Chapter 921 The Savings Rule of Life "Seeking Monthly Tickets"

However, from various aspects at this time, the United States is far from launching a second war against Iraq, and it cannot find a reason to continue to use troops against this poor Middle Eastern country.

The current President Clinton has less than a year left in his term. He has always advocated the development of a new economy and does not agree with the aggressive war against Iraq. Indeed, his economic policies have greatly improved the U.S. economy, becoming the only one since the 1980s. In his golden period of development, this gave him a high prestige. If it were not for the impact of the Zippergate incident, it is estimated that he would have risen a bit in the ranking of US presidents.

Bush, who launched the second US-Iraq War, was still the governor of Texas at this time, dealing with his cows all day long, or nibbling raw corn to show his importance to the farming industry.

Therefore, Sheng You didn't think that the threat of war would come again after more than a year, and he just regarded it as a casual joke from Fan Wubing.

"I heard that you have a large-scale comprehensive supermarket in Hangzhou?" Sheng Wei suddenly asked.

".&, indeed." Fan Wubing nodded and replied, "At first, we took over a lot of land and it was difficult to do other things, so we built a large number of chain supermarkets, including specialized electrical appliance supermarkets and comprehensive supermarkets. The main ones are It is built according to the actual needs of the local area.”

Probably women like to go to supermarkets, especially since Weiwei heard that this supermarket in Hangzhou is very large and you can buy basically anything there, so he thought about it and wanted to go and have a look.

"Okay, I'll call them and ask them to arrange for someone to pick us up." Yu Wubing immediately called the headquarters and asked Hangzhou to arrange the matter.

Within twenty minutes, the manager of the supermarket here in Hangzhou drove over to pick up Fan Wubing and the others.

In fact, it is only a ten-minute journey from the supermarket to West Lake. When Sheng Wei was taken to the supermarket, he realized that the scale of this supermarket was indeed very large. It should be said that it was almost a large shopping mall. There are probably hundreds of boutiques on the three floors, and the interior is huge. There are more than a dozen floors in total. The area of ​​each floor is as big as four football fields, and the content inside is also very large. Colorful.

Basically, except for things that are not allowed to be sold, all things can be found here, and the shopping guide function provided in the supermarket is also very powerful. It is completely computerized management and allows you to go to the computer terminal at any entrance. Find out the specific location of the items you need, such as which floor, which district, who the shopping guide is, and other information.

After reading it, Sheng Che couldn't help but sigh, "The convenience brought to people by Jindai Technology is indeed beyond our imagination before."

"In fact, online shopping malls will become very popular in the future. Recently, the major chain companies under Fanshi Investment Group are working hard in this regard, striving for convenient payment channels and beginning to gradually get involved in the field of online shopping. Some achievements have been made in this regard." Fan Wubing said to Sheng Wei while he and Sheng Xiu were walking with the store manager.

In fact, it is not very troublesome to transform a supermarket into an online city. The only thing worth considering is whether the payment and logistics channels are smooth. Therefore, the current attempts are only pilot projects in some large and medium-sized cities, and we will wait until the opportunity matures. After that, it will be rolled out to cities across the country.

"When can we go overseas?" Sheng Hui asked.

"It has already gone overseas -" Fan Wubing replied with a smile. "In fact, overseas sales have already started. Overseas sales channels are more convenient and profitable."

Under the guidance of the store manager, the two

Entering the supermarket, it was indeed crowded and overcrowded. It was obvious that not only the locals came here, but also the number of tourists.

As a large tourist city, there is a large floating population and a large number of people who pay the second-year fee.

Sheng Wei was very interested in the clothing area and jewelry area, but Fan Wubing was concerned about another problem. Although the children's toy area was rich in variety, it seemed a bit crowded. Some children got the toys and were eager to unpack them, but they Due to the supermarket's management regulations, I had to leave before doing this, which also caused many parents to complain.

After Fan Wubing saw this situation, he said to the store manager, "This problem needs to be solved.

"It's hard to solve!" the store manager replied, scratching his head. "Once you let go, everything will be in chaos.

"You can think about it this way, free up a separate floor and open up a children's play area." Fan Wubing thought for a while and then replied, "Parents can spend a small amount of money, or use shopping receipts to put their children of appropriate age in the People can play inside and have dedicated personnel manage it to ensure safety. Parents can continue shopping during this period. In this way, adults will not be able to enjoy shopping because of their children. "

"That requires a lot of investment! It's only $$. In fact, it's not expensive. It just wastes an entire floor and the price is too high." The store manager replied a little distressed.

"Investment will always pay off -" Fan Wubing replied with a smile, "I am reminded of an example. Indonesian President Habibie told me something."

Habibie once told Fan Wubing a story about his friend. This friend’s name is Durham. He has served as the president of a large bank in his thirties. Compared with senior financiers and bankers in their sixties or seventies, he is a genuine junior. Although the bank he is in charge of is well-known in the city, his superficial resume is still ridiculed by financial giants and bank leaders, who think that it is an international joke for him to helm the flagship of the banking industry.

Sure enough, Durham made a ridiculous and generous decision when he took office. He asked his subordinates to list all newborns within 20 kilometers of the bank on a list.

The employees were baffled by his move, but complied anyway.

Three days later, all the newborns on the list received a letter from the bank, congratulating them on coming to this wonderful world and this beautiful new area at such a lucky moment.

From then on, at the right time every year, these children would receive letters from Dharam Bank reminding them that their birthdays were approaching. When they are old enough to read stories, the bank in Durham will send them a storybook that tells the story of the benefits of saving. If it was a little girl, she would receive a Barbie doll as a birthday present with the full name of Durham Bank printed on the back. If it's a little boy, he receives a baseball bat with the bank's name on it too.

Over the past few years, this expenditure alone has been quite substantial, but the benefits have not been obvious.

Durham also renovated the most important floor of the bank office building into a children's playroom. There are carousels, slides, seesaws, bumper cars, sand piles, and a capable administrator to guide the children to have fun.

Durham has made banks the most popular place for children. Many young mothers travel far and wide to save money in banks in Durham. Some mothers even leave their children here after finishing business and go shopping or visiting friends in peace. .

Durham's approach began to show some benefits, but compared with the initial investment, the benefits were not large. Some people began to question Durham's ability, feeling that a president who would only attract housewives would not accomplish much.

However, during Indonesia's difficult economic period, a large number of industrial and commercial enterprises went bankrupt, banks struggled to operate, and some large banks declared bankruptcy. Durham's banks were able to survive by absorbing a large number of household deposits. Only then did people discover that personal savings turned out to be a huge gold mine! After the difficult economic period, Durham's bank's good reputation brought huge returns to customers, and Durham once rose to fame.

Thirty years later, a financial crisis sweeping across Asia once again pushed the banking industry to the brink.

Durham, who is over sixty years old, has once again been favored by God. Many of the children who played in his bank have become famous entrepreneurs and social elites, and have always maintained good cooperation with Durham. They poured capital into Durham's bank, saving it from danger again. They said that they were just saving their childhood dreams. Duram's bank held their golden childhood dreams, and they began to understand financial management from Duram's storybooks.

Durham's savings finally got a handsome return.

"Dharam's approach is indeed prescient, and more importantly, we have a new rational understanding of the principle of savings." First, the principle of reciprocity in savings. Most people think that banks save money for others, but Dallam does the opposite. After thinking about it, I believe that banks should also save, that is, save people's trust and emotion in the bank. Both parties save each other, forming a mutually dependent and reciprocal good cooperative relationship; the second is the accumulation principle of savings, that is, the bank's income is based on the benefits of depositors. Improve and develop, so investment in the future is also the essential pursuit of survival and development; the risk reduction principle of three-step savings, that is, savings often occur with changes in domestic and international policies, social and economic turmoil, and financial storms. Banks should consider risks in the long term, measure risks, avoid risks and resolve risks,” Fan Wubing explained to the two people, “For those of us who do business, this principle is also applicable, or can be used for reference. "

"Nong Yiyi" The store manager listened very carefully. Being able to listen to the big boss' instructions will be of great benefit.

As for Sheng Wei, he is also carefully recording everything Bai Wubing said, and plans to publish it as part of the interview, which can attract more people to think.

“Generally speaking, business management and bank savings seem to be two unrelated fields, but if you think about it more deeply, you will find that there are many similarities. They are all completed through intermediary creation, service methods and core value creation. Special functions given by society. Like Durham, we executives also need to predict risks, avoid risks and resolve risks as the situation changes, "Fan Wubing said, "Of the above three principles, people are easy to understand. We understand, but our understanding of the principle of risk reduction in savings is relatively vague. Although our management goal is to maximize benefits, predicting, avoiding and resolving risks are the key elements to ensure that we can develop smoothly, even to some extent. Generally speaking, business management should pay more attention to the functions of predicting, avoiding and resolving risks.”

It can be said that learning to deal with business crises, turning risks into benefits, and turning challenges into opportunities is the special wisdom of modern corporate executives who learn to use savings management to resolve risks. Because it is unlikely that everything will go smoothly for everyone at work, but it is very likely that risks and crises will appear from time to time. Especially for some senior executives who are caught up in a pile of affairs, the management of the company is most prone to serious risk behaviors, such as serious Credibility crises and conflicts, sudden capital turnover difficulties, potential or major disputes in dealings with other industries in society, etc. These crises will inevitably cause the energy of senior executives to be distracted. If they are not adjusted in time and treated correctly, Small aspects affect the current business, while large aspects affect the future development of the enterprise.

Therefore, Fan Wubing’s expectation for them is to always be prepared to respond to crises, always have opportunities to resolve crises, constantly eliminate potential threats that affect the development of the school, and look forward with savings like the Indonesian bank president Daram. Through hard work, risks were finally resolved and success was achieved.

"Being with you is really a wealth of knowledge." Sheng Hui said with some emotion.

"The boss is a genius, unparalleled in the world," the store manager said flatteringly.

Fan Wubing smiled and waved his hands and said, "It's not that exaggerated. It's just that if you see more things, you will naturally gain more insights. You can do it too, so my advice to you is, you must have more Reading is beneficial.”

However, when he said this, the store manager had to comprehensively consider how to deal with this matter, but such a big matter had to be decided by the Hangzhou branch, so the store manager asked Fan Wubing to write a note or something, and This matter has been decided.

Fan Wubing happened to be in a good mood, so he called the person in charge of the Hangzhou branch directly and expressed his attitude, asking them to implement this matter as soon as possible and conduct a pilot project in Hangzhou to see the effect. how.

"If things are done well, it can be promoted nationwide. Our company must be different from others. This is very important." Fan Wubing told them.

Sheng Wei wandered around the women's clothing area and bought a few sets of clothes for herself and her sister. When Fan Wubing planned to pay for her, Sheng Wei refused, "My salary has increased a lot recently. This It’s all thanks to you, how can I let you spend any more money? Besides, I have to arrange this lunch for you.”

"Well, in that case, that's okay." Fan Wubing nodded and agreed.