Chapter 296 Banks want to lend

At the banquet of the county magistrate, Wang side appreciated Qin Guan very much. He wanted to introduce him as a student of his father Wang Anshi. How could he know that Qin Guan admired Su Shi's knowledge very much. The gentleman had the beauty of adulthood. Wang side smiled and said to Su Xiaomei, "This matter should be done by your wife."

Listening to Wang's words, the county magistrate Xu Liang and Qin Guan both turned their eyes to Su Xiaomei. Wang explained, "My wife is Su Shi's sister. When I have a chance to see Brother Su, I will definitely mention Qin Shaoyou's intention to worship his teacher." Qin Guan was overjoyed. Xu Liang clapped his hands and praised Wang and Su Xiaomei for being a pair of talented and beautiful women.

After the banquet, Xu Liang invited Wang to sit in the study. There were only two people left in the study, Xu Liang and Wang. Xu Liang said, "I heard that the king of Zhennan opened a Taibao bank in the capital to gather talents from all over the world. I have something to ask the king of Zhennan for help."

Wang said with a smile: "Xu County Magistrate, please say something." I thought, I knew you had something to say,

Xu Liang said, "To tell you the truth, I was originally a businessman of the capital, but compared with you, I do small business. By the way, I am a regular customer of your Jinxiu Building~"

At this time, he was still in a relationship. The king smiled and listened to Xu Liang continue to say, "Your Majesty, now I know that there is a big business, but I can't take it. After thinking for a long time, only the prince can do this."

This county magistrate is quite good at looking for people. If Wang can't do something, Wang believes that most people can't do it. "Tell me."

Xu County magistrate cleared his throat: "Cough, here's the thing. In previous years, the royal sacrifices in the southern suburbs, and the court will have allocated funds for the garden and planting trees. This work will not fall on the heads of outsiders. However, by chance, I met Prince Gao, who is in charge of this matter. Prince Gao looked up to me and said that he would divide this work. Let the servant do one, but you also know that these are all about construction first and collection. We can't compare with others. We can't afford to pay in advance.

Listening next to Wang, he picked up the teacup on the table and sip it gently. He seemed to listen to Xu Liang's words with a blank face, but he thought to himself that it was indeed a big business to receive the project of the court, and it was extremely profitable. If you could start from Xu Liang and give a loan to those who could receive the project, it would be good for the operation of the bank. There is also a word called government procurement in modern times. Everyone knows that this is a piece of bun. Let's not talk about others, let's talk about the former tea shop next to the king and his Jinxiang Mansion. These all rely on the procurement of the court to make him get the first bucket of gold,

When Xu Liang finished speaking, he put down the teacup in his hand: "Xu County Magistrate, you said it's really a good business, but since it's in charge of Prince Gao, it's not appropriate for me to help you."

Xu Liang smiled and said, "Your Majesty, let's see what you said. What I need is the turnover of silver. What's the matter with you? You opened a bank. I heard that the millions of taels of silver you need to go south were quickly raised, not to mention that I want to use this little silver. It's a matter of a lot of money to tell you. Son." "

The king thought to himself, I said why this guy was so polite. It turned out that he was borrowing money. He smiled and said, "This is not difficult, but which prince is the prince you mentioned? He can give you the repair of the sacrifice of the garden to you. Moreover, I borrowed money to mortgage my title, and there is another dynasty. Ting gave me a guarantee that if the Xu county magistrate wants to borrow money, does he have to go through the formalities?

The magistrate of Xu County smiled awkwardly: "Your Majesty, I said that Prince Gao is the nephew of the current Empress Gao, named Gao Gonghui. This Prince Gao is in the capital. He has the will of the imperial court to take charge of this matter, but how can this will be in my hands? I also spent it. A lot of money left, and Prince Gao promised to leave me with the repair of the garden at the time of sacrifice next year. This is a big project. That is to say, an artifact used by the emperor needs to be made by 60 or 70 craftsmen. So, don't you have to prepare in advance? If you can accommodate it, I will take over the job, but I don't What can be mortgaged to you? My nine-grade sesame county official is mortgaged to you, and you don't like it. Since you said you want to go through a formality, it's better for you to make a prescription and show the way to the lower official.

This guy's brain is quite smart to make money. Wang Bian also saw royal sacrifices when he was in the capital. The scene is so great that he needs to spend a lot of silver in the court, not to mention that there must be a lot of oil and water in it. If this happened a few years ago, Wang Bian would have used his brain to think about it, but now his There have really been some changes in the idea. It's not that you can't do it, but it depends on how to do it. What's more, Wang Bian began to consider doing it in a more favorable way for the Song Dynasty.

Gao Gong painted the name. He has also heard that there are many relatives of the big and small emperors in the capital. These people hang titles and hold salaries. Some find some ways to rely on the court to make a fortune, and each of them is full of money. If this road is blocked by them, it will inevitably violate their interests. It will be difficult to do things in the future. Wang He pondered for a moment and said, "This is not difficult to do. You can mortgage your house and job field. Since Prince Gao has the will of the court in his hand, ask Prince Gao to guarantee you. You sign a contract with Prince Gao, which indicates which project you are contracting and how much silver is in your income, and then you write another application to explain. How much silver do you want to use and how long will it take? Finally, you give me the contract, the guarantee and your application.

Xu Liang's head was big: "Your Majesty, do you need so many procedures?"

"Of course, you should know that although the bank is opened by me, it is supervised by the imperial court. The third division makes Xue Shi Cai the imperial historian of supervision appointed by the imperial court, so the money lent by the bank can't be any mistakes." Wang said with a straight face,

Xu Liang gritted his teeth and said, "Okay, I'll just do it. I just borrow money from the bank. The interest..."

"The door of the bank is open. If you want to do something that you have the ability to repay, I will definitely support it. The interest rate is 5% per year. The interest during the loan period must be repaid monthly, otherwise I will write down a bad credit record for you."

Xu Liang was happy when he first heard 5%. He also inquired about it everywhere that the money bank for private lending would charge 10% profit, in other words, 10%. The bank interest next to the king is half less than the interest on private loans. Although the procedures are more troublesome, if you calculate carefully, you can save a lot of money. Zhi, but he also had a confusion: "Bad credit, is there still a good person here and a good person here?"

The king smiled secretly. You think you are Rouer, a maid as a concubine, and a bad person. He smiled and said, "This time you use the turnover period to repay the interest on time and settle it on time when due. Next time the bank will lend it to you. If you don't do it, not only is the collateral not yours, but also impossible to borrow money in the future. "

This time, Xu Liang finally understood it. He echoed repeatedly, "Yes, yes, yes, it's not difficult to borrow it again if it's good."

How did Xu Liang go to Gao Gonghui to talk about it? Wang Bian didn't care. Instead, he used Xu Liang's money to smooth the loan process again. Wang Bian returned to his residence and wrote a letter to Cai Xiang, explaining the idea of lending and implementation steps. At the end of the letter, he mentioned that there was a special business use by the imperial court, and the need for mortgage. Review as appropriate, so that the king is equivalent to double insurance for the money to be released,

After Wang finished writing the letter, he put down his pen, which was ready to be sent to the capital. As soon as he looked up, he saw Su Xiaomei sitting opposite him, looking at the candle with her cheek in one hand. Seeing her eyebrows slightly clustered, she seemed to be thinking about something.

"What's the matter? Are you uncomfortable all the way?" Wang asked with concern,

Su Xiaomei shook her head: "Husband, I heard that Yongzhou is located in a remote place, with poor mountains and rivers. Although the court appointed you as the king of Zhennan, it did not send soldiers to let you guard it. In addition, we brought a lot of silver taels to develop Yongzhou this time. I'm afraid..."

Wang listened patiently to her little sister's words. Hearing her say she was afraid, Wang asked with a smile, "Are you afraid of robbers?"

Su Xiaomei shook her head again: "Husband has martial arts and master bodyguards, and the robbers are still in the second place. I'm afraid that you can't spend it even if you bring money there."

Wang's side started from the capital this time, and the time was relatively tight; the bank raised money, and he could be more happy. Listening to the little sister's words, Wang's side thought that although the little sister was a female class, she was also very thoughtful. Maybe there was something she didn't expect, so she asked, "Tell me, this flower What does it mean not to go out?

Su Xiaomei sat up straight and looked at Wang and said, "Last time we went to Shaoguan, as soon as we arrived in Guangnan, I found that although Shaozhou was the first county in Guangnan, it was far away from the prosperity of Tokyo. On the day you and Zhao Yu went to Nanshan Temple, Xiang'er and I also went to the street. We could rarely see the things we could buy in the capital in Shaozhou. I just thought that Yongzhou is not the first county of Guangnan East Road, but also located in a remote area. I'm afraid it's difficult to buy anything there, so I thought that even if I bring silver, I may not spend it out.

Circulation, she is talking about the circulation of materials. What this girl said is very reasonable. Wang Bing secretly thought that Su Xiaomei could think of these things around to remind herself, but it was also a good virtuous help. He stood up, walked to the little sister, put his hand around the little sister's shoulder and said, "My wife reminds you that in the future you To remind me more, I also thought about what you said. First, the circulation of materials, and second, the question of carrying silver and silver. This is why I want to go to Yangzhou this time, that is to open up another shipping line. At the same time, Yangzhou, Beijing and Yongzhou as the basis, the banks will cover the states of our Song Dynasty, and then we can connect. Net settlement and borrowing from each other. This is why I went to Yangzhou this time. As for how to spend the money after arriving in Yongzhou, I have already thought about it. When we arrive, we will be in place, and we will do it step by step, but I'm afraid that I won't have more time to accompany you.

The little sister smiled shyly and said, "Whoever uses you to accompany me, I won't find something to do by myself. What's more, you are a tactful person. You obviously said that you traveled to Yangzhou to get married, but you used to have another purpose."

Wang smiled and went back to the table to send the envelope for Cai Xiang. He sent someone to the capital immediately. When all the things at hand were done, he closed the door, went to the table and blew out the candle. He picked up Su Xiaomei and said, "Hey hey, you know too much. I have other purposes. You want to Don't know, you know."