When he returned to his residence, Agatha had already returned.

Wang Qinian asked her about her situation at the teacher, and it sounded good.

"Teacher Sesiliya likes me very much, and there are several senior sisters who treat me very well." Although Agatha tried her best to restrain herself, her eyes could not help but feel excited.

Wang Qinian smiled and listened to Agatha's remarks. He was not surprised that Agatha was appreciated by the teacher. Although this little girl herself was a little unpredictable, she was quite smart.

The little girl suddenly walked over, stretched out her hands, hugged Wang Qinian's waist, and buried her head in his chest.

"Will I become a magician as good as a teacher?"

Agatha hugged her tightly, and Wang Qinian couldn't push it away at once, so she had to let her hug her.

"Of course, but not to become a magician like me, but a great wizard like your current teacher Sescilia." Wang Qinian encouraged. Although he had confidence in himself, he could not use her as a role model for Agatha now.

The tender skin rubbed Wang Qinian's robe. Agatha raised her head and opened her bright eyes widened and looked at Wang Qinian and said, "Teacher Sesiliya is very good, but I still like you more. If it weren't for you last time, I would have died."

Wang Qinian was slightly moved. He did not think deeply about the word "Little Loli" in his mouth. He only thought that what Agatha wanted to express was that although Sescilia was powerful, she had been with Agatha for a longer time and had saved her once.

Little Loli is not a person who forgets her roots. Wang Qinian felt a little moved and thought that the opportunity was rare. She just happened to try to talk about the things in the mine that day in front of her.

He reached out and touched Agatha's head, and after considering it, he coughed dryly, "I had some kind of transformation in the mine last time."

"Well, I remember." Little Loli's expression remained unchanged, as if she had no doubts about it at all. "No matter what kind of blood the teacher has, I only know that you saved me at that time. So, I didn't say anything to anyone."

Wang Qinian immediately felt relieved. If this was the case, the three people present at that time, Beron Gallia fainted and did not know. Agatha concealed it for him, and Catherine was already intimate with him, so she didn't have to worry about the trouble caused by leaking it.

"Tomorrow I will go to Teacher Sesiliya's magic tower again. Maybe I will have to go back here every four to five days in the future." Agatha buried her head again on Wang Qinian, rubbing like a kitten, making a dreamlike sound.

Wang Qinian smiled and said, "If this continues, it seems that I have to work hard, otherwise I will be caught up with you one day."

"Oh, by the way, one of my senior sisters Luna wants to see you." Agatha said embarrassedly.

"See me?" Wang Qinian was a little confused. Why did Sesiliya's disciple want to see him?

Little Loli showed a cunning look and said, "Because I accidentally told them that the magic shadow animations of Solomon Company were shot by you. Senior Sister Luna is the vice president of the Drama Club of the Magic Academy, and she is very interested in this."

"We have started the storage business as you told me." Worsley said.

This is Wang Qienian's second inspection of the Saint Continent branch. The City of Freedom has met all the requests he made last time, including the initial dispatch of a group of people and some mitril coins.

Where they are currently at, a metal fence counter has been built like Franklin's headquarters, and several bank staff who have been transferred are busy behind the fence.

"But it will take some time to let the citizens know and know. In the short term, I may not be able to absorb a large amount of reserves like the head office in Liberty City." Worsley said with some concern, which means that for a considerable period of time, the funds of the Saint-Continent branch need the support of the head office to lend them out, and there is no virtuous circle.

Wang Qinian nodded. He understood Worthley's concern. Since the St. Cortina branch in the early stage mainly transferred funds for merchants going to Free City, and there was not enough manpower, it did not attract high-profile deposits. A considerable number of citizens did not know that depositing money in St. Cortina could get interest.

"It doesn't matter. Since the head office has handed over the branch of St. Cortten City to me, it will fully support me. You only need to follow my instructions and if something goes wrong, I will explain to the City of Liberty." However, as Wang Qinian said, the City of Liberty will definitely fully support it. This is not only because of Wang Qinian, but also the need for Franklin Bank to develop.

Although Franklin himself probably never thought about how much the bank should be developed, if Agatha develops well in St. Continent City, it will definitely be a help to Agatha. For this alone, the City of Freedom will try to support Wang Qinian. Twenty percent of the rights will be given to him, and it is very obvious that the full host of the St. Continent City branch is hosted.

In addition, there is another point that the City of Liberty is a mitr silver coin system implemented. Asturias coins are used as auxiliary coins, mainly used in the daily circulation and small transactions of citizens. However, after the currency is exchanged, Franklin Bank must have a large amount of Asturias currency in its hands. The biggest use of these currencies is to be used by the City of Liberty to purchase necessary goods such as grains. Although the City of Liberty is well developed, the agriculture is poor. It is necessary to purchase a large amount of grain to ensure the supply and stability of the grain prices in the city. The Asturias currency, which is accumulated in the city lord's mansion, is just used to lend in San Continent to avoid affecting the Misin standard in the City of Liberty.

"As for the competitors you mentioned last time, they have begun to appear," Wang Qinian's face was a little serious. "Then we have to speed up our pace, and sometimes we need to take the initiative. In terms of savings, try to let more people know that there is interest in depositing money in the Saint-Kanten branch. Well, you can build a sign with interest rates ranging from half a year to three years. You can see it as soon as you enter the door. There are also merchants who can use our relationships to visit them from time to time, so that they can not only store funds when they need to do business with Freedom City, but also store funds here, which can increase the capital we can borrow from abroad."

"We can also try to get to know more merchants through them so that even those who do not have direct trade with the City of Freedom will know the existence of our Saint Quentin branch. Now it is time to be more high-profile. In addition, you can rest assured that since I came to Saint Quentin, I will try my best to use the opportunity to promote the existence and benefits of our branch."

Worsley said excitedly: "This is not difficult to do. In fact, they have always planned to deposit some of their idle funds to us. After all, there is interest."

Wang Qinian walked on the ground of the branch two steps. Of course, he was not very satisfied with this branch. Not to mention the personnel, the environment was far inferior to the head office, but there was no way to do this, so I could only do it for the time being. After all, the role of the branch before was actually to play the function of the "headquarters office in Saint-Kanten Office" and did not truly realize the function of the bank.

Swally suddenly held his hands and wrapped them around his chest, and followed Wang Qinian to see inside and out.

"You print a batch of business cards for me..."

"Business card?" Swally listened to the new term in a daze.

Wang Qinian took a picture of his head and pointed to the bill paper that the bank staff is using. "It is OK to make this paper, make some small cards, but it should be thicker. Find someone who writes beautifully and write my name on it, the branch of the St. Cortten City and the address. Well, you can add your name to my name and to those potential customers, whether they want to save money or borrow money."

"I understand." Swalley understood that this was also a small means of publicity, and couldn't help but smile.

Wang Qinian continued to think, and he tapped the counter with his finger and said, "The only way to absorb the deposit is to be like this for the time being. After all, I have only come to Saint Continent City, and you have been very low-key as the head office order before. But when the payment is given, you must be both proactive and cautious. This is not like the city of Liberty. In the city of Liberty, people in this city borrow money from the head office, but no one dares not to repay it. Even foreign merchants dare not to repay it, unless they do not want to do business in the city of Liberty in the future. But this is different, foreign loans must also be cautious. We can ask the head office to provide financial support, but the premise is that we can make profits. If the borrowed money cannot be collected back a lot, we cannot explain to the head office."

Swally became nervous and rubbed each other with his hands. What Wang Qinian said was exactly what he was most worried about now. Before, it was just an office function, which mainly helped merchants who had been in contact with the City of Freedom. The biggest trouble was to check the funds transactions with the head office, but now it was necessary to borrow from foreign countries, which may bring achievements, but it may also be as Wang Qinian said that there were large-scale bad debts.

"So we must be cautious, have a mortgage, and select the customer scope in a targeted manner. Anyone who does not have enough mortgage must have my consent before the loan can be made." Wang Qinian emphasized that he will come to the branch every week to check the relevant accounts. With his and the head office's double verification, I believe that internal risks will be reduced accordingly, and external risks are the key to control.

"Yes, yes," Swalley nodded, "I think those merchants who have dealing with Liberty City are customers that can be relied on. If they have a loan need, we should borrow them."

"Yes, they are our first potential loan targets. In addition to them, I think the merchants on the exchange are facing a lot of money transactions and are likely to have loan needs. What I just said is that you can find opportunities to talk to them, including what I just said about returning to old customers, and don't let go of the opportunity to attract deposits or lend. As for ordinary citizens, they have limited repayment ability. Of course, they are welcome to save money, but if they want to have a large amount of loans, they may not be able to get enough mortgages." Wang Qinian analyzed that he focused on breaking through to merchants.

"Mr. Solomon, the nobles in the city are also very good customers," Swally suggested, "but I have a hard time entering their circle."

"Noble, well, right." Wang Qinian agreed that the nobles were the largest circle of lending, and they could become customers, including the royal family. The decaying nobles needed money to maintain their superficial vanity, and the prosperous families sometimes helped merchants or goldsmiths to short-term turnover because their luxury lives were often beyond ordinary people. There is also war. When the war broke out and continued for a long time, it might also make a certain noble and his family feel very embarrassed, so they had to borrow money from goldsmiths or merchants who specialized in lending.

However, the risk of borrowing from aristocrats is much greater than that of ordinary merchants. For example, the loan announced by Wang Qinian just now must be mortgaged, which may not work for the nobles. The devastated nobles may swallow their anger and mortgage their valuable jewelry or real estate for money, but the nobles who still hold power may ignore this. The city of Freedom is very weak in Saint Kontana and it is difficult to fight against powerful nobles. This is an era when even the king may be lying to pay.

Therefore, when Franklin Bank set up a branch, it only performed incomplete functions, unlike real banks.

"Don't take the initiative to borrow money first. If any noble comes to ask for a loan, let me deal with it." Wang Qinian felt a little headache. Maybe he really needs to find a backer in Saint Quentin. Although Viscount Philip can help and is willing to help, he is not worth enough. Even if he will be promoted to Earl soon, he still can't stop the field.

The three wealthy families are strong, but they are definitely not good partners. They either will not look down on small shrimps like themselves, or they may take the opportunity to swallow them up.

Marquis Rekinner is the most suitable person he knows. It seems that at that salon party, he must let him further appreciate his value.

"From now on, you can control risks." Before finding a political backer that can be used, you can only take the initiative to borrow from the nobles. For merchants, Wang Qinian tried his best to prevent and control them from means.

Seeing Swally confused, he patted his head and explained the "new noun" he invented: "It is to ask one of your staff to be your assistant, responsible for making files for each loan client, recording their loan records and repayment time, and urge them. When each new loan is generated, he has the responsibility to remind you whether the client has had a record of not returning the loan or delaying the repayment. In short, every time I come in the future, I will ask for relevant records, and the return records must match your books."

Swally may not understand the meaning of this, but Wang Qinian insisted on doing so. This is a tracking of customers. The bank's account books only record borrowing and loans, but it does not clearly classify them in the customer's name, and specify in detail whether there has been a ** record or a record of delayed return.

This is just the simplest. When the City of Freedom supports some people to come, Wang Qinian will teach them to analyze these records. Not only do they need to find out the excellent customers, but also find out the excellent customer groups from them. Which type of people need loans and repay well at the same time. When the savings are successfully absorbed and the customer groups begin to involve all levels of San Continent, this analysis will be very meaningful over time and is also one of the killer weapons to compete with others.

After arranging the next business of the Saint Continent Branch, Wang Qinian was about to leave.

This time, the head office of Liberty City supports the development of the Saint-Kontan branch. In addition to mobilizing a group of experienced staff to enrich themselves, it also has financial support. However, it is mainly based on Asturias' gold coins. The gold coins are the auxiliary coins in the Free City, which implements the Misin standard, but they can be used in large quantities without restrictions on the Saint-Kontan side.

The Saint-Kontan branch is going to develop. Although the Mithril coins are "hard currency" and they will definitely not be refused use in Saint-Kontan, the current coin production is still difficult to maintain the use of the City of Freedom itself. The Asturian gold coins that were forced to be exchanged in the City of Freedom were used to reverse the transfer to Saint-Kontan.

With these support, Wang Qinian has more confidence.

However, in addition to these support, Swally unexpectedly handed over something to Wang Qinian, which also came from the City of Freedom.

When Wang Qinian saw the handwriting, his heart blew slightly. The letter was written to him by Catherine.

He opened the letter, and Catherine told him happily that Solomon Company had already started filming according to the script he left behind, "The Merchant of the City of Freedom". Since this magic shadow animation is not as bizarre as the previous film, it is a scene drama that attracts the audience with the plot and the humanities in it and resonates with it, so the cost is low and the shooting cycle will be shorter than the previous films, and it is expected to be finished in at most one month.

Mr. Obill, who is in charge of daily affairs in Liberty City, has decided to release it at the same time in Liberty City and Saint-Continent. Only Tugenhagen has had a significant impact due to the previous war. Solomon's business dealings in Modo have come to a standstill, and it takes time to reopen all the links and restore the original business.

Catherine told Wang Qi Nian that Mr. Obier had agreed with Mr. Hayden in St. Continent that when the film was released simultaneously in St. Continent, Catherine, as one of the starring actors, will come to St. Continent to promote.

At the end, there was no signature from Catherine at the end of the letter, but there was a bright red lips. This romantic way made Wang Qinian feel in his heart, and he couldn't help but think of the powerful snow-white body when it twisted under him.

He quickly received the letter, took away what he should have taken, ended his second inspection of the St. Continent branch, and left here. PS: I had something to do in the evening, so I sent it in advance at noon.
Chapter completed!