Malicious Medical Princess of the Marquis House

After receiving Gu Jiu's invitation, the Shaofu Family Ling was a little stunned.

He read the pilgrimage inside and out several times. It only said that he would come to visit tomorrow, but he didn't say why he was visiting.

The housekeeper bowed and reminded: Old man, Mrs. Zhao's people are still waiting at the doorman, waiting for the old man to reply.

The Shaofu family decree said: The son of Zhao is not in the capital, and Mrs. Zhao came to visit alone, but she refused to say why. The old man felt a little drum in his heart.

As soon as the housekeeper heard this, he asked, Is the old man going to reject Mrs. Zhao?

The commander of the Shaofu family stroked his beard and was silent for a moment, Tell the person who comes, the old man is free after noon tomorrow.

The implication is that Gu Jiu will not be invited to stay in the mansion for dinner.

If you have free time in the morning and you have finished talking about business, you will naturally have to greet him for a lunch.

The butler took orders.

The next afternoon.

With a generous gift, Gu Jiu came to the Shaofu's residence.

Seeing the Shaofu family order, she hurriedly stepped forward and bowed to salute, The younger generation has seen the old ancestor, how has the old ancestor been recently?

Gu Jiu performed the ceremony of the younger generation. Today, only relatives are concerned, regardless of their respective status.

The surname of the Shaofu family is Liu, a member of the clan. In terms of seniority, he was one generation higher than the Son of Heaven. Although he was not yet sixty years old, he was a few years younger than the Son of Heaven.

It is right for Gu Jiu to address the ancestors, and it is also right to perform the ceremony of the younger generation.

The Shaofu family decree stroked his beard, Mrs. Zhao is polite.

The ancestors shattered the younger generation. If the ancestors don't dislike it, call me Xiaojiu, and everyone in my family calls me that.

The Shaofu Family Ling laughed, Sit down and talk.

He flipped through the gift list, the gift was very expensive.

Xiaojiu suddenly came to the door, and the old man had a lot of guesses in his heart. Seeing this gift list, the old man had a lot of doubts in his heart. Can Xiaojiu tell the old man why he came to the door today and gave a generous gift?

Gu Jiu pursed her lips and smiled. She didn't expect the Shaofu family order to get straight to the point and ask her directly about her purpose.

But this is also good, save unnecessary trouble, and we go straight to the topic.

Gu Jiu was also very straightforward.

Directly took out a large stack of house deeds and placed them in front of the Shaofu family order.

Bai Zhong set up a bureau, found someone to pretend to be a businessman from the northwest, and successfully used 10,000 taels to win the house and land deeds of the entire Yuhua Lane from the Li family.

The Li family spent 50,000 taels to buy Yuhua Lane, and sold it for 10,000 taels, resulting in a total loss of 40,000 taels.

However, at this moment, the Li family still felt that the business was worth it. Otherwise, Yuhua Alley would fall into his own hands, becoming a burden.

The Li family is still mocking the 'Northwest Merchant', mocking that the Northwest Merchant is a fool.

In the current situation of Yuhua Lane, only homeless homeless people, extremely poor people, and unidentified people will live there.

It's very troublesome to collect rent in that kind of place. Not the usual trouble, but super trouble.

The Li family, from top to bottom, were reluctant to set foot there.

Someone was able to take over Yuhua Lane from them, thank goodness. Even if it loses 40,000 taels, I will admit it.

Ancestor, please take a look. Gu Jiu said softly.

The commander of the Shaofu family frowned slightly, full of doubts, What is the meaning of Xiaojiu's move?

The younger generation uses the land deed as security, wants to borrow money from the Shaofu, and asks the ancestors to accommodate one or two.

The Shaofu family was stunned for a while, You mean, you want to borrow money from the Shaofu?

Gu Jiu nodded, Exactly!

Shao Fu Jia Ling stroked his beard, not in a hurry to make a decision.

Why did you think of borrowing money from Shaofu? Shaofu never does loan business.

Gu Jiu smiled lightly, her eyes flashing with confidence.

She said softly: The Shaofu didn't do loans before, since I started, the Shaofu has added a business, the loan business.

In my opinion, the Shaofu is the richest place in the world. Don't the ancestors feel wasted by putting so much money in the treasury?

Money is printed outside, and usury is rampant, forcing countless small people to go bankrupt, their families to be ruined, and from the rich to the proletarians, and even slaves to servants. Seriously, go directly up the mountain and fall grass to harm the place for bandits.

If there is a government-run lending institution that lends money to poor people at lower interest rates than usury, businessmen big and small who need capital turnover. How can I ask, in this world's loan business, the major private banks, who can compete with the Shaofu?

Seeing that the Shaofu family order was unmoved, Gu Jiu added another fire.

She said in a more serious tone: Assuming that the Shaofu borrows five million taels a year, and the monthly interest is one cent, there will be 600,000 taels of income a year. This is still the least.

As far as I know, in the Gyeonggi area alone, the amount of silver circulating in the loan market is no less than 20 million taels a year.

Not to mention too much, Shaofu does half of the business, borrowing 10 million a year, and the interest alone is 1,200,000 taels. If the monthly interest is increased to one cent and five percent, there will be 1.8 million taels of income a year.

The monthly interest rate is one cent and five percent, which seems to be very high, but compared with usury, the monthly interest rate is three or four cents, which is already a conscientious price. It is also a price that the majority of ordinary people can afford.

With Shaofu's background and financial resources, as long as the ancestors are willing to let Shaofu enter the loan market, there will be no living soil for private banks.

From now on, in addition to the usury of private banks, ordinary people also have another choice. They can choose to borrow money from the Shaofu, so that ordinary people will not be ruined because of usury.

Those who have perseverance have perseverance. The small people have kept their family property, and naturally they will not become slaves, nor will they go to the mountains and fall to the ground for bandits and disasters. They will continue to be homesteaders, have property, and continue to pay taxes to the imperial court.

If these little people go bankrupt, become slaves, become refugees, and become pirates, it means that the government can no longer receive a penny in taxes from them. Not only did they fail to receive taxes, but in turn they had to spend money to send troops to suppress bandits and settle the refugees, increasing the burden on the government at all levels.

The Shaofu controls the lending market, lends money to the common people at low interest rates, and protects the small people's property. This is a matter of benefiting the country and the people. It is a good thing for the economy and people's livelihood. If the Shaofu does not do it, who will do it?

And every year, it can bring millions of taels of income to Shaofu. With ten years of work, if the young mansion can control more than half of the world's lending market, it is not empty words to bring in tens of millions of taels of income a year. Such a good thing can even leave a name in the history, the ancestors really want to push it out.

The Shaofu Family Ling's originally cloudy eyes suddenly burst into a scorching light.

He asked, Has anyone ever said you can speak well?

Gu Jiu pursed her lips and smiled, changing her previous toughness and becoming gentler, There are quite a few people who say that I have sharp teeth and a sharp mouth, and I speak eloquently.

Haha, the person who said that must have suffered a loss. Xiao Jiu, this old man really admires you. Just what you said just now is enough to argue with the courtiers in the courtroom.

The ancestors praised me wrongly, and the younger generation can't afford such praise.

No, you can afford it. But the old man has a question to ask. What you said just now is your own idea, or is there an expert behind your back?

Gu Jiu smiled and said, It's all the junior's own thoughts.

When the Shaofu family decree heard the words, he immediately looked at Gu Jiu with admiration.

The old man looked down on you before. I didn't expect that you are not only eloquent, but also unique in thinking. Do you know why Shaofu doesn't do loan business?

Gu Jiu shook his head, I don't know.

The Shaofu family decree asked again: Then do you know how many big money houses there are in the capital?

Gu Jiu nodded, I know, there are six major banks in the capital, and all of them have strong financial resources.

The Shaofu family decree stared at her, Then do you know who are the backers behind these six major banks?

Gu Jiu bowed his head and smiled, The ancestor is testing me with a question. Although the younger generation does not know who the backers behind the six major banks are, I guess it is nothing more than civil servants, military generals, and royal clansmen. Maybe we will also take part in the Ning Palace. One share. But what about where?

Shao Fu Jia Ling frowned slightly.

Gu Jiu said loudly: I don't believe that the backers of these six major banks can be bigger than the emperor? When the emperor is angry, he will bury a million corpses. With the prestige of the emperor, he endorses the Shaofu, not to mention the six major banks, even if it is ten Big Qianzhuang, in front of the financial background and financial resources of the Shaofu, is a piece of shit!

The Shaofu Family Ling was stunned for a moment, and then burst out laughing.

He pointed at Gu Jiu and kept laughing.

After laughing, he opened his mouth and said, You are right, the sky is big and the earth is big, and the Son of Heaven is the greatest. No matter how powerful his backing is, he is no bigger than the Son of Heaven. With all the financial resources, the Shaofu recognizes the second place, and no one in the world dares to recognize it. One. I was blindfolded by this old man before. Tell me, how much money do you want to borrow?

Gu Jiu smiled all over his face, Old Ancestor is willing to lend me money from the Shaofu, how much is the interest?

The Shaofu Family Ling laughed, For the sake of what you said, how could this old man not agree to you. Monthly interest, just one cent and five percent according to what you said, this is already the price of conscience, this is what you said by yourself. .

Gu Jiu's mouth twitched.

The Shaofu family decree asked her, You haven't said how much money you want to borrow?

I want to borrow two hundred thousand taels of silver.

Originally, Gu Jiu's plan was to borrow 100,000 taels, but when the words came to her lips, she suddenly changed her mind and directly borrowed 200,000 taels.

It's hard to borrow money from the Shaofu, and if you don't borrow a little more, isn't it a waste of this great opportunity.

How long is the deadline?

Gu Jiu thought for a while, A year and a half.

No, the old man can only borrow for one year. After one year, you will have to take the principal and interest, a total of 236,000 taels, and return all to the Shaofu.

Gu Jiu gritted his teeth, One year is one year.

At this moment, Gu Jiu was very happy, but also very regretful.

Knowing that she could borrow money from Shaofu, why did she save money so hard to expand her industry like a snail.

If she had borrowed several hundred thousand taels from Shaofu last year, her industry would have expanded tenfold. She has long been a rich woman.

In Gu Jiu's eyes, the capital, the south of the Yangtze River, and the northwest are full of business opportunities.

Moreover, she has a status and blessing, except for people like the Li family who are not eye-opening, she can be said to be in no position to do business.

With her mind and business model, there is no unprofitable business.

Lesson learned this time.

If she has no money in the future, she will seek alms from the Shaofu family.

This time, she borrowed 200,000 taels, and she will try to borrow 1 million taels directly next time.

As for the interest, in terms of her profit, the interest doesn't matter at all.

The Shaofu family order told her that she would send someone to the Shaofu to go through the formalities tomorrow, and if the formalities were completed, the money could be taken away from the Shaofu.

Gu Jiu smiled sweetly, Thank you my ancestors. I will go to the Shaofu on time to go through the formalities tomorrow.

The Shaofu family ordered tea to deliver the guests, and Gu Jiu was also very sensible, got up, bowed and retire.

After she left, the Shaofu family ordered people to prepare court clothes, and he wanted to enter the palace to face the saint.

...

Palace, Xingqing Palace.

The Shaofu family commander, dressed in court clothes, sat upright on a chair.

He is one of the rare people who was given a seat in Xingqing Palace.

At this moment, he is chatting with the emperor about the loan from the Shaofu. And the content all came from Gu Jiu's ideas.

After listening to the words of the Shaofu family order, the emperor asked, Is this what Gu Jiu said?

Weichen dare not deceive Your Majesty, these thoughts are all from the mouth of Mrs. Zhao.

The emperor walked back and forth in the hall with his hands behind his back.

This is a good idea, if it can really bring in millions of taels of income for the Shaofu a year.

WeChen also knows a thing or two about the lending market in the Gyeonggi area.

The Shaofu family decree subconsciously used Gu Jiu's words, the loan market.

He continued: In the Gyeonggi area, especially the self-cultivation farmers, when the time comes, eight out of ten need to borrow money to survive.

If you don't borrow money, you will have to starve, there will be no seeds, and there will be no cattle, which means that a year's harvest cannot be guaranteed.

These self-cultivators usually borrow from the local gentry, and repay the loan in the spring and autumn. After repaying the loan, there is not enough food to eat, and the next year has to borrow again, and the cycle begins again and again.

If the food production decreases during the famine years, then the self-cultivation farmers will definitely not be able to borrow money, and they can only sell their children and daughters, sell their fields and land, and become landless tenant farmers.

Worse yet, they can only sell themselves as slaves and maids, or become refugees, and they will turn into robbers and disasters.

And most of the squires who borrowed money had the support of one or several banks behind them. As for the small people in the capital, merchants borrowing money, the number is even greater.

After a pause, the Shaofu family order continued: Your Majesty, according to the statistics of the Shaofu and Jingzhao Yin Yamen, last winter, the number of refugees living in the capital nearly doubled compared with previous years, and most of them came from bankrupt farmers in the Gyeonggi area. . Farther away there are fleeing from the northwest.

These people have brought serious problems to the security of the capital. According to Jingzhao Yin Yamen Robber Cao, this year alone, there have been 30% more theft cases in the capital than last year. Most are the work of refugees. Many places in the capital have become hotbeds for hiding filth and harbouring criminals.

Wei Chen thought that he must make great efforts to rectify the security of the capital, and he must also make great efforts to solve the problem of refugees. With Shaofu coming forward to control the loan market, Weichen thought that the generation of refugees could be reduced from the root. At least the Shaofu will not force the self-cultivation farmers to die.

The emperor's face was serious, Have you ever thought about what to do if you can't get the money borrowed by the Shaofu?

The Shaofu family decree laughed, Mrs. Zhao gave Weichen an idea. She said that if the self-cultivation peasants cannot afford the money they borrowed, there are two ways to solve it. The second is to pay for work and repay the loan with remuneration. The common people are suffering from hard labor, and it is a good way to let those who owe money and do not pay back to do labor.

You only talked about self-cultivation farmers, how should the small people and merchants in the capital deal with it?

Mortgage! Shaofu's family commander said loudly, A businessman must have an equivalent mortgage, or a house deed, a title deed, or an equivalent of goods. Small people have real estate mortgages with real estate, and wages are mortgaged with wages.

The emperor frowned, What you said was all what Gu Jiu told you?

Most of it is the way she came up with it, and a small part was thought of by Wei Chen himself.

You are humble.

The commander of the Shaofu family said solemnly: Wei Chen dare not deceive His Majesty.

The emperor hummed, The idea is very good, but the remote villagers will not come to your house to borrow a few taels of silver.

You can set up another yamen in the local county yamen.

Absurd! The villagers suffer from exploitation by subordinate officials. You are adding another layer of burden to the villagers.

The Shaofu family decree said: Your Majesty clearly shows that the loan does not need to go through the hands of the county magistrates. All loan matters are only managed by the Shaofu, and no local government is allowed to intervene. However, the local government has the responsibility of supervision.

Are you planning to recruit thousands of accountants?

The Shaofu family decree said firmly: Mrs. Zhao gave Wei Chen an idea, and Wei Chen thought it was very good, so I will report it to Your Majesty.

Say!

The Shaofu family decree considered it for a while, and said, Mrs. Zhao suggested recruiting veterans as loan officers, going deep into the countryside, publicizing the imperial system, and handling loans for the villagers.

In order to prevent usury from harming the villagers and the people of His Majesty. Each county can have two to ten accountants ranging from two to ten, and one more chief. Wages are measured by the amount borrowed and the amount of the loan recovered.

In this way, it not only prevents subordinate officials from harming the villagers, but also reduces the burden on the court, and does not have to pay a large amount of discharge fees.

The emperor nodded, This method can serve multiple purposes. I didn't expect Gu Jiu to have a talent for governing the country.