Song Qingyue said: "As Auntie said, not everyone needs to take the merit test. However, even if you don't take the merit test, you can come to me to get a job! If it's an ordinary job, I can find anyone. But there are some

Errands must be done by people who can write and do calculations. Look at them." Song Qingyue pointed at Mo Yun, Mo Fan, and Mo Ping, "What do you two aunts think of me, the first-class maids?"

When the two aunts took a look at their clothes and the jewelry on their heads, they seemed to be more noble than the ladies from the squire's family!

Song Qingyue didn't wait for them to answer and then continued: "All of them can write and do math. Even if some people are not interested in my work here, I know a lot of people in the capital. If he is really smart and capable, who does he belong to?

Is this an errand that this concubine cannot introduce?"

These words were really tempting, and the two aunts were deeply attracted by the big cakes painted by Song Qingyue.

They also didn't think about how in this world someone could spend money to train talents for others? Song Qingyue must keep it for herself.

But as she is now a widow and a Buddhist monk, she can only say this.

"Okay, this matter, I need to trouble the two aunts to publicize it among the neighbors after they go back. Children from other alleys can come if they want. Reading and writing is a good thing. The more people come to learn, the better!"

The two aunts were very excited and said, "Prince Princess, are we in trouble?"

I’ve met a living Bodhisattva! This is really true! How embarrassing are we!”

Song Qingyue did not continue to say polite words to them, but changed the subject very abruptly: "Let's talk about loans... borrowing money. Have everyone thought about it?"

The two aunts were stunned by her no-nonsense speaking style. Then Aunt Liu nodded hurriedly and said, "Think about it, think about it! My family wants to borrow three thousand yuan."

Aunt Wang said, "My family wants to borrow four thousand yuan."

Song Qingyue nodded, motioned to Mo Yun on the side to take notes, and said: "Don't worry, come one by one. Aunt Liu, you come first. What are the names of Aunt Liu and the head of your family?"

Mo Yun quickly took out the form book she had prepared, took out an ink-soaked pen, and quickly started recording.

"I am Mrs. Liu, my nickname is Ahua, and my head is called Guan Zhaoyun."

Mo Yun wrote down "Guan Zhaoyun, Liu family".

"Are they all from the capital?"

"Yes, yes! They are all from the capital, and my natal family is in Maple Leaf Alley."

"Do you have any relatives elsewhere?"

Aunt Liu said: "I have a girl who married in Tianjin."

"Do you know her address?"

Aunt Liu was stunned when the Crown Princess asked this. Song Qingyue said, "Don't be afraid, Aunt Liu, because I don't ask for any collateral when I lend you money, so I'll ask more."

"Yes, yes, it should, it should." Aunt Liu nodded, the smile on her face was not as bright as before, but more respectful.

So many questions made her realize that this Crown Princess was by no means some easy-boiled person who only knew how to spread money. She was someone who could never be deceived or taken advantage of.

After that, Song Qingyue asked her in detail where the head of the household worked, how much his monthly salary was, whether he had any bad habits such as drinking, gambling and going to brothels, how many children there were in the family, how old they were... and so on.

After a series of questions, she almost got a clear picture of her family's situation.

Finally, Song Qingyue asked again: "How much do you want to borrow, and how much do you plan to repay every month?"

Aunt Liu then said: "Three thousand coins, I plan to pay back 250 coins every month. The head of the house wants to pay it back as soon as possible."

Song Qingyue had just calculated her family's income based on her family's situation, and said, "Yes, yes, but if your two daughters-in-law give birth to babies, it would be a bit reluctant to pay back 250 cash per month."

Why don't you go back and discuss it with the head of the family? Also, if the two daughters-in-law want to come and learn how to read, we welcome them, and we'll take care of lunch."

Looking at Song Qingyue's face as beautiful as a fairy, Aunt Liu no longer regarded her as a kind-hearted young lady who was inexperienced in the world. Instead, she felt a trace of awe in her heart that she was not even aware of.

"Aunt Liu, please go back and discuss it carefully. If you don't repay the loan on time, there will be a fine." Song Qingyue said seriously.

With such a low interest rate for an unsecured loan, if you don't take it seriously, you will definitely lose money.

She, Song Qingyue, is willing to do good deeds, but not willing to engage in loss-making business.

Aunt Liu's fiery heart felt as if a basin of cold water had been poured on her. She nodded, thinking about Song Qingyue's words, and walked home.

Aunt Wang who was standing aside was frightened by Song Qingyue's posture just now, and her attitude was much more serious than before.

But this time it was not Song Qingyue who asked in person. With her demonstration just now, Mo Yun and Mo Hen immediately began to carry out the task instead.

One question, one record.

Aunt Wang answered very seriously, and in the end she said with some uncertainty: "Originally we wanted to pay it off in one and a half years, but now it seems that it is too much. I also want to go back and discuss it with the head of the family and the other sons."

Song Qingyue smiled and nodded, saying: "Don't be in a hurry, let's discuss it in detail."

After the two aunts left, Song Qingyue said to Mo Yun, Mo Fan and others: "You finish recording the information, and then go check the information with the neighbors. If any deception or lies are found, the loan will not be issued. The maximum amount is

Five thousand Wen, no matter how much it is, I won’t borrow it. If someone in the family likes drinking or gambling, I won’t borrow it. If your household registration is not in the capital... the maximum limit is three thousand Wen.”

After saying that, she thought about it again and then

Said: "That's all I can think of for now, what do you think?"

Several Mo Mo lowered their heads and thought carefully, Mo Yun said: "What if you have registered residence in another place, but are willing to provide collateral?"

Song Qingyue shook her head and said, "We don't run a pawn shop here."

Mo Yun said: "But if you are a tenant with a household registration outside the capital, you probably have even less savings on hand."

Song Qingyue said: "So you have to help calculate the turnover! If you are unable to repay the debt, you will not be able to borrow. Wouldn't that harm others? Therefore, I ask you to write your name on every loan.

.”

The girls' expressions immediately became serious. This meant that they would have to take responsibility if they had someone who couldn't pay for it!

Song Qingyue smiled: "You don't have to be too nervous. Bad debts will definitely happen. There are too many accidents in life, and it is inevitable that there will be times when debts cannot be paid. But we must ensure that the bad debt rate cannot exceed 3%.

, after all, our interest rate is only 5%. This is something I want to gradually expand the scale in the future and continue to do it. If you show too much sympathy and make me not want to do it, it will not be beautiful."

Mo Yun looked like she wanted to say something, but she hesitated and did not open her mouth immediately.

Song Qingyue immediately said: "Mo Yun, if you have any ideas, just tell me."

Mo Yun said: "What if someone wants to come over and borrow money to buy medicine? If her parents are dying of illness, should we borrow the money or not?"

Song Qingyue raised her eyebrows: "Good question." She touched her chin and started thinking.

It's not that she hasn't thought about medical insurance, but without strict terms and under the underwriting system and compensation system, it is easy for the insurance to fail to maintain itself. At that time, efforts and money have been spent, things have not been done well, and the people have been left in vain.

Spend money and it won't end well.

Medical insurance has problems frequently in modern society. It would be strange for the Zhou Dynasty, which was imperfect in all aspects of medicine, finance and legal system, not to have problems!

Not to mention medical insurance, medical expenses are a bottomless pit in modern times. Not to mention that in ancient times, many Chinese herbal medicines were actually very expensive. If you borrowed it once, you would have to borrow it a second time. The limit of five taels of silver may not work at all.

Thinking of this, she hardened her heart and said: "Medical loans will not be disbursed for the time being. Remember, although we have to be conscientious in doing things, being conscientious does not mean that we are obligated to be kind. If you want something that can last for a long time,

If we continue to do it on a large scale, the bottom line is not to engage in loss-making transactions! Therefore, we are only issuing housing loans now. But the situation mentioned by Mo Yun is indeed worthy of consideration. Everyone should also think about any good ideas and write a report after thinking about it.

I have something else to do. I’m going to go out with Mr. Zeng. You guys have carefully handled the housing loan. Let’s think of other things and do it step by step.”

"Yes, Crown Princess, don't worry!"

Everyone said in unison.


Chapter completed!