[Comprehensive wear] Tiansheng Fengming

The shopkeeper didn't know that Xiao Er was talking about him behind his back, he got the news and hurried out, and saw Li Cangyao and his party standing in the bank at a glance, his heart skipped a beat.Le-Wen

The shopkeeper was an old man from the Li family. As Li Cangyao's confidant, he recognized who the other party was at a glance. He didn't expect his wife to appear in his bank at this moment, and he was both pleasantly surprised and terrified.

Mrs. Surprise came to inspect his bank, and was worried that he had done something wrong to make Mrs. come here suddenly.

But these thoughts were completely suppressed by the shopkeeper, he ran over and whispered to Li Cangyao: "Madam, why are you here?"

"This is not a place to talk, take us to the back." Li Cangyao nodded.

"Yes, madam, young master, this way please."

The shopkeeper welcomed Li Cangyao and the others to the backyard, saw Xiao Er still standing there in a daze, glared at him and said, "My boss is here, what are you still standing here for? Hurry up and make tea."

"Yes, yes, yes!" My boss?Xiao Er was shocked in his heart, but his hands moved very quickly. Hearing what the shopkeeper said, he hurried to prepare refreshments.

Seeing Xiaoer leave, the shopkeeper quietly breathed a sigh of relief and said to Li Cangyao, "Forgive me, my boss, this kid is usually very hardworking, but he is a bit stupid."

The shopkeeper was afraid that Li Cangyao would blame Xiao Er.

"It's fine, it's fine." Li Cangyao didn't mean to blame, she sat down with Li Chenxi, asked the shopkeeper some questions, the shopkeeper answered them one by one, and asked people to bring all the books.

"Boss, this is the profit of the bank this year. Take a look." The bank's business is good, especially after the bank introduced interest-bearing deposits a few years ago, many families have spare cash, and those who are attracted by the free profits are willing to Depositing money in the bank of the Li family, even those people who used to prefer to hide money at home will save money. After all, as long as they deposit money in the bank, they will get interest every year, which does not require them to do anything. No one wants to miss out on money that comes with doing things for free.

At the beginning, not only the people from other banks, but even the shopkeeper didn’t understand the significance of the owner’s doing this. He was still muttering in his heart that the owner didn’t know how to make a living, why did he do such a completely loss-making business, only later did he find out , It turns out that the boss is really powerful, and he can think of this method.

In this way, everyone is willing to deposit money in the bank, and the bank can get more and more money. However, when such a policy was first implemented, few people were willing to believe it. The existence of Rijindoujin.

Of course, at the beginning, this method was not favored by anyone, and the business of the bank was very cold, but later when everyone found out that saving money could actually generate money, everyone rushed into the bank at once. During that time, the bank included Everyone including the shopkeeper Xiaoer was very busy.

Of course, there are still some people who didn’t aim at interest, but originally wanted to deposit silver in the bank, and later found that there was a lot of money after withdrawing the money. It opened, attracting countless people to save money.

Thinking of this, the shopkeeper couldn't help admiring his owner.

Who would have thought that Liji Bank, which they thought they would lose money and lose their fortune, actually opened a Yaoji pawn shop less than a hundred meters away.

You can tell from the name that Yaoji Pawnshop is a pawnshop, but this pawnshop is different from ordinary pawnshops. People who come to Yaoji Pawnshop can sell their things as pawns, which is similar to pawnshops, and they can also mortgage loans. About the same as a modern day loan.

Because it was not named Liji Bank, no one knew that Liji Bank and Yaoji Pawn Shop were opened by the same family.

People who come to Yaoji pawnshop generally have several choices. The first two are no different from ordinary pawnshops, but compared with other pawnshops that blindly suppress prices, Yaoji pawnshop is more fair and fair, so after the pawnshop opened, although it started Not much business, but the longer the time, the better the pawnshop's business.

The second type is live pawning, which is actually similar to modern mortgage loans. People who choose live pawning can mortgage the items they want to pawn in Yaoji pawn shop, and then borrow the corresponding money. The mortgaged items are not limited. It is anything. The people in the bank will evaluate the mortgaged items of the borrower, and then estimate the maximum amount of money that can be borrowed. That is to say, it must be mortgaged with something of equal or greater value, such as houses, fields, and antiques. Remember Qianzhuang, if you mortgage something like antique calligraphy and painting, the pawnshop will take the mortgaged item and return the original item after the other party pays off the principal and interest. With mortgages such as land deeds and house deeds, someone will check the mortgaged items, make a price assessment, and then make a mortgage loan description document, signed and stamped by both parties (drawing and pledged), and each party will have one copy. If the other party pays off the principal and interest, the loan statement will be invalidated, and the land deed and land deed will be returned to the other party. If the loan cannot be paid off, the loan statement will become effective, and the pawned land and houses will be owned by Yaoji Bank.

During the repayment period, the mortgaged real estate borrower can still use it, and this alone is attractive enough.

The interest on the loan will be determined according to the situation and the length of time, but the maximum is no more than 5%, and the loan can be repaid in installments. Sometimes people who are in urgent need of money borrow money with the mentality of giving it a try, and find that it is really as stated in the above regulations, whether it is a house or a field, it is really usable, and the money can really be returned in installments. After clearing all the money, the house and fields were taken back.

After the news spread, many people came to Yaoji pawn shop to borrow money and mortgage.

There are even many officials who secretly come to Yaoji pawnshop to mortgage their loans.

Who said officials won't come to borrow money?Those contacts are all for money, so especially the officials come more frequently, and those officials are often short of money.

And Yaoji Pawnshop keeps secrets very well, and it is also quite convenient. Many officials are willing to come to Yaoji Pawnshop to borrow money, from first-rank officials to those wives and ladies. .

Because there is a deep connection between Yaoji Pawnshop and ministers' wives, those ministers and wives are maintaining Yaoji Pawnshop openly and secretly, and no one dares to touch it. This is also Yaoji Pawnshop An important reason for being able to gain a foothold quickly.

Who dares to trouble Yaoji's pawn shop?Maybe you just made trouble for the other party, and then turned around and your boss came to make trouble for you, because the boss may have something he likes very much or is very important as a mortgage, and then he lost it by himself.

Of course, at the beginning, there would still be a few people who wanted to be empty-handed white wolves. For example, the Yaoji pawn shop had just opened less than a year ago. The most beloved one, the top inkstone, went to the pawn shop to mortgage 5000 taels of silver. The mortgage period is half a year. The repayment of principal and interest requires a total of 5100 taels. The money was spent soon, and then he put this matter behind him. After more than four months, his father learned about this matter and wanted to seek justice from the pawn shop, and asked the pawn shop to return the inkstone to him. Unwilling to pay back the money, this matter caused a lot of trouble at the beginning, because the official had some influence, because he was a high official in the court, and the shopkeeper of Yaoji pawnshop was just a merchant, and he was even more arrogant, not only wanted to get back the value Liancheng's inkstone was even more unwilling to pay back the money.

The final result was that the official was dismissed and investigated, and the whole family was exiled.

why?

That's because on the second day after the other party made a big fuss and persisted, the streets and alleys of the capital were covered with things about him taking bribes, taking bribes and breaking the law. As a result, the emperor was furious, and immediately dismissed the other party after finding out the truth , and the whole family was exiled.

No one knows who did this matter, but everyone vaguely felt that it might have something to do with Yaoji pawn shop, otherwise how could it be such a coincidence that the other party came to make trouble one day, and this kind of thing happened the next day?No one dared to make trouble after that.

And because Yaoji pawn shop is very fair, as long as you abide by the rules of the pawn shop, nothing will happen, gradually everyone gets used to it.

Li Cangyao's job as an official was naturally done by Li Cangyao. There was a lot of money and gossip. In order to avoid gossip, she naturally needed some background, and the vast intelligence network was her backstage. This was her favorite thing to do.

Only by directly curbing the danger before it happens, can you enjoy life better.

In fact, Li Cangyao also set up Liji Bank and Yaoji Pawnshop for the purpose of connecting those officials. Although they may only come to borrow money or save money, they can actually get a lot of things out of their mouths. No matter what, she As a person related to Xie Xiaofeng (especially Li Chenxi, who is Xie Xiaofeng's son), and his son Li Chenxi, he wants to get an extra insurance for himself. Xie Xiaofeng is in the heart of the current emperor. If he knows their existence, how can he May be indifferent.

So she wove a net, and gradually, more and more people were caught in the net.

Especially two years ago, there was a severe drought in the south, no crops were harvested, and countless people died of starvation. Later, the plague spread and the imperial court was tense because of the war. A gold medal for avoiding death and a blank imperial decree stamped with a jade seal were used as interest. I borrowed 100 million taels of silver, 100 dans of grain, and [-] carts of herbs to treat plague from Yaoji pawnshop without interest, and signed a loan agreement. The contract stated that after repaying the [-] million loan within ten years, Yaoji pawn shop has already been established in Zhu Di's heart, and it has a great guarantee.

Of course, Li Cangyao was responsible for what happened that time, the emperor is here, the people below will definitely not be able to suppress it, and Li Cangyao wanted the gold medal and imperial decree.

At that time, the shopkeeper was by Li Cangyao's side, and she knew very clearly that the owner was not only neither humble nor overbearing when facing the emperor, but also used the shortest time to dispel the emperor's suspicion and suspicion of her. Hoping to get the royal plaque as a reason, he distributed 40% of the shares of Yaoji pawnshop to the emperor, and let him also participate in it, which is equivalent to spending money for protection.

How could Zhu Di not be tempted by such a huge amount of wealth obtained for free, and he was naturally willing to show his protection. Not only did he write the five characters of Yaoji Pawnshop in his own hand and bestow it on Li Cangyao, he also personally named Yaoji Pawnshop the number one pawnshop. It can be said to be extremely powerful.

Li Cangyao was also quite satisfied, with the emperor as her backing, her business became more and more stable, and no one dared to provoke her.

The shopkeeper patted his beard and felt proud. He thought that Qian Fulai knew nothing but his mouth. After being rescued by his boss, he swore to be loyal to his boss. He thought that this would be the end of his life, but he didn't expect his boss to be like this With ability, let him follow suit, and even met the Holy One.

So he is not afraid of someone making trouble at all.

But in fact, the shopkeeper knows that this Yaoji bank is not the place where the real money comes from. The real place where the money comes from is that the owner uses the money collected by the bank to make money and roll the money, although Qian Fulai himself is not very clear about the owner. How much property does his subordinate have, but he knows that the boss's family is absolutely rich, and the 10 taels of silver handed over are really trivial to her.

So the emperor was happy with the tens of thousands of taels of silver he could get every year, thinking that he had a big head, but he didn't know it at all, it was just that the boss didn't care about it.

It's not their own money that comes and goes.

Those people thought they had taken advantage of it, but in fact, it was the owner who took advantage of it the most.

The shopkeeper's heart was full of reverence for Li Cangyao.

"Boss, I recently collected some good things. Let me show you the small ones." Because Yaoji Bank is a bit like a pawn shop, it can often collect a lot of things, good and bad. The people below will keep some good things after they have eyes, and send them up. If the owner likes them, they will keep them. If they don't like them, they will directly take them to the auction. Some people want to buy them.

Of course, not everything can be sent to him, what can be sent is either some priceless treasures, or some things that the boss specifically told him to keep.