"Lord Wang! The prince ......"

Footsteps rang out, and a somewhat familiar sound was heard. Zhu Cihuan, who was sitting in the study and worried, raised his eyes suddenly, and saw that the door of his study was pushed open, and a man with a short figure and a scholar's dress had appeared outside the door.

This man is about twenty-five or sixteen years old, with a particularly serious Chinese face, a beard, and bright eyes, and he looks like a person. In fact, he does have a bit of a background, he is the eldest son of the Grand Duke of Shangshu Luo of the Ministry of Foreign Affairs. Luo Zhichen and Zhu Cijiong are classmates in middle school, Luo Zhichen studied hard, and his brain is good, and after graduating from middle school, he was admitted to the management department of Nanjing University Hall. The so-called manager department is actually finance, finance, and accounting. Luo Zhichen will take the official examination in his hometown in Shanghai after graduation, and when Zhu Cihuan went to Shanghai to start a business, he was already the deputy chief accountant of the Shanghai Government Tax Department.

The job of the accountant of the tax department is to review the accounts of the commercial banks that pay the ad valorec commercial tax in the jurisdiction - the local commercial tax collection method in the Ming Dynasty is now divided into two types: contract tax and ad valorec tax.

Most of the commercial banks that pay contract tax are in the retail and service industries, which do not need to issue invoices to customers, and do not need to conduct capital transactions through banks and banks. This kind of industry is difficult to measure, so it is simply based on the size of the business site or the size of the operating tools (vehicles, boats) to set a one-size-fits-all tax package.

According to the current "Commercial Law" and "Tax Law", all bulk goods to be cleared, whether through the customs or inland customs customs, need to issue invoices printed by the household department, and the checkpoint tax officer will collect taxes according to the amount on the invoice after checking the invoice and the goods.

If the goods do not have an invoice (no invoice is not necessarily tax evasion), then when passing through the customs and tax card, you need to report it truthfully, and the tax officer at the checkpoint will issue a checkpoint invoice and levy an additional invoice tax.

All commercial banks that pay ad valorec tax need to keep a large number of invoices and documents, and make running accounts in accordance with the requirements of the Commercial Law and the Tax Law, so as to be ready to cope with the inspection of the accountants of the local tax departments at any time.

Although Zhu Cihuan's stock bank does not need a customs duty card, its capital transactions must go through banks and money banks - stock banks cannot absorb deposits, and customers' deposits are managed by designated banks and money banks. The stocks held by the stock bank must also be held in custody on the exchange, and only when the customer needs to receive the certificate, the stock holder can go to the exchange to receive the stock certificate with the application letter signed by the customer, that is, a stock like a silver ticket.

Therefore, the accounts of the stock bank are generally very clear and can be taxed on the subject, so they are naturally the subject of examination by the accountants of the local tax department.

Because of the audit of the accounts, Luo Zhichen had a relationship with Zhu Cihuan, who he hadn't seen for many years, and became good friends for a while.

The reason why it was once was because Luo Zhichen had a face-to-face with Zhu Cihuan more than two months ago. The reason for the reversal was that Luo Zhichen's accountant discovered that Zhu Cihuan's Chongqing stock bank was lending money to customers in violation of the law - this is an illegal act of the Securities Law!

Of course, Luo Zhichen is the deputy chief accountant of the tax department, not the deputy chief accountant of the Shanghai Stock Exchange (Daming still does not have a CSRC, so the exchange assumes the function of supervision and punishment), so you can also ignore this idle matter. But he is "an upright official", so he first seriously pointed out the problem of the Chongqing trip to Zhu Cihuan, and then asked Zhu Cihuan to rectify it immediately.

After Zhu Cihuan refused to rectify, he was still not enough to report the Chongqing Bank to the exchange, causing the Chongqing Bank to be fined by the exchange and subject to further review. If the review is not qualified, Chongqing Bank will lose its qualification as a member of the exchange!

As a result, because the accounts of the Chongqing Bank were too messy, Zhu Cihuan was very uncooperative, and the accountant of the exchange also had a headache, and the stock market plummeted before he could finish the check!

If the accountants of the exchange had checked quickly and revoked the membership of the Chongqing Stock Bank earlier, Zhu Cihuan might have more than 100,000 taels of family property left...... At least you can keep the emperor's pension money!

Now it's miserable, most of the loans issued by Chongqing stock banks to customers can't be recovered! This loss alone is enough to bankrupt Zhu Cihuan......

Seeing Luo Zhichen, Zhu Cihuan remembered his advice more than two months ago. I listened to him at the time, why is there today?

"Zhicheng (Luo Zhichen's words) brother, I, I'm finished......" Zhu Cihuan said this, and the tears could not be stopped anymore.

Luo Zhichen was also anxious when he saw Zhu Cihuan, and stomped his feet and said, "Lord Wang, why are you still at home?" ”

"I, I'm not at home, where can I go?" Zhu Cihuan asked stunned.

He can't clean up the mess of the Chongqing stock bank...... The money owed to the bank, coupled with a lot of guarantee agreements (the stock bank can manage money on behalf of customers), the Chongqing bank owes at least one million!

"You, you, you ......" Luo Zhichen was so angry that this stupid prince was speechless, "You have to flee!" ”

"Escape?" Zhu Cihuan glared, "Why?" ”

yes, I didn't hear that the rogues were coming!

"Because you signed a guarantee!" Luo Zhichen said, "The guarantee is not signed randomly, and you have to bear the accounts that the Chongqing Bank can't pay...... Can you afford it? ”

"I, I, I...... I'm the king of the county! Zhu Cihuan's heart was crossed, and his teeth were gritted, "I won't pay it back, what can they do with me?" My third brother didn't pay back the money back then, and those creditors didn't do anything to him! ”

"You ......" Luo Zhichen is in a hurry, this prince is stupid! Can he be compared to the "loan king"? The "loan king" has an army, and those creditors don't collect debts at all, which is a real debt. As long as Zhu Cijiong can play a situation, those creditors will become heroes, and they are afraid that they will not be able to earn it back?

"Don't say anything," Luo Zhichen stopped talking nonsense with Zhu Cihuan, "Hurry up and clean up, let's leave immediately!" Don't go again...... His Royal Highness King Lu is coming to get people! ”

Zhu Yihai, the king of Lu, did not become the lord of Fangzhen like Zhu Yujian, the king of Tang, but Zhu Cihong did not lose him, and gave him the title of "overcoming difficulties", and let him replace Zhu Yousong, who died of illness, as the order of the sect, and was in charge of the main courtyard of the great sect.

The main court of this great sect has judicial powers, and all those who are listed in the clan will be taken into custody and arrested by the main court of the great sect and participate in the trial.

Of course, after Zhu Cihong reformed the clan system, the scale of the clan was greatly reduced, and not all those who were listed as jade were clans, only if they or their parents had a title, they could be listed in the genealogy and be regarded as members of the Ming clan. Otherwise, you can only list the jade (family tree) and have no ancestry, and you can only be regarded as a distant relative of the emperor, and there are basically no privileges.

"King Lu came to arrest me?" Zhu Cihuan panicked suddenly, "Why, why?" ”

"Why?" Luo Zhichen was angry, "You lost all the emperor's pension money!" ”

He was actually scaring Zhu Cihuan, because there is no "crime of cheating fathers" in "Chongzhen Law" (Criminal Law). The son lost Lao Tzu's money, and the yamen didn't care about it...... However, if the debt is not repaid to a certain amount, it can be criminally liable!

As soon as Chongqing fails, Zhu Cihuan's foolish guarantees will be his debts! As soon as the creditor sues, he will be held criminally liable. And Zhu Yihai, the king of Lu, came to Shanghai at the behest of Zhu Cihong, just to scare Zhu Cihuan.

That's right, it's just to scare...... Zhu Cihong didn't want to lock up his brother, he just wanted to scare him away.

So Luo Zhichen also received a "chicken feather letter" from his father Luo Dagong, asking him to find a way to arrange for Zhu Cihuan to leave......

When Zhu Cihuan thought of Emperor Chongzhen's pension money, his whole person trembled.

"I, I'm not filial, I'm not filial, I'm ......"

Luo Zhichen had already handed over a few United States stocks at this time, "Lord Wang, these are five United States stocks, which can be exchanged for 5,000 acres of land...... Take it to the Americas! Leave the matter of Chongqing to me to deal with the aftermath! ”