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Since the beginning of this year, Li Cong has already begun to make arrangements for this matter. To develop these people's lavish spending habits, they must have money in their hands. If they have no money in their hands. How could it be possible to spend money? Take a county as an example. After paying tens of millions of silver each year in taxes, they will get about 10 million silver in various funds. For a city with millions of people at every turn For cities, the average amount of money for a person is less than two taels of silver. There are so many officials who are naturally required to take money to eat. The money returned is too small. Naturally, they may not have the habit of being lavish, but now it’s different. As long as you sign a loan agreement, the interest rate is not very high, which is between 5 and 10% every year. Yes, this kind of interest is simply low compared to those 8% to 12% monthly interest rate on usury loans. It can’t be lower. Of course, the government will have to use the next year’s tax as a guarantee, if it does not. If it is guaranteed, it is absolutely impossible.

The chief executive of each city also attaches great importance to the issue of borrowing. At the beginning, they were also very cautious. The amount of borrowing was also earmarked for special purposes. They did not dare to misappropriate it. After all, it was spent tomorrow’s money. Doing things today is still a very new thing for them. The government is different from ordinary commercial organizations. It is very normal for commercial organizations to borrow funds. If the government borrows funds, it is in their face. It would feel shameful.After all, being an official is not the same as a businessman. If an official is allowed to do what a businessman does, they will feel like an official for nothing?Especially some officials who have read the sage books feel that this matter is even more embarrassing, but they can't do anything without the money in their hands, right?

Someone who started to do this will feel that they have kept up. They see that the city develops faster than other colleagues due to borrowing, and has achieved political achievements. This is what an official wants most. Someone can help me say a few words about the export achievements, then I can be promoted. I can only get promoted to this position for several years. Now I can easily do it because of borrowing.They are not fools.The seats above are also counted. If you don't pass this year, you will definitely be passed by others, and next year, it may not be yours either.When everyone has learned this, it becomes commonplace.So these people started to prepare.The amount of borrowing from Cao's Commercial Bank ranges from a few hundred thousand at the beginning to several million or more.This is what Li Cong hopes to do. The more you borrow, the better, as long as you are not afraid of bankruptcy in the end.

Take a city in the Northern Empire as an example. The chief executive of this city did not want to borrow the money at the beginning, but the two officials around it have already taken care of borrowing money, especially giving gifts to it. It’s better. Now people have gone to the provincial capital. In the past, everyone just made jokes or something at the same level. Suddenly they became their superiors. It’s so easy for you to make jokes with others. Thing?In this matter, you have to think about it yourself. The chief executive of this city also started to borrow money from Cao’s house. At the beginning, it needed less than 800,000 silver for repairing the river embankment. This amount is not very large, for a county town. It can be taken out, but now it is the end of the year that their finances have almost been consumed, and it is impossible to have this money.

So the chief executive started his plan. Needless to say, other banks in the city will do some things with the government in the past. However, when the number is small, the strict requirement exceeds 500,000. That is absolutely impossible. Cao’s bank immediately went to work at this time. With their plan, they only needed to use the government’s gate tax as a guarantee, and they could immediately hand in the 800,000 taels of silver. When you come to this city owner, you have the intention to ask them to borrow money. Now everyone has the service to your doorstep, and you have to discuss this matter with them. City gate tax?This thing is okay, the money is not a lot, it is hundreds of thousands a year, use this as a guarantee, just use this as a guarantee, it is not an important source of income.

The chief immediately agreed to this matter. Of course, the city gate tax was in the hands of Cao's firm. Although it was not collected by them, these people also knew that the money was collected to pay back the Cao's firm, and the annual interest was also It’s not very high. It’s only 6%. It’s less than 900,000 taels if borrowing 800,000 yuan from them this year, plus the interest in the next year. The river embankments in the surrounding counties and towns seem to be not as good as their own. If there is a flood next year, their surroundings will definitely be flooded, and because of the repair of the river embankment, nothing happened here. This is A very good thing, then his promotion is not far away, he is very happy thinking about it, it seems that Cao's family firm has really helped him a lot.

General borrowing is possible, but borrowing with political purposes is very scary. Now it is only for one project. You still have a lot of taxes left. Caojia Commercial Bank is not after this one. You have to repair the wall on the side of the river bank. These are all money and the court’s money will definitely not be timely. If you wait for the court’s funding, it will definitely delay things. Therefore, the people from the Cao’s house Begin to make some rumors in the city. For example, the city wall has been in disrepair for a long time. At this time, if you don’t come to repair the city wall after this season, you will find no one. At that time it was busy farming season and people would be there. Working in your own fields, you will pay double the treatment if you ask others to come. The expenses for this item alone will be a lot. The city lord will not plan this matter. It will spend so much money from the court. He would have his own ideas. The city chief was probably mad at hearing this. Why is Lao Tzu greedy for money.Even if they are greedy for money, they won’t be so ugly. These ordinary people don’t care about it. They will certainly not be so positive when they say good things, but they will definitely be so enthusiastic when they do other things, especially this. They are the most concerned about the matter. The city was full of storms in a few days. The city lord was also depressed to die at this time. If he really got the silver, they could say it, but he didn't get the silver.The individual was wronged.

At this time, many things are not decided by the chief executive himself.He has to start repairing the city wall. If he doesn't usually do it, the people still don't know what he would do with the extra money?Where does the money go?But how can I repair the wall if I don't have any money?The people from Cao's House of Business came again on time, and they came with some plans.Repairing the wall and the embankment of the river are completely different things.Repairing the river embankment just wants them to stop the flood.There are much more things to repair the city wall than the river embankment, of course, it costs a lot more money.It probably needs several million taels in total, right?The plan brought by Caojia Commercial Bank is a loan plan of about 5 million silver.

The chief executive of this city hesitated at this time. This amount is definitely not a small amount. If you borrow money, it will account for one-eighth of your annual income. What should you do if you don't have the money?At that time, it was time to repay by borrowing money. This interest is not a joke. This time the interest has risen to 8%. Compared with the last time, although the last time was only a little higher, this time the money It’s a lot more. The interest for a year is hundreds of thousands. It seems a bit outweigh the gains in this calculation. He seems inclined to not want to settle the money, but the current situation, if you don’t borrow money, you will not be able to suppress the people. Rumors will continue to circulate, which is very detrimental to me. If the rumors reach the province, what should I do?The people in the province are not that easy to talk, and it will cost a lot of money to settle this matter.

The Chief Executive found some of his counselors and wanted to hear their opinions. These guys had already carried the money given to them by Cao's firm in their pockets. What could they say at this time?This is still telling the adult that this time is not another time, it is not a time to save money. Your reputation is the most important thing. What is their official position?It’s only if you have a good relationship. If the official voice is not good, how can you continue to move forward? When inspecting the target, your boss should look at the people’s evaluation of them. If the people evaluate you as a corrupt official If so, how can you get up there? We have to borrow this money.

These people are not fools, and the Cao Family Firm has promised them long ago.As long as the chief executive agrees to borrow money, they can get another large sum of money, and it is calculated in terms of percentages. These people usually earn tens of thousands of taels a year. Now they can get the money all at once. Why not do it? ?Use your own three-inch tongue to fight for a year’s salary. How can you count it as yourself? It’s a good deal, one by one, just buzzing like a fly. The Chief Executive sees the opinions of most people at this time. , It must be right, so he decided to make a second loan with Cao’s family firm. The amount is naturally the same as what Cao’s family said. This second loan came, 5 million taels of silver. An annual interest rate of 8%.

When things develop at this point, they can no longer borrow money from others. The repayment ability of a county is limited. You can’t make yourself fat all at once, and you can’t make your family tired of debts and going bankrupt. , If this is the case, the surrounding counties and cities that have not yet been developed will be troublesome. Now we have to set up a model for them, which is to tell them that you are fully capable of repaying the loan, even if it is not repaid next year. We won’t ask you to pay you back so harshly. Everyone’s face is going well and things are not delayed. Soon the chief executive used all the borrowed money on the wall and the river embankment. These two The plan is going on at the same time, and the adults in the province also know these things. He feels that this guy has a much better way of doing things than others. He has a bright mind and can do things. More importantly, he doesn't need his own funds to do things on his own.

The most afraid of the lords in the province is that the city lord below will follow their own requirements one by one. They will not change the money from you. They are all the money allocated by the imperial government. You want it today. He wants a little tomorrow.We will have no money in the end. Now that the family is better, the family can equip themselves by borrowing money. This is a very good thing. The counties around you don’t know how to learn a little bit. The masters also made it easy for themselves, and immediately dealt with this matter as a typical one, and asked the city owners of several surrounding cities to come over to see and learn from others. Naturally, these people also learned something.Started to go back to discuss the loan with Cao's House of Business.This is like a law, even the contract is the same, there is no change in the root, and the interest has not changed, and all contracts are signed with them.The smooth Caojia Commercial Bank took all these cities.

The saying that a single spark can start a prairie fire is true.It was just a city at the beginning.After two months, the surrounding four or five cities have already entered. Near the end of the year, more than a dozen cities in the province have started. In this way, the Cao’s house has thrown out nearly 200 million silver a year. .Although this amount is quite large, if you come back this time next year, there will be an extra 10 to 20 million in interest. The profit is also great. The game of making money is always the most fun, and I don’t have anything. What you need to do is to give you a lot of money to give birth to a stupid son. There is no point in asking you to store the money in the warehouse, and the money is just a number of broadcasts. The government will not take the money if it borrows it. The money is still in your bank, you only need to teach the money to the people who should be given it on time.

Those people who work with the government won’t spend the money right away. They also need a place to store it. Cao’s house will provide one-stop service at this time. You only need to fill in a receipt with me. , The money can go to your name, and we will help you open an account. The money exceeds the prescribed amount. I will not charge you any fees. You must know that in this era, you have to be in the money To save money, you need to pay, but now you don’t need to pay a penny, and you save tens of thousands every year. These big businessmen are not short of this money, but it’s always good to save your own money. So the money was changed to another place in my warehouse, and there was only one more receipt on the front counter, and I could earn tens of millions of dollars each year. Why not do such things?The chief executives have also been praised by the above. Anyway, paying back the money will be next year's business. There is nothing to worry about. The big businessmen do things very well. They also saved tens of thousands of taels of silver, which is very convenient.

In this way, the reputation of Cao's House of Commercial Bank will rise, and the reputation will be much higher, especially the big businessmen in this city, they will all recognize this bank as good, and the business of other banks is really affected, but don't worry, other banks If you can’t do it anymore, you will see the folks from Cao’s firm come to discuss the acquisition with them. That’s what Li Cong wants. Since you can’t go on, what are you doing while guarding such a site?My bank needs talents in this area very much. I don’t lack land and money, but I don’t lack talents in this area. Many people in the village have started to change jobs at this time because of their money. It has been a long time since I received any business.

There are also wives and children in this family who are waiting for them to go back to eat. If this is not making money, what would you mess with outside?After returning home, people in the family will also look down on themselves. Many people from Cao’s house will talk to them, of course, in private. As long as you have good skills, you have the ability, of course, if you have customers in this area. That’s even better. Your income is definitely proportional to what you pay. For example, if you pull a huge deposit and you take out a secured loan, you can get a lot of money. Yes, this amount is definitely much better than you used to get ten taels of silver per month. Many people are moved. Even if some banks can survive, their people have begun to move due to the problem of treatment. For these bosses, the salary increase is not very big, but they don’t want to bargain for their subordinates. When Cao’s family firm likes to take out the money, even if it’s this time you and your subordinates When they start to raise their salary, they will also think in their hearts that you used to give us so much money, but now you give us so much money under the pressure of others, and there will be some gaps between them and the boss. Maybe I will stay with you for the time being, but this time the Cao’s house is rejected by them. The next time there is a slight disadvantage, they will go to work at the Cao’s house. You can watch the vacant place here. Do it.Without these buddies, the bank can no longer operate.In the end, there are only a few banks that can compete with Cao’s commercial banks, and the ones that may be competed are not profitable at all. In the early stage of the competition, they will lose money. After the later stage, the time to make money comes.

For this, Li Cong knows better than anyone else. If you don’t invest in things like buying and selling, there will be no large-scale returns. If you want so many technical talents to follow him, you must not spend less money. Up.

Within half a month of the beginning of this plan, more than ten of the dozens of banks in the city had closed their business, and they could not continue to operate.The first is the loss of customers.In the past, they all had a few fixed customers, and these people had some fixed deposits here, ranging from tens of thousands to hundreds of thousands of millions.but.These merchants need to pay a lot of storage fees every year.They are also businessmen, and it is impossible not to do things that can save their money in business, as for so many years.The friends you make, to be honest, in the eyes of businessmen, friends are the relationship between being exploited and exploited. The kind of people who use their money to make friends very righteously, unless you have a place where he needs it, otherwise, he I definitely won't do that.

These businessmen, the guys who stayed behind are a very important resource. Cao’s family firm has taken a fancy to this point. They will retain these talents better than these businessmen, and they have higher prices to snatch them back. Many People think that their lives are hopeless, and they have a good start without knowing why. They are of course happy, and they will work harder in the future, at least harder than the original place, most of the guys It used to be five taels of silver this month, but now they have doubled it directly. They never dreamed that there would be such a thing. Some of the customers who were lost before are very familiar with them, not just the relationship of the boss. After working under the boss for so many years, they also know these customers well, and it is very easy to bring these customers back.

From a piece of data, you can see how right Li Cong did this. During this process, his bank had only about less than two hundred customers. Although they were all major customers, the number was still a bit small. The money bank roots that have been working for more than ten years are incomparable. Now the number of customers has more than doubled in just six months. Many people have heard of such a bank for the first time, but this does not prevent them directly For cooperation, they all tried to withdraw some of their money from other banks, and then deposit it in the money of Cao’s house. What surprised them was that they really didn’t charge them for storage. If the money is given out, it is very easy, and there are not so many procedures, and it can also be paid out in other cities, just pay a small fee.

Many merchants have calculated this account. In other banks, if the silver between the two county towns needs to be exchanged, at least 5% of the fee will be charged, but here is only 2%, which is half the original amount. From left to right, if it’s only tens of taels of silver or a few hundred taels of silver, the amount is not visible, but these big businessmen are in the millions at every turn. As long as one year is counted down, it is equivalent to doing another business. My mind is very quick, and I immediately saw the benefits. As long as I have liquid funds in my hands, I will go to Cao's commercial bank. It is safe and convenient. In short, it is my own future.

We can't do everything we can. Three months later, there are only one or two large banks in this city. These either have bureaucratic forces as their background, or they are century-old stores. Such a Li will never Those who collide with them easily in the past, because they belong to the inherent strength of the tradition, you may not get any benefits if you meet them, so just keep them and let the market slowly eliminate them, whether it is management or business model. They are much better than these people. It’s okay for them to imitate themselves, but they have no way to simulate in terms of innovation, because they don’t want to innovate. Now they earn a fraction of their previous monthly income. No, they will soon get into other industries. This is also a common problem of these bureaucracies.

The word "small profits but quick turnover" has never appeared in the minds of these people. What they want to make is huge profits, because in addition to collecting the money themselves, they also have to give part of the honor of the officials above.It is this part of filial piety that represents most of their profits, so they will not do business like Li Cong. At this time, some civilian businesses have been launched in a timely manner, and the people have a lot of money, although this person A person who has only one or two silvers may only have five silvers, but as long as there are more people gathered, this is not a small amount. There are about five or six million people in a county, and nearly four million of them are poor. The business of one million people.Their business development can only open the gap from these four million.The accumulation of money in the hands of these poor people is also very impressive.

This practice of Li Cong broke another rule. Qian Yu has always been opened by the rich. How could the rich and Qian Yu open the door for you?Ordinary people can't even eat food, how can they have money to deposit in the bank? This view sounds right.But one person does not mean that ten people do not.As long as one of the ten people has spare money.Then 400,000 people out of the four million people have spare money, and these are all gathered, and the number is not small.As long as you operate it properly, it is profitable. Of course, the profit of doing business with these civilians is secondary, and word of mouth is the main one. One person says that your money is good, not good, but 10 people want to say that. It's really good. The whole county said that you are the best bank in this county.

Li Cong is doing this kind of business. The money made by the rich is just a word of mouth among the poor. In this way, his own money bank will be very good when it develops, and other banks will be unable to do things. The others want to follow suit. You learn, but they all have their own difficulties, so the imitation stopped. In the end, there is only one fate waiting for them and that is the fate of being acquired. After six months of watching, Wu Zuoxi has basically understood Li Cong. He has helped Li Cong formulate a more detailed plan. He is not well-versed in these far-sighted things, but in some details, three Li Congs are not as good as one Wu Zuoxi.

This plan is very large and very detailed. It is only after reading Li Cong’s mind for two days that he can understand some of the fur. It is really too big. If you do it yourself, you don’t know it will be delayed until the year of the monkey. That is, only people like Wu Zuoxi can do it. He used to be the prime minister of the Western Empire, and he was a member of the Household Department of the Western Empire. He was very knowledgeable about these people’s livelihoods. In the past, the Western Empire The emperor basically ignored this talent. Now Li Congke has dug out the old guy’s head. He also seems to have found his own world, like a fish in the sea, fearing that the sea is not enough. Kuan, he soon swam to the end. Fortunately, the sea that Li Cong gave him is very wide. Is it too early for him to swim to the end?

The whole plan can be said to be divided into three parts: politics, military and economics. Now there is no way to start politically. It can only start with the best and best aspects of Cao’s business. This is the economy. The economic control ability of the domestic commercial bank is already very powerful, but it really hasn't mastered all the resources in an industry. For example, the banking industry, also called the financial industry, Wu Zuoxi can already understand the meaning of these new terms. Therefore, most of his reports are new terms. He feels that these terms are much better than those he had originally understood. The development of the banking industry is inseparable from the support of huge funds. This is a very important aspect. .

Therefore, the first point of his plan in Li Conglie is to prepare a large amount of cash for Li Cong. The bank must have a large amount of reserves to quickly expand its business. If there is no such money, it is just a run. You can already bankrupt your bank. Now the standard configuration of Caojia Commercial Bank is that in a city, there are three to five banks in the theme city, one in several surrounding counties, and there are also some in these economically developed towns. One, Wu Zuoxi believes that this scale is not enough. It must be expanded to at least ten in the city, two in the county town, and three in the more economically developed areas. There must be an agency in the township, not necessarily by yourself. To operate, but you must have your own door.

Li has never considered this issue, but did not consider it so carefully. He believes that his current development is already very large, but after Wu Zuoxi's analysis, he feels that his previous steps are still a bit conservative. 80% of people know Only 40% of people come to their bank to deposit money with their own brand. This is what Wu Zuoxi said to Li Tong.This is quite correct now. At most, I let 50% of the people know my brand. If you ask him about the bank of Cao’s business for the remaining 50%, he may not know what it is. At that time, these people were neglected, and now we have to start picking them up again, becoming their own customers, and letting them advertise their own money houses. This is the first aspect of the economy. Expanding business must be done from oneself. Start with familiar people, because familiar people have already been eaten clean by themselves.

In this process, Old Wu used a lot of things Li gave him before.For example, let old customers bring new customers.Participating in bank activities, before this kind of thing, Old Wu Gen never thought that business could still do this, of course.In the past, even if he understood that he was a government official in economics.It is impossible to really consider the problem from the perspective of a businessman.But now he found that these methods are really very feasible, for example, an old customer.Bring a new customer, this new customer can bring two taels of money to this old customer. Although it is not a lot, for the common people, the money is already very much. If this new customer can deposit one here For a sum of money, the old customers can get a benefit from it, not a lot, but the accumulation of less, if you introduce ten customers, if this person can get a mortgage from our store, it meets all the requirements of the bank. Then 1% of his loan interest is yours

New customers go back to develop new customers. It is like a tree. The main branch develops branches, and the branches develop branches. In fact, these things are nothing in the society that Li Cong has contacted before, and they are the most normal. No one on this planet knows about these marketing methods, he will feel very happy about this kind of thing.

You don’t have to do anything, you just need to introduce someone. Then at the end of the month, you’ll just be at home and wait to collect the money. This kind of business also extends to an industry, which is the kind of introducer industry that later generations will call. Slowly it develops into a tool. They do nothing every day. All they have to do is to develop these new customers. They can get a commission for each new customer. There was not much in the industry at the beginning. People recognized?After all, the status of businessmen in this society is not very high. What they do is what businessmen do. No one recognizes the empty glove white wolf, but these people use the empty glove white wolf method to make more money than those. People who work hard have more money, and when they have money, they will be recognized by the society.

There is also Wu Zuoxi actively developing some membership systems. It is necessary for major customers to become members, and it is necessary to make these major customers feel that they are different from others. If ordinary people want face, a small amount of money is enough, but If these wealthy people want face, they need to use their brains. For example, when they walk into your bank, there will be several guys who will greet them immediately. They can’t do business with the people below. They need to Go to the better VIP room above, and someone will do some business handovers for them. Even when you are not free, people here can come to your house to do business with great fanfare. Cao’s house is now a big business. Many businessmen have cooperated with them and have gained a lot of benefits. People know that you are cooperating with them are also very beneficial to you.

How many people want this face? They obviously have time to go to the bank to do it, but they don’t do it like that. They are all taking advantage of this. For example, when these important clients negotiate with themselves, they will have good conditions. A full-time manager comes over to talk to them about funds or loans. This will make their partners feel that they are very powerful. This will make their cooperation faster. Of course, these are some people with more brains. Cao’s Commercial Bank will also fully cooperate in doing things. If your customers live well and make more money, they will still keep this money with them. There are also some privileges that it takes longer to approve loans after you become a member. Others have less than one or two days. In fact, the matter is the same, the approval process is the same, and the time consumed is the same.

The treatment of members and non-members should actually be distinguished, but Cao’s family firm has distinguished this matter, so that the processing time for members is a little faster, and the time difference for people who are not members is a little bit different, which makes the difference between high and low. But those who are not members must want to become members, because for businessmen a day may change a lot of things, these few days may allow them to come out and make a lot of less money, or they can make a lot of money, this time It is not so easy to become a member. It is different from the beginning. At the beginning, you hand in your ID card and prove that you have the ability to become a senior member. Now you have to wait for a month. Just release one or two, this will also grow over time, this member's will also be valuable!

Now in some counties and cities, is it a member of the Cao’s Commercial Bank’s Silver Building that is already a status symbol, because each level of membership has its own regulations, for example, the membership level is divided into three levels, various The privileges are also different. The first level is VIP level, which is a little better than half of the ordinary people. The amount of funds is from 100 taels to 10,000 taels, which are all considered cities. The middle class, they can all enter the VIP office when doing business on the first floor. It is also very beautiful in front of the common people. They are very good thinking about the eyes of the common people outside. Of course, your fixed deposit You must have this amount. Change once every three months. If your deposit is not that much within three months, your membership will be lost. If it exceeds 10,000 taels, then you are a VIP2 member. Then you can go to the top to negotiate business. Every time there will be an exclusive manager to receive you. This makes the guys on the first floor more enviable, but it is a matter of form.

VIP2 faces people in the middle of 10,000 to 100,000 taels of silver. They can have some loose loans. For example, if you have a good reputation, you can get more loans, but mortgage is still a must. The collateral must also be reviewed by the bank, which cannot be violated even by the most senior members.(To be continued...)