Jinyi champion

Sun Jiao stayed at home with Zhu Hao and his wife for dinner that night, and at the same time sent someone to call back their two sons, Sun Yuan and Sun Jing.

In the past, the grandson was very picky about Zhu Hao, but now that Zhu Hao and his family eat at the same table, the two sons are not pleasing to the eye.

Really more popular than dead people.

Looking at others, at a young age, he was already compiled by the Imperial Academy, and won the trust of the emperor. It was only a matter of time before he joined the cabinet or even served as the chief assistant.

Look at the two sons again, they can't do anything!
On the way, Sun Yuan and Sun Jing only talked to Zhu Hao in the tone of family members. After all, their younger sister was also at the dinner table. As elder brothers, they were embarrassed to discuss with Zhu Hao about the affairs of the court.

Sun Jiao was basically silent.

It was not until the end of the dinner that Zhu Hao wanted to take Sun Lan away that Sun Jiao had the heart to remind his two sons: "If you have time, discuss with Jingdao more. He has unique insights on court affairs. If you want to make a difference in the court ,Should……"

Sun Jiao originally wanted to say that he should flatter Zhu Hao more, as long as he supports you, he will benefit you for the rest of his life, but after thinking about it, his two sons and one daughter are all in front of him, so saying that would be a suspicion of spoiling his own prestige. , I still have to take care of my children's thoughts, and only speak half of the words.

Relatively speaking, Sun Jing talked more, and he was only a supervising student, not even a juren, so he was relatively relaxed, and said with a smile: "My lord father, your teachings are very reasonable, and I will definitely teach you more in the future." Brother-in-law is discussing the affairs of the court, elder brother... he and Jing Dao are colleagues, it is convenient to talk, but it is a pity that it is very inconvenient for my son to go."

Sun Jiao glared at Sun Jing viciously: "Don't make excuses for your laziness, you haven't been tested in school recently, so I don't know how your studies are doing now."

Sun Jingle laughed and said, "Then let the elder brother or brother-in-law come to test me. You are younger than me, but your knowledge and future are much better than mine. You must teach me a lot in the future..."

Zhu Hao took Sun Lan home.

That night Zhu Hao had already agreed with Zhu Si in advance that he would take a day off and not go back to review the memorials.

The batch was completed after staying up all night last night, and now Zhu Hao wants to take a good rest.

Sun Lan felt that there was a lack of silent crying between the husband and wife, and even if she was not mentally prepared for Yuan Cheng's last step, she still had to do something to reflect Zhu Hao's status as the head of the family.

"My concubine asks Chun Yu to boil some hot water." Seeing Zhu Hao returning home together, Sun Lan seemed to intend to stay overnight, and was very happy... In fact, she also felt that it was good for the two of them to find time to complete the last step, after all As a couple, they have been married for almost a year.

Zhu Hao smiled and said, "I still have things to do, there is no rush."

Sun Lan nodded, not feeling that strange.

After all, in the past when Zhu Hao came to the house, he basically didn't stay overnight. Today, he rarely came back to sleep. He obviously regarded this place as his home, which indicated that the relationship between the two had improved significantly.

Zhu Hao said: "I didn't have a good chat with you after I came back... Madame, are you okay?"

"Um."

Sun Lan knew that Zhu Hao was asking about Lou Suzhen's situation.

This question is a pun, and it is for Lou Suzhen, but it is actually a question for herself, because she and Lou Suzhen have been firmly bound together since no one knows when.

Lou Suzhen is fine, she is fine.

After all, they usually live and work together.

"It's good. You have a companion for each other. I seldom come back, because the court affairs are too busy and I can't let go." Zhu Hao shook his head and said, "It may be a few days before the year, but it still has to wait. In the few days at the end of the year, I will take you out for a walk more often."

"no need."

Sun Lan seemed very assertive, "If your husband is really busy, you don't have to worry about my concubine, I can take care of myself."

"Um."

It's rare that Sun Lan is a woman who pursues independence, which is actually quite good, Zhu Hao doesn't have to worry about family matters, especially Zhu Hao himself is not easy to figure out how to get along with women.

"But my lord, if you know

Please tell my concubine about Mr. Tang's recent situation, Madam's side... I am very concerned about these things recently. "

Sun Lan took the initiative to make a request.

Zhu Hao thought to himself, why did he go so early?

Now that Tang Yin went to Xuanda to lead the army and did not return for a long time, Lou Suzhen began to miss him?

Settle the matter early, perhaps as a family member of the army, or hide in the team and go to the northwest, as long as it is not announced to the outside world, no one will know.

Start playing long-distance relationship now?
Spirit level?

Plato?
"Mr. is in charge of Xuanda's military and political power, and it is still in the process of handing over. The affairs of the Northwest cannot be explained clearly in a few sentences. The handover of military affairs is the most cumbersome...especially now that the Northwest is controlled by Peng Shangshu of the Ministry of War. It is just a general position. , involves too many conflicts of interest.”

Zhu Hao patiently explained to Sun Lan.

But it's actually more like a soup talk.

Just tell Sun Lan that the matter in the Northwest is not that simple, and Tang Yin won't come back for a while, anyway, after you understand, just tell Lou Suzhen like this.

"Also, ask me, what is Madam's mentality? Now that they are not too young, why do they still have to do things that are hard to part with but hard-hearted at the moment? Sigh! It's really hard to understand !"

Zhu Hao said these words in front of Sun Lan as if he was gossiping with his friends.

Sun Lan was very curious about Zhu Hao's tone of voice.

Think again.

Xianggong still has the heart to talk about others?

Don't you do the same?
But after thinking about it carefully, Tang Yin and Lou Suzhen have a relationship foundation, but because of some past events, and Tang Yin's inaction, so that until now no good things have come true.

But what's the difference between her and Zhu Hao?

Always still different.

Zhu Hao didn't stay at home that night, but went to inspect the business, especially the bank accounts.

Shopkeeper Ma received him warmly, and handed Zhu Hao the sorted out account books, which were clearly marked, indicating how much deposits the bank received this year, how much money was released, and what the collateral was... In this era, there is nothing to say Credit loans require collateral.

If there is no mortgage, even if the Heavenly King Lao Tzu comes, he will not give money.

This bank is more like a large pawn shop, accepting everything that can be pledged, from small pieces to large farms, dead things can be pawned, and even living people can be used as collateral...

After reading the accounts, Zhu Hao knew that the bank had just opened, and there were various ways of doing business. He really regarded himself as a large pawn shop.

Pointing at the ledger, Zhu Hao frowned and asked, "What does this mean? Why can even decent and good families be used as a bond in exchange for silver? Do you know that doing so violates the law of the Ming Dynasty?"

Shopkeeper Ma said: "Boss, everyone else is doing this... It is the norm nowadays to put people in bondage, pay off their debts, and serve as slaves and maidservants. Especially for ordinary merchants, they don't have much wealth, and they can afford money." What decent things can be exchanged for silver?"

"Then can't you leave the money?"

Zhu Hao asked with a straight face.

"If you don't put money, you can't earn money. In fact, it's... alas! How should I put it, if you can't pay it back, Huizhou merchants will find someone to solve the problem."

What the shopkeeper Ma said was a righteous one.

To put it bluntly, it is to turn a reasonable bank business into a usury.

Zhu Hao thought to himself, when he was away from the capital for a few months, there really was a commotion.

Although from a certain point of view, the bank is an empty-handed white wolf's behavior, charging the difference in interest rates from customers, don't think about low interest rates or high interest rates, how high is high?Since the bank makes money by the price difference between one entry and one exit, it is not qualified to draw a line with usury.

However, Zhu Hao still felt the worry that he would do anything to make money, change the rules in order to get merchants to borrow money, and introduce some gray area things.

As a result of doing so, it is true that the money can be quickly loaned out to earn money, but it violates Zhu Hao's design.
The original intention of Liyinhao.

If the bank account only exists to make money, then Zhu Hao can just ask for money to lend usury, which saves time and effort. Why does it need to be so large and formal?

It is because Zhu Hao knows the importance of the financial industry in market operations.

Although the financial industry itself does not generate direct social value, it brings convenience to the prosperity of commerce and trade through turnover. When capital enters the market, the commodity economy can develop at a high speed, and the commodity economy promotes benefits. If there are benefits, some people want to develop technology. In pursuit of higher interests, the progress of science and technology will bring about the progress of the times.

This is why there has been commodity trade in China for thousands of years, but it has always been in the state of "emerging capitalism". The reason is that the agricultural society is closed and conservative, and some potential things that can promote technological progress are suppressed, so that society has always been In an agricultural society, we were stagnant, and we were forced to change only when foreign guns opened our doors.

But at that time, it was already a toddler in Handan, and it was difficult to do anything.

What Zhu Hao wants to do is to be a pioneer in this world.

Zhu Hao said: "Set the rules first, even if you want to accept the pledge in the future, you must comply with the Ming Dynasty's laws. No matter what other lenders do, we stand on the bright side and are stared at by the court, so we can't make any deviations. "

"Yes."

Although shopkeeper Ma felt that Zhu Hao was overkill, he still had to obey.

After all, even Su Xigui didn't count on this business, and only Zhu Hao was the real talker.

"Give me the account of the cloth and other items that were issued earlier."

Zhu Hao waved his hand and continued to check the accounts.

"Boss, so far this year, the business itself has earned 7 to [-] taels of silver. If these things were transported to various places and sold instead of being used as military supplies, they should have earned more...Now there are people imitating that kind of weaving. Machines, but they can't do it, someone wants to directly plagiarize our technology... People have been caught, how do you think about it?"

With technology driving productivity, there will naturally be people who imitate and improve.

Originally, Zhu Hao should not cherish his own broom, but should share his technology.

But it hasn't reached the point where Zhu Hao leaked the technology. After all, he still expects to use it to make money and maintain his business empire.

"Those caught will be turned over to the government."

Zhu Hao said bluntly, "Don't give face to people who cheat on others, and of course don't use lynching, just hand it over to the judiciary. Everything should be handled according to the rules. Stealing technology is also a thief. Since you are a thief, you should be taught a lesson."