I became a group pet after dressing as nine elder brothers

Chuoke, the Duke of Fengen Town, and others were very aggrieved.

Unfortunately, they have no other way.

After the next imperial court, they surrounded the Hubu Shangshu Ma Qi in a panic, watching for fear that he would suddenly run away again.

This day can't go on!

Where did Chuokedu, the Duke of Fengen Town, and others suffer such hardships?Not to mention that the emperor and the civil and military of the Manchu Dynasty disliked it, even they themselves will be overwhelmed by the smell of the court clothes. If it doesn't work today, it will really be over!

Ma Qi, Minister of the Household Department, felt secretly refreshed.

Of course, he still showed a trace of embarrassment on his face, and cupped his hands and said: "My lords, I still have things to do today... This, this is really too late!"

Hello Mazi!

They scolded Ma Qi half to death in their hearts, but they didn't dare to reveal half of it on the surface.

Chuoke, the Duke of Feng En Town, and others were all crying: "Master Ma Qi, this mansion is really indispensable. I don't even need breakfast today..."

Very fitting.

One of the princes grumbled in his stomach, and his entire face froze.

Mazzie almost laughed out loud.

After procrastinating and procrastinating, he didn't show a smile towards the clan until he received the signal from Brother Nine: "Then I'd rather be respectful than obedient, let's count the debts for you adults first!"

Everyone breathed a sigh of relief.

Check it out!Check it out!They hurriedly followed Hubu Shangshu Ma Qi to Hubu, but they didn't notice that there were a few little tails behind them.

Yinzhen called out to the fourth brother, fifth brother, seventh brother, eighth brother and tenth brother with great interest, and wanted to show them the joy of counting money.

Yinzhen and the others: ...

No!We don't want to look at the cheesy things like counting money at all.

In the yamen of the household department, a group of officials were already ready to sit and wait for the princes to arrive, but for some reason there were still a few imperial physicians waiting beside them.

The princes headed by Chuokedu, the Duke of Fengen Town, didn't care about these petty officials. They just wanted to pay off the debt as soon as possible and then go back to the mansion to rest.

But looking at the bills one by one, their expressions gradually changed.Chuoke, the Duke of Feng En Town, slapped the bill on the table with his backhand, and asked sharply: "Obviously, I only borrowed 200 million taels, but how come there are 450 taels on this bill?"

"That's right! I'm not right either."

"Mine was wrong too! Damn it!"

"What's the situation with your household department? Do you want to blackmail?"

Ma Qi, Minister of the Household Department, said calmly: "My lords, be quiet, how could the Household Department be greedy for your money?"

The brothers' ears perked up.

Fifth elder brother Yinqi lowered his voice: "Fourth brother, ninth brother, what's the matter with this money?"

The fourth elder brother Yinzhen was full of doubts.

He only knows about the operation after being included as a dishonest executor, but he is not clear about the rest.

How could this money be doubled! ?

No!From 200 million taels to 450 taels is not a problem of doubling, is it?

Yinzhen chuckled.

He lowered his voice: "No, after borrowing money for so many years, there is still interest!"

"……Interest!?"

"Interest!!??"

Inside and outside the door.

Many princes and elder brothers roared in unison.However, Chuoke, the Duke of Fengen Town, and others were not in the mood to pay attention to the elder brothers who appeared outside the door, and they were all discussing the issue of interest with Ma Qi, Minister of the Ministry of Households.

This is outrageous too!

Chuoke, Duke of Fengen Township, had his hands trembling slightly: "How can the high interest rate be from 200 million taels to 4705 million taels? Could it be that you are lending usury?"

Yinzhen lowered his voice and continued to explain: "Many of these princes even took the money from the Ministry of Households to lend money to the private sector. It can be said that the business without capital has a lot of profits, and it has killed many merchants!"

Even Yinzhen didn't know this.

The faces of the elder brothers changed in unison—if the purpose of preventing the Eight Banners from farming and trading is to avoid competing with the people for profit, then these people who took the money from the Ministry of Accounts to lend money are even more garbage among garbage, which makes people feel disgusted.

It's just that this random interest collection can't start!

The fourth elder brother Yinzhen frowned: "If someone sues this usury in the court, I'm afraid you won't be able to justify it to Yinzhen."

Yinzhen shook his head.

He raised his fingers and explained in detail: "Didn't you see that only Chuuk, the Duke of Fengen Town, can dance the best!"

"Why is this?"

"Chuoke, the Duke of Feng'en Town, borrowed 200 million taels in one breath five years ago!"

Brother Yinzhen knew this number.

But the other elder brothers don't know, the eyeballs of the fifth elder brother Yinqi, the seventh elder brother Yinyou, the eighth elder brother Yinhu and the tenth elder brother Yin'e almost popped out: "One breath...? Two million taels? "

"Are you rich and powerful?"

Yinzhen complained, and then changed the subject: "Before, Khan Ama gave them a month and a half to repay their debts, and all of them, and some of them, were given interest-free services. People, their interest is calculated at five ten-thousandths of a day."

"Five ten-thousandths of a day?"

"..." Eighth elder brother Yinhu calculated in his mind, and couldn't help taking a breath: "180 million taels?"

Yinzhen was silent for a moment.

He looked at Yinzhen in disbelief: "It can't be... double counting, right?"

Yinzhen nodded with a smile: "The daily interest rate of 18.00/200 is equal to 36% of the annual interest rate. The interest of 2306 million taels a year is 42 taels. In the second year, the principal plus interest becomes 800 million taels. It takes [-] taels, and in the third year..."

"...After five years, it became 450 and 510." Ma Qi, Minister of the Ministry of Household Affairs, smiled and explained everything clearly to Chuoke, the Duke of Feng'en Township.

Chuck, the Duke of Feng'en Township, was almost dizzy with anger.

He was trembling all over, pointing his finger at Hubu Shangshu Ma Qi: "You, you, you..."

Immediately afterwards, without taking a breath, he rolled his eyes and pouted directly.

What does the imperial doctor waiting next to you do?

Now all the princes know.I saw them striding forward with long legs, walking to the side of Chuokedu, the Duke of Fengen Town, holding the silver needle and swishing it!

Chuck, the Duke of Feng'en Town, screamed and jumped up from the ground.The leading imperial physician stroked his beard, smiled and returned to his seat with his hands behind his back.

The spirit of the imperial doctors is very good.

After all, this point is already counted as overtime, and they all wished that the princes in front of them could procrastinate a little longer, hehe!Can't this money be a little more?

With overtime wages and benefits in front, the imperial physicians and household officials are all old gods, without any impatience, facing the princes like a spring breeze.

Chuck, the Duke of Fengen Township, was dumbfounded.

But the other princes have come to their senses. If they don't pay now, won't there be interest added every day?The princes who had only borrowed money in the past two years hurriedly paid the money and left, and the princes who were the same as Chuoke, the Duke of Fengen Town, also bit the bullet and went back to collect money.

"Master Chuokedu, what about you?" Ma Qi, Minister of the Household Department, spread his hands and rubbed his fingers.

The success of this villain made Chuoke, the Duke of Feng En Town, even more annoyed, but he could only lower his voice: "Master Ma Qi, I don't have enough money for..."

Food and drink expenses.

Chuoke, the Duke of Fengen Town, took out 200 million taels for loans, and the money he got back was used for spending. How could there be 4705 million taels of cash in his mansion?

Shangshu Maqi's expression remained unchanged.

He showed a warm (tan)xi (lan) smile: "No rush, Mr. Chuokedu, if the cash is not enough, the farmland of Zhuangzi's shop can be used to pay off the debt."

Chuuk, the Duke of Feng'en Town, looked at Shang Shu Ma Qi in disbelief, his fingers trembling as if he had epilepsy.

He said angrily: "There is no one under my name."

Before the words were spoken, I heard the ninth elder brother who was hiding outside the door cheerfully muttering to the other elder brothers: "There are a lot of mansions under the name of Chuokedu, and there are also several business houses in his house." Under the name of—huh? What is Lord Chuck Dou talking about?"

Chuokedu, Duke of Feng'en Township: ...

(Laughing dish blah) What if the old bottom is lifted?He could only swallow his anger and said: "...The farmland and Zhuangzi under my name are naturally enough... May I trouble the adults of the household department to come with me?"

He would rather let the officials of the household department enter the Duke's Mansion of Feng'en Town to ponder, than listen to Brother Jiu whispering in his ears.

Seeing his own shop, Zhuangzi, fields, and cash seem to grow wings and fly out, Chuokedu, the Duke of Fengen Town, felt his heart ache and his lips were blue and white.

The arrears have been paid.

Their family also had to spend a period of time on a diet.

It didn't take two days for this incident to spread throughout the capital.

The common people clapped their hands and applauded, and the clan and the Eight Banners gloated at their misfortune, but at the same time secretly rejoiced—fortunately, I didn't have the idea of ​​taking advantage, otherwise I might be the one who was unlucky.

Of course, there are many people in the courtiers who are frowning.

Without the way of borrowing money from the household department, problems will arise when money is urgently needed.

Is it possible to ask about private loans?

Zhang Yushu, a scholar of the Baohe Temple who was keenly aware of the problem in the middle, hurriedly wrote: "The complete prohibition of borrowing by officials may cause some officials to have to borrow from private businessmen, or be threatened or bribed. More complicity in corruption."

Yinzhen had planned for a long time.

This is something that even the fourth elder brother Yinzhen doesn't know. Another bank was set up under the government office of the Ministry of Households to be responsible for the borrowing and deposit needs of the civil and military people of the Manchu Dynasty and the common people.

Chuck, the Duke of Feng En Town, jumped out.

He sneered strangely: "The daily interest rate is five ten-thousandths, and the annual interest rate is 18.00%. Who can afford to borrow this interest?"

The deeds of Chuokedu, the Duke of Fengen Town, who turned 200 million taels into 4705 million taels in five years are still circulating in the capital. Hearing him tell his story, the civil and military officials of the Manchu Dynasty were also excited.

Yinzhen chuckled.

He waved his hands and explained with a smile: "That's penalty interest! As long as your lords are not like Chuokedu, Duke of Fengen Town, who like to borrow money for five years but don't pay back a penny, you won't charge a high amount. Penalties."

There was a series of low laughter in the hall.

Before Chuoke, the Duke of Feng En Town, could speak, Yinzhen smiled and continued, "Like a normal loan, the bank not only has an interest-free period for a certain period of time, but also charges less than [-]% a year at most. interest."

Compared with 18.00%, [-]% sounds more acceptable, even so many officials still have lingering fears.

Facing their resistance and worries, Yinzhen explained carefully and patiently: "Depending on the credit, income and collateral of different people, you can also choose to repay in installments. It will be deducted directly when the salary is paid! Of course, if there are those who refuse to pay back..."

Yinzhen glanced at Chuokedu, Duke of Fengen Town.

He coughed: "Surely I don't need elder brother Ben to say it?"

Chuokedu, Duke of Fengen Town, turned blue and pale.

Many courtiers in the hall couldn't help chuckling, isn't the consequence of this loan clearly in front of them?

After this, the Zhongyuan Bank under the name of the Ministry of Households also entered the front of the civil and military of the Manchu Dynasty and the people of the capital for the first time.

At first, no one dared to accept the loan except the officials who were early adopters. After a nervous businessman borrowed an emergency loan with ultra-low interest by mortgaging his house, people finally began to come here.

After all, compared with the pawnshops and banks outside, the interest rate of the bank under the name of the imperial court is lower and much more secure.

Because of this, the name of Ninth Elder Brother Yinzhen was circulated in the mouths of a small number of people in the capital again, and this time a new title was added: Shancai boy.