Jingwen listened to Ma Zhou's words, of course, he knew that this Ma Zhou had also learned badly, and now Ma Zhou had also learned to "pit" his successor. If Ma Zhou borrowed in the name of the Mengjin County government, and he borrowed a large amount of money, which is difficult for Mengjin County to repay, I am afraid that Ma Zhou will build a river embankment at that time, and then the people will enjoy farming with peace of mind, and then he will pat his ass and go to another place to take office in a state. As for the deficit in the county's borrowing, it was left to the next county magistrate. And the next county magistrate will have a headache, when will such a large sum of money be repaid! With the financial resources of a county-level administrative unit, I am afraid that it will take a long time to pay it off. I have to say that Ma Zhou also learned badly, and actually learned those broken things in the officialdom. Sure enough, officialdom is to train people, and after good people enter, they all become extremely treacherous. In this kind of deceitful place, if you can not be treacherous, you can't live at all.

However, for Jingwen, if the loan is given to Ma Zhou, then I am afraid that Mengjin County will not know how long it will take to repay the loan. And going through so many county orders is even more risky. In case one of the prefectural orders does not want to repay the loan, then I am afraid that the road to debt collection will be very difficult. Moreover, if he borrows money to Ma Zhou this time, then next time other officials come over and want to borrow, how can he solve it? At that time, those officials will also take Ma Zhou as a precedent and let the bank take out loans, which may be even more confusing.

Moreover, many of the deposits in the bank are not Jingwen's own, but depositors' deposits. In fact, the characteristic of banks is that they operate in debt, but they owe money to depositors. If the government has no ability to repay the loan, but borrows most of the money, it will be a bunch of bad debts. At that time, if the depositors can't withdraw the money, Jingwen's bank will completely collapse and be stillborn. Therefore, this Ma Zhou's borrowing must be cautious! If you borrow for the sake of old friends this time, then there will be endless troubles in the future.

"Ma Zhou. Do you have any repayment options? Jingwen asked.

Ma Zhou was a little hesitant and said, "This, you should be able to pay it back!" I think that our Mengjin County is also a rich county, so we should be able to repay it! ”

"Ma Zhou, you idiot!" Jingwen couldn't help but scold.

This Ma Zhou is really superb, obviously he came to borrow, but he didn't even have a repayment plan to figure out. People can borrow money and get a repayment plan, but this guy doesn't even have a plan, how can you let people borrow!

"I'm not inexperienced!" Ma Zhou said with some grievances.

Jingwen finally felt better. After all, in ancient times, the government actually borrowed relatively little from merchants. In ancient times, the government had several scruples about borrowing money from merchants. One is that they are afraid of their own face, the government is short of money, and they have to borrow money from businessmen, which is a bit embarrassing for the ancient government. Of course, it was not an uncommon thing in later generations, but in ancient times it was a great disgrace. Therefore, the government rarely borrows money from merchants. And there's another reason. Merchants may not be willing to lend money to the government, because they are also afraid that the government will repay their debts, because the strength of the merchants is not the opponent of the government, so once the government pays their debts, they have no good way.

In this situation where both parties have great scruples. Often, borrowing is actually very difficult to implement. Therefore, it is not surprising that Ma Zhou has no experience in borrowing. However, Jingwen must also have a repayment plan. If Ma Zhou's forehead has a plan, then with Ma Zhou's red-mouthed and white-toothed words, Jingwen will not be able to lend money to Ma Zhou. After all. No one's money is blown by the wind, especially the bank's money is the depositor's deposit, and there must not be any bad debts, otherwise it will be a great blow to the bank's reputation.

"Jie Shuai, can you help me design a repayment plan?" Ma Zhou said.

"Damn it, you're shrewd!" Jingwen scolded with a smile.

Ma Zhou knew that he was not good at doing this kind of calculating thing, so he took the initiative to put the responsibility on Jingwen and asked Jingwen to help him formulate a repayment plan. However, there is no way to do this, because Jingwen is a bank, after all, sometimes he has to help the lender set a repayment plan. However, this is also a common thing in later banks, because many banks will do this to help depositors design repayment plans. Therefore, Ma Zhou was also crooked, and happened to think of an important business of Jingwen Bank. However, according to Jingwen's heart black Cheng dù, the so-called help to design a repayment plan, this is also an additional charge.

"For the sake of our relationship, I won't charge you for your services. You sue me, what income do you have, I can consider setting up a repayment plan for you! Jingwen said.

Ma Zhou began to calculate the situation of Mengjin County one by one, especially the financial situation. And Jingwen also roughly understood that although Mengjin County is close to Luoyang, it is still mainly based on agricultural production income. Agriculture, on the other hand, is based on rent, and income is mainly based on grain and cloth. However, some of the money has to be handed over to the higher authorities, and there is not much that can be used to repay the loan.

"Boss, I'm afraid it's better not to borrow this money! With Mengjin County's ability, I am afraid that the repayment of 200,000 yuan will not be paid in more than 50 years, so ......," said the bank's accountant.

The accountant of this bank has clearly pointed out that if Mengjin County borrows 200,000 yuan, it will probably have to repay the loan for more than 50 years. This makes people vomit blood, where can a county afford it? And more than fifty years, then wait for Jingwen's son to ask for the account!

When Ma Zhou heard this, he obviously saw that Jingwen was indeed a little embarrassed, after all, businessmen have to avoid risks. Ma Zhou also has a headache, he wants to make some political achievements and obtain political capital, why is it so difficult!

"What about your business taxes?" Jingwen asked suddenly.

Ma Zhou smiled bitterly and said: "Does commercial tax also count?" Business tax is just that, it's nothing. ”

Jingwen heard this, and then carefully recalled the current commercial tax system of Datang, and suddenly his eyes lit up. Because Jingwen found that this commercial tax can be used as an article, and the article is also very interesting.

"Ma Zhou, you go and write a note, and then send it to the Datang Political Research Office managed by me in the name of the county order of Mengjin County, and then I can help you solve the next matter." Jingwen said.

"Tiao Chen? What's that? Ma Zhou asked. (To be continued......)