When people heard that the procuratorate was investigating the cooperation between the government and Majia Jiekupu, most of them had the same reaction as He Chunlin and others, and they were also shocked.
Is this also subject to review by the procuratorate?
They even sympathized with the government.
There is also a new understanding of the power of the procuratorate.
However, as the final investigation results were released, it did not arouse much public opinion, and even the prosecution did not express dissatisfaction.
Because the process and results of the investigation were far beyond Li Min's imagination, they were so professional and rigorous, and the government also promised that this kind of cooperation would be open to all Jieku shops in Hezhong Prefecture. It just said that the conditions were relatively Harsh, you have to have huge wealth to back it up, after all this is all big business.
The big landowners who hired Li Min were just to make things difficult for the government and sow discord. As for the cooperation between the government and Jiekupu, it would not affect the interests of most of them.
Of course, there are also some far-sighted businessmen who go to the Transshipment Department to inquire about the details of cooperation.
This "vision" refers to business based on the rule of law.
After all these twists and turns, the cooperation between the government and Majia Jiekupu was finally settled, and Majia Jiekupu could finally be officially opened.
Just one day before the opening, Majiajie Kupu and the Taxation Department issued a statement at the same time. The Taxation Department stated that taxes can be paid with salt banknotes and salt bonds, but the interest will not be included.
Majia Jiekupu also said that salt bonds can be used as collateral, but the interest will not be included.
As for why Majia Jiekupu didn’t mention salt banknotes, that’s because the current salt banknotes are too small in face value and are purely used as currency. You can use salt banknotes directly as currency, so what are you going to do with me as a mortgage?
As soon as this news came out, the Changping Division was overcrowded again.
Since taxes can be paid, it is a government guarantee, and at the same time it can be mortgaged, it means that the private sector also accepts these salt debts and salt banknotes.
This credit is increasing exponentially.
Of course, all this is based on the Public Security Bureau and the Procuratorate. Without the Public Procuratorate and Procuratorate, who would dare to easily believe that your government has one policy today and another policy tomorrow.
On the same day, Majia Jiekupu also announced its flying money business, which currently mainly includes flying money exchanges between Beijing and Hezhong Prefecture. It will also establish flying money transactions with Yanzhou, Suizhou, and Hehuang areas within this year. Money flows.
These areas are the front lines where the Song Dynasty is preparing to increase its efforts in operations. All this flying money must come from the military.
To put it bluntly, it is aimed at frontline soldiers sending money to their families.
Furthermore, a money deposit business was proposed to facilitate the families of soldiers to store money.
In fact, Jiekupu in the Song Dynasty has always had this kind of business. It’s not that Zhang Fei brought it, but the interest rate is very, very low. The Majia Jiekupu has also raised it a little bit, with a monthly interest rate of one thousandth and an annual interest rate of One percent.
Not bad!
Help you keep your money and pay you interest. Where can you find such a good thing?
At the same time, there is another business, which is housing loan.
On the day when Majiajiekupu officially opened, the store was almost packed.
Because these businesses involve almost every common person, businessmen come to inquire, wealthy households come to inquire, soldiers also come to inquire, including literati who want to buy houses.
"Mr. Yang can use his household registration and this contract to come to Wajieku Shop to withdraw the money at any time. You can also spend some freight. We will send a special person to deliver the money to the place designated by Mr. Yang."
I saw Fan Zheng standing in front of the door, cupping his hands to a businessman.
"understand."
Member Yang nodded repeatedly and said, "But this money will be stored in your Jieku shop for the time being. When I need it, I will come and pick it up. By the way, can I pick it up in several installments?"
Fan Zheng smiled and nodded: "It's all okay."
"That's fine."
Yang Yuanwai cupped his hands again and said, "I'll take my leave now. Mr. Fan won't have to see you off."
"Mr. Yang, walk slowly."
Member Yang came to the back alley and was about to get on the carriage when he suddenly heard someone shouting: "Brother Yang."
Yang Yuanwai looked back, saw Xu Qingnian, and quickly raised his hands and said: "It turns out to be Brother Xu. Disrespect! Disrespect!"
Xu Qingnian came up and asked, "Brother Yang, is he in urgent need of money recently?"
Yang Yuanwai glanced at the contract in his hand and saw that he couldn't hide it, so he said: "It's not that I need money urgently, but I just want to expand my papermaking workshop."
Xu Qingnian said in surprise: "Yang Yuanwai's papermaking workshop is already big enough, why should it be expanded?"
Yang Yuanwai said: "I'm not the only one who thinks so. Many businessmen plan to expand their business. Things are different now. In the past, if you wanted to make more money, you had to feed the government first, and then you were afraid that the big tree would attract the wind and be stared at. Come on, things are different now, with the imperial court here, we can protect our legitimate rights and interests, and it is our own responsibility to make whatever we earn."
Xu Qingnian said: "Aren't you afraid of paying taxes?"
Yang Yuanwai chuckled: "Brother Xu, the current tax system is to pay more if you earn more, and pay less if you earn less. Then I would rather pay more, and I hope God will give me this opportunity."
"That's true."
Xu Qingnian chuckled.
Yang Yuanwai added: "I have something else to do, so I'll leave first."
"Okay, okay!"
Xu Qingnian said: "Yang Yuanwai, walk slowly."
After Mr. Yang left, the attendant next to Xu Qingnian suddenly came forward, "Sir, it seems that this problem still lies with the public prosecutor!"
Xu Qingnian nodded and said: "In the past, if it didn't matter, who would dare to make too much money, but it is different now. Except for the tax department, the government has no right to ask anyone for money, and the tax department declares independently, which means you don't If you evade taxes, no one will ask you for money, so these businessmen will naturally want to make their business bigger."
The servant said: "There are also rich households who want to buy more land."
Xu Qingnian nodded and said: "This is a rare opportunity. We can't let the Fan family boy make all the money. Go get some contracts from the Ma family and see how they do it. Let's learn from it too." As long as our conditions are the same as his, we are not afraid of him based on our connections in Hezhong Mansion."
"yes."
It was busy outside, but the imperial court was not very quiet. More and more people came here to file lawsuits, but they were all based on civil lawsuits.
Zhang Fei's current job is more Buddhist, that is, going to law school and discussing cases with the Four Little King Kongs. All his energy is focused on cultivating talents.
But recently, he spends more time with the four little King Kongs, because they are going out soon.
meeting room.
"Teacher, there was a lawsuit the day before yesterday. The four of us discussed it all day, but we didn't know how to judge it."
Cai Bian said.
"Yeah?"
Zhang Fei said with great interest: "Now there is a case that you don't know how to do. What case is it?"
Shangguan Jun explained: "It is also a contract dispute. The borrower hopes to repay the loan early, but the creditor believes that his early repayment is a violation of the contract."
Zhang Fei smiled and said: "The world has changed, and there are still people who pay back money in advance."
Ye Zuqia said: "We have asked, mainly because the interest rate at Majia Jiekupu is a little lower than the current interest rate, and it is convenient to borrow money, so the borrower wants to mortgage the house to Majia Jiekupu and borrow money. When the money comes out, it’s more cost-effective to pay off old debts first.”
Zhang Fei asked: "Is there any price for breach of contract specified in the contract?"
"No."
"Is there an agreed repayment period?"
"Yes. This October."
"Then what do you think?"
The four little Vajras looked at each other.
Cai Bian said: "It is not a bad thing to pay back the money in advance. It should be possible, but if it is based on contract principles, it is indeed a violation of the contract."
Ye Zuqia added: "If violating the contract in advance is not a breach of contract, then demanding the debt in advance is not a breach of contract."
Zhang Fei nodded and said: "Since it is a violation of the contract, and the creditor is unwilling to accept his early repayment, nor is he willing to reconcile privately, the imperial court has only two judgments, either not to repay the money in advance, or to impose a penalty for breach of contract. "
Having said this, he lightly scratched his head, "Although there are loans in Beijing that have mentioned liquidated damages for early repayment, we do not have relevant laws, but we can use this case to improve it. It depends on what kind of loan it is. , If it is just an ordinary loan between neighbors, we can be more biased towards the borrower, but if it is a loan from a specialized Jiekupu, we have to be more biased towards the creditor."
Shangguan Jun asked: "Why is this?"
Zhang Fei said: "Because of ordinary loans, early repayment will not cause any loss to the creditor. Instead, it is a sign of trustworthiness, because the creditor does not use it to make profits, but commercial loans are different. Businessmen just want to make money. Maybe others just want you to borrow money." It has been a long time since I lent it to others. Repaying the money early may harm the interests of the creditor. In civil litigation, our court wants to defend the legitimate rights and interests of individuals, so the interests of both parties must be weighed."
Cai Bian said: "The creditor in this case is Jie Kupu. He just knew that the other party wanted to go to Ma's Jie Kupu to borrow money, so he was unwilling to accept it."
Zhang Fei nodded slightly and asked: "What about the repayment method? Should we repay part of the principal and interest every month, or only the interest."
Cai Bian said: "The monthly principal and interest are repaid together."
"How much is the amount?"
"One hundred and twenty strings."
"It's not a small amount of money."
Zhang Fei thought for a while, "In this way, if it is the same as the Beijing mortgage, the monthly principal and interest repayment must be 3% of the debt balance as liquidated damages, but if it is only the interest repayment every month, then a penalty Interest for three months.
But you have to make it clear that liquidated damages only apply to commercial loans, not ordinary loans. Ordinary loans can be repaid in advance at any time, and only the interest for the month will be calculated.
In addition, you also need to explain that this applies to repaying money in advance, but it does not apply to collecting debts in advance. The law stipulates that debts cannot be collected in advance. "
"yes."
"Don't nod in a hurry yet."
Zhang Fei said: "What the teacher said is not necessarily right. The judicial pursuit is meticulous and reasonable. You can also do the calculations yourself and set the liquidated damages within a more accurate and reasonable range based on the loan period, amount, and interest." .”
"Can this be calculated?"
"I almost forgot that you are all a group of liberal arts students."
Zhang Fei rolled his eyes, "If you can't figure it out yourself, then ask someone to figure it out. Don't we cooperate with the Hezhongfu Law Firm? Why are you guys becoming more and more stupid as you learn more? If this continues, how can I trust you to go out?" "
"Yes. The students know."
"Cai Jing."
Zhang Fei then said to Cai Jing: "After the judgment, you should immediately write an article on this law and publish it to the public. It is recommended that they try to state whether there are any liquidated damages for early repayment, and let the people confirm this before borrowing."
"Students know."
"That's it for today."
"Teacher, walk slowly."
The four little kings stood up immediately.
Just as he went out, he suddenly saw a beautiful figure walking over, it was Gao Wenyin.
"Madam, why are you here?"
Zhang Fei felt a little surprised. Gao Wenyin usually didn't leave the front door or the second door, so he rarely came here.
Gao Wenyin said: "Didn't you ask me to prepare some gifts? The Ma's store has opened today, and the gifts have been prepared. And it's getting late now, so I came over to ask."
"Yes!"
Zhang Fei patted his forehead and said, "I almost forgot about this. Sure enough, I am only suitable for receiving gifts!"
As he said that, he looked at Xu Zhiqian again, "Master Xu, this is your dereliction of duty."
Xu Zhiqian even forgot about this matter and said: "You have never counted on me for such a thing!"
"That's true." Zhang Fei said, "You are just proactive in going to court."
Xu Zhiqian whispered, this is indeed a fact. How could she remember this kind of ordinary social interaction? Even if she remembered, she would not necessarily say that she had just been thinking about paying back the money in advance.
Zhang Fei immediately followed Gao Wenyin home, changed his clothes, and then rushed to Ma's Jiekupu.
"Third brother is here."
Seeing Zhang Fei, Fan Zheng immediately came out to greet him.
Zhang Fei said: "Sorry! Sorry! We are too busy with official duties and we are late."
"It doesn't matter! It doesn't matter!"
Fan Zheng stretched out his hand and said: "Third brother, please come in quickly."
Zhang Fei saw so many people in the shop, so he asked: "By the way! Are they coming from Yanei?"
"Drinking in the left wing."
Fan Zheng said and pulled Zhang Fei aside, "Third brother, can you please stop looking for Yanei first."
Zhang Fei was stunned for a moment, "What? You also arranged work for me?"
"No, no, no!" Fan Zhengcheng said in fear: "I just hope that the third brother can go to the back hall to appease Bachelor Yuan. He came early in the morning and is very nervous. If you don't come, I don't dare to go."
Zhang Fei smiled and said, "Really?"
Fan Zhengdao: "Scholar Yuan seems to think that through this business, you can earn thousands of dollars a day, but how is this possible? I don't know how to explain it."
Zhang Fei chuckled and said: "Okay, okay! I'll go take a look."
The inner hall of Majiajiekupu.
"Scholar Yuan, don't you feel tired from walking around all the time?"
Zhang Fei looked at Yuan Jiang pacing back and forth in front of him and couldn't help asking with a smile.
"Drink your tea and leave me alone!"
Yuan Jiang waved his hand and said.
Zhang Fei was also very obedient. He picked up the tea cup and continued to drink. He heard Yuan Jiang murmuring to himself, "There is a lot of commotion outside. The harvest should be good today."
Zhang Fei opened his mouth, but still held back.
In fact, the most nervous person today is not Fan Zheng, who is outside welcoming guests. Although he is young, he has seen big scenes. The real nervous person is Yuan Jiang, who is sitting inside and waiting, because this cooperation is equivalent to taking over most of the tasks of the New Deal. Decentralized to businessmen, and he came to Hezhong Prefecture to implement the New Deal. Whether the Majia Jiekupu can succeed will directly affect his political performance, and he will also think of Wang Anshi.
After a while, he suddenly heard a creak and saw Fan Zheng walking in. Yuan Jiang immediately swooped over and said, "What? How many people are borrowing money."
Fan Zheng glanced at Zhang Fei secretly, and Zhang Fei nodded, indicating that he would tell the truth.
Fan Zheng said honestly: "It's not bad. We borrowed ten loans in total."
"so much?"
"so little?"
Yuan Jiang and Zhang Fei said almost at the same time.
After saying that, the two looked at each other, and Yuan Jiang wondered: "Is this much?"
Zhang Fei said: "Isn't this much?"
"It's only ten strokes, how can it be too much?"
Yuan Jiang said in confusion.
Zhang Fei immediately said: "Fan Da, you really can't speak. Just tell Bachelor Yuan that this is equivalent to borrowing money from many farmers."
Fan Zhengdao: "We borrowed a total of three hundred yuan, which is almost equal to the loan of fifty farmers."
Zhang Fei said: "In less than one day, we have borrowed fifty farmers. Isn't that a lot? Plus this is the first day of opening, which is already a very astonishing number."
Fan Zheng also nodded, "Actually, there are many people who want to borrow money, but they are not convinced yet and are considering it, but there will definitely be more and more people in the future."
"But there are not as many as expected!"
Yuan Jiang sat down and said, "I want to pay the interest with the interest."
What he wants is not the amount of your business, but a shocking amount, because this is a business for the imperial court, and it must be able to stimulate people's senses. If you lend a few thousand guan and go to the imperial court to claim credit, you will be punished. Typed by people.
Zhang Fei chuckled and said: "Bachelor Yuan, you can't make up for the interest no matter what."
Yuan Jiang asked in surprise: "What do you mean by this?"
Zhang Fei said: "Even if you borrow 100,000 guan a year, the interest will only be 20,000 guan. I heard that the rich men in the city get 25,000 guan for selling their wine-making qualifications."
Fan Zheng was surprised and said: "Only twenty-five thousand strings?"
Zhang Fei asked: "How much does Fan Lou spend?"
Fan Zhengdao: "At least 60,000 guan a year."
Zhang Fei took a sharp breath and looked at Yuan Jiang again: "Sister Yuan, how can we pay for this little interest? Besides, we still pay attention to the steady flow of water. This capital may not be repaid in a year."
Yuan Jiang said: "Didn't you say it was possible at the beginning?"
"I'm talking about what you sow and you get what you pay for."
Zhang Fei said: "Why do those people outside borrow money? It's to do business. On the one hand, they have to make money when doing business, and they have to pay taxes when they make money. On the other hand, they have to hire people, and they have to pay wages to hire people. People who earn wages also have to pay taxes. Taxes are the key. Now the big landowners outside have figured it out and are deliberately trying to deal with the tax department."
Yuan Jiang opened her mouth, then looked at Fan Zheng again. Fan Zheng understood and said, "If Bachelor Yuan has no other questions, I will go out and get busy."
"go Go!"
As soon as Fan Zheng left, Yuan Jiang said to Zhang Fei: "Don't forget that Wang Jiefu is still waiting for our political achievements."
Zhang Fei said: "I have not forgotten that the ability to collect so much tax depends entirely on the new law. It is just that it does not rely on the new law to directly benefit. This new law is more like planting grass and raising cattle. The cattle cultivate the land and grow food. As long as the financial system Improve it, that’s it! The court doesn’t care where the money comes from.”
Yuan Jiang said: "You could say this before, but I just received news that currently, many people in the DPRK believe that the success of Bianjing and Hezhong Prefecture lies in the Public Security Law, not the new law."
Wow! You are not very well informed, and you only know it now. Zhang Fei pretended to be surprised and said: "Really? These laws and decrees are indispensable. There is no dispute."
Yuan Jiang sighed: "The affairs in the court are not as simple as you think!"
Zhang Fei said: "I only know that with the financial improvement, we all have political achievements. When we return to the court, what we say is authoritative. If we say it is a new law, it is a new law. If it is a public security law, it is a public security law. If the finances do not improve, we will not even have the qualifications to speak. No, I will only get scolded."
"That's true."
Yuan Jiang nodded and said: "Actually, looking back now, the Green Crops Law can only restrain land annexation, but to say that this method can improve finances is really just a wishful thinking!"
Zhang Fei smiled slightly, you only know it now! Said: "But if Bachelor Yuan wants to make some noise, it's not impossible."
Yuan Jiang hurriedly asked: "What can you do?"
Zhang Fei said: "The income here is a steady stream. If you don't understand the principles of taxation, it will be difficult to understand the mystery. But this kind of income just fits in with some of the government's fragmentary expenditures. Bachelor Yuan can include part of the government's expenditures in this explanation." Kupu, if you come here to collect some money every month, you can use more finances directly for the court, and then in the eyes of the court, the accounts will become more beautiful."
Yuan Jiang's eyes lit up when he heard this, "This is a good idea, and it can effectively prevent government corruption."
Zhang Fei smiled and nodded.
Yuan Jiang suddenly turned from worry to joy, "You are still smart!"
"Ziyou! Do you think they just made a false shot?"
Fan Zhen stood across the street, looking at the bustling Majia Jieku Shop with a slightly depressed look on his face, and asked Su Zhe who was standing aside.
Su Zhe said: "This junior doesn't think this is a false shot. This junior thinks they must have planned it in advance."
Fan Zhendao: "That's a false shot, deliberately luring us into a lawsuit, letting the squire solve the problem of lack of money, and then investing Chang Pingcang's money here."
Su Che shook his head and said, "This junior doesn't agree, because even if the squire goes back on his word, the government has nothing to do. To promote the Changping Division, you have to lend money to those common people."
"That's true."
Fan Zhen stroked his beard and nodded, "But I always feel like my work was all in vain, haha."
Su Che pondered for a while and said: "Scholar Fan should know that juniors are very opposed to the Young Seedlings Law."
Fan Zhen nodded.
Su Zhe added: "The reason why the younger generation opposes the Young Crops Law is that it is absolutely impossible for the younger generation to improve the finances by just lending money to farmers. The government can only force borrowing and monopolize lending. This will definitely hurt the people, but now With the existence of the Public Security Bureau, this is almost impossible, and the Qingmiao Law is already harmless in the eyes of younger generations."
Fan Zhen thought for a while and suddenly looked at Su Zhe, "Well, Su Ziyou, you are still implying that I have been working in vain!"
Su Zhe hurriedly explained: "This junior has no such intention. In fact, Xueshi Fan's lawsuit has greatly promoted the progress of the public prosecutor's office. It is precisely because of that lawsuit that we all know that the imperial court can stop Qingmiao." The law attempts to monopolize lending.”
"You! You look more and more like your brother."
Fan Zhen shook his head with a smile and sighed: "But it's a pity that Wang Jiefu plans to implement the Youth Law on Tokyo East Road again, and this time he doesn't plan to establish the Public Security Law there first."
Su Che chuckled and said, "If Academician Wang is willing to listen to the advice, he will not be in a hurry to promulgate this young seedling law."
Dengzhou, Procuratorate.
Compared to the Procuratorate in Hezhong Prefecture, which is being renovated three times a day and is growing day by day, the Dengzhou Procuratorate is becoming increasingly dilapidated and shabby. Outside the gate, it is deserted and lifeless.
Since Su Che came to Hezhong Prefecture as the Chief Prosecutor, he was often so busy that he didn't even have time to drink water, while Fan Chunren, the Chief Prosecutor of Dengzhou, was so free that he practiced calligraphy in the Yamen every day and devoted his attention to calligraphy and articles.
At this time, an old servant came in and said, "Master, there was news from the government office that Deng Guangyuan, the magistrate of Huang County, has returned home."
Fan Chunren immediately stopped writing, "Why?"
The old servant said: "Because Magistrate Deng also wanted to follow Magistrate Ouyang's example and prevent the implementation of the Green Crop Law in Huang County, and threatened him with an official position. As a result, the court asked him to become an official and go home."
"This is really unreasonable!"
Fan Chunren put the pen on the pen holder and said, "Could it be that Wang Jiefu wants to cover up the sky with one hand?"
With that said, he said to the old servant: "By the way! I submitted the lawsuit to the government office, have you heard any response?"
The old servant nodded and said: "The government office just sent someone to talk about this matter. The government office used the incident in Huang County as an excuse and said that the government office would not accept the case."
Fan Chunren closed his eyes and sighed. After a while, he suddenly turned his head and looked at a book boy beside him with delicate features, red lips and white teeth, "I am far inferior to your third brother as a teacher!"
This book boy is none other than Fang Yun.
When he first came to Dengzhou, Zhang Fei asked Fan Chunren to take care of Fang Yun and protect her from bullying. Although Fan Chunren agreed, he actually didn't like Fang Yun. He and Sima Guang had the same view on Fang Yun's case. Fang Yun was guilty of murdering his husband. Although legally, you can exonerate Fang Yun, but the fact is Yes, everyone knows it.
These people care more about inner moral character.
But after some investigation, he found that Fang Yun was quite kind at heart, and gradually believed Zhang Fei's statement. She was also forced to a dead end, and her thoughts went astray for a while. Later, he found that Fang Yun had been working hard to learn law. He wanted to learn, so he took Fang Yun as his disciple.
Fang Yun pursed his lower lip and said timidly: "Student. Students don't think so."
Fan Chunren asked: "What do you think?"
Fang Yun glanced at Fan Chunren anxiously.
Fan Chunren smiled and said, "Just say whatever you think."
Fang Yun said: "Students heard that the third brother was accompanied by the procuratorate and police station when he went to Hezhong Prefecture, but the teacher is just a procuratorate in Dengzhou, and it is difficult for him to exert the power of the public prosecutor's office."
A wry smile appeared at the corner of Fan Chunren's mouth.
He has been here for more than two years and has made no achievements. You must know that he is more upright than Su Che. But the problem is that there is no royal court or police station in Dengzhou. Just a procuratorate is useless. He goes to the government to exercise prosecutorial power. , the government office always finds various excuses.
The procuratorate had to ask for evidence to prosecute, and he couldn't find the evidence, so he fell into an endless loop. Not to mention civil litigation, criminal litigation was not his turn.
The only thing that comforted him was Su Shi's letter. The lines were full of frustrated optimism, which at least proved that it was not his problem.
But with the great success of the Hezhong Prefecture Public Security Bureau, Fan Chunren couldn't hold back his anger. It was so lively there, but I wasted my time here. I was really anxious!
"Oh, there is no way. Who should let Sima Junshi be in charge of judicial reform? Because of his foresight and hesitation."
At this point, Fan Chunren stopped again and said: "But it is better than Wang Jiefu's impatience. It is clear that the situation in Hezhong Mansion is good, but he does not wait for the public prosecutor to rush to implement the new policy. Wait and see, this will definitely happen. questionable."
(End of chapter)
