Zhang Buyi's commotion caused Wang Buxing's eyes to roll his eyes.

Are you thinking about fart?

Even the tombstone has been thought of, don't you know that the more luxurious the tomb, the more tossed?

Wang Bu is not hungry and is even thinking about whether to find an opportunity to kill the surnamed Cao?

In this way, there may be no Cao Cao in a few hundred years, and there will be no profession of touching Jinxiaowei.

But after thinking about it, I still rejected this idea, which is too naïve.

Even if there is no Cao Cao, he still has Wang Cao, Liu Cao, and Cao Cao.

What should appear will still appear, and it will definitely not stop the drop......

Soon, this matter was left behind by Wang Buying.

It's really a problem that can't be solved by yourself, and the only way to do it is to order all the burials.

At that time, there will be nothing of value in the tomb, and the captains who touch the gold will naturally not be tempted.

But the problem is, burying it is not in line with the identity of our nobles, what do we nobles want?

It's not just a face!

Living is for the sake of face, and when you die, you have to have a face, otherwise what pride is there in going down to stay with those poor ghosts?

You really deserve to suffer, and since you have enjoyed the glory and wealth, you must also bear the burden of these glory and wealth accordingly.

On the other side, the envoys of the Western Regions, who had just entered the city, approached the Ministry of Commerce one after another.

When the Ministry of Commerce saw that there were so many people, the small fish and shrimp naturally couldn't deal with it, so they had to invite Tian Dan out.

Who is Tian Dan?

To put it nicely, he is the Shangshu of the Ministry of Commerce, one of the top bosses of the Han Dynasty.

But to put it mildly, he is actually a field pickpocket.

Soon, Tian Dan understood the intentions of these envoys from the Western Regions, and he was very supportive of this kind of thing.

After all, this was originally in his plan, and he was counting on using these people to help stimulate the production capacity of the eastern industrial zone.

This trip is actually due to the reasons that Tian Dan tried his best to promote.

"It's easy to say about the things on the side of the Ministry of Commerce, and the old man will try his best to provide the convenience that should be provided, but on the Qian Zhuang side, the old man can't give you confidence now, but in the near future, we will be considered a family, so let's invite Zhang Shangshu from the Ministry of Commerce, and we will give this matter today." Tian Dan thought for a while with a little embarrassment on his face, and said with difficulty.

"Okay! Good! Trouble Tian Shangshu! The envoys expressed their gratitude one after another.

They know about the money bank, and they know about the loan, but the loan is not something that no one can borrow, first of all, you have to have something to pledge.

These people obviously have no collateral, so they are not eligible for loans.

Tian Dan was able to come forward to help them make an appointment with the head of the household, which can be regarded as a favor, although there may be some other twists and turns in it, but one thing is undeniable, they are indeed not eligible for a loan, and they do not meet this condition.

Naturally, Tian Dan doesn't need to invite people personally, and someone under him naturally goes to run errands.

is also about this matter, Tian Dan tried his best to make such a come, how could it be just to help these people make a dowry?

Impossible, don't even think about it, this is not at all in line with the style of your own profiteers.

After about half an hour's effort, Zhang Cang was late, and his face seemed to be always full of busy expressions.

"What's the matter?" Just came in, Zhang Cang didn't even have time to look at the people in the house, and asked directly to Tian Dan.

"They want to take out a loan to buy a batch of goods and bring them back to sell, isn't this looking for you to ask!" Tian Dan pointed to a group of representatives from the Western Regions.

Zhang Cang glanced at everyone, thought about it seriously, then shook his head and said, "No, it's not in accordance with the rules!" ”

"What rules?" The envoys of the Western Regions looked confused, Tian Dan is here, what are the rules?

And at this moment, Tian Dan's face didn't seem to look good.

seems to be saying, you are a picker, obviously not giving Lao Tzu face.

"Zhang Shangshu, this is all a family soon, what else does it match? Are you worried that they can't afford it or what? It's really not good, my Ministry of Commerce has vouched for them! Tian Dan said bluntly.

"Right away, right away, at least not yet, as for why you don't meet the conditions, don't you know if you're the secretary of the Ministry of Commerce?" Zhang Cang didn't have a good airway.

"Uh...... Be clear! Tian Dan was stunned, looking dazed.

Zhang Cang's face was speechless: "There are three types of loans, commercial loans, civil loans, and agricultural loans. ”

"......" Tian Dan couldn't help but look embarrassed, okay, this time it's his own problem.

As the secretary of the Ministry of Commerce, he actually made an empirical mistake and forgot about it.

And I forgot it so thoroughly.

So he looked at everyone a little embarrassed, and then explained: "Everyone, this matter is the old man's negligence, but it's not that there is no solution, but before I talk about the way, the old man has to explain to you these three different loan models." ”

"Let's talk about agricultural loans first, which is literal, the amount of a single loan will not be too large, and it can only be used for things related to agricultural production, such as the purchase of seeds and agricultural tools, which needs to be proposed by the people, and the township and village levels confirm and supervise the real use of the loan, and then the money bank loan can be submitted."

"The civil loan is mainly used to build houses for the people, and the people also need to put it forward, and the township and the village confirm and supervise that the money is indeed used for this."

"These two loans are actually not difficult, nor complicated, the township and the village are only responsible for confirming and supervising, as long as the money is used in the right place, even if they can't afford to pay it back, it has nothing to do with them, but if someone misappropriates the loan for other places, and the township and the village do not find and stop it, report it, then they need to be responsible."

"Commercial loans are relatively complicated, because it involves paying taxes, so the basic requirements for commercial loans are to clarify the place of registration......

Tian Dan began to explain that the Ministry of Commerce was actually responsible for the registration place.

Previously, Tian Dan felt that if he wanted to rely on industry and commerce to increase his income, he had to get him completely on the right track.

And the easiest way to get on the right track is to form the same effective management method.

The plan is mainly divided into two steps, the first step is that all large-scale business activities must be registered and recorded, and any unit above the county level can be recorded.

At the same time, in order to control the financial route and ensure that the income of the imperial court is not affected, the imperial court has made another effort in registration and filing.

Those who are registered in Luoyang are not restricted by the region and can carry out commercial activities in any county of Dahan.

If the record is filed in the county, the commercial activities can only be limited to the county, and if the record is filed in the county, the commercial activities can only be carried out within the county.

That is, he is a one-way pattern from the top down.

But when it was time to go from the bottom up, some caravans registered in Luoyang came into play, and they would go all over the country to collect the goods that Luoyang needed, and transport them back to earn the difference.

Although it seems troublesome, at this stage, it is actually not troublesome.

It's like the Eastern Industrial Zone, he was registered in the county, but this didn't prevent his silk from being shipped to Luoyang.

In other words, now all those who go to the eastern industrial zone for direct procurement are registered in Luoyang.

Some large dog households have also cross-filed in the eastern industrial zone.

It is similar to the model of a branch office, and at the same time restricts the entry and exit of funds, but when it comes to cross-county transactions, it must be operated through the bank.

Although it is mandatory, whether this mandatory provision is the same or not.

I ran so far with a lot of money, not to mention the people on the road, I had to be scared, and the cost was very high.

Why not just run through the bank?

Compared with the pitiful handling fee, the cost of funds is only one-third of what you run around with money, so why not do what is good for you?

What's more, merchants have also discovered the benefits of this approach.

In the past, you had to follow the purchase in person, or send your family to follow, otherwise you would never be at ease.

Now you don't need it, you can just find someone to go to the origin to purchase.

Do you think you will take the delivery order to the place of origin to withdraw the money and run away?

If it does not exist, the money village provides directional services, only need to add ten dollars, you can mark the purpose of this bill on the mailing order, saying to buy cloth, this money can only be used to buy cloth when it arrives, you can't buy porcelain when you go there.

To save money and label yourself?

Sorry, this is not possible, because there will be a copy of the bill, which is different from the backup, and this bill will be invalid, and you can only do it again with a reissue fee and a small handling fee in the money bank where you sent the money.

After all, the new sender has to be sent over, and then the invalid one is brought back and disposed of.

Most of the handling fees charged by the money bank are used for the delivery of the bill, and they have to back up the bill to the destination faster than you, so that you can withdraw the money there.

At the same time, it is necessary to transfer a large amount of money back and forth, and it is precisely because of the scale and volume that it can ensure that with such a low handling fee, there can be a certain profit.

Of course, whether the money is profitable or not is a minor problem.

The real intention of this series of operations is to check the accounts!

That's right, if you clarify the place of registration, the household department will regularly check the accounts in a certain area, and compare the data of multiple places, so as to check whether you have evaded taxes.

How, in the era when there was no networking, this set of operations was advanced enough, right?

The most annoying thing is that the Supervision Department of the Ministry of Household Affairs will compare your account expenditure, income, the number of goods in and out, and the destination according to your records in the Luoyang headquarters, and then compare the data reported in the place where the goods are sold, so as to put an end to the goods sold in other places for ten yuan, and report five yuan, so as to evade taxes.

The work was complex and huge, so the household department used spot checks, and at the same time required the caravan to keep the accounts and other books, and submit a backup of the books on time for verification.

The merchants loved and hated, but they did not dare to express their dissatisfaction in the face of the king's hunger.

And these envoys from the Western Regions finally understood a truth.

"So, if we want to take out a loan, we first have to register and file in Luoyang?"