Wang Yue's question made the shareholders present silent, because this question pointed to a concern in their hearts, that is, businessmen who have no backing are fattening pigs to be slaughtered for the government, and when the pigs are fat, they can be killed and eaten.

Many magistrates took a fancy to the goods carried by the passing merchants, so they slandered the other party as thieves, and directly sent troops to kill people and seize money, but the merchants were helpless about this, so in addition to the powerful wealthy merchants, long-distance goods selling is really in crisis.

The merchants of Huangzhou have the big backer of the King of Xiyang, and the general state and county officials dare not slaughter them as fat pigs, but when the local officials are replaced by Beijing officials, it is not the local government but the imperial court that makes the decision, which is not very good.

As Wang Yue asked, if the imperial court 'borrowed' money from the merchants of Huangzhou, would it borrow or not? Whichever choice is made, it will be a loss for Huangzhou businessmen.

Merchants all know that when they are running around, they must "not show their wealth" so as not to invite trouble, and if the Huangzhou businessman Jia Ruo repeatedly and repeatedly donates huge sums of money to the war, sooner or later he will be noticed by the well-intentioned people in the court, and then make a wrong decision.

Today's Chang'an court is in urgent need of money, in case someone picks up, really borrows money from wealthy businessmen from all over the world, including Huangzhou businessmen, after borrowing money, they don't say they can't pay it back, but they don't know when they can have money to pay back, what should they do then?

Not to mention that since ancient times, in the eyes of the rulers, the merchants are like untouchables, if the court really borrows money and turns around and denies it, what can the merchants do? When things came to this level, King Xiyang could only sigh but was helpless.

Everyone has heard a sentence from the king of Xiyang, the stronger the lion, the more powerful, but the stronger a pig is, the more dangerous it is, the Huangzhou business group has always wanted to become a lion, but now it is just a pig, at most it is becoming a wild boar, so it is necessary to act in obscurity, and the wealth is not exposed.

However, the development of Huangzhou is obvious to all, and we all know that many workshops, breeders, and businessmen have made a lot of money, and the obvious increase in commercial tax revenue of the Huangzhou government every year also proves that there are more and more wealthy people in Huangzhou, and this situation cannot be concealed at all.

Therefore, Wang Yue emphasized again at this time that the so-called Taoguang Yanghui is not to conceal that he is rich, but to conceal how rich he is, and he must not give the outside world such an impression, that is, he can find Huangzhou businessmen to "borrow" money to spend when he is tight.

As long as there is a first time in this kind of thing, there will be a second and third time, and the profits that businessmen have worked hard to earn have become low-hanging fruit in the eyes of others.

Wang Yue began to explain why the King of Xiyang made such a decision: "The king is worried about this problem, so he does not plan to collect donations from everyone this time, but to solve the problem in a more obscure way. ”

A shareholder asked: "So, if we donate money to the king in the name of "borrowing money", there will be no problem, right?" ”

"The king of Xiyang fought for the country, and he was so embarrassed that he had to raise debts to raise soldiers, what would the Son of Heaven think when he found out? What will King Qi think when he finds out? ”

Wang Yue's retort was very sharp, and the shareholder wanted to understand that this would cause trouble, so he couldn't help but sneer: "Uh... What Brother Wang said is..."

"Actually, Wang was in Guangcheng before, and I heard the king say a lot of ideas, one of which made Wang feel like an initiation..."

Wang Yue began to further explain the reason why Xiyang Wang made such a decision, and the shareholders sat down when they heard this, listening carefully to what Wang Yue said about Xiyang Wang's exquisite idea.

What if you don't have enough money to spend?

Easy to do, borrowing, this kind of thing is not without precedent, the idiom is full of debts, when the Zhou Dynasty was exemplified, the debts of King Zhou could not be repaid, and he was forced to hide on a platform by the creditor.

When Wang Yue went to Guangcheng before and discussed with the king of Xiyang how to solve the problem of lack of money, the king of Xiyang put forward an idea, that is, the Huangzhou government borrowed money from the people, but the way of borrowing was very special, that is, to issue "bonds" for the people to subscribe.

A bond with a face value of 1,000 wen is for one year, and when the term is up, the person holding the bond goes to the government to cash it, and in addition to the principal of 1,000 wen, there is also an interest of 200, that is, the interest on the bond is 20%.

In short, the government issues bonds and uses interest to attract people to buy them, so as to obtain a large amount of funds and alleviate the financial crisis, and the transaction of bonds is a matter of your will, and there is no problem of forced apportionment by the government.

Hearing this, everyone present was stunned at first, and then clapped their hands and applauded, if the government borrows in this way, it is really a clever move, with the credit of the Huangzhou government, once the bonds are issued, I am afraid that they will be snapped up, and it will not be a problem to raise huge funds.

But why didn't the King of Xiyang take such measures to raise money?

In the face of everyone's questions, Wang Yue explained the reason: Now that the situation in the imperial court is improving, if there is news that the Huangzhou Governor's Mansion is borrowing, what will those wall-to-wall grasses in Henan and Lianghuai think about it?

The Yuwen clan couldn't hold it anymore, and they relied on borrowing to fight!

Not only do those wall grasses think so, but the traitorous party will inevitably rejoice, so this move is very likely to affect people's hearts, and King Xiyang is not sure how big the negative impact of borrowing will be, so he gave up this idea.

Wang Yue was afraid that everyone would not understand the possible consequences of this move, so he gave a popular example:

A certain workshop owner, a big business, a large overhead, the workshop is in debt, all rely on borrowing money to maintain the operation, at this time he wants to marry his daughter, then, is the dowry to his daughter particularly rich, or everything is thrifty?

This kind of question is easy to answer for the shareholders present, and they all agree that the owner of the workshop should slap his swollen face and become fat, and hold up the scene of marrying his daughter no matter what.

In this way, those creditors will not come to the door to collect debts in advance, and the workshop owners will borrow money next, and it will be easier to borrow a lot.

If the dowry is frugal, the creditors will know at a glance that the workshop owner's family is not in good shape, and they will inevitably flock to collect the debt in advance, and the workshop owner will not lend him money if he wants to borrow money again.

This is the truth, now that the Yuwen clan and the Yu Chi clan are fighting, seeing that the situation of the Yuwen clan is getting better and better, more and more people want to fall to the side of the Yuwen clan, but the news of the Yuwen clan's debt comes out, which will make those people stop and wait and see.

Nowadays, the situation has developed to a critical moment, and both sides are in difficulty, and at this time, we must slap our swollen faces and hold on to them, so as to frighten those who "don't know the truth".

Therefore, the king of Xiyang decided to use obscure means to solve the problem of lack of money, that is, to over-issue circulation coupons and print paper as money to spend.

Wang Yue's explanation went on here, and the shareholders present finally understood the good intentions of Xiyang Wang, and they no longer had the slightest worry about the over-issuance of negotiable coupons, because under normal circumstances, no one could concentrate enough negotiable coupons to Xiyang City to run on Rixingchang.

If there is, then we will talk about it, and it is a big deal to compensate in kind, and the money lost for this will definitely be earned back in the future.

The shareholders soon reached a consensus and decided to issue over-issued negotiable coupons on a large scale, and according to the statistics of the shopkeepers, the water conservancy and textile workshops in the boundaries of the two governors' offices of Huang and Hong will expand their production capacity year by year, and the face value of the over-issued negotiable coupons will be filled in about two years.

This is not blind optimism, since the king of Xiyang won Jiangzhou and Lingbiao, reopened the north-south trade route, and the broad market prospects, so that everyone is excited to think about it, and it is more convenient to start trading when the world is peaceful.

"That's right, when the world is peaceful, it will be more convenient to do business, but for Ri Xingchang, it is still quietly making money, and the court can't let the idea of borrowing money."

When Wang Yue said this, he picked up another topic: "Rixingchang Cabinet Workshop, profits depend on lending, but we will never lend usury, so we must offend many people unknowingly." ”

"As the saying goes, cutting off people's financial routes is like killing their parents, if someone has a strong hostility towards Ri Xingchang, it must be these usurers, because we make them have fewer opportunities to knock out their bones and suck the marrow, and if there is a large-scale run in the future, these people must be the masterminds behind the scenes."

"Let's talk about how to prepare for a rainy day?"