Trenches!

This word is placed before Han Jiang crosses, and the meaning does not need to be introduced, it is a heifer handstand.

At this time, Han Jiang's explanation is: the moat means of a moat, and the horizontal means that it is criss-crossed and widely distributed, which together means that this Zhuangzi is like a river expanding the city to protect the city, protecting the money in everyone's pocket everywhere.

Ordinary people's understanding is that this is Han Jiangba's father-in-law, because his father-in-law's name is Qian Haohuan, so he takes the trench as a homonym.

At the gate of the moat, there were more than 500 people in line, as well as merchants with horse-drawn carriages.

Han Jiang stood from a distance and watched, nodding with satisfaction.

Han Si stepped forward: "Shaojun, why don't you go in?" ”

Han Jiang pulled Han Si and pointed to the courtyard at an angle, and Han Si saw Qian Haohuan sitting in the courtyard looking through the account books.

Han Jiang said, "Let's go, go to another place." Han Si, you arrange it, let out the rumors, and say that Ben Shaojun is about to open a trench in Quanzhou and Yangzhou, deposit money in Lin'an, withdraw money in Quanzhou, and collect five cents in Yangzhou. ”

"Yes." Han Si didn't ask why, because he didn't understand any of this at all.

Quanzhou and Yangzhou opened branches, and no one would doubt Han Jiang's ability.

Everyone in Lin'an Mansion knows that Qian Haohuan is aware of the affairs of Quanzhou Prefecture, and the Quanzhou branch is guaranteed by virtue of this. And Yangzhou, the largest businessman in Yangzhou, left all the inheritance to his grandson Li Xing, and no one doubted this financial strength.

Of course, coupled with Han Jiang's identity as the son of Han Yanxuan, no one doubts his financial resources.

Leaving Baiyufang, Han Jiang went straight to a slum, also nameless, and people here called this square Lefengqiao East Second Square. It's a little better than the old nameless square because it's in the old city.

The land of this square still belongs to the Han family, and most of the people living here are petty officials and officials.

As soon as Han Jiang arrived at the second square in the east of Lefeng Bridge, many people greeted him.

"It's good to build an Anbo'an."

Someone treats each other politely, and Han Jiang can't lose his courtesy: "Be polite, didn't ask for advice?" ”

"Xiaguan Guozi is too a bachelor of law, Lu Fengwei."

Han Si knew that Han Jiang didn't understand, so he immediately whispered in Han Jiang's ear: "It's the doctor of Taixue who is in charge of teaching Song Law, and he is a Jiupin Jingguan." ”

As soon as Han Si explained this, Han Jiang immediately knew what the identity of the other party was. Jing Guan, not Jing Dynasty official.

Han Jiang arched his hand: "Long admiration, long admiration." I also thought about waiting for the end of the New Year's holiday to ask for advice, especially Baiyufang, as a courtier, everything should first act in accordance with the orders of the official family and the imperial court, for fear that something would go wrong. If it weren't for the Taishan Gong Gang these days, I'm afraid it would be difficult to support. Please ask Brother Lu not to refuse. ”

"Don't dare, don't dare."

At the age of forty, he is still a nine-grade petty official, and such a person is already an inferior person in his career.

Han Jiang, a sixteen-year-old earl, is the eighth grade. Behind it, the Han family and the Wu family are supporting. married the daughter of the Qian Mansion again, and the future is limitless.

No one doubts whether Han Jiang can become a second-class product in the future.

is only guessing, at what age Han Jiang will become a second grade.

Lu Fengwei didn't dare to talk nonsense anymore, and quickly clarified what he meant: "Xiaguan wants to ask for advice on behalf of others." ”

"Ask, I can answer what I can."

said this, but Han Jiang was nervous in his heart.

On the first day of the new year, Taixue learned to make trouble in front of the uterus, if this person wants to ask about this, how can he answer.

Just as Han Jiang's head was spinning and he was about to say something, Lu Fengwei said: "I heard that all the houses in this fang were built by the Han Mansion, and the officials were puzzled. Why would the uncle rather spend a huge amount of money to bulldoze the white jade workshop than choose this one. ”

Yes.

Ask this.

Han Jiang breathed a sigh of relief: "This matter is very difficult, you have to understand." My father, as a relative, is also walking on thin ice in the court. Fifty percent of the people living in this workshop are officials, thirty percent are officials, and one percent of the errands are also related to the yamen. If you build a house at the market price of Lin'an Fu, can you afford to rent it or can you afford it? ”

Lu Fengwei didn't evade, and replied directly: "I can't afford to rent it, and I can't afford it." ”

"Then, according to the rules of Baiyufang, it is divided into fifteen years. Is it appropriate? ”

Someone rushed over immediately after Han Jiang finished speaking: "Little official, why is it not suitable." ”

As soon as you look at it, you know that it is not an official, but a citizen.

It's an official, it's an official, and no one dares to take it.

The crime of buying people's hearts and minds can be serious or light.

Han Jiang asked again: "Right now, it's just an attempt, if there is anything wrong, or something that doesn't conform to the law, it's always a fault." Besides, the land of the new city can be compared with here, and the investment is not a small number. And so on, and so on. ”

Han Jiang can only say this.

After several petty officials discussed, Lu Fengwei stepped forward again and asked, "Uncle, can we deposit money according to the rules of Baiyufang." ”

Han Jiang didn't rush to answer.

At present, there are four businesses in Baiyufang, the first is to collect prepaid room payment and subscription money, that is, the money to occupy a room number first, which is small money. The second business is to collect deposits, which are free of charge for less than 100 percent, and one cent of storage fee per year for more than 100 percent. In other words, the person who saves the money not only does not pay interest, but also pays a storage fee.

The third business is pawning.

The business of pawnbroking existed in the Northern and Southern Dynasties, and it was first called Siku. Later, in the Tang Dynasty, the West Market was already a very formal pawn shop.

The difference between Han Jiang is that the interest rate is very low, and he has always turned over within ten days without making money, and only charges ten wen handling fees.

The pawnshops of Lin'an Mansion hated the root of their teeth, but the money makers of Lin'an Mansion (that is, professional money lenders and debt collectors) did not dare to hate, because Han Fu could not afford to offend, and they dared to be a little dissatisfied, and Wu Song of Lin'an Mansion dared to put them all in prison and then send them to mining.

The fourth business is venture capital.

For example, a merchant has a business with the Western Xia or Jin countries, and has a contract, but the scale and capital are not enough, and he wants to expand his business. Then the trench will contribute money, people, and technology, and then occupy a share of the store.

The shop has the first right of redemption, and if the owner of the shop is unwilling to redeem his share, the moat has the right to sell it to someone else.

These four businesses, in the eyes of ordinary people in Lin'an Mansion at this time, are all righteous deeds.

Why is it said that it is a righteous act to save money without paying interest, because the poor family has no place to hide money, and now it is not the usual money of 770 Wen in Bianliang, and now it costs more than 100 catties for 10 yuan, and more than 1,000 catties for 100 yuan.

Take Lu Feng as an example.

As a Zhengjiupin official, because he is a Beijing official, in addition to various subsidies every month, he has a basic salary income of 15 yuan, which is converted into more than 40,000 copper coins, and he has to fill several boxes.

He wanted to save some money to buy his own house, and the place he rented had been dug five feet out and the walls had been knocked down. It's just to hide money.