it. I hope Mr. Cheng will tell you the specific amount!"

Cheng Lin smiled and leaned back on the back of the chair and said, "Although I am the shopkeeper of the Hangzhou Prefecture of the Four Seas Commercial Bank, in terms of vision and insight, it is more than a thousand miles away from Dongwen, the capital general manager! At first I heard the amount of interest set by Dongwen, I was also shocked! Guess, what is the interest?"

After saying that, Cheng Lin looked at Huang Bin and Fang Li with fun.

Huang Bin bowed and confessed: "I have nothing to do with lending. I really don't know the interest rate on the market, but I know that many people's families are ruined because of lending!"

Fang Li bowed and replied: "The young man has the intention of borrowing, so he has inquired about such news from many sources. The most expensive one has an annual interest rate of 40%, and the lower one has a low interest rate of 20%. Is the money placed by the expensive business only 20%?"

This means that if someone borrows 100 taels of silver from lenders, they will have to pay back 120 to 140 taels after the maturity of one year, which is indeed much higher than the annual interest rate in later generations.

Cheng Lin smiled and shook his head repeatedly: "Twenty percent is considered high interest, I'm not so sarcastic! No need to guess, I tell you that the interest on the loan of this business is 10%. If you borrow too much, it will be even lower!"

Fang Li and Huang Bin looked in disbelief.

"Isn't Mr. Cheng coaxing the young man? The interest rate for a business company is so low? There is something unpleasant to say about the small man, so please forgive me!" Fang Li's expression on his face was joy and sorrow.

Cheng Lin looked at Fang Li with a smile and said, "Is it because Brother Fang is worried that Sihai Piaohao dares to lower the interest rate so low, which will cause unnecessary trouble and be implicated?"

Fang Li nodded repeatedly and said, "Yes, the young man is worried about this! As far as the young man knows, lenders in Hangzhou Prefecture and even the Jiangnan area are not affordable to ordinary people. The way of being a high-ranking person is equivalent to stealing the food they mentioned, I am afraid... "

Cheng Lin laughed: "Haha! Brother Fang is so meticulous, I am more optimistic about you! As for the things you are worried about, I can tell you a truth. In the territory of the Ming Dynasty, there is no one who covets the despicable person! No matter whether he is the prefect of Hangzhou or the governor of Zhejiang, he will never dare to interfere in the affairs of the four seas business!"

Fang Li still looked suspicious when he heard this. He was just an ordinary person. Although he wanted to make his family business bigger, he did not dare to get involved in any right or wrong, for fear of being a disaster for borrowing.

Seeing his expression, Cheng Lin expressed his understanding in his heart, but he was still a little dissatisfied. If it weren't for the first order of the ticket number, he would have left long ago.

Huang Bin observed the words and expressions, and felt Cheng Lin's dissatisfaction, so he hurriedly said, "Ali, the boss is not a big talker. When the boss talked to me about building a workshop, I was full of suspicion. Now you have seen it, isn't this just being built? Ali, you've been thinking too much. Where can you go to find such a low interest? Don't miss the opportunity!"

After repeated contemplation, Fang Lisi stood up and bowed to Cheng Lin, "I'm settled! I borrowed 1,000 taels of silver from a business company and bought fifty looms to build a workshop. The remaining money was used for business! The little one had ten acres of mulberry fields as collateral in his home!"

Cheng Lin was very happy when he saw that the first business was about to be completed. He stood up and smiled and said, "Okay! Although the ten acres of mulberry garden is not worth a lot of silver, according to my husband's eyes, Brother Fang is a person who can accomplish things! This matter is settled, so let's make a certificate!"

In the Ganqing Palace, Zhu Youjian was discussing matters with several cabinet ministers, the left and right censors of the Inspectorate, the Minister of the Ministry of the Ministry, and others. The topic was about matters related to the examination in early February.

The New Year has passed and all government offices have returned to normal order. The upcoming examination has been put on the agenda.

The examination is chaired by the Ministry of Rites, so it is also called the Liying Examination. The examination is located in the Gongyuan of the Ministry of Rites in Beijing. Since the examination is the following year of the provincial examination, the examination is also called "Spring Examination", "Spring Examination", "Spring Examination", "Spring List", "Apricot List", etc. The examination time is the ninth day of the second month, the twelfth day, and each examination will take three days.

Wen Tiren took the place and said, "I have started the report to the emperor. Now the students from all provinces have arrived in Beijing one after another, and it is less than 20 days before the examination. Please ask the emperor to confirm the list of relevant examiners for this examination as soon as possible so that if you have a sect, you can quickly start this matter!"

Zhu Youjian picked up the list presented by the Ministry of Rites and read it. The name of Zhang Guowei, the Minister of Rites and Minister of Rites, was ranked first. Then there were fourteen examiners, eight examiners, two supervisors, eleven referees, thirteen press officers, two attendants, two attendants, and two chief officials, as well as a huge team of relevant personnel such as fame, reading, scheduling, and supply.

Zhu Youjian put down the list and said, "Since this list is a careful decision by all the ministers, I will be accurate. During this extraordinary period, the ritual of talent is particularly important. What I said last time should be based on the use of the world. I don't know what the sons who arrived in Beijing in the early stage have gained from this period? I don't want to see the empty and boring words of the paper. Do you hear about the matters of the sons?"

Li Banghua made a comment: "Since the last time the emperor told the priests to this examination, I have gone out to visit in my spare time. After chatting with several scholars, I learned that most scholars have had a preliminary understanding of practical learning. No matter how they used to be, they always call themselves saints and make allusions; some scholars even put down their figures and went to the fields to talk to farmers in person, in order to have a deeper analysis of the sufferings of the people of our Ming Dynasty. From my opinion, this time of recruitment of scholars will be very different from the past. This is actually due to the foresight of the priests. I admire the priests' actions very much!"

Shi Bangyao, the censor of the Right Capital, replied: "I have traveled several times like Li Xiantai, and what I see is roughly similar to Xiantai. The restaurants and tea shops where students gather in daily life are rarely talkative and quoted classics, and more often discussing the daily words of people's livelihood. An ancient saying says: If the superiors have something to like, the subordinates will have much more. According to the saying, this should be a derogatory meaning, but now the emperor's favor is actually the kind of good that the world needs. If this continues, it will surely lead the world from being innocent to being pragmatic! I am also amazed by it!"

Wang Yingxiong smiled and said, "What the two Xiantai said is true, and the pragmatic actions of the emperor are actually like Taizu. If the materials selected in this examination are placed in the prefectures and counties, the people under their rule will benefit greatly, and the grand event of our Ming Dynasty will also come!"

Wen Tiren replied: "Although this move of the emperor is wonderful, the effect will be difficult to show in a short time. I am afraid that the students will also have temporary intentions and use this to deal with it. Therefore, I think that the court should take long-term actions and implement the pragmatic style for a long time, so as not to be suspected of being a tiger with a bad start, and it will also damage the prestige of the emperor!"
Chapter completed!