Section 2004 Wu Zuoxi's Plan

In order to start implementing this plan, Li Cong has already begun to plan this matter since the beginning of this year. To develop these people's habit of spending money lavishly, 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 town as an example. After paying tens of millions of silver in taxes every year, they will get about 10 million silver in various expenses. As far as the city is concerned, this amount of funds is less than two taels of silver per person on average, and there are so many officials, they naturally need money to eat, and the money returned is too little , they naturally don't have the habit of being extravagant, but it's different now, you just need to sign a loan agreement, and the interest is not very high, which is between 5% and 10% per year Yes, compared with the 8% to 12% monthly interest rate of usury loans, this kind of interest is simply too low. Of course, the government has to use the next year's tax as a guarantee. If there is no such If you guarantee it, it is absolutely impossible. m

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

Those who start to do this will feel that they have caught up. They see that the city has developed faster than other colleagues because of borrowing, and has made political achievements. This is what officials want most. Someone will help me to say a few words about the achievements of export. Then you can get promoted. It took several years to get promoted to this position, but now it is easy to do it because of borrowing money. They are not fools, and there are many positions at the top. If you don’t pass this year, you will definitely be dismissed by others Come on, next year. It may not be my own, and it will become commonplace when everyone learns about it, so these people have begun to prepare to borrow money from Cao's house, and the amount ranges from hundreds of thousands at the beginning to several million later, and even More. This is something Li Cong hopes to do. The more you borrow, the better, as long as you are not afraid of going bankrupt in the end.

Take a city in the Northern Empire as an example. The chief executive of this city didn’t want to borrow money at the beginning, but the two officials around it have already rectified because of borrowing money, especially the matter of giving gifts to the top. It's better, now they have gone to the provincial capital. In the past, everyone was at the same level and just made a joke, but suddenly he became his superior. Is it so easy for you to make a joke with him? You have to think about this matter for yourself. The chief executive of this city also began to borrow money from Cao's House of Commerce. At the beginning, it was because the repair of the embankment required less than 800,000 silver. This amount is not very large. For a county town It can be taken out, but now that it is the end of the year and their finances have been exhausted, it is impossible to have this money.

So the chief executive started his plan.

Needless to say, the other banks in the city will also do some things with the government in the past, but it is absolutely impossible to strictly stipulate more than 500,000 when the number is small. The bank of Cao's Commercial Bank started working immediately. With their plan, they just need to use the government's city gate tax as a guarantee, and they can immediately hand over the 800,000 taels of silver. Originally, the city owner asked them to borrow it. The meaning of the money, now that they are serving at the door of the house, we have to discuss this matter with them, the city gate tax? This thing is okay, and the money is not very much, and it looks like hundreds of thousands a year. If you use this as a guarantee, you can use this as a guarantee, and it is not such an important source of income.

The chief immediately agreed to this matter, and the city gate tax was taken by Cao's business as a matter of course. Although they did not collect it, these people also knew that the money was collected to repay the Cao's business, and the annual interest was also paid. It’s not very high, only 6%. If you borrow 800,000 taels from them this year plus interest and repay it next year, it’s still less than 900,000 taels. The river embankments in the surrounding counties are not as good as my own. If there is a flood next year, their surroundings will definitely be flooded, but nothing happened here because of the repair of the river embankment. A very good thing, then he will be promoted not far away, he is very happy when he thinks of this matter, it seems that Cao's house has really helped him a lot.

General borrowing is okay, but borrowing with political purposes is very scary. Now it’s just a project for you, and you still have a lot of taxes left. Cao’s Commercial Bank is not interested in this one. You have built the embankment and you have to build the city wall. These all need money, and the money from the court will definitely not be in time. If you wait for the money from the court to come, it will definitely delay things. Therefore, the people from Cao's House Start to create 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, if you repair it after this season, you will find no one. Working in your own field, if you want to invite others to come, you will pay double the treatment. This item alone will cost a lot. The city lord will not plan this matter, and it will cost the court so much money. He will have his own ideas. The city chief will probably be pissed off when he hears this. How come I’m greedy for money? Even if I’m greedy for money, I won’t look so ugly. , When they say good things in their mouths, they will definitely not be so positive. But doing other things will definitely be so exciting, especially this kind of thing, they are the most concerned, the city will be full of storms in a few days, and the city owner is also depressed to death at this time. If they really got the money, they would be fine with whatever they said, but if they didn't get the money, they would be wronged to death.

At this time, many things are not for the chief executive to decide on his own. He has to start repairing the city wall. If it is not repaired normally, the common people will not know what he is doing with the extra money? Where did the money go? But how can I repair the city wall if I don't have money in my hand now? The people from Cao's House came again on time at this time. They came with some plans. Repairing the city wall and repairing the river embankment are completely different things. Repairing the river embankment only requires them to block the flood. There are many more things to do in repairing the city wall than the river embankment. The amount of money spent is much more. A total of several million taels of silver will be needed, right? The plan brought by Cao's Commercial Bank is a loan plan of about 5,000,000 silver.

The chief executive of this city hesitated at this time. This amount is definitely not a small amount. If it is a loan, it will account for one-eighth of the annual income. What should I do if I can't pay this amount? At that time, I have to rely on borrowing to pay back. The interest is not a joke. This time the interest has risen to 8%, which is only a little higher than the last time. But this time there will be a lot more money, and the annual interest is hundreds of thousands. It seems that the loss outweighs the gain in this way. He seems inclined to not want to settle the money, but in the current situation, if he does not borrow money, he will If you can't suppress the rumors of the people, they will continue to spread, which is very bad for you. If the rumors reach the province, what should you do? People in the province are not so easy to talk to. 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 pocketed the money given to them by Cao's firm. What can they say at this time? This still tells the grown-up that this time is not any other time. When it's not time to save money, your reputation is the most important thing. What do they become officials for? You just need to have a good relationship. If the official reputation is not good, how can you continue to move forward? When the superiors above you inspect the target, they must look at the evaluation of the people. If the people evaluate you as a corrupt official If so, how can you get promoted? We have to borrow this money.

These people are not fools, Cao's firm has promised them a long time ago. As long as the chief executive agrees to borrow money, they can get another large sum of money, and it is calculated as a percentage. These people usually only have tens of thousands of taels of silver per year. Now they can get this money at once. Why not do it? ? Use your three-inch tongue to fight for a year's salary for yourself, no matter how you count it, it's a good deal, one by one, buzzing like flies, the chief executive sees the opinions of most people at this time , must be right, so he decided to make a second loan with Cao's House, and the amount was naturally the same as what Cao's House said, so the second loan came like this, 5 million taels of silver, Eight percent annual interest.

When the matter develops to this point, it is no longer possible to ask others to borrow money. The repayment ability of a county is limited. You can't make yourself a fat man all at once, and you can't let people be heavily in debt and close to bankruptcy. If this is the case, it will be troublesome for some surrounding counties that have not yet developed. What we want to set up for them now is to tell them that you are fully capable of repaying the loan, even if you don’t pay it next year. In the future, we will not be so harsh on you to ask him to pay back the money. Everyone has a good face and the matter is not delayed. Soon the chief executive used all the borrowed money on the city wall and river embankment. The plan was going on at the same time, and the adults in the province also knew about these things. He felt that this guy's way of doing things was much better than others.

What the gentlemen who are officials in the province are most afraid of is that the city lords below will make demands on themselves one by one. If we want a little tomorrow, he will ask for a little, and we will end up with no money. Now that people are good people, they can use loans to equip themselves. This is a very good thing. How come the counties and towns around you don’t know how to learn a little, and the gentlemen in the province also immediately dealt with this matter as a model for their own convenience, so that everyone around you The city lords all went to have a look. Learning from others, these people are naturally educated, and they started to go back to discuss the loan with Cao's firm. This seems to be a rule, even the contract is the same, there is no modification at all. The interest rate has not changed, so they signed contracts with them all, and Cao's House of Merchant took over all these cities smoothly.

The saying that a single spark can start a prairie fire is not false at all. At the beginning, it was only one city. After two months, four or five surrounding cities have already entered. Several cities have started, so that the Cao's Commercial Bank throws out a total of nearly 200 million silver a year. Although this amount is quite a lot, those who come back at this time next year will have an extra 10 to 20 million interest, which is also a huge profit. The game of money making money is always the most fun. It needs to be done, just enough money to give you a stupid son, and it doesn't make any sense for you to store the money in the warehouse. And the money is just a number of broadcasts. The government will not take out the money after borrowing the money. It is still in your bank. You just need to teach the money to the people who should give it to you on time. That's it.

Those who cooperate with the government will not spend the money immediately after getting the money. They also need a place to store it. Cao’s House of Commerce will provide him with a one-stop service at this time. You just need to fill in a form with me. Documents, the money will be in your name, and we will open an account for you. If the money exceeds the specified amount, I will not charge you any fees. You must know that in this era, if you want to save money in the wallet, you need to pay money, but now you don’t need to pay a penny, and you can save tens of thousands every year. These big businessmen are not short of this money, but they can save money. It's always good to have some money with you. So the money was changed to another place in my warehouse, and there was just one more receipt on the counter in front of me. I could earn tens of millions more every year. Why didn't I do such a thing? The chief executives also received praise from above. Anyway, repaying the money is a matter of next year, so I have nothing to worry about. The big businessmen also 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 that this bank is good, and the business of other banks will be really affected, but don't worry, other banks If you can't do it, you will see the guys from Cao's House come to discuss the acquisition with them. This is what Li Cong wants. Since you can't do it anymore, why are you still guarding such a site? My bank needs talents in this area very much. I don't lack land and money, but I do lack talents in this area. Many folks in the village are starting to change jobs at this time because their money is not enough. Have not received any business for a long time.

There are also wives and children waiting for him to go back to eat in this family. If it doesn't make money, what is he doing outside? People at home will look down on me after I go back. Many people from Cao’s House will come to talk to them. Of course, it’s all in private. That would be even better, your income is definitely proportional to your contribution, for example, if you make a huge deposit and take out a very secure loan, you can get a lot of money Commission, this amount is definitely much better than the ten taels of silver you used to get every 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 a lot of money, but they are not willing to take advantage of their subordinates. When Cao's House takes out this money, even if it is this time you and your subordinates When they started to raise their salaries, they would also think in their hearts that you could give us so much money in the past, but now you are only giving us so much money under the pressure of others, and there will be some estrangement between them and the boss. Maybe they will stay with you for the time being, but this time the arrival of Cao's House was rejected by them. The next time there is a slight disadvantage, they will go to work in Cao's House. You can see the vacant position here. Let's do it, without these guys, the bank will not be able to operate. In the end, there are only a few banks left that can compete with Cao's House, and the ones that may be competed are not profitable at all, and they will lose money in the early stage of competition. In the later stage, the time to make money has come.

Li Cong knows this better than anyone else. If you don't invest in things like buying and selling, there will be no large-scale returns. He wants so many technical talents to follow him. The money I took out by myself must not be less.

Within half a month of the start of this plan, more than ten of the dozens of banks in the entire city have closed down. They have no way to 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. They range from tens of thousands to hundreds of thousands to millions. However, 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. The friends you have made, to be honest, in the eyes of businessmen, friends are the relationship between using and being used. The kind of people who use their own money to make friends very righteously, unless you have what he needs, otherwise, he Certainly not.

these merchants. The remaining guys are a very important resource, and Cao’s House takes a fancy to this. They are better at retaining these talents than these businessmen, and they snatch them back at a higher price. Many people think that Their own life is hopeless, and somehow they made such a good start. Of course they are happy, and they will work harder in the future, at least harder than in the original place. Most of the guys used to work harder. It's all five taels of silver this month. Now they have doubled it directly, and they never dreamed that there would be such a thing. They are very familiar with some of the lost customers before, not only because of the relationship between the boss, but also because they have worked under the boss for so many years. Customers know everything. It is also very easy to bring these customers back.

It can be seen from a piece of data how correct Li Cong is in doing this. During this process, his bank had only less than two hundred customers before. Although they were all big customers, the number was still a bit small. A bank that has been working for more than ten years is 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 own money from other banks, and then deposited it in the money bank of Cao's Commercial Bank. To their surprise, they did not charge them a storage fee. It is also very easy to withdraw the money, and there are not so many procedures, and it can also be withdrawn 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 it is only 2%, which is less than before. About half of it, if it’s only a few tens of taels of silver or a few hundred taels of silver, the amount can’t be seen, but these big businessmen are always in the millions, and as long as it’s counted for a year, it’s equivalent to doing another business. His brains are very quick, and he immediately saw the benefits. As long as he has liquid funds in his hand, he basically ran to the bank of Cao's Commercial Bank. For safety, for convenience, in short, it is for his own future. .

We can't kill them all. After three months, there will only be one or two large banks in the city. These either have bureaucratic backgrounds as their background, or they are century-old stores. Such Li will never Those who collide with them easily, because they belong to the traditional inherent strength, and I may not get any benefits if I bump into them, so I just keep them and let the market gradually eliminate them, no matter whether it is management or business model They are much better than these people in the world. It is okay for them to imitate themselves, but they have no way to imitate in terms of innovation, because they do not want to innovate, and now the money they earn every month is a fraction of what they used to be. No, they will soon be transferred to other industries, which is also a common problem of these bureaucracies.

The word "small profits but quick turnover" never appears in these people's minds. What they want to earn is huge profits, because besides collecting the money themselves, they also have to give a part of their tribute to the officials above. Part of the contribution represents most of their profits, so they will not do business like Li Cong. At this time, they have launched some civilian-oriented businesses in a timely manner. The common people also have a lot of money. Although one person only has one or two taels of silver and another may only have five taels of silver, as long as there are more people gathered, this is not a small sum. There are about five or six million people in a county. . Nearly 4 million of them are poor people. After finishing the business of those 1 million people, their business can only develop from the 4 million. The money in the hands of these poor people is also very considerable.

Li Cong's approach broke another rule. Qian Xing has always opened the door for the rich, so why would the rich and Qian Xing open the door for you? Ordinary people can't even afford to eat, how can they have money to deposit in the bank. This point of view sounds correct, but one person does not mean that ten people do not have it. As long as one person out of ten has spare money, then 400,000 out of four million people have spare money. small. As long as it is done properly, it can be profitable. Of course, the profit of doing business with these ordinary people is secondary, and word of mouth is the main thing. If a person says that your money is good, it is not good. But if 10 people want to say that, it's really good. The whole county says that you are the best bank in this county.

Li Cong is doing this kind of business. The money earned by the rich is just to earn word of mouth among the poor. If it continues to develop like this, its own money bank will be very good, and other banks will be unable to do things, and the others all 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 also basically understood Li Cong's plan. He had already helped Li Cong formulate a more detailed plan. It's not as good as Wu Zuoxi's.

This plan is very large. It is very meticulous, even with Li Cong's mind, he only got a glimpse of it after two days of looking at it. The plan is really too big. If he does it by himself, he will not know that it will be delayed until the year of the monkey, that is, people like Wu Zuoxi. Only then can he do it. He was the prime minister of the Western Empire, and he was a member of the household department of the Western Empire before. He has studied these things such as people's livelihood very well. In the past, the emperors of the Western Empire basically used this It can be ignored, now that Li Congke has dug out the head of this old guy, he seems to have found his own world, like a fish in the sea, I am afraid that the sea is not wide enough, and he will soon 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 economy. Now there is no way to start with politics. It can only start with what Cao's firm is best at. This is economics. Cao's Commercial Bank's ability to control the economy is already very strong, but it really hasn't mastered all the resources in an industry, such as the banking industry, also known as the financial industry. Wu Zuoxi already understands the meaning of these new terms very well. So, in his report, most of them are some new terms. He feels that these terms are much better than what he originally understood. The development of the banking industry cannot be separated from the support of huge funds. This is a very important aspect.

Therefore, the first point of his plan in Li Conglie is to ask Li Cong to prepare a large amount of cash. The bank must have a large amount of reserves in order to quickly expand its business. If there is no such money, it will only be a run on It can already bankrupt your bank. Now the standard configuration of Cao's Commercial Bank is that in a city, there are three to five banks in the theme city, one in several surrounding counties, and there will be one in the economically developed towns One, Wu Zuoxi thinks that this scale is not enough, at least ten in cities, two in counties, three in individual economically developed areas, and one agent in towns, not necessarily To operate, but you must have your own door.

Li has never considered this issue, but he has not considered it so carefully. He thinks that his current development is already very huge, but after Wu Zuoxi's analysis, he feels that his previous pace is still a bit conservative. 80% of people know 40% of people will deposit money in their own bank because of their own brand. This is what Wu Zuoxi said to Li Tong. Looking at it now, it is very correct. At most, I let 50% of people know about myself. For the remaining 50% of the people, if you ask him about the bank of Cao’s House, he may not even know what it is. These people were ignored in the past, but now we have to pick them up again, turn them into our own customers, and let them promote our bank. This is the first aspect of the economy. To expand your business, you must start with people you are not familiar with, because everyone you are familiar with has already been eaten by yourself.

In this process, Lao Wu used a lot of things that Li Cong gave him before, such as letting old customers bring new customers, and participating in bank activities. Before this kind of thing, Lao Wu never thought that the business could still be like this do it. Of course, in the past, even if he understood that he was a government official, it was impossible to really consider issues from the perspective of a businessman, but now he finds that these methods are really feasible. For example, a Old customers. If you can bring a new customer, this new customer can bring this old customer two taels of silver. Although it is not a lot, for ordinary people, this money is already very much. For a sum of money, regular customers can get a benefit from it, which is not a lot. 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 his loan interest will be yours

New customers go back to develop newer customers. This is like a tree. The trunk develops branches, and the branches develop branches. In fact, these things are nothing in the society that Li Cong has come into contact with before. They are the most normal. marketing means. No one on this planet knows these methods, and he would feel very happy about this kind of thing.

I don't have to do anything, I just need to introduce someone, so that at the end of the month, I just wait at home to collect the money. This kind of behavior also extends to an industry, which is the kind of introducer industry that later generations call. Slowly it developed into a tool, they don’t do anything every day, all they have to do is to develop these new customers, they can get a commission for each new customer, this industry didn’t have much at the beginning 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 things of empty-handed white wolves, but these people earn more than those who use empty-handed white wolves. People who work hard have more money, and when they have money, they will be recognized by the society.

In addition, Wu Zuoxi has actively developed some membership systems. It is necessary for big customers to become members, and these big customers must feel that they are different from others. If ordinary people want to save face, a small amount of money is enough, but If these rich people want to save face, they need to use their brains. For example, when they walk into your bank, several guys will come to greet them immediately. They can't do business with these common people below. Go to the better VIP rooms above, and there will be special personnel to do some business handover for them. Even when you are not free, my people can come to your home to do business with great fanfare. Cao’s House is already a big business now. Many businessmen have cooperated with them and gained a lot of income. It is also very beneficial for you to let people know that you are cooperating with them.

How many people want this face. They obviously have time to go to the bank to do it, but they don't do it. They are all taking advantage of this matter. For example, when these important customers are negotiating with them, they will have good conditions The full-time managers come to talk to them about some capital or loan matters, which will make their partners feel very powerful, which will make their cooperation faster. Of course, these are some people with more brains Cao's House will also fully cooperate with the things you do, and your customers will live well and earn more money, and the money will still be kept with you. There are also some privileges that you can approve loans after you become a member. Others have less than a day or two. In fact, this matter is basically the same, the approval process is the same, and the time it takes is the same.

In fact, the treatment of members and non-members should be differentiated, but in order to distinguish this matter, Cao Jiashang made the processing time of members a little faster, and the time difference for non-members is a little bit slower, which makes the difference between high and low. But people who are not members definitely want to become members, because for businessmen, a lot of things may change in a day. These few days may allow them to come out and make a lot less money, and it may also allow them to make a lot more money. At this time It is not so easy to become a member anymore. It is different from the beginning. At the beginning, you hand in your ID card to 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 with time, and this will also be valuable for members!

Now in some counties and towns, being a member of Cao's Commercial Bank is already a status symbol, because each level of membership has its own rules. For example, the level of membership is divided into three levels. Various privileges are also different. The first level is P level, which is a little better than half of the common people. The amount of funds is 100 taels to 10,000 taels. This is considered a city. The middle class among them can enter the P office when they are handling business on the first floor. They are also very beautiful in front of the common people. Thinking of the eyes of the common people outside, they are very good. Of course, your fixed The deposit must have this amount, and it can be changed once every three months. If your deposit is not so much within three months, your membership will be lost. If it exceeds 10,000 taels, then you are a member of P2 , then you can go to the top to negotiate business, every time there will be an exclusive manager to receive you, which makes those guys on the first floor even more envious, but it's just a matter of form.

P2 is facing people with between 10,000 and 100,000 taels of silver. They can have some looseness in loans. For example, if you have good credit, you can get more loans, but mortgages are still necessary. The collateral must also be reviewed by the bank, which even the most senior members cannot violate. (To be continued. If you like this work, you are welcome to come to Qidian (qn) to vote for recommendations and monthly tickets. Your support is my biggest motivation. Mobile phone users, please go to m.qn to read.) 9