When Zhu Houzhao heard Shen Xi's answer, he couldn't help swallowing his saliva, and said helplessly: "I don't have anything to sell...... Uh, the eunuchs in my palace, and those palace maids, which clever one do you look at, bring it back when I pay off the debt...... Aha, sir, it's getting late, it's time for you to go back, right? ”

Shen Xi thought to himself, stinky boy, do you want to beat me haha and fool around?

Which of the palace maids and eunuchs of the Fang Palace can I take out of the palace? If I don't finish the "borrow and return" class for you today, I won't leave. Pen? Interesting? Pavilion wWw. ｂiquge。 ｉｎfo

"The prince can't return it, so why do you have to make a note, if the prince will repay the account in the future, the minister will have a certificate in his hand." Shen Xi naturally raised the issue of "IOU".

If you don't pay back the money, you will set up a note first, not because you are afraid that your kid will return to pay the bill, but because I am teaching you the basic rules of this society.

"What note?"

Zhu Houzhao looked dazed.

Obviously, he has never heard of the need to write a note for owing money, and even it is not common for royal people to ask for money in an empty mouth, because others will obediently send it with interest, and even if they take the money, they will not make an IOU, because the world is the emperor's, and you can afford to take your little money, and you dare to collect debts from the royal family?

Shen Xi said: "The prince borrowed Weichen's silver, and now he can't afford to repay it, of course, he must write down the capital and interest clearly, if the prince has the ability to repay it in the future, the minister can also take this note and ask the prince for it." ”

Zhu Houzhao said angrily: "Sir, you ...... You're ...... It's too strong, isn't it? Didn't I borrow a few taels of silver from you...... Okay, how do you write that? ”

Originally, I thought that Shen Xi didn't trust him, and the bear child felt a little sad in his heart, but after thinking about it, it seems to be quite fun to write an IOU, anyway, my dad is rich all over the world, and I won't be able to pay it back in the future, so let my dad pay you back.

Shen Xi said: "The amount of silver the prince borrowed, it should be clearly stated, the interest rate is a few cents, when it will be repaid in the future, and what will be used to pay off the debt after the deadline is overdue." ”

"That's easy, you wait."

Zhu Houzhao went to the desk, took out the pen, ink, paper and inkstone, and sent it to Shen Xi, and said, "Sir, just say it, I'll just write it." ”

"No, this matter must be done by the prince himself...... Wechen is a moneylender, if the prince talks about this matter and only says that Wechen is blackmailing, it will not be good. ”

Shen Xi bowed respectfully.

"Okay, if you don't write, I'll write it...... Hey, what a trouble, sir, do you think this is okay, I said, I borrowed my husband's money, and I will return it in a year, a year...... I'll give you double the interest, what do you think? It's more than a few cents, right? ”

Zhu Houzhao thought he was generous, and when he came up, he paid Shen Xi double the interest, completely letting Shen Xi sit on the ground and make a fortune.

But Shen Xi is not for money, but for educating bear children.

Shen Xi said: "The prince knows that the monthly interest rate is thirty percent, and the usury with rolling interest is rolling, and after one or two pieces of silver for a year, how much can the principal and interest be?" ”

Zhu Houzhao has not received a systematic mathematics education, of course, he doesn't understand the horror of nine out of thirteen returns, he just said casually: "At most, it's not more than two taels, right?" ”

Shen Xi shook his head and said: "Has the prince ever thought that even if it is not a rolling interest, just this monthly interest of 30%, 12 months a year, is 36%. ”

"Huh!? Are there so many? Isn't that why I should lend you a tael of silver, and I will have to pay you back...... Four, two, six? Zhu Houzhao was speechless.

Shen Xi nodded: "The prince must not think that Weichen is a mouthful, the monthly interest rate is thirty percent, which is the standard given by the lenders on the market, and in the case of rolling interest, borrowing one or two silver, the actual hand is only nine yuan, but if it is returned after a year, it will take twenty-three taels." ”

"Huh?"

Zhu Houzhao was not stunned this time, but frightened.

One tael of silver can be changed into twenty-three taels a year, which is directly increased by twenty-three times, which is only the monthly interest rate that he thinks is insignificant.

Zhu Houzhao remembered the silver he owed Shen Xi, and hurriedly smiled: "Sir, we have something to discuss, you see that I borrowed your silver to do good deeds...... Otherwise, when I become the emperor, I can pay you back as much as I want, or ...... I was a eunuch a month, and I officially cashed it out when I became emperor...... When the time comes, send these eunuchs to your house, bring you tea, hand water, pinch your waist and beat your legs, hey, isn't it good? ”

Shen Xi smiled dumbly and asked, "Dare to ask the prince, what does Weichen want so many eunuchs for?" ”

"You don't like eunuchs? Then give you the palace maid, doesn't it say that the big husband likes women? I don't think there is anything good about women, but if they can have children, I will give you more palace maids and let them give you a lot of children. Zhu Houzhao continued to say unreliable words.

Shen Xi shook his head and said, "What Weichen wants is for the prince to return the money, not to make empty promises." ”

"What is a blank check? Sounds like a lot of fun. ”

Zhu Houzhao couldn't understand Shen Xi's words, but he was good at asking questions, especially what Shen Xi said, many of which were very novel, much more interesting than those old pedants.

Waiting for Shen Xi to explain the general meaning of the check, Zhu Houzhao said with a sad face: "I can't pay you back now, even if I make a note, wouldn't it still be a blank check for Mr.?" ”

"But it's a matter of responsibility."

Shen Xi said, "Since the prince owes something to anyone, he must return it in a practical and effective way, neither giving more nor treating him badly, but only in moderation." ”

"Huh? So what do I do? Zhu Houzhao asked.

"Weichen thinks that since the prince has borrowed the silver, Weichen does not ask for interest, but only asks the prince to set a time and return it when it seems to be returned." Shen Xi Road.

Zhu Houzhao laughed: "It turns out that I don't want interest, it scared me to death, then it's much easier, you wait, I'll write the note." Well, I ...... Zhu Houzhao, borrowed four taels of Mr. silver, and a year later...... No, I may not be able to be the emperor after a year, or else, I will say that I will return it after I become the emperor, and I will bring interest...... What does the gentleman think of ten taels? The gentleman does not want interest, and the six taels of silver should be honored to the gentleman. ”

Shen Xi shook his head, obviously dissatisfied.

"What the hell does the gentleman want?"

Zhu Houzhao's good temper is gone, and he starts to get angry, and he can only endure it for so long when he is facing Shen Xi, and he would have started to make trouble if he had changed someone else.

Shen Xi said: "The prince should remember that the concept of blank checks lies in the fact that there is no deadline, only numbers, dare to ask the prince...... If in another year and a half, Weichen unfortunately dies, will this silver be wasted? ”

"What...... Float? ”

Zhu Houzhao still didn't understand the new term that Shen Xi said.

No classic book will record such a superficial text as "playing in the water", this kind of word belongs to "slang", Zhu Houzhao is in contact with those old pedants on weekdays, full of "Zhihu also", no one uses Shen Xi's vernacular to talk to him.

"Drifting means that it is like a stone floating on water, but eventually the stone will fall into the water and sink to the bottom." Shen Xi said, "The most important points are the IOUs written by the prince who asked the prince, one is the amount of the loan, and the other is the date of return. ”

"I wrote it, you see, I borrowed you four taels and repaid you ten taels, after I became the emperor, isn't this the date?" Zhu Houzhao said with words.

Shen Xi smiled bitterly: "Dare to ask the prince, when will you ascend the throne?" ”

"Huh?"

At this time, Zhu Houzhao was speechless, although he had cursed his father to death on weekdays, but he couldn't say it too obviously, he scratched his head and said, "I understand what Mr. means, empty checks are unrealistic, right?" If I want to set a deadline, I must set it to be a few years, not a distant date...... Uh, let's do it for three years, and after I have three years, I'll return Mr.'s silver taels, and if I can't return it by then, Mr. will ask me to write a note, hehe. ”

It's so beautiful to think, if you can't return it after three years, you will write an IOU for three years, and then it will become three years and then three years?

"What if it's due?"

Shen Xi calculated the time, the historical Hongzhi Emperor died in June of the eighteenth year of Hongzhi, about four years from now, and three years later, Zhu Houzhao is fourteen years old, according to the development of history, the bear child will ascend the throne in another year.

The biggest variable is the arrival of Shen Xi!

Facts have proved that many historical events have also changed after Shen Xi's arrival, and some major events can no longer be judged by the historical timeline, so he deliberately left room for some plans.

"That'...... I can't sell my sons and daughters, even if it takes another three years, I won't have any children...... I can ask my father to marry me a princess, and then I will sell the princess to you! Ha ha. Zhu Houzhao was whimsical.

Shen Xi coughed and said, "Don't laugh at the prince." ”

"No smile, I'm serious, if my father really finds me the crown princess, I don't have the money to pay off the debt, so I will sell it to my husband to pay off the debt." Zhu Houzhao's face became very serious.

Shen Xi thought to himself, even if you are willing to give it, I dare not ask for it, I dare you to sell the crown princess to pay off the debt? Even if you don't kill me in return, the Chinese military and the people of the whole world will crush me to ashes.

"I don't accept it." Shen Xi said sharply.

"No, then wait for me to give birth to a son...... You definitely don't want it, or else, if I can't pay it back after three years, if there is anything around Prince Ben at that time, you can pick one at will, no matter how much Prince Ben likes it, I will give it to you, then it should be okay, right? Zhu Houzhao finally made an empty promise without a spectrum.

Although it is unreliable, Shen Xi finally feels that it is a little effective, Zhu Hou has the reason to borrow and repay, and he also knows that when the time comes, he will take out a favorite thing to repay the debt, and the goal will be achieved.

"Then the prince, please write an IOU." Shen Xi waved his hand.

Zhu Houzhao was stunned, picked up the pen, and wrote on the paper: "Today ......"

I wrote two words, crossed it out again, and re-wrote, "I borrowed four taels of silver from Mr. the day before yesterday, and I couldn't repay it, and I am scheduled to ......return it in three years."

"Write the time." Shen Xi reminded.

"Oh."

Zhu Hou responded, added "July 29th" to "return it in three years", then moistened the ink, and continued to write, "If you don't return it, let Mr. take anything from me, and hereby set up this note." ”

After a pause, Zhu Houzhao finally wrote his name and date, handed it to Shen Xidao, and said, "Sir, take a look, is there anything missing?" ”

"Nope."

Shen Xi didn't even look at it, because the words on it were like a dog crawling, just now when the bear child was writing, he had already noticed what was written, "Go back and practice calligraphy, you are the prince, you will be the emperor in the future, you can't write without a little style." ”

Zhu Houzhao pouted and said, "Oh." ”

He said yes, but in his heart he didn't think so...... If I practice calligraphy or not, what does it have to do with you? What will he ask me for then, stingy gentleman? No, I'm going to have to hide all the good stuff when I get back. (To be continued.) )