Compete for the Song Dynasty

At the county magistrate's banquet, Wang Pang admired Qin Guan very much and wanted to make him a student of his father Wang Anshi, but how did he know that Qin Guan admired Su Shi's knowledge very much.A gentleman has the beauty of an adult, Wang Pang smiled and said to Su Xiaomei: "This matter, you should handle it."

Hearing what Wang Pang said, the county magistrate Xu Liang and Qin Guan both turned their attention to Su Xiaomei. Wang Pang explained: "My wife is Su Shi's younger sister. When I have a chance to meet Brother Su, I will definitely mention Qin Shaoyou's intention of apprenticeship." Qin Overjoyed after watching, Xu Liang clapped his hands and praised Wang Pang and Su Xiaomei as a pair of talented men and beautiful women.

After the banquet, Xu Liang invited Wang Pang to sit in the study. There were only two people left in the study, Xu Liang and Wang Pang. There is something I want to ask Zhennan Wang for help."

Wang Pang smiled: "Magistrate Xu, please tell me something." I thought to myself, I knew you had something to say.

Xu Liang said: "To tell you the truth, I was originally a businessman from the capital generation, but compared to you, what I do is small business. By the way, I am a frequent visitor of your Jinxiu Building~"

At this time, Wang Pang smiled slightly, and Xu Liang continued: "My lord, now I know that there is a big deal, but I can't handle it. I thought about it for a long time, and only you, my lord, can do it." This issue."

This county magistrate is quite good at finding people. If Wang Pang can't do something, Wang Pang believes that most people can't do it either. "Tell me and listen."

County magistrate Xu cleared his throat: "Ahem, this is how it happened. In the past, the imperial court would allocate funds for the sacrifices in the southern suburbs of the royal family, and the gardens and trees built by the imperial court would not fall to outsiders. However, by chance, we met Gao Wangye, who is in charge of this matter. Gao Wangye thinks highly of me, and said that he will allocate a share of this work to his servants. But you also know that these are all matters of construction first and payment later. We can’t compare with others, we can’t afford it in advance.”

Wang listened beside him, picked up the teacup on the table, and sipped lightly.It seemed that he was listening to Xu Liang's talk, but he thought in his heart.It is indeed a big business to be able to receive projects from the imperial court, and they are all extremely profitable.If we can start with Xu Liang and give loans to those who can receive the project, it will be good for the operation of the bank.There is also a word for this in modern times, it is called "government" procurement, and everyone knows that it is a fast food.Don't talk about others, just talk about Wang's former tea farm and his Jinxiang mansion.These are all relying on the procurement of the imperial court, which allowed him to make his first pot of gold.

He waited for Xu Liang to finish speaking, then put down the teacup in his hand: "Magistrate Xu, you said that it is indeed a good business, but since it is the business of Prince Gao, it is not appropriate for me to help you."

Xu Liang smiled: "My lord, from what you said, this matter needs to be the turnover of silver taels for me. What is it called for you? You run a bank. I heard that you need hundreds of dollars to go south. The money for Wanliang was raised quickly, not to mention that if I want to use this little money, it is just a drop in the bucket for you."

Wang Pang thought to himself, I said why this guy is so polite, so he was holding back to borrow money.He chuckled: "This matter is not difficult at all, but who is the prince you are talking about, does he have a certificate for entrusting you with the repair of the sacrificial garden? Moreover, I borrowed money but mortgaged my The title, and I have a guarantee from the imperial court. If County Magistrate Xu wants to borrow money, does he have to go through a formality?"

County Magistrate Xu laughed awkwardly: "My lord, the high prince I'm talking about is the nephew of Empress Gao, named Gao Gonghui. This high prince is in the capital. There is an imperial order from him, ordering him to be in charge of this matter." However, how could this decree come into my hands. I also spent a lot of money to leave the relationship, so Prince Gao agreed to entrust me with the repair of the garden during next year's sacrifice. This job is a big project, so the emperor said Sixty or seventy craftsmen are required to make one utensil to be used. So, don’t you have to prepare in advance? If you can be flexible, then I will take this job. But I have nothing to mortgage to you. The nine-rank Zhima county magistrate, even if it is mortgaged to you, you don’t like it! Since you said that you need to go through a formality, why don’t you write a prescription to show the next official the way.”

This guy's brains for making money are quite clever. Wang Pang also saw royal sacrifices when he was in the capital. The scene was so big and used so much, it would cost the court a lot of money, not to mention that there must be a lot of oil and water in it. .If this matter had been changed a few years ago, Wang Pang would definitely have used his brain to ponder over it, but now his thinking has really changed.It's not that things can't be done, but it depends on how to do it, not to mention that Wang Pang began to consider doing it in a way that is more beneficial to the Song Dynasty.

He has also heard of the name Gao Gonghui.There are many relatives of the emperor, large and small, in the capital. These people hang their titles and salaries, and some find ways to rely on the court to make a fortune, and each earns a lot of money.If this road is blocked for them, it will definitely violate their interests, and it will be difficult to do things in the future.Wang Pang pondered for a while and said: "This matter is not difficult, you can mortgage your mansion and land. Since Gao Wangye has the court's will in his hand, let Gao Wangye guarantee you, you Sign a contract with Lord Gao, which states which job you are contracting for and how much silver taels you will earn from the project. Then you write another application, stating how much silver taels you will use and how long it will take. Finally, you will sign the contract, guarantee Give me the book and your application."

Xu Liang's head got dizzy when he heard this: "My lord, do you need so many procedures?"

"Of course! You have to know that although I opened the bank, it is under the supervision of the imperial court. The third secretary Cai Xueshi is the supervisory censor hand-picked by the imperial court, so there must be no mistakes in the money lent by the bank." Wang Pangban Said with a straight face.

Xu Liang gritted his teeth and said, "Okay, then I'll do it, but borrow money from the bank, the interest...?"

"The bank's door is open. Anyone who has the ability to pay back wants to do something. I will definitely support it. The interest is 5.00% per annum. The interest must be repaid on a monthly basis during the loan period, otherwise I will give you a bad credit record."

Xu Liang was overjoyed when he heard 5.00% first, and he also inquired everywhere that private lending banks charge [-]% profit when they release money, which is [-]% in the drama.The interest of the bank next to the king is half that of the private loan interest. Although the procedures are a bit more troublesome, if you plan carefully, you will have a lot of expenses.But he was also confused: "Bad credit? Is there a distinction between good people and bad people?"

Wang Pang laughed secretly, do you think you are Rou'er, and the maid is a concubine?There are good people and bad people.He smiled and said: "This time you use the turnover period to repay the interest on time, and settle the settlement on time when it expires. The bank will lend you the next time. If you don't do it, not only will the collateral no longer belong to you, but if you want to borrow money in the future, you will definitely It won't work."

This time Xu Liang understood it, and he echoed repeatedly: "Yes, yes, yes, it's not difficult to borrow again!"

Wang Pang didn't care how Xu Liang went to talk to Gao Gonghui. Instead, he used Xu Liang's money to smooth the lending process again.Wang Pang returned to his residence and wrote a letter to Cai Xiang, explaining the idea of ​​lending and the implementation steps. At the end of the letter, it was mentioned that the imperial court water transportation was specially used for business purposes, and the third envoy of the housing loan needed to review it as appropriate, so that Wang Pang is equivalent to double insurance for the money that is about to be released.

After Wang Pang finished writing the letter and put down his pen, he was about to send it to the capital. When he looked up, he saw Su Xiaomei sitting opposite him, looking at the candle with her chin in one hand.Seeing her frowning slightly, she seemed to be thinking about something. [

"What's wrong? Did you feel tired all the way?" Wang Bang asked with concern.

Su Xiaomei shook her head: "Husband, I heard that Yongzhou is located in a remote place with poor mountains and bad waters. Although the imperial court appointed you to be the king of Zhennan, but did not send troops, how can you guard it? Also, we are here to develop Yongzhou brought a lot of silver taels, I'm afraid..."

Wang Pang patiently listened to what the little girl said, and when she heard her say that she was afraid, Wang Pang asked with a smile, "Are you afraid of robbers?"

Su Xiaomei shook her head again: "You have martial arts on your body, and you have expert guards. Robbers are second. I'm afraid you won't be able to spend the money there."

Wang Pang set off from the capital this time, and the time was relatively tight; the bank raised money, and he was even more happy that he could flex his muscles.Hearing what the younger sister said, Wang Pang thought to himself, although the younger sister is a girl, she is also very considerate, maybe there is something he didn't think of, so he asked: "Tell me, is it true that the flowers don't go out?" What's the meaning?"

Su Xiaomei sat up straight, looked at Wang Pang and said, "The last time we went to Shaoguan, when we arrived in Guangnan, I found that although Shaozhou is the first county in Guangnan, it is far from the prosperity of Tokyo. You and On the day Zhao Xu went to Nanshan Temple, Xiang’er and I also went to the streets, and the things that can be bought in the capital are rarely seen in Shaozhou. I thought, that Yongzhou is not the first county of Guangnan East Road, It’s a remote place, and I’m afraid it would be difficult to buy anything there, so I thought that even if I brought money, it might not be able to spend it.”

Circulation!She was talking about the circulation of materials.What this girl said was very reasonable, Wang Pang secretly thought that with this little girl Su by his side, she would be able to think of these things to remind him, it would be a good helper.He stood up, walked to the little sister, put his arms around the little girl's shoulders and said: "My lady reminded you to remind me more in the future. I have also thought of what you said. One is the circulation of this material." , The second is the problem of carrying silver. This is why I went to Yangzhou this time, just to open up another shipping line. At the same time, Yangzhou, Jingcheng and Yongzhou are the three points as the basis. In the future, the bank will cover all the prefectures of the Song Dynasty At that time, we can settle online and borrow from each other. This is why I went to Yangzhou this time. As for how to spend the money after arriving in Yongzhou, I have already thought about it. When we arrive, the people and horses are all in place, so let’s take it step by step. I'm just afraid that I won't have time to spend with you when the time comes."

The little girl smiled shyly: "Who wants you to accompany me? I don't know how to find something to do by myself? Also, you are duplicity. You obviously said that you are traveling and getting married in Yangzhou, but you have another purpose."

Wang Pang smiled, returned to the table and sealed the envelope for Cai Xiang, and sent someone to send it to the capital immediately.After all the things at hand were done, he closed the door, went to the table and blew out the candles, picked up Su Xiaomei and said: "Hey hey, you know too much, I have other purposes, do you want to?" You know it too?"