"Negotiable feudal bonds? That's not even enough! Who would want such a bond?"

Wu Sangui looked mournful and flexed his fingers to Huang Jiang. Su Sheng calculated: "You may think that the area under our town is not small, but the thalassemia in Gansu and Shaanxi cannot be compared with that in the southeast. And most of the land in this town has been allocated to The following 330,000 households belong to the land directly controlled by this town. There is only one Xi'an Prefecture. In addition, there are Lanzhou City, Guyuan City, Pingliang County, Xining Acropolis, Suzhou City, Liangzhou City and several cities. The surrounding land, as well as some passes and surrounding land, total only 7 to 8 million acres, which is really not much money to make!

How can it be possible to repay so much debt with an income of 7 to 8 million acres of land? Moreover, there was a drought in Shaanxi this year, and many places had no harvest! To be honest, the town’s annual income now includes interest payments It’s not even enough but there are still expenses for the whole town, 33000 households and so many holes to fill, Wu is really desperate!”

Huang Jiang and Su Sheng looked at Wu Sangui with sympathy. He was so pitiful that he had no chance of survival!

But who made you not willing to pull tens of thousands of people to go south to Tianjin in the 17th year of Chongzhen? If you want to go south, now it will be "Zhu and Wu, sharing the world"!

"Don't be anxious, Your Majesty. Since I and Uncle Xin Hui came to Xiangyang, they just want to negotiate with the Duke's creditors on a way to make the Duke repay the debt. I believe those creditors don't really want to force the Duke to death, right? ?”

"Yes, the Duke has a lot of troops. He is really anxious. Will those creditors end well?"

When Wu Sangui heard this, he almost burst into tears, "Don't mention the heavy soldiers. They are all creditors of this town! What this town owes them is a blood debt! If they can't pay it back,"

He stretched out his hand and made a beheading gesture! Ordinary creditors want money, but these old soldiers from Gansu and Shaanxi are deadly! Wu Sangui's boss was seriously injured in Monk Yuan, and he can no longer suppress it. The number of generals and military households in Gansu and Shaanxi There are too many, so the number of people they died will be replaced immediately!

But there were too few Liao people under Wu Sangui, and one less one died. It would take more than ten or twenty years to slowly grow up to replace them! So after the Monk Yuan War, Wu Sangui was already a little unable to control the situation.

Su Sheng smiled and said: "That's right, so the Duke has to continue to borrow money, and his reputation cannot be ruined."

Huang Jiang asked: "My lord, how much debt do you owe in total?"

Wu Sangui shook his head: "It's too much. Interest is added every day. You have to check the ledger for the exact amount."

Huang Jiangdao: "When we talk about a denominator, don't count the interest, just the principal."

Wu Sangui sighed: "The principal is also quite large, more than 2.6 million taels, of which 2.2 million are old debts owed last year and the year before last, and 400,000 are new debts borrowed this year! If the emperor does not allow the withdrawal of the vassal, this town will have to continue I borrowed debt, but the interest rate is so high that even three points of profit cannot stop it. I'm afraid it will be four or five points of profit! What should I do?"

Su Sheng smiled and said: "There is always a way. Can the Lord come with the creditor?"

"I brought some with me. There were twenty or thirty people, all of whom were big creditors."

Huang Jiang smiled and said: "Then let's arrange a meeting with the creditor!"

"Woo"

"Wow wow wow"

"Well, our life is miserable, we are so poor!"

"Qingtian help me"

"I can't live anymore!"

This is a group of loan sharks who are crying out to the two "imperial envoys" Huang Jiang and Su Sheng!

Their loan sharks also lost money!

Wu Sangui had no money, and the Ming court stayed away and refused to take over the loan. What should they do with loan sharks? Not to mention violent debt collection, they would not even dare to go to Dali Temple to sue! And what would happen even if they won the lawsuit?

It is very clear that what Wu Sangui owes is a feudal debt, not his personal debt. The feudal debt must be paid by the feudal lord! Wu Sangui cannot be asked to pay it privately! If the debt is really held on Wu Sangui, the creditor's trouble will be even greater!

According to the provisions of Volume 9 of the "Da Ming Code" "Household Law Money and Debt": Those who default on debts and fail to repay them will be punished with ten lashes for three months if they exceed five guans, and one level will be added for each month. The penalty for crimes is 40 guan, and if they exceed 50 guan, they will be punished by flogging ten times.

If someone violates the rules for three months, he will be punished with thirty whippings, and one level will be added for each month. The crime will be punished with sixty punishments, and the principal and profit will be returned to the Lord.

In other words, if the more than 2 million owed by the Gansu and Shaanxi vassal towns is counted on Wu Sangui, that means sixty spanks. Who is Wu Sangui? Can't afford these sixty spanks? Besides, Dali Temple's

No one dared to beat Wu Sangui to death! He must have been brought down with sixty gentle pats.

Therefore, the debt can only be attributed to the feudal town.

If the feudal lord defaults on his debt and fails to repay it, Dali Temple will not be able to bring it to trial. This matter will probably have to be resolved by launching a war!

Therefore, two lines of lawyers who followed Huang Jiang and Su Sheng explained the clauses about "money debts" in the "Da Ming Law", and a group of creditors could only cry and beg.

"Don't cry, please speak up if you have something to say."

"Isn't it just two or three million taels? Since you dare to lend money to the Duke of Jin, you must be doing big business. Are you crying over this little money?"

After some persuasion by Huang Jiang and Su Sheng, those who should cry still cried, and of course there were those who didn't. That was Wu Sangui's biggest creditor, Jiabusi, one of the nine great imperial merchants of the Qing Dynasty.

Don't look at him sighing in front of Wu Sangui and saying that he might let Duduo chop off his head, but in fact he has a way to fill the hole!

Even if Wu Sangui really failed, he could still find hundreds of thousands or millions more.

Because he has a treasure on hand! There is a bright weapon that was thrown out by the soldiers of the Qing Dynasty in Qufu. This is the treasure left by Confucius! There are so many rich Confucian businessmen in the southeast, why are they not rushing to buy it?

So when he saw others crying so hard, he just felt a little upset. He simply coughed a few times and negotiated with Huang Jiang and Su Sheng on behalf of all the creditors.

"Jia Bao, I have something to say!"

Huang Jiang and Su Sheng looked at each other, and Su Sheng spoke first: "Shopkeeper Jia, please tell me."

"You two gentlemen, please stop talking in circles and be practical. Is this debt still unpaid? How can it be repaid?"

Huang Jiang smiled and said: "Of course debts must be repaid. It is only natural to pay back debts!"

Su Sheng added: "But don't push too hard. If the Duke of Jin escapes, the Ganshan and Shaanxi vassal towns will lose their backbone. If they are taken away by the Donglu or rogue bandits, you will really lose all your money."

Returned."

"But how can Duke Jin and King Dai have the money to repay their debts?"

The speaker was one of Zhu Cijiong's "Old Taishan", a Shanxi businessman, and his daughter had become Zhu Cijiong's concubine. How deep was the trap?

He is very familiar with the financial situation of Prince Dai’s palace, and he cannot make ends meet!

Huang Jiang said with a smile: "Whether the Duke of Jin Dynasty has the money to repay the debt is not a problem. The question is whether the value of the two vassals of Gansu and Shaanxi can be much greater than the debt. If the value of the two vassals is much higher than the debt, the imperial court will withdraw the vassal and take over!"

"What? Will the imperial court really withdraw the feudal vassal?"

"real?"

“This is great”

When they heard that the withdrawal of the feudal vassal was expected, the creditors stopped crying and all looked eagerly at the Huangjiang River. Su Sheng asked.

"Don't worry, everyone. The imperial court's finances are not strong now and it cannot take over the responsibility of Gansu and Shaanxi." Huang Jiang explained, "But when the feudal vassals will be withdrawn in the future, the debts of the Gansu and Shaanxi vassals will be borne by the imperial court!"

Su Sheng took up the topic again: "So now we must find out the debts of Ganshan and Shaanxi. We also need to reduce the interest. Three-cent monthly interest is not enough. We can give half a cent of monthly interest at most. And we cannot allow Ganshan and Shaanxi to borrow uncontrollably.

In the future, Ganshan and Shaanxi Fan Town can only issue debt notes through two banks. The debt notes can be transferred and have an agreed debt repayment date, interest payment date and coupon. As for the previous old debts, a debt repayment date must also be set, so Ganshan and Shaanxi

Don’t be anxious, just wait patiently for the day when the vassal state is withdrawn! During the waiting period, you can still get interest every year. If you need money urgently, you can also transfer the debt."

If Emperor Chongzhen is an unreasonable and good person, then Emperor Hongxing is undoubtedly a reasonable and bad person.

He did not take over the offer of the Gansu and Shaanxi vassals because he did not have the financial resources to do so.

The operating costs of the feudal towns are low, the collection capacity is strong, and the ability to protect the local area is also very strong. When the central government's finances are very difficult, some feudal towns can only be set up to share the financial pressure of the central government.
Chapter completed!