The so-called "Zi Qian Family" refers to people who lend money and get interest. It is just like a loan shark. After lending money, in addition to recovering all the capital, you can also get another significant amount of profit. It is like "money can give birth to a child". Therefore, the capital is called "mother's money" and the profit is called "zi Qian". Those who run this business are called "zi Qian Family".

During the Former Han Dynasty, the Wuyan clan of the Qian family of Chang'an (Wuyan clan), took advantage of the rise of troops from the seven countries of Wu and Chu, and borrowed money to obtain interest, becoming a wealthy man in Guanzhong.

"Records of the Grand Historian: Biography of Merchants": "When the seven states of Wu and Chu started their troops, the lords of the lords from Chang'an were enfeoffed to join the army and borrowed (jī dài) Ziqian's family thought that the Houyi Kingdom was in Guandong, and the success or failure of Guandong was not decided, so they were not willing to pay it. Only Wu Yan's family donated a thousand gold loans, and their interest was ten. In March, Wu and Chu Ping. In one year, Wu Yan's family would have ten times more interest, and use this wealth to Guanzhong."

It is said that during the chaos of the Seven Kingdoms, most of the fiefs of "Leihousen" in Chang'an City were far away in Guandong. However, Chang'an was far away from the fiefs and was beyond reach. The fiefs of the lords were difficult to prepare all the carriages and horses and weapons for a while, and they urgently needed to raise money to buy them. Only by borrowing debts from the Qian family of the Zi in Chang'an City. However, due to the situation of the war, it is still difficult to judge. The Qian family of the Qian family of the Chang'an City was worried that once Guandong was lost, the fiefs of the Quarter's fiefs would be gone and it would be difficult to recover the loan. Therefore, they were unwilling to lend.

Only Wu Yan clan judged the situation. He thought that it had been fifty years since the founding of the Han Dynasty. Although there had been a rebellion of kings of different surnames in the early days, it was soon destroyed. In addition, the war was endless at the end of the Qin and early Han dynasties, and people were determined to rebel, and the rebellion was unpopular. Therefore, the rebellion of kings of the same surname would definitely be defeated. We should seize the opportunity of a once-in-a-lifetime opportunity and make a fortune. However, on the surface, we pretended to be like other sons and Qian families, and were very optimistic about the prospects of the war and repeatedly told those who borrowed the debt: It is still difficult to predict when the war will end, and the risks cannot be controlled. Unless we are willing to make high profits, we will never lend money.

The Lehou was fed to lead the troops to quell the rebellion, so they borrowed 10 million yuan from the Wuyan clan with ten times of profit. How could they not work hard? In just three months, they could quell the rebellion of the seven countries. The Lehou was fed back to repay the debts, and the Wuyan clan was rich in Guanzhong. Ten million yuan was achieved in three months, and earned 100 million yuan.

From the perspective of later generations, the Qian family of Chang'an, represented by Wu Yan, is the prototype of a banker.

Especially the perception of risks and profits is almost the same as that of later bankers. That is, risk is proportional to returns.

The biggest difference between the Ziqian family and the average usury loan shark is that they are at the top of the industry: they only lend money to the lords of the lords. In this way, in the fourth year of Emperor Wen of Han, "(Heyang) Hou (Chen) Xin was not responsible for the people's responsibility for June, and the country was eliminated." It should be seen that Chen Xin, the lords of Heyang, must have borrowed debts from the Ziqian family in Chang'an, and was eliminated by the lords. This matter also shows that the Ziqian family is powerful and is definitely not an ordinary merchant.

This was the case in the former Han Dynasty, and the present Han Dynasty was also the case. However, the Qian family of Zi and the nobles moved from Chang'an to Luoyang.

However, today's Han Dynasty is different from the previous Han Dynasty. The waiters only enjoy their achievements and have no power to govern the country. Therefore, the Qian family of Luoyang began to lend to the second-class nobles and powerful people.

Liu Bei's treasure warehousing also has this function. However, it is for all citizens. It is mostly low-interest or even interest-free loans. Not to mention ten times the profit, even ten-date interest rates (10%) are not exceeded. The maximum is only 5000 (5‰).

Because of the huge profits of the Ziqian family, the late emperor secretly placed a large amount of coins obtained from selling official positions and titles to the Ziqian family in Luoyang to obtain huge profits. The "Ziqian Jipu" which records the whereabouts, contracts and coupons of copper coins were held in the hands of Zhang Rang and Zhao Zhong.

Feng Xi smiled and said, "The Lords are about to die and have not yet awakened. We can see how many powerful and powerful people in Luoyang have been running secretly over the years. Taihuang Empress Dowager Dong, Taihuang Empress Dowager Dou, and Empress Dowager He, the miserable master, are all..."

"We're going to be guilty?" The hooked and shield made Song Dian blurted out.

"Haha!" Feng Xi sneered: "Everyone wants to kill all the three tribes of the great men!"

"The person died and the debt was destroyed." Zhang Rang had already awakened: "Just kill us and copy out the "Zi Qian Ji Book", and the countless copper coins scattered by the late emperor were gone. The Zi Qian family in Luoyang made more than a hundred times profit!"

Zhao Zhong said, "I will not hide it from Feng Changshi. The reason why we live in the world is to turn over with the "Zi Qian Jipu". If we hand over it now, how can we protect the whole family and the whole life of wealth."

"Well." Feng Zi smiled and said, "You guys have stopped believing my words. In this way, I will change someone."

Before he finished speaking, he slapped three times.

The prison door restarted. Another person was sent to the prison.

Everyone in the prison looked closely and blurted out: "Shao Ling?!"

"Zuo Feng, pay homage to all the elders." It was the Huangmen Order Zuo Feng.

Zhang Rang and Zhao Zhong understood: "So that's it, so that's it!"

Feng Xi asked with a smile: "Sir, can you believe it?"

"How can I not believe it if my youngest person comes forward, old slaves, etc." Zhang Rang replied lying: "It is important to be important, so I will follow my ears."

"Okay." Zuo Feng approached.

Zhang Rang hesitated again and again. His life was at stake, but he only revealed the truth. However, before he could speak, he had already burst into tears, as if there was a heart-wrenching pain. There was no such thing as the weight of his heart.

Zuo Feng did not force each other. After crying, Zhang Rang revealed the feelings before and after.

The sealed ears were spread out, intermittently, and I could only hear: the rooster crowing in the hall, the golden crow on the city, the beautiful girl in the river, and so on.

As soon as I thought, I recalled a widely circulated child proverb in the capital during the reign of Emperor Huan: "The black on the city is the tail of the lunar calendar; the official is an official and the son is an disciple; one is a disciple, and one is a train, and a hundred rides a car. The train is scrambled to Hejian; the female worker in Hejian counts money and uses money as a room and a gold hall. The yellow beam is pounded on the stone, and there is a hanging drum under the beam. I want to hit the emperor and you are angry."

The first half of the child proverb starts with the method of "the crows shake their tails on the city", predicting that the barbarians rebelled after Emperor Huan ascended the throne, implying that the situation was broken. The latter half of the sentence "Cars, enter Hejian", indicates that Emperor Huan is about to die. The court sent a large group of carriages and horses to welcome Emperor Huan from his nephew Liu Hong to the capital, which was Emperor Ling of Han. After Emperor Ling ascended the throne, he sold official positions and titles with his mother, Empress Dowager Dong, so this beautiful woman from Hejian was busy counting money all day long, as if she had lived in a palace made of money. Therefore, the second half of the sentence is "pounding yellow millet and rice on the stone" as a comparison, which mocked the Queen Mother Yongle, although she had saved countless copper, she was extremely stingy and ate only yellow millet and rice for three meals. It also pointed out that Emperor Ling's court was corrupt, and the upright people in the world wanted to beat drums and make trouble, but were angry by the hawks and dogs in the court.

"The golden crow on the city" is like a crow and likes to eat alone and does not share it with the people. And "The Girl of Hejian" refers to the Queen Mother Dong of Yongle. Today's Queen Mother Dong.

Obviously, the Jiming Hall in the West Palace is where the "Zi Qian Jipu" hides.

After hearing Zhang Rang's secrets, Zuo Feng stood up and said, "Sir, please feel at ease. Just get what you want, the whole family is small, rich and prosperous, and you can enjoy it endlessly."

"If you have time, you have no orders." The officials in the prison bowed in tears.

Feng Xi witnessed everything and couldn't help but sigh. This world is still the world of the Han family.

After leaving Beisi Prison, Feng Zi left Zuo Feng and returned to Yongle Palace without mentioning it.
Chapter completed!