Chizuru Hiromiya fell into silence.
She felt a little unhappy, but knew that she was not qualified to refute the other party, so she could only keep silent.
"As far as I know, the Japanese envoys seem to be buying up ancient books and classics in Chang'an, sparing no expense. Princess Qianhe must be very rich."
Li Qingquan took the initiative to speak, stared at Haogong Qianhe, and asked,
"How come you come to the bank to borrow money for just a thousand taels of gold?"
The Japanese people were busy collecting books in Chang'an these days, and she had also heard about it. Many ancient books were purchased in hundreds or thousands of taels, which can be said to be very wealthy.
Even she was a little tempted and wanted to sell some of her rare Chinese editions of "Nv's Commandments" and "Biography of Women". Anyway, if they were left in the palace, they would just get ashes, so she might as well sell them for a few hundred taels of silver. Huahua...
Although she is not short of money...
"A mere thousand taels of gold is nothing at all. But because I was thirsty for books, I spent all my gold and silver, so I had no choice but to come to the bank to borrow money."
Haogong Qianhe raised his head and said seriously,
"To be honest, I brought ten thousand taels of gold with me to Tang Dynasty this time, and I spent all of it on buying books. I didn't even leave much for myself to pay for my trip back to Japan."
The woman in green shirt looked surprised.
"You actually spent ten thousand taels of gold to buy books? What a thirsty person for books!"
She praised,
"Princess Qianhe spared no expense to buy books, which is admirable. You will definitely increase your wisdom and broaden your knowledge!"
Li Qingquan also nodded.
No matter who you are, as long as you cherish books and value knowledge, you are worthy of respect.
"Your idea is right. My master once said that books are the ladder of human progress. No amount of reading is too much."
She smiled lightly and said,
"You already have a reputation of being able to buy books with a lot of money, and now you want to be famous with a lot of money to buy horses?"
"Excuse me, who are you going to give this bloody horse to?"
Haogong Qianhe pursed her lips slightly.
"Do you have to say it?"
She whispered,
"I'm just here to borrow money. There's no need to ask for such details, right?"
The aura of the woman in front of her made her feel particularly uncomfortable, so she didn't want to cooperate with him.
"You don't have to say it."
Li Qingquan simply nodded and said,
"Then I will evaluate you next."
"You are a Japanese princess, so there is no need to mention your status and background. There is no need to worry. Although you do not have a legitimate career or stable income, I still believe that you have the ability to repay your debts."
Haogong Qianhe's expression changed.
Listening to this... why does it sound so unpleasant to my ears!
Forget it, at least it’s approved.
"but--"
Li Qingquan changed his tone and said again,
"The bank has not yet launched overseas business. Japan is too far away and full of uncertainties. This is a risk."
Chizuru Hiromiya: "?!"
"What do you mean?"
She said a little sullenly,
"Do you think I, the princess of a country, will default on my debt?"
"Let me tell you! As soon as I return to Japan, I will immediately prepare the principal and interest and send people to Datang to pay back the money! I don't want to be burdened with debt!"
What this woman says is so irritating!
It made her feel like she wanted to take the money and run away!
"Princess Qianhe, please don't be angry..."
The woman in green shirt quickly comforted her and said,
"The shopkeeper is not targeting you. She has always been like this when assessing risks. There is no need for emotion."
"Don't take it to your heart..."
Li Qingquan glanced at her.
"I naturally believe that Princess Qianhe will not default on the debt. After all, you represent Japan, and Japan will never do such a thing as long as it wants to have diplomatic relations with the Tang Dynasty."
She still said without emotion,
"However, when it comes to overseas business, I have to consider emergencies."
"look--"
As he said that, Li Qingquan took out a small notebook from his arms, flipped through a few pages, and waved it in front of Haogong Qianhe.
"This Hu businessman from the Western Regions is named Qi He. He borrowed three thousand taels of silver from Fenglei Bank to expand the size of his caravan and strive for greater profits."
She said,
"But when he was doing business in the Gobi desert, he encountered a sandstorm and the entire caravan was wiped out."
"Naturally, the bank's three thousand taels of silver were wasted and became bad debts."
"The only way I can make up for this shortfall is to accept his assets in Chang'an to pay off the debt. Even so, the bank still lost several hundred taels in the end."
"I was deeply ashamed of it, and from then on, I made a rule."
Haomiya Qianhe: "..."
Her face became even stiffer.
You mean... I will also be in danger and the whole army will be wiped out? !
"Any overseas business must have collateral, otherwise it will not be lent."
Li Qingquan saw that Haogong Qianhe's face was a little dark, but he still said calmly,
"Princess Qianhe has to cross the ocean to return to Japan. The risk is similar to that of doing business in the Gobi Desert, or even greater! Therefore, you must have collateral before the bank can lend you money."
Chizuru Hiromiya: "!!!"
"If I have collateral, I can just sell it. Why should I come to your bank to borrow money again?"
She was trembling with anger at Li Qingquan's words, slapped the table and said,
"Do you have any business like this?!"
"It's...ridiculous, extremely ridiculous!"
Li Qingquan smiled lightly.
"This is how bank business has always been done."
She said,
"If you don't agree, just go out. There is no need to make such nonsense."
She had seen people like Haogong Qianhe a lot, and they all acted like rogues, but Li Qingquan never took them seriously.
A bank is not a charity!
No matter who you are, even if you are the emperor, you must conduct a risk assessment.
If the appraisal fails, the loan will not be approved! This is the rule!
Uh-huh!
Haogong Qianhe flicked his sleeves, stood up, stared at Li Qingquan, and said coldly:
"As far as I know, this bank is opened by Xu Guogong Xu Fenglei, right? You are just a shopkeeper, not the boss."
"I also have friendship with Mr. Xu Guogong. Even he is very polite to me, but you are so rude! If I tell him what happened today, haha..."
Li Qingquan chuckled.
This little Japanese princess is still threatening?
Do you really think of us as 'workers'?
"friendship?"
She said with great interest,
"You just came to Datang not long ago, how did you develop friendship with our boss? Tell us."
Haogong Qianhe snorted coldly.
"You don't have to worry about this, you just need to know that, after all, I am still half of Xu Guogong's apprentice!"
She said,
"You'd better not make things difficult for me. It's not like I've never been to Duke Xu's mansion!"
As soon as she heard the word "boss", Haomiya Chizuru became even more sure of her guess——
The woman in front of me is only a slightly higher level than the woman in green shirt. She is not the mistress of Fenglei Bank!
Of course you don’t need to be so polite to a wage earner! Maybe if you threaten a few words, both true and false, the other party will soften.
In fact, with her intelligence and self-esteem, she shouldn't be like this...
But for some reason, when she met the woman in front of her, she became a little irritable and wanted to fight back when she was insulted!
It's like encountering a natural enemy...
"Ha--okay, okay."
Li Qingquan raised the corners of his mouth and said with a smile,
"I won't make things difficult for you, the majestic Princess of Japan. How dare you offend me, a small bank manager?"
Even so, the chuckle on her face was quite teasing.
Just say 'I have offended you' written on your face, right? 'A few big words...
"However...Princess Qianzuru, there must be collateral."
Li Qingquan continued,
"I know that all your money was used to buy books, and it's impossible to use those ancient books as collateral."
"Well... let's do this! This pearl necklace around your neck looks good. Can you show it to me?"
Chizuru Hiromiya: "?!"
She subconsciously held the pearl necklace around her neck and looked at Li Qingquan warily.
"No, this was given to me by my mother. It is a treasure passed down from generation to generation!"
She categorically objected,
"This absolutely cannot be used as collateral!"
What a joke! This pearl necklace is taken from North Sea pearls. The 24 pearls are round and smooth. The most rare thing is that they are almost the same size.
Beihai pearl divers selected the best for decades before selecting these 24 pearls and presented them to the Japanese emperor, who in turn gave them to the then empress.
It has been passed down from generation to generation, and in her hands, it is already half a Japanese national treasure!
She would never leave this pearl necklace even if she was killed!
"That's it..."
Li Qingquan shrugged and said,
"To be honest, this pearl necklace doesn't look like it's worth a thousand taels of gold. I reluctantly accepted it because of your relationship with the boss."
"Since you don't want to, then forget it."
"As for the loan... I can't help you, Qing'er, just see the guests off."
As soon as she finished speaking, she turned around and left without any hesitation.
Only Qianhe Haomiya stood there, her eyes ready to spit fire.
Not worth a thousand dollars?
Who are you insulting? This pearl necklace is a unique item. Even if someone offers me 10,000 taels, she won't exchange it!
"Sightless!"
She cursed secretly, turned around and left.
"Hey, eh, Princess Qianzhe..."
The girl in green shirt quickly grabbed her and comforted her,
"Don't be anxious... our shopkeeper has such a temper. He is nicknamed the female King of Hell, and when he does business, he is like the King of Hell judging you for being expensive. That is merciless!"
"Don't be angry. In fact, she has already relented. As long as you mortgage this pearl necklace, this thousand taels of gold can be loaned to you..."
Haomiya Qianzhe glared.
"No way!"
She said angrily,
"This is a gift from my mother. It is a national treasure! Not to mention one thousand taels of gold, I won't exchange it for even ten thousand taels!"
"There's no door!"
"Farewell!"
After saying that, she angrily raised her feet to leave.
"oops!"
The woman in green shirt stopped Haogong Qianhe again and persuaded her earnestly,
"I'm not asking you to sell it, it's just a mortgage!"
"When you pay off the money, this treasure will naturally return to your hands. Don't worry, our Fenglei Bank's custody business is also the best in Datang. Our warehouse is next to Jingzhao Mansion. Every day There are dedicated personnel to take care of it, so there will never be any mistakes.”
"With your financial resources, you don't have to worry about repaying the money. It's just a hassle of going back and forth... It will take a few months at most to pay off the loan and return the property to its original owner!"
Haomiya Qianhe's expression softened slightly.
"I'll tell you the truth, don't worry."
The woman in blue shirt said seriously,
"If the distinguished guest you are visiting is really important and must give a gift now, then you can reluctantly pledge it."
"If it's not that important, or maybe next time is okay, then don't hesitate and wait until next time you come to Datang. We've got a long way to go!"
Chizuru Hiromiya fell into silence.
next time?
Does she have a second chance to come to Datang?
Maybe there is...but maybe not again.
Opportunities are often only once and fleeting...
Haomiya Qianhe caressed the pearl necklace on her chest, feeling trapped in infinite tangles in her heart.
The woman in green shirt was not in a hurry, and just waited patiently for her to make a decision.
A loan of one thousand taels of gold! If this order is not opened, it will be enough for her for half a year!
For such a big fish, you have to have a lot of patience...
After a while.
"...That's all!"
Haomiya Qianhe took off the necklace from her neck, bit her silver teeth and said,
"I'm willing to mortgage! But I'll say it first, and there won't be any damage!"
"If there is a collision, the compensation of ten thousand taels of gold will not be enough!"
The woman in green shirt's eyes lit up and she nodded repeatedly.
"well!"
She continued,
"Don't worry, the bank will use the highest quality jade box to preserve your treasures. There will never be any damage, not even a speck of dust!"
After saying that, she carefully took the pearl necklace and held it in her hand.
"besides."
Haomiya Qianhe felt a chill on her neck and felt a little uncomfortable.
She adjusted to the discomfort of losing the necklace and said displeasedly:
"I don't want to communicate with that woman anymore. Can you have full control over what happens next?"
I don’t want to see that woman’s face again! Isn't he just a little subordinate of Xu Fenglei? It looks like it's being pulled...
"Uh...of course you can."
The woman in green shirt glanced towards the back room, nodded with a smile and said,
"As long as our shopkeeper agrees, I will be fully responsible for everything that follows."
"Please wait a moment."
After saying that, she got up and walked inside, entering a private room.
"Big shopkeeper, the Japanese princess agreed to the mortgage."
The woman in blue shirt held a pearl necklace and said,
"This pearl is so smooth and beautiful! It is indeed the best."
Li Qingquan raised his hand slightly and stretched out his hand.
"Take a look."
The woman in green shirt hurriedly handed it over.
Li Qingquan took the pearl necklace, which still had a bit of body temperature and lingering fragrance.
"24 capsules, each grain is plump and round, with a bright and attractive luster."
She whispered,
"It is indeed top quality. Such a pearl necklace is rare in the Tang Dynasty. Only an island country like Japan can produce such a treasure."
There is no woman who doesn’t love this jewel, and she is no exception.
But after just playing with it twice, Li Qingquan sent it back.
"Put it away and grant her the loan. How long will she have to borrow it for?"
she asked.
"Hmm...it seems like half a year?"
The woman in green shirt thought for a moment and said,
"It takes about half a year to go back and forth from Chang'an to Japan."
"Then calculate it as one year." Li Qingquan said casually, "One year, four cents interest. After expiration, a total of 1,400 taels of gold including principal and interest will have to be returned. Go ahead and tell her."
The woman in green shirt was stunned.
"Four points profit?"
She hesitated and said,
"Is it going to be higher? We usually lend it out, but it's not this high..."
Li Qingquan pursed his lips and smiled.
"Believe me, anyone who is willing to use this pearl necklace as a mortgage does not mind paying a few hundred taels more in interest."
She said,
"The Japanese...Master hates the Japanese the most, so I want to earn more from them, so that you can get more commission, right?"
The girl in green shirt's eyes lit up and she suddenly smiled.
