(Thank you for the 10,000 reward that doesn't work for headaches, congratulations to my brother for having a headache and being promoted to protector, thank you)

The relationship between Yi Feng and Li Liyi, the newlyweds, is now respectful, and on the surface, the husband and wife raise their eyebrows, but Yi Feng knows in his heart that there is a lack of real intimacy between them, or that he is a little less passionate about this marriage. Li Liyi is actually doing a good job, and it can even be said that she is the perfect example of a woman in this era. Virtue and grace, women's virtue and chastity, women's words, women's grace, women's silk and linen, she is perfect in these four things, and even married into the palace for a short time, her ability to manage the affairs inside and outside the family is also well reflected.

The more impeccable she is, the more Yi Feng feels ashamed of him, she treats him 100%, but he doesn't respond equally.

Fortunately, although he had just gotten married, the emperor did not give him time for his honeymoon. The medical program in the army had officially begun, and Yang Jian specially set up a deputy minister for Yi Feng to participate in political affairs, and also gave him an empty courtyard in the Yamen of Shangshu Province in the imperial city as his temporary office for this medical project.

One morning, Yi Feng had participated in the Inner Dynasty in the Liangyi Palace, and just returned to the public house, Wei Shi came.

"Participating in politics, a certain person has no money in his hands, and it is difficult for a clever woman to cook without rice!" Far away, Wei Shi shouted at Yi Feng. At the court meeting just now, the emperor informed the courtiers that Yi Feng would preside over the military medical plan, and the provincial ministries and departments would cooperate. Wei Shi was the newly appointed secretary of the Ministry of Civil Affairs, and the minister in charge of land, taxes, household registration, military quarters, salaries, food and salaries, and financial revenue and expenditure of the whole country. Hubu Shangshu was in charge of the imperial court's finances, and Yi Feng's medical office wanted to purchase all the military medicines and first-aid kits. He had to pay the bills.

Wei Shi is a member of the Wei clan of Jingzhao Duling, that is, the famous handsome Wei Xiaokuan's family. Wei Shikang, the former governor of Jingzhou, was his cousin. Wei Shi is not only a wealthy Wei valve, but also the father of the court, when Yang Jian was Zen, Wei Shi was awarded as a servant of the ministry, and then almost all these years are in an important position, and now the emperor transferred him to the center again, appointed as the Ministry of Civil Affairs, one of the eight.

However, Yi Feng was always a little wary of Wei Shi, the reason was that Wei Shi had been Yang Guang's Jin King Sima. During the Battle of Pingchen, he also served as Marshal Yang Guangda. But now the prince's son, Yang Yan, the king of Changning, has just married Wei Shi's daughter as the princess, and Yi Feng can't understand Wei Shi's position. A person with an unclear position always makes him a little worried, but he also knows that Wei Shi is qualified not to stand in line, but he is worried that Wei Shi has secretly chosen the team.

Now Wei Shi's attitude made Yi Feng a little secretly unhappy, this medical plan is very important to him, this is the time to prove his ability to the emperor, and it is also the time to take the opportunity to establish a good relationship with the ministers of the court. At the same time, he can also use this matter to win a lot of orders for Huaihuang, make a fortune, and by the way, he can also have some relationships with many powerful businessmen.

"Don't want to be fooled by me, you are in charge of the financial power of the DPRK. There are tens of millions of copper coins flowing in my hand every day, and the money needed for this medical plan is not much, so why is there no money? ”

Wei Shiliang crowned purple robe and jade belt. Fangzheng's face has a beautiful beard, and his chubby face always has a smile. He walked to the couch and sat down on his own, and said, "I don't know how expensive firewood and rice are if I don't have a home." Although the Ministry of Civil Affairs is in charge of the money and grain of the imperial court, it needs money everywhere. Especially at the moment, although the war in the north has not yet started, a large amount of money, food and material resources are continuously transported to the front line every day, and the imperial court has mobilized 500,000 troops, which is a real 500,000 army, not including the people. More than 100,000 cavalry alone have been mobilized, and it can be said that more than half of the cavalry has been transferred to the battlefield. A horse chews more than five soldiers, and the cost of supplying one cavalry is equivalent to five infantry, and the cost of one person and one horse for this cavalry is equivalent to ten infantry, 100,000 cavalry, how much food do you say it costs? ”

Yi Feng interrupted Wei Shi impatiently: "The medical plan doesn't cost much, this matter is approved by His Majesty, in fact, this plan is also to help the Ministry of the People." If there are fewer dead and disabled soldiers on the battlefield, the Ministry of Civil Affairs will pay a lot less pension after the war. Dasi Nong calculated, whether the soup was more expensive or the pension was more expensive. And in the long run, if a soldier dies and is disabled, not only will he get a pension, but he will no longer be able to produce food and silk for the court in the future, nor can he pay taxes to the court, and even from another direction, if there is one less young soldier, the court will have to train another one, so won't it cost more money and food? Besides, since Dasi Nong can even solve the grain, grass, equipment, and military salaries of the 500,000 army, it won't even be able to solve it with a little money from me, right? ”

After a few words, Wei Shi was blocked there. However, Wei Shi is also an old ginger, and said at the moment: "The money and grain equipment that the imperial court pulled out to the front line have been prepared since last year, and some have even been prepared since the year before last. King Zhao, your medical plan is an additional plan, and for a while, I have nowhere to squeeze out this money. ”

"Da Si Nong said that it was funny, even if there was no such plan, could it be that the imperial court would not prepare medicine when it used soldiers?"

"It's difficult, they all ask me for money, but I can't turn stones into gold, but you, King Zhao, are said to be able to turn stones into gold. I'm still thinking, come to King Zhao, you will fight some famine. ”

Yi Feng chuckled: "What plan does Gong Wei have?" ”

Wei Shi smiled, "Daxing Bank in Jingshi, I heard that it is an industry under the name of King Zhao, this bank is engaged in deposit and loan business, right?" ”

As soon as he said this, Yi Feng had almost guessed a little bit of his intention, but he was still a little unsure, and asked at the moment: "What does Wei Gong mean?" ”

"To borrow money is to take out a loan." Wei Shi said what he meant very happily now.

Yi Feng didn't expect it to be as he thought, and he was very surprised at the moment, the civil department of Shangshu, who was in charge of money in the imperial court, actually came to him for a loan, which was really surprising. However, his mind quickly turned, but he felt that although this matter was surprising, it was not impossible to talk about. Since he opened a bank, the loan business is very legitimate.

"I have some shares in Daxing Bank." Yi Feng nodded, "I wonder if Dasinong really wants to talk to Daxing Bank about the loan business, do you have any specific plans?" ”

"I'm going to borrow 1 million yuan from Daxing Bank!" Wei Shi said very proudly. A million digital exports. Wei Shi looked at Yi Feng, waiting for his reaction. But to his surprise. When Yi Feng heard such a large number, his expression did not move. With a smile still on his face, he said something that surprised him, "A million, it's not impossible." How long does Dasi Nong plan to borrow? ”

Wei Shi swallowed his saliva, he didn't expect this King Zhao to be so confident, he just took over the Ministry of Civil Affairs, and he is very clear about the current family background of the Ministry of Civil Affairs, last year he just fought a battle of 300,000 people to conquer the east, and only a few thousand people from 300,000 people came back. This year, there will be a full-scale war of 500,000 people, and the imperial court has suffered two consecutive disasters in the 14th and 15th years of the emperor's reign. The emperor no matter how difficult the Ministry of Civil Affairs is, the emperor's will is certain, and no one can shake it. And the current situation really has to fight this battle. His predecessor was dissatisfied with the emperor because of his work. Eventually masturbated. Wei Shixin took office, although he finally barely survived with his own means, but now he has a new medical plan. It was a lot of money to spend, and it was an unplanned new expense, which really annoyed him. He came to complain to Yi Feng that he had no money. It's a fact. It's a joke to take out a loan with Yifeng. Since the opening of Daxing Bank in Beijing. He knew that the business was very hot, and even he knew that the emperor was built last year because of Yi Feng. The decree forbade local governments from lending money with public money. It is said that originally King Zhao built a bank under the auspices of the imperial court, but the emperor did not agree.

Wei Shi really didn't expect that he would ask to borrow one million, but King Zhao didn't refuse.

He quickly thought in his heart, the recent affairs of the Ministry of Civil Affairs are really difficult to do, everywhere to spend money, he is anxious, he was already ready to play to the emperor, proposed to let the court borrow money from the rich people in the world, this is also a common means since the previous dynasties, when the war is encountered, the finances are tight, so he borrows money from the rich people in the world.

"Can Daxing Bank really lend me a million yuan?"

"It's not lent to Duke Wei, it's lent to the imperial court, specifically to the people's department of the imperial court, this has to be made clear. In addition, even if it is a loan from the imperial court, it must be in accordance with the rules of the bank, the loan date must be specified, the interest rate must be fixed, and there must be a mortgage. Yi Feng said seriously. In fact, the imperial court is indeed a good loan object, what the imperial court needs is working capital, and they themselves are not short of money, in short, the money is lent to them, as long as they are not afraid of defaulting on the debt, then this is a basically risk-free and profitable transaction.

Although Daxing Bank has not been in operation for a long time, it has many shareholders and is very strong, especially with the support of the northern head office in the middle of the famine, and the millions of dollars are really not much. Previously, Yi Feng took out some dry shares and gave them to Wang Hai, Yang Su, Yang Guang and others, but they soon found that Daxing Bank had considerable profits and gains, so they immediately actively invested money in it. Initially, the bank's share capital was only 1 million, but now it has reached 5 million. This is only the principal, and Daxing Bank has already seized the market opportunity, and there are many wealthy relatives and nobles with the cooperation, and now the business is expanding fiercely, attracting a large amount of savings, so for Yi Feng, even if the Ministry of Civil Affairs wants to borrow a million large business, it is really not a problem, and there is no need to review these troublesome procedures, and you can lend money at any time.

Wei Shi asked, "Can I borrow more?" ”

"Yes."

"I'm going to borrow two million, no, three million, well, five million!" Wei Shi's excited words were a little inexplicable, if he could really get five million in cash, it would be much easier for the Ministry of Civil Affairs. ”

Yi Feng saw Master Wei's eyes glaring at him, and chuckled: "Five million, no problem, as long as the repayment is made within three years, it can be calculated at six percent of the annual interest." ”

"The annual interest rate is six percent, five million is 300,000 yuan a year, and 900,000 yuan in three years, right."

Yi Feng nodded, "That's right, the three-year interest of 5 million is 900,000, without compound interest, and the interest is not rolled." And there is no need to review, and the loan can be disbursed at any time. ”

"Borrow today, can you get the money today?" Wei Shi asked.

"You can get 20% on the same day, which is 1 million guan, and the remaining month will be paid in four installments, each time 1 million guan. Of course, five million cannot be paid in all copper coins, half of the silk and three cents of gold, two cents of silver, and one cent of copper. "Yi Feng said very professionally, in this era, there is too much shortage of copper coins, and the imperial court only mints more than 300,000 new copper coins a year, and if you want the bank to come up with 5 million copper coins at once, Yi Feng really can't do it.

This request is reasonable. Wei Shi nodded, what he needed was money. But you don't have to ask for copper coins. Although gold and silver are not in circulation, they can be traded as bulk goods. In addition, it was the monetary policy of the imperial court, and he was very satisfied with the payment method proposed by Yi Feng. He also knows that in Daxing Bank, the interest rate of small loans can reach up to one cent per month, and the annual interest rate is 12 percent, and the interest rate of large loans also reaches 9 percent per year, and now Yifeng gives him an annual interest rate of 6 percent. It was even a point lower than the lowest seven-year interest rate of the Northern Bank of Huaihuang, how could he not be happy.

It's just that he has some suspicions, businessmen are profit-oriented, no businessmen are not traitors, at this time they should slaughter the court and raise the interest, why did they reduce it so much.

Yi Feng only shook his head at this nostalgia for him, he got up and personally poured a cup of tea for Wei Shi and himself, and then explained: "It is true that it is the nature of a businessman to chase profits. But businessmen are not all treacherous, there are also loyal and patriotic. I founded Daxing Bank, and for me, the essence of creating a bank is to provide convenience to the people. Helping people in need to survive in times of crisis is not purely profit-seeking, although it is also pursuing a certain profit. The first goal of the bank is to serve the general public and solve economic difficulties. Instead of exploiting the people and sucking their blood. For the imperial court. We don't discriminate. As for the reduction of interest, it was because the imperial court took the money to defend against the Turks, which was also something that benefited the bank. Moreover, the bank has a credit rating assessment for customers, the higher the credit rating of customers, the better the service, and even lower the interest, because such a high credit customer, represents a low risk, and those low credit customers, we have to face a higher risk of collection, so it is necessary to raise the interest rate appropriately. ”

"Can I borrow more?"

Yi Feng pushed the brewed hot tea in front of Master Wei and reminded him: "The more the loan, the better, no matter how low the interest is, he will also be interest, five million yuan a year is 300,000 yuan of interest." Loans are only for a temporary need, not the best solution. ”

This sentence finally calmed down Wei Shi's head, Yi Feng was right, the Ministry of Civil Affairs is indeed a little anxious now, but it is easy to borrow from the bank, but after all, you still have to pay interest. Now I can spend my money freely, but when I look back, I have to bear a sum of interest.

"Then five million yuan, although you have to pay 900,000 yuan in interest for three years, there are too many places for the court to use money. To tell you the truth, if I didn't have this bank loan today, tomorrow I would be ready to play to His Majesty and ask for a loan from the rich people in the world. Wei Shi sighed, "When will I get the money?" ”

Yi Feng thought for a while, "I see that Wei Gong first asked His Majesty for advice, if His Majesty agrees, then I will arrange for the bank to sign a contract with Wei Gong, and I can get one million within three days after the official signing." Of course, it is silk worth 500,000 guan, and 300,000 kan of gold, 200,000 kan of silver, and 100,000 kan of copper coins. ”

"Not bad." Wei Shi nodded.

"By the way, there is also an additional condition, that is, this money must be earmarked, and it can only be used for this northern war, and cannot be diverted for other purposes. In addition, the Ministry of Civil Affairs also has to come up with mortgages, such as several mines or something, in case the loan date arrives and the court can't come up with the money, then the mortgaged mines will be owned by the bank. ”

Wei Shi has no objection to the two additional conditions proposed by Yi Feng, the latter one, and general loans must also be mortgaged, and now Yi Feng asks the imperial court to use the mine as collateral, he thinks it is still very fair. However, he is a little dissatisfied with the special fund. It's normal for me to borrow money from you, and you want to mortgage it, but if I borrow money, you have to care how I use it, so you shouldn't be.

Seeing him frowning, Yi Feng immediately said, "Gong Wei, the reason why the bank lends money to the Ministry of Civil Affairs at such a low interest rate is also because of this war. If we can't dedicate the money, our interest rate can't be so low. Of course, the imperial court can also ignore our request, but the interest will have to be discussed again. ”

Wei Shi was said by Yi Feng to have no temper, he wanted to talk about it in his heart, anyway, it was the public's money. But after thinking about it, there is no need for him to be so reckless when he is old, not to mention, he borrowed money because the money used in this war is too large, and there is no problem with the money he borrowed, and there is no problem with the special funds, and finally nodded, "This matter has to be decided by His Majesty, and I will go back to write the recital." ”

Wei Shi got up, walked a few steps, and suddenly turned back, "King Zhao, I don't know something, since the bank can take out a loan, why don't you borrow the money from the bank directly for King Zhao's medical plan, why do you still have to reach out to the old man, isn't it too much?" ”

Yi Feng shook his head, how could this be an extra move. Public is public, private is private, Yi Feng is willing to let the bank lend another amount of money to the Ministry of Civil Affairs, and then apply for withdrawal from the Ministry of Civil Affairs, it is better than borrowing directly from the bank, these are two different things, and it is easy to have problems if you get confused.

"The old man understood, the old man first went to write a chapter to ask His Majesty for instructions, and King Zhao also asked the bank to prepare, if His Majesty agreed, I hope to sign and get the money immediately."

"No problem!" (To be continued......)