Gou writes entries in the Three Kingdoms

Chapter 63 Bad Debt
Huaiyin County, in May, dragonflies touch the water, pond frogs sit on lotuses, and the weather is gradually getting hotter.

At the Huaiyin County Government Office, Zhao Liniang organized the bills one by one and handed them to Jia Xu.

Jia Xu, with his pen at full speed, registered and summarized various figures while picking out some problematic bills.

The tea on the table had gone cold, and Jia Xu didn't even notice.

Over the past month or so, Jia Xu's fat figure has lost a little weight, and the robe on her body looks a bit too big.

Jia Xu wiped the fine sweat on his forehead with his robe sleeves.

Continue to write financial analysis reports energetically.

Since Liu Xuan and Jia Xu went to Shen Fu’s house last month,
After successfully negotiating a deal with Shen Fu, Liu Xuan handed over the loan business to Jia Xu and Zhao Liniang.

As long as the basic ideas and concepts are implemented to them, Liu Xuan believes that Jia Xu and Zhao Liniang should be able to do better than himself.

After all, Liu Xuan's experience in this area mainly comes from later generations, and some parts are actually not consistent with this era.

Therefore, it is best for Jia Xu to make some adjustments and Zhao Liniang to assist in optimization.

With the Shen family's shops all over the country as the foundation, Liu Xuan's bank expanded rapidly.

By the end of May, it had begun to take shape, and it had successfully lent more than [-] million yuan.

It was almost afternoon when Jia Xu and Zhao Liniang finished their financial analysis and came to see Liu Xuan.

"Lord, here are the loan accounts and collection details for May."

Jia Xu handed a bill to Liu Xuan,

"I have summarized all the issues on the last page."

Liu Xuan turned directly to the last page.
After browsing it carefully, he smiled and said,

"Thank you for your hard work, sir. It took more than a month to reach this scale, thanks to your layout."

Jia Xu smiled and shook his head.
"This matter can be accomplished thanks to the fact that the master has sorted out the main process, and Jia Xu only added details."

“Nonetheless, one of the biggest problems remains difficult to solve.”

Liu Xuan asked directly without raising his head: "Bad debt issue?"

Jia Xu said: "Exactly. Although it has only been two months, interest on several loans has not been received on time."

"What's more, the person who sent us out to ask for debts was beaten up and made nonsense of why we should pay back the money we borrowed based on our ability. We will never get back a cent of the principal and interest. "

Liu Xuan was stunned when he heard this. He didn't expect that there was such a thing.
Although it is easy to make money in the business of lending money and earning interest, what you are most afraid of are the people who do not repay the money you borrow.

Especially for people who publicly declare that they will not repay money, once the lender really cannot receive the money,
The consequence is that everyone who borrowed money will not pay back the money.

Finance is a double-edged sword, either you cut people off or they cut you off.

[Notepad opens.]

[In 198 AD, Huaiyin County, you successfully opened up the loan business by integrating Shen Fu's resources.However, some borrowers do not repay the money they borrowed, which seriously threatens your business development. You decide to solve the problem of not repaying the money. 】

[Trigger random tasks: Debts must be repaid]

[Mission details: Crack down on people who borrow money and fail to repay it, and establish prestige. 】

[Task reward: entry*2]

Liu Xuan looked at the notepad in front of him and sneered in his heart,
Take yourself for granted?
This matter is left to Jia Xu to handle. Let’s wait until Jia Xu passes the test.

Liu Xuan asked Jia Xu,

"Why should I pay back the money I borrowed based on my ability? Who said this?"

Jia Xu laughed,
"Who else dares to speak so wildly, besides Yan Xing, a fierce bandit from Jiangdong?" "Yan Xing?"

After Liu Xuan heard this, he opened the financial analysis report and looked at it.
"This Yan Xing borrowed 300 million yuan. How could he borrow so much from a bandit?"

Jia Xu said: "Yan Xing, with the help of his brother Yan Baihu, captured Sheyang County last year, killed the county magistrate and a group of officials, and took charge of Sheyang County Magistrate himself. Yan Xing used Sheyang County as a mortgage, and according to the loan qualification For example, it is legal for him to borrow 300 million yuan.”

Liu Xuan shook his head,
"Although it is compliant according to the qualifications, based on the risk assessment, Yan Xing obviously cannot get such a high quota. I think this quota was personally approved by Mr. Wen He."

Liu Xuan looked at Jia Xu, who had a slight smile on his face as if nothing had happened.

Suddenly his eyes moved,
"Mr. Wenhe has always been very good at making mistakes. Such a simple mistake is definitely not something you can make."

"So, this loan must have a deep meaning, right?"

"Hehehehe," Jia Xu stroked his beard, "Of course this little trick can't be hidden from the lord."

"I specifically approved Yan Xing's loan of 300 million by bypassing the evaluation process. If Yan Xing can repay the principal and interest on time, that will be a good thing."

"If Yan Xing wants to default on his debt, that would be a great blessing."

Liu Xuan understood what Jia Xu meant as soon as he heard it.
"Kill the chicken to warn the monkey?"

Jia Xu nodded in agreement and said,

"That's true, but there's another layer to it."

Liu Xuan was overjoyed and said hurriedly, "Sir, please make it clear."

Jia Xu walked straight to the map on the wall of the conference hall, pointed at the Huaiyin area and said,
"Although Huaiyin County has a unique geographical location, it is still just a county town with too little room for development."

Jia Xu moved his finger down and pointed at Sheyang County south of Huaiyin and continued,
"Since Sheyang County was captured by the bandit Yan Xing last year, no other forces have interfered with it so far. Sheyang is less than three hundred miles away from Huaiyin. Wouldn't it be a pity if the lord doesn't take such a good city?"

Liu Xuan followed the place pointed by Jia Xu and saw Huaiyin heading south, past Baima Lake, to Sheyang County.

As long as we capture Sheyang County, we can own a large area of ​​land north of the Jiangshui River and south of the Huaihe River.

"Wonderful, really wonderful." Liu Xuan high-fived and praised,
"Mr. Wenhe's plan can be said to kill two birds with one stone."

"I wonder what Mr. Wenhe has to do to capture Sheyang?"

Jia Xu shook his head, "There is no clever plan. This attack on Sheyang County will be a frontal attack with great fanfare."

Liu Xuandao: "It is said that the first step is to attack the enemy, the second is to attack the enemy, the second is to attack the army, and the third is to attack the city. Why did you choose the lowest strategy?"

Jia Xu chuckled, "This battle is indeed different. Capturing Sheyang is only the second. The purpose of this battle is to establish the lord's prestige so that people who borrow money will not dare not to pay back."

"Therefore, before the soldiers and horses are moved, propaganda will go first. Lord, I plan to use all lending points to carry out propaganda and spread the news that Yan Xing will not repay the loan and that the Lord is preparing to send troops to conquer."

Liu Xuan nodded in agreement, "Okay, Wen He, you have full authority to take charge of this matter. Everyone, including me, is at your disposal."

Hearing this, Jia Xu put away the smile on his face and bowed solemnly to Liu Xuan,
"My lord is so sincere, Jia Xu will definitely fulfill his mission."

The news spread quickly. Liu Xuan's loan business was originally an extremely novel thing, and most of the other princes scorned it.

Everyone thinks that if such money is lent out, it will be wasted.

Only a fool pays back the money.

Now that Yan Xing is a piece of meat, all the princes are watching Liu Xuan's joke.

At this time, Liu Xuan released the news of the conquest of Yanxing, and all parties became even more interested.

They all turned their attention to Huaiyin and Sheyang counties.

　I'm taking my family on a trip these days. I might update once and then resume two updates when I get home.

　　
　
(End of this chapter)