spring cloud warm

Chapter 238 Picking up sesame seeds (Thank you everyone!!! Tears)
Now that it has entered the winter month, the weather is getting colder and colder.

Lvshi found Xu Chunjun's big woolen clothes and hung them in a sunny place to dry.

"I'm going out later," Xu Chunjun said, "turn back and bring in that Doroni cape."

"Understood, girl." Lvyu happily replied.

Ever since Aunt Liu got cleaned up, Lvyu has been very happy every day.

Just when Ziling came in from outside, Xu Chunjun said to her: "Aunt Liu has been punished, if she has any injuries, please ask the doctor to show her. Punishment is punishment, treatment is treatment, and neither will be delayed."

"Girl, you don't have to worry about these little things, I know what to do." Zi Ling smiled, "Go and get busy with your big things!"

Before the bank officially opened, Xu Chunjun had to meet Yi Pingshun.

When I came to Linglong Street by car, the shop was almost cleaned up, the only thing left was to put up a plaque.

There are basically enough people in the store, there are two shopkeepers and three shopkeepers, as well as accountants, assistants and apprentices.

It was Yi Pingshun and Xu Chunjun who checked in person to ensure that everyone was diligent, clever and kind.

Because Yi Pingshun's father and daughter lived and boarded here, and there were a few assistants left in the store every day, and the apprentices even lived and boarded in the shop.

So Xu Chunjun bought two old women here, who were in charge of washing, cooking, sewing and mending.

As soon as Xu Chunjun's carriage arrived at the door, a man with sharp eyes greeted him.

Then Yi Pingshun also came out, standing on one side with his hands down, waiting for Xu Chunjun to get off the car.

"It's so cold, everyone go into the house, don't freeze here." Xu Chunjun supported Lvshi's arm, and Ah Mino followed behind.

"Grandma, take a look at how the house is arranged. Is there anything that needs to be changed?" Yi Pingshun followed Xu Chunjun into the house and asked.

"You are an expert, so of course you have the final say on how to decorate it." Xu Chunjun saw that the room was well-decorated, and it was generally the same when she went to other banks in the past, but the details were slightly different.

"The plaque has already been made, and we will only hang it up the day before the opening." Yi Pingshun said with a smile, "At that time, Grandma will have to take off the red silk covering the plaque, and it will be regarded as a ribbon-cutting."

"Of course I'm willing to do such a good thing," Xu Chunjun said kindly, "Why didn't you see Ah Nan?"

"Mother Cui took her to play," Yi Pingshun mentioned that her daughter always had loving eyes, "There are tricks over there, and she insisted on yelling to see them."

"It's good that someone takes her with her. I'm afraid the two old ladies are too busy. I'll send someone over to stay with Ah Nan." Xu Chunjun said.

"It's already troublesome grandma," Yi Pingshun felt a little sorry, "Mama Cui and Mama Fan are very nice people, capable and enthusiastic, and they are enough to take care of them."

"I asked someone to make two sets of new clothes for Ah Nan, and I also made cotton robes for you and the shopkeeper Yi." Xu Chunjun said, "The weather is getting colder and colder, so pay more attention to your body."

The clothes were all on the car outside, Xu Chunjun asked Ah Mao to take the shop assistants to get them.

"Grandma is so thoughtful. It's really a blessing to be your subordinate." Yi Pingshun and Xu Chunjun didn't meet many times, but it can be seen that she is a magnanimous, calm and intelligent person.

Such women are rare, and he has only seen two in his fifties.

"This is what I should do. I have something to discuss with you today." Xu Chunjun said.

"Then, grandma, please move to the accounting room. There's a lot of noise in front, so I can't talk." Yi Pingshun bowed and asked Xu Chunjun to talk to the accounting room next to him.

"Shopkeeper Yi, although our shop is not too big, the wages of these people in the store must not be low. At most, it is [-]% less than the wages of the major banks in the capital. Because I want to use first-class people, the wages should not be too shabby. .”

"Grandma, in fact, even if the wages of those banks are [-]% lower, these people are willing to do it. We might as well wait until the business improves, and then add more money."

"It's understandable for shopkeeper Yi to plan for the shop, but there are exceptions to everything. Our bank is small in scale, and we don't employ many people. The wages are sufficient, and one person can support two people. Besides, I don't want to employ too many people." There are more worries, more wages and more food and clothing for the family, so they can better spend their energy on the bank."

"Grandma is really a good employer who is one in a million. If this is the case, then I will increase the wages."

"There are a few more things. I want to ask Master Yi for advice."

"I don't dare to ask for advice, I just ask Grandma."

"I think that ordinary banks only do three things: exchanging money, saving money, and releasing money. Do we only do these three things?"

"Generally yes, if grandma doesn't mind the trouble, we can also collect grain and silk and exchange it for money according to the market."

"I think we can't compare with the big banks. For example, they only pick watermelons, so we pick beans and sesame seeds. We can do even the most inconspicuous business, all we need is a wide character."

"Grandma's insight shows that she is not an ordinary person. Fundamentally, the money bank's way of making money is to make careful calculations and communicate internally and externally.

When customers come to save money, we pay a certain amount of interest.When customers come to borrow money, we charge a certain amount of interest.Of course, the interest on saving money must be lower than the interest on putting money, so that we can make profits.

The big banks are all doing big business, they only release money to those big shops and big merchants, and they don't accept small people.They do this with peace of mind and effort, and are very secure.

In order to win over these guests, Qianzhuang will come to give gifts every year and festival.If you offend someone by accident, the guest will cut off contact and go find another family.

To put it bluntly, the bank is demanding customers.

But if we are dealing with small transactions, although the amount of each transaction is not large, the accumulation of a small amount is also very considerable.

However, there is still a problem, that is, the reputation of these small people cannot be guaranteed, and when big banks release money, they must have a guarantor for every money.Little common people come to act as guarantors, how can there be any protection? "

"If there is no guarantee, then no guarantee." Xu Chunjun smiled. "In the future, we can release money from the store in two ways. One is to find a qualified guarantor, and second, if no suitable guarantor is found, Just use things as mortgages, houses, land, even jewelry, cultural and entertainment, as long as the mortgaged things can be realized, we will not be able to pay back."

"Grandma, your idea is really clever! This is borrowing the method of the pawn shop, Miaomiaomiao!" Yi Pingshun couldn't help standing up, clapping his hands while walking back and forth, "This method is the first of its kind. Already!"

"It's just that after doing this, the matter becomes more trivial." Xu Chunjun sighed slightly, "We have to go through one more procedure, and we have to check whether the mortgage is reliable or not."

"It's okay to be trivial, how can money be so easy to earn in this world?" Yi Pingshun didn't care, "The most important thing is to find the right way."

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(End of this chapter)