Zhang Buyi's sexy moves caused Wang Buxian to roll his eyes.

Are you afraid that you are thinking about shit?

You’ve even thought about the tombstone, but don’t you know that the more luxurious the tomb, the more trouble there is?

Wang Buxu was even considering whether to find an opportunity to kill Cao?

In this way, maybe in a few hundred years there will be no such person as Cao Cao, and there will also be no such profession as Captain Mojin.

But after thinking about it, I rejected this idea. It was too naive.

Even if there is no Cao Cao, he still has Wang Cao, Liu Cao, and Chao Cao.

What should appear will still appear, and there is absolutely no way to stop it...

Soon, this matter was forgotten by Wang Buxu.

It was a problem that we really couldn't solve on our own, so the only way we could do it was to order everyone to be buried lightly.

By then there will be nothing valuable in the tomb, so the captains will naturally not be tempted to touch the gold.

But the problem is that it is not in line with our noble status to bury it lightly. What do we nobles want?

Isn’t it just a matter of face?

You live for the sake of face, and you have to live up to your reputation when you die. Otherwise, what sense of pride would there be in staying with those poor people?

You really deserve to suffer. Since you have enjoyed the glory and wealth, you must also bear the burden brought by these glory and wealth accordingly.

On the other side, the envoys from the Western Regions who had just entered the city approached the Ministry of Commerce one after another.

When the Ministry of Commerce saw so many people, they naturally couldn't deal with the small fish and shrimps, so they had to invite Tian Dan out.

Who is Tian Dan?

To put it nicely, he is the Minister of Commerce, one of the top bosses of Han Dynasty.

But to put it harshly, he is actually just a Tian Papi.

Soon, Tian Dan understood the intentions of these envoys from the Western Regions, and he was very supportive of this kind of thing.

After all, this was originally part of his plan, and he also expected to use these people to help stimulate the production capacity of the eastern industrial zone.

This trip was actually due to Tian Dan's efforts to promote it.

"It's easy to say about the Ministry of Commerce. I will try my best to provide you with the convenience that should be provided. However, I can't give you confidence about the bank now. But in the near future, we will be a family. Let's do it.

Zhang Shangshu of the Ministry of Revenue has been invited here, and we will decide on this matter today." Tian Dan thought for a while with a slightly embarrassed face, and then said with difficulty.

"Okay! Okay! Sorry for bothering Shangshu Tian!" The envoys expressed their thanks one after another.

They know about banks, and they also know about loans, but not everyone can get a loan. First, you must have something to pledge.

These people obviously have no collateral, so they are not eligible for the loan.

Tian Dan was able to come forward to help them make an appointment with the Minister of the Ministry of Revenue, which can be regarded as a favor. Although there may be some other twists and turns in it, one thing is undeniable. They are indeed not qualified for a loan and do not meet this condition.

.

Naturally, Tian Dan doesn't need to do the invitations himself, he will naturally have someone under him to run errands.

It's the same thing. Tian Dan worked hard and worked hard to do this. How could it be just to help these people with dowry?

It's impossible, don't even think about it, it doesn't fit in with your style as a profiteer.

After about half a quarter of an hour, Zhang Cang arrived late, his face always seemed to be filled with a busy expression.

"What's the matter?" Zhang Cang just came in, and he didn't even have time to look at the people in the house, so he asked directly to Tian Dan.

"They want to borrow money to buy a batch of goods and take them back to sell. Aren't they here to ask you?" Tian Dan pointed at a group of representatives from the Western Regions.

Zhang Cang looked at everyone, thought about it seriously, then shook his head and said, "No, it's against the rules!"

"What are the rules?" The envoys from the Western Regions looked confused. The farmyards were already here, why should there be no rules?

At this moment, Tian Dan's face didn't look good either.

It seems to be saying, you are so stingy and you obviously don't give me face.

"Zhang Shangshu, we are now a family, what else can we do to meet the requirements? Are you worried that they can't afford the repayment or what? If it doesn't work, the Ministry of Commerce will just give them a guarantee!" Tian Dan said bluntly.

"Immediately, at least not yet. As for why you don't meet the conditions, as the Minister of Commerce, don't you still know?" Zhang Cang said angrily.

"Uh... make it clear!" Tian Dan was stunned for a moment, with a confused look on his face.

Zhang Cang was speechless: "There are three types of loans, commercial loans, civil loans, and agricultural loans."

"..." Tian Dan couldn't help but look embarrassed, okay, this time it's his own problem.

As the Minister of Commerce, I actually made an empirical mistake and forgot about it.

And he forgot so thoroughly.

So he looked at everyone with some embarrassment, and then explained: "Everyone, this matter is my negligence, but it is not that there is no solution. But before I talk about the solution, I have to explain to you these three differences.

Loan model.”

"Let's talk about agricultural loans first. It means literally. The amount of a single loan will not be too large and can only be used for things related to agricultural production, such as purchasing seeds and agricultural tools. This needs to be proposed by the people at the township and village levels.

Confirm and supervise the true purpose of the loan before submitting a bank loan."

"Civil loans are mainly used to build houses for the people. They also need to be proposed by the people, and the township government must confirm and supervise that the funds are indeed used for this purpose."

"These two loans are actually not difficult or complicated. The township is only responsible for confirmation and supervision. As long as the money is used for the right purpose, even if it cannot be repaid later, it has nothing to do with them. But if someone embezzles it privately,

If the loan is used elsewhere and the township fails to detect and stop it and report it, then they will need to take responsibility."

"Commercial loans are relatively complicated, because they involve tax payment, so the bank's basic requirements for commercial loans need to specify the place of registration..."

Tian Dan began to explain in detail that the Ministry of Commerce was actually responsible for the registration location.

Previously, Tian Dan felt that if he wanted to rely on industry and commerce to increase his income, he had to get him completely on track.

The easiest way to get on the right track is to form a unified and effective management method.

This plan is mainly divided into two steps. The first step is that all large-scale commercial activities must be registered and filed. Any unit above the county level can file.

At the same time, in order to control the financial resources and ensure that the court's income was not affected, the imperial court put a lot of effort into registration and filing.

Those registered in Luoyang are not restricted by region and can conduct commercial activities in any county in Han Dynasty.

If it is registered in the county, the commercial activities can only be limited to the county. If it is registered in the county, the commercial activities can only be carried out within the county.

In other words, it is a one-way model from top to bottom.

But when it was necessary to go from bottom to top, some caravans registered in Luoyang came into play. They would go all over the country to collect the goods Luoyang needed, and transport them back to resell them to earn the price difference.

Although it seems troublesome, at this stage, it is actually not troublesome.

Just like the Eastern Industrial Zone, he is registered in the county, but this does not prevent his silk and other things from being shipped to Luoyang.

To put it another way, anyone who purchases directly from the Eastern Industrial Zone now must be registered in Luoyang.

Some big dog owners have also made cross-registrations in the Eastern Industrial Zone.

It is similar to the branch company model, and at the same time limits the entry and exit of funds, but when it comes to cross-county transactions, it must be operated through a bank.

Although it is mandatory, it is the same whether it is mandatory or not.

I traveled such a long distance with a lot of money, not to mention being eaten by people on the road, I had to be afraid, and the expenses were very high.

Why not operate it directly through the bank?

Compared with the pitiful handling fees, the cost of funds now is only one-third of running around with money. Why not do something that is good for you?

More importantly, businessmen have also discovered the benefits of this approach.

In the past, when purchasing, you had to go in person or send a family member to go with you, otherwise you would never feel at ease.

Now there is no need, you can just find someone to go to the place of production to purchase.

Do you think you will take the shipment receipt to the place of production to withdraw the money and run away?

It doesn't exist. The bank provides a targeted service. You only need to add ten dollars and you can mark the purpose of the bill on the bill. If you say you want to buy cloth, the money can only be used to buy cloth. You can go there.

You can't even buy porcelain.

Label it yourself to save money?

Sorry, this is not possible, because there will be a backup copy of the shipping receipt, which is different from the backup. This shipping receipt will be invalid. You can only reissue it in person at the bank where you sent the money and pay a small handling fee.

Apply for a shipping receipt.

After all, the person has to send the new bill of lading, and then bring the invalid one back and dispose of it.

Most of the handling fees charged by banks are used for shipping the order. They have to send the copy of the order to the destination faster than you can, so that you can withdraw the money there.

At the same time, a large amount of money must be mobilized back and forth. It is precisely because the scale has increased and the volume has increased that we can ensure a certain profit with such a low handling fee.

Of course, whether the bank is profitable or not is a minor issue.

The real purpose of this series of operations is to check the accounts!

That's right, if you specify the place of registration, the Ministry of Accounts will conduct regular audits in a certain area and compare data from multiple places to check whether you have evaded taxes.

How about this, in the era before the Internet, was this set of operations advanced enough?

The most annoying thing is that the Supervision Department of the Ministry of Household Affairs will compare your account expenses, income, quantity of goods in and out, and destination based on your records at the Luoyang headquarters, and then compare them with the data reported by the place where the goods are sold, so as to prevent fraud in other places.

Goods sold for ten cents are reported to the tax authorities for five cents, thereby evading taxes.

This work is complex and huge, so the Accounts Department uses spot checks, and at the same time requires the caravans to keep accounts and other books, and submit backup copies of the books on time for verification.

The merchants loved and hated him, but they did not dare to express their dissatisfaction in front of Wang Buxu.

And these envoys from the Western Regions finally understood a truth.
Chapter completed!