(Thanks for the 10,000 reward that doesn’t work for a headache. Congratulations on the headache, brother for being promoted to the Dharma Protector, thank you)

Yi Feng and Li Liyi are now in a respectful relationship. On the surface, the couple is in a slight manner, but Yi Feng knows in his heart that there is a lack of true intimacy between them, or that he lacks passion for this marriage. Li Liyi actually did a good job, and it can even be said to be a perfect expression of women in this era. De Yan and de Zheng Shu, wife De Yan, woman de Yan, woman de Yan, woman de Si Shi Zi, all of them are perfect in these four things. Even after marrying into the royal palace, her ability to manage internal and external affairs in the family is well reflected.

The more she was so impeccable, the more Yi Feng felt guilty to him. She was 100% treating him, but he did not respond equally.

Fortunately, although he had just gotten married, the emperor did not give him time to spend his honeymoon. The military medical plan had officially begun. Yang Jian specially ordered Yi Feng to set up a deputy chief of officials and political affairs, and also gave him a yard in the imperial city's Shangshu Provincial Government office to serve as a temporary office for his medical project.

One morning, Yi Feng participated in the Nei Chao in Liangyi Hall and just returned to the public housing when Master Wei came.

"I have no money in my hands, but it is hard to cook without rice!" Wei Shi spread his hands and complained to Yi Feng. At the court meeting just now, the emperor notified the court officials that Yi Feng would take charge of the military medical plan, and the provinces and departments cooperated with each other. Wei Shi is the new Minister of the Ministry of Civil Affairs. The Minister of the Ministry of Revenue is in charge of the land, taxes, household registration, military supplies, salary, food and money, and financial income. Among the six ministries, only after the Ministry of Personnel and the Ministry of War. The Minister of Revenue is in charge of the court's financial power. All military medicines and first aid kits that Yi Feng wants to purchase must be paid by him.

Wei Shikang was from the Wei clan of Duling, Jingzhao. He was also from the Wei Xiaokuan family. The former general manager of Jingzhou Wei Shikang was his cousin. Wei Shikang not only came from a wealthy Wei family, but also a hero in the court. When Yang Jian was admitted to the Chan period, Wei was appointed as the Minister of Personnel. After that, he was almost in important positions in recent years. Now the emperor has transferred him to the center again and served as the Minister of the Ministry of Civil Affairs, one of the eight thrones.

However, Yi Feng was always a little wary of Wei Shi. The reason was that Wei Shi had been the Sima of King Jin of Yang Guang, and was also the Marshal Yang Guang during the Battle of Chen. But now the prince's son, Yang Yan, has just married Wei Shi's daughter as the princess. Yi Feng could not understand Wei Shi's position. A person with an unknown position always made him a little worried. However, he also knew that Wei Shi was qualified not to take sides, but what he was worried was that Wei Shi had secretly chosen the team.

Now Mr. Wei's attitude made Yi Feng feel a little unhappy. This medical plan is very important to him. This is when he proves his ability to the emperor and takes the opportunity to establish good relations with the ministers in the court. At the same time, he can use this matter to win many orders for Huaihuang and make a fortune. By the way, he can also gain some relationship with many powerful merchants.

"Don't trust me, you are in charge of the financial power in the court. The daily copper coins flowing in your hands are more than tens of millions of yuan. This medical plan does not require much money, so why would you lose money?"

Wei Shi Liang Guan's purple robe and jade belt. He had a square face with a beautiful beard from five willows, and his slightly fat face always had a smile. While walking to the couch, he said, "I don't know that the firewood and rice are expensive if I don't take the lead. Although the civil servants are in charge of the imperial court's money and food, they have to use money everywhere. Especially now, although the war in the north has not started yet, a large amount of money, food and resources are constantly transported to the front line every day. The court has used 500,000 troops. This is a real 500,000 troops, not including civil servants. Cavalry alone has mobilized more than 100,000. It can be said that more than half of the cavalry have been transferred to the battlefield. A horse uses more than five soldiers, and the consumption of supplying a cavalry is equivalent to five infantry. One cavalry is one horse, and the cost is equivalent to ten infantry. One hundred thousand cavalry, how much money does it cost to get."

Yi Feng interrupted Wei impatiently: "The medical plan does not cost much. This matter was appointed by His Majesty. In fact, this plan was also for the Ministry of Civil Affairs. There were fewer deaths on the battlefield and less one soldier was left. After the war, the Ministry of Civil Affairs paid less pensions. The Grand Secretary did not calculate whether the money for soup and medicine was more expensive or the pensions were more expensive. In the long run, if a soldier died and was disabled, he would not only get the pensions, but he would not be able to produce grain, silk threads for the court in the future, nor would he pay taxes to the court. Even from another direction, if one young soldier was missing, the court would have to train another one. Could it be that he would not spend more money? Besides, since the Grand Secretary's farmer could even solve the food, grass, equipment, and military pay for the 500,000 army, he would not be able to solve the problem of a small amount of money here, right?"

After saying this, Master Wei was blocked there. However, Master Wei was also a gangster and said immediately: "The money, grain and equipment that the imperial court had drawn to the front line started to prepare last year, and some even started to prepare the money from the previous year. Until now, all the money and grain have been planned. King Zhao, you have an extra plan for the medical plan, but for a while, I have nowhere to squeeze out the money."

"The Grand Minister's Estate is joking. Even if there is no such plan, will the imperial court not prepare medicines when using troops?"

"It's so difficult. I ask me for money, but I can't turn stones into gold. But you, King Zhao, are said to turn stones into gold. I'm still thinking, come to King Zhao, you are going to get some famine."

Yi Feng chuckled: "Does Mr. Wei have any plans?"

Wei Shi smiled, "I heard that Daxing Bank in the capital is an industry under the name of King Zhao. Is this bank a deposit and loan business?"

After he said this, Yi Feng had almost guessed what he was going to do, but he was still a little unsure and asked immediately: "What is Mr. Wei's intention?"

"Borrowing money means taking a loan." Mr. Wei said his meaning very happily.

Yi Feng didn't expect that it was as he thought. He was very surprised at the moment. The Minister of Civil Affairs, who was in charge of money in the court, came to him to borrow money. However, he quickly turned around and felt that although this matter was surprising, it was not impossible to discuss. Since he opened a bank, the loan business was very legitimate.

"I have some shares in Daxing Bank." Yi Feng nodded, "I wonder if Dashinong really wants to discuss loan business with Daxing Bank. Do you have any specific plans?"

"I plan to borrow one million trump card from Daxing Bank!" Master Wei said proudly. The one million trump card was released, and Master Wei looked at Yi Feng and waited for his reaction. But to his surprise, Yi Feng heard such a large number. His expression was not moving at all, and he still had a smile on his face, and then said something that surprised him. "Is one million trump card? It's not impossible. How long does the Grand Secretary's Corp plan to borrow?"

Wei swallowed. He didn't expect that King Zhao was so confident. He had just taken over the Ministry of Civil Affairs and knew the current assets of the Ministry of Civil Affairs. Last year, he had just fought a battle of 300,000 people. Only a few thousand people were left. This year, another full-scale war of 500,000 people was going to fight. The court had two consecutive disasters in the 14th year of Kaihuang for 15 years. It has just been experiencing three years of silence. He has barely accumulated some of the bottom, but the two battlefields were basically gone. The emperor did not care how difficult the Ministry of Civil Affairs was, and the emperor's will must be, and no one could shake it. The current situation really had to fight this battle. His

The ex-boy was dissatisfied with the emperor because of his work, and he was eventually beaten. Although Wei Shixin took office, he finally managed to hold on with his own means, but now he has to spend a lot of money and has an unplanned new expenditure project, which really made him very upset. He came to Yi Feng and complained that he had no money. It was a fact. He was joking with Yi Feng to borrow money. Since the Daxing Bank was opened in Beijing, his business was very popular. He even knew that the emperor issued an order last year to prohibit governments from using government money to lend money to the government. It is said that King Zhao originally suggested that the court sponsor the bank, but the emperor did not agree.

Master Wei really didn't expect that he asked to borrow one million, but King Zhao did not refuse.

He thought quickly in his mind that the affairs of the Civil Affairs Department are really difficult to do recently. He was in a state of great difficulty in spending money everywhere. He was already in a state of great difficulty. He was already preparing to submit a memorial to the emperor, proposing to ask the court to borrow money from the rich people in the world. This is also a common method in history. When a war occurs, when the finances are tight, he borrows money from the rich people in the world.

"Can Daxing Bank really lend me one million yuan?"

"It is not to lend it to Mr. Wei, but to the court. To be specific, it is to lend it to the court's civil ministry. This must be made clear. In addition, even if it is a loan from the court, it must be determined according to the bank's rules, the loan date must be clearly defined, the interest must be set, and there must be a mortgage." Yi Feng said seriously. In fact, the court is indeed a good loan object. The court needs working capital, and they are not short of money. In short, as long as they are not afraid of tying back the debt, this is a stable profit transaction with basically no risk.

Although Daxing Bank has not been in operation for a long time, it has many shareholders and is very strong, especially with the support of the northern headquarters, which is deserted. It is not much money for a million yuan. Yi Feng used some dry shares to give to Wang Hai, Yang Su, Yang Guang and others, but they soon found that Daxing Bank's profits were considerable, so they immediately actively invested in it. At first, Daxing Bank's equity capital was only one million yuan, but now it has reached five million yuan. This is just the principal, and Daxing Bank has seized the market opportunity, and has cooperated with many wealthy and nobles. Now its business expansion is extremely fierce, attracting a lot of savings. Therefore, for Yi Feng, even if the Ministry of Civil Affairs wants to borrow a large business of one million yuan, it is not a problem. It doesn't even have to review these troublesome procedures, and you can lend money at any time.

Master Wei asked: "Can I borrow more?"

"Can."

"I want to borrow two million, no, three million, well, five million!" Mr. Wei couldn't explain his excitement. If he could really get five million in cash, it would be much easier for the Ministry of Civil Affairs."

Seeing Master Wei staring at him with his eyes tightly, Yi Feng chuckled: "Is it five million? No problem. As long as the repayment is paid within three years, it can be calculated based on 6% of the annual interest."

"The annual interest rate is 6% and five million is 300,000 yuan a year, and three years is 900,000 yuan, right?"

Yi Feng nodded, "That's right, you can borrow 5 million yuan in three-year interest of 900,000 yuan, regardless of compound interest, and the profit will not be prone to profit. And there is no need to review, and you can lend money at any time."

"Can you get the money today?" Mr. Wei asked.

"You can get 20% that day, which is one million guan. The remaining month will be paid in four times, each time of one million guan. Of course, five million cannot be given all copper coins, half of silk, three cents of gold, two cents of silver and one cent of copper." Yi Feng said very professionally. In this era, copper coins are too short. The imperial court only casts more than 300,000 new copper coins a year. It is impossible for the bank to take out five million guans of copper coins at once.

This requirement is very reasonable. Mr. Wei nodded. He needed money, but he didn't have to ask for copper coins. Although gold and silver were not circulated, it was possible to trade the payment for bulk goods. In addition, money and silk were both sold, which was originally the monetary policy of the court. He was very satisfied with the payment method proposed by Yi Feng. He was also satisfied with the interest rate. He also knew a little about the operation of Daxing Bank. He knew that at Daxing Bank, the interest rate for small loans reached one cent monthly interest rate, and the annual interest rate for large loans also reached nine percent annual interest rate. Now Yi Feng gave him six percent annual interest rate, which was even a little lower than the lowest seven percent annual interest rate for Huaihuang Northern Bank. How could he be unhappy?

But he was a little suspicious that merchants value profit and do not commit adultery. At this time, they should slaughter the court and raise interest rates. Why did they reduce so much?

Yi Feng just shook his head at his Huaihuang. He stood up and poured a cup of tea for Master Wei and himself, and then explained: "Chasing profits is the nature of a businessman, but businessmen are not all cunning, and they are also loyal and patriotic. Daxing Bank was founded by me. For me, the essence of establishing a bank is to provide convenience to the people. Helping people in need to overcome difficulties in times of crisis. Although they also pursue certain profits, they are not purely pursuing profits. The first goal of the bank is to serve the people and solve economic difficulties.

It is not to exploit the people or suck their blood. We treat the court equally. As for reducing interest, it is because the court takes the money to resist the Turks, which is also a matter of benefiting banks. Moreover, banks have a credit rating assessment of customers. The higher the credit rating, the better the service, and even lower the interest. Because such high-credit customers represent low risks. For those low-credit customers, we have to face higher collection risks, so it is necessary to appropriately increase the interest rate."

"Then can I borrow more?"

Yi Feng pushed the hot tea to Mr. Wei and reminded him: "The more loans the better. No matter how low the interest is, it will be interest. Five million guan a year is only an interest of 300,000 guan. Loans are just to solve temporary needs, not the best solution."

This sentence finally calmed down Master Wei's mind. Yi Feng said it right. The Civil Affairs Department is indeed a little worried now, but it is easy to borrow from a bank, but after all, you still have to pay interest. You are free to spend money now, but when you look back, you have to pay interest.

"Then let's just five million guan. Although I have to pay 900,000 interest in three years, there are too many places for the imperial court to use money. To be honest, if there is no loan from this bank today, I will also prepare to submit a report to Your Majesty tomorrow and ask for a loan from the wealthy families in the world." Wei Shi sighed, "When will I get the money?"

Yi Feng thought for a while, "I think Mr. Wei asked His Majesty for the purpose first. If His Majesty agrees, then I will arrange for the bank to sign a contract with Mr. Wei. After the formal signing, I can get one million at most within three days. Of course, it is silk worth 500,000 guan, gold, 200,000 guan of silver, and 100,000 guan of copper coins. Are you satisfied with this method?"

"Not bad." Mr. Wei nodded.

"By the way, there is another additional condition, that is, this money must be used exclusively, and can only be used for this northern war and cannot be used for other purposes. In addition, the Ministry of Civil Affairs has to take out mortgages, such as several mines, and if the loan date reaches the court and cannot afford the money, the mortgaged mine will belong to the bank."

Mr. Wei had no objection to the two additional conditions proposed by Yi Feng. Generally, loans must be mortgaged. Now Yi Feng asked the court to use the mine as collateral, and he felt it was still very fair. However, he was a little dissatisfied with this special payment. I borrowed you money and you wanted to mortgage it, but after I borrowed the money, you had to care about how I used it, so it was not right.

Seeing him frowned, Yi Feng said immediately: "Mr. Wei, the reason why the bank loaned the Ministry of Civil Affairs so low is because of this war. If we cannot use the funds exclusively, our interest will not be so low. Of course, the court can ignore our request, but the interest needs to be discussed again."

Master Wei was so angry that he was so angry that he wanted to talk about it. It was the money of the public. But then he thought that he was old and there was no need to act like this. Besides, he borrowed money because the money he borrowed was too much. There was no problem with the money he borrowed, so he nodded, "This matter must be decided by Your Majesty. I will go back and write the memorial."

Master Wei stood up, took a few steps, and suddenly turned back, "King Zhao, I have something unknown. Since the bank can borrow money, why don't you borrow money directly from the bank for Zhao's medical plan? Why do you still have to reach out to me? Wouldn't you do this too much?"

Yi Feng shook his head, how could this be an unnecessary move? Public is public, private is private, Yi Feng is willing to ask the bank to borrow another amount of money to the Ministry of Civil Affairs, and then apply for withdrawal from the Ministry of Civil Affairs, which is better than borrowing money directly from the bank. These are two things, and if you are confused, problems will easily arise.

"I understand. I will write a memorial first to ask Your Majesty for the imperial edict. King Zhao also asked the bank to prepare. If Your Majesty agrees, I hope I can sign and get the money immediately."

"No problem!" (To be continued)

...
Chapter completed!