(Thank you for the headache, you can’t help but feel bad. Nanyang Huo, I’m here to support you, thank you!)

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While Yi Feng was talking with the inn guys upstairs, a group of people rushed from the east road, about a hundred people. More than ten people were riding horses outside the front, and more than ten newly made four-carriages from Huaihuang were followed by more than ten new carriages in Huaihuang. The open carriages were filled with strong green and strong, all wearing soap and brown robes. The sound of horse hooves was like a fierce rainstorm coming under the cold and quiet night. The sound of dogs barking came immediately from the village on the roadside in front of the inn.

Liu Wenqi, the son of Youzhou Prefecture, rode Qianlixue, a horse he had bought back for recently for fifty silk, and walked in front with a tired expression and a gloomy face. Catching money was not an official position, but a miscellaneous servant. His grandfather was once the governor of Shizhou, and his father died in the battle for the Great Sui Dynasty and was posthumously awarded the title of Shangyi Tongsansi and a fourth-rank official. His father died in battle for official business, so he was able to be granted a son. However, Liu Wenqi was the second son in the family, and his brother Wenjing was finally awarded the title of the fifth-rank official Yi Tongsansi. Although it was only one

There are no real positions and powers, but after all, it is also a royal reward. The eldest brother has obtained an official position and entered the career of the officialdom. However, it is not so easy for Liu Wenqi to become an official. Like many children of officials, Liu Wenqi finally took the same path. Because his elder brother has already obtained the fifth-rank title of honor, he was able to join the three guards of the fifth-rank official and serve as the emperor guards in the three guards of the three guards. After a certain period of time, he will be qualified to participate in the election and appointment.

Liu Wenqi was just the second son in his family. He obtained the qualification of a Pinzi. Pinzi is the descendant of an official under the sixth rank and a son of a third rank or above, and a son of a third rank or above. After obtaining the qualification of a Pinzi, he can act as a guard for a prince and a third rank or above. Of course, most of the Pinzi are the capital of the Economic and Management Office, and are called the Cash Pinzi. Although the name of Cash Pinzi sounds good, it is actually just a sex servant. According to the system of the court, it has become a sex servant.

Later, you no longer have to bear the rent and mediocre service, or military service or labor service. This is a very good treatment, especially after becoming a proprietor, you are qualified to participate in the selection of officials and officially enter the official career. Although you can get rid of taxes and avoid vocations when you become a proprietor, you can only say that it is just the most common miscellaneous job. The money in the management of the government office is to put it bluntly, it is the capital in charge of the local prefectures and counties, and you can use this money to lend money to the prefectures and county governments to collect profits.

The word "caught money" is definitely not as good as being a guard in the prince's mansion, but it is also a good job. His miscellaneous job of catching money by Youzhou Prefecture was found by his elder brother who worked in the Prince's Mansion. He left the capital of the capital and came to Youzhou. He was not bad at first. He even found a way to make money like those catching money from all over the country. The government office in Youzhou Prefecture has sufficient capital and the monthly profit is not very high. Youzhou is a major northern town with a prosperous business economy. The money he has always been released easily. Moreover, because it needs too much, he can even set the interest rate he released is much higher than that of the yamen. Once in a row, he can make a lot of money by making money by getting in the center. He can not only complete the yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's yamen's

But this good errand has become a chore recently.

Everything was just because of the sudden rise of Huaihuang Northern Bank and it expanded rapidly towards Youzhou.

Previously, the Youzhou Prefecture Public Party where Liu Wenqi was in charge of the money was as much as tens of millions of yuan. The yamen practiced that the public party was released was one-minute and five cents per month, but in fact, the loans released by Liu Wenqi were far higher than this number. The loans he had used were six cents per month within half a year. The monthly profit for more than half a year was seven cents per month, and the monthly profit for one year to three years was eight cents per month. This profit had long exceeded the regulations of the court, and even compared with the monthly profit set by the court, the usury red line that could not exceed six cents per month, and the cost of the capital was not more than twice. Not only was the monthly profit high, but it was also a very profitable profit.

For usury, Liu Wenqi's 10,000 guan of capital can receive as much as 100%, and if 10,000 guan is released, the annual interest rate can reach 10,000 guan, and even the profit will be repaid. If you borrow 1,000 guan in one year, the principal and interest will be two thousand, and if you spend a year, you will be four thousand, and the principal and interest will be four thousand. With the backstage of the yamen, Liu Wenqi's regular public money is in the medium and short term within a year, but the annual income can still reach more than one double. His income is about six times that set by the government office. If it is calculated at the modern official interest rate of more than four times, it is considered a usury, which is a definite usury.

This is a very profitable transaction. He has 10,000 guan of capital, and only needs to hand over the specified profit of 1,800 guan per year. In fact, the profit he received is 1,000 guan twice the capital, up to 8,200 guan. Of course, he can't afford such a large amount of profit alone. The yamen openly collects 1,800 guan, but secretly pays 1,800 guan. In addition, he has to share a portion of the yamen officials, officials and even the servants below. He has a team of people who specialize in lending and collecting accounts, and the expenses are quite large. But even if he gets rid of these openly and secretly, Liu Wenqi served as the Youzhou Prefecture's money-catching brothel, and in the end, he can still get the benefit of 3,000 guan in the end. This is a big fortune!

However, since the Northern Bank set up outlets in Huaihuang and even opened its store to Youzhou City, the deal Liu Wenqi has become difficult to do.

The monthly profit of his loans is at least six points, with an average of about eight points.

As for the short-term loans within one year, the annual profit of short-term loans is only 70%, and compound interest is not included.

This is a huge difference. Liu Wenqi's monthly profit even exceeded the annual profit of Northern Bank, which is more than ten times the gap. When Liu Wenqi borrowed 10,000 guan, the capital and profit would be paid 20,000 guan in one year. However, when he borrowed 10,000 guan, the capital and profit would only cost 10,700 guan a year later. With such a huge difference, the result is that all the borrowers who used to borrow money from him went to Northern Bank to borrow. Although Northern Bank had many requirements for lending, and even had to have guaranteed mortgages or something, Northern Bank's capital was much stronger than Liu Wenqi.

It was not many days before the end of the year. Liu Wenqi had not collected all the money he should have paid.

In the past, he could earn 3,000 guan a year and give 1,080 yuan of profits to the yamen. There was also a profit of 5,200 yuan. But now he carefully counted it. This year, he calculated the principal and profit fields in his hands. It was only more than 14,000 yuan. This result made Liu Wen anxious, but the result was the same. 14,000 yuan this year, the profits he received this year were only 40% of last year. Although it could still reach more than five times that of the Northern Bank, it was a big trouble for him. Even if he didn't want the 3,000 yuan of his own money, he still had to give 1,008 yuan of profits to the yamen, and then the 5,200 yuan of management points. But now there is only 4,000 yuan, and the account that must be paid on the 1,000 yuan that must be paid was deducted. The remaining one is only 2,022 yuan, and even if he didn't take his own share, he was still missing 3,000 yuan.

As early as the Northern Bank entered Youzhou, Liu Wenqi had already noticed the trouble. After that, the customers were losing their customers. He also reported to the yamen. However, although the people there helped to take the opportunity to seize the Northern Bank store in Youzhou City, the borrowers did not come back to him, and more borrowers chose to go to Huaihuang to borrow money. Liu Wenqi could close the Northern Bank store in Youzhou City, but could not manage the Northern Bank in Wuzhou. However, the huge losses this year were ignored. The superiors had already sent a message, no matter what difficulties he had happened. The annual share of money could not be paid without a single penny.

Liu Wenqi has been busy for a year this year, but the three thousand guan that should have been paid out have been lost. Instead, he has to take out three thousand guan.

The profits of the 1,800 guan yamen and 5,200 guan of various parties were paid in total, and Liu Wenqi had already paid the total of 7,000 guan. He did not dare not pay them. This money involved all the forces in Youzhou. It was precisely with the participation of these people that he could manage the money and set the interest far more than the profits of the yamen. There was no need to pay the monthly profits of 6 cents. Liu Wenqi not only handed over the 4,000 guan income, but also moved 3,000 from that ten thousand yuan. But this was just a temporary measure, and this year was barely over. But next year, the lending business was no longer easy to do, and the capital was deficient by 30% again. If you don’t think of a solution, you will be even more ruined next year.

He must find a way to save himself, otherwise he would not want to live and return to Chang'an.

In the past two years, he has made nearly 10,000 yuan in Youzhou's property. It would be fine if he took it out to make up for this year's deficit. However, he knew that under the current circumstances, it would be impossible for Youzhou to take down the errand to hand it over to others. No one would take over this issue at this time. The 10,000 yuan in his family property he earned could at most make him last for two years. What should he do in two years?

Although Liu Wenqi is a son of an official, his father died long ago. The eldest brother attacked the official and just worked as a guard in the palace. The water in Youzhou is very deep and he can't get rid of it. These days, Liu Wenqi's worried hair is almost white, and he can only drink to relieve his sorrows all day long. Today he is drinking to drown his sorrows again. When he met his fellow countrymen in the yamen, everyone gathered to drink together. During the meal, Liu Wenqi couldn't help but complain about his unlucky experience. When talking about the emerging Huaihuang, everyone couldn't help but jealous and hated.

The barren land outside Huaihuang has now become a treasure land with gold and silver, which no one could have imagined before. But they could only look at the horse bandits and bandits that were looked down upon in the past, and the barbarians who made a fortune. The price of the whole day, one caravan after another passed by the city of Youzhou, making a smile, and even the New Year's Day did not stop.

When the wine was halfway, I don’t know who made an idea, “Those merchants who ran away from the desert have made a lot of money, but we can’t even drink a sip of soup when they eat meat. I asked me to tell you, let’s take some brothers cleanly, and then set up a few checkpoints on the road outside the city. For any caravan passing by, whether it comes or goes, we will charge him a sum of money, which can be regarded as getting some New Year’s money.”

"This is not very good. I set up a private checkpoint to collect money. If the merchants sue, we are afraid that we can't afford to take advantage of it." Someone worried. Those who drink here have basically the same identities and hold various qualities in Youzhou Prefecture. All families are eunuchs' families, and their parents hold official positions, but they are just qualities for sexual service, not officials at all, not even officials. There are even many qualities for sexual service. They are just baiding who serve sexual service, and some of them are delivered at the post station.

Some of the postmen who are in the official treasury are in the official treasury, some of the bridges who are responsible for protecting the floating bridges on the river, management canals, dams, and horses who are in charge of horses. Some of them are clerks in the yamen, the public clerk Bai Zhi, who serves as servants by the rank officials, and they hold clothes. In short, birds of feathers flock together, and these people can be regarded as temporary workers in the Youzhou government. If you do coloring services, you don’t have to pay taxes. You still have the chance to be an official in the future. In Youzhou City, you can also be regarded as a group of local tyrants who cannot be ignored.

"Don't worry, General Yan and Sima went to the capital to celebrate the festival and returned only after the spring of the New Year. The chief is still imprisoned by General Manager. Who else can be mindful of these small matters? Now there is no one in Youzhou who is the real person in charge. Besides, let's find some extra money together and give it to the upper and lower levels. Who will not be able to get along with the money?" said a bolder Pinzi. Seeing the large number of merchants passing by every day and countless money flowing, how could they not be moved? If they had the opportunity to make a fortune, of course they would not let it go.

"Damn it, those businessmen make a lot of money. Let's just buy some of them and have a good New Year."

Everyone was in high spirits with some alcoholic spirits, and they did what they said. They settled the wine tent and then summoned their own people. None of them had three or five helpers, and immediately gathered a team of more than a hundred people. The leader was Liu Wenqi, the sons who were in miscellaneous responsibilities, and the other ones were Bai Zhi, the power, the power, the siblings, and dozens of people who were also in the yamen. The horses rode the horses and got a group of newly built four-wheeled carriages from the yamen, which were all gone.

The horses took the horses together and then left the city directly. The matter was unexpectedly smooth. They set up checkpoints on the road leading to Huaihuang in Youzhou under the banner of the Youzhou General Administration. According to the size of the caravan, the value of goods was carried, and then they waited to collect the money. Although the business trips and traveled were a little jealous of this sudden tax head card team, no one dared not to give it to them. They all paid the money honestly with the idea of ​​spending money to avoid trouble.

By dusk, in half a day, they had already collected hundreds of guan tolls. After winning the first battle, everyone was very happy. They had already planned to return to the city and come back tomorrow. Liu Wenqi felt that it was not enough. It seemed like a lot of hundreds of guans, but so many people had to pay part of it to respect the top. How much can they get? After finally gathering up so many people, Liu Wenqi wanted to take them to grab Huaihuang directly.

"Brothers, I just received a message that a large caravan just came and stayed overnight in the old Tan family store in the west. They brought more than 100 good horses and a lot of goods. We might as well go and ask them to collect money and let's have a drink at the old Tan family store. The donkey meat in this old Tan family store is quite authentic and delicious, especially the high-quality white wine from Huaihuang in their store. Donkey meat and white wine are a perfect match. How about it?"

If hundreds of good horses are based on the toll they just collected, they might be able to collect a lot of money.

"Okay, I'll collect the money and compensate the stewed donkey meat and Huaihuang liquor from the old Tan family store. Let's go!"

A group of people shouted and got on the horse, rushed to the old Tan family store. (Please search for Astronomy not yet completed, the novel is better and faster!
Chapter completed!