Yu Wang Fuquan was shopping on the street, and at the same time, he was still looking at Wang Zhongxiao's concubine Yang Xiaohuan with relish. He came to Zhengyang Gate with Wang Datou today, and more than half of the reason was for a little N mother like Xiaohuan.

How nice this little ring is! There is a lot more material than the wet nurse in Fuquan Mansion, if you raise such a family at home, you will definitely not be without milk to drink!

Fuquan also heard that this Yang Xiaohuan also practiced wrestling, and often accompanied Wang Zhongxiao to play wrestling, and it was hard to think about it. Wrestling with such a chick, I'm happy whether I win or lose!

This Uncle Fu also heard that Yang Qilong has a lot of good sisters, most of whom are as plump as Yang Xiaohuan. When he was thinking about being a brother-in-law with Wang Zhongxiao, the voices of Guo Jinbao and Wang Zhongxiao came.

"Uncle Fu, Credit Suisse Hall has arrived!"

This kid doesn't learn well. Wang Zhongxiao had obviously arranged for him to work as an errand for the new army of the Green Battalion, but he was not happy, so he had to be cheeky and mess around with the sticky pole. What else do you say that the sticky pole is close to the nobles, and it is easy to be promoted.

Later, he was forced by Wang Zhongxiao to have no choice, so he simply pushed out his father Gunpowder Guo as a shield, and let Gunpowder Guo Guo Dequan become the firearms general of the Chinese Army in the Green Camp New Army, and let his father accept his eldest brother Li Jixiang as an apprentice, regardless of whether he passed on his son or daughter!

The work of preparing gunpowder is dirty and tiring, who really wants to learn? With that kind of kung fu, it is better to help accompany the prince to the Eight Great Hu to accumulate virtue

Yuwang Fuquan looked up, was stunned for a moment, and blurted out: "Oh, why are there so many officials?" What day is it? Why are so many officials queuing up at the entrance of Credit Suisse Hall? ”

It turned out that outside the gate of Credit Suisse Hall, which was converted from Yang San's teahouse and two rows of houses nearby, there was a large group of officials queuing up at this time.

"So many officials are queuing up to save money? These are . Are they all fornicating officials? Fuquan continued.

His mouth is also locked when he is in front of Kangxi, Aobai, and Bumu Butai, as long as they are not there, they are the masters who want to say anything, and they will directly shout at this time!

As a result, a large group of officials who were queuing up turned their heads to look at him, and a few of them were even scared.

"Where did you come from? How can you falsely accuse people of innocence? ”

"That is, your family doesn't care?"

"Yes, Jing has been in Jingquan since high school, how can it be Aobai's traitorous party?"

"Zhang is also a Jinshi of Kangxi for six years, and since he was elected in Jingquan, he has not even seen the face of Aobai."

"Alas, you are still Jinshi, Zhu is just a lifter, he is not in the three subjects, he has been selected in Beijing for several years, and I don't know when he will be a head!"

"Jiang is also a lifter, and it has been nine years since he was selected in Beijing, which is bitter."

"I've been in Beijing for eight years."

A group of Qing officials scolded Fuquan at first, but after a while, they began to complain.

At this time, Fuquan and Wang Zhongxiao saw clearly that these officials were all sesame mung beans, most of them were seventh-grade and eighth-grade, and there were also a few sixth-grade officials, and even some were wearing official uniforms.

These officials are unlucky at first glance, they must not have much money, the material of the official uniforms is naturally very poor (the official uniforms of the Qing Dynasty are usually prepared by themselves), and there are not many followers who accompany them in the queue, and most of the officials are only in shape.

Several of them still looked like they were dish-skinned and emaciated. In these years, foreign medicine has not been popular in the Qing Dynasty, and the official who looks like this is either sick, probably often unable to eat, right?

Guo Jinbao, an old Beijinger, smiled and came to Yuwang Fuquan's side, and pointed at the group of down-and-out officials with disdain: "Lord Wang, these are all sesame mung beans waiting to be selected and selected in Beijing, and they should have come to Credit Suixin Hall to borrow usury." ”

"Oh, it turned out to be a group of poor officials, bad luck!" Yuwang Fuquan obviously didn't look down on this group of officials who came to Credit Suisse Hall to borrow money, and after scolding, he shook his body and walked towards Credit Suixin Hall.

Several palace guards who followed behind Fu's body immediately rushed forward like wolves and tigers, waving their fists to scare those poor officials: "Get out of the way, dodge the good dog and don't get in the way!" This is the prince! Whoever wants to collide with the prince, don't ask for this official skin! ”

As soon as the group of officials heard that Fuquan was the prince, and then looked at Fuquan's temperament and the appearance of Wang Zhongxiao, who followed Fuquan, they were all half short, and they all knelt on the ground where the snow had not yet melted and kowtowed to Fuquan to say goodbye.

Being scolded as a dog is still so low, this dog slave looks. Don't compare it with the civil officials of the Song Dynasty, and compared with the officials of the Ming Dynasty who were spanked at every turn, it was too much worse.

However, Wang Zhongxiao, who has been in the Qing Dynasty for almost two years, actually understands the difficulties of these dog officials.

The officials of the Song Dynasty had high salaries and incorruptible pensions, and the officials of the Ming Dynasty had great tax-free privileges, so a lot of the income sent in by the donation was all rich masters.

And the officials of the Qing Dynasty, to be precise, most of the Han and dog officials, are just one word - loss!

It's really risky to be a dog, and you must be cautious when you enter the office!

It is still the early years of Kangxi, and the Qing Dynasty has not yet opened many donation classes, so these officials are all famous, either jinshi or lifting people - according to the system of the early years of the Qing Dynasty, people can only participate in three to five examinations (three subjects in distant provinces and five subjects in near provinces), and if they fail to pass the exam, they can only participate in the selection of officials to try their luck.

And those who are particularly lucky to win the jinshi, although they can be awarded officials, but having an official does not mean that there is a shortage. Most of the officers who have been selected for the jinshi have to go through a long period of candidates and alternates before they can finally get a real vacancy.

This candidate (election) and candidate are two passes, of which the Beijing official only needs to be a candidate (election), and there is a shortage in the selection. But the Beijing officials are hard, especially for the Han people who have no way to go and no industry in Beijing.

The magistrates, on the other hand, need to be selected (chosen) by the officials first, and then they can get an alternate officer, and then go to the local government to continue waiting.

According to Wang Zhongxiao's knowledge, at present, the serious Jinshi of the Qing Dynasty took an average of eight years from high school to making up for the county order!

Eight years! The Anti-Japanese War was won, and these Qing Dynasty jinshi were waiting for a county order to be short. Of course, eight years and other county orders seem to be worth it, but according to the system of the Qing Dynasty, candidates and alternate officials are not profitable.

What's worse is that the candidates have to wait in Beijing, and the candidates have to go to the provincial capital.

What are the costs in Beijing? What are the costs of the provincial capital?

Moreover, being an official has the dignity of being an official, and all kinds of communication, all kinds of greetings and send-offs, and all kinds of coping costs money.

And when he becomes an official, he no longer goes to work, can a candidate for Jinshi and the first rank go to the Tongzhou Canal Wharf to carry a big bag? If you don't have to work, it's even more impossible to ask for food. The dignified court ordered the officials to ask for food, but it was a loss of dignity for the court.

In addition, finally getting a shortage does not mean that you can be stable for a lifetime.

Because most of the official positions have a term of office, the short is three years (expired), the long is five years, and after the full term, they have to return to Beijing for election. I don't have any money to take it again!

In addition to the expiration of the salary, there is also the problem of a dead father and a dead mother who go home to be a filial son for three years. There is no good thing about keeping filial piety, and after keeping filial piety, you have to go back to Beijing to choose. Still don't have the money to take it!

After being elected as a magistrate, I have to go to the alternate again and continue to have no money to get!

What if you don't have money? Of course, you have to borrow usury.

This kind of usury is called Beijing debt in Beijing.

Therefore, these scholars and Han members of the Qing Dynasty, if they are not particularly rich in their families, or have backgrounds and paths, or they do very well in the exams, they are among the champions, top players, and Tanhua or something, it is really difficult to make a lot of money, and if you are not careful, this corrupt official can be a loss.

The fact that corrupt officials should be at a loss was a joke in other dynasties, but it was a common occurrence in the Qing Dynasty. In the middle and late Qing Dynasty, when officials were overflowing, and the shortage was even more rare, there were even things like officials starving to death. That's a miserable one!

However, most of the officials who lost money were not because they borrowed money to eat and live when they were candidates or candidates, but because they were borrowed from usury to bribe.

In the officialdom of the Qing Dynasty, it was normal to borrow money and bribe to buy missing children, and to embezzle and repay debts after taking office. Most of them have no background, they didn't do particularly well in the exams, and they didn't meet nobles, so if they want to fill the gap early, most of them have to take the road of borrowing usury to buy the vacancy. Otherwise, the number of candidates and candidates will be too long - eight years from high school jinshi to becoming a county magistrate, that's an average!

And this is still a non-commissioned officer, if you want to be an officer, it will be too difficult to do without spending money.

However, it is risky to borrow usury to buy shortages, because in Beijing you can only buy alternate vacancies, and it is difficult to say whether you can buy the actual vacancies you like in the local area.

In addition, even if you buy a good shortage, you can't keep it all When the old people in the family are gone in a few days, you have to go back to be a filial son, and all the money you bought before will be wasted.

And such a group owes a butt of loan sharks, and how much interest rolls up every day as soon as they open their eyes, and if they want to be a clean official, the conditions are not allowed!

Most of the capital that gave Beijing bonds to these Han officials elected in Beijing came from the banner magnates, of course, and the magnates themselves generally did not come forward, but they must have eaten the lion's share when the money was finally divided.

This matter is to put it bluntly, that is, the banner nobles of the Qing Dynasty did not let go of the part that was given to the Han officials when they had already eaten most of the oil and water of the officialdom, and used financial means and created officialdom involution, and then scraped a lot of oil and water for the Han officials.

If the Han members in the entire officialdom are put together and a financial report is issued every year, even if they do not lose money, the net profit will not be too high, and on the whole, it will be a group of "officials working in vain".

And it is this kind of "official vain labor" that can be lost if you are not careful, and because of the relationship between supply and demand and the lack of outlets for Han intellectuals, it has become a fragrant bait.

However, Wang Zhongxiao has no opinion on the bad habit of bullying and exploiting Han members in the Qing Dynasty, even corrupt officials can give you a loss, what does such a court want it to do? Can this not be revolutionary?

Revolutionary. Don't you have to pay back what you owe to usury? So before the revolution happens, shouldn't we borrow a little more?

Thinking of the good thing of borrowing money and not paying it back, Wang Zhongxiao had already accompanied Yuwang Fuquan into the hall of Credit Suixin Hall - that is, the hall of the original Yangsan Teahouse, which has now been transformed into the appearance of a money village hall, and built a row of high and sturdy counters, and there are jujube wood fences erected on the counters, each with the thickness of a bowl. The openings leading to the inside of the counter and the second floor were pressed with wooden doors covered with iron sheets, and at first glance they were very sturdy, and there were strong men with eyebrow sticks guarding the doorway.

When Wang Zhongxiao accompanied Fuquan into the hall of Credit Suixin Hall, it was a time when business was booming, and there was a candidate or candidate for business standing in front of each counter, most of whom had a sad face, and they didn't borrow any money at a glance.

Yang Qilong, Yuan Linjing and Wang Sanshun, the three shopkeepers, came early in the morning. At this time, I heard the report from my subordinates that the prince had arrived, and they all went downstairs to greet them, and when they saw Fuquan, they were about to kneel, and the "official Bailao" who was doing business also felt that a noble person was coming-they all knew that behind the Credit Suixin Hall was Yuwang Fuquan! So at this time, I have to kneel down to the big boss of Fuquanfu, you see, the customer kneels to the store, and there is really no one.

However, Fuquan didn't want to entangle with them more, so he jumped up the stairs with a quick walk, and then went up to the second floor in a hurry. Wang Zhongxiao, Yang Qilong, Yuan Linjing, Wang Sanshun, and Guo Jinbao also immediately followed, and they all went up the stairs, and then they heard the sound of the door closing.

The second floor of the Credit Suisse Hall is the account room, and when Fuquan, Wang Zhongxiao and others climbed up, they heard the sound of clicking the abacus beads.

Fuquan asked: "Are you still settling accounts?" It's all the New Year, and you won't take a break? ”

"Lord Wang, let's put the account, before the end of the year, it was the busiest, and besides, we haven't been open for a long time, this year is still the first year, can't we calculate it well?"

It was Yang Qilong who replied, and now Credit Suixin Hall has a total of three big shopkeepers, Yang Qilong, Yuan Linjing, and Wang Sanshun, of which Yang Qilong is the largest. And he also let go of the old loan sharks, and he has a group of account settlers and debt collectors under his hands, and he has a lot of experience!

"Lord Wang, please."

Yang Qilong replied as he invited King Yu into a spacious living room.

After taking his seat, Yuwang asked again: "How much did you earn last year?" Is it settled? ”

"Lord Wang, the final account has not come out yet." Yang Qilong said with a smile, "But last year, our Credit Suixin Hall didn't make any money, but it collected more than 2.4 million taels of savings. ”

The savings of more than 2.4 million taels are actually more than 240,000 taels of bribes, but someone else is here on the books!

Wang Zhongxiao was worried that King Yu didn't understand what Yang Qilong meant by "not making money", so he hurriedly explained: "Lord Wang, the more than 2.4 million yuan are long-term deposits. Moreover, the silver number does not need to pay interest, and if it is released to earn a profit of one percent a year, it can also have a profit of 240,000 yuan. However, the money released now will only be charged interest next year. So I didn't make much money this year. ”

Fuquan nodded with satisfaction: "I know, I know, who will we give our silver?" Can you get it back? ”

Yang Qilong said with a smile: "Back to the prince's words, at present, most of our silver is given to the officials and people who are selected and selected in Beijing. There is no guarantee that it will be recovered, but the profit is heavy, or the profit is rolling, even if it is broken a little, it can still be earned by playing the general account. ”

Of course, Yang Qilong didn't tell the truth, Credit Suisse Tang's current business can not only be profitable, it is simply profitable!

He is now in the vicinity of King Yu, and he is also an official at the sticky pole, an absolutely well-informed person, and only lends money to officials who have the opportunity to be elected. Moreover, the profit is only part of the income that can be obtained by lending money to the candidate, and the other part of the income is obtained by "sending family members".

The so-called "sending family members" means that the creditor sends someone to follow the "official white labor" to take office (the number of family members can also be sold directly), and then the official authority of the "official white labor" is crazy to collect money! When trouble arises, the "family" will evaporate from the world, and it is still the "official vain" who bears the blame.

And this part of the income, there is no need to report to Fuquan, and it will be shared by Wang Zhongxiao, Guanyinbao, Yang Qilong, Yuan Linjing, and Wang Sanshun!

"Didn't you say before that you would release the account to the merchant who did the trade in the light of luck?" Fuquan asked, "Why is it all given to the officials now?" ”

Yang Qilong had been waiting for this question for a long time, and said with a smile at the moment: "The prince doesn't know, this businessman who runs the fortune is all purchased in the southeast and sold in Beijing. When you do the goods, you need to borrow debts, and as soon as you sell the goods in Beijing, you should repay the money. Therefore, if we want to do the business of Caoyun merchants, we will open branches in Yangzhou, Suzhou, and Hangzhou. In Yangzhou, Suzhou, Hangzhou to release the account, in Beijing to collect the debt. At the same time, it was also able to carry out foreign exchange operations, helping merchants and officials to remit silver to the southeast or back to Beijing. ”

"Lord Wang, this is a good deal!" Wang Zhongxiao hurriedly encouraged Fuquandao: "The southeast itself has money, Yangzhou has salt merchants, Suzhou and Hangzhou have been rich in silk since ancient times, and there are four major weaving in the south of the Yangtze River, and the annual turnover is also a lot of money." If the salt merchants and the four major weaving companies could save some money into Credit Suisse Hall, it would not be more than two million, but four or five million or even tens of millions! ”

Yuan Linjing is from Yangzhou, of course he wants to return to his hometown, and don't pull with Yang Qilong, the head snake in Beijing, and said with a smile at this time: "Lord Wang, this is a great thing for the benefit of the country and the people, as far as I know, the interest of borrowing money in the southeast shopping mall is very high, and the annual interest rate of 20% is very low." And our Credit Suisse Hall can make a lot of money even if it is half of it! ”

"Really? That's good! Fuquan smiled, "Wang Datou, what do you think?" ”

"Me?" Wang Zhongxiao said with a smile, "Lord Wang, I heard that there are a lot of shortages in the Ministry of Liangjiang that should be released to the outside, or you will be a noble person today, and select a few officials from the Ruixin Hall to borrow money and send them to Liangjiang as an alternate magistrate, so that Second Brother Yuan will have someone to take care of him when he arrives in the southeast." If there is a merchant who dares to repay the debt, someone can also help ask for it. ”

Wang Zhongxiao said: "In addition, the branch of Ruixin Hall in the southeast can also be set up as a branch of the East Hall Yamen at the sticky pole, and on the one hand, together with the four major weavings, will be the eyes and ears of the emperor, and on the other hand, make money for the prince." ”

"Good!" Fuquan slapped his thigh, "That's a good idea, so it's done." By the way, big head, you should now go and pick a few officials and people who are waiting to be selected and selected, and let them come to see the king, and if the king thinks it is okay, he will say hello to the officials and arrange for them to release the two rivers. ”

Wang Zhongxiao was overjoyed and said: "Lord Wang, then you are really their great nobleman!" ”

(End of chapter)