Chapter 327 (1/2)
The home order of Shaofu was a little confused when he received the invitation from Gu Jiu.
He looked inside and outside several times. It only said that he would visit tomorrow, but he didn't say why.
The housekeeper bowed to remind him: ”the master, the imperial concubine's people are still waiting in the porter, waiting for the old man to reply.”
The young master's family order said: ”the prince Zhao is not in the capital city, but the imperial wife comes to visit by herself, but she refuses to say what happened. I feel a little drumming in my heart.”
As soon as the housekeeper heard this, he asked, ”is the old man going to refuse the imperial concubine?”
The young master stroked his beard and remained silent for a moment. ”Tell the visitor that I will be free after noon tomorrow.”
The implication is that Gu Jiu will not be asked to stay in the house for dinner.
If you are free in the morning, after chatting about business, you should have a lunch.
The housekeeper was ordered to leave.
The next afternoon.
Gu Jiu came to the house of the young master with a generous gift.
When she saw the young master's order, she quickly bowed forward and saluted, ”I've seen my ancestor. How are you doing?”
Gu Jiuzhi junior ceremony, today only on the relationship between relatives, regardless of their identity.
Liu's family name. In terms of seniority, he is one generation higher than the emperor. Although he was still under sixty years old, he was a few years younger than the emperor.
It is proper for Gu Jiu to address his ancestors, and it is also appropriate to hold Junior ceremony.
The young master's order stroked his beard, ”Madame Zhao is polite.”
”The old ancestors have broken the younger generation. If my ancestors don't dislike it, they call me Xiaojiu, which is what my family calls me. ”
”You sit down and talk.”
He looked through the gift list. The gift was very valuable.
”Xiao Jiu suddenly came to the door, and I had a lot of speculation in my heart. Seeing this list, I have many questions in my heart. Can Xiao Jiu tell me why he came to the door today and gave him a big gift? ”
Gu Jiu pursed her lips and laughed. She didn't expect that the young master's family order would come to the point and directly ask her about her purpose.
But it's good to save unnecessary trouble and get to the point.
Gu Jiu is also very straightforward. He directly takes out a large stack of house deeds and land deeds and puts them in front of the house order of the Shao Fu.
Bai Zhong set up a bureau and asked someone to pretend to be a businessman from the northwest. He successfully took the title deed and land lease of the whole Yuhua Lane from the Li family with 10000 Liang.
Li's family spent 50000 Liang to buy Yuhua lane, 10000 Liang sold out and lost 40000 Liang.
At this moment, however, the Li family still felt that the business was worth it. Otherwise, Yuhua Lane will be smashed in their own hands and become a burden.
The Li family still ridiculed the ”Northwest businessman”, who was a fool.
In the current situation of Yuhua lane, only homeless people without jobs and property, extremely poor people and unidentified people will live there.
It's very troublesome to collect rent in that kind of place. It's not ordinary trouble, it's super trouble.
The Li family, from top to bottom, are not willing to set foot in that place.
Thank goodness that someone could take over Yuhua Lane from them. Even if you lose forty thousand taels.
”Look, my ancestors.” Gu Jiu said softly.
Shaofu home to micro frown, full of doubts, ”what is the meaning of this small nine?”
”I want to borrow money from the Shao Fu with the title deed as security. I'd like to ask my ancestor to give me some money.”
”You mean you want to borrow money from the young master?”
Gu Jiu nodded, ”exactly
The magistrate stroked his beard and did not make a decision in a hurry.
”Why do you want to borrow money from the young master? The Shao Fu never does business of borrowing. ”
Gu nine shallow smile, eyes twinkle with confidence in the light.
She said in a gentle tone: ”the Shao Fu didn't do loan before. Since I started, Shao Fu has had a business of borrowing.
In my opinion, Shaofu is the richest place in the world. Don't the ancestors feel wasted when they put so much money in the warehouse?
Printing money and usury were rampant in the outside world, which forced countless ordinary people to go bankrupt, their families were destroyed, and they were reduced from the property owners to the proletariat, and even to slaves and maidservants. If it's more serious, go directly to the mountains and fall on the grass to become the enemy's disaster place.
If there is a government-run lending institution that loans to the poor people at a lower interest rate than usury, businessmen and businessmen of all sizes need capital turnover. Who can compete with the major private banks in the lending business of the world
Seeing that the house order of the young master was not moved, Gu Jiu added another fire.
She said in a accentuated tone: ”if the government borrows 5 million taels a year, if the monthly interest rate is one cent, the income will be 600000 taels a year. This is the least.
As far as I know, there are no less than 20 million taels of silver circulating in the lending market in the capital area alone.
Not to mention much, the young government does half of the business and borrows 10 million yuan a year. The interest rate alone is 1.2 million taels. If you raise the monthly interest rate to 1.5%, you will have 1.8 million liang of income a year.
The monthly interest rate of 1.5% seems to be very high, but compared with usury, the monthly interest rate of 3% and 4% is already the conscience price. It's also a price that the majority of people can afford.With the background and financial resources of Shao Fu, as long as the ancestors allow Shao Fu to enter the loan market, there will be no soil for private banks to survive.
From now on, in addition to the usury of private banks, Xiaomin also has a choice. They can choose to go to the government to borrow money, so that the small people will not be ruined because of usury.
He who has constant property has perseverance. If they keep their property, they will not become slaves, nor will they go up to the mountains and become enemies. They will continue to be self-employed peasants and property owners, and continue to pay taxes for the court.
If these small people go bankrupt and become slaves, refugees and bandits, it means that the government can no longer receive any tax from them. On the contrary, they have to spend money to suppress bandits and settle refugees, thus increasing the burden on the government at all levels.
The government controls the lending market and lends money at low interest rates to the people to protect their property. This is good for the country and the people, and it is related to the economy and the people's livelihood. Who will do it if the government doesn't do it?
And it can bring millions of taels of income to the Shao Fu every year. If the government can control more than half of the world's lending market, it will bring in tens of millions of taels of income a year. It's really a good thing to keep in the history of Qing Dynasty. ”
The original turbid eyes of the young master's family suddenly burst into a burning light.
”Has anyone ever said you can speak well?” he asked
Gu nine pursed lips a smile, a change before tough, become gentle up, ”pour is a lot of people say that I have sharp teeth, sharp mouth, cunning words.”
”Ha ha, your people must have suffered. Xiao Jiu, I'm really impressed with you. With what you said just now, you can go to the court to argue with the courtiers. ”
”The old ancestor praised falsely, but the younger generation can't afford such praise.”
”No, you can. But I have a question to ask. Is this what you said just now, is it your own idea, or is there an expert behind your back? ”
Gu Jiu said with a smile: ”it's all my own ideas.”
Hearing the speech, the young master's official immediately took a new look at Gu Jiu.
”I underestimated you. I didn't expect that you are not only eloquent, but also original in thinking. Do you know why the Shao Fu doesn't do loan business? ”
Gu Jiu shakes his head, ”I don't know.”
”Do you know which big banks are in the capital?” the magistrate asked
Gu Jiu nodded, ”I know that there are six big banks in the capital city, and all of them have strong financial resources.”
The magistrate stared at her, ”do you know who are the backers of these six banks?”
Gu Jiu bowed his head and laughed, ”my ancestors, this is a test for me. Although I don't know who the patrons of the six banks are, I guess they are nothing but generals of civil servants and royal families. Maybe our prince Ning's residence also took part in it. But then what? ”