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Luo Ji's meaning Bai Liyan understood the ** of ten, the lending situation of the Yuncang faction is not simply money lending, to be precise, multi-channel financing, diversifying sources of funds, and diversifying risks.

In short, the Yuncang faction wants to take advantage of the developed economic market of Xianguo to open a financing company to facilitate the financing of enterprises by introducing capital channels to enterprises.

For example, Company A needs to borrow 10 million yuan, but it has reached the upper limit of Company A's borrowing from the bank, and if it wants to borrow again, it can only borrow from the private sector, but this is illegal in a modern society with a sound judiciary, but it is legal at present.

If modern companies want to continue to borrow legally, they can only take the road of financing, and obtain funds through financing headhunters. The financing company's funds are obtained through the company's own and even other channels, so the cost of financing is higher than that of bank loans.

At present, the interest rate of private borrowing is extremely high, which also encourages private borrowing. What the Yuncang faction wants is to eat up the financing market of Xianguo and make it exclusive to it.

As a wealthy sect, the Yuncang faction borrowed a large amount of money from the powerful and wealthy people, and the amount was huge, so it did not dare to contribute alone, and in case of unilateral breaking, its losses would undoubtedly be huge.

Therefore, it is common for them to contribute half of the money, and then find one or more other powerful people to lend the other half of the money. Speaking of it, everyone who has money earns together, once something goes wrong, everyone bears the risk together, and the powerful who have suffered losses will also collect debts by themselves, avoiding losses to the greatest extent, and at the same time passing on the contradiction of debt collection.

In fact, the Yuncang faction also has a large number of pawnshop stores in Xianguo, which is not less than that of Liang Guo, but the business of lending is very ordinary, because the main business items of the bank are deposits and loans, a considerable number of individuals and private handicraftsmen can obtain loans at lower interest rates in the bank, and there is a legal guarantee.

And the elite and wealthy class of the Xianguo are not ordinary wealthy, and they casually take out thousands of new coins without blinking an eyelid, which further overturns the profit space of the Yuncang faction, so the Yuncang faction does not have much market for borrowing in the Xianguo.

In addition, this year's Wang family incident and the rectification of the underground capital market, Xianguo's private lending was generally managed.

This time, the opening of financing channels in the name of Qianfang is not so much to regroup, but to open loans in the name of the official to attract "consumer groups".

Compared with the current sound laws and enlightened politics, the capital market of Xianguo provides security and development space for capital, and compared with the backward system of other princes who are still stuck in the agricultural civilization, the legal system and capital market of Xianguo are more attractive.

As far as the matter is concerned, Luo Ji promised to help, and there was no loss to himself, and the Jin Xuedi people gave money to the royal guest every time they went on the Northern Expedition to Yuncang, in exchange for the royal guest's network channels and armed protection.

This time, regardless of whether the armpit people exist or not, the Yuncang faction has obtained the market of Xianguo, and the business can be done in peacetime, and the money and efforts during the war are indispensable, and the benefits obtained after the war are indispensable to the Yuncang faction, so the starting point of Luo Ji's consideration is not because of the armpit people, but still because of capital interests and capital hedging.

Bailiyan does not reject capital, but rejects the politics of capital kidnapping, and the practice of the Yuncang faction is obviously the core of the traditional crony politics in the current historical environment.

However, in terms of the advanced system and legal system that will be increasingly opened up and improved in the long term, the Yuncang faction after the reunification of the Central Plains can completely participate in economic construction as the bigwigs of the economic circles, and in the future, it can strengthen prevention, improve legal constraints, put an end to the hidden danger of capital kidnapping politics in the system, and make good use of the capital of the Yuncang faction.

In view of this, Bai Liyan said solemnly:

"Ben Hou does not object to this matter, but if I want my king to agree, I do not recommend that your faction operate in Xianguo under the name of 'Qianfang', it is better to change the name."

"But in another name, how can we protect the interests of our faction?" Luo Ji was worried that what he actually valued was not the business of the money shop, but the system and legal protection of the Xianguo money shop, and there was no legal guarantee for private lending, so of course he couldn't take risks for it.

Bai Liyan thought about what he thought, and comforted:

"Master Luo can rest assured that after the turmoil of the king's family this year, my country attaches great importance to the matter of lending, so in the second half of this year, the imperial court has successively established a new code system to restrict and regulate lending. If your faction is interested, you may wish to send someone to review and draft the code system together, so as to help our country improve the new law and introduce it as soon as possible to calm people's hearts. ”

As soon as this statement came out, Luo Ji, Chu Shiyuan and others looked at each other with suspicion, and Chu Shiyuan hurriedly asked:

"The law has always been the instrument of the royal family, and the Marquis of Yongxing asked me to send people to review and establish the code system, is this an exaggeration?"

"Lord Chumen asked well, but the law is the monarch's instrument, but have you ever considered that all walks of life in the world have their own rules, if the court law can not take into account the rules of all walks of life, and the court itself arbitrarily set up a system of rules and regulations, it will be good, if it is not good, it will cause the people to lose and complain, and at worst it will cause a disaster crisis to survive.

However, your faction has been doing business for hundreds of years, and the rules are all over the world, and the new law in China is originally to restrain the proliferation of private loans in the country, and it cannot take into account other things.

And your faction is familiar with this way, if you can make suggestions and suggestions to help our country improve the new law, not only can protect the interests of your faction in our country, but also can take into account the interests of all walks of life. ”

Bailiyan has been revising the law for many years, and can only take into account the overall situation and restore the most basic fairness and justice to the society, but it is still not sound, let alone perfect, especially in the face of new things that continue to appear, the speed of Xianguo's legislation is no longer enough, and it is simply impossible to cope with it by relying solely on the existing bureaucratic system and Yongxing academics.

The best way to do this is to introduce existing rules, especially those that are widely accepted by the market, and modify them to a certain extent, adding far-sighted rules and regulations to adapt them to the current national conditions.

Neither can we overturn all the things and reinvent them, nor can we mix too many rules and regulations beyond the current political system and historical background to restrict the development of the industry itself.

At present, it is still taboo to allow factions to participate in politics, even if they are strategists such as sincerity, foolishness, and eloquence, they only stay at the level of making suggestions for foreign countries, and have not yet been deeply involved in the reform of the domestic system and the change of power, let alone let an expatriate participate in the formulation of the rules for the division of interests.

Bailiyan's proposal is undoubtedly a precedent in the current history, and the two factions of Yuncang and Yuke can't help but be refreshed.

After some discussion, the head of the house, Luo Ji, said:

"The old man still has to think about this matter, why don't you go to your country in the future and talk about it?"

Bailiyan happily promised:

"That's fine, I will go to greet you in person on the next day, and wait for your faction."

The sect's participation in politics has always been feared by the monarch and the elite, and it is not difficult to understand Luo Ji's concerns, but everyone is worried about the truth that Lu Fu will suffer. But Bai Liyan was not worried that Luo Ji would not back down halfway, but he saw another noteworthy detail, that is, "people's hearts are back".

However, where there are people and society, there are forces and groups, and the people's hearts not only refer to the broad masses of the people, but also refer to the establishment and inherent industry groups that exist in the social strata. This group of people is both far from the core, but has a wide range of influence.

However, the traditional monarchy and elite class easily ignore the existence of these two groups of people, and always confuse them with profiteers and ordinary people, completely ignoring their social influence, and even the financial resources and connections behind them.

As a "chain pawnshop" all over the Central Plains, although its social influence appeal is limited, the connections and gray channels all over the world are an invisible force, and once mobilized, the power is amazing.

Bai Liyan suddenly discovered at this time that in fact, from this moment on, the decline and disintegration of the Liang State was inevitable.

First he dug up the Ligong faction, and now he was pulled away from the inconspicuous cloud warehouse, the corner of the Imperial Building, and just like that, a brick was cut off today, a beam was removed tomorrow, and the corner of the wall was dug up little by little to destroy the foundation. When the corner of the wall is dug up, no matter how majestic the high-rise building is, it is just a vanity in the sky, and it does not even need to be pushed, its own weight is enough to crush it.

What we need to do now is to win over and unite those sects that are decent in the world, unite them around us, and promote economic development for Xianguo in the short term, and accumulate experience in related industries.

In the long run, it can be used as a faction for future structural reform, participating in some policy formulations, so as to improve the institutional system, establish a central government with a high degree of centralization, and encourage all walks of life and sects to participate in and discuss politics, so as to open up a new situation in governing the country.

……

The results of the talks with the Yuncang faction were satisfactory, and the planetarium was finally taken by Bai Liyan, and three sets of photographs were taken at the same time, two sets were given to Xiao Gongyi, and one set was handed over to Luo Ji for safekeeping, and Bai Liyan kept the negatives and originals for research.

The joy of the enthronement of the Son of Heaven has not yet dissipated, and the envoys of various countries have begun to return to their countries one after another, and those who come are the earliest to go, and those who come the latest are not slow.

It was already low in November, and Bailiyan decided to leave for China to implement the results of the negotiations and Yongxing production as soon as possible. Before that, I had to go to Tianyungang to inspect the gold ore.

Shortly after arriving in Jinye in October, after negotiating with Ji Feng, Bailiyan sent people to the port to inspect the goods, so as to prevent the traitor from using pyrite ore (i.e., fool's gold) to defraud the contractor.

In general, the quality of this batch of gold and silver ore is still good, the results of the assay show that arsenide and antimonide are still the main toxic components, in addition to the discovery of a considerable amount of high-quality nickel mixed in the silver ore, at present, the total amount of nickel is still considerable, even if only three or two tons, it is a terrible harvest.

Liang Guo's batch of ore Baili Yan once asked Xiao Gongyi to inquire, and the results of the inquiry were shocking.

It turned out to be a gold mine discovered in the northwest of Sun during the Black Turban Rebellion, but it was abandoned due to the severe poison produced by the smelting process.

After the destruction of the black scarf, this batch of ore was transferred to Liang Guo as a bargaining chip in exchange, but the foolish faction played a trick at the time and did not say that it was poisonous. After Liang Guo took over, thousands of tons of ore became a shelf of goods.

This time to the Xianguo, not only as a currency transaction, but also to harm the Xianguo, and at the same time take the opportunity to obtain the Xianguo smelting process, if the country is defeated in the future, Liang Guo to obtain the Xianguo smelting poison ore technology, will inevitably cut off the county where the gold mine is located and occupy it for its own, which can be described as killing four birds with one stone. I want to chat about "Empire Travel" with more like-minded people, pay attention to "excellent reading literature" on WeChat, talk about life, and find confidants~