"Sir, this is the report of Gao Yushi's investigation."
"Well, let me take a look first~~~!"
After Yang Qian opened it, he read it carefully. As the reading progressed, his brows raised tightly.
"Oh my god, the entire Yuntong business actually received more than one billion yuan. Wow, what a big, fat cake."
Although 100 million yuan is not a big deal, you must know that this is on the surface. Who knows how much is hidden secretly. Generally, what can be easily investigated is just the tip of the iceberg.
Below is the list of participants. Yang Qian took a quick look and found that most of them were squires and wealthy families with big families.
There are also some new rich people who have relied on the rapid development of Yuntong. Most of these people are businessmen. Before the land was recollected, they purchased land and had a family background.
When he turned to the last page, Yang Qian felt bad all over.
That expression was not one of depression, disgust, or joy, but one of surprise, the kind that was never expected.
"Yu'er, go get the magic stone, Yu Zhuzi and Nina over here."
"yes."
Not long after, the three women walked in, looking eager to try.
During this trip, the three performed well and initially gained Yang Qian's trust.
But I haven't received the notice yet that I can move upstairs.
Could it be that your Majesty decided to pull it off? The three women suddenly became a little excited.
"Pa~!"
Yang Gan kept the document in front of the three women with a gloomy expression.
"Here, someone explain to me what's going on."
The three women were stunned for a moment, with a bit of panic on their faces. The magic stone took courage, picked it up and flipped through it, and finally saw their name.
"Your Majesty, what does this mean?"
Yang Gan sneered and said, "Where do you get the money to participate in the loan business? I will only give each of you one gold each month. Even if there is an occasional reward, it will not reach the amount of a thousand gold."
"It's good for you. If the three of you are put together, this handicap will be worth two or three thousand gold."
Moshashi said carefully, "This, this, this doesn't violate the law, right?"
Yang Gan sneered and said, "It's true that it's not illegal. What I'm asking now is, why do you three have so much money? Even if you sell all your jewelry, family assets, including the money I gave you, and yourselves, it won't be so bad." Rich."
Third daughter, you look at me, I look at you.
Yuzhuzi pushed the magic stone with a little fear, and the magic stone said helplessly.
"Usually Yuzhuzi keeps an eye on it. Wherever there is a cheap loan, we will borrow it and then sell it out at a high price. Also, if you tell us your name, everyone will give you some face and add your own ability. Gold, there has been so much money during this period of time.”
"Fuck!!!"
Yang Qian felt bad. Who were these three people? How could they use leverage so smoothly?
Yang Qian blinked and immediately confirmed, "You mean, the three of you, relying on just a few dozen gold, have doubled your income dozens of times in a year or so?"
"Well, yes, Nina joined late, so she does bookkeeping."
"Bring me the ledger."
Moshashi quickly brought the account book and handed it to Yang Qian.
Yang Qian opened it and checked it carefully, and happened to see Zhang Yumeng getting up. She stretched out, revealing her perfect curves and skin as white as jade.
After Yang Qian quickly read it, he handed it to Zhang Yumeng.
"Look at what Nina and the other two did."
A huge account book was handed to Zhang Yumeng.
Zhang Yumeng smacked his mouth expressionlessly. The body hadn't fully matched the soul yet, so he just forced himself to open the business. It took him a full five minutes to wake up.
After reading for a long time, Zhang Yumeng exhaled and admired it.
"Holy shit, that's amazing. They are very smart. Instead of borrowing the money first, they conduct loan investigation and loan investigation at the same time, and finally add up the sum from both sides." Five
"Lend the money with an interest rate of 50% to 100% to those who are in urgent need of money, and the interest rate can reach 100% to 150%."
"Take a middle number. The cost is 75% interest. If you lend it back to someone else, the interest becomes 125%."
"And they are very smart. It is all about money and does not involve food reception, so the time cycle is short and there is no need for a warehouse."
After Zhang Yumeng closed the official document, he looked at the three women in disbelief and said to Yang Qian.
"Talent, it's a bit like a Ponzi scheme, but looking at the books, they control it very well, and the income is not low. They register both buyers and sellers. With such a pairing, the transaction is completed with almost no risk, and it is still a short-term transaction. , the money comes in quickly.”
Yang Qian wondered, "How did you operate when we went outside?"
"We hired someone to keep an eye on us at all times. Your Majesty only took us out this time. In the past, whenever you went out, we would go to the county town almost every two days."
Yang Gan smiled and shook his head, why didn't he expect that the three guys with him actually have financial management talents.
Zhang Yumeng immediately became energetic and said, "Yang Qian, this is just like a bank. Should we do it ourselves?"
Yang Gan shook his head and said, "No, it has happened in all dynasties. The participants range from the Qing clan to the merchants and common people. If you eat it all at once, you will only become a target of public criticism."
"Depriving someone of their money is tantamount to killing their parents, and don't you think the interest rate is too high?"
Zhang Yumeng almost bit off her tongue, "Yes, yes, I didn't say it just now, the interest rate is too scary."
Yang Qian sighed and said, "I'm just telling you why there were so many people selling their land and family property in the past."
"Moreover, many usury loans are based on written documents. If the loan is overdue, it may not be an extra payment. It may be an extra payment, a beating, or even the sale of the property. The most serious thing is that the children of the family are used to pay off the debt."
"I don't plan to have a monopoly. If I do, I'm afraid it will cause trouble."
Zhang Yumeng said, "How about I come up with a strategy for you and you count me in?"
"Go and get the coin minting machine out for me. I'll do this myself."
Just kidding, Zhang Yumeng now has her own business and is considered a wealthy woman. Now she has more places to spend money. Besides, they are all one family, so why should they be so divided?
"You bastard, Zhou Papi, Yang Qian, let me tell you, if you bully me like this again, I won't do anything for you anymore."
Yang Gan glanced at her and said, "I risked everything yesterday, but you actually crossed the river and burned the bridge."
"Hmph, with such a huge profit, there's no reason why you shouldn't take it out."
Yang Gan immediately hugged her and said, "We are a family, why should we be so clearly divided? Besides, the money I earn is all for future big projects. No matter how much I earn, it will never be enough."
"Hmph~!"
Maybe he knew he couldn't succeed, and because of his family's words, Zhang Yumeng ignored Yang Qian, put on his clothes hastily and went out to wash up.
Yang Gan breathed a sigh of relief and said to the three women, "Well, you three will move to the fifth floor starting from today. I will have something to tell you in the future."
The eyes of the three women instantly shone. Money is a good thing in any era, but in ancient times, money could not be exchanged for rights, but rights could be exchanged for money.
The concepts are different. If you choose between Qian and Yang Gan, the three women will naturally choose Yang Gan.
"yes."
The woman rushed downstairs, hurriedly added her things and organized them, and then asked the slaves to take them upstairs.
Being able to live on the fifth floor proves that in the future, you will have a car to travel and a domestic servant to serve and serve you in your life, completely transcending classes.
When he came to the study room, Zhang Yumeng was already writing and drawing, and he didn't know what he was writing. Anyway, Yang Qian could only understand the pictures, but some of the data on them was completely blind.
I found a stool and started planning.
After getting to know them, Yang Gan learned that exorbitant interest rates had overwhelmed some borrowers, and even led to the tragedy of having their families destroyed and people sold into slavery.
This also allowed some people to see the business opportunities, especially the annexation of land, but now there is no need to worry about the land.
Because land cannot be traded privately, when it was first implemented, there were still people who did not believe in evil.
Yang Qian's Tianshou Division was not a vegetarian. After severely rectifying several families, everyone realized that Lord Wu An was serious.
There are also some private transactions. According to the regulations introduced by Yang Qian, private land transactions are not counted.
If the land traded between two people is discovered by Yang Gan, the money and land traded for the land will be nationalized.
Both parties to the transaction will have to bear more than three years of hard labor, and there is basically no way they can come back, because Yang Gan will send them to the most miserable place. After three years of hard work, they will die or be disabled.
If the person who bought the land reports it, and the land is not recovered, the seller will not only have to go to jail, but also have to do corvee labor. In short, it will be very miserable.
If the person who sells the land reports, then the person who buys the land will not only have to compensate ten times the land, but also have to perform corvee service. If there is not so much land, the number of years of corvee service will be increased by any amount.
Yang Qian deeply understands that there is no perfect system, but human nature is complex. When conflicts are overwhelming, all that is needed is a small provocation.
Who dares to give up his wealth and life to another person? Unless you're tired of living.
Of course there will be a strong alliance, a grasshopper on a rope, this will not be difficult for Yang Qian. If you follow my rules, then I will tell you the rules.
If you don't follow my rules, then I won't follow the rules. Yang Gan said that he doesn't follow the rules and even himself is afraid.
Many things to borrow money came to mind. Yang Qian wrote quickly, and he didn't write many rules, but he stabbed the hearts of those moneylenders.
First: Establishing a bank belongs to the official background.
Second: the magic brake stone, Yuzhuzi and Nina are in charge of it together, and the Tianshou Division is supervising it.
Third: The annualized rate of borrowing interest shall not exceed 20%, and the total interest shall not exceed the principal.
Fourth: Land, wives and daughters are not allowed to use it to pay off debts.
Fifth: If you really can't pay off your debts, you can do corvee labor and your income can reach five times the borrowed amount before you can be released.
Sixth: The bank only allows the government to handle it, handle it privately, and behead people.
Seventh: For private loans, the written evidence must be used as evidence. The written evidence must be within the legal and reasonable scope, otherwise the government will not support it.
Eighth: The banker can provide justice for the documents, which requires a 2% service fee.
