Yuwen Wen stared at Yang Ji when he heard this, the two looked at each other speechlessly, and after a while, Yuwen Wen smiled and said: "This father has not fallen to the point of lending usury to suck blood. Pen %Fun %Pavilion www.biquge.info"

"Guogong doesn't want to, but he can't help the partners from thinking, not only the cabinet shop, but also the quality warehouse and the like will inevitably appear." Yang Ji said that there was some sadness here, "The reputation of the quality bank is too bad, and the prince must not set foot in it." ”

"Opening a cabinet is tantamount to loan sharking? Yang Sima's logic is very strange! Yu Wenwen turned on the mouth cannon mode, "The usury is profitable, but the monthly interest rate is more than three points, is it as high as the glass mirror?" ”

"What the lower official said is that the partner is stealing chickens and dogs, and the state will not care about it at that time?"

"Tube, in the newly opened cabinet, which partner dares to engage in usury, my father will let him have no place to stand in Huangzhou!"

Yuwen Wen has always been honest, "Whoever kills the whole family will kill the whole family", the previous batch of privately minted copper coins have been shoveled by his family, since he has expressed his position now, then Yang Ji is a little more relieved.

"Guogong, the lower officials are also worried, Huangzhou is prosperous in commerce, and if it continues like this, the situation of large-scale loan sharking will appear sooner or later, how to deal with it at that time? The people were ruined by the scourge, and their parents and officials could not ignore it. ”

"It's going to rain and the mother wants to get married, this kind of thing can't be forbidden, but the monks don't want to think about it, whoever dares to open the pledge warehouse and put usury on his father-in-law will eradicate his jungle!" Yu Wenwen said that this place is murderous.

"To be a monk, you should chant the scriptures and knock on the wooden fish, and if you dare to do business and buy land, you can go to the west and recite Amitabha!"

Usury has existed since ancient times, and the pledge bank is the name of the pawnshop in this era, which is actually the predecessor of the pawnshop, and it is a shop that lends money on collateral to collect interest.

In the Southern Dynasties, there has been a wide range of pledge banks, most of which are operated by temples in various places, generally using the incense money offered by good men and women as the capital to open a pledge loan business, and those who are in urgent need of money will take clothes, jewelry and even farm tools and other items with practical value and can be stored as collateral, and repay the principal and interest when due.

It sounds good to say what is called "helping the poor", the people take valuable things to the store as collateral, take the pledge to save the emergency, take the money to redeem before the deadline arrives, the pledge to save your emergency, and then charge appropriately.

In fact, the term of the loan is very short, the interest rate is very high, and the price of the pledge is often arbitrarily lowered, and if the loan cannot be repaid when it is due, the pledge will be confiscated, so it often leads to the bankruptcy of many families.

In the late Ming Dynasty of Yang Ji's life, the pawnbroking industry was already very prosperous, although the imperial court stipulated that the interest on pawn property should not exceed three cents per month, but in fact, some pawnshops arbitrarily extorted, and the interest taken far exceeded this.

At that time, Yang Jike had experienced the huge profits of the quality bank (pawnshop), and he had seen the miscellaneous drama "Shi Renyi Liu Hong Marrying a Maidservant", which described the reason for the development of Liu Hong, a merchant in Luoyang City, who opened a shop in the name of "helping the poor", and then began to make a fortune.

He turned scorched red gold into light gold, wrote good pearls into clam beads, wrote new clothes that were not worn on the upper body as "old clothes that had been dirty from the original exhibition", and used rotten money to pay for the pawn and other means to obtain thousands of ill-gotten gains.

This is the epitome of the real pawn industry, the pawnshop that evolved from the quality bank that appeared in the Southern Dynasties, said to be a "righteous act" to save people, but in fact it is a profiteering business, plus part-time usury, fattening many profiteers, but making the people gnash their teeth.

The emergence of the pledge bank has its own reasons, and the pawn industry is not clear about right and wrong, Yang Ji just doesn't want Yu Wenwen to take the road of usury and pawn, because it will really ruin his reputation.

If the ambition is just to be a rich prince, this kind of thing is done, after all, the reputation is worse, and it is more reassuring to sit on the throne, but if you want to go further, then...

"The pledge bank and usury are huge profits, but my father does not want this kind of huge profits, you can rest assured, the name of 'Guiliwen' will never appear, and the newly established cabinet will not put usury or concurrently operate the quality bank."

For some reason, Yu Wenwen doesn't care much about his reputation being a little bad, but that doesn't mean that he really doesn't value his reputation, and when it comes to matters of principle, it's not okay.

"Guogong, what is Guili?"

"Ah, that's what the Lingnan side calls for loan sharks."

Yang Ji was a little speechless about Yu Wenwen's own joke about his name, this is about the only one who has no taboos in these years, and it is a loss that he only said it in private, if it is like this in public, it will really be said to be...

It doesn't look like a human king.

"The monks of the Southern Dynasty have already opened a pledge bank, not to mention that usury is everywhere, whether this kind of thing is good or bad, it is forbidden to do it, and it can only be alleviated."

Speaking of which, Yu Wenwen promised a good prospect: the newly established cabinet not only controls the negotiable bills, but also is responsible for suppressing usury, of course, this is a long-term plan, if you don't believe it, wait and see.

"Others are usury, then the cabinet shop set up by the cloth merchant in Huangzhou will lend low-interest loans, and the merchants have malicious price reduction in business, so the loan can also be maliciously extorted, to see who can spend whom."

Yang Ji was quite surprised when he heard this, it seemed that the other party had more flowers and intestines than he thought, and Yu Wenwen revealed some plans,

The so-called mercenary is the only one, and it is difficult to cure usury, so it is not impossible to suppress it in another way, he can't control it elsewhere, but there are some methods in the Huangzhou territory, which are too simple and rude to strictly prohibit it, and Yuwenwen wants to fight poison with poison.

"The cabinet stores the large copper coins of the merchants and charges storage fees, even if it is the money bank and ticket number of the Ming Dynasty, which seems to be a matter of course, but the prince thinks otherwise."

Cabinets, money banks, ticket numbers, the profit model is to provide merchants with the service of depositing copper coins, charging service fees, another function is to lend, and then evolve into usury, pulling bones and peeling skin to suck blood, making a lot of money, but the reputation is so bad.

This is something that will appear sooner or later, and the ban can't be forbidden, so it is necessary to start first, Yuwenwen is now going to be different, so the newly established cabinet not only collects money when storing coins, but also gives money.

"You can still earn interest on your money!"

Yang Ji felt incredible when he heard this, since ancient times, the cabinet and the money village have to charge for saving money, and I have never heard of which one pays people to save money, which feels that the restaurant is not only free, but also gives money to customers.

But he thought about it, Yu Wenwen would not be so stupid, if there is interest on saving money, then it is conceivable that merchants will tend to deposit money in this cabinet shop, that is, let the money 'grow' money.

"Absorb funds by saving money with interest, guarantee the safety of funds with credit, avoid a run, and negotiable coupons can reduce the use of copper coins, so that the funds held by the cabinet are sufficient."

"Then lend a lot of money, of course, the interest rate will not be high, if the Huangzhou territory is more generous than the capital, those loan sharks who fight alone can fight over the cabinet?" (To be continued.) )