lied to Kangxi

It's another year of closing accounts, and the profitability of Universal Bank Bank has made great progress.

Mrs. Zhen, who was supposed to be beaming, subconsciously felt chills all over after reading the general ledger of the Cosmos Bank Henan Branch.

They were too courageous, they were too crazy, they were doing a profitable monopoly business, they dared to make a loss, moreover, they lost more than 100 million taels of silver.

Zhen Shi didn't dare to be negligent, so she hurried to see Yu Zhu.

Who ever thought that after reading the account book of Henan Semicolon, Yu Zhu not only didn't get angry, but smiled and said three good words in succession.

"Okay, ok, ok, what a beautiful job they did!"

Zhen felt a chill in her heart, "Puff tom." Kneeling in front of Yu Zhu's feet involuntarily, she said in a trembling voice, "Da Dong, my concubine has no right to manage her name, and she is really ashamed of trusting you for being such a scum, please Your old man will severely punish you."

Yu Zhu asked Zhen Shi with a smile: "Do they know that I am the boss?"

Mrs. Zhen knew how powerful it was, and she didn't dare to hide it at all, saying: "The big shopkeeper, the second shopkeeper and the third shopkeeper of the Kaifeng semicolon all know it."

In the management system of the universe bank, the capital city has a general number, each provincial capital city has a provincial-level branch, and each prefecture below has a prefectural-level branch.

States and counties, because the economy is too small, deposits are small, loan scale is small, and the cost is not cost-effective, they do not generally set up branches.

Only set up business branch numbers in key areas, for example, Pingyao, Shanxi and other places.

The entire Kaifeng branch has nine prefecture-level branches and more than a dozen prefecture-level branches, including Hua County, Yongcheng County, Tang County and other places.

According to the performance of previous years, the province should make at least 200 million taels of silver every year.

However, this year, not only did he not make a penny of profit, but he also suffered a huge loss of more than one million taels of silver.

The evil fire in Yuzhu's heart was burning, but he said with a smile: "The forest is big, and there are all kinds of birds. It's not surprising. However, since there has been such a big loss, we must find out the reason, right?"

Mrs. Zhen knelt on the ground, not daring to get up, and said tremblingly: "The Huaxian and Tangxian branches have suffered several huge guarantee losses, and the money can no longer be recovered."

"What about the mortgaged property?" Yu Zhu once served as the main person in charge of the local financial bureau and is very familiar with the rules and regulations in the financial field.

"This...is actually unsecured." Zhen said tremblingly.

The ticket number, while absorbing deposits, at the same time releases loans according to the situation of the collateral, and the cycle goes on and on.

However, the bank accounts of this era accept deposits, not only do not pay interest, but also charge a certain amount of deposit fees.

As for the loan, it is a mess of huge profits.

Because private loans are all interest usury.

Lend 100 taels of silver, and after nine months, you will have to repay 200 taels, which is a proper blood sucking.

Why do many great gentry get rich so quickly?It is by lending out usury money to make a fortune.

The people who borrowed money were all from the village, and the situation of each family was well known. If the big gentry dared to borrow money, they would not be afraid of the borrower's repudiation.

If you dare not pay back the money, Master Juren will hand over the name card to the county government, and Master Qingtian will order you to arrest and seize property.

Repaying debts is justified.

As for your homeland, your ancestral property, there is nothing to be done.

The usury of interest is not like this in one place, but it is like this in the whole Qing Dynasty.

The root problem is that there is neither a complete credit system nor a generally established lending institution.

If the folks want to borrow money, they can only find local big families, and use their land as security to lend out usury loans that cannot be repaid.

The reason why the universe bank has developed so rapidly is because there are semicolons in every major commercial port in the country, and this is one of the reasons why it has truly connected the world.

Second, Yuzhu personally stipulated that the annual interest rate of the loan was one cent, which was outrageously low compared with the usury in other places.

The annual interest rate of one cent means that only one-tenth of the total loan interest is charged for 12 months a year.

Yuzhu understood very well in his heart that only fine water can flow long!

Well now, it was tantamount to picking up profits for nothing, but it turned into a loss of money.

Uncle can bear it, can aunt bear it?
"Come here." Yuzhu called Wu Sheng in, and asked Wu Sheng to take his autographed letter and go to Kaifeng mansion to find Wu Sidao, the governor of Henan, and send troops to help arrest him!
Seeing Yuzhu venting out the evil fire in her heart, Zhen Shi was relieved instead.

"The big boss's family are all incompetent concubines." Mrs. Zhen kowtowed again to plead guilty.

After Yuzhu lost his temper, he also knew Zhen's hard work and sweat, so he helped her up with his own hands, and gently comforted her: "How can I not know your hard work? But, don't say good things for those scum Well, merit is merit, fault is fault, it's just that they are too rampant, even dare to greed my money."

The Universal Bank Bank is not domestically produced, but Yuzhu's private property.

Two months later, it is the Spring Festival.

According to the practice of previous years, the big shopkeepers, second shopkeepers and third shopkeepers of each provincial branch had to go back to the capital to receive the red envelopes of the year.

The so-called red seal refers to the rewards that should be given according to the performance of last year and according to the prior agreement.

It's just that, as soon as these shopkeepers arrived in the capital, they were taken away by the Zhen family, and they belonged to the prison cell under the jurisdiction of Shuntian Prefecture.

As soon as the shopkeepers entered the cell door, the appalling sound of whips slapping the flesh, as well as the shrill screams, came unstoppably.

"Forgive me, I won't dare again!"

"I'm obedient, I'm really obedient, stop hitting me."

"Ouch, ouch, my leg is broken, my leg..."

The further you walked in, the more miserable the screams became. The shopkeepers all turned pale with fright.

In the end, the shopkeepers were brought into a huge execution room.

On the beam in the execution room, from left to right, eight bloody people were hung in turn.

Wu Sheng walked up to the crowd with his hands behind his back, and said with a smile: "Masters, eight of them joined forces and dared to steal the king's money. What do you think, how should we deal with them?"

Everyone looked at each other in blank dismay, no one dared to speak, for fear of getting angry.

Wu Sheng didn't expect everyone to talk, he picked up a triangular soldering iron from the red stove, and stuck it viciously to the body of the person on the far left.

"Zizi..." The red-hot soldering iron clinging to the flesh made a frightening sound.

"Ah..." The victim fainted from the pain on the spot, and the whole room was filled with the smell of burnt meat.

Wu Sheng didn't look at the fainted man, deliberately held out the red-hot soldering iron in front of everyone, and walked all the way.

"Ah..." Everyone backed away in fright, for fear that they would touch the edge of the soldering iron, would it hurt to death?
"The big boss said that the ticket number is no small matter, whoever dares to harm the public and private interests, breaks the rules of the ticket number, he will be skinned!" Wu Sheng saw that everyone was trembling with fright, his legs were shaking, and he felt that it had some effect. He showed his cards.

"Come here, peel their skins, and their hands and feet will be a little numb." Wu Sheng waved his hand, and the eight skinning executioners borrowed from Shuntian Mansion appeared on the stage with sharp knives in their hands.

In front of everyone, those eight cowardly rats were skinned and cramped one by one.

"You all read carefully. If you dare to break the rules of the ticket office and embezzle the money of the big bosses, they are a lesson from the past." Wu Sheng threw away the soldering iron in his hand, and with a cold face, he scanned the audience for a week.

The shopkeepers were all scared out of their wits.There is a timid shopkeeper who has already wet his gown.

"Ah..." At the scene of the skinning, there were screams one after another, which made people shudder.

Most shopkeepers lowered their heads, not daring to look.

However, no one dared to cover their ears, so the screams were unstoppable.

After the complete human skin was peeled off, the bloody scene was right in front of us, and there was no need for Wu Sheng to say any more nonsense.

"The big boss said that whoever dares to ruin the reputation of the bank, the big boss dares to skin him, stretch his tendons, and let his wife and daughter be the concubine to pick up the guests. Did you hear clearly?" Wu Sheng said It was very light, and the question was calm and breezy, but the shopkeepers answered unusually loudly.

Wu Sheng nodded in satisfaction, he didn't listen this time, there is always a chance to meet again next time!
As for the peeling thing, if you continue to stick to it, it will always start to work, right?
The whole world belongs to Yuzhu, so are you afraid that the rats will fly to the sky?

In fact, Yuzhu has a lot of industries at hand.

For the corrupt officials found on the pier, Yu Zhu did not take too severe punishment measures.

As long as the compensation is clear for the losses, at most it will be [-] boards, and it will be fine to throw them out.

However, the shopkeepers of the Cosmos Bank Bank have exceptional identities.

For Huitong Tianxia's ticket number, credit always ranks first, and as long as something happens, it's not a trivial matter.

With the deep soil of the human society in the Qing Dynasty, if you don't resolutely use poisonous hands to deter Xiaoxiao, big troubles will happen sooner or later.

You know, the British are a veteran financial country and industrial country.

Even after the British lost their world hegemony, London is still the second largest international financial center in the world.

In the future, with the continuous expansion of trade volume, British banks will sooner or later enter the territory of the Qing Dynasty.

Corruption is rampant, and there is no credit bank. When the time comes, how can they directly compete with foreign banks?
After killing the chickens and scaring the monkeys, Wu Sheng ordered people to bring the tables and chairs, and at the peeling site, according to the roster, each person was given out the red envelopes they deserved one by one.

Among the bank accounts across the country, the Suzhou branch has no bad debts or dead debts, and has made a profit of 250 million taels of silver.

Yu Zhu generously rewarded 25 taels of silver, which is [-]% of Suzhou Semicolon's annual net profit.

The greedy rats were severely punished.

Those who have meritorious service will be rewarded especially heavily.

Distinct rewards and punishments, and the combination of grace and power, is the kingly way!
Hehe, receiving the reward in a prison cell with a strong smell of burnt, this is obviously a unique on-site education meeting!
The big shopkeeper, the second shopkeeper and the third shopkeeper of the government-level branch were all flayed collectively. The deterrent force will always be controlled for a year or so, right?
If someone refuses to accept it, next year, let the executioners continue to demonstrate the skinning technique on the spot!

It turns out that brutal skinning is really, really useful.

In the following 50 years, no one in the universe bank dared to harm the public and private interests.

The matter of skinning became a legend.