In the hall of the chief of the Yamen of the Third Division, Xu Ping said to Zhao He, the deputy envoy of Yantie, and Ye Qingchen, the judge: "The Jingshi Bank has lent money to the outside world this time, and it will inevitably cause chaos in the future. Pen, fun, pavilion www. biquge。 infoYou have to keep an eye on the companies under the three divisions, and you must pay the interest on time, and repay the loan money in full when due, without a single day of delay. Don't blame us for the mess. ”

The two agreed, and Ye Qingchen asked, "Provincial Lord, just do this?" We don't care about this? ”

Xu Ping sighed: "What's the matter?" Zhongshu doesn't want to take care of it, Kaifeng Mansion doesn't dare to take care of it, we can't manage it, so we have to let them do it. I estimate that in the end, there was chaos, and it was also under the rule of Kaifeng Mansion. Do you think, these fictitious companies have borrowed money, where do they send it to make money? Come to think of it, there are only quality warehouses all over the capital. If you open a quality warehouse, you are either rich or expensive, and to be honest, it is difficult to manage it. But then again, if the money is lent to these people, the bank may not really lose the capital. ”

Zhao He nodded: "According to the temperament of those servants in charge of the Jingshi Bank, no one in the world dares to lose their money, and they don't need to find others, and they can also clean up the people who owe money to death." Alas, it's just pitiful, and those who borrow money from the treasury are afraid that they will suffer more. Banks cannot collect interest a day later, and the pledge bank will inevitably destroy them. ”

"Why do you say there's going to be a mess? It is because the money is loaned out from the pledge treasury, and there will inevitably be countless tragedies of forcing people to sell their children, and then there will be lawsuits in Kaifeng Mansion. This kind of money lending will inevitably involve private gambling, and this mess will be big. But there is no way, we can't control this, we can only tighten our own fence and don't take the blame for others. ”

Xu Ping really has no choice, the bank loans flow to the society, without the rapid development of industry and commerce absorption, what good things can happen? Unable to borrow money from banks, some people are in a hurry to use the money and have to sell their businesses, and others look very pitiful, and they can't help but wonder if the official issuance of low-interest loans is not good governance for these people?

As a matter of fact, banks lend small amounts to private individuals, first, by taking up bank funds, and even Xu Ping's credit cards in his previous life were restricted from cashing out, which affects the bank's profitability. Another private loan is very risky, and the bank's repayment cost is too high, and this cost will inevitably be passed on in other directions, which is not conducive to the entire social economy. What's more, even if these risks and costs are borne by the government, the loans will not reach the people who really need them. Private lending also has to pay attention to comparative efficiency, how much income can ordinary people bring? In the process of operation, a large number of these loans will inevitably flow to the gray industry.

So from the very beginning, Xu Ping cut off the way to lend to private individuals. But this profit space is there after all, as long as it is operated properly, there is no need to worry about finding someone to support it. If you don't wait for the occurrence of a large number of vicious cases caused by this, no one will listen to what Xu Ping says, where can a person fight against an era? It's nice to be able to guide carefully. The only thing Xu Ping can do is to do his best to minimize this harm, because it is the people at the bottom who are really hurt.

After being silent for a while, Xu Ping said: "It's not that we don't have nothing to do about this matter, I have already instructed Liu Xin to carefully look at the companies that lend money, and if there is any change, I will report it to you here and the Audit Department." What can be done, we'll see when the time comes. ”

Zhao He sighed: "With Liu Chongzhi, this matter will not cause too much trouble." ”

What Liu Xin is best at is secretly working hard, sending spies to investigate privately, and he can't use the means on the table. His usual colleagues are annoyed by his problem, but at this time, I realized the benefits of his doing so.

Seeing that it was not early, Xu Ping got up and said, "Tonight, the saint will give a banquet in the back garden, I will go back first, and you can discuss it later." ”

Zhao He and Ye Qingchen sent Xu Ping out of the door, returned to their official hall, and then discussed how to deal with it.

That night, I got the good news that I had two sons, and Xu Ping and Li Zhang were drunk and rested. The next day, Ying'er got up and rushed to Luoyang City to take care of Lin Suniang and Xiuxiu. They are sisters who have grown up since childhood, so it is natural to help each other at this time. Now that the child has passed the full moon, Su Niang and Xiuxiu have returned to the capital, Zhao Zhen got the news and asked Xu Ping to take the child into the palace for a banquet.

This is the personal friendship between Xu Ping and Zhao Zhen. In this era, it is an honor to be given a banquet by the emperor, even if it is a minister of Zaifu, he is also proud. Xu Ping didn't feel that way, the child was still young, and he always felt weird to bring it to this kind of occasion.

The sun had already set, and the Ouchi back garden was brightly lit. A cool breeze blows from the pond, carrying the fragrance of the lotus flowers that are in full bloom.

Zhao Zhen didn't blink his eyes, looking at Xu Ping, who was held by Lin Suniang and Ying'er next to him, and sat with Empress Dowager Yang and Empress Cao. The little one was not afraid of life, looking curiously left and right, and giggling from time to time. Panpan, An An and Black Tiger sat honestly, just like little adults, but they were no longer as noisy as they were in the previous two years.

Li Yonghe sat at the top, and Li Zhang took his younger brother to sit with Xu Ping, all sitting upright, waiting for Zhao Zhen to speak.

Seeing that Zhao Zhen only cared about the two children, completely forgetting that there were adults sitting with him, Li Shihe had to cough twice.

Zhao Zhen came back to his senses at this time, smiled awkwardly, and said: "The weather is just right tonight, let's drink together in the back garden, and we want to be refreshed." This is a family banquet, no matter the monarch or the minister, just his own relatives, a drunken party! ”

Li Yonghe and Xu Ping were busy and didn't dare.

Zhao Zhen looked at Xu Ping and said, "You have added two more beauties, it is enviable, have you named them?" ”

Xu Ping bowed slightly: "Back to Your Majesty, not yet, I have to wait until after the trial year to get up, and I only call the eldest brother and the second brother at home." ”

Zhao Zhen let out an "oh" and said, "At that time, I wanted me to watch the ceremony." ”

The trial year is what later generations called "grasping Zhou", and Xu Ping, a large family, attaches great importance to this. After that day, the child was truly become, and it was time to be named. There is no way, it is not easy to raise children in these years.

After a few words of gossip, Zhao Zhen couldn't help it, stretched his neck to Xu Ping, and asked in a low voice: "You and I are the same year, and I will marry a wife two years earlier than you." But now, I only have one daughter, and I died early, but you have two sons and two daughters, which makes people envious. To tell me the truth, is there any secret to this adopted son? ”

After speaking, he looked at Xu Ping with a blank look, his eyes full of expectation.

Xu Ping hesitated for a moment and looked at Lin Suniang and the others on the side. Because it had just passed the full moon, the hair had fallen, and the top of the two little guys' heads was bare. Lin Suniang was afraid that they would catch a cold, so she covered them with her hands from time to time.

Looking at Zhao Zhen, Xu Ping also replied in a low voice: "Your Majesty, there is no secret, but there are some experiences, but it is inconvenient to say." ”

Zhao Zhen's eyes lit up all of a sudden, he leaned forward, grabbed Xu Ping's sleeve, and said, "Our own relatives are talking today, what is inconvenient to say!" Come, come, here we speak for ourselves, so that no one else can listen! ”

After speaking, he pulled Xu Ping to the side, turned his back, and said in a suppressed voice: "This is not only my family matter, but also a major event in the world, if you have any secrets, you must tell me!" Wouldn't it be beautiful when I have a son and you have a son, and when I grow up, I will also be a good family! ”

Xu Ping secretly looked at the woman over there, still a little hesitant: "Your Majesty, if you say this, it is not in line with the ancestral system-"

"The ancestral system comes first, what else can be more important than this!"

Seeing that Zhao Zhen was a little anxious, Xu Ping said: "Your Majesty, the minister asks, do you want to make the Empress Dowager Zhuangyi?" ”

Speaking of his biological mother, Zhao Zhen felt bitter, with tears in the corners of his eyes, nodded to Xu Ping, choked and couldn't speak. When Concubine Li Chen died, Zhao Zhen was already an adult, but he never recognized him, which was a regret in his life.

Xu Ping was also a little sad, and said to Zhao Zhen: "Your Majesty, as the saying goes, children are the blood of their father's sperm and mother, and they can't be cared for by their parents, just like a nestling in the nest and both parents die, how many people have to survive?" In order for children to grow up safely, the most important thing is not to leave their parents, especially their mothers. The first sip of *** that is drunk after birth comes from the biological mother, which is called colostrum and is essential for the survival of the child. Only by drinking this mouthful of breast milk can you get the blood of your biological mother, and it will be easy to survive. ”

Zhao Zhen nodded, silent for a moment, thoughtful.

Now the two of them are discussing a major issue, and they are both distracted. Speaking of which, it involves the contradiction between human ethics and etiquette. According to the etiquette law, all the father's children are the children of the main wife, and they all greet the father and the biological father in the morning and evening, so they cannot live with the biological mother.

The folk rule is that the child is sent to the grandmother after the lactation period, and the grandmother teaches and grows up. At this time, the children still don't remember, and many of them don't know that they have a biological mother until they grow up. Although this point is in line with the etiquette law, it does not conform to human ethics, and it began to change slowly in the Song Dynasty. Whether it is the law of etiquette or the law, the status of the biological mother is becoming more and more important. A well-known example in history is the death of Li Ding's biological mother during the reign of Shenzong, who secretly concealed it and did not dismiss the official obedience, which was attacked by the opposing opposition to the reform faction. Li Ding's reason for distinguishing for himself is that he does not know that it was his biological mother who died, and the concubine of his father, who was not his biological mother, could not be obeyed. Of course, this has the factor of party rivalry between the reformers and the conservatives, but it also shows that the relationship between the concubine and the biological mother at that time was actually quite alienated, and they were all raised by the mother-in-law. According to the law, whether a son is born to his mother-in-law or not, he must be dismissed from the official and serve the mourning period, while the biological mother who is not the main wife only needs to serve for three months.

In the palace, it was even stricter, and as soon as the child was born, he was taken away from his mother, taught by his mother-in-law, and there was a special nursing mother. Zhao Zhen's harem Miao at this time was the daughter of his nursing mother.

According to the memories of his previous life, Xu Ping remembers that breast colostrum can greatly improve the immunity of newborns, which is essential for the healthy growth of children. This is all the more evident that the epidemic prevention and sanitation conditions in this era are so poor. Why is it difficult to feed the children in the palace? The most important point, I'm afraid that it is less on this mouthful.