Tianliangyuan

How did he end up on the tatami mat in Chapter 359?

Actually, Xie Zheng's thinking is not unreasonable.

I suspect that Gu Dongyang, the Minister of Revenue, would have thought the same thing.

After all, Xu Zhaozhao's environment in her previous life was different from theirs, so her perspective and way of thinking were naturally different as well.

"Does Sanlang think I'll definitely lose money if I open a pawnshop?"

Xie Zheng hesitated for a moment, feeling that he might have misjudged the situation, but still nodded and said, "Once the government's pawnshops open, people will naturally give priority to the more reliable pawnshops if they need to borrow money, and pawnshops will naturally become unpopular."

Xu Zhaozhao smiled.

If Xie Zheng has this idea, then others will have it too.

So, her chance had truly arrived.

Xu Zhaozhao gave Shaoyao a look, and then the house became quiet both inside and out.

"In principle, things should be done in secrecy. This matter has not yet taken shape, so I should not reveal it first. But you and I are husband and wife, and we are one body, so it is not a problem to tell you."

Xie Zheng choked, feeling as if he had been meddling in something.

"Let's not even talk about whether the kind of large-scale money exchange we mentioned earlier can be opened. Even if it is opened, its main purpose is to accept deposits and pay interest, while lending out money and earning interest."

First of all, the lenders in these money shops weren't ordinary people; they were mainly merchants, though some public funds might also be involved. I'm referring to the possibility of dealings with certain government offices.

Pawnshops also differentiated between demand and fixed-term loans. Fixed-term loans typically followed a seasonal pattern, such as quarterly lending. Merchants often dealt in various grains, mountain products, local specialties, medicinal herbs, and teas, all of which were seasonal. Therefore, pawnshop operations were tailored to the specific circumstances of merchants.

After all, the money changers make their profits by lending money to these merchants. Do you think I'm right, Sanlang?

Xie Zheng nodded. It was the same statement. Although Xu Zhaozhao's statement last time was not very detailed, it was roughly the same.

Overall, if the Daxing Pawnshop can indeed be opened, then it will mainly rely on lending to replenish the national treasury.

This is a good thing.

A great thing that benefits the country and its people!

That is why His Majesty has now ordered Minister Gu and Fu Pei to take charge of this matter and to draft a more detailed and feasible set of regulations so that it can be implemented on a trial basis in the capital.

Once the trial run in the capital city proceeds without problems for more than three months, it will then spread outwards from the capital city, at least to all areas surrounding the capital.

According to Minister Gu's previous intention, there should be at least one such place in each county.

Xu Zhaozhao found something she had written earlier and handed it to Xie Zheng.

The money shops accepted deposits and paid interest; at the same time, they lent money to merchants in exchange for interest.

This is just the theory behind how money lenders make money; in reality, it's far from simple.

This is the list of problems and drawbacks that Xu Zhaozhao has put forward.

Xie Zheng was increasingly alarmed as he read on. He had never imagined that his wife could think so far ahead and be so thorough.

"These are all the questions I can think of so far. Perhaps Lord Gu and Lord Fu will come to visit in the next day or two. Although I am a county princess, I am still a woman and it is inconvenient for me to get involved in this matter. My husband will take a closer look and then I will have to trouble him to discuss it with them in detail."

Xu Zhaozhao can show a glimpse of her talent to Fu Pei, but she cannot reveal even the slightest bit of it to Gu Dongyang.

Not at least not now!

Xie Zheng wrote all of these down, then looked at Xu Zhaozhao.

"What does this have to do with you opening a pawnshop? The problems listed here are all drawbacks of pawnshops, and they are not difficult to solve."

"Yes, it's not difficult to solve."

Xu Zhaozhao's gaze suddenly turned deep, and she slowed down her speech: "Sanlang, if the court is determined to accomplish this, it will inevitably need to recruit a large number of people."

Xie Zheng was taken aback when he heard this, but then he understood.

"Zhao Zhao wants to send someone in?"

"Isn't it obvious? Besides, whether it's the Xie clan, the Xu clan, or some of the old friends and subordinates of both families, there are always some who don't have enough to eat. Wouldn't it be better to give them a chance to have enough to eat and wear?"

Xie Zheng remained silent for a moment, then lowered his head slightly, his tone somber.

"Zhaozhao, this is all thanks to you, I can't take advantage of you. Besides, you've already helped the Xie family a lot, there's no need for you to worry about it anymore."

Xie Zheng was speaking from the heart.

Xie Lin and Zhou Shiqian were arranged by her to have better futures, and Xie Zheng didn't know how to thank her. Now, he owes her another big favor.

“Sanlang, you’re overthinking it. We’re husband and wife! Your well-being is my well-being. The Xie family is a huge clan, and it’s not good if only you are doing well. Whether you like it or not, the Xie family will become either a burden or an asset to you. So, by helping the Xie family, I am helping you; by helping you, I am helping myself.”

Xie Zheng felt his throat burning, but he couldn't utter a word of gratitude.

At this moment, it seems that anything said would be inadequate.

So Xie Zheng simply gave up on saying nice things and went straight for a kiss.

Xu Zhaozhao didn't expect that this person would kiss her at this moment.

So, what was originally supposed to be a discussion between the two about whether the pawnshop would lose money gradually turned into something more indecent.

When Xu Zhaozhao's clothes were half off, she remembered that she still had something to say, but when she saw the man's muscular body and eight-pack abs, what else was there to say?

No matter how much money you make, nothing is more important than the beauty right in front of you!

So... let's eat him first!

And so, the two of them consummated their marriage right there on the soft couch in the study.

When Xu Zhaozhao fully regained her senses, she was only glad that she had sent all the servants away early, otherwise she would have been so ashamed.

After the two bathed, Xie Zheng carried Xu Zhaozhao up to the second floor of Yuehua Pavilion. Xu Zhaozhao lay on Xie Zheng's chest, her ear pressed tightly against his heart, listening to his strong heartbeat, feeling extremely safe.

“Zhaozhao, although I don’t know how you plan to run the pawnshop, I trust you. This small inner quarters shouldn’t confine you.”

Xu Zhaozhao didn't say anything, but just hugged his waist tightly. This was her man, how wonderful!

Xie Zheng had one arm around her waist and the other hand playing with her long hair.

“I’ll transfer Aunt Song Qing to your side. If there are any more unseemly things, let her relay messages to the subordinates. You don’t need to get involved.”

Xu Zhaozhao was taken aback and raised her upper body: "What did you say? Aunt Song Qing?"

Xie Zheng looked at the spring scenery before him, his eyes darkening slightly. He swallowed with difficulty, his voice slightly hoarse: "Well, don't underestimate Aunt Song Qing. Although she doesn't practice martial arts, she understands pharmacology. She is familiar with and experienced in some of the dirty tricks used both inside and outside the home. With her helping you, I can feel more at ease."

This time, Xu Zhaozhao used Jiang Wenchong to cripple Cui Hu, and then in turn used the Cui family to target Jiang Yanhui, which really frightened Xie Zheng.

It took him several days to figure out some of the key points.

His wife is very clever, but that doesn't mean there aren't any hidden dangers!