Mrs. Cui was also at the front of the queue holding a bowl, joking with some women and filling herself with mutton soup.
It's obvious that all the women here like her.
Naha also wanted to fill a bowl of mutton bone soup to drink, but Cui dragged her to the side of the small stove, filled her with a bowl full of mutton bones that were almost entirely meat, and asked her to stay in the house with Yun Chu.
Eat slowly.
Naha envied Mrs. Cui who could hold a big bowl and sit in a circle with a group of women to eat meat and drink soup. She wanted to go there several times, but Yun Chu held her down and honestly put the bowl on a clear table.
I ate meat on a borrowed low table.
Lynx always likes to climb high, and they also always like to take food to high places and enjoy it slowly.
After eating the morning meal, and having a short rest, Cui came to Yunchu and whispered: "I asked you, there is a monk who knows the guest in Daci'en Temple."
Yunchu asked strangely: "What temple doesn't have a monk who knows the guest?"
Mrs. Cui looked into Yun Chu's ignorant eyes and said, "We only have women and children at home. It's not appropriate for Mr. Lang to keep so much gold at home."
Yun Chu frowned and said, "You mean we can hand it over to the Zhike monk at Daci'en Temple?"
Mrs. Cui nodded repeatedly and said: "There is a Zhike monk in Da Ci'en Temple who specializes in keeping "Sengdi millet". As long as Langjun gives the gold at home to Zhike monk, the interest money given to our family by Da Ci'en Temple at the end of the year will be enough."
It’s what we chew at home.”
Yun Chu said dullly: "Seng Di Su"? Usury?"
Mrs. Cui nodded and said: "What is common in larger temples is the Buddhist method of mercy. If the common people, merchants, and officials have no money on hand, they can borrow "Sengdi millet" from the Zhike monk and agree to pay back the money at the end of the year.
, which can relieve the worries of the people.
If our family is rich, we can put the money in the hands of the monk Zhike of Daci'en Temple, and let him use our money to lend "monk millet" to people in need, and then give our family interest."
Yunchu coughed and said, "What's the annual interest rate on loan sharks?"
Cui blinked her eyes and said: "Daxingshan Temple borrows grain at a profit of 50%, the money is four times, Qinglong Temple borrows grain at a profit of 60%, the money is five times the money, Fuying Temple borrows grain at a profit of 50%, the money is one
Four times, only Daci'en Temple has the least, borrowing 40% of the food, double the money."
Yunchu sighed and said, "These monks deserve to be killed!"
Cui's eyes widened and she said: "This is a good deed, why should he be killed? When Emperor Taizong was still there, he specially appointed nine officials in the yamen at all levels of the imperial court to take 50,000 yuan from the imperial treasury.
Money, these officials are called "Qian-Zhu Ling Shi".
Each "Qianzhu Lingshi" had to borrow 50,000 Wen from the imperial court and pay an interest of 48,000 Wen to the imperial court every year.
If the work is done well, the court will give it to high-ranking officials."
Yunchu's mental arithmetic was very good. As soon as Cui finished speaking, he came up with a loan sharking system instigated by the government with an annual interest rate of 96%.
"Why hasn't it existed in the past few years? I haven't heard of such a thing in the Western Regions?"
"That was because Chu Suiliang ruined the benefits of making money. I heard that Chu Suiliang told Emperor Taizong: If the money grab continues to flood the history, over time, the positions of officials will be "caught"
"Qian Ling Shi" is full.
At that time, the students trained by the imperial academies, the talented people selected by the local government, and the filial and honest people selected from the best will no longer have the position to be an official.
Emperor Taizong was good at accepting remonstrances, so he agreed to Chu Suiliang's suggestion and stopped the "money-grabbing order".
The imperial court stopped the "money-grabbing order", and monk temples in various places could not bear to see the suffering of the people who had no money, so they began to distribute monks' millet in large quantities.
There is no way, there is little money in the temple, and there are many people borrowing money. In order to let people borrow less money, the temple raised the interest rate. Unexpectedly, there are still so many people borrowing money, even more than before.
Langjun, the abbot of Da Ci'en Temple is Master Xuanzang, who has an excellent reputation in the capital. You will definitely not go wrong if you put money in the hands of Zhike Monk of Da Ci'en Temple."
Yunchu fell into long thought...
He used to think that the maximum interest rate of 17% set by the state was a bit evil, but now...
At noon, Yunchu drove the carriage around his yard and then went to Da Ci'en Temple with Cui and Naha.
He didn't mean to make loan shark money, he just wanted to know how this thing worked.
The monk Zhike was nice, white and fat, and always smiled like Maitreya Buddha. When Yunchu explained the purpose of his visit, his fat face suddenly drooped, like a bully dog.
"Please follow."
Yunchu, Cui, and Naha came to a place called Xiangjichu. The monks here didn't chant sutras very much, and most of them used calculations to settle accounts.
The monk Zhike sat cross-legged on a futon with difficulty and said to Yunchu: "Master Xuanzang has a lot of complaints about Xiangji Kitchen. The donor put the money in Xiangji Kitchen. Please don't make it public, so as not to damage Master Xuanzang's fortune."
reputation."
Yun Chu nodded with a smile on his face and said: "This is natural, this is natural, we are here because of Master Xuanzang's compassion."
The monk Zhike nodded and said: "The world is difficult, and ordinary people have hard-to-satisfy desires. They always want to want everything, but they don't know what will happen if they get it.
They are obsessed with it. Even though they know that the road to hell is right in front of them, they only want to win again. They always think that they will be the most different ones on the road to hell. Poor, pitiful."
Yun Chu nodded and said, "You are indeed seeking your own death."
The monk Zhike put his hands together and said, "My Buddha is compassionate!"
Yunchu also clasped his hands together and said, "My Buddha is compassionate."
Yunchu's loan sharking process was very peaceful and compassionate, and two thousand taels of gold of different colors were sent to Xiangji Kitchen.
Zhike Monk gave Yun Chu a document. The contract in the document was very detailed and meticulous, and the three rights, responsibilities and benefits were also stated very clearly. As for this money contract, Yun Chu found that it was almost the same as the documents of later generations.
There is no difference. It can be seen that as long as property is involved, people's level of evolution is always very high.
Yun Chu originally wanted to enjoy the 70% profit that he borrowed in the spring and repaid in the autumn, but unfortunately, the money was not only his, but also the property of Fang Zheng, He Yuanshan, Liu Xiong, and five Zhanggu. Yun Chu could only follow
Zhike Monk signed an agreement to take back the money at any time, which allowed him to only enjoy 30% of the interest.
Originally, he wanted to take a nice tour of the Daci'en Temple, but after signing the contract, Yunchu didn't like this splendid temple very much, even though the abbot of this temple was Master Xuanzang, who had an affair with him.
It was much easier to go home again, because the people who worked at home specially opened a gate on the wall of the back house that was large enough for a carriage to enter.
This made Yunchu very unhappy. Why did the door of his back house face a monk's temple?
You know, Xuanzang's eldest disciple Bianji was a real flower monk. Although this guy has been cut in half by Emperor Taizong, it is estimated that his legacy will not go away for a while.
Although there is only one girl and a middle-aged woman in the family, it is still necessary for Jin to guard the family.
When he returned home, Yunchu was very satisfied with the work efficiency of the workers. At least, his two wells were now brand new, and the water in the wells was as clear as jade pulp.
Now that I think about it, the idea I gave to Cheng Chumo really failed. It’s not that there are no banks in Datang. Others have them. The interest rates are higher, and the outlets are all over the north and south of the Yangtze River and both sides of the Yellow River.
The reason why Yunchu thought this was entirely due to what Zhike Monk said, the money stored in Daci'en Temple could be withdrawn from Baima Temple in Luoyang Temple or Daming Temple in Yangzhou.
This damn thing is the famous exchange exchange!
This made Yun Chu, who considered himself a civilized person, ashamed and ashamed.
Half a month passed, and Yunchu got an antique home. In the home, Cui hired fifty or sixty needleworkers to prepare soft furnishings for Yunchu's new home.
After the gray tiles were washed with clean water, they turned into a bright blue color. Although there was a thin layer of ice, according to the craftsmen, this would actually make the house warmer.
These days, Yunchu and Naha kept running to the West Market, buying everything they needed for their families.
It can be said that money is spent like water.
Ms. Cui was also spending money, and she spent a lot. Taking advantage of the Yeting Palace slaves and servants auction, she actually spent 109 guan to buy ten servants for the Yun family. These ten servants
Among them, there are seven girls, the oldest is thirty-seven years old, the youngest is nine years old, the average age is thirty-three years old... and the girl who is only nine years old is worth fifty gold!
None of the three men had the same appearance. One was as strong as an ox, but he seemed to have some brain problems. He had not spoken a word all day long and asked for a drink for the first time after meeting Yun Chu, the head of the family.
As for the last one, he is a normal person, with a well-proportioned figure and fair skin, but the pockmarks on his face don't seem to be natural.
The older women seemed to be retired maids from the palace. Because they had no family, and because they were too old to have children, no one wanted them, so they were half sold and half given away to the Cui family.
The little girl is quite smart, and she doesn't look like she comes from an ordinary family. Standing next to Naha with her pink face, she looks more like the little lady of the family than Naha, a rough kid.
When Mazi closed the door of Yun's house, he also shut out the wind and snow outside.
A group of people followed the head of the family, Yunchu, and inspected the home.
There were mountains of firewood, a warehouse of charcoal, enough rice for the thirteen family members for a whole year, seven or eight large vats of sesame oil, and three skinned sheep hanging from the beams.
Describe the wealth of this family.
The windows are covered with peach blossom paper soaked in oil. According to the merchant, the biggest advantage of this new bast paper is that it is not easily damaged and will not crack even in heavy snowstorms.
Yunchu agreed with the merchant's statement, because the merchant tore it with his hands in front of him, but it was not torn. Although Yunchu tore it with force, he still approved of using such things to paste the windows, because this kind of toughness
After the leather paper is soaked in oil, it can actually become slightly transparent.
The whole house was spotless. Even if there was white snow falling in the yard, it was so clean that it seemed you could pick it up and put it in your mouth.
The whole house is new, including the clothes and bedding of the eleven servants.
After looking at the new home, Yunchu stood under the eaves, looked at the ten new servants and said: "Live here with peace of mind, no one will hurt you, your existence is to make life easier for all of us.
rather than sad.
I don’t want there to be bad people in this family, and I don’t want anyone in this family besides me and Yun Na to have any unfinished business, or to regard my place as a place to make a comeback.