After the ceremony, the guests and guests were seated. Xu Ping looked at Wang Su in a brand new cotton robe and said, "This time I returned to Beijing, Zhongyi looked good."

Wang Su laughed and said, "We are considered to be a branch of Xijing. I didn't expect it to be so easy to return to Beijing. The emperor summoned him specially, and he said that in the future, people from Xijing Bank can return to Beijing without having to submit a memorial in advance."

Xu Ping hurriedly congratulated him. It was not that easy for officials to leave the capital. This era is not as casual as in later generations. As long as they leave the capital gate, officials must register. If it is a matter of official business, there will be an edict. It will be even more difficult when they come back. Without the imperial edict, they will not be able to enter Kaifeng City. Giving the treatment of Xijing Bank is to recognize that they are not local yamen, but only the central yamen located in Xijing Luoyang, and even have the power to participate in central decision-making.

After drinking tea, Wang Su smiled and said to Xu Ping: "This time I returned to Beijing, I was invited by the Grand Official Zhang Weiji of the Beijing Bank, and said I wanted to borrow some money from us. Yunxing, are you not ridiculous? They are all the same banks. When they opened, the capital was the same. After so many days, they actually borrowed money from us."

Xu Ping said: "Often things, banks deal with money, and even more strange things will happen in the future. By the way, I have agreed on this matter. Do you want to discuss the interest? Have you agreed on it?"

"After the negotiation, the annual profit is 10%. Zhang Daguan was thinking about pressing down again, saying that it was difficult for the emperor to explain. I said that if the profit is low, it would be unfair to do this business with Xijing Bank. We borrowed money from Qiaodaosi, and we helped them directly. Jingshi Bank was just taking the interest collection. What's the point of no matter how low the profit is?"

Xu Ping said: "It's okay to make a profit of 10% and we won't lose our capital. Look, it's almost the end of the year, and Xijing Bank still has more cash. If you have such an opportunity, even if the profit is lower, you can't let it go."

Wang Su Lianlian said that it was. Xijing Bank was the capital paid by the Sansi, so it was naturally an affiliated commercial institution of the Sansi. Xu Ping decided to decide, and Wang Su and the others just went to discuss the details. However, it was also the bank who borrowed money, which made them feel novel.

Xu Ping asked some details again, and Wang Su asked, "By the way, why do you have to lend money to the Beijing Bank? Can our Xijing Bank take a complete return to the money needed by Qiaodaosi? In the past six months, the tens of millions of yuan of flying tickets for the Land and Field Affairs last year have been completely revitalized. In addition to the deposits collected this year, we have a lot of money in our hands that cannot be borrowed."

Xu Ping smiled: "You are doing business. You can think like this, I can't. Although the Beijing Bank also has half the capital of the three departments, the government has always regarded it as its wallet. With such a big project, how can the government explain it? It is because they are not doing well when borrowing money from you, and it is not the same thing."

Of course, there is another reason. Xu Ping wanted to take this opportunity to squeeze out the pussy of loan fraud in Beijing and teach relevant practitioners a lesson. Banks are money reservoirs. As long as a small hole is exposed, it will turn into a huge flood for the people and may cause some trouble. Now it is still in the primary stage, and it is not closely connected with all aspects of society and is relatively less obvious. Only when one day all matters involving money are linked to banks will you realize that it is amazing.

Wang Su sighed: "To be honest, the Beijing Bank borrowed money from us this time, and it really makes me feel proud. However, when the emperor summoned him, he said that from this winter, the Xijing Palace would be renovated to prepare for the future tour. For this reason, the number of eunuchs in the Xijing Palace would increase. They should not be idle in Xijing City and eat food for free. The emperor meant that these eunuchs would go to Xijing Bank to do things and make some money. What kind of yamen are we there? What do we want these people to do!"

Xu Ping said: "You are content! The emperor originally meant to transfer half of the people from Xijing Bank back to Beijing and take over the troubled Beijing Bank. I stopped him. Even if the Beijing Bank wants to replace people, they have to wait until they have solved all the previous troubles. Zhongyi, you are in Xijing, I don't know how big the Beijing Bank is now. I just took advantage of these days in Beijing to learn more and don't let the same thing happen to you."

Seeing that Xu Ping was solemn, Wang Su hurriedly bowed and said yes.

After many weighing, Zhang Weiji and others finally decided to take a prudent approach, slowly tighten the loans and collect funds to minimize risks. Grant loans to the major projects that Bridge Road Department wants to do, first borrow from Xijing Bank. Xijing Bank has two major economic entities: field business and cotton cloth industry, and has abundant funds. Compared with these two industries, the development speed of private industry and commerce is far from keeping up, and social loans are dropping the bucket for them.

It is not without cost to borrow money from Xijing Bank. The original market segmentation pattern of both parties has been broken. The three-society market reform companies in Beijing can also borrow money from Xijing Bank from now on. Although Beijing Bank can also lend money to Xijing Bank, judging from the previous performance of both parties, this is of no use to them.

Once banks tighten funds, the impact on society is far from as simple as it seems. All industries and industries will be affected, which is a price that has to be paid. It is a pleasure to put money in the front, but it will naturally be painful to collect money in the back. This is something that no one can do. At this time, the transfer of the market to Xijing Bank is really a matter of cutting off the flesh and replenishing the sores.

The Imperial City Department investigated the lending situation of the imperial guards and gave suggestions to take it slowly to prevent accidents. There were too many soldiers participating in the military, and no one knew what would happen if they could turn it out in one go. Zhao Zhen issued an imperial edict to the three yamen, saying that he heard that someone in the imperial guards gathered gambling and asked the military officers at all levels to investigate and strictly prohibit gambling in the military. At the same time, he banned the channels for the transportation of funds to the imperial guards, slowly tightened the funds, and wanted to solve the matter silently.

When Xu Ping remembered the way the imperial guards handled such a thing, he wanted to laugh and felt helpless. For a normal army, if such a thing happens, the discipline department will naturally participate. After a strict investigation, the ideological and political department will follow up to eliminate the influence. However, the imperial guards have no functional departments. If something happens, they don’t know where to start. According to the procedures, they can only start from the third yamen to the next level and the commander to solve the problem. When the commander participates by themselves, they will be at a loss.

An army of hundreds of thousands of people, without officials or functional departments, relying on about one hundred public officials to handle daily government affairs, this organizational form seems incredible to Xu Ping. Normal military, command, politics, logistics, equipment, training and discipline are essential. The army thousands of years ago in China had the prototypes of these departments, but in this era they were all gone. Without functional departments, where does the superiors start with the management of subordinates? Only by commanding soldiers? That is a joke. Management is first in charge of affairs, and second in charge of people, and managing people means obeying management of affairs.
Chapter completed!