"What! Two thousand five hundred taels! Xu Kun roared.

Xu Yuanzuo looked at Xu Kun innocently: "Our garden management bank recently collected a sum of money, after all, it is better to save it in our own account." Fertilizer and water don't flow into outsiders' fields. ”

So how do these non-bank banking businesses make silver make silver?

The answer is simple: lending.

Throughout the financial industry chain, wealthy households amassed large amounts of money and lent it to small businesses and landlords. Small merchants and small landowners use the money to put into production, and then repay the loan with the product or profit.

This was hard to imagine before Jiajing, when people mainly relied on neighbors, relatives to help, or set up a "meeting" to help each other. It was not until the middle of Jiajing that silver poured in, which suddenly revitalized the market economy of the Ming Dynasty, thus making various business models promote rapidly.

It can be said that none of the large households in the Susong area do not lend. And there is hardly a single small landlord or small business that does not borrow.

Even Xu Yuanzuo's family has only bid farewell to the situation of loan operation in the past two years, which can be regarded as Xu He's successful business, which has made the family feel more secure, but the living situation has not improved.

According to the provisions of the "Daming Law", the interest on private lending is not allowed to exceed three-tenths, and at the same time, regardless of the year, only one interest can be taken on a book, and the interest cannot be included in the principal and then withdrawn from interest, that is, compound interest is prohibited.

However, it is human nature to seek profits, even if the imperial court law does not allow it, there are still rich families who avoid it by means such as deducting interest first. In order to prohibit this kind of compound interest exploitation, the imperial court also stipulated that "regardless of the year, the interest shall not exceed half of the principal". This kind of behavior of retreating from the bottom line is tantamount to a disguised admission that the interest rate can reach 50 percent.

Since the founding of the Ming Dynasty, the imperial power has not gone to the countryside, not to mention that the yeoman farmers do not know the laws and regulations of the imperial court, and even the small landlords have not heard of these protection policies, and they are still exploited by the wealthy and large families. In the last years of Jiajing, Suzhou even had an ultra-high interest rate of two stones of principal, and the monthly interest rate was one stone.

Therefore, the profits of the various firms in the middle of the deposit at 3 percent interest and then the transfer of 30 percent of the usury were relented.

As far as Xujia Cloth Bank is concerned, most of the borrowers are weavers who have been in contact for many years, borrowing money to buy means of production, using products as collateral, and the risk of bad debts is very small. Therefore, the interest rate given by the cloth bank is not ridiculously high, and the threshold for accepting deposits is more stringent than that of others, and the interest is also less.

Now Xu Kun is generous and gives the eldest brother seven points of interest, but he didn't expect the principal amount to be as high as 2,500 taels!

How much less money does he have to make!

Less money equals loss!

Xu Kun only felt that his heart was dripping with blood, and his face was flushed, but he could only say hatefully: "Where did you get so much silver?" ”

Xu Fan didn't look over his head and snickered, Xu Yuanzuo explained the business model of the garden management bank to Xu Kun seriously, and said: "If the second master has a reliable person in the future, he can also recommend it." However, the threshold is really low, and it has to be five hundred taels of silver. ”

Xu Kun almost spurted out a mouthful of old blood, you still want me to help you do business!

Xu Fan said slowly: "Yuan Zuo has a point. I've heard that the first customers who saved money were found by the cloth shop, which is a good thing. In the future, we will communicate more and earn money together, this is what you just said, second brother, 'fighting tigers and brothers'. ”

Xu Kun's eyes were dark and unconscious.

……

Xu Kun didn't even know how he said goodbye to Xu Fan and how he returned home. When he came to his senses, he began to be hysterical, scolding, blushing and thick-necked.

Xu Sheng is at this juncture, where does he dare to go in and beg for scolding? Just leaning at the door, thinking about how to solve Xu Yuanzuo's problem. Judging from the second master's reaction, I'm afraid that just driving Xu Yuanzuo out may not be able to calm the second master's anger.

"Xu Sheng, come, I have something to ask you." Xu Kun finally finished venting, walked to the Taishi chair and sat down, and calmed his breathing.

Xu Sheng hurriedly went in, nodded his head, and called the second master.

"Xu Sheng," Xu Kun took out a satin towel to wipe the sweat from his forehead, "Who built Xia Wei's garden?" ”

"Of course it's you, the second master." Xu Sheng hurriedly followed the tone and said: "That's a filial piety of the second master, it's true!" ”

Xu Kun exhaled a breath of turbidity and asked again, "Who invited the garden to paint?" ”

"Shanghai Zhang Nanyang, a famous master." Xu Sheng said.

Xu Kun nodded: "Who paid you?" ”

"Of course, it's also you, the second master!"

"The trees and flowers in the garden, the ponds, the strange stones, the houses, the furniture, brick by brick...... Whose money is this? ”

"Of course, it's all you, the second master." The more Xu Sheng answered, the more frightened he became.

Xu Kun slapped the armrest heavily, and almost jumped up: "It's all my silver!" My silver! Why do they take it to make money! Why! ”

Xu Sheng didn't dare to face it directly, and lowered his head and took a step back.

"They took my garden, used my cloth connections, and after earning the silver, they deposited it in my cloth cabinet to eat...... "Xu Kun became more and more angry, and slapped the handrail heavily: "This is to use my chicken coop to raise my chickens, pick up my eggs, and let me hatch the chicks and return them to him!" ”

Xu Kun scolded and scolded, and suddenly cried: "How can you bully people like this!" ”

Xu Sheng's whole face wrinkled, and he could only persuade with a gentle face: "Second master, this matter is not over yet!" It is up to us to do good deeds and help them. The coming day is long ......"

"You! Don't you have a lot of ideas! Hurry up and think of one out, I want Xu Yuanzuo to get out of the ditch and die in the ditch! wants Xu Cheng to be discredited and expelled from the Xu family! If Xu Fan sees me, I can't raise my head again! Xu Kun wiped the tears and snot on his face, and said hatefully.

Xu Sheng lowered his head and pondered, and almost put his finger in his mouth and bit it. He knew that Xu Yuanzuo had those invitations in his hand, and once he threw them, it was enough for him to really fall on his heels. I want Xu Yuanzuo to be a single, but he is a person who drags his family and has a family business!

As the so-called taboo of wearing shoes is barefoot, Xu Sheng is not willing to fight with Xu Yuanzuo at this time. There is no benefit in winning, and if you are not careful, you will get into a fishy mess.

As for Xu Cheng, he didn't have to think about it. People have been serving since the lord entered Beijing to take the exam, and he never gave up when the lord belittled Fujian, and followed the funeral of the master and the wife. It doesn't matter if this kind of person arranges a place for him to retire, if he wants to be driven out, is it really the old man who is dead?

"That's right! Let's get this garden back! It's not a difficult deal, we'll do it ourselves! Xu Kun thought of it himself first, and said loudly.

Xu Sheng's face was embarrassed, and he said, "My grandfather, when he settled Xu Cheng, he said that he would be in charge of the old mansion there." If I want it now, I'm afraid that he will make trouble with the master, saying that we are squeezing him so much that he doesn't even have a foothold. ”

Xu Kun thought about it carefully, and this is indeed the truth. At the beginning, letting Xu Cheng take care of the house was already equivalent to providing for the elderly, if he got it back, how should Xu Cheng be placed?

"Then let them pay it back!" Xu Kun's face rose with a murderous aura: "Give me back all the money from the garden!" ”

Xu Sheng's face was even more bitter, and he dodged half a step before he said: "Master, although the money in the garden is all ......from you," he paused, and seeing that Xu Kun didn't have any special reaction, he continued: "But there is no evidence for this, what if they don't recognize it?" ”

Xu Kun's face darkened: "Why are you so stupid today!" If they refuse to admit it, they will fight until they think so! ”

"The second master is right......" Xu Sheng secretly screamed that it was not good, his image was greatly affected!

"Go and ask for the debt!" Xu Kun said: "And Xu Yuanzuo!" Can't let that kid get any better! ”

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