Chapter 187: Playing with an accident
Like Wang Qi, Wang Biao belongs to the Karasuma Wang clan, and his distant ancestors can be traced back to Wang Li, a general of the Qin Dynasty.
This vein belongs to Wang Li's second son, Wang Wei, and also belongs to the famous vein of the Wang family, and there are many influential cattle people in his ancestors.
Wang Biao is not very old, but due to Li Yuanjing's bad relationship with the family, Yang Yi still did some homework in advance with the help of the Fang family's relationship.
"Your Royal Highness, Wang's cousin grandfather Wang Longzhi was the assassin of Jiangzhou in the Northern Wei Dynasty, and his father Wang Xin is now the commander of Anyi County!"
Li Yuanjing nodded, Wang Biao's family is basically in decline, from the assassin history to the county order, Wang Xian should not have entered the office.
But Li Yuanjing still didn't have any slackness, no matter how much he declined, it was also the Wang family, representing the same Karasuma Wang clan, and it was dozens or hundreds of families like Wang Biao who formed the entire Karasuma Wang clan.
It's not obvious that a person is in decline, but what if it's dozens, hundreds, or even more people at the county order level?
"This king will talk to him personally!" Li Yuanjing felt that Wang Biao should not have come to take out a loan for himself, because generally people who take out loans follow the process, and few people who directly report their names ask for loans.
And the family's move was already expected, otherwise, why would he sit here?
Not a lot of kung fu, young, quite a three-point scribe style Wang Biao was brought over by Yang Yi.
Looking at Wang Biao, whose mood had not changed in the slightest, Li Yuanjing was even more convinced of his guess, the family did not necessarily have to be those bigwig-level people to end up in person, and it was the same to arrange some less conspicuous clansmen to handle it.
"Wang Biao has seen His Highness!" Wang Biao, who entered the back hall, did not appear too enthusiastic, and greeted him coldly.
Li Yuanjing doesn't care about these details, if you really want to be more serious, the arrogance of the family can make people die, for example, this title, Wang Biao has no official position, and he has not entered the office, although he is a nobleman, but at this time he can only use Xiaomin and other self-titles, but Wang Biao directly ignored these self-titles.
"I heard you want a loan?" Wang Biao was not enthusiastic, and Li Yuanjing had no reason to treat each other warmly, and he didn't even mean to greet him and sit down, so the two just sat and talked one by one.
"Self!"
"Have you understood the loan process?" Li Yuanjing asked formulaically.
"Naturally, I have understood, but the rules of the money village are not suitable this time, the Wang family is not a cat or a dog, of course, the difficulties of the money village can also be understood by the Wang family, so this loan must follow the previous rules, and the Wang family must get seventy percent of the collateral funds!" Wang Biao found a chair to sit down very calmly, and said unhurriedly.
"Oh?" Li Yuanjing squinted his eyes slightly at Wang Biao, suddenly smiled, and said, "It seems that your Wang family has put yourself at the same height as the imperial court!" ”
"That's not daring, the Wang family has enough ability to repay the loan, just with the word Wang, they can afford such treatment, doesn't His Royal Highness think that the world doesn't know the treatment of the imperial court?" Wang Biao seemed to have been on guard for a long time, and did not move at all in the face of Li Yuanjing's verbal trap, but asked calmly.
"Except for the imperial court, the whole world is treated the same, if you agree, you will talk, if you don't agree, this king has no time to talk nonsense with your Wang family!" Li Yuanjing replied easily.
What is the treatment of the imperial court? The treatment of the imperial court is also what these people dare to think?
In other words, what the court can give, is not what his royal family can give.
The collateral of the 300,000 yuan loan of the household department is the tax of the weaving workshop and the money house, and the principal of 300,000 yuan and the corresponding interest are directly deducted from the tax regardless of the profit, and these two do not need to pay taxes to the imperial court before the deduction is completed.
Can your royal family afford this kind of collateral?
In other words, although your Wang family is very strong, please face yourself squarely, don't make yourself like the imperial court, sitting on the orthodoxy of the world.
"500,000 yuan, one year, one percent of the interest rate!" Wang Biao smiled, and was also unmoved in the face of Li Yuanjing's words.
The two are not at the same step at all, Li Yuanjing talks about the rules, Wang Biao talks about interests, if Li Yuanjing talks about interests in turn, Wang Biao estimates that he will talk about something else.
"Is the interest rate of 5 out of 10 high?" Li Yuanjing looked at Wang Biao lightly, this is really a guy who feels good about himself, and he couldn't help shouting towards the door: "Send off!" ”
The interest rate of 50,000 yuan is really not low, 500,000 guan is 75,000 guan of interest in a year, the principal is not their own, but the interest is their own, even if the interest deducted to the depositor, the money bank can still earn more than 50,000 yuan, these are all given for free.
But Li Yuanjing was wary of these families from the beginning, and the loans given to them must be released, otherwise how will the later drama be played?
After sending Wang Biao away, Li Yuanjing waited for several other people, all of whom were young dolls, and their attitudes were very different, and even the conditions of the loan were not much different, the only difference was probably the amount of the loan.
The Wang family borrowed the most, 500,000 yuan, and the others mostly 300,000 or 400,000 yuan, and the Zheng family wanted to borrow 200,000 yuan.
Frankly speaking, after this batch of loans was released to them, the money bank was basically empty, leaving only more than one million yuan of book emergency funds.
However, Li Yuanjing's biggest crisis even to the money bank is the run tide, and he is not even afraid of dead and bad debts, and there are other means to make up for it.
The family's methods are not very clever, first directly help increase the reserve funds of the bank, and then use various means to borrow money openly or covertly, first take out the money of the bank, even if you need to pay some interest, it doesn't matter, when the money is in hand, what awaits them is the tide of runs.
"Check out the purpose of their loan!" Li Yuanjing commanded Liu Hu.
Although everything is a routine operation, the expected thing, but the family's wave of operations to their own feeling is still a little too anxious, if it is their own, they may not be able to personally end the loan, how to say it has to wait for a while, let the retail investors borrow more, and finally come back to themselves, the time point is best stuck in one year.
At this time, it is time to pay interest, and there will definitely be a run on the bank, but there is a time lag between the loan and the payment period of the bank, and there will inevitably be a shortage of funds.
Liu Hu didn't leave in a hurry, thought about it slightly, and said, "Your Highness, there are some guesses about the humble position!" ”
"Tell me about it!"
"After the war, the imperial court will dispose of a large amount of loot to raise funds to reward the soldiers, according to the traditional rules, most of these loot are eaten by the family at a low price, so that they can not only profit, but also help the imperial court to solve the urgent need, the current situation makes sense......