Gou writes entries in the Three Kingdoms

Chapter 62 Lending
Liu Xuan understood Lu Bu's behavior immediately.

I dare not have enough money, so no wonder I have to take action myself.

"When buying grain, we always pay it in full. However, if General Lu is in trouble, he can pay part of it first."

Lu Bu was overjoyed when he heard this.

"Haha, I knew Brother Liu was a cheerful person."

"To be honest, Lu Bu is in urgent need of military rations this time. Xuzhou's taxes this year have not been collected yet, and he has to spend money to buy horses and weapons. If Liu Bei hadn't bullied me too much, I wouldn't have been so anxious."

Liu Xuan smiled lightly and said: "I heard about Liu Bei's last sneak attack on General Lu. It was just a fluke. General Lu will not let Liu Bei's tricks succeed if we fight again this time."

Lu Bu slapped his thigh, as if he was meeting a close friend.

"Exactly. That's why Lu Bu is unwilling to give up. This time when I raise military supplies and prepare for war, I will fight until Shouchun to avenge the shame."

"How much money did General Lu bring to buy 50 kilograms of grain this time?" Liu Xuan returned to the topic.

Lu Bu sniffed and stretched out two fingers with a slightly embarrassed look on his face.

The muscles on Liu Xuan's face twitched, "20?"

Lu Bu shook his head and touched the back of his head.
"Ahem, twenty thousand!"

"I~"

Liu Xuan almost choked on a mouthful of tea.

Lu Bu, you are so brave!
I dare to buy military rations with 2 yuan.

Why do they want to buy 50 catties?
Liu Xuan was almost moved to tears by Lu Bu.

He really makes people cry to death.

Obviously you can rob it directly, but you have to pay 2 yuan.

Liu Xuan didn't know how to answer for a while.

Lu Bu said with a smile: "I also know that this request is a bit excessive, but Magistrate Liu, don't worry, as soon as the autumn harvest comes and my taxes come in, I will definitely pay back the money in full."

"Don't you still believe me, brother?"

Liu Xuan's mouth twitched, but he couldn't help Lu Bu's face, so he could only say,

"General Lu is a lifelong hero. Of course I believe in the general, but..."

Liu Xuan said and winked at Zhao Liniang.

Zhao Liniang understood and said with a smile,

"General, what my lord means is that it is not impossible for the general to buy the grain first and pay later. We have precedents in Huaiyin County before. However, we have to calculate interest on credit accounts on a monthly basis."

"My lord wants to make it easier for the general by waiving interest, but he is afraid that by setting a precedent, he will no longer be able to trade grain in the future, so he is in a dilemma."

"Interest?" Lu Bu was still a little unfamiliar with this term, so he asked,
"Then how is this interest calculated?"

Zhao Liniang said: "General, don't worry, the monthly interest for a hundred dollars is only one dollar."

"The general spent 120 million to buy grain, which means the monthly interest is only [-] yuan. Is this price fair?"

"Fair, haha, very fair."

Lu Bu calculated in his mind that by the autumn harvest, the interest would only be [-] to [-] yuan.

Liu Xuan waved his hand,

"Hey, General Lu is here to negotiate in person. We have to give you a good discount no matter what. The monthly interest of 120 million can be considered as [-]."

Lu Bu was overjoyed, stood up and saluted Liu Xuan, clasping his fists and saying,
"County Magistrate Liu is righteous. I, Lu Bu, really saw the right person. Hahahaha, Magistrate Liu, don't worry. Xuzhou and Huaihe are closely related to each other. From now on, if you have something to do in Huaiyin, I will have something to do in Xuzhou. If you need anything, brother, just ask."

"Come here!" Lu Bu shouted toward the door.
I saw two guards coming in carrying a box.

"Mr. Liu, here is [-] yuan, which will be used as interest for the first two months."

Liu Xuan nodded and smiled,
"Okay, I will arrange for someone to load food for General Lu."

"Very good, very good." Lu Bu didn't expect that this trip would actually lead to a business deal, and he couldn't help but admire his own charm.

Unconsciously, I straightened my back and my face looked much better than when I arrived.After loading the grain into the truck, Lu Bu was in a hurry to return to Xuzhou, and Liu Xuan didn't stay long.

"General, go slowly. If there are any difficulties with food in the future, just come to Huaiyin and take care of it."

Zhao Liniang next to her also smiled and added: "In addition to food, if you have financial difficulties, we in Huaiyin can also take loans, and the interest will be the same."

Lu Bu was overjoyed when he heard this.

"Okay, thank you."

After Lu Bu's grain transport team had gone far away, Jia Xu stepped forward.

He stroked his beard and said with a smile,
"Lu Bu is already under the control of the lord and can never escape."

Liu Xuan waved his hand,
"Hey, it's just more than 100 million yuan, how can I control Lu Bu so easily. When Lu Bu returns the money after the autumn harvest, I will have nothing to do with him."

Jia Xu shook his head and sighed softly,
"The easier it is to obtain something, the greater the price it requires. Lu Bu will soon understand."

Zhao Liniang also said:

"The next time you get credit, you have to mortgage it."

Liu Xuan looked at Lu Bu's retreating motorcade and raised the corners of his mouth slightly.

Jia Xu is right, how can something that can be obtained so easily be without price?

What's more, war is a bottomless pit. Although Lu Bu still has strength, it is still impossible to suppress Liu Bei in the short term.

This war may be protracted and consume countless amounts of money and food.

Lu Bu, will come again.

Jia Xu has not been following Liu Xuan for a long time, but he has been completely impressed by Liu Xuan's series of coquettish moves.

Especially this idea of ​​lending is an extremely advanced concept.

But once it is done, money will continue to flow in in the future.

And Liu Xuan's next operation made Jia Xu even more speechless.

Liu Xuan wanted to expand the lending business to private merchants.

According to Liu Xuan, it is called a small loan, and even small traders can get money from Liu Xuan.

But it only requires collateral.Real estate, land, and so on.

Moreover, Liu Xuan and Zhao Liniang also developed an evaluation system.

How much money a person can borrow has a corresponding assessment.

A wealthy family like Qin Li and Li Lin could easily borrow millions of dollars, and the interest rates were lower than those of small traders.

Of the more than 6 million Liu Xuan copied from Yuan Shu, nearly [-] million have been released.

According to the interest rate of 100%, Liu Xuan can earn [-] million in just one month's interest.

However, currently, the amount of loans that can be extended around Huaiyin County has reached its limit.

Liu Xuan had [-] million in unprofitable money stored in his warehouse. He was so anxious that he scratched his head and had no choice but to ask Jia Xu for advice.

Jia Xu pondered for a moment and said to Liu Xuande,
"My lord, do you still remember your cooperation with Qin Taigong?"

Liu Xuandao said: "The farmland and silk weaving industry of Qin Taigong's family have all been merged into the government. I'm afraid it's useless to approach him for lending."

"Haha, Huaiyin County is more than just Qin Taigong's family?"

Jia Xu said, "There are three great families in Huaiyin. Qin Taigong has connections in the officialdom. Shen Fu is a merchant family. The Shen family's business covers the entire Central Plains. Li Lin is quite prestigious in the army. These people are now interested in clinging to the lord. If the lord doesn't use it, Isn’t it a pity?”

After listening to Jia Xu's words, Liu Xuan suddenly felt enlightened.

"That's right, if Qin Taigong can't use it, isn't there Shen Fu? The Shen family runs freight and shops, and their business even extends to Japan and the grasslands. Wouldn't it be perfect to use Shen Fu's shell to do the loan business?"

Liu Xuan patted Jia Xu on the shoulder, "Haha~ Sir, your words have saved me tens of millions. Come on, come with me to the Shen family."

(End of this chapter)