Gou writes entries in the Three Kingdoms

The waiter smiled bitterly and shook his head.

"No, after nine outs and thirteen returns, plus interest compounding, our boss now has very little money left to pay off the interest."

Zhao Liniang was surprised and said: "Isn't it a waste of time to work for them?"

"Then what can we do? We owe money first. If we don't pay it back, I'm afraid we won't just be in lawsuits. These barbarians are very ruthless in raising debts. How can ordinary people defeat them?"

"This is Xiangyang, the place where Zhou Mu is located. There is such usury lending. Don't the officials care about it?"

"Huh, official?" The waiter sneered and was about to speak when suddenly there was a cough from the side.
"Ahem, if you don't go to the lobby to greet the guests, what are you talking about here?"

The speaker was a middle-aged man, a little chubby, but with a sad look on his face. After scolding the waiter,

He immediately put on a smiling face and said to Liu Xuan and others,
"Several guests, I am Tang Yun, the owner of this restaurant."

When the waiter saw the boss coming, he quickly smiled and said,
"Aren't I aggrieved for the master? I think these guests are not ordinary people, maybe..."

"Okay, I see, you go to work."

Tang Yun waved his hand and sent the waiter away.

Then he said to Liu Xuan and others: "My servants are ignorant and have disturbed you. Please forgive me."

"It's not a bother. It just so happens that we also want to know about these barbarians who are lending money. If Boss Tang doesn't mind, you can tell us. Maybe we can really help you."

Tang Yun's eyelids twitched and he looked up at Liu Xuan. He saw that Liu Xuan had a serious look on his face and didn't look like he was joking.

Tang Yun has been in the restaurant business for more than ten years, so he is naturally good at judging people.

Even the waiter could tell that the people in front of him were not ordinary people. How could he, Tang Yun, not be able to tell that, otherwise he wouldn't have taken the initiative to answer the question.

After calming down, Tang Yun cupped his hand towards Liu Xuan, "Then I'll disturb a few of you."

After that, he said to the waiter who had not gone far: "Go and make some tea soup, and then bring in some fruits."

Then he stretched out his hand to signal Liu Xuan and the others, and led them into a private room next to them.

After a few people sat down, Liu Xuan opened his mouth and said,

"When I mentioned the official family just now, Boss Tang seems to have something to hide, can you elaborate?"

Tang Yun sighed softly and said slowly,

"It's not something unspeakable, it's just that I don't want the guests outside to hear me complaining about the government."

"After all, Uncle Liu's popularity in Jingzhou is well-known. If I complain too much about him, if someone with a heart hears it and accuses me of spreading rumors to slander Uncle Liu, wouldn't I be asking for trouble?"

Liu Xuan frowned, "How could this matter involve Uncle Liu Huang?"

"From your accent, I guess you are not from Jingzhou, and you may not be that familiar with Uncle Liu Huang, but we people in Xiangyang have watched Uncle Liu rise in Jingzhou. To the people of Jingzhou, Uncle Liu Huang is regarded as a virtuous father-in-law."

"It's just that for some reason in the past two years, since Uncle Liu Huang came to Xiangyang to assist Liu Jingsheng and Liu Zhoumu in handling government affairs, there have been many businessmen from the Western Regions gradually added to Jingzhou."

"It was also from then on that I was deceived by the so-called merchant from the Western Regions."

Liu Xuandao: "Even so, the business of merchants in the Western Regions cannot be related to Uncle Liu Huang, right?"

Tang Yun smiled helplessly, "I thought so at first. It wasn't until later that I couldn't repay the debts of merchants in the Western Regions, and was beaten and bullied by the warriors they trained. I reported the matter to the government, and then I realized that it was the same as me. There are not a few businessmen who have encountered this.”

"So we joined forces and submitted the complaint directly to Zhou Mu. Unexpectedly, the result we waited for was that we were unreasonable and lost the lawsuit."

"And then the government issued a notice, clearly stating that the lending business of these Western Region merchants is legal and compliant, and it is only natural to pay back debts. The government will not accept our appeal. On the contrary, if we do not pay back the money we owe, we will have to eat lawsuit."

After Zhao Liniang heard this, she said angrily: "How could such a thing happen? Isn't this just allowing these barbarians to exploit the Han people? You also said that Liu Bei is diligent in government and loves the people. Is this how he loves the people?"

Lu Bu smiled disdainfully, "Hey, it's just for fame and reputation. When I was in Xuzhou, I..."

At this point, Lu Bu suddenly felt a glare coming towards him. When he looked up, he saw Liu Xuan winking at him, and quickly changed his words: "I heard someone say something wrong with him."

They came here in disguise, and their identities were just ordinary businessmen. If Lu Bu suddenly said that he had fought with Liu Bei in Xuzhou, how could the restaurant owner dare to speak.

Fortunately, Tang Yun was preoccupied and didn't hear anything. He just shook his head bitterly.

"In the final analysis, Uncle Liu cannot be blamed for this. Usury has been around since ancient times. The government neither supports nor opposes it. I borrowed the money on my own initiative and no one forced me."

When Liu Xuan heard what Tang Yun said, he knew that people in this era were still too naive.

Loan sharks have many ways of forcing you to borrow money.

There are also violent debt collection methods that are "legal and compliant".

According to what Tang Yun said, there are many businessmen in Xiangyang City alone who have fallen into their lending trap.

However, it was useless for these businessmen to unite and submit a complaint. Instead, they forced the government to directly issue a notice endorsing usury.
Then Liu Xuanneng concluded that the officials and these loan sharks were obviously colluding.

For a moment, Liu Xuan remembered that scene again.

On the wall of Xuchang City, Liu Bei was accompanied by a barbarian, and they seemed to be quite familiar with each other.

If this is the case, then a businessman like Tang Yun will probably end up bankrupt or even destroyed.

After a pause, Liu Xuan asked again: "I heard that there is a Shen Family Bank in Xiangyang City? They are also engaged in lending business, and the interest rates are very reasonable. Why didn't Boss Tang borrow from them? Instead, he borrowed money from foreigners at usurious rates. ?”

"Hey, I can only say that I was blind and mistakenly trusted that businessman from the Western Regions. If I really borrowed money from the Shen Family Bank, it wouldn't be such a big deal."

Tang Yun patted his thigh with regret on his face and said, "After the barbarians came to collect debts, it's not that I haven't contacted Shen Family Bank, but Shen Family Bank's evaluation of the lending business is very strict. People like us can pay off our debts quickly. Those who cannot afford it are excluded from the qualifications by the Shen Family Bank."

Liu Xuan sighed secretly, and then remembered that when he was engaged in the lending business, he had personally formulated the risk assessment plan.

The purpose is naturally to reduce the bad debt rate. After all, there is no credit system in this era.

And it is impossible for the Shen Family Bank to violently collect debts.

After understanding the ins and outs of the matter, nearly half an hour had passed. Liu Xuan smiled and said,
"I feel really sorry for disturbing Boss Tang for so long."

"But I think Boss Tang is also an honest man. I would feel bad if I watched you being bullied by the barbarians and remained indifferent."

"It just so happens that I have some friendship with the boss of the Shen Family Bank. In this way, I will write a letter to them for you. I will be your guarantee. You can go to the Shen Family Bank to borrow some money and repay the foreigners' usurious loans. Do you want to How about the next one?"

When Tang Yun heard that he could get a loan from the Shen Family Bank, his eyes suddenly brightened.

"Sir, are you serious about what you said? If you can, you will be my savior, Tang Yun."

"Haha, I can't even talk about my benefactor. I still have to pay back the money I borrowed from the Shen family bank." Liu Xuan said with a smile.Tang Yun hurriedly said: "That's natural. If I use the loan interest rate of Shen Family Bank, as long as I run this restaurant well, I can pay it off in less than two years."

"Well, very good," Liu Xuan turned to Zhao Liniang and said, "Liniang, go write a letter."

"Oh, by the way, Boss Tang also provided us with a lot of information today. We can't accept his benefits in vain. Let's ask Shen Family Bank to reduce the interest for half a year to Boss Tang. They should give it this face."

Zhao Liniang held back her smile and responded softly: "Yes, Young Master."

After finishing these things, Liu Xuan and the others were ready to leave.

Before leaving, Liu Xuan asked Tang Yundao,
"Oh, by the way, boss, do these loan sharks have a base in Xiangyang City?"

"Of course there is," Tang Yun said. "There is a place called Yousi Chamber of Commerce next to the state capital. That is their headquarters."

After several people left the restaurant, Zhao Liniang said, "Sir, where are we going next?"

Liu Xuan raised his chin forward, "Now that I know the headquarters of these barbarians, I naturally want to find out. Let's go to the Yousi Chamber of Commerce."

In the center of Xiangyang City, on the main street not far from the state capital, Liu Xuan saw the signboard of the Hairspring Chamber of Commerce from afar.

The signboard is written in Xiaozhuan, but there is a row of strange words above the Xiaozhuan font.

Liu Xuan looked closely and saw that it was written in ancient Hebrew, which also meant the Hairspring Chamber of Commerce.

These Yousi people are so arrogant that they set up a chamber of commerce outside the state capital. The main font on the signboard is not Chinese characters.

This shows that these Yousi people have no respect for the big man in their hearts.

Thinking of what they did in the restaurant, Liu Xuan hated them even more.

But now that he had something to do, Liu Xuan did not have an attack.

Everyone originally thought that the Gossamer Chamber of Commerce was just one building, but they found out when they got to the place.

This Gossamer Chamber of Commerce is actually an entire building, and the entire area of ​​several hundred meters along the main street has been bought by them.

Most of the people coming in and out were of barbarian appearance. Obviously, these were the so-called Yousi people.

"Welcome to the Gossamer Chamber of Commerce. Dear guests, I wonder what our Gossamer Chamber of Commerce can do for you?"

As soon as he entered the door, a middle-aged Yousi man came over with a professional smile.

The Chinese he speaks is quite standard.

"We are businessmen from Yuzhou. I heard that you can borrow money for emergencies, so we came to take a look."

Liu Xuan walked and looked around with his hands behind his back. The interior decoration of this chamber of commerce was extremely luxurious, giving people a feeling of being quite wealthy.

When the middle-aged Yousi man heard about the loan, the smile on his face became even brighter.

"Haha, you guys have come to the right place. We Yousi people set up this chamber of commerce just to solve problems for people in need."

While talking, Liu Xuan and others had been led to the tea room in the back. After inviting everyone to sit down, the middle-aged Yousi said, "My name is Yu Tan, and I am the shopkeeper here. I wonder how much money do you want to borrow, sir?"

Liu Xuan raised his neck and asked with a haughty expression: "How much can you borrow?"

Youtan looked at Liu Xuan again, observed the other three people, and replied,

"Within 500 million yuan, I can make the decision."

"Only 500 million dollars? What use can it do?" Liu Xuan clapped his hands on the case in front of him with disdain, looking disappointed.
"Let's go and ask elsewhere."

"Hey, sir, don't leave in a hurry." Upon seeing this, Yu Tan quickly stopped Liu Xuandao,

"I'm just saying that if I make the decision, it's fine within 500 million. If you borrow more, sir, I will ask the president for instructions."

Liu Xuandao, "Then just go and ask your boss to come over, so as not to waste my time."

The more Liu Xuan looked like this, the brighter the smile on Yutan's face became. He didn't mind Liu Xuan's disdain at all.
He smiled and asked, "Of course you can, but let me ask you, sir, what you want to borrow money for, and how much you need to borrow, so I can ask our president for instructions."

Liu Xuan lowered his voice and said: "We came here to buy salt on the black market in Bazhong. We happened to encounter a large batch of well salt that they had newly collected. We wanted to take this opportunity to buy it all at once, so there was a gap in funds. As for how much loan we need, , Two to thirty million is definitely not enough, fifty to sixty million is about the same.”

It turned out to be a smuggled salt business, no wonder he was so arrogant.

After hearing this, Yutan couldn't help but lick his lips. As the shopkeeper of this chamber of commerce, Yutan knew something about the big man's business.

During this era, salt and iron were one of the goods most strictly controlled by the government. Because of the large demand and high profits, it was a major source of government taxes.

Therefore, the profits from selling private salt and iron are extremely huge. Liu Xuan's statement that tens of millions of dollars are needed to purchase goods is also consistent with reality.

A business of tens of millions is considered big business even for their entire Hairspring Chamber of Commerce.

After all, they are lending money at high interest rates. Although they will use some tricks in the contract in the early stage to make it difficult for people to see the loopholes,

But in this era, there are still only a few people who dare to pay.

Thinking of this, Youtan immediately gave Liu Xuan a solemn salute, "Those guys, sit down for a moment, and I will go ask the president for instructions."

After a while, Yutan led a person in quickly.

Liu Xuan glanced at it, his pupils condensed,
Sure enough, the president Yutan mentioned was the barbarian who was beside Liu Bei during the Battle of Xuchang.

Naturally, Lu Bu and Diao Chan didn't recognize this foreigner. Zhao Liniang was in Huaiyin at that time and had never seen him before, so their expressions didn't look strange.

When Liu Xuan saw the foreigner approaching, his expression quickly returned to his face and he pretended not to recognize him.

"This is Moss, the president of the Gossamer Chamber of Commerce."

The new man spoke somewhat broken Chinese, "I heard from Yu Tan that several of the guests are big business people and the amount of loans they need to borrow is not small. Our Hairspring Chamber of Commerce will cherish this opportunity to cooperate with you."

Moss said in an official tone, "But before we talk about the loan, please allow me to explain the loan conditions."

"Our Gossamer Chamber of Commerce is a serious and legal chamber of commerce, and our lending business is approved by the State Shepherd, so if you want a loan, you need collateral."

"The amount of the loan you want is so huge. I wonder if there is any collateral of corresponding value?"

Liu Xuandao: "Of course I understand this, but we are from Yuzhou, and the real estate and goods are all in Xuchang, so I'm afraid we can't mortgage it."

"However, I wonder if I can get a loan of 5000 million for this treasure?"

As Liu Xuan spoke, he slowly reached into his arms and summoned an object with a thought.
Pass it to Moss's eyes,
"This treasure is the seal of the Emperor of Han Dynasty. I got it by chance. It is extremely valuable. Can it be used as collateral?" (End of Chapter)