In the chief of the Sansi Yamen, Xu Ping said to Zhao He, deputy envoy of the salt and iron, and Ye Qingchen, judge: "The capital bank will inevitably cause trouble in the future when lending to the outside world. You must keep an eye on the companies under the Sansi. You must pay interest on time and repay the loan as much as you want. You are not allowed to delay for a day. Don't make trouble at that time, blame us for the heads."

The two of them agreed, and Ye Qingchen asked, "Master, are you just doing this? We don't care about this?"

Xu Ping sighed: "How to manage it? The Secretariat doesn't want to manage it, and Kaifeng Prefecture doesn't dare to manage it. We can't manage it, so we have to let them go. I guess, the end of the chaos was also under the rule of Kaifeng Prefecture. Think about it, these false companies borrowed money, where did they send money? After thinking about it, there were only quality warehouses all over the capital. Those who opened quality warehouses were either rich or noble, and to be honest, it was difficult to manage it. But then again, if you lend money to these people, the bank may not have lost the capital."

Zhao He nodded: "According to the eunuchs who are in charge of the capital bank, no one in the world dares to lose their money, and they don't have to find anyone else. They can even ask the Imperial City Department to deal with the people who owe money to life and death. Alas, it's just a pity. Those who borrow money from the quality treasury are afraid that they will suffer more. The bank cannot collect interest rates late for a day, and the quality treasury will inevitably destroy them."

"Why are there going to be a mess? It is because the money is borrowed from the quality treasury, and countless tragedies are bound to force people to sell their children. At that time, there will be lawsuits in Kaifeng Mansion. This kind of loan will inevitably involve private gambling, and the chaos will be big. But there is no way. We can't control these things, we can only tighten our own fences and not take the blame for others."

Xu Ping really has no choice. Bank loans flow to society. Without the rapid development of industry and commerce, what else can happen? We cannot borrow from banks. Some people are in a hurry to use money and have to sell their home business. Others look pitiful and want to officially issue low-interest loans. Isn’t it good for these people to do good governance?

In fact, banks use bank funds to private small loans, and Xu Ping’s credit card in his previous life also restricts cash out, which affects the bank’s profitability. Another way, private loans have a great risk. The bank’s collection cost is too high, and this cost must be transferred to other directions, which is not conducive to the entire social economy. More importantly, even if these risks and costs are borne by the official, the loan cannot reach the hands of those who really need it. Private loans also require comparative benefits. How much profit can ordinary people bring? During the operation, these loans will inevitably flow to gray industries in large quantities.

So from the beginning, Xu Ping cut off the road to lending to private individuals. But this profit space is there. As long as it is operated properly, you will not worry about not being able to find supporters. Before a large number of vicious cases caused by this happens, no one will listen to Xu Ping's words. How can a person fight against an era? It would be good to be able to guide carefully. The only thing Xu Ping can do is to do his best to minimize the harm, because the people who are really hurt are the people at the bottom.

After a while of silence, Xu Ping said: "We have no choice in this matter. I have already told Liu Han to carefully look at the companies that lend money. Whenever there is any abnormal movement, I will report to you and the Audit Department. What can I do? We will check it out then."

Zhao He breathed out: "With Liu Chongzhi, this matter will not cause too much trouble."

Liu Heng was best at using force in secret and sending spies to investigate privately, and he couldn't use the means of being on the table. He was usually very annoyed by his colleagues, and at this time, he realized the benefits of his doing so.

Seeing that it was getting late, Xu Ping stood up and said, "Tonight, the emperor gave a banquet in the Houyuan. I will go back first, and you can discuss it."

Zhao He and Ye Qingchen sent Xu Ping out, returned to their official hall, and then discussed solutions.

That night, when Xu Ping and Li Zhang got the good news that they had two sons, they were drunk and stopped. The next day Ying'er got up and rushed to Luoyang City to take care of Lin Suniang and Xiuxiu. They were sisters who grew up since childhood, so they naturally had to help each other at this time. Now that the child has passed the full moon, Su Niang and Xiuxiu have both returned to the capital. Zhao Zhen received the news that Xu Ping took the child to the palace to the banquet.

This is the personal friendship between Xu Ping and Zhao Zhen. In this era, it was a kind of honor to be given a banquet by the emperor, and even the prime minister was honored. Xu Ping did not have that feeling. The child was still young, so it always felt strange to bring him to such occasions.

The sun has set in the mountain, and the lights are brightly lit in the back garden of Da Nei. The gentle cool breeze blows from the pond, carrying the fragrance of the blooming lotus, refreshing the heart.

Zhao Zhen didn't blink, looking at Xu Ping's two sons, who were held by Lin Suniang and Ying'er next to him, sitting with Empress Dowager Yang and Empress Cao. The little guy was not afraid of being angry, looked left and right curiously, and giggled from time to time. Panpan, An An and Heihu Lao sat honestly, just like the little adults, but no longer had trouble like the previous two years.

Li Yonghe sat on the upper head, Li Zhang took his younger brother and Xu Ping, sitting upright, waiting for Zhao Zhen to speak.

Seeing that Zhao Zhen was only concerned about looking at the two children and completely forgot that there were adults sitting with him, Li Shihe had to cough twice.

Zhao Zhen then came to his senses and smiled awkwardly: "The weather is just right tonight. Let's drink together in the back garden to make a refreshing atmosphere. This is a family banquet. Regardless of the king and the ministers, they are just their own relatives, and they will stop drunk!"

Li Yonghe, Xu Ping and others hurriedly said that they didn't dare.

Zhao Zhen looked at Xu Ping and said, "You have added two more Jia'er, which is enviable. Have you named him?"

Xu Ping bowed slightly and said, "Your Majesty, it's not yet. You have to wait until the exam to get up. You only call your eldest brother and second brother at home."

Zhao Zhen said "Oh" and said, "At that time, I want me to watch the ceremony too."

The test of the year is what later generations call "Zhou Zhou". A wealthy family like Xu Ping attaches importance to this. After that day, the child was truly successful and should be given a nickname. There is no way, it is not easy for a child to grow up in this year.

After saying a few gossips, Zhao Zhen couldn't help but stretched his neck to Xu Ping and asked in a low voice: "You and I are the same year, and I will marry you two years ago. But now, I have only one daughter and died early, but you are already two sons and two daughters, which makes people envious. To be honest, is there any secret to this adopted son?"

After saying that, he looked at Xu Ping with anticipation in his eyes.

Xu Ping hesitated for a moment and looked at Lin Suniang and the others on the side. Because he had just passed the full moon, his hair was covered with hair, and the two little guys were naked. Lin Suniang was afraid that they would catch a cold, so she covered it with her hands from time to time.

Looking at Zhao Zhen, Xu Ping also replied in a low voice: "Your Majesty, you don't have any secrets, but you have some experiences, but it's not convenient to say."

Zhao Zhen's eyes lit up suddenly, he leaned forward, grabbed Xu Ping's sleeve, and said, "What's the inconvenience of our relatives speaking today! Come on, come on, let's talk ourselves here, and don't let others listen!"

After saying that, he pulled Xu Ping aside, turned his back and said in a voice: "This is not only my family affairs, but also a major event in the world. If you have any secrets, please tell me! When I have a son, you have a son, and when you grow up, it will be a good family. Wouldn't it be beautiful!"

Xu Ping secretly looked at the woman over there and was still hesitant: "Your Majesty, this matter is incompatible with the ancestor system."

"The ancestor system takes the ancestor first, what else can be more important than this!"

Seeing that Zhao Zhen was a little anxious, Xu Ping said: "Your Majesty, I would like to ask, do you want Empress Dowager Zhuangyi?"

When Zhao Zhen mentioned his biological mother, he felt sad, and nodded to Xu Ping with tears in his eyes, and choked and couldn't speak. When Concubine Li passed away, Zhao Zhen was already an adult, but he never recognized each other. It was a regret in his life.

Xu Ping was also a little sad and said to Zhao Zhen: "Your Majesty, it is said that children are father's sperm and mother's blood. If parents cannot care for them, they will be like young birds in the nest and both parents die. How many people must survive? To grow up safely, the most important thing is that they cannot leave their parents, especially the mother's side. The first sip of *** we drink at birth must come from the biological mother, which is called mother's colostrum, which is crucial for the child's survival. Only by drinking this sip of breast milk can we get the biological mother's blood and survival will be easier."

Zhao Zhen nodded, silent for a moment, thinking.

Now the two are discussing a major issue, both of whom are focused on it. Speaking of this, it involves the contradiction between human ethics and etiquette. According to etiquette, all the children of a father are the children of the wife, and they greet their father and biological father sooner or later, so they cannot live with their biological mother.

The folk rule is that the child is sent to his mother after the breastfeeding period and is taught by his mother to grow up. At this time, the children still don’t remember anything. Many of them don’t know that they have a biological mother until they grow up. Although this point is in accordance with etiquette, it is not in line with human ethics and began to change slowly in the Song Dynasty. Whether it is etiquette or law, the status of the common mother is becoming more and more serious. A famous example in history is that Li Ding’s biological mother died during the Shenzong period. He secretly concealed it without letting him down, and thus he was treated with

The opposing opposition to the reformists' concentrated attack. Li Ding made his own discernment just because he did not know that the death was his biological mother, not his father's concubine, who could not accept it. Of course, there was a faction between the reformists and the conservatives, but it also showed that the concubine's son was actually quite alienated from his biological mother at that time, and they were all raised by his legitimate mother. According to the law, no matter whether the son was born by his legitimate mother or not, he had to be mourned for the official period, rather than the biological mother of his wife, he only had to accept it for three months.

The palace must be more strict. As soon as the child is born, he is taken away from his mother, taught by his legitimate mother, and has a special wet nurse. Zhao Zhen's harem Miao family at this time was his wet nurse's daughter.

According to the memories of his previous life, Xu Ping remembers that mother's colostrum can greatly improve the immunity of newborns and is crucial to the healthy growth of children. The poor epidemic prevention and hygiene conditions in this era are even more prominent. Why are children in the palace difficult to support? The most important point is to avoid this sip.
Chapter completed!