The so-called "Ziqian family" refers to the person who lends money for interest. Talking about usurers. After lending money, in addition to recovering all the capital, you can also get a lot of money. It's like "money gives birth to children". Therefore, the capital is called "mother money", and the profit money is called "child money", and those who operate this business are called "child money".

In the former Han Dynasty, the Qian family of Chang'an Zi Wuyan (Wuyan Clan), taking advantage of the soldiers of the Seven Kingdoms of Wu and Chu, lent money for interest and became a huge wealth in Guanzhong.

"Historical Records: The Biography of the Goods Colonies": "When the soldiers of the Seven Kingdoms of Wu and Chu rose, the Marquis of Chang'an was in the army, and he borrowed money from the army, and the Ziqian family thought that the Hou Yi Kingdom was in the Kanto, and the success or failure of the Kanto was undecided. Only the salt family donated a thousand gold loans, and the interest was ten. March, Wu, Chu Ping. In the middle of a year, it is ten times the interest of the salt family, and it is used to enrich the guanzhong. ”

Saying. During the Seven Kingdoms Rebellion, most of the fiefdoms of the "princes and feudal monarchs" in Chang'an City were far away in the Kanto. And Chang'an is in Guanzhong. Far away from the fiefdom, the whip is beyond the reach. It was difficult for the feudal monarch to prepare chariots, horses, and weapons for a while, and he urgently needed to raise money to buy them. The only way to borrow money is to borrow money from the Qian family in Chang'an City. However, it is still difficult to judge what the situation of the war will be. The Qian family, the son of Chang'an, was worried that once the Kanto region was lost, the feudal lords of the liehou would be reduced to nothing, and it would be difficult to recover the loan. Therefore, they are reluctant to lend.

Only the salt family, judge the situation. It was thought that fifty years had passed since the founding of the Han Dynasty, and although there was also a rebellion of a king with a different surname in the early days, it was quickly put down. In addition, at the end of the Qin Dynasty and the beginning of the Han Dynasty, there were endless wars, people's minds were determined, and the rebellion was unpopular. Therefore, this rebellion with the same surname Wang will undoubtedly be defeated. It is supposed to seize the once-in-a-lifetime opportunity to make a big profit. However, on the surface, he pretended to be the same as other sub-money families, and was not optimistic about the prospects of the war, and repeatedly told the borrowers that it was difficult to predict when the war would end, and the risks could not be controlled. Unless you are willing to pay usury, you will never lend a penny.

The princes were anxious to lead the troops to quell the rebellion, so they borrowed a total of 10 million money from the Wuyan clan with ten times the interest. Huge debts, how can you not work hard. In just three months, the rebellion of the Seven Kingdoms was put down. The princes and feudal lords have repaid the loans, and the Wuyan clan is rich in Guanzhong. 10 million money, complete the small goal in three months, and earn it 100 million.

From the point of view of the afterlife. The Chang'an Ziqian family, represented by the Wuyan family, is the prototype of a proper banker.

In particular, the perception of risk and profit is almost the same as that of later generations of bankers. That is, the risk is directly proportional to the return.

The biggest difference between the Ziqian family and the average usurer. It is that they are at the top of the industry: they only lend money to the princes and feudal lords. In this way, if you think about Emperor Wen of the Han Dynasty for four years, "(Heyang) Hou (Chen) Xin sat on the responsibility of the people for June, seized the marquis, and the country was removed." It can be known that Chen Xin, the Marquis of Heyang, must have raised unpaid debts to the Qian family of Chang'anzi, so he was expelled from the country. This incident also shows that Ziqian's family is powerful. Far from being an ordinary businessman.

This was the case in the former Han Dynasty, and it is also the case in the present Han Dynasty. It's just that Ziqian's family, together with Xungui, moved from Chang'an to Luoyang.

However, the present Han is not the same as the previous Han. They only sit back and enjoy their successes, and have no right to govern the country. Therefore, the Qian family of Luoyang began to lend money to the inferior nobles.

Liu Bei's treasury also has this function. However, it is open to the entire population. And most of them are low-interest or even interest-free loans. Not to mention ten times the interest, it is one out of ten (10%) interest, and it has not been over. The highest is no more than five out of a thousand (5‰).

Positive factor money and profiteering. The first emperor secretly released a large number of coins obtained from selling the official mantle to the Qian family of Luoyangzi. Grab big profits. The "Sub-Money Collection Book", which records the whereabouts of the copper money pen and pen, the contract and the coupon book, is held in the hands of Zhang Rang and Zhao Zhong.

Feng Yu smiled and said: "The adults are dying, and they haven't woken up yet. It can be seen that over the past few days, how many Luoyang magnates have been running secretly. Empress Dowager Dong, Empress Dowager Dou, Empress Dowager He, bitter master Yingmen. It's all ......"

"Shall I be exonerated?" Hook shield order Song Dian, blurted out.

"Huh!" Feng Yu sneered: "They all want to destroy the three clans of the adults!" ”

"Death and debt." Zhang Rang has woken up: "Just kill us and others, copy out the "Ziqian Collection Book", and the countless copper coins scattered by the first emperor will have nowhere to go." Luoyangzi Qian family, the profit is more than 100 times! ”

Zhao Zhong said: "Don't hide it from the permanent servants, the reason why we are alive in the world is that we want to turn over with the "Ziqian Collection Book". If you hand it over today, how to keep the old and young people full of people and be rich for a lifetime. ”

"That's fine." Feng Yu smiled and said: "The words of the old man, you adults have broken off and can no longer believe them. In this way, another person will come. ”

Before the words fell, Feng Yu clapped his hands three times.

The cell door is reopened. Another person was put in prison.

Everyone in the prison watched carefully. blurted out: "Shao Ling?!" ”

"Zuo Feng, meet your lords." It was the Yellow Gate Ling Zuo Feng.

Zhang Rang and Zhao Zhong understood: "I see, I see!" ”

Feng Yu smiled and asked, "Ladies and gentlemen, can you believe it?" ”

"Shao Ling came forward, old slaves, etc., how can you not be convinced." Zhang Rang replied on the ground: "The stakes are very high, and the order is less and the ear is attached." ”

"Okay." Zuo Feng is close to the front.

Zhang Rang hesitated. Life is at stake, only to tell the truth. However, before he could speak, he was already sobbing and flowing, as if he had a cone pain. Without it, it is only because of the weight of profit, like cutting the flesh of the heart.

Zuo Feng is not forced either. After crying, Zhang Rang told him about the situation before and after.

Feng Zhen pricked up his ears, intermittently, and only heard: the rooster singing hall, the golden crow in the city, the girl in the river, and so on.

As soon as his mind moved, he recalled a widely circulated children's proverb in the capital during the reign of Emperor Huan: "The city is black, and the tail is complete; The public is the official, and the son is the apprentice; One dies, a hundred rides. car banban, into the river; The female workers in the river counted the money and used the money as the room. There is a hanging drum under the beam, and I want to hit the anger of Chengqing."

The first half of the proverb begins with the figurative technique of "the crow in the city wagging its tail", predicting the barbarian rebellion after Emperor Huan ascended the throne, implying that the situation collapsed. The latter sentence "Che Banban, into the river", indicating that Emperor Huan is about to die, and the court sent a large team of chariots and men to the country of Hejian to welcome Emperor Huan from his nephew Liu Hong into Beijing, which is for Emperor Ling of the Han Dynasty. After Emperor Ling ascended the throne, he and his mother Yongle Empress Dowager Dong sold official titles, so this beautiful woman from the river was busy counting money all day long, as if living in a palace built by money. Therefore, the second half of the sentence is compared to "yellow sorghum rice on the stone", satirizing that although the Empress Dowager Yongle has saved countless copper, she is extremely stingy, and only eats yellow sorghum rice for three meals. He also pointed out that the Emperor Lingdi was corrupted, and the upright people in the world wanted to beat the drum to cry out their grievances, but they were angrily stopped by the eagle dogs of the imperial court.

"Golden Crow on the City" Emperor Yu Ling likes to eat alone like a crow and does not share it with the people. And "The Lady of the River" refers to the Empress Dowager Dong of Yongle. Today's Empress Dowager Dong.

Obviously, the Jiming Hall in the West Mansion is the hiding place of the "Ziqian Collection Book".

Listen to Zhang Rang and keep it secret. Zuo Feng got up at this point: "Everyone, rest assured. You only need to get what you want, full of small families, rich and glorious, and enjoy inexhaustible. ”

"There is a labor order." The eunuchs in the prison bowed down in tears.

Feng Zhen witnessed everything, and couldn't help but sigh. This world is still the world of the Han family.

Out of the North Temple Prison. Feng Yu said goodbye to Zuo Feng and returned to Yongle Palace on his own without mentioning it.

Zuo Feng rushed to the West Garden to find the "Ziqian Collection Book" that was "very important".