Xiao Qin'er came to the Shaofu Yamen to apply for a loan.
The official in charge of the money shop in the Shaofu warmly welcomed Xiao Qiner.
"How much money do you plan to borrow, Madam?"
Xiao Qin'er had a serious expression on her face, as if she was trying to cheer herself up and force herself to make up her mind.
She bit her lip and blurted out, "One hundred thousand taels!"
The trusted maidservant who followed her was frightened and secretly pulled Xiao Qin'er's sleeve.
"Madam, isn't one hundred thousand taels too much?"
Xiao Qin'er said: "It's okay! This lady can still afford it."
The official from the Shaofu Bank smiled broadly. "With Madam Yi's financial resources, she can certainly repay the debt. I wonder what collateral she plans to use."
"Do you still need a mortgage?" Xiao Qin'er was a little confused.
It was her first time to borrow money from a bank, and given her status, she even had to provide collateral.
The official from the Shaofu Bank said affirmatively: "According to the bank's rules, all loans require collateral."
"I am the wife of a prince and I won't run away. Why do I need a mortgage? My face is the mortgage." Xiao Qin'er was very dissatisfied.
The official from the Shaofu Bank said, "Madam Yi, please calm down. To be honest, even if Madam Zhao were to apply for a loan, she would still need collateral."
"You said that my sister-in-law also needs to provide collateral when she borrows money from your Shaofu Bank?" Xiao Qin'er couldn't believe it.
The official from the Shaofu Bank nodded repeatedly, "Yes, Madam Zhao is no exception. This is the bank's rule, and no one is allowed to break it."
Xiao Qin'er was dissatisfied, "Rules are dead, but people are alive. Can't we be flexible?"
The official at the Shaofu Bank shook his head. "If it were anything else, perhaps there might be some flexibility. But the rules of the bank are absolutely unbending. We've been told time and again that all loans and borrowings must be handled according to the rules. Anyone who doesn't follow the rules will be held accountable."
Then, the official from the Shaofu Bank lowered his voice and said, "The Shaofu inspectors are stationed throughout the country and occasionally check the bank's account books. If I give you an leniency today, you could be dismissed, have your property confiscated, and be exiled tomorrow. I beg your pardon."
Xiao Qin'er frowned, feeling very irritated. "What kind of collateral does your bank require?"
The official from the Shaofu Bank flipped through the documents and said, "Madam, if you want to borrow 100,000 taels, it would be best if you could use the house and land deeds as collateral. House and land deeds are valuable, and it would be easy to get it done."
"Does it have to be a house deed or a land deed?"
"It's best to have a title deed."
Xiao Qin'er pulled the corners of her mouth together, looking unhappy.
The maid cautiously reminded her, "It's better to borrow less."
Xiao Qin'er said, "I'll come back tomorrow. Can I get the money after I complete the formalities?"
"Yes! Once the formalities are completed and the title deeds and land deeds are confirmed to be in good condition, you can get the money."
"Remember to prepare 100,000 taels for this lady. This lady will come to pick up the money tomorrow."
Xiao Qin'er got up and left.
When I went out, I met Huang Qubing who looked dizzy.
"Huang Qubing!"
Xiao Qin'er called him.
Huang Qubing shook his head, finally coming to his senses, "Madam Yi? Why are you here?"
Xiao Qin'er hesitated for a moment, thinking that she couldn't hide it, so she told him frankly, "I came to apply for a loan. But your guys told me that I need collateral."
Huang Qubing uttered an "oh," and said, "Loans do require collateral. How much money would you like to borrow, Madam?"
"One hundred thousand taels!"
Huang Qubing frowned, curious, "Borrowing 100,000 taels, what do you plan to do with so much money, Madam?"
Xiao Qin'er raised her eyebrows and smiled, "To be honest, I plan to buy shares in Universal Transport."
Huang Qubing frowned, thought for a moment, and then reminded implicitly, "In my opinion, fifty thousand taels is enough."
"I want to borrow a hundred thousand taels."
"One hundred thousand taels, one year's term, that's more than ten thousand in interest a year."
"The dividends from Huanyu are definitely higher than the interest from Shaofu." Xiao Qin'er was very confident about this.
Huang Qubing didn't want to watch Xiao Qin'er jump into the pit. "If you trust me, just lend me fifty thousand taels. I have no reason to harm you."
Xiao Qin'er was puzzled at first, but then suddenly realized, "You are close to my sister-in-law. Could it be that you have some inside information? Tell me quickly."
Huang Qubing waved his hands repeatedly, "No inside information, no information at all. I'm leaving first."
Huang Qubing ran away as if he was escaping.
Xiao Qin'er stamped her feet in anger.
She returned to the Fourth Prince's Mansion and had no intention of doing anything. She kept thinking about what Huang Qubing had said.
Why did he repeatedly remind her to borrow 50,000 taels?
Should she listen to Huang Qubing's advice?
Before Xiao Qin'er could make up her mind, Liu Yi came over.
"I heard from the servants that you went to the Shaofu today. What did you do?"
Xiao Qin'er frowned. She was very dissatisfied with Liu Yi's tone.
"Are you interrogating me?"
"I'm concerned about you. Are you going to the Shaofu to borrow money?"
"You already know everything, why are you asking me?"
"Are you really planning to borrow money to buy bonds and shares in Universal Transport?"
Xiao Qin'er snorted, "I just don't believe you won't buy shares in Universal Transport."
"I used my own money, not borrowed money."
Xiao Qin'er sneered, "Why do you care whether I used my own money or borrowed it? I didn't ask you to help pay it back, so why are you so anxious?"
"Don't be so unreasonable, okay? We are husband and wife. If you can't pay the money back and the palace is alerted, have you thought about the consequences? Then it won't be you who will be blamed, but His Highness."
Bang!
Xiao Qin'er slammed the table and stood up. "Don't worry, I won't implicate you. Over the years, I've saved up a little money. If you really can't pay me back, I can just sell my farm and shop and give you an explanation."
Liu Yi was distressed. "Can you please not be angry? I'm just concerned about you."
Xiao Qin'er sneered, "Thank you for your concern, but I don't care. You should leave it to your concubines and illegitimate children."
"Stop talking nonsense."
Xiao Qin'er held out her slightly bulging belly and asked, "Liu Yi, are you sure you want to quarrel with me?"
Liu Yi stared at Xiao Qin'er's abdomen and sighed, "From the beginning, I never thought of quarreling with you. I was just worried about you."
"Thank you! Don't worry about it."
Xiao Qin'er sat down on the couch, clearly trying to drive people away.
Liu Yi had no choice but to leave in anger.
The trusted maid persuaded Xiao Qin'er, "Madam, why bother arguing with His Highness and forcibly driving him out?"
"If I don't kick him out, does that mean I'll invite him in? Ridiculous! I'm the wife of a prince, not a concubine in the backyard. I don't need to be favored to survive. Your Highness dares to favor a concubine over a wife, and dares to favor a bastard over a legitimate son. I have a hundred ways to make him regret it."
As the legal wife and a daughter of the Xiao family, Xiao Qin'er naturally has the confidence.
Over the years, with Gu Jiu as an example, these princes' wives have all become extremely tough.
If Gu Jiu had not set an example, they might still be like other women, competing with a group of concubines for the favor of men and fighting in the house every day.
While suppressing the women in the backyard, she also tried to please the men, for fear of angering the man in charge, which would affect her own status in the mansion and the situation of her children.
Now, there’s nothing to be afraid of!
As the wife of a prince, not a bullied young wife from a small family, there is no need for her to rush to please a man.
Look at Empress Pei, has she ever tried to please Emperor Wende?
Has Gu Jiu ever tried to please Liu Zhao?
Although Empress Pei and Gu Jiu, the mother-in-law and daughter-in-law, have always been at odds, they have many similarities in their attitudes towards men.
The difference is that Empress Pei is not as confident as Gu Jiu, and she is not as tough as Gu Jiu in her words and deeds.
Even Empress Pei had to give in after hearing so many words.
However, over the years, Empress Pei has never really tried to please Emperor Wende.
The same thing happened when I was in the palace.
In the past, the queen would also arrange for beauties to serve the emperor.
When it came to Empress Pei, she had never thought of taking the initiative to arrange women to serve Emperor Wende.
Xiao Qin'er had money, a son and a daughter, and a strong family, so she wasn't afraid of Liu Yi. She wasn't worried about any other woman being able to surpass her.
She looked refreshed, but the maid was worried.
She thought the maid was too noisy and sent her out directly.
The next day, he took the house deeds and land deeds to the Shaofu to apply for a loan.
She decided to accept Huang Qubing's suggestion and only borrow 50,000 taels.
It was still the Shaofu Money House official from yesterday, who was enthusiastic about lending money.
When he heard Xiao Qin'er change her mind and ask to borrow 50,000 taels, he still smiled.
With the collateral in hand, the review was conducted quickly and the formalities were completed.
Fifty thousand taels of silver were soon delivered to Xiao Qin'er.
She was excited and relieved.
When I went out, I unexpectedly ran into Ouyang Fu.
"What a coincidence! Second sister-in-law came to the Shaofu, looking for someone to do something?"
Xiao Qin'er looked at Ouyang Fu with a half-smile.
Ouyang Fu felt a little embarrassed when she was spotted by an acquaintance.
She smiled awkwardly, "Yeah, I didn't expect it to be such a coincidence. Is Fourth Sister-in-law here to look for someone or to do something?"
Xiao Qin'er pursed her lips and smiled, "I asked my second sister-in-law first."
Ouyang Fu's eyes were dazed for a moment before she said, "I'll do the job."
"What a coincidence! I'm also on errands. But I've already finished, so I'm leaving first. Sister-in-law, take your time, don't rush. There are still many days until the half-month deadline."
Ouyang Fu staggered and almost fell on the stairs.
Xiao Qin'er laughed and got into the carriage and left.
Ouyang Fu bit her lip, looking unhappy.
The maid said, "The fourth lady must be here to borrow money."
Ouyang Fu frowned and scolded softly, "Why are you saying that? Hurry up and help me in."
That’s right, Ouyang Fu and Xiao Qin’er had the same idea and also came to the Shaofu to borrow money to buy shares in Universal Transport.
Over the years, she has earned a lot of money from traveling around the world, but her expenses are also high.
There is very little money on hand.
If you want to buy shares in Universal Transport, you can only rely on borrowing.
She didn't want to alarm her family, nor did she want others to laugh at her, so she decided to apply for a loan from the Shaofu.
Unexpectedly, I met Xiao Qin'er before I even entered the door.
It's really a bad year.
…
People all over the capital were gearing up and trying to find ways to raise money to buy shares in Universal Transport.
With five days left before the half-month deadline, the latest episode of "Da Zhou Life Show" announced the specific methods of Universal Transport's IPO.
Universal Transport will accept real-name registration within the next five days.
Only those who have a registration certificate can purchase Universal shares.
The registered location is all of Sihai's branches and businesses, including Wenqing Bookstore.
As soon as the announcement was made, the common people and the rich in Beijing came out in droves, all flocking to the major branches of businesses and Wenqing Bookstore.
The door of Wenqing Bookstore was blocked again.
Fortunately, we were prepared this time.
Ten tables were lined up at the entrance.
Ten clerks sat at the table and began to register.
"Please line up and do not push. Anyone who dares to cut in line will be disqualified."
"No fighting, no disrupting order. Anyone who dares to break the rules will be blacklisted."
"What is a blacklist?"
"A blacklist is a blacklist. Don't ask so many questions."
The queue stretched for a very long time, and the street was completely blocked. No cars or people could pass.
You said please make way and pass by.
When you are trying to cut in line, don't let the people in line cut in line.
Even so, no one was angry and no one made trouble.
The atmosphere was more harmonious than ever before.
The owner of Wenqing Bookstore sat behind the counter, drinking tea, singing songs, and clapping his hands to the beat of his own drum. He was so relaxed.
No one can come in to buy books today, so it's just a holiday.
Yan Ci was drafted into the army and sat at the table to register everyone.
He was very annoyed.
I met several foreigners who spoke Mandarin terribly, with such thick accents that I couldn't understand what they were saying.
"I know, I know."
Wang Sangen was very excited that it could finally be put to use.
The stranger spoke the dialect of his hometown, which sounded very familiar.
Cui Qi was also sitting behind the counter, holding a book, looking relaxed and comfortable.
The shopkeeper flattered him, "Boss, you are worthy of being the boss. The place outside is almost packed, but the boss is not panicking at all."
Cui Qi didn't even look up as he flipped through the pages of the book, seriously correcting the shopkeeper's words, "I'm not the boss. I'm just a small shareholder who gets dividends, and I work for the boss just like you do."
"Hahaha……"
The shopkeeper is so embarrassed!
The flattery hit the horse's leg.
－－－－－－Digression－－－－－－
I updated it a long time ago, but the update didn't show up on my PC or the app. So frustrating!
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