Chapter 219 Picking up sesame seeds (Thank you for your tears)
Now that the winter months have entered, the weather is getting colder and colder.
Lu Shen found Xu Chunjun's big sweater and hung it in a sunny place to dry.
"I'm going out soon," Xu Chunjun said, "turn back and bring in the Doroni cloak."
"I got it, girl." Green Ulva replied happily.
Ever since Aunt Liu was punished, Lvchun has been extremely happy every day.
Just when Zi Ling came in from outside, Xu Chunjun said to her: "Aunt Liu has been punished. If she has any injuries on her body, please ask the doctor to take a look at her. Punishment is punishment, treatment is treatment, there is no delay in both."
"Girl, don't 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 we arrived at Linglong Street by car, the shop was almost ready, and we just needed to hang up the plaque.
The store has basically hired enough people, there are two shopkeepers and three shopkeepers, as well as an accountant, assistants and apprentices.
Yi Pingshun and Xu Chunjun are all responsible for this, ensuring that they are both diligent, smart and kind.
Because Yi Pingshun and his daughter both eat and live here, and there are several waiters staying in the store every day, and the apprentices even eat and live in the shop.
Therefore, Xu Chunjun bought two more old ladies here, who were responsible for washing, cooking, and sewing and mending.
As soon as Xu Chunjun's carriage arrived in front of the door, a sharp-eyed waiter came out to greet him.
Then Yi Pingshun also came out, standing to one side with his hands down, waiting for Xu Chunjun to get off the car.
"It's very cold. Everyone, please go inside and don't freeze here." Xu Chunjun held Lvchun's arm, and Ai followed behind.
"Grandma, look at how this house is decorated. Is there anything that needs to be changed or added?" Yi Pingshun asked after following Xu Chunjun into the house.
"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. 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. We just have to wait until the day before the opening to hang it up." Yi Pingshun said with a smile, "Grandma will still have to work hard to remove the red silk covering the plaque. It will be the ribbon cutting."
"Of course I am willing to do such a good deed," Xu Chunjun said very kindly, "Why haven't you seen Grandma?"
"Cui's mother took her to play," Yi Pingshun said, referring to his daughter who was always filled with affection. "There were magic tricks there, and she insisted on going to see them."
"It would be nice if someone takes her with her. I'm afraid the two old ladies will be too busy, so I'll send someone over to stay with grandma," Xu Chunjun said.
"It's already a lot of trouble for grandma," Yi Pingshun said a little regretfully, "Mother Cui and Mother Fan are very nice people, capable and enthusiastic. It's enough to have them taking care of us."
"I asked people to make two new sets of clothes for Grandma, and I also made a cotton robe for you and the people in the store, shopkeeper Yi." Xu Chunjun said, "The weather is getting colder, so you have to pay more attention to your health."
The clothes were all outside in the car, and Xu Chunjun asked Ah Mi to take the store clerk to get them.
Gu Zhu
"Grandma is so considerate. I'm so lucky to be your subordinate." Yi Pingshun and Xu Chunjun didn't meet many times, but it was clear that she was a kind-hearted, calm and intelligent person.
Such women are rare. He has lived for more than fifty years and has only seen two so far.
"This is what I should do. I came here today to discuss something with you," Xu Chunjun said.
"Then please, grandma, come over to the accounting room. It's so noisy in front that I can't talk." Yi Pingshun bowed and asked Xu Chunjun to come to the accounting room next to her to talk.
"Shop Manager Yi, although our shop is not big, the wages of the people in the store must not be low. It is at least 20% less than the wages of major banks in the capital. Because I want to use first-class people, the wages cannot be too shabby.
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"Grandma, in fact, even if the wages are 40% less than those in the bank, these people are still willing to work. We might as well wait until the business gets better and then add more money."
"It's understandable that Shopkeeper Yi has plans for the shop, but there are exceptions to everything. Our bank is small and we don't employ many people. The wages are enough, and one person can take care of two people. Besides, I don't want to employ too many people.
With less worries, more wages, and enough food and clothing for their families, they can better devote their energy to the bank."
"Grandma is really a good employer. If this is the case, then I will increase the salary."
"There are a few more things. I want to ask shopkeeper Yi for advice."
"Don't take it seriously when asking for advice, just ask grandma."
"I think the average money bank only does three things: exchange money, save money, and lend money. Should we only do these three things?"
"In general, yes. If grandma doesn't mind the trouble, we can also collect the grain and exchange it for money according to the market price."
"I think we can't compete with the big banks. For example, they only pick watermelons, so we'll pick beans and sesame seeds. We can do even the most inconspicuous business, and all we need is the word "Guangzhou"."
"Grandma can have such insight, which shows that she is no ordinary person. The fundamental way for a bank to make money is to make careful calculations and communicate internally and externally.
When customers come to deposit 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 depositing money must be lower than the interest on lending money, so that we can make profits.
Big banks are all about big business, and they only lend money to big shops and big businessmen, not ordinary people. This way they save worry and effort, and are very safe.
In order to win over these customers, the bankers would send gifts to their doorsteps during every year and festival. If they accidentally offended someone, the customer would cut off contact and find someone else.
To put it bluntly, the bank requires customers.
But if we are dealing with small businesses, even though the amount of each business is not large, the sum of the small amount can be very considerable.
But there is another problem, that is, the credit of these ordinary people cannot be guaranteed. When big banks lend money, every money must have a guarantor. How can there be any guarantee for ordinary people to act as guarantors?"
"If there is no guarantee, then there is no need for guarantee." Xu Chunjun smiled, "In the future, when our shop lends money, there are two ways. One is to find a qualified guarantor, and second, if we can't find a suitable guarantor,
Just use things as collateral, such as houses, property, and even jewelry and antiques. As long as the mortgaged items can be realized, we can't pay back."
"Grandma, your method is really wonderful! This is a method borrowed from the pawn shop, wonderful!" Yi Pingshun couldn't help but stood up and walked back and forth while clapping his hands, "This method is the first of its kind.
Got it!"
"It's just that after doing this, things become more trivial." Xu Chunjun sighed slightly, "We have to go through one more procedure and verify whether the mortgage is reliable."
"It's okay if it's trivial. How can you make money so easily in this world?" Yi Pingshun didn't care, "The most important thing is to do it in the right way."
