That little fly

one day later,

"So, this is your son's solution." Madam Shui asked.

"Perhaps we should think on the bright side..." Lord Hou excused awkwardly, "At least until Luzi reaches adulthood, there won't be too many love debts for the little daughter."

"Hehe, or on the contrary, the scope of your son's love debt has now doubled." Mrs. Shui raised her eyebrows, "Because that little Feitian can now kill both men and women."

Ning Renhou stood by the window, looking at the kids fighting outside with a complicated heart.

"Water! Clear! Shallow!! You return my innocence!!!"

"It's useless, Xie Shanhu, your innocence is irretrievable. This is a scandal that will be recorded forever in history."

"Maybe, if you bite him again, let the south wind blow more violently."

"Everyone in the imperial capital already knows about it, and after three days, the whole world will know about it too, hahahaha..."

"together together together……"

The hunting season, which lasted for half a month, passed in the midst of disturbances.

In this hunting season, the second prince gained the most. He was the eldest and successfully hunted a deer.It's a very sensitive ending, but it's acceptable, after all, the sage doesn't have a legitimate son.However, if we take away the significance of the deer and count the prey alone, the fifth prince should come out on top. He is highly skilled, vigorous, ambitious, and the influence of his mother clan is not weak, so he gets a lot of help and has a good location. It is not surprising that there is such a result.

In addition to the dazzling achievements of these two princes, there are also quite a few other people who stand out in the limelight. Feng Ran, with three foxes, two wolves, and several hares and pheasants, ranked No. 12 on the hunting rankings, which can be seen from this.Shui Qingqian is not on the hunting list, but she is also one of the celebrities in the autumn hunting social season.Apart from the gossip about him falling in love with Princess Yuegui and Xie Ming, the most important thing is the feat of "hunting" Zhang Yan.Perhaps, some people will change the impression of Shui Qingqian as a modest gentleman, and instead recognize his arrogance and domineering.But in the eyes of more old foxes, Shui Qingqian's behavior this time means something unusual, too unusual.

After entering the imperial capital for more than a year, Shui Qingqian has received many criticisms. If you count carefully, you will find that Shui Qingqian has not lived a peaceful life for a few days, but he has solved all major and minor matters without any hustle and bustle. The one who kills and kills is the kind that moistens things silently and melts bones and palms.This kind of low-key seems to be in line with the practice of Ningrenhou Mansion closing its doors.The opponent is also stable, and interacts with Ningrenhou's courteously. It seems that the two sides tacitly maintain the situation of "the face is calm and the clouds are calm, and the knife is behind the back".

But at the beginning of this hunting season, Shui Qingqian publicly challenged Zhang Qiong with a life-and-death threat, which can be described as sharp, sharp, and attacking step by step!This style of attack does not match the usual image of the Ningrenhou Mansion, but vaguely, it fits with a more obscure legend: the legend of Fei Tianer's terrifying revenge, some smart people smelled that the rain is coming.

As soon as Qiu Lie came back, the Zhang family was sued.

It was a business dispute, because the Zhang family failed to settle the payment to the previous family within the time limit stipulated in the contract, so several small merchants joined forces and sued the Shiyi Division to demand the debt.Unlike the life-and-death cases in the Ministry of Criminal Justice, this type of complaint is mainly for mediation. After the Fair Trading Office has passed the review, a decree is sent to the Zhang family, ordering the money to be returned.

Repaying debts is a matter of course. If the Zhang family holds the yamen to notify them to pay back the debts, they will lose the face of their century-old family.Therefore, the Zhang family's defendant is a trivial matter that can be solved with money.It is said to be a trivial matter, but this matter is really not a trivial matter to the Zhang family of Tianren Mansion.Reliable news came that several large ships of the Zhang family capsized.

These days, collecting rent is not as good as opening a shop, and earning money from Dongzhou people is not as good as making money from foreigners.Speaking of a lot of money, the most profitable is overseas trade, but not everyone can afford overseas trade, ordinary small businessmen can't reach that far, and ordinary families can't afford the risk of maritime trade.The Zhang family also had no choice. The loan expired at the end of the year, so they had to fight it out.Therefore, a few months ago, the Zhang family took the lead and cooperated with the other three Tianren Mansions to organize three ships full of goods to go to sea, and the goods were all on credit.After the negotiation, when the ship arrives in Nanfan, after dumping the goods, they will load the jewelry, wood and spices of the three ships and return to the voyage. After the ship returns, they will barter and pay the debts to the merchants.This is a good deal. Tianren Mansion has connections and connections to take the lead. Relying on the reputation of a century-old family, the dozens of merchants who supply it are staring at the huge profits of overseas trade. This opportunity cannot be missed.

Waiting and looking forward, what everyone didn't expect was the news they finally waited for: more than a month ago, the Zhang family's boat encountered a storm at sea and sank.The Zhang family is holding back the news and not disclosing it.Now, merchants are like a hornet's nest that exploded.Although some of them have been doing business with the Zhang family for not a day or two, and they know that the Zhang family has a good reputation, but the cargo of three large sea ships is gone, which will definitely make any family hurt to the point of vomiting blood. Family, this is a loss of real money, what can they pay for it?

Moreover, the Zhang family lost far more than the cost of the three cargoes.

In a very short period of time, it was not aimless for Zhang to lead the alliance with the Tianren Mansion to do this maritime trade.Because the Zhang family got a very reliable piece of news: There is an Anda native in the Nanfan sea area. There are hundreds of thousands of hectares of century-old huanghuali forest in their tribe.But this thing is too popular for Dongzhou people. For weddings and funerals, it is very honorable to have a set of huanghuali furniture. If these huanghuali trees are transported back to Dongzhou mainland, the profit will be more than a thousand times .

The Zhang family heard the news through their connections, and they also wanted to make a lot of money through their connections.For this reason, all kinds of benefits, all kinds of relationships and deposits in advance add up to 38 yuan. In addition, there are charter fees, dock fees, and customs fees... As for the remaining boatmen and porters , Warehouse rental, every ten thousand dollars spent is considered a small amount of money.

This time, not only did they put in all the living money left by the three Heavenly Mansions, but they also squeezed their family's resources, and put in 20 yuan in an attempt to make a snake swallow.It's a pity that the cargo of the three big ships sank before reaching their destination.The Zhang family broke the contract, and the deposit was in vain. According to the contract, the Zhang family had to pay another liquidated damages.In addition, the shipping company's claim, the boatman's pension, and the interest they paid for the loan from the bank...the losses were staggering. It was rumored that the Zhang family was about to collapse. How could it not cause panic among the merchants?

"Father, do you think the Zhang family will renege on their debts? Anyway, there must be no one to take care of the accounts of the 'Native Fans'. It is impossible for the 'Native Fans' to go to the imperial capital to file a lawsuit with them." Shui Qingqian held this in her hand. A copy of the contract.According to the contract, they have to pay a huge liquidated damages.But in reality, it is estimated that the Zhang family will renege on their debts.

"The Zhang family would rather tear their faces apart than pay the liquidated damages to the natives of Nanfan." Ning Renhou took the paper contract from his son and threw it into the brazier on the ground without paying attention.To bring down the Zhang family, Ning Renhou did not rely on the liquidated damages.

Shui Qingqian leaned on her chin, watched the flames licking lightly, and soon, the century-old huanghuali forest contract, which entrusted the Zhang family's dream of getting rich, was reduced to ashes.If you can't force the Zhang family to pay compensation, how can you make a hundred-year-old prosperous family collapse?The water is clear and shallow, a little suspicious.Don't look at those merchants suing the Zhang family, in fact, the most likely to compromise are still these creditors.If the Zhang family is forced to death, they won't get anything. Only if the Zhang family is good, can they get back the money they owe in the future.However, the Zhang family still has stable land rent income, their shop is in good condition, and the reputation of the Zhang family is not bad. As long as they don't pay all the arrears in one go and tighten their pants for a few years, the hole will always be filled.

The water is clear and shallow as expected.

The Zhang family's lawsuit did not cause any big waves from beginning to end.After the Zhang family received the lawsuit, they contacted the creditors of all parties immediately, and within a few days, they successively paid back a total of 80 yuan in debt. Although this is only a part of it, the positive actions of the Zhang family are very significant. Appease restless creditors.As long as the Zhang family still has the confidence to turn around, the creditors who made troubles were originally afraid that the Zhang family would collapse and drag the debts into dead debts.

In any case, the small news that the Zhang family owed money to the defendant flashed by in the upper class. In the world of the rich and powerful, money stumbling has always been a small problem.Their eyes are fixed on the court, on political weirdness, on standing in line and on the emperor's heart.Who is worried that a century-old family will 'die poor'?Therefore, it seems that there is a disturbance, but at the tea party of the rich and powerful, it is only occasionally mentioned, and at most it is to lament the bad luck of the Zhang family, other than that, no one will pay attention to it anymore.But Shui Qingqian knew that it was not that simple.It's also revenge, his parents' methods are not like his, just set two bees or scare everyone to pee their pants.

Xu's mansion behind the scenes who caused Shui Qingqian to be molested has been "sent by heaven", what will happen to Zhang who caused Shui Qingqian to be shot in the chest? "Dare to make a move against Luzi, and just sacrifice a little brat of the Zhang family who doesn't know the heights of the heavens and the earth, wouldn't it be cheap for them."

Half a year ago, after Ning Renhou said these words coldly, he straightened his face, stepped out of the camp tent, and declared to the outside world, "Luzi is fine, just a little frightened." '

"It was just an accident." Ning Renhou and Shi Ke had the same caliber at the time.

Zhang Gong is Zhang Bao's biological father, the fifth eldest in the family, and was transferred to the household department as a doctor four months ago.It was such a small person who could not be the head of the family and was also the second in command in the yamen became the second fire that ignited the Zhang family.

Zhang Gong is a doctor in the Bank of the Ministry of Household Affairs. His rank is not high, but he is in a very affordable position.Of course, the money in the treasury cannot be used casually. Not only are there regular audits, but also irregular audits by the Supervisory Council. Once a deficit is found, the officials of the treasury will be held accountable, at least they will be dismissed and sent to prison.Of course, it is based on legal principles and human feelings. In fact, it is not an isolated case to borrow money from the treasury with IOUs. It depends on your relationship with the heads of the treasury.After all, auditing is not a surprise attack.Return the money before the audit, so that neither the audit nor the account manager will be investigated.Shangfeng may or may not know the trickiness of this.But how should I put it, as long as it is not excessive, everyone can accept it emotionally. The legal principle of "deficiency" is not forgiving; but "borrowing and repaying" is not a big mistake after all.

Tianren Mansion lost a total of three ships. In order to appease the creditors, they had to raise a large amount of cash in a short period of time, but even if the family was rich, it was impossible for any family to raise millions of cash in a short period of time.It has to be said that during the past one or two years, Tianrenfu's money has been very difficult, and every family has lost a lot.Now those three shipwrecks are like the last straw on the camel's body, and the Tianren Mansion has completely hurt its muscles and bones.The Zhang family took the lead, so they were more seriously injured than the other two governments.They are unwilling, unwilling, and unable to ask them to raise money from their own homes.Now, because of Zhang Gong's position, they have the opportunity to borrow money from the national treasury for emergency relief. They dare not be corrupt, but just use it for temporary turnover. In their opinion, it is really not a big deal.

I issued an IOU of 100 million taels of silver from the treasury, transferred 100 million guan in cash, and used 80 guan to pay back part of the arrears, which eased the anxiety of small merchants. The other 20 guan Zhang family also urgently sold several grain and oil shops. , also means borrowing money to make money.The Zhang family planned it this way.But after the 100 million Guanhua was cleaned up, news suddenly came from the blue sky: the imperial court will take advantage of this winter's slack to manage the river works, and Shangfeng will send people to the bank to make accounts, and at the same time, people from the Ministry of Industry and the Inspectorate will supervise.After the accounts are settled, Kuyin will be temporarily sealed and will be sent to various places to deal with floods.

The 100 million cash that the Zhang family had just eaten was so digested that it disappeared, but they had to vomit it back in a blink of an eye.

This step is the real trap.

There are many in-laws in the Zhang family, and there are many connections, but it is very difficult to collect 100 million yuan in cash from relatives and old relatives. It is purely about family wealth, yes, their family wealth is worth millions, there is no doubt, But those are all farm houses, antiques, calligraphy and paintings.Not to mention the previous 70 million taels of silver that the four Heavenly Mansions have put in. In terms of the money in hand, [-] to [-] taels are easy, and [-] to [-] taels are rare. What is needed is to fill the treasury with real money.Are you selling houses, land, and sellers, or are your relatives selling houses, land, and sellers...it doesn’t matter, there is only one place that can spend millions of dollars, the bank.

Qian Zhuang is not a philanthropist.

A farm worth [-] guan is used as collateral, and only [-] guan can be lent in cash; the ancestral red gold sacrificial vessel is weighed by the catty, and the gross weight is not enough, so it has to be depreciated at half price.Not to mention calligraphy and painting antiques, how rare things are put into their mouths are "broken porcelain, rotten tiles, moth-eaten rat bites", and after the loan money is folded, interest has to be calculated and repaid... One pile after another Everything is business.

Shui Qingqian followed his father Ning Renhou to the headquarters of the Lihao Bank in the imperial capital early in the morning, and at this moment, he was having tea and snacks in the back hall of a certain VIP.Ever since Da Shui Qingqian knew that his family had a VIP account that benefited the bank, she didn't find this kind of posture new at all.Especially in this year in the imperial capital, Shui Qingqian also started to have a personal business. Under the leadership of her father, she opened her own account and invested in it in her spare time.

"Father, what are we doing today?"

Ning Renhou, "Sit and watch the final fall of the Zhang family."

Eh?Is it today?The little bird's spirit head suddenly lifted.Shui Qingqian had already heard about the vampire-like loan terms of Lihao Bank from his own father, but he always felt that it was too unreliable.

The harsh terms of the bank made it clear that the Zhang family would be stubborn and wait to be slaughtered?You can pick and sell valuable antiques at home and sell them to shops on the street, and you won't be bullied by the overlord clause of the bank.Jade bonsai, stone screens, calligraphy and paintings of famous people, and antiques from the former dynasty, if you give them to Yinzhuang, they will only be worth two to three thousand guan, but if you take them to Jubaozhai for auction, ten to twenty thousand snowflakes will not stop you.It is not difficult for the big Zhang family to raise a million cash in cash. If you have to let the Lihao bank cut it down to the bone, this family is worthless.

"You can't look at it that way." Ning Renhou explained the inner world to his son. "Let Jubaozhai hold a special auction for Zhang's mansion, and there is a lot of noise calling the sellers to pay a loss. Is it true that the imperial court's inspectorate is blind? Besides, the face of the century-old Tianren Mansion is going to be lost. And from the auction to the settlement, Jubao It also takes ten days and a half months to collect money, and they can't guarantee that the money will be collected in time. For large money transactions, no one can bypass the bank. In this case, why doesn't the Zhang family go directly to the bank? Besides, it is good Qianzhuang is not called adding insult to injury."

The bank dared to discount it so hard. First, the Zhang family borrowed too much money, and the bank also had to bear the risk of cash flow.Secondly, those gold, silver, jade and antique calligraphy and paintings are all icing on the cake, they cannot be eaten or used, and have no practical use.The money bank is in your hands as a mortgage, but you can't earn half a cent of extra benefits. How can they give you a high discount?What's more, the interest rate of Lihao Qianzhuang is low. 100 guan, ten years to pay off, and you will be charged 100 cents of interest, which is like giving it away for nothing.In addition to benefiting the bank's wealth and confidence, no one is willing to switch to a second bank.So, don't look at the bank's discount, in fact, it is the Zhang family who took advantage of it. [-] million guan, in ten years, the Zhang family saved more than [-] million guan in interest alone.

The truth is this, but there is no such thing as a free lunch.So Shui Qingqian feels that this is a trap.Use low interest rates to lure you to mortgage your family assets. According to the algorithm of Lihao Bank, it will lend you 100 million yuan, and you will at least take nearly [-] million yuan of assets as collateral.It's not that Shui Qingqian underestimated their Heavenly Mansion, the tens of millions of family assets, I'm afraid they have to count the burial objects in the ancestral graves.And once they don't pay the interest, then the mortgaged property will be...

"A big family like them has public property and private houses of each house," Ning Renhou continued to explain to his son, "No matter how big the trouble was before, it was nothing more than emptying their public property. Their own The Xiao family also has their own private houses. Even if the entire Zhang Mansion is overthrown, the money from those private houses alone will be enough for them to live the life of a rich man in the country. Aren't we busy?"

People like them can get a lot of money in exchange for any antique calligraphy and paintings that decorate the room and sell them to shops.It doesn’t need to be many, as long as each family can keep a dozen or so pieces, it is enough to turn around.Ning Renhou didn't want to be busy until the end, and he allowed them to easily be farmers.

Ning Renhou once calculated how much money they have. At first, to raise money to buy prescriptions, they borrowed and borrowed the real estate in the public house. Hou personally supervised and saw that each of them squeezed out the little property of the public, and finally allowed the three ships to set sail.Now, apart from the dowry of each family's private house, they have nothing else to mortgage.

At this time, Shui Qingqian also finished breaking her fingers, and said, "So, if they come to borrow money again this time, they will have to use their own strengths, right?"

"Yes." To put it bluntly, it is already the moment of life and death for the Zhang family. They must, have to, use various small treasuries, and Ning Renhou has no doubts about this.He took his pocket watch to check the time, and then led Shui Qingqian out of the VIP hall.