I'm really not doing business

Chapter 712: Too busy collecting debts to scold the emperor

Chapter 712: Too busy collecting debts to scold the emperor
Zhu Yijun was kind, Lin Fucheng took advantage of him, Wanli was Wanli, and the Wan family was all violent. What a crazy accusation. Zhu Yijun forgave him. Zhu Yijun was evil, and when he killed people, rivers of blood flowed.

Zhu Yijun was a contradictory person, so a contradictory result occurred. That is, Lin Fucheng, who had openly offended the emperor, still had his official position, while the owners of the village who had no direct interest in the emperor were either killed or had their property confiscated.

After all, Lin Fucheng was a person with a lot of opinions. The opinions he put forward could not influence the political situation because they were too sharp. People like Ma Jinglun and Yuan Zongdao, who were also people with a lot of opinions, all stayed away from him. He could not influence any public opinion. However, the harm caused by those who protected the village owners was extremely widespread. They stole the achievements of the new policy and undermined it.

This is the fundamental reason why the emperor was so furious.

The Ming Dynasty Law clearly stipulates that anyone who privately lends money or pawns property may not charge more than three percent interest each year, and no matter how many years pass, the interest may not exceed one-third of the principal. Violators will be flogged forty times, and the remaining interest will be counted as stolen goods. In serious cases, the offender will be charged with corruption and sentenced to a maximum of 100 strokes of the cane. If he charges more than the principal, or the years and months expire, or he continues to charge repeatedly, he will be executed.

According to the Ming Dynasty law, the highest annual interest rate is 30%. No matter how many years, the interest must not exceed the principal. If it exceeds the principal, the person will be flogged. If the crime is more serious, the person will be charged for corruption. In the case of excessive circumstances, if there is compound interest, that is, interest is added to the interest, and the agreed years have passed and the interest is still being accumulated, the person will be sentenced to death.

However, in the actual execution process, the death penalty is generally not imposed, after all, it is only an economic crime, unless it causes serious adverse effects.

Starting from the third year of Wanli, the Ming Dynasty Code began to be revised. In the Ming Dynasty Code, in the section on interest rate control, the Ming Dynasty made further regulations, that is, for all debts in the future, the monthly interest rate for every one tael of silver shall be only 1.5%, and no more interest shall be charged and no additional interest shall be charged.

That is, the monthly interest rate is 1.5%, which means the annual interest rate is 18%, and no additional interest may be calculated on top of the interest.

All the owners of Wanlongzhuang met the following conditions: the serious ones were charged with corruption, profiting on top of profit, the years were overdue, the calculations were endless, and most importantly, they caused serious adverse effects. Therefore, execution was in accordance with the laws of the Ming Dynasty, and that was why Wang Chonggu scolded them for ignoring the law.

"The owner of Wanlongzhuang is going to die, but the baozhuang in Songjiang Prefecture will probably be closed down soon. Even the baozhuang that do not come to participate in this kind of rally will not be immune. Bank run is a very strange phenomenon. Anyone who has invested money in a baozhuang will go for a bank run when they see these two words." Zhu Yijun stood next to the dragon flag, watching everything that happened in Wanlongzhuang, and said calmly.

A bank run is caused by lack of confidence. A bank run is a very interesting thing. When people see these two words, no matter what their stance is, they will take out their money and keep it in their own hands to feel at ease.

If the emperor destroyed the debt market of Wanlongzhuang, he would definitely be criticized, because the fall of Wanlongzhuang represented that the court began to interfere with the wildly growing debt industry of Baozhuang. This was huge bad news, and a stampede was bound to happen. Everyone wanted to run first and let those who ran later bear the price. Once confidence dissipated, this game of passing the parcel could not continue.

The ones who will receive the news the fastest and run the fastest must be the wealthy families, who are often the backbone of the society. Once they leave, the silver in the baozhuang will be drained out, and panic will spread to the entire Songjiang Prefecture, and all the baozhuang will face a run.

According to the Ming Dynasty's regulations on the four Huitongguan post stations established in Mizhou, Songjiang Prefecture, Zhangzhou and Guangzhou Prefecture, the Huitongguan had to retain 30% of the total silver for acceptance, and the rest could be used for lending, investment and other profits. However, there were no such regulations for private Baozhuang.

According to Yao Guangqi's investigation of Wanlongzhuang Baozhuang, it can be seen that the Baozhuang of Daming only retained about 6% of the silver to guarantee acceptance, and the remaining silver would be used for lending for profit. A bank run would cause a very serious liquidity crisis. When there was no penetration, when the wealthy families began to cash in and panic had not yet spread, the brokers and compradors who presided over the Baozhuang would run away. When Wanmin went to withdraw the money with the guarantee ticket, the house was already empty.

Not only did he not get the huge interest that was promised, but he was also about to lose his principal.

Before taking action, the Tax Inspection Office of Songjiang Prefecture had completed the penetration of all the operating Baozhuang in the Ming Dynasty and found all the actual controllers. It didn't matter if the brokers and compradors ran away, as long as they could find the powerful and wealthy who were in actual control to accept the promise.

Of course, it would be strange if Zhu Yijun, who played the role of an old antique and a stubborn old man and destroyed the business environment, did not get criticized.

Zhang Juzheng did not say anything. He had already anticipated what would happen. Even though he had not conducted a detailed investigation, he knew the powerful and wealthy people very well. Due to their greed, Baozhuang would definitely not have enough silver to deal with the crisis.

Zhu Yijun sounded the horn to call back his troops, and a huge wave of bank runs occurred in Songjiang Prefecture. The first to go was Shanghai County, where the Ming Emperor had launched a military operation. People in Shanghai County were watching the excitement of the Emperor's military operation, and then they realized that the excitement had come to them. There was a problem with the bank and the silver was not safe. People who realized this rushed into various bank and started to cash their guarantees one after another, waving the tickets in their hands and demanding to exchange them for cash.

The Emperor of the Ming Dynasty watched this scene coldly. The wave of bank runs reached its peak on the third day.

On the first day, only a few well-informed people ran to withdraw their money. On the second day, the bank was completely in a liquidity crisis. On the third day, the banks began to close down. At this time, all the banks were crowded with people who wanted to cash out but could not.

Chen Mo came to Zhengqibaozhuang in Chongyifang with an iron plate in his hand. Looking at the excited crowd in front of the door, for a moment, even the imperial guards could not squeeze through.

The whole street was crowded with people. The yamen runners were pushed outside. There was no one in the entire Zhengqibaozhuang. Even the door was pushed open. It was a mess inside. The brokers and compradors had already run away. The person who had promised high interest rates fled overnight.

The money was gone and the people were nowhere to be found. Some people sat on the ground crying for their parents, some were frantically destroying everything in Zhengqibao Village, and more people were as pale as death, not knowing where to go. Some people shouted for the money to be returned, some wanted to go to the government to report the case, and some were flushed with anger and red eyes. All their belongings were in there, and now they were gone. They even wanted to kill people.

"Your Majesty is kindhearted." Chen Mo held the iron plate tightly in his hand, looked at the scene, and spat, saying, "If it were me, I would not care about anything. You can't teach someone a thousand times, but you can teach them once with your own actions."

The reason why Chen Mo said this is that in the sixth year of Wanli, the Ming Dynasty court began a new policy on capital gains tax, and simultaneously implemented the Huitongguanyi acceptance and remittance business. When it was first established in the sixth year of Wanli, it was not all smooth sailing.

At that time, there were already many money houses in Songjiang Prefecture, and even some bill exchange houses were doing the acceptance and remittance business.

On July 14, the sixth year of the Wanli reign, Songjiang Huitongguan discovered three fake acceptance bills when handling acceptance business and refused to accept them on the spot. This was actually a very common thing. Which bank or money house does not have this problem?
However, due to the instigation of local bill dealers and money houses, the news of the fake bills soon spread to the Ming Dynasty's official money houses, which refused to accept the genuine bills. All of a sudden, public opinion spread and a run on the banks occurred.

It was an acceptance exchange, not a money shop or ticket exchange. Depositing and withdrawing money required time to verify the tickets, and the business itself was quite complicated. Add to that the crowd, and Songjiang Huitong Hall looked precarious.

The credibility of the Ming Dynasty court was almost zero. People who heard the news were afraid that the bills of exchange in their hands would really become a pile of waste paper, so they rushed to Huitongguan to cash them. The owners of local bill offices and money houses continued to stir up public opinion, saying that watching the funeral was a big deal.

In order to calm people's panic, Huitongguan had to post the three counterfeit bills that had been confiscated in front of the door of Huitongguan and added identification instructions, but people still did not calm down. Sheng Huairen, the Tongzhi of Huitongguan, required Huitongguan to exchange the silver as soon as it arrived and take the real bills immediately. On the third day, the silver in Huitongguan ran out, but on the fourth day Sheng Huairen waited for his savior, the silver from the court arrived.

Songjiang Prefecture dismantled 500,000 silver coins in cash, Sun Kehong, the general manager of Songjiang Ocean Trading Company, took out 500,000 silver coins in cash, and Beiya Huitongguan urgently mobilized 1.5 million silver coins in cash. With the efforts of all parties, Huitongguan's liquidity crisis was resolved and its promise was fulfilled. Seven days later, people began to handle acceptance and remittance business in Huitongguan again.

When people went to handle the matter, they found that Huitongguan had set up a very high threshold. The official bank Huitongguan would not handle silver exchanges below one thousand taels.

When the bank run occurred, Sheng Huairen discovered that these small households had the largest number of people, more than 80% of them were small households, and the scale of silver held by these small households accounted for less than 20% of the exchange scale of Huitongguan. The Huitongguan's yamen was not very large, and its reception capacity was limited, so it could not handle business in a timely manner, which was the reason for the bank run in Huitongguan.

The momentum of the powerful and wealthy people's clamor is not worth mentioning. The main reason is that Huitong Hall can only accommodate a small number of customers at the same time. A large number of small households are unable to handle their business, so the panic will intensify and it almost led to a storm that attacked Huitong Hall.

Since then, Huitongguan no longer handled silver exchanges below one thousand silvers, and even in the 12th year of Wanli, the threshold was raised to five thousand silvers.

Just like when there was a weaver who used her identity to deceive marriage, which caused the government workshop to completely close its door to weavers, after that run on the bank, the convenience of Huitongguan and acceptance exchange became exclusive to a few people. This is the reality and also the contradiction. Many experiences are life-and-death crises. Huitongguan must first survive before it can talk about the future.

Chen Mo did not feel pity for the people in front of him. Most of them were speculators who believed in the pie-in-the-sky stories. They knew exactly what Baozhuang was going to do with the money and what kind of business they should do to get such high interest. How could anyone with a little bit of rationality believe those fantastic promises?
With the mentality of getting rich overnight, they put all their assets into it, and even borrowed a lot of money to invest. When nothing went wrong, they felt that the court was too involved and interfered too much, so when something went wrong, they asked the court for justice.

Speculators are accomplices of the tiger, because in that era of slow transportation, each baozhuang had very distinct regional characteristics. The people who lent money were all recruited by people from the same hometown. Even though they knew it was usury and loan sharking, they still gave the money to the baozhuang.

These people were also opposed to the control of interest rates by the Ming Dynasty Law and the Ming Dynasty Code, and still believed that the court was too lax in its control.

Now that a run on banks has occurred, if Chen Mo were to deal with it, he would definitely ignore it. Every failure makes one wiser. Only by suffering a loss can one understand the good intentions of the court.

"Open the way." Chen Mo resolutely carried out the emperor's order. Since His Majesty asked him to come, he had to do the job assigned by His Majesty well.

Two imperial guards pushed the crowd away, and Chen Mo came to the gate of Zhengqibaozhuang with an iron plate. He stood on a stool and nailed the iron plate to the wall. He did not get down from the stool, but looked at everyone. With the appearance of the Chief Justice in the Embroidered Spring Knife and Flying Fish Suit, the crowd quieted down.

"General, what is this?" A brave man asked Chen Mo what he was going to do.

"You are not allowed to call me General. You can call me Captain Chen. I am Captain Chen Mo, the Chief of Justice of the Northern Yamen. This notice board is engraved with the real owner of Zhengqi Baozhuang, the Zhou family of Shanghai. You can go and ask for it. The agent and comprador of Baozhuang can't run away, and neither can the business." Chen Mo didn't dare others call him General.

If he calls himself a military lord in front of the people and is called a military lord without being corrected, and the generals leading the troops find out, it will not only lead to a verbal battle, but also to life and death. Chen Mo has punished him more than once, forcing him to run ten miles fully armed for a month.

The military discipline of the newly formed Beijing camp and navy by Qi Jiguang and Yu Dayou was very strict.

The head of the Shanghai Zhou family is named Zhou Ba, nicknamed Zhou Paopi. Before the land was returned to Songjiang Prefecture, he had 1,000 hectares of land. But among these 1,000 hectares, only 300 were cultivated, and the rest were all abandoned. It was not that Zhou Paopi did not want to cultivate the land, but that no one was cultivating it.

Because the tenants working under him would be skinned alive if they didn't die, the only way for a tenant farmer like Zhou to survive was to flee and become a refugee.

When the time came to return the land, Zhou Pa Pi only had 300 hectares of land. He refused to return the remaining 700 hectares on the grounds that the land had been abandoned. Before the Shanghai County Government had a chance to cause trouble for him, he was already in trouble with the excited speculators.

"Let's go to Zhou's house!" The man who was asking the question waved the voucher in his hand vigorously and shouted at the top of his lungs: "Today, we must make Zhou Paopi give us an explanation! If he doesn't give us the money, we will rush to his house!"

Chen Mo looked at the scene indifferently and watched the crowd leave. He had no intention of following them. He didn't care what happened. Zhou Pa Pi was beaten to death, which was the business of the Shanghai magistrate. He came here just to nail the iron plate. After seeing that everyone had left, Chen Mo went to the next house with the iron plate in his arms.

After the Tax Inspection Office completed the penetration, the iron plate was ready, waiting for this scene to appear. Chen Mo felt that His Majesty was right. The paper money in the currency law was a debt. The court owed the people a debt. The guarantees in the hands of these speculators were also a kind of paper money. Under the emperor's instigation of the iron plate, the entire Songjiang Prefecture had no way to run, and the angry crowd surged towards the gates of these powerful and powerful people.

"I thought I was going to be scolded, but it turns out that these writers are out collecting debts and have no time to scold me." Zhu Yijun flipped through the miscellaneous newspapers on the table. August 15th was supposed to be the day when biweekly magazines were published, but there were only a few newspapers in Songjiang Prefecture that could be published, and no writer in Songjiang wanted to scold the emperor.

Everyone is very busy. They don’t even have time to collect debts, so who has time to curse the emperor?

"Your Majesty, they don't have the time for that now. Songjiang Governor Shen Shixing has submitted a memorial requesting that restrictions be placed on private credit bureaus, bill exchange offices, money houses, insurance houses and other types of private business, and that their qualifications be strictly reviewed. Their accounts must be submitted to the Tax Inspection Office for supervision." Feng Bao handed a memorial to His Majesty.

The translation of this memorial is about the construction and exploration of the financial management system. The Insurance Bureau was renamed the Insurance Supervision Bureau. At the same time, its functions were expanded from state-run insurance to supervisory management. Preliminary planning was carried out for internal government offices, government offices directly under the Maritime Customs Office, and dispatched government offices. Together with the Tax Inspection Office, it will conduct penetrating supervision on the entire industry involving silver to ensure the financial stability of Songjiang and even the prefectures where the Maritime Customs Offices are located in the hinterland.

"Let's add the Ningbo Shuangyu Maritime Customs and establish the Ningbo Huitong Hall together." Zhu Yijun had no doubts about this charter, but he added the Ningbo Maritime Customs as an additional component.

The east wind that opened the sea never blew to Zhejiang, and Zhu Yijun finally chose to forgive. The Ming Emperor's knot about Zhejiang disappeared as all the powerful and wealthy people who owned more than 100 hectares of land in Zhejiang were confiscated.

"I obey the decree." Feng Bao bowed his head and said.

After Zhu Yijun finished reviewing the memorial, he said in confusion, "This was not written by Shen Shixing himself. If he has this ability, he should be in the cabinet now. Did you help him, sir?"

Zhang Juzheng was the Minister of Personnel in the 13th year of the reign of Emperor Wu of Han. He had extensive experience in system design. The transition from the Insurance Bureau to the Insurance Regulatory Bureau seemed to be only one word different, but the two were worlds apart. The system design in this memorial was logically rigorous, and even the appointment of specific personnel was included. For example, the director of the Insurance Regulatory Bureau, Sheng Huairen, was the former co-director of the Huitongguanyi Station in Songjiang Prefecture.

No matter how you look at it, it doesn't look like Shen Shixing did it himself.

"Your Majesty is wise. It was indeed done by you, my Lord. Your Majesty, you are now the Grand Tutor and the Earl of Yicheng. If you submit this memorial, it would be considered presumptuous. Your Majesty did not want to agree, but had to agree for your sake. So it was Shen Shixing who proposed it, you conceived it, and Shen Shixing wrote it." Feng Bao explained that Zhang Juzheng was not trying to protect his reputation. He was in a high position and was afraid that the emperor would be embarrassed, so he used Shen Shixing's name.

What if the emperor wanted to sit back and watch the conflict continue? Therefore, it was just right for Shen Shixing to write for him.

"Sir, you worry too much, but you are very ruthless." Zhu Yijun smiled. He and Zhang Juzheng had quarreled many times, but Zhang Juzheng had never used his favor to gain power over others, and Zhu Yijun had never been afraid of Zhang Juzheng. The future of the New Deal was in his hands, and that was what Zhang Juzheng cherished most.

Of course, it is also what Zhu Yijun values ​​most.

In terms of rules and regulations, the punishment for embezzlement is public beheading and exile of the family to Java; the financial supervision system is fully connected with the Ministry of Justice and the Northern Pacification Office to ensure smooth connection. In the case of crimes that cause serious adverse effects, the maximum penalty is imprisonment.

These are the only two crimes in the Ming Dynasty's legal code that could lead to sentencing to the Kaikuin, the other being collaborating with the Japanese.

Collaboration with the Japanese, a private room in Jiekuin, now has an additional serious and negative impact.

As for rebellion, which is an unforgivable crime and not punishable by law, it is within the emperor's power.

Zhang Juzheng is still the same Zhang Juzheng, cruel and ruthless.

Zhu Yijun fully affirmed the contents of this memorial. The institutional design of the Insurance Regulatory Bureau had been planned and would be completed before the end of the 13th year of Wanli.

"How's the situation in the Southern Court? Is there any difficulty for General Hai?" Zhu Yijun asked about Hai Rui's situation in the Southern Court. Zhu Yijun left two things behind when he left. The first thing was to completely split up the Southern Court. Li Le was not capable of doing this job, so Hai Rui had to step in personally. The second thing was to fight against corruption. In this matter, the court did not trust Li Le, the governor of Yingtian. To be precise, it was Zhang Juzheng who did not trust him.

Zhang Juzheng also once doubted Yin Zhengmao and Ling Yunyi. He did not trust the local governors and frontier officials. He knew better than anyone the alienation of power on people. The former Sichuan governor Luo Yao was his direct descendant, and he dealt with him personally.

Zhang Juzheng was not sure whether Li Le was in cahoots with the local authorities. He just needed Hai Rui to investigate and everything would be clear. A person with a clear conscience has nothing to fear. He would investigate and see whether there was any problem or not.

"Governor Li is still Governor Li. He actively cooperates with General Hai. So far, there is no problem. As for the division of the Southern Court, everything is going smoothly." Feng Bao found Hai Rui's memorial, placed it in front of His Majesty and said, "Nanjing garrison eunuch Zhang Jin said that General Hai had a difficult time, but in the memorial, General Hai said that everything was going smoothly."

The news Feng Bao learned was that Hai Rui had experienced a very difficult political struggle time and time again, pushing all government orders forward in a stable and orderly manner, but Hai Rui only reported good news and not bad news, only saying that everything was fine.

"What happened to General Hai?" Zhu Yijun finished reading the memorials. Just as Feng Bao said, they were all good news. It seemed that the entire Southern Court was united in fully implementing the court's decrees.

"In fact, it's the same old tricks over and over again. General Hai handled it smoothly, but it's still a bit difficult." Feng Bao explained in detail Hai Rui's situation in the Southern Court. All the crises became less important because they could not eliminate Hai Rui himself. This is also the reason why Hai Rui did not ask the emperor for support.

As long as Hai Rui was alive, under the protection of the Imperial Guards, his policies had to be implemented.

"General Hai is still very powerful. Just like what you said, if I don't hold him back, Hai Rui can handle these guys." Zhu Yijun finished listening to Feng Bao's statement.

The most dangerous incident was when someone rushed towards Hai Rui's sedan chair carrying gunpowder. The Ti cavalry discovered it in advance and stopped the opponent. Except for the assassin, no one was killed.

Hai Rui did not waste time in tracing the matter, because it was firecracker gunpowder used by civilians, not granular gunpowder used by the military, so there was no possibility of the leakage of weapons. Hai Rui did not bother to trace it further, and focused his main energy on promoting the splitting of the Southern Yamen.

Jiangsu successfully set up a government office in Suzhou. Fengyang was a little slower, but it was still able to set up a government office before the autumn examination.

However, the autumn examination in the 13th year of Wanli was still held in Yingtian Prefecture, and the next time it would be held in Suzhou, Fengyang and Nanya.

Hai Rui's energy is now focused on the autumn examination. Since Zhejiang has banned examinations for ten years, many candidates from Zhejiang have begun to register as registered residents of the Southern Yamen in an attempt to take the exam. However, Hai Rui reacted very quickly. In order to prevent this from happening, only candidates who had registered as registered residents of the Southern Yamen prefectures before the 13th year of Wanli were allowed to take the examination.

Hai Rui's memorials were mainly about the autumn examination.

The ban on exams must be strictly enforced. It is a punishment, and any behavior that dares to offend the imperial power must be severely punished to serve as a deterrent.

"Most of the baozhuangs in Songjiang Prefecture have closed down, but the baozhuangs run by the Songjiang Sun family have become even more prosperous." Feng Bao talked about a very special situation. In this bank run, the powerful and wealthy were not entirely losers. There were also winners. The baozhuangs run by many sea merchants, headed by Sun Kehong, the general manager of Songjiang Ocean Trading Company, withstood the run.

"Oh? Sun Kehong has so much silver?" Zhu Yijun asked with a frown.

Feng Bao smiled and said, "Because the owners of the Ocean Merchants Bank are really operating insurance, not running money houses and bill shops under the guise of insurance. But if Wanlong Bank makes more money than the Ocean Merchants Bank, I'm afraid no one will be a sea merchant. Sun Kehong is a bit vicious."

Compared with the bank owners who support more currencies, sea merchants prefer more goods. Sun Kehong even clearly stipulates that if you do money banking business, you must withdraw from the ocean trading company. The sea merchants of Songjiang Ocean Trading Company can make a lot of money. Sun Kehong is famous for his vengeance. If you offend him, it will be difficult to survive in Songjiang.

You can make money simply by doing insurance, but the profit margin is very low, only about 3% to 5%.

"Let's invite Sun Kehong to the naval review in a few days." Zhu Yijun frowned and decided to invite Sun Kehong to participate in the naval review in Songjiang Prefecture. The Ming Navy will dispatch two fast sailing ships, ten five-masted ocean-going ships, twenty three-masted plywood ships, and four hundred battleships for the naval review.

The reason why we are not sure about the exact day is mainly because it depends on the weather. Clear sky is one aspect, and visibility is another.

"I obey your order." Feng Bao bowed his head again and accepted the order.

The Ming Dynasty never thought of killing all the powerful and wealthy. What the Ming Dynasty wanted was for them to abide by the law. Zhu Yijun was happy to support businessmen like Sun Kehong and was willing to give them more social status and favors.

"Your Majesty, there is one more thing." Feng Bao said with a gloating look: "The run on Baozhuang has spread from Baozhuang to money houses and bill shops. Several money houses and bill shops have been run to the point of being unable to survive. They are being dismantled everywhere, but there are runs everywhere. It's really a big scene."

The panic brewing from the bank run did not just affect Baozhuang. All the money houses that were watching the fun suffered as well. Unlike Baozhuang, which could just run away at will, most of the money house owners were transparent. All of a sudden, the owners of the money houses and bill exchanges had to dismantle their operations everywhere to resolve the liquidity crisis.

"Governor Shen has reported to the emperor that those powerful and wealthy people who have not yet returned their land cannot be mortgaged or removed from Huitong Hall." Feng Bao looked around and said in a low voice.

"Are all scholars so bad?!" Zhu Yijun's eyes widened suddenly, and he looked at Feng Bao in disbelief and said, "This Master Duanshui really makes me look at him in a new light."

Shen Shixing took advantage of the bank run panic and the need for silver by the powerful and wealthy to solve the liquidity crisis, and immediately implemented the land return order. Those powerful and wealthy who obeyed the court's order and returned their land could borrow money by mortgage from Huitongguan, but Shen Shixing chose to bless those powerful and wealthy who did not obey the court's order.

(End of this chapter)

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