Xu Ping went to the yamen of Jingshi Bank, and Liu Xin and Zhang Weiji came out early. Pen & Fun & Pavilion www.biquge.info entered the living room, and Zhang Weiji arched his hand: "The provincial lord is seated, and use tea first." After speaking, he ordered the official to bring good tea.

After drinking tea, Xu Ping looked at Liu Xin and asked Zhang Weiji: "Cabinet Chief, please come down, I don't know what is going on?" ”

Zhang Weiji said a little embarrassedly: "Originally, I was going to visit the provincial lord in the third division, but there are many rules in the third division, and we don't have the provincial lord to summon us, so it's not good to come to the door rashly." I had to ask the provincial lord to come here, don't be lazy. ”

The three divisions involve money, and there are a large number of positions with oil and water, and the imperial court has ordered that officials are not allowed to go there casually, and they must have the consent of the Chinese secretary. And Zhang Weiji is the identity of an internal servant, and it is inconvenient to see Xu Ping in private. Although it is said that the magnates mentioned when the ministers are forbidden to make friends with the powerful generally refer to the ruling officer, the position of Xu Ping's third envoy is also touched, and he will be impeached by the Taiwan admonition if he is not careful. Zhang Weiji wanted to discuss the matter of Jingshi Bank with Xu Ping, so he had to ask Liu Xin to come forward and invite Xu Ping to the yamen, which was a little disrespectful.

After drinking tea, Xu Ping said to Zhang Weiji: "The cabinet chief has something to say, we are not outsiders. ”

Zhang Weiji arched his hand: "The provincial lord is refreshing, and he doesn't go around the bend in the future." The reason for inviting the provincial lord this time is because Jingshi Bank lent too much money some time ago and caused chaos. The official family has something to say, and recently it is necessary to recover the loans that were not released in the past few months as soon as possible, and if they can't do it, the people in the Jingshi Bank will not have good results. The provincial lord is kind-hearted, it is best to speak, who in the capital does not know? The bank was proposed by the provincial lord again, and he was the most familiar with the affairs, so he had no choice but to ask for advice. ”

It was the first time he heard others praise himself as a good person, Xu Ping felt a little funny, and said to Zhang Weiji: "The cabinet chief can only be careful if he explains things clearly." I just said that I wanted to collect a loan, but I couldn't make up my mind. ”

"Yes, no, I didn't make it clear. In the past few months, many of the loans issued by the Beijing Division Bank have entered some unknown companies, and now everyone feels that this is not a small risk. ”

Xu Ping asked casually: "Since it is not clear, how did this company start?" And how do you lend money? ”

"The opening of the company is managed by the Kaifeng government, and when their company is opened, the Jingshi Bank will release the money. I have inquired, it is very easy to open a company in Kaifeng City, as long as the official in charge is taken care of, it can be opened. ”

Listening to Zhang Weiji's words, Xu Ping shook his head with a smile and didn't answer for a while. A few days ago, I proposed to set up a special yamen to manage the affairs of industry and commerce, but the result was that it was redundant, and now that something has happened, I don't know what those people will say. There is a special yamen who can at least be responsible for it, and now it's okay, I don't know which link went wrong.

Seeing that Xu Ping was silent, Zhang Weiji said again: "Now that the matter is urgent, I don't hide it from the provincial lord, and the loans released are roughly divided into two types." One is to go to the people, and I have asked someone to investigate clearly, it is a person named Feng Yuanji who is in charge of the Kaifeng Mansion Embassy. These should be easy to collect, but I don't know how to start, can the provincial lord teach me? ”

Xu Ping looked at Liu Xin, saw that he nodded to himself, and knew that the two had discussed it in private, so he said to Zhang Weiji: "This matter is not difficult, but if you want to cut through the mess quickly, you need some means." As the saying goes, if you want to solve it as soon as possible, it's best to find a way to arrest this Feng Shiyuan first. A small official, it is not difficult for him to speak. As long as he recruits, he can use extraordinary means to recover the money released as quickly as possible. There are good and bad things about this approach. ”

Zhang Weiji said: "Although Feng Shiyuan is a small official, he has a wide range of contacts, and many important ministers in the court have dealings with him. Provincial Lord, I don't know what the advantages are and what are the disadvantages of what you said? ”

"The benefit is simple, as soon as he arrests him, the person in charge, as long as he admits that he is illegally defrauding the loan, then Jingshi Bank does not care about the term of the original loan, and directly collects the money. And you can also let Kaifeng Mansion help collect money, saving a lot of effort. In this way, many people will inevitably run away and repay their debts, and the risk will be much greater. If Feng Shiyuan is not moved first, and the loan is only tightened, Feng Shiyuan may actively take back the money he put out in order to keep himself safe. He can do things to cheat loans and lend money, and his ability to collect money will not be bad if he thinks about it, maybe he can do more than the government. ”

Zhang Weiji thought for a while and nodded: "What the provincial lord said is that this matter will be considered again." I don't know what you just said that you were afraid that someone would default on the debt, how to repay the debt? It's all about lending to companies, so why aren't other banks afraid of this? ”

"Afraid, why not afraid? Therefore, other banks will carefully check the accounts of the company that lends money, for fear of a little fraud. And once a reliable company is identified, the business is excellent, and there is no problem in repaying the loan, and they will come to the door to ask people for loans. The newly established company, on the other hand, is cautious, looking and looking before daring to lend out the money. Jingshi Bank has not done a good job at this point, and for several months, it has not figured out which ones are easy to repay and which ones need to be cautious. ”

Zhang Weiji nodded: "The provincial lord said so, and I will understand it below." But this is what will be done in the future, and now the water is far away from quenching the thirst, so I still want to recover the money that was released first. Provincial lord, how will they repay their debts? What can Feng Shiyuan do? What's the use of keeping him first? ”

"It's easy to rely on the accounts, as long as the company's accounts are not strictly checked at the beginning, it may just open a fictitious company, only the accounts have money to walk around, and there is actually no hired people, and there is no goods to produce or buy and sell. As long as the person who opened the company burns the accounts and leaves the country with the money, where do you find it? If this Feng Shiyuan can do this kind of thing, he must be the head snake of Kaifeng Mansion, and he found someone to do this, so he first prevented this. So as long as he is forced to repay the money from the Jingshi Bank willingly, there must be a way to force the money out and pay back the hole in the bank. ”

Zhang Weiji nodded: "I understand, the bell still needs to be tied to the bell, Feng Shiyuan can release the money, and he has the ability to take the money back, and the provincial lord should mean this." However, I am afraid that it will take some time to do so. ”

"That's natural, such a large amount, even if you let the three divisions raise it, it can't be raised in a hurry."

Zhang Weiji thought for a while, and then asked: "Time waits for no one, if we are in a hurry to use money and don't want to take risks, what should we do?" ”

Xu Ping smiled, picked up the tea, and said slowly: "The easiest way, borrow it!" ”

"Borrow? Where to borrow? Who in the world can come up with so much money at once? ”

"Where else could there be? Saikyo Bank! Originally, the money supervisor could also borrow it, but now that the Jingshi Bank is like this, I'm afraid that the money supervisor won't lend it to you. Saikyo Bank is a peer, as long as they pay interest, they will borrow. ”

Zhang Weiji was a little confused for a while, and said after a while: "Can the bank also borrow money from Shixing?" How is interest calculated? ”

"Of course he can borrow it, as long as he can pay the interest, no matter who the bank dares to lend to him. You are peers, and whether the interest rate is high or low, it is natural to discuss it yourself. If Xijing Bank has spare money and can't let it go, the interest rate can naturally be lower. ”

It is normal for banks to lend money to make profits, so it is impossible to prepare a large amount of capital reserves, and it is not surprising to borrow from peers in case of emergency. The Xijing Bank was opened by the Sansi Yamen, and if it was opened by a private person, the enemy country would borrow it.