Outside Qingyuan Bank in Anqing Fucheng, Pang Yu and a few Kuaishou were sitting in a food shop, looking at the bank opposite and discussing in low voices.
Ruan Jin reported to Pang Yu, "That Huang Yuntao went to Qingyuan Bank before noon, and then returned to Fuyu Inn to meet with Yang Zhixian's friends. It seemed that the conversation ended on bad terms."
Huang Yuntao was the person who lent Beijing's debt. Pang Yu had already stayed in Anqing for two days. Yang Erming had been going through the formalities at the government office unhurriedly and seemed to be in no rush to take office. Pang Yu also had time to collect information about Huang Yuntao in order to
Develop appropriate countermeasures.
"In addition, the villain also discovered that there are two people who have been following Huang Yuntao. They are either monitoring him or secretly protecting him."
"Is there anything else?"
Pang Yu thought for a while and figured out that he should be the one to assist Huang Yuntao. After all, such a large amount of money was required to go to other places to collect the money. So Huang Yuntao was asked to go alone. He was not only worried about being robbed, but also worried about him escaping with donations. The bank sent
It is more reasonable for people to monitor and respond.
"Those two people also stayed at Fuyu Inn, in a herringbone room with four beds, but they occupied it and no one else lived there."
"The investigation is very clear."
Pang Yu praised, then glanced at the people behind him, "I want to know what Huang Yuntao talked about with Qingyuan Bank. Can any of you think of a way?"
Ruan Jin gritted his teeth and said, "I'll wait for the shopkeeper to go out, go to a remote place and scare him with a knife, and see if he still dares to say anything."
Pang Yu gave a noncommittal hum and turned to the others. He Xianya frowned and seemed to be still thinking. His eyes kept turning to Jiang Fan unconsciously. He had known this person for a long time. Jiang Fan was an old man from the fast class. He Xianya used to give
When Jiao Guozhao is free, we often go out together on errands.
Jiang Fan has been gaining momentum recently and has gained Pang Yu's respect. He has been sent to handle several major events in succession. Matters in the fast class are often discussed with Jiang Fan, which is a great threat to He Xianya's status.
However, the more anxious he was, the more it affected his thinking. He Xianya really couldn't think of any good ideas at the moment.
Jiang Fan was silent for a moment and then said, "Since it's a bank, it must be about money, and it's probably related to the official-printed money.
I can speak Nanjing Mandarin. Can the squad leader allow me to come down and give it a try?"
After Pang Yu nodded in agreement, Jiang Fan straightened up his appearance and went straight to the gate of Qingyuan Bank. He Xianya looked at Jiang Fan's back in surprise and watched him enter the gate.
Jiang Fan walked into the bank in a graceful manner. Jiang Fan was no stranger to this kind of place and this kind of people. Several pawn shops, pawn shops, and mortgage shops in Tongcheng all had this type of goods, and the types of business were similar.
Qingyuan Bank just has a bigger appearance.
"Please ask your shopkeeper to speak."
Jiang Fan said politely to a helper after entering the door.
"Excuse me, sir, why do you want to see our shopkeeper?"
Jiang Fan switched to Nanjing Mandarin and said calmly, "My surname is Jiang. Mr. Huang, who came here before noon, is my companion. He discussed some things with your company, and I would like to confirm it with the shopkeeper of your company in person."
The helper showed a solemn expression, "It turns out to be Mr. Huang's companion. I'm going to find the shopkeeper right now."
After a while, the gang led an old man out, who must be the shopkeeper. With the vigilance typical of a banker, he looked Jiang Fan up and down and then said, "Mr. Huang came here before noon. I have already made it clear.
I wonder what else Mr. Jiang wants to ask?"
He didn't reveal anything in his words. Jiang Fan's mind was racing. He looked at the shopkeeper and asked without changing his expression, "I heard that your company is willing to take over the Beijing debt, but how many points will be deducted? I'm thinking
I heard what the gentleman said in person, because the magistrate felt that the deduction was too much, and I wonder if I could make some concessions."
"Eight deductions and three points are no longer allowed."
After hearing this, the shopkeeper actually relaxed his vigilance and replied with a hesitant look, "Your kind of Beijing debt is originally worth six points and three points, but you have already taken away the bulk. I have to lend him two thousand taels at a time, and that's not included."
The money I gave you privately does not count for eight and three points, how much more can our bank earn?"
Jiang Fan knew that he had guessed correctly, that Huang Yuntao was really going to package the Beijing debt and sell it to Qingyuan Bank. Huang Yuntao had indeed negotiated the deal at Qingyuan Bank, and then went back to discuss with Yang Erming's friends, asking the young magistrate to get another loan.
, return the money to Huang Yuntao first, so that Huang Yuntao can rush back to the capital as soon as possible and earn a fortune.
"Beijing debt loaned to magistrates is a hot commodity. Even if your account is counted as nine and three points deducted, you will definitely make a profit without losing anything."
Jiang Fan said calmly, "If you say Ba Kou, the county magistrate will have to pay an additional five hundred taels of debt. They may not agree to it. This will deprive you of a good deal. I am here to try my best to facilitate this matter."
The shopkeeper rolled his eyes, looked at Jiang Fan for a moment, then extended his hand and said, "Then please invite Mr. Jiang to come in and talk in detail."
"Shopkeeper please."
...On the second floor of Qifeng Pavilion outside the south gate of Fucheng, a delicate woman held a wine glass and brought it to Huang Yuntao's mouth. Huang Yuntao took a pleasant sip, and the woman put a dried fruit into his mouth.
"Beauty brings delicious food..." Huang Yuntao had just said half a sentence when there were several knocks on the door.
Before Huang Yuntao could speak, a young man opened the door and walked in.
Huang Yuntao stared at the young man warily, looked at the open door and asked, "Young Master and I are strangers. Did this Young Master go to the wrong door?"
"I really don't know each other, but I didn't go to the wrong door."
Pang Yu said politely, "After I introduced myself, Brother Huang recognized me."
Huang Yuntao sneered, "But Huang doesn't want to recognize you, so there's nothing he can do about it."
After Pang Yu looked at the confused prostitute next to him, he turned to Huang Yuntao and said with a smile, "Brother Huang, why do you want to reject people thousands of miles away?"
"Because Huang's employer has lent Beijing debt for nearly ten years, Huang has always dealt with officials throughout his travels, so he knows what you want to do without having to guess.
You came here today just to treat Huang with both soft and hard tactics. You always want to take some benefits from Huang and use them to please the magistrate. But Huang tells you that people who can lend Beijing debt are not afraid of minions like you.
Huang’s tricks are just not what you want.”
Pang Yu was still not angry and ignored Huang Yuntao's somewhat angry gaze. He picked up a dried fruit from the table and put it into his mouth.
It’s over, I shouldn’t be blamed anymore.”
Huang Yuntao said disdainfully, "Then Huang would like to listen."
"Mr. Huang has been in and out of several banks in Anqing. Unfortunately, I have also worked in a bank. Let me take a guess.
Mr. Huang wants to transfer the debt of Yangzhi County to a local bank in Anqing, that is, let Yangzhi County borrow another debt from Qingyuan Bank with a deduction of eight and three points. If you pay back your money first, then Qingyuan Bank will naturally pay more.
Give Mr. Huang a reward of one hundred and fifty taels."
Huang Yuntao's eyes changed a little, because he thought that the matter of Qingyuan Bank was secret. Even the friend in the scene only said that he meant to resell it, and did not mention that it was Qingyuan Bank. This person must be following him.
"You are a bitch, but you want to use that money to blackmail Huang. Huang's employer just doesn't mind these things.
The Zhongjian silver given to me by Qingyuan Bank is indeed one hundred and fifty taels. If you want to please the magistrate, you can do it, but Huang will charge you three hundred and fifty taels alone."
Pang Yu took the woman's wine glass again, but the woman did not dare to stop him. Pang Yu wiped off the lip marks on it, then filled the wine and took a sip. Then he said leisurely, "Mr. Huang did not avoid those two long attendants."
, naturally I’m not afraid that my boss will know.”
Huang Yuntao frowned and leaned forward slightly. Pang Yu seemed to know everything, but he knew nothing about Pang Yu, which made him feel very uncomfortable.
"Mr. Huang's debt to Yang Zhixian was 2,000 taels, and he paid 1,300 taels in the form of an IOU. He then charged 60 taels of interest every month, which is six and three points deducted. How can I repay you with the magistrate's salary?"
"It's sixty-five bucks."
Huang Yuntao finally found an opportunity to fight back, "We all know how much money the magistrate of Nanzhili County can earn every year. The regular amount of silver alone is only one thousand taels. You can save your breath and don't need to talk about how much money you have."
Pang Yu did not dwell on the matter, and continued with a smile, "If you resell this Beijing debt to Qingyuan Bank, it will be eight points and three points deducted. Qingyuan will give you two thousand taels of silver to repay the debt, but Yang Zhixian's total debt will be
It has become 2,500 taels. At a profit of three cents per month, Qingyuan will have to pay 75 taels. You changed hands and made Yang Zhixian have an additional debt of 500 taels of silver, and he will pay an additional ten taels per month.
Five taels of interest, if you treat the imperial seal official like this, you still know what the king's law is."
Huang Yuntao narrowed his eyes and looked at Pang Yu, "Borrowing debts and repaying money is a natural thing. Let alone a county magistrate, the same applies to officials in the capital.
The laws of the Ming Dynasty clearly stipulate that for all private money, debts, and pawned property, the monthly interest cannot exceed three-thirds. Anyone who violates this rule will be punished with a cane of forty, and the remaining profit will be used to calculate the stolen goods. If it is serious, it will be considered as stolen goods, and the crime will be punished with a hundred canes.
The deduction of three points for sixty-five points does not violate the law of the Ming Dynasty. The deduction of three points for eight points for resale is the same, because the law of the Ming Dynasty does not stipulate a certain number of deductions. This is called Wang's law.
We who lend money to Beijing are all dealing with officials. I know the tricks you use better than you. Neither the Ming Law nor the "Regulations on Punishment" will give you a chance to convict us."
After Huang Yuntao finished speaking, he was very proud. The Ming Law was formulated in the early Ming Dynasty, and Zhu Yuanzhang was too confident and was not allowed to change a word. He only thought of stipulating interest, and deducting the credit if he borrowed money.
Pang Yu said calmly, "It turns out that Mr. Huang knows everything, even the official debts in the "Penal Inquiry Regulations".
"According to the "Regulations on Penalty", elected officials, supervisors, etc. who borrow debts and go to office with the creditor and guarantor to repay more than fifty taels, the borrower will be dismissed from office, and the creditor and guarantor will each be released for one month, and the debt will be repaid.
Chase into the official.
You, a dog official, think that if we deal with the punishment according to the interrogation regulations, which one is more uneconomical, Huang or Yang Zhixian?"
Pang Yu touched his chin and turned his head to look at Huang Yuntao. This person's level of dislike had indeed reached a certain level.
It wasn't until Huang Yuntao felt a little uncomfortable that Pang Yu said calmly, "Which one of you is more worthless has anything to do with me?"
Huang Yuntao was stunned for a moment, and Pang Yu continued, "I just want to handle something for you, and it is indeed related to the Beijing debt. The purpose is to prevent Mr. Huang and Yang Zhixian from suffering a loss. Before that, I would like to introduce it to Mr. Huang.
He is not called a dog official, but his surname is Pang and his name is Yu. By virtue of his ability to kill more than thirty thieves this time, he is now appointed as the leader of Tongcheng's fast squad."
Huang Yuntao's expression changed slightly, "Are you that Zaolii from Tongcheng who... killed dozens of people?"
"It's just more than thirty heads. We could have killed only one or two leaders."
Pang Yu said easily, "Mr. Huang, do you know why I finally decided to kill more than thirty people, but not just the leader?"
Huang Yuntao's eyes were a little evasive, "I don't know."
Pang Yu said easily, "Because those thirty people delayed me in doing my own thing, the feeling of beheading is not wonderful. I have tried both long and short knives. The most difficult one is the butcher knife, which cuts the muscles on the side of the neck."
It is often necessary to saw many times, and the neck bone is even more expensive. This is how the cutting edge wears out.
I'm not bloodthirsty, I just don't want anyone to delay my work."
The woman who was listening had a look of panic on her face, she slowly took two steps back, and tremblingly supported the wall and left the room.
Pang Yu looked at Huang Yuntao. From Huang Yuntao's expression and body language, he could already feel the other person's fear. It seemed that his reputation had indeed spread far and wide.
Huang Yuntao licked his dry lips and suddenly had nothing to say. He was very familiar with the officials in the system, but the kind-faced murderer in front of him made him feel like he didn't know how to deal with it. He was confused and confused.
It seemed as if Pang Yu could take out a knife and cut off his head at any time.
"Not long after the Tongcheng chaos subsided, everything was uneasy. Mr. Huang came all the way from the capital. Pang didn't want Mr. Huang to be in any danger, nor did he want Mr. Huang to suffer."
Pang Yu picked up the jug and filled Huang Yuntao's cup, then handed it to him with a smile, "Pang thinks there is no need for Mr. Huang to take risks in Tongcheng.
Pang will give you the two thousand taels of silver, as well as the one-hundred-tael interview fee. In this way, Mr. Huang will not suffer a loss and can return to Beijing earlier, and Magistrate Yang will not have to pay an extra five hundred taels of debt. I will take care of it later.
I have accomplished what I want to do, and everyone is happy. I wonder if Mr. Huang will let me get it done?"
Facing the friendly smiling face in front of him, Huang Yuntao stretched out his hand tremblingly to take the wine glass.