第三百八十七章 借贷业务(2 / 2)

杨俊康听了,赶紧拒绝道:“桃子,我是你小叔,你有困难的时候小叔都没帮上忙,现在怎么能要你的钱呢,使不得。”

杨俊康看见时候不早了,也不再继续摆摊,开始收拾东西,杨桃见他执意不收,心里有点担心,这出门在外哪哪都需要钱,兜里没钱怎么安心考试。

她站在原地看着小叔边忙活边自我安慰的说道:“不用担心,我之前卖的字画也攒了十几两了,还有爹娘给的零用钱,足够去州府考试的,桃子就不用担心了。”

杨桃看着他年纪不大,心里却一直想着怎么才能不拖累家人,他边说边道:“学堂的夫子说对我说,以我现在的学识考过乡试应该没什么大问题,但是全国的考生学识高低不平,过了会试恐怕有点难,不过能考个秀才也不错,到时候回家做个教书先生,关键是还可以免除差徭,见知县时不用下跪、知县不可随意对自己用刑、遇公事可禀见知县,我就能守在家里照顾家人了。”

杨桃看着他的话语,虽然爷奶不待见自己和爹爹,但是他们对小叔和二叔的一家从不缺乏,小叔有这样的想法也是人之常情。

看见小叔收拾的差不多,便邀请他去飘香楼吃饭。

杨俊康笑了笑,道:“侄女请吃饭,这个要求还是可以满足了,别说我还真饿了,侄女婿财大气粗,一顿饭我就不客气了。”

三人来到飘香楼,走进了陆麒玉专属的房间,本来桃子想吃一碗冰凉的冷面也泡汤了,因为要请小叔吃饭,一碗冷面还拿不出手。

点了几个楼里的招牌菜,桃子还过不去那道坎,心想自己刚刚来到这里的时候,小叔那是慷慨解囊,帮爹爹请大夫,又帮自己付车钱,出言还护着他们,这份感情是无法用言语说出来的,如今小叔有困难,就算爹爹在这里,也肯定会不遗余力的帮忙。

男子上学堂的目的不就是为了功成名就,现在连路费都筹不出来,自己给的又不要,这可怎么办才好。

低头看了看他卷起来的画卷,这若是将来考上了状元,或许还有升值的空间,现在不是有信用抵押贷款的业务吗?他这些画就是一笔财富,凭借他的信用可以在陆麒玉的当铺开办全新的信用贷款,这样路费不就解决了。

把心里的想法一说,陆麒玉是懂得,因为他的当铺就有一些抵押房屋或是产业的抵押贷款,更有甚者就是地下钱庄的高利贷,可是桃子怎么会懂这些,而且还是信用抵押贷款。

桃子详细的解释了一下,自己想到的贷款方式,首先就是要审核借贷人的身份职业是否有良好的信誉;再一个是有上进心有偿还能力;然后就是固定的合法抵押物品。

三条具备就可以实施贷款,然后增加一定分期还贷利息的偿还,年限可以分一年,三年或是五年不等,按照月息计算选择时间,如无偿还能力,抵押物品归当铺所有。

陆麒玉听了,这个方法打破了他原始的借贷方法,他的当铺主打业务就是保存,而少数借贷都是一次性的偿还,如果按照桃子的新规则,那么有魄力又有想法的人脑瓜活跃,当铺的生意不是更加红火。

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