At night, Yuwen Wen sat on the couch to read a book, and Yuchi Chifan pinched his shoulders behind him. The couple talked. After Yuwen Wen gave a "warning of the world", his sons went back to their own boats to rest, and Yuchi Chifan also breathed a sigh of relief.

Just now, Yuwen Wen summoned his son to a meeting. Yuchi Chifan heard the palace maid report, saying, "Your Majesty is excited", "The whole family is dragged out to behead his head", and "Your Majesty shouting that it is either stupid or bad."

He also said that "I was granted the title of the island lord in the East China Sea", which made Yuchi Chifan feel nervous after hearing the "urgent report". He thought that Yuwen Wen was scolding the prince or a prince, and was extremely angry and wanted to exile people to the small island of the East China Sea.

As a result, Yuwen Wen was talking about the disadvantages of usury, which made his sons take it as a warning.

"Don't think that loan sharks are no big deal." Yuwen Wen began to "sound the alarm bell" again: "If we are an ordinary couple, you have such a beautiful woman and you will be obtained sooner or later. If you don't need to use strong people, just rely on loan sharks, do you believe it?"

After hearing this, Yuchi Chifan replied readily: "I believe, my husband is right."

Yuwen could hear the perfunctory intention in Yuchi Chifan's tone, put down the book and turned around: "You don't think you agree with this insincere way?"

Seeing that Yuwen Wen looked serious, Yuchi Chifan found that something was wrong and quickly surrendered: "Ah, husband, I'm not dissatisfied."

"In this way, it's still early anyway, let's do a deduction..."

Yuwen Wen likes to "interact" with his wives and concubines. With this way of multiple emotional communication, Yuchi Chifan thought it was the same now, but seeing Yuwen Wen's serious look, he couldn't help but become serious.

To deduce how a beautiful woman was obtained by usury, it means to create a story. The role of the story is roughly as follows:

The protagonist's family is named Wu Dalang, and his wife Pan, who lives in the county town where the couple live. The rich man, Ximen Manor, has a wealthy man.

Wu Dalang is the owner of a small papermaking workshop, and the family's income depends on this workshop, so Wu Dalang is busy running the workshop all day long. The beautiful Pan family is responsible for the accounting and housework at home.

One day, Wu Dalang talked about a deal, and a big merchant ordered a few blank papers from him, which were very large in quantity and had a lot of profits.

However, Wu Dalang's papermaking workshop is a little smaller in scale and needs to be expanded to complete it on a limited date. If the transaction can be successfully completed, the merchant will have large orders in the future and become a long-term "cooperative".

Wu Dalang didn't want to miss the opportunity, but the funds on hand were limited and the deposit paid by the other party was also limited. To expand the production capacity, he had to borrow money. So Wu Dalang thought of the generous rich man, Ximen Manor.

Mr. Ximen is kind, handsome, and has many industries in his family. Although he has no official status, he has made friends with the government and the heroes of the Green Forest. He is one of the top major figures in the local area. Because of his ability, he often lends money.

Wu Dalang borrowed a large amount of money from Ximen Langjun with high interest rates to expand the production capacity of the paper workshop, hired personnel, and worked overtime to produce white paper.

Although the interest rate is very high, Wu Dalang has repeatedly calculated that when he gets the future delivery, he can pay the money with the goods. Although the profit earned is equivalent to nothing after repaying the loan, the scale of the workshop has also expanded. If he takes big orders, he will make a lot of money.

As the days passed, Wu Dalang's workshop finally completed the orders based on quality and quantity before the deadline.

By paying the money with one hand and delivering the goods with the other hand, Wu Dalang paid off the loan. Faced with the new large order placed by the big merchant, he decided to borrow from the owner of Ximen again and expand the production scale to complete the order.

As a result, this time, when the delivery date was time, the big merchant did not show up and there was no news.

As a result, Wu Dalang's capital chain was instantly broken, not only could the cost not be recovered, but he was even nervous about the money for borrowing interest.

Ultimate loans and profits are rising, and time goes by day, and the profits are getting higher and higher. The average daily money earned by Wu Dalang workshops is not as high as the daily increase. In several months, even if they lose all their money, they will not be able to pay it back.

It is natural to pay back the debt. Wu Dalang cannot pay the debt. The owner of Ximen Manor is a well-known charity. He does not send anyone to the door to smash it, but just wants to sue the official.

If the loan notes on black and white paper go to court to reason, Wu Dalang who is owed debts but cannot be repaid (can't afford it) will only be exiled for thousands of miles, and may die in a foreign land. However, there is a turning point in the matter and Wu Dalang escapes.

How could you escape the disaster with so much debt?

"It's very simple. Just hand over all your property, and then ask Pan to sign the contract to sell your body and go to the village to serve me."

Yuwen Wen pinched Yuchi Chifan's chin and said with a smile. In this fictional story, the owner of Ximen was obviously just asking Wu Dalang to borrow money, and then broke the other party's capital chain, so he could no longer get out.

Yuchi Chifan looked dissatisfied: "This... But where does ordinary people get the industry? How can the owner of Ximen Manor be trapped?"

"I don't agree, right? Let's deduce it again."

Yuwen Wen sat cross-legged on the couch and continued to deduce with Yuchi Chifan. He "set" several couples of different identities, including farmers (with land), military households (with land), merchants (who are doing business, sitting in business), officials (small officials, grassroots officials), etc.

These fictional couples all have one characteristic, that is, their wives are beautiful and attract covetousness.

The pretender does not need to use strength or use power to suppress others. He only needs to design a small trap to let the "male protagonist" get involved in loans and then he can't pay back the profits. So the final outcome is the same: he loses everything, his wife sells herself as a maid, and is obtained by the pretender.

Even if it is in trouble, it is useless because it is natural to pay back the money due to debts.

Not to mention playing text games on the loan notes, lenders can even make the loan notes completely unfair. The interest rate is very low, but they make trouble on the principal: the actual loan of 10,000 guan, while the loan notes write about the actual loan of 100,000 guan.

When making a contract, the lender said that this way of writing was just to ensure that if the money was paid back, the interest would be calculated based on the principal of 10,000 jin.

The borrower urgently needed money and accepted it.

As a result, after pressing the handprint, the lender showed his evil intentions as soon as the deadline reached. He took the loan deed and sued the official. Both parties went to court. The black and white words on the loan note said, "Borrowing the principal by 100,000 guan", and the borrower could not argue.

Or, the borrower has raised enough principal and interest before the deadline and wants to pay back the money, but even the lender cannot find the figure - the lender deliberately delays the time and does not appear, artificially causing the borrower to overdue and profits to rise.

At this point, Yuchi Chifan was speechless because Yuwen Wen's deduction had no flaws at all. If she was really from an ordinary family and was targeted by others, then the other party could really "get her" by relying on usury.

Ordinary people always encounter when they are in a hurry to use money but are short of money. If they can't borrow money from relatives and friends, they can only borrow money from others. This kind of loan is basically usury.

"But now it's different. Whether it's farmers waiting to carry out spring farming, merchants, real owners, or military households who urgently need money, they have a better choice..."

Yuwen Wen continued with confidence: "The Guest House Federation headed by Rixingchang is now spread all over the world, lending low-interest loans in various places and using economic means to dismantle usury. With the people who have choices, they will not be so easily affected by usury!"

"But..." Yuchi Chifan reminded Yuwen Wen: "But there are really many people who are unable to repay the loan after borrowing loans. Even if the interest rate is low, they still cannot pay back the profits. Therefore, including Rixingchang, the Federation has more and more bad debts, and they cannot violently collect debts. After all, it is hindered..."

The biggest backer of the Guifang Federation, led by Rixingchang, is the emperor Yuwen Wen. After many years of hard work, many Guifangs have finally cultivated excellent credit and good reputation, so they are very cautious about violent debt collection.

In response to this, Yuwen Wen's answer was very direct: "Then work pays off the debt. You have to know that labor is not shameful."

"The people owed usury from local tyrants, lost their money, divorced their wives and children, and the people owed the emperor's debt, but this would not be the case..."

"Military households only need to double their loyalty to serve the country, farmers only need to double their efforts to work, merchants only need to double their efforts to expand their business scale, and craftsmen only need to strive for excellence."

"And, since it is a personal dependence, it is better to rely on the emperor instead of relying on the powerful and becoming a hidden household who does not pay taxes and does not serve labor."

Yuwen Wen squinted his eyes and hugged Yuchi Chifan: "This is a life-and-death battle."
Chapter completed!