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In order to start implementing this plan, Li Cong has already started to make arrangements for this matter since the beginning of this year. To develop these people's lavish spending habits, they must have money in their hands. If they don't have 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. m

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’s shameful to be an official. 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 sage books feel that this matter is even more embarrassing. But nothing can be done without money, right?

Someone who started to do this will feel that they have kept up. They see that the city develops faster than other colleagues because of borrowing, and has achieved political achievements. This is what an official wants most. Someone can help me say a few words on the export achievements. Then you can get promoted. It took several years to get promoted to this position. Now it’s easy to do it because of borrowing. They are not fools, and the positions above are all well-known. If you don’t pass this year, you will definitely be promoted by others. Go ahead, next year. Maybe it’s not their own. It became commonplace when everyone learned this. So these people began to prepare, borrowing from the Cao’s family business, the amount of money from the beginning of a few hundred thousand to several million later, even 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 they have already gone to the provincial capital. In the past, everyone just made jokes at the same level. Suddenly they became their superiors. Is it that easy for you to make jokes with others? In this matter, you have to think about it yourself. The chief executive of this city also began to borrow money from Cao’s house. At the beginning, it was because of the repair of the river embankment, which required less than 800,000 silver. 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 something with the government in the past. However, if the number is small, it is absolutely impossible to strictly specify more than 500,000. At this time, the bank of Cao’s Commercial Bank went to work immediately. With their plan, they only needed to use the government’s gate tax as a guarantee. They could immediately hand in the 800,000 taels of silver. Originally, the city owner had asked them to borrow it. The meaning of money, now that people have served their doorstep, we have to discuss this with them in everything, the 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%. I borrowed 800,000 yuan from them this year and the interest will be paid back next year. It’s less than 900,000 taels of silver. Yes, the Chief Executive thinks he has done a very good job. The river embankments of 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 nothing happened here because of the repair of the embankment. 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 might have his own thoughts. The city’s chief is probably going to be mad when he heard this. Why is Lao Tzu greedy for money? Even if he is greedy for money, he won’t be so ugly. These people don’t care about it. , Their mouths are certainly not so positive when they say good things. But doing other things will definitely be so exciting, especially such things, they are the most concerned, a few days, the city is full of storms, and the city lord is also depressed to die at this time. If they really got the silver, they would still be able to say anything, but they didn't get the silver, and they would be wronged.

At this time, many things are not decided by the chief executive himself. He has to start repairing the city wall. If it is not usually done, the people still don't know what he will 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 Commercial Bank came back on time at this time. They came with some plans. Repairing the wall and the embankment are completely different things. Repairing the embankment is only necessary to keep them from flooding. There are more things to do with the wall than the embankment. Of course, this The amount of money spent is much larger. 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, I had to rely on borrowing to repay it again. The interest is not a joke. The interest rate has risen to 8% this time, although it is only a little higher than the previous time. But this time I have to have a lot more money. The interest for a year is hundreds of thousands. It seems that he is not worth the loss. He seems inclined to not want to settle the money, but the current situation, if you don’t borrow money, you will If the rumors of the common people cannot be suppressed, they will continue to circulate, which is very detrimental to oneself. If the rumors reach the province, what should one do? People in the province are not that easy to talk. At that time, it will cost a lot of money just 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 this adult that this time is not another time. When it's not saving money, your reputation is the most important thing. What do they do as officials? 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, the boss above you 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 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 other people. The repayment ability of a county is limited. You can't eat yourself into a fat man all at once, and you can't make people tired of debts and almost 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 about 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 officials in the provinces is that the city lord below will ask them one by one. They will not change the money from you. They are all the money allocated by the imperial government. You 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. This is a very good thing. Why don’t the counties and cities around you learn a little bit? For the sake of your own convenience, the masters of the province immediately dealt with this matter as a typical thing, and let the surrounding counties The lord of the city all went over and took a look. Learning from others, these people naturally learned something, and started to go back to discuss borrowing with Cao's House of Business. This seems to be a rule, even the contract is the same, there is no modification at all. The interest did not change, so they signed all contracts with them, and the smooth Cao's House of Commerce took all these cities.

The saying that a single spark can start a prairie fire is not false. At the beginning, it was just a city. After two months, the surrounding four or five cities have already entered. By the end of the year, ten in the entire province Several cities have started, so that Cao’s family of firms throws 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 have a lot of money to give you a silly son. It doesn't make any sense for you to store the money in the warehouse. And the money is just a digital broadcast. The government will not take the money out after borrowing the money. It is still in your bank. You only need to teach the money to the people on time. That's it.

Those who cooperate with the government won’t spend the money right away. They also need a place to store it. Cao’s house will provide them with one-stop service at this time. You only need to fill in a copy here. According to the receipt, the money can go to your name, and we will help you open an account. If the money exceeds the prescribed amount, I will not charge you any fees. You must know that in this era, you need to pay for depositing money in Qianyu, 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 they can save. It's always good to check 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 a thing? 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 will increase, and the reputation will also increase a lot, especially the big businessmen in this city, they will all recognize this bank is good, 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 guys 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 need 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 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. It’s a commission. This amount is definitely much better than you used to get ten taels a month. Many people are moved. Even some banks that can survive, because of the problem of remuneration, their people have begun to move. 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 before, but now you are giving us so much money under the pressure of others. There will be a gap 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. Let's do it, without these buddies, the bank will not be able to operate. In the end, there are only a few banks that can compete with Cao’s commercial banks, and they may not be profitable at all, and they will lose money in the early stage of the competition. From 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 business, there will be no large-scale returns. He wants so many technical talents to follow him. The money I took out must not be less.

Within half a month of the beginning of this plan, more than ten of the dozens of money banks in the entire city have closed their business. They cannot continue to operate. The first is the loss of customers. In the past, they had several regular customers. Yes, these people have some fixed deposits with them. From tens of thousands to hundreds of thousands, but these businessmen need to pay a lot of storage fees every year. They are also businessmen. It is impossible not to do things that can save their own money in business. As for so many years. Friends you make, to be honest, in the eyes of a businessman, a friend is a relationship that is exploited and exploited. The kind of person who uses his money to make friends very wisely, unless you have a place where he needs it. Otherwise, he I definitely won't do that.

These merchants. The guys who stayed behind are a very important resource. Cao’s firm has taken a fancy to this point. They will retain these talents better than these businessmen. They have a higher price to **** them back. Many people think that Their lives are hopeless, and they have come to such a good start without knowing why. Of course they are happy, and they will work harder in the future, at least harder than where they used to be. It's all five taels of silver this month. Now I directly mentioned it to them twice. They never dreamed that there would be such a thing. Some of the customers who were lost before are very familiar with them, not only the relationship with the boss, but they have also treated these after so many years under the boss. Know your customers. It is also very easy to bring these customers back.

From a piece of data, you can see how right Li Cong did this. In 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. Banks that have been working for more than ten years are simply incomparable. Now the number of customers has more than doubled in just half a year. Many people have heard of such a bank for the first time, but this does not prevent them from 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. It is very easy to raise the money, and there are not so many procedures, and it can be raised in other cities, just pay a small handling fee.

Many merchants have calculated this account. In other banks, if the silver between the two counties needs to be exchanged, at least 5% of the handling fee must be provided, but here is only 2%, which is less than the original time. About half, if it’s only tens of taels of silver or a few hundred taels of silver, this amount is not visible, but these big businessmen are in the hundreds of millions at every turn. As long as one year is counted down, it is equivalent to doing another business. They His mind is very quick, and he immediately saw the benefits. As long as they have liquid funds in their hands, they basically go to the Cao’s bank. For safety, convenience, and in short, it’s all for their own future. .

We can't do everything we can. Three months later, there are only one or two large banks in this city. These are either bureaucratic as their background, or they are century-old stores. Such a Li will never People who collide with them easily in the past, because they belong to the traditional inherent strength, and 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. They want to imitate themselves, but they have no way to simulate in terms of innovation, because they don't want to innovate. Now the money they make every month is only a fraction of their previous 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 filial piety to the officials above. Part of filial piety represents most of their profits, so they won't do business like Li Cong. At this time, they have launched some civilian businesses in a timely manner. The common people also have a lot of money. Although this person only has one or two silver, that person may only have five silver, but as long as there are more gathered, this is also a large sum. There are about five or six million people in a county. . Nearly four million of them are poor. After completing the business of those 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 opened the door for the rich. How could the rich and Qian Yu open the door for you? How can ordinary people have money to deposit in the bank if they can't even eat. This view sounds right, but one person does not mean that ten people don’t. As long as one of ten people has spare money, then 400,000 people out of four million people have spare money. These are all gathered together, and the number is also different. 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 thing. One person says that your money is good, not good. But if 10 people want to say that it is 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 basically understands Li Cong’s plan. He has helped Li Cong formulate a more detailed plan. He is not well-versed in these far-sighted things, but on some details, three Li Congye Not as good as Wu Zuoxi's.

This plan is huge. It’s very meticulous. It took Li Cong’s brain for two days to get a taste of something. This plan is really too big. If you do it yourself, you don’t know how to drag it to the Year of the Monkey, that is, Wu Zuoxi. He was 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 people’s livelihoods and other things. In the past, the Western Empire basically treated this I can ignore it. Now that 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 wide enough, so he will soon Swim 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. There is no way to start from the political perspective. It can only start from the best and best aspects of Cao’s business. This is the economy. The Caojia Commercial Bank’s economic control ability is already very powerful, but it really hasn’t mastered all the resources in an industry. For example, the banking industry is also called the financial industry. Wu Zuoxi already understands the meaning of these new terms. So, 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, three in the more economically developed areas, and 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 thinks 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. Now it is very correct. At most, 50% of people know about themselves. For the remaining 50% of the people, if you ask him the bank of Cao’s Commercial Bank, he may not even know what it is. In the past, these people were neglected. Now we have to start picking them all up again, turning them into their own customers, and letting them promote their banks. This is the first aspect of the economy. To expand your business, you must start with people you don’t know, because familiar people have already been eaten up by yourself.

In this process, Lao Wu used a lot of things Li gave him before, such as letting old customers bring new customers and participate in bank activities. In the past, Lao Wu never thought that the business could be like this. Do it. Of course, in the past, even if he understood that he was also a government official in economics, he could not really consider the problem from the perspective of a businessman, but now he found that these methods are really feasible, for example, a Old customers. Bring a new customer, and this new customer can bring two taels of money to the 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, old customers can get a benefit from it, not much. If you introduce ten customers, if this person can get a mortgage from our store and meets all the requirements of the bank, then 1% of the loan interest will be 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. Marketing tools. No one on this planet knows these 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 behavior also extends to an industry, the 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 most 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 the money. 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.

In fact, the treatment of members and non-members should also be distinguished, but Cao Jiashang has acted to distinguish this matter, so that the time for members to handle it is a little faster, and for those who are not members, the time difference is a little bit. But those who are not members definitely 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 less money, or they can make a lot of money. At this time It’s not that easy to become a member. It’s 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 ~www.readwn.com~ is it a member of Cao’s House of Commercial Bank’s silver building already is a status symbol, because each level of membership has its own regulations, for example, the level of membership is divided into There are three levels, and the various privileges are also different. The first level is P level, which is a little better than half of the ordinary people. The amount of funds is from 100 taels to 10,000 taels. Yes, this is regarded as the middle class in the city. They can all enter the P office when doing business on the first floor. It is also very beautiful in front of the people. They are very good thinking about the eyes of the people outside. Of course, your fixed deposit 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 member of P2, you can go to the top to negotiate business, and there will be an exclusive manager to receive you every time, which makes the guys on the first floor more enviable, but it is a formal problem .

P2 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. If you like this work, you are welcome to come to the starting point (qn) to vote for recommendations and monthly tickets. Your support is my biggest motivation. For mobile phone users, please go to m.qn to read.) 9