If the king of food violates righteousness and competes for profit, he will give up his public rites and retirement, and he will die......"

Zuo Qiu Liang twisted his beard, shook his head and read the newspaper, and his mood was that comfortable. The more he read, the happier he became, and he longed to let everyone hear the article. This article is well-said, wonderful, and croaked. That Kong Rongkong Beihai is worthy of being a saint and a Miao descendant, a famous man who moves the world, the article is written well, and it all goes to his heart.

Since the opening of Sihai Money Village more than two months ago, the loss of the Zuoqiu family has been great. The interest rate of the bank is too low, as long as the conditions can be met and the guarantee can be obtained, they will go to the bank to borrow. Let's talk about the end of the year in December, in previous years, in order to pass the New Year, some people came to borrow money, but now it is less than half. For this alone, the Zuoqiu family lost at least 500,000 yuan. Zuo Qiu Liang's teeth itched, and he wished that he could burn down the money village.

However, no matter how much Zuo Qiu Liang hated in his heart, that is, he read the Tao in private, he couldn't afford to provoke the Four Seas Money Village. Not to mention that he Zuo Qiu Liang can't afford to provoke, there are not many people in the whole Han Kingdom who can afford to provoke. After all, Xiang Feng, the big shopkeeper of Qianzhuang, and Zhang Shen, the little shopkeeper, are all famous celebrities in Linda. Zuo Qiu Liang no longer has vision, and he also knows that this money bank was opened by Zhang Han, the general of the chariot cavalry.

Zuo Qiu Liang smiled secretly, this time, Zhang Cheqi lifted the stone but smashed his own foot. However, these people really dare to say it, and they dare to publish any article.

"Man, let's have another pot of Pu Tao tea......"

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"It's nothing. The general is a person, Zheng Jun is clear, and some things should be clearly stated on the surface......"

Zhang Ling put down the teacup, bowed slightly and said respectfully-facing Zheng Xuan, he couldn't help but be the slightest contempt.

"That's ...... too"

Without raising his head, Zheng Xuan bowed his head slightly. Compared with other places, Zhang Han's tolerance towards his hometown can be said. It's almost indulgent. Of course, Zhang Han didn't care, but his methods were more gentle. However, Zheng Xuan likes this feeling.

"Besides, I'm not just Dengkong Beihai's "The Big One Shall Not Take the Small", and I don't have the Chu madman's "Jingguo Jimin" ......"

Zhang Ling's laughter was very hateful. Zheng Xuan glanced at him in surprise, couldn't help but laugh too, and he pointed at Zhang Ling with his hand:

"Zhongyun, you, I just wish they were arguing!"

“……”

Zhang Ling smiled silently.

Everyone knows the truth in this, Zhang Han used his own money to lend, which is really beneficial to the people, but it is only against the interests of the people. Let's just say that Kong Rong, the descendant of Confucius, is a famous celebrity in the world. But. Kong Rong wrote this article, is it really out of public interest?

Not necessarily.

Kaoru is still very tolerant of celebrities. Much more tolerant than Wang Yun. Kong Rong Zaiyang repeatedly offended Xun Zhuo, and Dong Zhuo also took care of his reputation. refused to harm his life, and sent him to Qingzhou to serve as the minister of Beihai. Since Zhang Han became the state pastor, he has taken down all the ministers of various counties and countries, and switched to his own henchmen, so he naturally will not tolerate Kong Rong. When the time came, the two sides clashed, and Kong Rong's stinky mouth. It will cause death.

Xun Zhuo knows that he cherishes his reputation, and Zhang Han will not let Dong Zhuo see jokes. Although he refused to let Kong Rong take up the post of Beihai Minister. Zhang Han refused to take his life. Instead, after removing the Beihai phase of Kong Rongdi, he was re-engaged. Kong Rong is a man with great ambitions and talents, and he has always looked down on Zhang Han, how can he be willing to succumb to Zhang Han. As a result, Kong Rong fell into the middle of it.

Kong Rong's seat is always full, and the wine in the cup is not empty. Moreover, he had to drink well. The little supply provided by Xuexiang can only maintain a well-off life, but he can't afford to spend so much. In short, Kong Rong's people are lending.

As for whether Zhang Han's opening of a money bank is regarded as "competing with the people for profit", the answer is naturally yes. However, Kaoru Zhongshu is not a saint. Besides, the words of the saints should also look at the actual situation. Even if you can name a flower, when you really want to borrow money, everyone is still willing to go to the bank.

However, Zhang Ling didn't care much about this, just like Zheng Xuan said, he wished that everyone would make a noise, otherwise, what was written in the newspaper?

Zhang Ling's name Zhongyun is Zhang Jian's younger brother. The dragon gave birth to nine sons, each of whom was different. Zhang Ling did not choose his brother's path to politics, but became Xiang Feng's right-hand man. After Xiang Feng left his hometown, he became more and more busy, and gradually he couldn't take care of his hometown. The various industries and financial revenues and expenditures of the school township were successively handed over to Zhang Ling to be responsible. Zhang Ling also lived up to expectations and managed very well.

Newspapers, on the other hand, are a novelty that only appeared this year, but the predecessor of newspapers, news paper, came into existence last year.

In the monthly academic magazine, from time to time there will be some comments on the situation in the world, and by the way, there will be some true and false news. Zhang Ling stumbled upon the news and found that it was very popular. After all, in the Great Han Kingdom, the speed of information transmission is very slow. In their spare time, they not only care about national affairs, but also care about the news of their hometown. It's human nature. Even if the family has moved to Qingzhou, there will be some relatives and friends who will stay on the land.

Seeing that these contents were popular, Zhang Ling wanted to print more. Of course, this rude request was rejected by Zheng Xuan. Zhang Ling thought about it again and again, so he tried to publish these news on paper separately. Surprisingly, these message papers sold very well. Far exceeded the sales of the academic journal. Not only does it sell well in Xuexiang, but it also sells well in Qingzhou. Over the years, Guan Ning's popularization of education has greatly improved the literacy rate, and Zhang Han's reduction and exemption of taxes and servitude has also greatly improved the living standards of Qingzhou people. The demand for reading is booming, and message paper is just in time.

After ten months of development, the newspaper was published every six days, publishing official decrees, news from various regions, opinion pieces, anecdotes, and so on. At the beginning of October, Xiang Feng also took the lead by publishing a full-page advertisement in the newspaper to promote the opening of Sihai Qian Zhuang and introduce the scope of business. This caused a lot of controversy and quickly expanded the market. In turn, the success of Qian Zhuang has also led to newspaper advertising, and in the past two months, the newspaper has gradually increased from one page of dissatisfaction to three pages. Of course, advertising prices are also rising.

Putting down the letter, Zheng Xuan picked up the teacup and took a sip. Tea is a good thing, more suitable for the taste of Chinese than wine. Driven by Zhang Han, drinking tea and icing are all the rage. However, similar to Bing Qilin, Zhang Han has little research on tea drinking, and often cooks a bunch of miscellaneous things such as preserved fruits, sugar, milk, and honey. Drinking tea is not like drinking tea, but rather like desserts.

Zheng Xuan drank tea and learned from Xun?, but it was the original authentic green tea that Zhang Han originally handed down. Squinting his eyes, savoring the fragrance between his lips and teeth, Zheng Xuan was thoughtful. Zhang Han's letter this time, he had expected it, but he didn't expect it to be so early. Well, the four prefectures of Qing, Hebei, You, and He, plus half of Yanzhou, Lang Evil Country and Hanoi County, Zhang Han occupies a quarter of the world, maybe Zhang Han feels that the time has come......

Zheng Xuan pondered for a long time, and suddenly said:

"Zhongyun, what else does the general have to say, no?"

In private, Zheng Xuan always called Zhang Han's cousin, not to support the great. When they first met, Zheng Xuan called Zhang Han like this. To this day, although the identities are different, the friendship is still the same. Zheng Xuan also thought about whether it was appropriate, but he revealed a little meaning in the letter, and he was ridiculed by Zhang Han, and in a fit of anger, he continued. However, Zheng Xuan is extremely measured in public. Ling waited patiently for a long time, and he really felt something in his heart

Quiet. I want to change my school township into a formal Taixue...... Uh, wrong, Zheng Xuan's support is unimaginable. Seeing that Zheng Xuan was not angry, Zhang Ling let go of half of his thoughts. As long as there is some discussion, it will be easy to do:

"Zheng Jun, the general ordered, all matters are in charge of Zheng Jun, and I will fully cooperate with ......"

"Zhongyun, please return to General Bing, learn the matter of regularization of the township, I think that things can be done, but there is no need to publicize it. As for ......"

Taixue is a university, no matter how the name changes, the essence is the same. At this time, the time is not yet ripe, and it is really not appropriate to act rashly and attract the attention of the world. As for Zhang Han's hope to add some subjects other than the "Five Classics" in his hometown, Zheng Xuan was still a little hesitant. After hesitating for a moment, he did not continue:

"In this way, I'll write a letter to the general to explain that I want to trouble Zhong Yunshao and take the ...... later."

……

After sending Zhang Ling away, Zheng Xuan sat for a while, the tea was cold, the afterfragrance was faint, and a touch of slanting sun shone through the window and shone on the table, forming a mottled light and shadow......

"Father!"

"Oh, it's En'er!"

A familiar voice woke up Zheng Xuan, needless to say, it was his only son, Zheng Yien. Zheng Xuan devoted himself to studying in his early years, and it was not until he returned to his hometown after completing his studies that he gave birth to this son. is old and has a son, Zheng Xuan's expectations for Zheng Yien are naturally very high. Fortunately, Zheng Yien is talented and diligent and studious, and Zheng Xuan is also very pleased.

"Father, the meal is ready!"

"Not busy! En'er. Look at this letter. ”

"Yes! Father, please wait a moment! ”

Zheng Yien took the letter with both hands and looked at it carefully, it turned out to be a general's handwriting. The general's writing became more and more majestic and beautiful, and Zheng Yien unconsciously depicted it twice with his fingers. Immediately, he reacted and began to read the letter attentively. Zhang Han was very polite in the letter, greeting his father's body, and talking about it again. asked him if he was willing to be an official, and said that he had recently written a very satisfactory character, well, Zhang Han intended to formalize Xuexiang and set up Zheng Xuan as a sacrificial wine...... Zheng Yien quickly glanced at it, and then flipped through it - this should not be what his father asked him to see.

Really. Zheng Yien found it later--Zhang Han hoped to increase the number of subjects such as management, economics, law, smelting, machinery, naturalism, and physics in his hometown. In the letter, Zhang Han also gave a detailed introduction to the content to be studied in each subject. No wonder his father hesitated, Zheng Yien saw it himself, and he felt that it was unbelievable. The law is okay, the law of the Han Dynasty is numerous and complex, and it takes a long time to learn, Zhang Han has also heard of the judicial reform, and Zheng Yien has also heard of it. For talents who are proficient in the law of the Han Dynasty, Zhang Han is thirsty.

However, the economy, smelting...... What kind of mess is this?

The letter is finished. Zheng Yien did not speak, and closed the letter together. He pondered for a long time. Zheng Xuan didn't rush him, and waited patiently for his son to think clearly. For this matter. He had already thought about it almost - the Great Han Law could be increased. However, Zheng Xuan wants to see how his son thinks about it.

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Zuo Qiu Liang is also a character in Lin, but some people don't give him face. Before he finished speaking, someone read aloud a passage from "Helping the People through the Country":

"The Ziqian family (usurers) suck blood and extract marrow, and do everything they can. The rich borrow it, and the rich become poor; The poor borrow it, and their sons sell their daughters......"

Zuo Qiu Liang was furious when he heard this, and the reputation of the Ziqian family was not good. The Zuoqiu family generally keeps their duty in lending, and the five-cent interest is a little higher. But everyone is like this, why did Sun Tong pour sewage on Zuoqiu's family:

"Sun Tong! Don't talk nonsense! My Zuoqiu family didn't let go of the money! ”

"Zuo Qiu Liang, I'm reading the article, but I didn't name it, is this teahouse your land, you are allowed to read it, and I am not allowed to read it?"

Sun Tong didn't care about him, Zuo Qiu Liang was extremely resentful, but he was speechless, staring at the boss with two eyes, staring at Sun Tong tightly. Sun Tong looked at him with a smile, sweating in his hands, but his face remained silent. He didn't like Zuo Qiu Liang, and it wasn't a day or two, so he didn't expect Zuo Qiu Liang to be so angry. However, if you lose, you don't lose, and no matter how surprised you are, he won't show it.

"Smack!" Zuo Qiu Liang slapped the table, "Sun Tong, you have a kind!" Reckoning! ”

Seeing Zuo Qiu Liang walking away, Sun Tong made a grimace:

"Good girl, the temper is not small!"

Sun Tong's strange appearance amused his friends in the same seat. Song Wenguang's personality is more stable, and after Wan'er, he can't help but blame Sun Tong for two sentences, Sun Tong smiled and defended:

"I didn't expect Zuo Qiu Liang to be like this......"

"Brother Sun Xian, don't you look at where you are reading, it is related to the reputation of the Zuoqiu family, can he not be in a hurry......"

Seeing that Song Wenguang had to say more, Wang Hui hurriedly diverted the words:

"Forget it, Lao Sun is also a quick mouth. By the way, you say, how could the general think of opening this ...... of the Four Seas Money Bank?"

"What, isn't it?"

"No, but isn't this a competition with the people?! I always feel a little ......."

"This ......"

Sun Tong couldn't say it. According to the reasoning in the book, this is indeed a competition with the people, but he also thinks that this money bank is reasonable. At least, money is good for the people. As for why competing with the people for profit will benefit the people, it is not something he can explain clearly. In a hurry, Sun Tong couldn't take care of a lot:

"Brother Wang, I don't understand, but if you need to borrow money now, where will you borrow it?"

Wang Hui was stunned for a moment, and then laughed in a blink of an eye, so there is no need to say, of course, he went to the money bank to borrow money. In the final analysis, it is still the low interest rate of the money.

The interest rate of the bank is relatively low. Only 3% interest will be charged on one-month loans; The interest on the three-month loan is only 7.5%; The interest for half a year is only 12%; The interest rate for a one-year term is only 18%; 32% interest for two years; The interest rate for a three-year term is 42%; 52% interest for a four-year term; The interest is 60% for a five-year term. In other words, the annual profit margin is: 36% in the month period; %； 24% for the half-year period; 18% for a one-year period. And so on, the shorter the borrowing period, the higher the annual interest rate will not be higher than the interest rate of private loans.

In addition, in order to provide convenience to peasant households, Qianzhuang also provides small low-interest loans - the requirements for guarantees are not high, even if there is no physical guarantee, and if the land cannot be repaid, it can be compensated by hard labor. The loan amount is 3,000 yuan, the term shall not exceed one year, and the annual interest shall be 10% regardless of the length of the term. In this way, when the autumn harvest comes, if the price of grain falls too much, the farmers can sell it again after a while, or they can take it to the market and sell it slowly, without rushing to sell it and being pushed down by the profiteers. Although 3,000 money is not much, it is enough to meet the expenses of the New Year or the needs of spring ploughing.

Of course, once the loan agreement is signed, the interest will not be reduced much if the principal and interest are repaid in advance. Moreover, the bank has not been open for a long time, and has not yet issued loans with a term of more than three years.

A few people were gossiping, when suddenly there was a noise outside the window, and I heard the person next to the window shouting:

"It's a fight! It's time to fight! ”

The crowd was puzzled, and the man shouted again:

"The Four Seas Money Village is fighting!"

It didn't matter what happened, the guests in the teahouse rushed up and crowded to the window. (To be continued)

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