"Also, how can you not pay it back?" Liu Xin said seriously, "Not only do you have to pay it back, but you have to pay it back with interest!" ”

Seeing that he didn't seem to be joking, Ma Yun couldn't help but be surprised: "Husband, it seems that you don't want to use this money yourself, is the treasury tight?" ”

In the past, Ma Yun was very clear about the situation of the treasury. As the war in various places basically subsided, Liu Xin's territory became bigger and bigger, but she gradually shifted her focus to the family's business and the education of her two sons, so she didn't know much about the current situation in the treasury.

Liu Xin couldn't help but smile when she saw Ma Yun's words: "Wife, you are so smart, you can guess it." There are too many places to spend money now, and it is necessary to ensure that the people in various places can survive the winter in safety, and the reconstruction of various places cannot be relaxed, and the reorganization of the army is also imminent, and it is necessary to give everyone some year-end bonuses. ”

Although Ma Yun doesn't bother to ask about the affairs of the court, but the family still runs some businesses, and Dahan Qianzhuang is the economic lifeline of Jing, Yi, Si and Liang, so she naturally knows that the sales of Xiang paper and white porcelain have not been very smooth recently. For the reasons, Ma Yun also made an analysis. She believes that these things are not easy to sell, not because there is no demand, but because the world is too chaotic and people dare not spend money on these "luxuries". The income from Xiang paper and white porcelain is the two pillars of Liu Xin's economic development, even exceeding taxes. The poor sales of these two things can be imagined as the impact on the treasury.

Without Liu Xin's detailed explanation, Ma Yun can also understand Liu Xin's predicament. To tell the truth, the annual income of the business run by Ma Yun and her women far exceeds that of Liu Xin's income, but if you want to support the military and political operations of these four states, it is still too far away. Since Liu Xin wants to borrow money and is willing to pay interest, it must be a loan from Dahan Qianzhuang, how can Ma Yun not understand?

Ma Yun also put away her smile, sat down and thought about it for a while, and said: "It's okay to borrow, but the scale of the loan can't be large, and it must be kept strictly confidential, otherwise it will cause inflation and even cause a run, and it will be out of control." Say, how much do you want to borrow? ”

Liu Xin really didn't think about how much money he had to borrow to be enough, but now that he thinks about it, just hundreds of thousands of troops, if each person sends three or five hundred yuan, it will cost two or three hundred million. If you add the officials and officials, it will cost at least one billion dollars to distribute the gifts. In addition, many people in Si, Liang Erzhou and the three counties in Jiangnan are destitute and need to be provided with food and cotton clothes by various counties to let them survive the winter. The two refugee camps also need to be set up immediately to store enough supplies, because the people of Xuzhou could escape at any time.

It's not that he doesn't know, but he was shocked, Liu Xin made a rough estimate, and blurted out: "Let's borrow four billion first." ”

When Liu Xin was silently calculating there, Ma Yun was not idle, she had already secretly weighed the family background of Dahan Qianzhuang, and then shook her head resolutely and said, "No! I will lend you up to two billion, for a period of two years, one cent, no bargaining. ”

Dahan Qian Zhuang is mainly engaged in two businesses, one is to store and exchange gold and silver, and the other is to mint Zhongping Tongbao. Zhongping Tongbao was commissioned by Liu Xin to mint, Dahan Qian Zhuang could not decide the amount of copper coins minted on its own, it only obtained a certain "processing fee", and the real profitable business still came from the storage and exchange of gold and silver.

The customer will store the gold and silver in the bank, not only there is no interest, but also a certain fineness will be deducted, in the process, the bank will also earn a certain profit, but this profit is very limited, only enough to maintain the normal operation of the bank. But there is one point, the voucher for the storage and exchange of gold and silver by the customer, that is, the silver ticket, is issued by Dahan Qian Zhuang itself. For example, when there are 100 taels of silver in the treasury of the Dahan Bank, it can issue 120 taels of silver tickets, and as long as the 120 taels of silver tickets are not used for exchange at the same time, there will be no problem. In other words, as long as Dahan Qianzhuang has enough credibility, it can issue a large number of silver tickets without restrictions. Of course, there is also a great risk in doing so, as long as there is a run, Dahan Qian Zhuang will immediately go out of business.

After more than two years of steady development, the reputation of Dahan Qianzhuang is quite good, and the officials' salaries and soldiers' monthly salaries are now distributed through Dahan Qianzhuang, and they get a large number of silver tickets in addition to copper coins. The silver ticket is very convenient to carry and use, without worrying about the condition of the problem, and can be redeemed at any time. Silver may be adulterated, but no one has yet forged a silver ticket. Therefore, the silver ticket has gradually been accepted by everyone, and the richer the person, the more they like to use the silver ticket, and it has vaguely assumed the function of part of the currency.

Therefore, with such a foundation, don't let Ma Yun come up with four billion, even if she takes out four billion, she can do it. But Dahan Qianzhuang is still a new thing after all, and it needs to be cared for to grow slowly, and Ma Yun will take this risk if he doesn't go.

At the beginning of the establishment of Dahan Qianzhuang, it can be said that it was half public and half private, and Liu Xin did several major things by increasing the issuance of silver tickets. At most, the silver tickets issued by Dahan Qian Zhuang have exceeded forty percent of the gold and silver in stock, although these money have been made up one after another, but it still sounded the alarm for Ma Yun. This prompted Ma Yun to make up her mind to take back control of Dahan Qianzhuang, let Dahan Qianzhuang become the private property of the Liu family, and no longer let Liu Xin interfere in the affairs of Qianzhuang. In this way, not only can risks be prevented, but also whether Liu Xin succeeds or fails, it can ensure that the Liu family can continue to control a powerful force and a huge wealth.

The economic development momentum of Jing and Yi Prefecture is rapid, and the tax revenue is also increasing year by year, but it is still unable to meet the expenses that are growing faster, and Liu Xin resolutely disagrees with increasing the burden on the people. In the past, the hot sales of Xiang paper and white porcelain and the inexhaustible wealth of Dahan Qian Zhuang were Liu Xin's two "cash machines". Now, the control of Dahan Qianzhuang has been taken away by Ma Yun, and the sales of Xiang paper and white porcelain are not very smooth, Liu Xin naturally feels a little difficult.

It is not up to Liu Xin to decide whether or not the sales of paper and white porcelain will be smooth, unless he drastically reduces the prices of these two items, so that they no longer become luxury goods and more ordinary people can afford them. Although it is a matter of time before the price drops, once the price drops, it is not so easy to go up again. Liu Xin knows that as long as the world is peaceful, there are people who spend a lot of money, so Liu Xin has never planned to reduce the price, but in this way, it will be a little far away and can't quench the thirst.

However, although Liu Xin no longer interferes in the affairs of Dahan Bank, he is familiar with the operation mode of Dahan Bank, so he is full of confidence in borrowing money from Dahan Bank. Unexpectedly, Ma Yun only promised to lend him two billion money, Liu Xin was stunned, so he had to continue to plead: "Wife, this money is really not enough, at least three billion." ”

Ma Yun thought for a while and said, "Add another 400 million at most, otherwise don't talk about it!" ”

According to the calculation that one tael of silver is equivalent to one thousand yuan, 2.4 billion is equivalent to 2.4 million taels of silver, which is also a huge amount of money, if it were not for the good development momentum of Dahan Qianzhuang in recent years, Ma Yun really didn't dare to come up with so much money at once. The gold, silver, and copper coins in Dahan Qianzhuang's current inventory are equivalent to more than 20 million taels of silver, but strictly speaking, these coins do not belong to Dahan Qianzhuang, but are only temporarily stored here by others, and only 560,000 taels really belong to Dahan Qianzhuang, and when Dahan Qianzhuang was established, Liu Xin and Ma Yun's investment was far more than this amount. It's not that Dahan Qianzhuang hasn't made much money or even lost money in recent years, but because Dahan Qianzhuang has expanded too much, branch villages have been opened in various counties and counties, and just buying real estate and building coffers in various places is a lot of expenditure.

For Liu Xin, 2.4 billion always felt that it was still not enough, so the husband and wife bargained again, and finally finalized the loan amount at 2.6 billion.

"Husband, if you don't have enough money, you should pay attention to open sources and reduce expenditure, and do what you can, now the source has not been opened, but the expenditure has increased significantly, which is not a good sign." Although with the inventory of 20 million taels of silver in Dahan Qianzhuang, it is not difficult to issue an additional 2.6 million taels of silver tickets, the reason why it is so calculating is because Ma Yun did not plan to let Liu Xin really repay the money in the future, however, Ma Yun still reminded Liu Xin, and then continued, "I can lend you money, but there is one condition." ”

With this money, Liu Xin is much more relaxed, you must know that in Liu Hong's era, the imperial court's annual income was only about six billion yuan, which was almost half of the national fiscal revenue, and he naturally agreed to Ma Yun's conditions, and said in a loud voice: "No problem, you say, you say." ”

Ma Yunmoth frowned slightly and said, "I want you to let Wang Yun go." ”

Liu Xin was stunned for a moment and said with a smile: "Diao Chan is Wang Yun's righteous daughter, it is natural for her to intercede for Wang Yun, how can you remember to speak for him." ”

Ma Yun said angrily: "I'll be serious with you." Your current identity is a member of the Han family, and no matter what Wang Yun does, it is to maintain the orthodoxy of the Han family, so you can't kill him. ”

A wicked smile appeared on the corner of Liu Xin's mouth and said, "I didn't plan to kill him, but now I'm a little embarrassed." ”

Ma Yun was surprised: "Why? ”

Liu Xin shook his head and said: "Didn't you hear what Minchan said just now, as long as I let Wang Yun go, I can let her do anything, so ah, I'm a little embarrassed, if I let Wang Yun go, others will think that I covet her beauty, which will be a big problem for my reputation." ”

Ma Yun said angrily: "Okay, it turns out that I was worried in vain, you were ready to agree to Minchan a long time ago, right?" He also said that he never messed with flowers and grass outside, hum, who believes your nonsense! ”

Liu Xin laughed and said, "Okay, wife, I'll tease you." Wang Yun is more useful alive than dead, where am I willing to kill him. Not only do you not kill, but you also have to take care of it, so that the world can see how broad-minded I Liu Xin has and how I repay my grievances with virtue! ”