Yuwen Wen stared at Yang Ji when he heard this, and the two looked at each other speechlessly. After a moment, Yuwen Wen smiled and said, "I am not yet down and out of heresy yet to suck blood with usury."

"The Duke of the State does not want to, but he can't help but think that not only the cabinet shop, but also the quality warehouse and other things will inevitably appear." Yang Ji said that there was a little heartbroken here, "The reputation of the quality warehouse is too bad, so the Duke of the State must not get involved."

"Opening a cabinet is equivalent to raising loans for usury? Yang Sima's logic is very strange!" Yuwen Wen turned on the verbal mode, "The huge profits of usury are only more than three points in the monthly interest rate. Is there a high glass mirror?"

"What the Xiaguan is talking about is that the partners are stealing their own affairs, and then the government will not care about it?"

"Since, in the newly opened cabinet, which partner dares to engage in usury, I will let him have no place in Huangzhou!"

Yuwen Wen has always been honest, "If you say you want to kill the whole family, you will kill the whole family." The previous batch of privately cast copper coins has been shoveled by his family. Since he has expressed his opinion now, Yang Ji is a little relieved.

"Duke, the officials of the state are also worried that Huangzhou's business is booming. If this continues, large-scale loan sharks will occur sooner or later. What should be done at that time? People are damaged and their families are destroyed, so their parents and officials cannot ignore them."

"It's raining and my mother wants to get married. I can't help but just ban it. But monks don't want to think about it. Whoever dares to open a quality treasury and lend a loan shark will wipe out his jungle!" Yuwen Wen said here with murderous intent.

"If you are a monk, just recite scriptures and knock on wooden fish. If you dare to do business and buy land, you can go to the West to recite Amitabha Buddha!"

Ultimate loans existed in ancient times, and the qualifying warehouse was the name of pawnshops in this era. In fact, it was the predecessor of pawnshops, and it was a shop that used for the mortgage loan and interest collection.

The Southern Dynasties had already appeared widely, and most of them were operated by temples in various places. They generally used the incense money offered by good men and women as capital to start pledge loan business. People who urgently needed money used the goods that were practical and resistant to storage, such as clothing, jewelry, and even agricultural tools, to mortgage them, and repay the principal and interest at maturity.

It sounds nice and called "helping the poor". People mortgage valuable things to our store, take the money to help the emergency, and use the money to redeem them before the deadline. The qualifiers save you the urgent needs and then charge appropriate fees.

In fact, the loan period of the qualifying warehouse is very short and the interest rate is very high. It often lowers the price of the qualifying material at will. If the loan cannot be repaid at the maturity, the qualifying material will be confiscated, which often leads to bankruptcy of many people.

In the late Ming Dynasty when Yang Ji lived, the pawnshop industry was already very prosperous. Although the court stipulated that the interest on pawnshops should not exceed three cents per month, in fact, some pawnshops were willing to take it, and the interest received was far exceeding this.

In that era, Yang Ji had experienced the huge profits of the quality warehouse (pawn shop). He had watched the zaju drama "Shi Renyi and Liu Hong Marry a Maid", which described the reason why Liu Hong, a merchant in Luoyang City, was developed. This man opened a Jiedian shop in the name of "helping the poor" and then began to make a fortune.

He used burnt red gold to turn light gold, wrote good pearls into clam beads, wrote new clothes that had not been worn on the upper body as "original old clothes", and obtained a wealth of ill-gotten money by paying for money and other means.

This is a microcosm of the real pawnshop. The pawnshop evolved from the quality warehouse that appeared in the Southern Dynasty. It is said to be a "righteous act" to save people and delay urgent needs. In fact, it is a huge profit-making business. In addition, part-time loan sharks, countless profit-making businesses have become rich, but it makes the people grit their teeth.

The emergence of quality databases has its own reasons, and the right and wrong of the pawn industry cannot be explained clearly. Yang Ji just doesn't want Yuwen Wen to take the path of loan sharks and pawns because it will really ruin his reputation.

If the ambition is just to be a rich prince, this kind of thing is done. After all, the reputation is worse, and those who sit on the throne are more at ease. If you want to go further, then...

"Quality warehousing, loans are huge profits, but I don't want such huge profits. Don't worry, the title of "Guiliwen" will never appear, and the newly established cabinet shop will not lend usury or operate the quality warehousing."

For some reason, Yu Wenwen didn't care much about his reputation and some bad reviews, but this does not mean that he really doesn't value reputation. It's not OK to involve matters of principle.

"Duke, what is the value of profit?"

"Ah, that's what Lingnan calls usury."

Yang Ji was speechless about Yuwen Wen's own joke about his name. This is probably the only one who is so unforgivable these days. It's a blessing that he just said it privately. If this is the case in public, it would be said that it would be...

It is not as good as a monarch.

"The monks of the Southern Dynasties have already opened quality treasurys, not to mention that there are usury everywhere. Whether it is good or bad or not, it is impossible to resist it. We can only find ways to alleviate it."

Speaking of this, Yuwen Wen made a bright prospect: the newly established cabinet shop not only controls circulation coupons, but also has to be responsible for suppressing usury. Of course, this is a long-term plan. If you don’t believe it, wait and see.

"Others are loans for usury, so the cabinet shop established by Huangzhou cloth merchants will lower interest loans. If the merchants do business, they maliciously suppress the price. If they lend, they can also maliciously suppress the profits, and it depends on who can consume whom."

Yang Ji was quite surprised when he heard this. It seemed that the other party had more fun and intestines than he thought. Yuwen Wen revealed some plans.

The so-called profit-oriented approach is to cure usury, so it is difficult to suppress it in another way, but it is not impossible to control other places. However, there are some methods in Huangzhou. The method of strictly prohibition is too simple and crude. Yuwen Wen wants to fight against poison with poison.

"The cabinet store the large amount of copper coins from merchants and charges storage fees. Even in the Ming Dynasty, the bill number is the same. It seems natural, but I think it is not."

The profit model of the cabinet house, money shop, bill number and money number are to provide customers with services to store copper coins and charge service fees. Another function is to borrow and then evolve into usury, which can suck bones, skin and blood, making a fortune, but it has a bad reputation.

This is something that will happen sooner or later. It is impossible to ban it, so you must first start. Yuwen Wen is now trying to be innovative, so when the newly established cabinet shop stores coins, not only does not charge money, but also has to give money.

“Save money and you can still get interest!”

Yang Ji felt incredible when he heard this. Since ancient times, the cashiers and money shops have charged for saving money. I have never heard of any of them paying money to save money. This feels like restaurants are not only free, but also paying money to customers.

However, he thought again that Yuwen Wen would not be so stupid. If he had interest in saving money, he could imagine that merchants would tend to save money in this cabinet, that is, let the money "give" money.

"Absorb funds by depositing money with interest, guaranteeing the safety of funds with credit, and avoiding the occurrence of runs. The circulation coupons can reduce the use of copper coins, so that the funds in the cabinet shop are sufficient."
Chapter completed!