Chapter 112: Wang Yue's Chance

Zhu Qizhen said: "I am in a hurry to use the money and want to borrow a sum of money from Wang's silver shop. ”

The old shopkeeper was slightly stunned and said, "Forgive me for being clumsy, I don't know who the noble person is?" ”

Zhu Qizhen gave Huaien a look. Wynne immediately understood and stepped forward and said, "My family is the new prefect, and my hands are a little tight. Please make it easier. ”

The old shopkeeper said: "It turned out to be an adult, and he was rude, but he didn't dare to disobey the orders of the imperial court." Thank you for your understanding. ”

Emperor Taizu's Ming Law explicitly forbade loans to officials who were about to take office.

This was also inherited by the Qing Dynasty.

It's useless to just ban it. In the Qing Dynasty, official debts emerged one after another, and almost every official had to owe a large amount of money in order to take office, and he could only borrow money to take office, and then increase his efforts to scrape the land in order to recover his capital.

Now, although there are not many of them, there are some signs of it.

The Wang family's money shop naturally did such a thing.

It's just that both of them are fresh faces, and this is also a forbidden thing, how can you admit it?

Zhu Qizhen didn't care either, and said, "Don't you lend money here?" ”

The old shopkeeper said: "Generally, there are loans, not much. ”

Zhu Qizhen secretly said in his heart: "The tone is strangely tight. "I don't know what to ask. After all, although he has not revealed his identity so far, he is a little suspicious.

There are many things that this old shopkeeper will never tell the living.

Zhu Qizhen motioned to Huai En, and Huai En immediately took out a token, but it was in vermilion lacquer and white letters, which read: "Arrest by order." "But it's the waist card of Jinyiwei.

The old shopkeeper was taken aback.

Although after Zhu Qizhen ascended the throne, Jin Yiwei rarely did anything in Beijing, but Jin Yiwei's reputation did not dim, but became louder and louder.

Huaien said: "Let Wang Yue come to see my family." I knew he was in the backyard. Don't toast, don't eat, eat and drink. ”

The old shopkeeper trembled with fright, his face was as pale as dirt, but he didn't dare to say anything, so he could only go back to Wang Yue immediately, and then the door panel of Wang's money shop was put down one by one.

It is also a cold shop in itself, which saves the procedure of rushing guests.

Soon Wang Yue came over, he wanted to send someone to see Xian Jing. After all, the capital is not his base camp, and the dignitaries and nobles he can contact are Xian Jing.

It's just that he immediately found out that people can't get out. He could only sigh and shake his spirits, whether it was wealth or disaster, and it was a disaster that could not be avoided.

Wang Yue came to the front and saw that Zhu Qizhen had already sat down to drink tea.

Wang Yue stepped forward and saluted and said: "When adults come to the store, they are full of brilliance, and their little sincerity is not a tribute. Immediately, Wang Yue took out two ingots of gold from his sleeve, although they were not big, they were about twenty taels.

Don't look down on two ingots of gold, exchange them for silver

It's about two hundred taels. A lot of people's life savings if they can have so much, it is already good.

Zhu Qizhen looked at the gold, it was in good condition, but he didn't move and said: "I came to you today, but it's a thing, I have a sum of money, I want to put it here to live, can I?" ”

When Wang Yue heard this, he suddenly breathed a sigh of relief in his heart.

Wang Yue has seen a lot of such things.

Does Wang's money shop have a money saving business? Yes. But not much. After all, in this era, saving money has already given interest. With such a big industry as the Wang family, it naturally needs some money to turn over.

However, the scale of lending is not enough, and naturally it does not dare to solicit a large number of depositors.

After all, most of the Wang family's profits now come from the handling fees of remote deposits and withdrawals. Most of these deposits and withdrawals are free of interest. However, some people dare not accept the money, and they can't not accept it.

It's this kind of official.

They have money in their hands, and they don't want to take care of it themselves, so they directly stuff it to Wang Yue and agree on how much interest they will have every year. Wang Yue didn't dare to agree, after all, these people had a way to toss Wang Yue to death.

But this is not without its benefits.

Wang Yue has a lot of money in his hands, and the Wang family's property will be taken care of by the magistrate in many places, and the logic is self-evident.

But a large part of the profits in Wang Yue's hands have been stuffed into this bottomless pit.

Wang Yue said: "I don't know how much interest money adults want? ”

Zhu Qizhen raised a finger.

Wang Yue said: "One point? ”

Zhu Qizhen said: "Yicheng." ”

Wang Yue said: "This is impossible, please ask your lord to please be smart." ”

Zhu Qizhen said: "Wang Dongjia listened to me after speaking, I didn't take this for nothing, this Jinyiwei's signboard can be lent to you for use, see if you dare to repay the money, you can go sideways when you are in Beijing in the future." ”

Wang Yue pondered for a while and said, "Thank you, for your kindness." My Wang family can't do this. ”

Emperor Taizu ordered that usury was prohibited, that no interest should be allowed to exceed the principal, and no interest was allowed to roll. However, there is not enough enforcement, and these legal provisions are all dead letters.

Therefore, the private usury is very high.

Zhu Qizhen asked for a percent interest money, which was to force Wang Yue to lend usury. You have to go out of nine out of thirteen and so on to get back to your roots.

Wang Yue never did such a thing.

As soon as Wang Yue came to find that in fact, usury seems to be very tempting, but many times, very little of the money released comes back, and it is enough to squeeze the other party's family to ruin and die, and it is enough to pawn his wife and sell his children.

Among them, there are a lot of things that Wang Yue doesn't want to borrow, such as playing lines, without this kind of ancient blackness will urge debts, how can it be possible to take back the money.

This kind of usury business seems to be very profitable, but in fact it is not so good. And it often involves human life.

It's not that Wang Yue's hands are very clean.

To tell the truth, there are a few good stubbles in the shopping malls in this era, and even some people around Wang Yue have also killed people.

Second, it was Wang Yue's heart that was unwilling to do this thing.

This is the Confucian merchant advocated by the Hui merchants.

Of course, this concept is not good now, but it has already taken shape.

As far as Wang Yue is concerned, if he hadn't been able to study, he wouldn't have been able to do business. Now he is rich, but he still lets his children study.

In Wang Yue's heart, he actually regarded himself as a scholar. It is nothing more than the situation that forced me to do business. But what to do is secondary, and he is like a Confucian scholar in his heart.

Therefore, he did not want to do these acts that hurt people's lives.

Zhu Qizhen sneered and said, "You have to think clearly." I'm leaving here today, and I don't know who it will be next time. ”

Wang Yue's face changed slightly, he couldn't help but worry about the threat of Jinyiwei, and said: "I am willing to give my lord ten thousand taels of silver every year, but this is just this one thing, please forgive me for being difficult to obey." ”

Zhu Qizhen clapped his hands lightly and said, "Okay." ”

The reason why Zhu Qizhen tested Wang Yue like this was to use him.

Finance is too dangerous, but if you let someone with a bad mind get it, it is likely that something will happen. Since Zhu Qizhen wanted to entrust the big thing, he came to try it himself.

After all, if Zhu Qizhen really wants a government-run bank, the position of this bank in Zhu Qizhen's heart is not under the household department.

Zhu Qizhen said, "Mr. Wang, please take a seat." ”

Wang Yue was a little surprised for a while, his eyes turned twice, and his heart was already determined. Zhu Qizhen is not a Jinyiwei. But it should be a big shot.

Wang Yue sat down and said, "This adult, why are you playing?" ”

Zhu Qizhen said: "There is a big deal, do you know that there will be a shortage of money at the end of this year?" ”

Wang Yue said: "Naturally, I know. ”

After all, Wang Yue is in this business, how can he not know such market fluctuations.

Zhu Qizhen said: "Now Pepsi uses silver, if the price of silver is not stable, the world will be chaotic, Mr. Wang, as a big businessman in the world, I don't know what to think about this matter?" ”

Wang Yue's heart moved, and he said with a little temptation: "If you are not in your position, you will not seek your own government." ”

Zhu Qizhen smiled lightly and said, "Mr. Wang, don't you know that Sang Hong is a sheep?" ”

How could Wang Yue not know that this merchant was born and became a minister of Emperor Wu of the Han Dynasty and formulated the economic policies of the Western Han Dynasty for decades. When he heard Zhu Qizhen say this, his heart was pounding.

Although he still doesn't know who Zhu Qizhen is, he feels that this is an opportunity. If he could grasp it, his life would be very different.

It's just how to catch it, Wang Yue has some worries. After all, he had never thought about it from this aspect, and at this moment, he might not be able to explain it clearly.