The heavy rain outside the ship became more and more powerful, hitting the lake and stirring up waves, pushing the huge merchant ship to a shaky wobble. From time to time, thunder and lightning roared, like the cold light that the swordsman kept drawing his sword and blooming, constantly cutting through the gray world.

The atmosphere in the cabin grew heavier as the topic approached the other side.

Liu Yan is too arrogant, but his arrogance is not without reason, but the reason is too ethereal.

The Huang family in Kyoto has stood in the Tang Dynasty for hundreds of years and has long been a behemoth in the business road.

For hundreds of years, there have been thousands of people who want to slaughter beasts.

How easy is it for Liu Yan to push it down?

Li Yuanfang didn't say anything about this, and instead asked: "If you want to take the Huang family to open the knife yourself, what does it have to do with my Dragon Hall?"

"Whether it has anything to do or not, you know best. ”

Liu Yan took away the wine glass placed on the rosewood box, then reopened the lid of the box, took out a stack of golden tickets and threw them in front of Li Yuanfang, and said casually: "Although you are a prince and destined to live a lifetime, you have no right to use the treasury reserves, and your monthly salary is only thousands of taels of silver. With Longtang alone, even if you empty your family, you won't be able to get millions of taels of gold, let alone millions and tens of millions. Looking at the northern Xinjiang of the Tang Dynasty, there are only those who can have such wealth and wealth, and the only one who is rich and Huang is the Huang family. ”

"It's just your guess. ”

"That's right, it's just speculation. ”

Liu Yan does not deny it: "But for me, speculation is enough to be conclusive." ”

"Jokes. ”

Li Yuanfang smiled disdainfully: "Just guessing, you want to take down my Dragon Hall?" I also completed the procedures for taking stock for bank credit a month ago. The Criminal Department, the Ministry of Households, and the Ministry of Industry all have records, and all accounts are acted in accordance with the law. What can you do with me?"

Sha...

Liu Yan was not in a hurry to answer, he slowly reached into his arms, groped out a square note from his arms and put it in front of Li Yuanfang, and said: "Now I really can't help you, so I am planning to draft a new stock business law, and even play Jin Luan to revise the law of the Tang Dynasty." That can help you, and even wipe you and the Huang family together. ”

Li Yuanfang took the note and spread it out in front of him to look at it carefully.

The paper strip is somewhat special, seven inches in length and width, black characters on white paper, red frame lines printed on the four sides of the paper, and the words "Gong", "righteousness" and "letter" are printed on the top.

It's an IOU...

Liu Yan said again: "In the middle of last month, I pledged my stock at the entrance of the hall in the north of your city, and borrowed a hundred taels of silver and this note. ”

Li Yuanfang put the IOU back on the table and asked, "Is there anything wrong with this note?"

"Absolutely. ”

Liu Yan said: "The paper is the Bai Ai propaganda paper produced in Jizidong Town, and the seal is the official seal of the household department, with a monthly interest rate of seven cents, a monthly return of seven taels, and a term of two years." All of them are within the laws and regulations of the country, reasonable and legal, and there is no mistake. ”

"And what do you want to say?"

"Of course, I want to say that you guys are tired. ”

Liu Yan took back the IOU, put it in front of him, and said: "On the surface, this IOU is indeed no problem, but if you look at it in secret, the problem will be big." And the main problem is that you have buried it in the preconditions of the loan deed by the method of grafting flowers and trees..."

Li Yuanfang seemed to sense something, and quietly put his hands together on the table.

Liu Yan saw the slight change in his eyes, and paused for a moment: "What's the matter, are you starting to feel uneasy?"

Li Yuanfang didn't answer, closed his eyes heavily, and said, "You go on." ”

"Good. ”

Liu Yan didn't fight any ambushes, and then continued: "There are four main problems. ”

Article 5 of the deed of borrowing states that if Party B fails to pay the interest on time within the specified time, Party A has the right to confiscate part of Party B's shares to offset the interest, and the price shall be based on the current official stock price.

Article 8 of the deed of deed, if Party B fails to repay the debt in full within the time limit or the stock price depreciates to the lower limit of the loan, Party A has the right to seize the shares held in the name of Party B and require Party A to add collateral.

Article 14 of the deed of deed, Party A shall not add interest on Party B's credit under any circumstances. Party B has the right to repay the loan at the market price of the stock and terminate the loan relationship at any time during the term of the credit contract.

In addition, Article 17 stipulates that Party A and Party B have a private loan relationship, and do not need to bear any additional costs arising from stock transactions in addition to the ticket tax payable by the household department. If any additional costs are incurred, Party B shall bear all the costs. ”

After the four clauses, Liu Yan put down the deed...

"I don't bother to talk about other sesame mung bean trivial matters, just with the above four chapters of the overlord clause, I am enough to bring you down on the Jinluan Palace, send all the officials involved to the heavenly prison for trial, and put the Dragon Hall in a place of no return. ”

Tw...

The black panther standing behind Li Yuanfang had a very ugly face at this time, and he quietly put his hands behind his waist, as if he had taken something, and he was about to burst out at any time. Due to the angle problem, Liu Yan couldn't see the black panther's movements, but he seemed to have expected something a long time ago, and said coldly: "If you want to kill people and kill people, I advise you to do it as soon as possible, otherwise you won't have a chance if it's too late." Also, before killing me, weigh how to deal with the aftermath, otherwise the consequences are not something you can bear. ”

The black panther was stunned, and Li Yuanfang then raised his right hand to stop, closing his eyes and remaining silent: "You continue." ”

"Say what?"

"Say what you want to say..."

Li Yuanfang paused, and then said: "What you said has already been filed in the Shangshutai of the Criminal Department. Even if you can say that the lotus flower of your tongue is evidence of crime, at most you can only pull out some of my wings, but you can't break me down. Even, I have to thank you. Because my father will see my ability because of this, I will stand out from the princes. And you will get into trouble and offend the wrath of the people because of this. ”

"Hehe..."

Liu Yan smiled presumptuously: "If you have the ability to do this, I will not humiliate myself." It's a pity you didn't. ”

“......”

Li Yuanfang didn't say anything, and Liu Yan was no longer bored when he saw this.

"Come on, since you don't see the coffin and don't shed tears, then I will fulfill you, so that you can be convinced. ”

As he spoke, Liu Yan picked up the dishes and chopsticks again, and then picked up many dishes at random, filling the rice bowl to the brim, and finally continued casually while eating: "You are right, you have already filed the loan treaty with the Criminal Department, and this matter is supported by the officials of the Criminal Department, and the fire is far from burning your body." And your plan is indeed very clever, and the key point is hidden deep in the abyss, and it took me nearly forty days of painstaking meditation to dig out the traces and understand the mystery. ”

Even though Li Yuanfang had something to say first, as Liu Yan's thinking was getting closer and closer to the powerful core, the black panther couldn't help but secretly put the iron claw hidden in the belt on his five fingers. The eyes are fierce, as long as there is a slight movement, it is a shot to kill him.

Liu Yan didn't seem to feel the killing intent that was gradually filling the air.

Talking to myself...

"The fifth clause of the deed is your foundation. ”

"If the borrower fails to pay the interest on time, you will forfeit the pledged shares to make up the amount at the price quoted by the stock market at that time. Nowadays, the stock is suppressed by the Ministry of Finance, and the market quotation is far lower than that of the black market. This sixty percent difference is fatal. Regardless of the profit or loss of the borrower's shares, you can make double the profit if you reverse your hand, which is guaranteed.

Of course, the stock market is doing well now, and basically no one will lose money.

The people who borrowed the money would only applaud vigorously, thinking that they had really earned it.

And your food will look better. ”

Liu Yan chewed the meat foam and swallowed it raw to his stomach, then took a sip of sake, waved his sleeves to wipe the oil stains from the corners of his mouth, and then continued to bury his head in eating and said...

"So, take advantage of this great opportunity to pave the way back. ”

"And the eighth clause of the deed is your sword.

If the borrower is unable to repay the debt within the maturity period, or the stock price depreciates to the maximum borrowing limit. You have the right to seize the shares in their names and ask them to pledge additional property. Slaughtering people without spitting out bones, this plan is very vicious...

In the case of a good stock market, these two preconditions are like a fictitious condition. Because, now that the stock price has been rising, it will not take a few months for everyone to form an inertial thinking, thinking that the stocks they are dragging in their hands will only rise and fall. But once the preconditions are met, it means that this inertia is broken, and all shareholders begin to gradually wake up. At that time, the price of stocks was skyrocketing, and more and more money needed to be borrowed, but the motivation to buy was becoming less and less. Investors will suddenly realize that it is no longer possible for their stocks to repay their capital with monthly dividends, and even the interest on loans cannot be leveled, so they will begin to sell to repay the loans.

As soon as the signs of a sell-off are revealed, it will become a breach of the embankment, causing panic in a very short period of time, causing more and more people to reposition the value of the stock, which will also lead to more and more people wanting to exchange the ticket for silver taels, so as to withdraw from the game of beating the drum and passing the flowers.

That's when the real catastrophe will happen.

Supply outstrips demand, and prices rise.

Demand exceeds supply, and prices fall.

When everyone is in a hurry to sell their stocks, the stock price will collapse instantly. The panic of conformity can even make desperate people lose their minds, which can lead to stampedes. The so-called stampede phenomenon is a pathological psychology of scrambling to be the first. In order to sell their stocks as soon as possible, they will not hesitate to sell at a lower price and drag the stock price into an unreasonable low in a very short period of time. And at this time, your knives hidden in the shadows can finally take advantage of the situation to unsheath and begin to harvest.

The stock price fell off a cliff, and the stock fell sharply.

With this clause, you can eat the vast majority of the borrower's stock without much effort, and also leave them in debt. The monthly interest rate is 7%, and the annual interest rate is doubled, which is still my interest of 200 taels of silver. If the borrowing amount is higher, the interest rate will be ridiculously higher. Without the support of the high price of stocks, in the face of this debt, even if the people with high debts will be slaves for generations, they will not want to pay it off.

This plan is really poisonous..."

Liu Yan seemed to be frightened by what he said, and ate the remaining vegetables and meat in the bowl in a few gulps, then put down the bowl and hooked his fingers behind him, ordering: "Come, give me a bowl of white rice, and two pots of Biluochun." ”

“......”