In the Water Margin, after Ximen Qing became rich, he borrowed money everywhere, not for charity; Wen Shu College in Wutai Mountain, where Lu Da was sent, lent money to businessmen, which was not charitable or free.
In Song Dynasty, the official lending institutions were called Jiaozi House and Huizi House, while the folk ones were called Jiaozi Store, Jiaoyin Store and Qianyin Store. The first private lender is called Qianmin (money owner, money owner, treasury), and the second lender is called Bank Money (People's Bank of China). Title deed, title deed and gold and silver wares are the best collateral. Without real estate mortgage, you can mortgage your wife and daughter.
Qian Min, who has a lot of spare money, is too busy in business to break up, so he entrusts and hires Hang Qian as an agent to lend money on his behalf. As for interest, * * * is the same as sharing, and the sharing ratio is usually 50/50. There is no profit in "making money", and naturally the enthusiasm is very high. These two are similar to real estate owners and salesgirls. The more the sales girl has the means, the more buildings she sells, the higher the property price, and the more commission she gets. If you sell an N-billion building, you will get a 5 million year-end bonus home.
Wang Mingqing's Record of Investment Management said that there was a "Zhang family vat" in Kaifeng, a super local tyrant, and a large group of people worked for money. One day, the second ancestor of the Zhang family visited the teaching assistant's home. I hosted a banquet for him and asked his daughter to persuade him to be "beautiful". The second ancestor asked to marry him. My eyes lit up, but I was embarrassed to say that I was a slave in your hometown. If my slave became an old man's association, he would be laughed at by his neighbors.
Hong Mai's "Jane Yizhi" said that there was a Chen Tai who started selling cloth in Fuzhou, Jiangxi. After he became rich, he lent usury to nearby counties, and his business was booming. In the fifth year of Xichun (1 178), Lao Chen went to Le 'an County to collect debts, but he died. The murderer named Zeng Xiaoliu was one of Mr. Chen's agents. Zeng Xiaoliu borrowed 500 yuan from Teacher Chen to borrow money. He made a fortune. He became the "first leader", opened a warehouse, saved thousands of horses, but wanted to be "Lao Lai", so he killed Mr. Chen directly.
These two stories illustrate: first, the banker and the money people, like people and bosses, have no personal dependence, but are purely dependent on money, so they are risky and test their character. Second, even if bankers call themselves slaves, they are by no means lower class. Zeng Xiaoliu is the "first leader" and Lao Sun is the "teaching assistant", both of which are representatives of local forces.
Third, commercial capital is transformed into usury capital, and usury capital is transformed into production funds for handicraft workshops. Fourthly, it was common for Qian Min to find an intermediary to lend usury in the Song Dynasty. Fifth, the usury activities of the big money people are very extensive, and they collude with bankers to form a considerable usury network.
If money is reliable, people with money will trust it, and sometimes they will run large enterprises instead of people with money. According to records, Wang "has accumulated millions of tons of goods" and "major shipping trade" with Quanzhou. Five years after Xichun, Qian Wuda was appointed as the plenipotentiary and led a 38-member trade team to go abroad to engage in trade 10.