Tang's dining table

The mutton soup is really good!

Mrs. Cui was also at the front of the queue holding a bowl, joking with some women while filling herself with mutton soup.

It's obvious that the women here like her very much.

Naha also wanted to fill a bowl of mutton bone soup to drink, but Cui dragged her to the side of the small stove and filled her with a bowl full of mutton bones, which was almost entirely meat, and asked her to stay in the house with Yun Chu. Eat slowly.

Naha was very envious of Ms. Cui being able to eat meat and drink soup in a circle with a group of women holding a big bowl. 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 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 Zhike monk in Daci'en Temple."

Yun Chu asked strangely: "What kind of temple doesn't have a monk who knows the guest?"

Mrs. Cui looked into Yunchu'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 Disu"? 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. , can relieve people's worries.

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 money. "

Yun Chu coughed and said, "How much is the annual interest rate on loan sharks?"

Mrs. Cui blinked her eyes and said: "Daxingshan Temple borrows grain at a profit of 50%, four times the amount of money, Qinglong Temple borrows grain at a profit of 60%, and the money borrows grains at a rate of five times, 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 Qian Ling Shi".

Each "money-catching order" had to borrow 50,000 yuan from the court and pay 48,000 yuan in interest to the court every year.

If the work is done well, the court will give it to high officials. "

Yunchu was very good at mental arithmetic. 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 happened 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 of being 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 by putting 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 Zhike monk was nice, white and fat, and always smiled like Maitreya Buddha. When Yunchu explained his purpose of coming, 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-fill 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 one on the road to hell. Poor, pitiful. "

Yun Chu nodded and said, "You are indeed seeking your own death."

The monk who knew the guest 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 Yunchu a document. The contract in the document was very detailed and meticulous, and the rights, responsibilities, and benefits were also stated very clearly. As for this money contract, Yunchu 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 related, 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 properties 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 Da Ci'en Temple, but after signing the contract, Yun Chu 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 keep the family.

When he returned home, Yun Chu was still very satisfied with the work efficiency of the workers. At least, the two wells in his house 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 proposed to Cheng Chumo really made sense. It’s not that there are no banks in Datang. Others have them, with higher interest rates and branches all over the country, both north and south, and on 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 at Baima Temple in Luoyang Temple or Daming Temple in Yangzhou.

This damn thing is the famous exchange exchange!

This made Yun Chu, who thought he was a civilized person, ashamed.

Half a month passed, and Yunchu got an antique home. Even 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, doing so 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.

Mrs. 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 a mental problem. He had not said a word for a whole day, and he opened his mouth to 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 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 the Yun family, 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 break even in heavy winds and snow.

Yun Chu agreed with the merchant's statement, because the merchant tore it with his hands in front of him, but it was not torn. Although Yun Chu 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 snow falling in the yard, it was still so clean that it seemed like 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, Yun Chu 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. Instead of being 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.

Otherwise, severe punishment will not be given! "