Bachelor

Chapter 435 Lending
Seeing the sudden heavy rain, Sun Dan was startled, and suddenly had a bad premonition.

Zhi Niang and Ting Lan are preparing his luggage, while he is also reading in the study.Seeing that it was raining heavily, he threw the book in his hand and said, "Come here."

Han Yue came over: "Master."

Sun Dan: "Go and make an appointment with Lu Bing right away, just say that I want to meet him once, do you know where he is now?"

Han Yue replied: "Returning to the master, Mr. Lu is on duty today and is sitting in the Beiya."

Sun Dan: "Okay, I'll go over right away and let them prepare the carriages and horses."

Before going to Huai'an, Sun Dan still had one thing on his mind that he needed to meet with Lu Bingzai once.

He went to Beiya by car in the rain, and happened to meet Lu Song, the father of Lu Bing, the commander of Jinyiwei, at the door.Sun Dan was also familiar with him, so they chatted casually.Lu Song smiled and said: "Mr. Sun came just in time, Lu Bing is reviewing his homework, you just happened to give him some pointers."

Sun Dan was stunned, and it took him a long time to come back to his senses: "Lu Bing is going to take part in this year's imperial examination?"

Lu Song: "It's martial arts." He sighed and patted his gray head: "I'm old, and I won't be able to do it for a few years. I should step down early and let young people take over."

It was only then that Sun Dan remembered that in real history, Lu Bing was the champion of martial arts in this imperial examination, succeeded his father as the commander of Jinyiwei, and became the head of the Ming Dynasty's secret service.

As Lu Song said, Lu Bing was reading a book in the study, and when he saw Sun Dan coming, he put the book in his hand on the desk: "Jingyuan is here, aren't you going to Huai'an, why haven't you left yet?"

Sun Dan: "I'm going south by boat tomorrow. Before I leave, I still have one thing to worry about. I want to come and ask you for advice."

Lu Bing: "But it's about the Suining River embankment?"

Sun Dan was a little surprised: "Your news is fast."

"Come on, you don't need to get involved in that matter, we are all buddies, I don't want to see you fall into it." Lu Bing said lightly: "Jingyuan, why bother, why bother! We all went through tribulations together, There's no need for such a deadly move."

Lu Bing's words were very straightforward. In fact, everyone knew that Sun Dan went to Huainan this time to preside over the government test, but in fact he received a secret order to investigate the Suining River Defense.However, the governor of Nanhe, Wang Shu, is a member of Huang Jin, so there is a real problem. Huang Jin will definitely have another conflict with Sun Dan.Lu Bing is generally a kind person, so naturally he doesn't want to see his former friends fight to the death.

Sun Dan smiled: "Let's not discuss this matter, I'm here today to talk about the Lu Family Bank."

"Oh." Lu Bing was a little surprised. In the past two years, the business of the Lu family bank has been booming. The Lu family banknotes have been used throughout the entire north of the Yellow River, earning a lot of money for several shareholders.Today, the major shareholders are some of the richest people in the capital.

Sun Dan looked at the rain outside and said: "The weather is not good. I am worried that there will be a flood this year. But the treasury is empty, and there is no money for disaster relief. I wonder if I can find a way here at the bank." ?”

Lu Bing didn't expect Sun Dan to say such words, and suddenly felt admiration in his heart, and sighed: "Yes, anyone with a discerning eye can see that this year's weather is not good, and we should share the worries of the court with the father. But , there is not much silver in the bank, even if you take it all out, it will not help you. Also, there is His Majesty's shares in it, if his money is used, I'm afraid..."

Sun Dan smiled and said, "It's not about using His Majesty's money. What I mean is, can the bank issue bonds and borrow some money from the people for disaster relief. Let's use Fangshan weaving as a guarantee." Anyway, this bank Sun Dan At the beginning, it was also preparing for the preparation of the central bank in the future, and now is the time to play its role.

Although it is not a good idea to be a guarantor, seeing the imminent disaster, personal interests are not so important.In fact, Sun Dan has a huge net worth now, so the so-called money is just a numbers game for him.

Besides, taking this opportunity to raise funds will be of great benefit to the future development of the bank.Why not do it.

Hearing what Sun Dan said, Lu Bing was in awe.He originally thought that Sun Dan came here this time to speak ill of Huang Jin, and then asked him to use Jin Yiwei's resources to facilitate his future trip to the south.But I don't want to, Sun Dan doesn't talk about personal affairs at all, which has to be admired.

Lu Bing stood up and gave a deep bow: "Jingyuan has such thoughts, and Lu Bing is very touched. I didn't say anything, but I am the guarantor. I will take the Lu family's property as a guarantee."

Lu Bing looked excited: "It's okay if there is no flood. If something happens, even if the family is destroyed, Lu Bing will not hesitate. My father and son in the Lu family also have a salary of several hundred taels of silver every year, and we will not die of hunger."

Sun Dan laughed: "Brother Lu, you don't have to be so pessimistic. It's not like throwing your money and mine into the water, it's borrowing it out, and it's not that you won't take it back. To say that I'm not afraid of you laughing, I, Sun Dan, am a fool." People who are not used to living in poverty. Besides, there is His Majesty’s money in the bank, so it’s really in vain, and it’s hard for you and me to explain to Your Majesty.”

"This..." Lu Bing looked puzzled.

Sun Dan said: "In this way, our bank will come forward to collect money and lend it to the Ministry of Accounting. The Ministry of Accounting will use this year's Shandong salt tax as collateral, and the interest will be divided into three. The Ministry of Accounting and His Majesty's side, please go and negotiate on your behalf."

Lu Bing stuttered a bit, his forehead was full of sweat: "Is your majesty and the prime ministers answering the loan to the court?"

Sun Dan's business has made it to the top of the court, isn't this a bit too courageous?
Sun Dan didn't take it seriously: "The cabinet is poor and crazy now, and the prime ministers are eager for someone to raise funds for them, so why don't they want to. As for His Majesty, hehe, a small half of this bank belongs to His Majesty. His Majesty also has a share of the money earned by the bank. Do you think he will not agree? As long as His Majesty nods, this will be done?"

Sun Dan knows Jiajing and Wanli after Jiajing and other generations of Ming emperors very well.These two fathers are both lovers of money, and they will be energetic when it comes to money.There are emperor's shares in the bank, and the debtor is the treasury, not the emperor.What Sun Dan did was actually taking the money from the treasury into the bank, and then he, Lu Bing and Emperor Chuyi divided it up.You said, would the emperor not agree?According to the system of the Ming Dynasty, the money in the treasury has nothing to do with the emperor.

If it really doesn't work, the business is done, and at worst, let the emperor take more shares.

The emperor took half, and Sun Dan and Lu Bing shared the other half.

In this way, a lot of profits can also be obtained.

In fact, with the corrupt financial situation of the Ming Dynasty, Sun Dan did not expect the Ministry of Households to pay back the money.Anyway, with Shandong's salt tax as a guarantee, the annual interest alone is a steady stream of money.Sun Dan also wished that the Ministry of Household Affairs would not be able to repay the loan. He only needed to put down the loan for three years to get all the principal back.The rest is profit for nothing.

The money bank is the bank, and the task of the bank is to make money by lending money.

"Okay!" After thinking about this, Lu Bing also felt very excited: "I will go to see His Majesty right away."

When it was time to say goodbye, Lu Bing still kindly reminded Sun Dan: "Jingyuan, you and Huang Jin have no grudges that cannot be unraveled. We are all friends, so why bother?"

Sun Dan secretly sighed: This Lu Bing is really a bad guy, why does Huang Jin keep targeting me, Sun Dan, not because of power.The power struggle is the cruelest, no compromise is allowed!

(End of this chapter)