While Xu Ping and Zhang Yi were chatting, the servant suddenly came to report that Wen Yanbo outside was anxious to see Xu Ping. .

Xu Ping was shocked, hurriedly said goodbye to Zhang Yi, and quickly walked out of Kaifeng Prefecture.

Wen Yanbo was walking around like an ant on a hot pan under the big tree outside the mansion.

Seeing Xu Ping come out, Wen Yanbo quickly stepped forward and bowed, saying, "Master, big things are not good!"

Xu Ping didn't want Zhang Yi on the side to see a joke and said to Wen Yanbo: "If you are in peace today, what big thing can happen? Let's go back to the yamen together and talk about what happens slowly."

Wen Yanbo looked at Zhang Yi, wanted to speak but stopped, sighed, and followed Xu Ping to leave Kaifeng Prefecture.

When he arrived on the Imperial Street, Wen Yanbo could no longer help but bowed to Xu Ping and said, "Master, this matter cannot be delayed! Zheng Tiju had a conflict with them because he discovered that there was something wrong with the capital bank and wanted to lead his troops to surround the bank!"

"What?!" Xu Ping was shocked and stared at Wen Yanbo with his eyes. "Send troops to surround the bank? Who gave him the courage!"

Wen Yanbo spread his hands: "Zheng Tiju was cruel and insisted on taking the people from the Beijing Bank to question him, and he had already brought his soldiers there."

Xu Ping only felt confused and could not keep up with the pace of this era. Zheng Jian, an accounting checking agency of the Audit Department, was really the Censorate, and he led troops to surround the bank. The Censorate did not dare to do this! The Three Departments did have soldiers, but they all had specific duties, either for engineering or for cargo in various warehouses. When would they still take charge of people?

Regardless of negligence, Wen Yanbo led the way. Xu Ping ordered Tan Hu to lead more than a dozen elite soldiers riding horses to stop Zheng Jian with him. If Zheng Jian did this, it would be a bad idea. Whether the audit department could exist would be a problem. The account check would be jealous, and it would be a big deal if he could take anyone at will! What's more, where is the bank? Where is the place where the money is managed, and he can lead the soldiers around him? If they are stolen, they can't afford to take them away.

The headquarters of the Beijing Bank is open outside the Donghua Gate, close to the palace, so that Zhao Zhen can inquire from time to time, while the Kaifeng Prefecture is located on the west side of the Imperial Street south of the Imperial City. It is not the prime minister, and no one can ride a horse in the Imperial City without special orders. Xu Ping and his party could only go east around the Imperial City, and rushed to Donghua Gate. Turning over the Dongjiao Tower, Pan Tower was two or three hundred steps north, he finally caught up with Zheng Jian.

Zheng Jian was riding on the horse, his face flushed and his veins burst out. He was leading more than 30 Sanshixiang troops to the north. Judging from the situation, he was either going to put out the fire or rushing to fight.

Xu Ping and Wen Yanbo crossed the walking wing army, rushed to the front of the team, and whispered to Zheng Jian: "Tianxiu, what are you doing?"

Seeing that Xu Ping was coming, Zheng Jian hurriedly stopped the team, dismounted and bowed, and said, "Report to the provincial master, Zheng Tiju and others in the capital bank did not act according to the rules. I went to check the accounts, obstructed them in every way, and said in vain. The Audit Department Xinli, how can I not establish my authority!"

Xu Ping was stunned for a moment before saying, "How do you want to establish authority? Take your troops to establish authority? You are only a few of you! Not far from Donghua Gate is the imperial guard camp. Are you not afraid of them arresting you! Don't mess around, take people back first, let's discuss it!"

Zheng Jian said anti-verbal: "The Audit Department intercepted the world's money and grain, and the Beijing Bank had the courage to openly disobey the order!"

Xu Ping sighed and said, "Your Audit Department is just a check of accounts, not a case handling, not a censorship, and not a criminal court! Okay, let the soldiers go back first, outside the imperial city, you openly lead the troops and have a few brains! If you have any questions, tell me slowly, let us discuss before making a decision."

Although he was a little reluctant, he could not disobey Xu Ping's orders. Zheng Jian asked the Xiang army, who was leading the soldiers, to return, leaving only a few of his own entourages. This was a sensitive area. After a while, Xu Ping saw the people from the Imperial City Division leaning around.

"Oh," Xu Ping sighed at Zheng Jian. "Panlou is not far away. Let's go to have a drink of wine. If you have any questions, please explain them carefully. Tianxiu, remember that no matter what the Audit Department finds, it can only report it and cannot investigate the case!"

Zheng Jian was obviously not convinced. When he found out the ills of love, he would of course have to check it out in detail. Where can I honestly ask you to check it out in the yamen? How can I continue to check it without any means? Leading troops yourself is just controlling the scene, if you didn’t really want to take someone.

When they arrived at Panlou, Xu Ping found a quiet pavilion and asked the servant to serve wine and food, and sat with Zheng Jian and Wen Yanbo.

Seeing that Zheng Jian was not interested in drinking, Xu Ping said: "There are no outsiders here, let's talk about it, what's going on?"

Wen Yanbo bowed: "Let me tell you for the sake of Tiju. Two days ago, we heard the news that someone in Kaifeng City colluded with powerful families and opened a company that he didn't know what to do. These companies only do one thing, which is to borrow money from the Beijing Bank."

Xu Pingqi said: "What do they do if they don't do business? It is important to know that there is interest to borrow money from a bank."

"Although the interest rate of borrowing money from a bank is several times higher than that of depositing money, the annual profit is still only 10%. Compared with those who lend on the market, it cannot be lower. These people borrowed money from the bank and then handed it to the city's quota. Although they didn't know how much annual profit they received, they thought it was much higher than that of the bank. When the bank rules were set, they had explicitly ordered that these companies without actual transactions not be allowed to be loaned to those companies that had no actual transactions, and the loan amount was linked to the transaction volume. The Beijing Bank did this, which was obviously non-compliant, so we naturally had to investigate it when we got the news. Who would think that Zheng Tiju of the Beijing Bank insisted that they did not do anything illegally, the Audit Department was a big deal, and the Beijing Bank was not under the control of the three departments. It was unreasonable for us to investigate him. The more the two sides said it became more and more rigid, and Zheng Tiju said that they felt that they must have a ghost, so he went back to the yamen to order soldiers."

"Wait!" Xu Ping stopped Wen Yanbo's words, "You mean, someone falsely opened a company and cheated of loans from the bank?"

Wen Yanbo thought for a while and nodded: "That's what it means!"

"Talent" Xu Ping didn't know whether to laugh or scold him. The bank had just opened for a long time, and some people took advantage of loopholes. But it was not surprising that no one did a beheading business, and people always racked their brains to find ways to make money.

It is no exaggeration to say that it will not take long for all kinds of methods to make money by banks, whether legal and compliant or fraudulent, will be invented one by one. At this point, we must believe in human wisdom, if this is also considered wisdom. Later generations think that the ancients did not know the unexpected methods, but they were actually just illusions. Either they thought that they had just not passed down or the conditions at that time did not allow them. As long as the conditions were met, all kinds of ideas would emerge. Xu Ping believed in this more and more, and understood that all he had to do was set up a stage, and people of this era would go up and sing operas.

Banks use deposit and loan interest spreads to make money, while companies that cheat loans use bank loan interest spreads and social loan interest spreads to make money. The key is that people in this industry can control the risk costs of social loans. If this cannot be done, they can only be a simple scammer, and the problem will be easily solved.

What if they could really control the risk cost of social loans? The problem would be complicated. Under the current conditions, they helped Beijing Bank solve the problem of loans, so they would not have to worry about no one talking to them.

Who has such great energy to control the risks of social lending?
Chapter completed!