Baidu otaku as Chongzhen

Chapter 652

Yang Reform figured out the benefits of being a Living Buddha, and he felt extraordinarily refreshed.Often from ear to ear all day long.

It was another morning, and Yang Reform woke up refreshed again.

As usual, eunuchs and court ladies are still serving.

After washing up, the formal work of the day began.

"Big companion, is there anyone you want to see today? If you don't have one, go to the platform." Yang Reform took a little care of the notes that needed urgent processing, and then he was ready to go to the platform to train his teammates. For the "investment" of these two people, Yang Reform paid a lot of money. Don't look at Yang Reform who pays attention to their study progress every day. By the age of 50 or [-], that is to say, he can still work for himself for [-] to [-] years. If this is the case, then the investment is really worthwhile. It is quite cost-effective. Settle the accounts, every time you do the calculations, the motivation for the two people to step up their training will be stronger.

"Report to Your Majesty, the British Duke is asking to see you." Wang Chengen hurriedly reported the most important matter of the day. No one's business can compare to the British Duke's. The British Duke is here, so he is naturally the first to report it, and naturally he has to make arrangements Be the first to meet the emperor.

"Oh, the British prince is here? Please." Yang Reform said immediately.

"Slave obeys the decree." Wang Chengen immediately agreed, and then went out to deliver the decree.

……

On the platform, Yang Reform waited for the British public Zhang Weixian, and while correcting the playbook and homework, he thought about why another "type" of his "teammate" was looking for him.

Before he could come up with any tricks, Zhang Weixian, the British public, arrived.

"The old minister sees His Majesty." The British Duke Zhang Weixian saluted with a smile.

"The Duke of the state is free of courtesy, big companion, and sit down." Yang Reform said to Zhang Weixian with a smile.

"Thank you, Your Majesty." The British Duke Zhang Weixian thanked him, and then sat down on a chair with the help of Wang Chengen.

"Duke Guo came to see me today, but something happened?" Yang Reform asked with a smile, his type of "teammate" followed him, and he made a lot of money, so he didn't know what would happen today?

"Uh,...uh, Your Majesty, the old minister has something to ask..." The British Duke said intermittently, as if it was something difficult to say.Although Zhang Weixian is very old, the light in his eyes is shining, very energetic, inversely proportional to his aging appearance.

"Oh, what else can trouble the Duke? The Duke might as well talk about it and see if I can solve it." Yang Reform said with a smile. It was quite a pleasure to cooperate with this "teammate". Yang Reform Take care if you can.

"Reporting to Your Majesty,...in fact, in fact...this, please forgive the old minister's conceit, the old minister..." Zhang Weixian, the British Duke, said somewhat expectantly, very embarrassed to speak.

"Hehehe, if you have something to do with the Duke, you may as well just tell him. I will solve what I can solve for the Duke..." Yang Reform laughed.

"Your Majesty,...then, that old minister just said it, but it's actually like this, Your Majesty, old minister..., the old minister's family has been a little tight recently, and I want to borrow some money from your majesty's bank..." Zhang Weixian gave the emperor a precaution Even though it seemed difficult to speak out, Zhang Weixian didn't show much embarrassment when he said it, and he smiled, without any change on his face.At their level, to be honest, it is impossible to ask for power. Whether it is military power or government affairs, if you ask for it, the emperor may think of going to other places, which is bad luck, but if you want money , This, Zhang Weixian really felt at ease and boldly asked for it. The famous historical allusion of asking for money to offset the suspicion of the emperor is deeply rooted in the hearts of the people. Asking for this actually shows that he has no intention of disobedience. The more, the more it means that I am focused on making money, regardless of other things. Of course, with the current situation of the Ming Dynasty, it is impossible for Zhang Weixian to get any military power, and it is even more impossible to intervene in the mess of the civil servants. He can only ask the emperor for some money. Well, on the one hand, I really need to earn some money to support my family; on the other hand, I want to show my position that I follow the emperor closely.

"Oh...heh, heh heh, the Duke will also be short of money? Did I hear you right?" Yang Reform laughed when he heard that the British Duke Zhang Weixian asked for money. He was more relieved when he heard that it was this. tricky business.

"Uh..., to report back to Your Majesty, the old minister followed His Majesty to make money. He was really confused. He only thought that it was good here or there. He invested with His Majesty everywhere, but he didn't pay attention. If he was not careful, he spent almost the same amount of money at home. Yes, Your Majesty..., the old minister's family is a bit troubled, but he is reluctant to sell those stocks and investments..." Zhang Weixian said.

"Oh, this..." Yang Reform was also a little ashamed.

"...Here, it shouldn't be difficult for the Duke to go to the bank to borrow money..." Yang Reformed his mind quickly, shifting his mind from other places to money and the bank, and began to clean up the matter. For clues, Yang Reform remembers that he has never stopped others from borrowing money. Isn't this bank just eating interest?How can you live without borrowing money?
"Reporting to Your Majesty, it's not difficult, but that... Li Qianhu... he has to ask for some mortgage from the old minister, the old minister..." Zhang Weixian, the British Duke, told the emperor.The fortunes of these nobles have been squeezed dry by the emperor's many investment channels, and there are profitable transactions everywhere. The silver in the silver cellar is getting less and less every day, and it has to be moved out every day. I watched so much money slipping away from my hand helplessly, and the money must have been moldy in the cellar. Therefore, the money accumulated over the years was quickly emptied by various investments. Originally, they relied on giving to those in the south People make bridges and matchmaking, find a portal to charge some matchmaking fees, life is not bad, but even so, I still can't resist the many investment channels, the investment profits are huge, it seems that every investment is bound to make money, see With so much money flying in the sky, where can the money at home be kept?Up to now, many people have even taken out their coffins, ready to fight wantonly.

Zhang Weixian's visit today can be regarded as representing the situation of a group of nobles' families.

Yang Reform listened carefully to what the British public Zhang Weixian said, and he understood it. It turned out that these guys had already emptied their homes and wanted to invest, but they couldn't get any money. Now they want to find a bank, that is, borrow it by themselves. Money, in fact, it's not that I can't borrow money, but because of the mortgage.British public Zhang Weixian and the others feel that they are nobles, and they want to borrow money, which is just a matter of one sentence. They don’t want to mortgage their property. Eliminate the need for collateral to borrow money.

Zhang Weixian talked a lot, and when he finished, he looked at the emperor again, hoping that the emperor would be accommodating and open an opening for them. Although their status is noble, in fact, compared with those rich men in the south, their wealth is not enough. More are fixed assets, such as land, such as estates, such as shop sales and so on. In fact, the working capital is not particularly large. Compared with the South, which can easily count as 10 taels or millions of taels for business, the difference is more than one. Grade, now more and more southerners come to Beijing to find a way out, and they are so generous that they are dumbfounded. With the friendship of landlords, they can slightly dominate the south in terms of investment. With the growth of the capital There are more and more people, and there are more and more southerners. It will be quite difficult for them to continue to overwhelm the southerners.As a "landlord", many "landlords" are also dissatisfied with the tone of being oppressed by "guests" on their own land. The nobles in the north also vaguely mean to compare with those in the south.

"Well..." Yang Reform is also quickly thinking about this matter. In fact, when it comes to borrowing money, Yang Reform has long hoped that others would borrow money from his own bank. Refreshing, unfortunately, this ancient time is not the modern day in the future. China has always had a tradition of living within its means, and it is also very resistant to borrowing money to live on and do business. At the same time, in fact, this business has not been developed very much. Now it is frantically absorbing funds and living by collecting exchange fees. The bank's main business, lending, has always been in a difficult labor.As for usury, it is really not on the table.

Yang Reform remembered that he had mentioned this to Zhang Weixian before, but it obviously had no effect. No one was willing to borrow money. In fact, it was not that no one borrowed money, but that no one wanted to mortgage their property to borrow money. They were willing to do this. It can be said to be very rare, and now Zhang Weixian still comes to him to talk about this matter, the actual problem is still on the mortgage.

If the bank wants to lend normally, it is impossible not to accept collateral. The collateral must be carefully evaluated, and not everything can be used as collateral. According to Yang Reform's thinking, it is certain to accept mortgage, and It is a rule that must be established, otherwise, if my bank is open, won't it become a relief center?

If according to what Zhang Weixian said, they can borrow money without collateral, and if they agree to it, what will the civil servants do?Officials are also divided into big and small, so is it still necessary to divide the standard of how much money a person can borrow according to the size of the official rank?If all the officials in the world borrow money and don't repay it, will I be degraded as an official in the world?Isn't this making yourself guilty?
Yang Reform has been thinking about it for a while, and he is ready to stick to his bottom line when it comes to borrowing money that requires collateral. Although lending is in a difficult period of delivery, Yang Reform believes that as long as he persists, he will definitely be on the right track. If he opens his mouth at this time, I'm afraid that there will be endless troubles in the future, so as to make myself suffer in the future, it is better to block it at the source.

"I remember this matter, I told the Duke earlier..." Yang Reform said with a smile.This is a difficult problem. Yang Reform is going to stick to the bottom line and set up a good rule for the future, but he still has to find a way to reject the British government.

"Reporting to Your Majesty, Your Majesty has said it, but..., minister,..., this mortgage of family property is really an act of an unfilial son!..." Zhang Weixian begged again. In Zhang Weixian's view, mortgage of family property is not the same as going to pawn There is no difference in the pawn shop, what kind of virtue is it to go to a pawn shop?That's an unfilial son.

"..." Yang Reform can also understand Zhang Weixian's statement. It is not surprising that people have this kind of thinking in ancient times, but seeing Zhang Weixian's embarrassed face, Yang Reform can see that they still don't want to take a risk to make money. They can only enter, but cannot exit. These nobles can only be called conservatives. They have the motivation to make money, but they do not have the courage to take risks. Sure enough, they should not rely too much on a certain group of people, especially a country. A certain group of people, this country is destined to be flawed.

Yang Reform looked at Zhang Weixian's embarrassed face, secretly celebrating that he did not completely rely on these people, fortunately he had other people who could drive him, otherwise, there might be some troubles in the matter of expansion.As expected, things often have two sides, and seeing only one side is far from enough.

"Oh, this matter, I have to say that the Duke is a little timid and missed a great opportunity." Yang Reform also has his own bottom line, and he must maintain this bottom line, but he must also appease these nobles. After thinking about it , or ready to fool.

"Please enlighten me, Your Majesty." The British Duke Zhang Weixian immediately asked respectfully.

"Didn't I ask the Duke to go to the bank to borrow money a long time ago? Why didn't the Duke borrow it? I only came to find me now. I am going to criticize the Duke on this point. This courage is still a bit lacking!" Yang Reform immediately As if I was doing it for your own good, but you didn't appreciate it, said in a ignorant manner, and immediately kicked the question back to Zhang Weixian.

"Ah!...Your Majesty, this..." Zhang Weixian was inexplicable. Hearing the emperor's tone, it seemed that he had misunderstood the emperor's meaning, and it was because he had misunderstood the emperor's meaning that caused the current problem.where is the problem?Zhang Weixian was confused.

"Hey,...if the Duke had listened to me and borrowed money from the bank earlier, wouldn't he have made a lot of money by now, wouldn't he be in this situation?" Yang Reform still had a kind tone that you didn't understand me. Said.

"Uh,... Your Majesty means..." The British Duke Zhang Weixian saw the emperor's appearance, and immediately made up various reasons by himself.

"...Talk about it, my lord, what's my vision?" Seeing the bewildered look on the British lord Zhang Weixian's face, Yang Reform was going to continue to fool and explain him away. He had to keep his bottom line, but he had to appease him.

"Reporting to Your Majesty, His Majesty's vision is naturally far-sighted, which is difficult for ordinary people to reach..." The British Duke Zhang Weixian replied immediately, still not quite understanding what the emperor meant, why did he seem to be blaming himself again?

"...Duke, tell me, did I lose money when I was in business?" Yang Reform asked again.

"Reporting to Your Majesty, Your Majesty is far-sighted and clever, and every business he does is profitable..." the British public Zhang Weixian said immediately, this point is known and recognized by the whole country.

"...Duke, tell me, when did I treat the Duke badly? It was a good business that time, and there was a good thing that time, didn't you take care of the Duke?" Yang Reform said again.

"Reporting to Your Majesty, Your Majesty has never treated his ministers badly..." Zhang Weixian said immediately, there is no doubt that they are now only following the emperor to make a lot of money.

"...Hey, that's it. Last time, I told the Duke that he didn't have enough money to do business, so he borrowed it from the bank. If the Duke asked the bank to borrow money at that time, the Duke will see how much he is earning now. It's gone..." Yang Reform said with a regretful look.

"Ah!..." Zhang Weixian seemed to understand why the emperor made such a tone.

"...Hey, it's a pity... I thought the Duke had enough money and I didn't need to borrow it from me. Alas..., what a pity, what a pity!... It's a pity that the current market situation has changed. The Duke just borrowed it, and now taking advantage of the wave of southerners coming to Beijing, the Duke of the Kingdom calculates, how much will he earn?..." Yang Reform said with a regretful face.

"Ah!..." Zhang Weixian seemed to understand what the emperor meant. The last time the emotional emperor asked him to borrow money, he actually meant something!The emperor knew that there was a wave of good market conditions behind this, so he gave himself a chance to take care of him in advance, but unfortunately, he didn't understand the emperor's meaning, let the opportunity slip away in vain, and let the emperor misunderstand himself...

"... But, Your Majesty, you still need to mortgage at that time..." Zhang Weixian, the British public, understood, and became even more confused. Didn't he need to mortgage before?

"...Hey, how can I say it's a pity? How can I say that I want to criticize the Duke, and the Duke borrows money, so it's hard for me to really take over the Duke's mansion? What I'm not sure about, can let The Duke takes risks? Let the Duke go to the bank to borrow money?..." Yang Reform said regretfully.

"Your Majesty's lesson is, your Majesty's lesson is..." The British public Zhang Weixian was a little dejected. According to the emperor, because he failed to understand the emperor's meaning, this wave of market prices did not earn what he deserved. He lost a large sum of money. Thinking about the market price when the emperor asked him to borrow money, and comparing it with the current market price, the difference in price can make people burst into tears!

"Well, speaking of it, it's because I didn't say too much. If I want to encounter the good news of today's blowout, it will be difficult. I originally wanted to use the mortgage as a cover, but now it seems that I'm afraid it's The fake show has come true, and now it will be difficult to reveal this to the state..." Yang Reform shook his head and said regretfully.

"Your Majesty, why is this?" the British Duke Zhang Weixian asked dejectedly.

"The previous mortgage was just a cover. I asked the Duke to borrow money to do business. Naturally, I have [-]% certainty. Now I can only say that I have [-]% to [-]%. Dare to boast that I have [-]% certainty. After all, people are not as good as heaven. Naturally, I dare not let the Duke do loan business like last time. After all, there are still some risks..., and now I don’t know how many people have entered Beijing, everyone is staring at the bank. If this hole is disclosed to the country again, and everyone in the world will find the bank to borrow money, wouldn’t the bank collapse? If it needs to be mortgaged, then of course it will be serious... So, it’s a pity This wave of market prices!..." Yang Reform said with regret, and expressed his position by the way. Borrowing money is fine, but it must be mortgaged. The rules must not be broken.

Zhang Weixian was depressed and regretful. If he had understood the meaning of the emperor earlier, he really didn't know how much money he could make by relying on this wave of market prices. It's a pity, it's a pity, it's useless to regret now, the emperor has already It seems impossible to seal the hole and let the emperor speak again. It seems that I am afraid that I will have to use things as collateral when I ask the bank to borrow money in the future. Thinking of this, I feel very uncomfortable.

Yang Reform made a fool of himself, and felt that Zhang Weixian had been fooled at last. Fortunately, he preempted the attack. Fortunately, he said this at the beginning. Fortunately, Zhang Weixian didn't really borrow money. Otherwise, this hole is really hard to seal. Well, in China, the power of human affection is not covered.Bad debts, bad debts, bad debts, dead debts, Yang Reform did not stop "listening", and he naturally defended in advance if he could defend.

(End of this chapter)