Chapter 0175 - Casual Loan
Simon Dashao hurriedly came out with the scolding text he had written, and walked along the street in a huff. After walking for a while, he suddenly felt that the things in front of him were familiar, and suddenly he realized that he had run home. He was angry and annoyed in Yejiawendian just now, but at this moment, he pondered it carefully, and then he realized that he was still afraid of Zhou Qingfeng after all, and he didn't dare to go to the official office alone to complain.
The Simon family has lived in Fushun for one or two hundred years, and they can be regarded as local land snakes. Their family has been a servant for generations, and they know that it is common for officials to have no way to complain. Ximen Dashao recalled Zhou Qingfeng's fearlessness, and subconsciously felt that he would definitely not be able to bring down the other party on his own.
"The Zhou thief also asked me to sue, it must have bought off the one in the Fushun Thousand Households. If I recklessly sue him, I will definitely fall for his tricks. Simon was thinking about his idea, and suddenly he saw a few strangers coming out of his door. The mother, who never shows her face on weekdays, took the initiative to send it to the door, and she was crying.
"Mother, what's wrong with you?" Simon Ai hurriedly stepped forward. His mother immediately cried out, "Son, your grandfather has only been there for a few days, and your father has fallen ill with typhoid fever. Now there is no medicine available in the city, only the Chengxi Medical Center is effective. But I sent the housekeeper to ask, but the people at the hospital said, 'The beds of fifty taels are gone, and now there are only five hundred taels of beds left.' ”
As soon as Ximen Dashao heard that his father was sick, he wanted to squeeze out a few tears, but when he heard that it would take five hundred taels to be sent for treatment, he jumped to his feet and scolded: "Now that there is a great epidemic in the city, the doctor should save the people from fire and water with a compassionate heart, and even if the consultation fee is not waived, how can he take the opportunity to extort?" This traitor surnamed Zhou is so hateful, and the medical hall he opened is clearly to take the opportunity to exploit the whole city. ”
Simon's mother continued to cry: "As soon as your father is sick, your uncles and uncles will no longer show their heads. I sent men to borrow money from them, and they wouldn't let them in. I'm worried that your father won't be able to last a few days, so he wants to sell some of his family's property. The people who just came were people outside the kings in the city, but they pressed the price too hard. ”
He is not the only one who eats the gluttonous feast made by Zhou Qingfeng, and Wang Kai is extremely fast when he goes out. Zhou Qingfeng needed a large amount of cash for turnover procurement, and Wang Yuanwai took the opportunity to buy various industries at a lower price. It's just that Wang Yuanwai's subordinates are too hard to suppress the price, less than half of what they usually do.
In order to accumulate his first pot of gold, Zhou Qingfeng can be said to have created a lot of tragic things. Since returning from the Jurchen territory, he has had a deep hatred of resistance to the fence. In order to make himself strong quickly, he becomes unscrupulous, even at the expense of the innocent.
As for the local gentry like the Ximen family, they had already been registered on the blacklist when Xu Bing investigated the whole city. After the Chengxi Medical Center became famous, in order to increase the profit margin, Xu Bing himself ordered the underworld forces in these places to be more exploited - if you want to change your life for fifty taels, dream! Take five hundred taels.
Now hearing that his mother was going to sell the family property for money to save his father, Simon suddenly hesitated for a long time - of course his father is important, but if the family property is gone, what is the use of his father living?
"Mother, don't you be busy selling property first, the child still has a way, maybe you can let the people from the Chengxi Medical Center come to the door to cure your father without spending a penny." Simon first steadied his mother, then turned and ran out. His mother asked him, 'Who is this going?' and he shouted without looking back, 'I'm going to find the horse's head.'"
The Ximen family was the official of Fushun, and above them was the head of the horse in charge of an area south of the city. This is similar to Han Gui managing more than a dozen streets in the west of the city. Ximen Ai was originally worried that he would be closed again, but he didn't think that Ma Zhutou's house was full of people, and there were many people who came to visit in the living room.
Ma Catcher is in his forties, a stout man. He cultivated to have a second layer of muscles and bones, and with the blessing of official authority, his strength could be doubled. There were all people in his living room who came to complain, and he didn't need Simon to ask, he knew that these people were in a similar situation to himself, and they were all suffering by the forces in the west of the city.
Some families have died, some have their industries occupied, and some have their businesses affected. Especially the latter is the most hated - Zhou Qingfeng has money in his hands and begins to recruit all kinds of talents. He had recently gathered a gang of tents, and had a large number of cheap men to drive, so he actually began to lend usury.
Loan sharks, black-hearted businesses that kill people and don't pay for their lives.
But how can Uncle Zhou's usury be called usury? It is called a small loan for residents, and the loan is disbursed quickly and the collection is very humane. It doesn't matter if you can't pay back the money, Uncle Zhou provides a variety of discount repayment services, including population trading.
Ximen didn't have time to cry about his own tragedy, and another brother beside him knelt down in front of Ma Zhutou crying and shouted: "A new 'casual loan' silver shop has been opened in the west of the city. Later, they kept adding business, constantly doing what pawns, mortgages. A few days ago, I finally reached out and started to lend. ”
Currency issuance in ancient times was a joke, and there was a lack of efficient currency issuance and collection agencies. Because the value of gold and silver coins is too large, and copper coins are inconvenient to carry, both are inconvenient to use, so a large number of very fine precious metal particles will be produced in daily life. 'Silver-de-gold' is the process of re-minting large pieces of metal money.
Ximen didn't know that the Zhou thieves in the west of the city actually stretched out their hands to such a lucrative business.
The one who cried continued to shout: "The interest rate of the 'casual loan' bank shop is much lower than ours, and the amount of money issued is very large. They sent people everywhere to preach it, and it was known all over the city. In just one day, there are people who would rather take out a loan from them to pay off our debts. We can't make any money. ”
There is no good fruit to eat when it comes to usury. In ancient times, there was no financial regulation, and all kinds of profitable means could make the borrower stick to it, and it would never be possible to get out. It is often a loan of one tael of silver, and after a month, it has to be exchanged for two taels of silver.
Zhou Qingfeng is now engaged in 'one or two silver and one medicine', which has created a huge demand for money. Why should he let those loan sharks make money, he should simply do it himself.
Under the threat of typhoid fever, there are countless people who go to the Chengxi Medical Center to seek medicine. There are not many who can really afford to pay. Most people can't come up with this money, and many money lenders in the city are very happy to hear the news, and they have long sharpened their knives and prepared to slaughter fat sheep - who knows that Uncle Zhou has made a 'one fish and two eats', he is the one who sells medicine at a high price, and he is also the one who lends money at a low interest rate.
This blocking people's money is like killing their parents, and such a big reaction to usury is entirely because the interest rate on the small loan opened by Uncle Zhou is too low - with Xu Bing, a criminal policeman, Uncle Zhou was forced to lock the annual interest rate at the highest 100%, and the monthly interest rate is less than 10%. This interest rate is really too conscientious at present, and other loans are really rolling on a donkey, and it has multiplied several times.
"The 'casual loan' that kills a thousand knives, they not only lend at a low rate, but they also collect the surplus money from the market with a monthly interest rate of three cents. There are many small families who are greedy for money who believe in their ecstasy soup and take out their own money and save it in it. The lender continued to cry, scolding even more at the moment than he had just taken out a low-rate loan.
'Low-rate loans, high-interest savings', Uncle Zhou is self-taught about this matter. Since the loans have been made, there is no reason not to absorb savings.
But Simon was shocked when he heard this, and asked, "Save money for interest?" In 'casual loans', how can He De let the people in the market send money? Those foolish men and foolish women are not afraid of losing their money? ”
In ancient times, usury was common, but savings were not common. For no other reason, it is difficult for merchants to guarantee credit. Those who can do this business are wealthy businessmen like Wang Kai. But even so, there is often no interest on saving, and there is a fee.
The one who cried for the loan also scolded: "Those small families don't know anything, and they get lost when they hear that there is interest on their deposits." Many people listened to the news and went to the west of the city to inquire, and many people came back to talk about the good of the west of the city.
It has spread in the market, saying that the owner of the 'casual loan' is a good person, and he has changed the west of the city to a person. What do you say about 'casual loans' with a thick capital and a big foundation, and a medical clinic is making money every day, and there is absolutely no shortage of money.
There are also discounts for relatives to introduce, and you can get an extra cent of interest. Deposit within five days of opening, and the interest of the month will be doubled. Anyway, there are a lot of tricks, and those stupid people who are greedy for money are lost their souls, and they rush to send money. ”
Simon was even more stunned, but his heart was fluttering. He asked in a low voice, "How much does it cost to take out a 'casual loan' in the west of the city?" ”
"It was opened yesterday, and I heard that it absorbed five or six hundred taels of silver on the first day. Today, I sent someone to see it, and the door of the shop was full of people, all of whom were in a hurry to deposit money inside. I guess I can have one or two thousand taels of silver to put in today. The lender said.
Ah...... it only took a day or two to absorb so much silver from the people in the city, and how long would it take to pay it back? Won't they make a lot of money?
Ximen Dashao asked again: "This 'casual loan' is so bold, who is behind it?" ”
Everyone in the living room pricked up their ears, and even the head of the horse catcher at the top showed a concerned look. Doing such a big business, you can't do it without a little background.
Only then did the lender sigh and said: "I heard that there is Wang Kai's foreign contact behind him, and the owner of this 'casual loan' seems to be attached to Lord Li and Zhao Zhongjun in the city. He also said that his background is more than that, and the Ye family in Liaodong is also involved. ”
As soon as these words came out, everyone in the living room lamented. Most of them came here because they were oppressed by the forces in the west of the city, and they came to discuss with Ma Zhutou. Who knew that it would be so frustrating to hear such news.
Ximen Dashao was even more depressed, and only then did he remember what happened in Yejiawendian in the morning. The thief of the Zhou clan was really not afraid of him to sue, and now he can't sue if he wants to. A group of people in the living room sent a request to Ma Zhutou to find out what the background of the forces in the west of the city was as soon as possible.
Ma Zhutou's face was also iron-blue, and he served tea and sent off the guests with a few words of comfort. And when Ximen Dashao and the others left, he walked into an attic in his backyard with closed doors and windows, and said through the window: "Brother Thorn, I'm afraid that things are just as you think, it's really not good." Zhou Qingfeng in the west of the city is getting more and more powerful, Wang Kai's guy is really unreliable, and it is getting more and more difficult to get rid of him. ”
There was a breath in the attic, and it took a long time for a faint response, "I will recover from my injuries in the next two days, so I still have to ask Brother Ma to help find an opportunity." This kid surnamed Zhou can't be dodged every time. ”