When Xu Ping and Zhang Yi were chatting, the messenger suddenly came to report, and Wen Yanbo outside was anxious to see Xu Ping. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Xu Ping was taken aback, hurriedly bid farewell to Zhang Yi, and walked out of Kaifeng Mansion quickly.

I saw Wen Yanbo under the big tree outside the mansion, so anxious that he was like an ant on a hot pot, turning around.

Seeing Xu Ping come out, Wen Yanbo hurriedly stepped forward and saluted, and said, "Provincial master, the big thing is not good!" ”

Xu Ping didn't want Zhang Yi on the side to see the joke, and said to Wen Yanbo: "If it is peaceful today, what big deal can it be?" Let's go back to the yamen together, and talk about something slowly. ”

Wen Yanbo looked at Zhang Yi, stopped talking, sighed, and left the Kaifeng Mansion with Xu Ping.

When he arrived at the royal street, he didn't go far, Wen Yanbo couldn't help it anymore, and went to Xu Ping's side and said, "Provincial Lord, this matter can't be delayed!" Zheng Tiju clashed with them because he found out that Jingshi Bank had non-compliance, and he wanted to lead troops to surround the bank! ”

"What?!" Xu Ping was taken aback and looked at Wen Yanbo with glaring eyes. "Sending troops to besiege the bank? Who gave him the guts! ”

Wen Yanbo spread his hands: "Zheng Tiju was ruthless, and he had to ask the people of Jingshi Bank for his crimes, so he had already taken the soldiers with him——"

Xu Ping only felt that his head was cloudy, and he couldn't keep up with the rhythm of this era. The Audit Department is an institution that audits accounts, Zheng Jian is really Yushitai, and he also led troops to surround the bank, and Yushitai didn't dare to do this! The three divisions do have soldiers, but they all have specific ministries, either to do engineering, or to take care of various warehouses to escort goods, and even to take people.

Regardless of the neglect, let Wen Yanbo lead the way, Xu Ping instructed Tan Hu to bring more than a dozen capable soldiers on horseback to stop Zheng Jian with him. If Zheng Jian is asked to do this, it will be a bad start, and it will be a question of whether the Audit Department can continue to exist. Auditing is already jealous, and you can take someone to pay it back! What's more, what kind of place is the bank, where the money is managed, and it can be surrounded by troops at will? If they plant some spoils casually, they won't be able to eat and walk around.

The headquarters of Jingshi Bank is located outside the Donghua Gate, close to the Imperial Palace, which is convenient for Zhao Zhen to ask questions from time to time, and the Kaifeng Mansion is on the west side of the Royal Street in the south of the Imperial City. Not the prime minister, no one can ride a horse in the imperial city unless there is a special purpose, Xu Ping and his entourage can only go east to bypass the imperial city, rush all the way, and rush to Donghua Gate. Turning the east corner tower, Pan Lou two or three hundred steps to the north, finally caught up with Zheng Jian.

Zheng Jian was riding on a horse, his face was flushed, and his muscles were bursting out, and he was hurrying north with more than 30 Sansi Xiang troops. Look at that posture, either to put out the fire, or to rush to the war.

Xu Ping and Wen Yanbo crossed the box army on foot, rushed to the front of the team, and said to Zheng Jian in a loud voice: "Tianxiu, what are you doing?" ”

Seeing that it was Xu Ping who arrived, Zheng Jian hurriedly stopped the team, dismounted and saluted, and said, "Report to the provincial lord, Zheng Tiju and others from the Jingshi Bank do not act in accordance with the regulations. I went to check the accounts, but I obstructed them in every way, and I still didn't say anything. The new audit department, how can it not be established! ”

Xu Ping was stunned for a moment before he said, "How do you want to stand up?" Take the soldiers to Liwei? You're only a few people! Not far from Donghua Gate is the forbidden army camp, you are not afraid that they will arrest you! Don't mess around, take someone back first, and we'll talk about it! ”

Zheng Jian protested and said: "The audit department colludes with the world's money and grain, and a few people in Jingshi Bank dare to openly disobey!" ”

Xu Ping sighed and said: "Your audit department is only for auditing, not for handling cases, not for Yushitai, and not for the trial court!" Okay, let the soldiers go back first, outside the imperial city, you openly led the troops, and there were a few heads! If there is anything, tell me slowly, and we will discuss it before making a decision. ”

Although he was a little reluctant, after all, he couldn't disobey Xu Ping's order, Zheng Jian asked the box army with the troops to go back, leaving only a few of his own entourage. This is a sensitive area, and after a while, Xu Ping saw someone from the Imperial City Division probing his brain next to him.

"Alas," Xu Ping sighed at Zheng Jian. "It's not far from Pan Lou over there, let's go inside and have a glass of wine, you can explain it to me in detail." Tianxiu, you remember, no matter what the audit department finds, it can only be reported, not investigated! ”

Zheng Jian was obviously not convinced, and found out about the cheats, of course, he had to investigate in detail. Where is the yamen honestly asking you to check? How can you find out if you don't need some means. Leading the troops by himself is just to control the scene, if he doesn't really want to take people.

When he arrived at Pan Tower, Xu Ping found a quiet small pavilion, asked the little guy to serve wine and food, and sat down with Zheng Jian and Wen Yanbo.

Seeing that Zheng Jian didn't have the heart to drink, Xu Ping said: "There are no outsiders here, let's say, what's going on?" ”

Wen Yanbo arched his hand: "Let me say it for Tiju." Two days ago, we heard rumors that someone in Kaifeng City had colluded with the powerful and opened a company that they didn't know what to do. There is only one thing these companies do, and that is to borrow money from the Jingshi Bank. ”

Xu Pingqi said: "They don't do business, what do they do with loans?" It is important to know that borrowing money from a bank has interest. ”

"Although the interest rate of borrowing money from the bank is several times higher than that of saving money, the annual interest is still only 10%, which is very low compared with the lending on the market. These people took money out of the bank and put it into the pledge bank in the city. Although I don't know how much annual interest they receive, I think it is much higher than the bank. At that time, when the banking regulations were enacted, it was expressly forbidden to lend to these companies that did not actually trade, and the loan amount should be linked to the transaction volume. Jingshi Bank did this, which is obviously a non-compliance case, and we naturally want to check when we get the news. Who would think that Zheng Tiju of Jingshi Bank insisted that they did not do things in violation of regulations, the Audit Department is making a big fuss, and Jingshi Bank is not under the control of the Third Division, so it is unreasonable for us to investigate him. The more the two sides talked, the more stiff they became, and the more Zheng Tiju said that he felt that they must have ghosts, so he returned to the yamen and ordered the soldiers-"

"Wait!" Xu Ping stopped Wen Yanbo's words, "You mean, someone opened a false company to cheat loans from the bank?" ”

Wen Yanbo thought for a while and nodded: "That's what it means!" ”

"Talent—" Xu Ping didn't know whether to laugh or scold. The bank has only been open for a long time, and someone has taken advantage of the loopholes. But it's not surprising to think about it, no one does the business of killing heads, and there are always people racking their brains to figure out how to make money.

It is no exaggeration to say that it will not be long before all kinds of methods of making money from banks, whether legal and compliant, or swaggering, will be invented one by one. At this point, believe in human wisdom, if that is also wisdom. Later generations felt that the ancients did not see the methods that they could not think of, but in fact it was just an illusion, either they thought of it but it was not handed down, or the conditions at that time did not allow it. As long as the conditions are met, all kinds of ideas will pop up. Xu Ping believed in this more and more, and understood that all he had to do was to set up the stage, and people in this era would go up to sing by themselves.

Banks make money by using the interest rate difference between deposits and loans, and companies that cheat on loans use the interest rate difference between bank loans and social loans to make money. If you can't do this, you can only be a simple liar, and then the problem will be solved.

What if they can really control the risk cost of social loans? Then the problem is complicated. Under the current conditions, they have helped Jingshi Bank solve the problem of lending, so they don't have to worry about no one to speak for them.

What kind of people have the energy to control the risks of social lending?