"Sir, you are too kind and don't consider the sinister nature of people's hearts when doing things."
Princess Ninth said: "If you waive all handling fees, it will definitely cause a shock in the industry. If other banks send people to cause trouble, and they deposit and withdraw money all day long, how are you going to deal with it, sir?"
"this……"
Jin Feng was asked.
This is indeed a problem.
He will still be affected by inertial thinking.
Many of his thoughts are still in the society before time travel. At that time, the Internet had been fully popularized, the cost of depositing and withdrawing money was very low, and all banks did not charge fees for deposits and withdrawals at the bank. He was already used to it.
However, Dakang does not have computers or the Internet, so all operations of the bank must be completed manually.
Labor costs are higher than in previous generations by an unknown amount.
Shopping malls are also battlefields. In order to defeat their opponents, many businessmen will do anything they can.
The situation mentioned by Princess Ninth has a high probability of happening.
Anyway, there are no handling fees for deposits and withdrawals, so just send someone to cause trouble.
Just finding a dozen people to take turns queuing up can bring the Jinfeng bank branch to a standstill.
"What Your Highness said makes sense. This is indeed a big hidden danger. It's because I didn't think carefully."
Jin Feng thought for a moment and said: "Then how much handling fee does Your Highness think is appropriate?"
"I suggest that your husband's handling fee should ensure that the bank does not lose money, so as not to leave fatal loopholes for others."
Ninth Princess put down her chopsticks and said seriously: "Of course, I don't know much about the bank. I still need you to make your own decision on how to do it."
"Your Highness is right."
Jin Feng picked up the tea bowl and raised it to the Ninth Princess to express his gratitude.
The Ninth Princess picked up the tea bowl and took a sip.
Jin Feng also took a sip of tea and carefully considered the Ninth Princess's suggestion.
The handling fees of other banks in Dakang are extremely expensive. In fact, Jinfeng charges half the handling fee or it is completely free, and the effect is the same.
If you want to save money, you will still be charged half the handling fee.
If you don’t want to come, even if it’s completely free, you still won’t come.
After thinking about this, Jin Feng decided to postpone the bank's affairs for a few days and first investigate the prices and labor in Xichuan before making a decision.
The Ninth Princess seemed to be in a good mood. She chatted with Jin Feng for a long time that day, and then she followed Qing Mulan back home until it was completely dark.
When I left, I still felt a little unfinished.
She had been bound by various strict dogmas in the palace since she was a child, and she was simply obsessed with this free-wheeling atmosphere.
Only here can she put down her guard and speak freely.
Jin Feng also learned a lot about the official situation of Dakang from the conversation with the Ninth Princess, and he benefited a lot.
Back in the room, Runniang was making the bed.
While busy working, I secretly looked at Jin Feng.
Before coming, Guan Xiaorou had warned her overtly and covertly to let her and Jin Feng sleep in the same room to prevent Jin Feng from causing trouble in Xichuan City.
In Guan Xiaorou's eyes, Tang Dongdong and Runniang were Jin Feng's people from the day they entered the house, and it was only a matter of time before they had sex.
She didn't mind Jin Feng taking in Runniang, but she didn't want Jin Feng to go to a brothel and provoke messy girls.
In fact, Runniang herself had the same idea.
But after all, she is a young lady, as traditional as Guan Xiaorou, and has no status or status, so she is really embarrassed to take the initiative to speak.
He could only make the bed silently and wait for Jin Feng to speak.
As long as Jin Feng opens his mouth, she can stay.
Unfortunately, Jin Feng only said hello to her when he entered the room, and then sat at the table writing and drawing without any intention of keeping her around.
Runniang sighed inwardly, packed the bed, and left silently.
Jin Feng looked at Runniang's back with complex expressions in his eyes.
He is not really stupid, how could he not understand what Guan Xiaorou and Runniang mean?
Runniang actually looks pretty good, but she was dark, thin and looked dry before.
After joining Jin Feng, I no longer have to work in the fields, and now my hair is fair and fair, my hair has become thicker and black, and my face has become more delicate.
Moreover, Runniang's temperament is softer than Guan Xiaorou's, and she will do whatever she is told. It would be a lie to say that Jin Feng has not been moved.
But every time I just think about it, and when the opportunity does come, I get scared again.
After writing down the contents to be investigated tomorrow, Jin Feng turned off the lights and went to bed.
I don't know whether it was because of the new environment or because he was confused, but Jin Feng kept dreaming that night.
When I woke up the next day, I still felt a little listless.
"Sir, I think you don't look well. Why don't you go out today and let Run Niang take care of you?"
One of the guards noticed that Jin Feng's face looked wrong and said worriedly.
"No, I'll just wash my face with cold water." Jin Feng waved his hand.
The bodyguard was about to persuade Jin Feng again when he saw Da Liu approaching and said, "Captain, please persuade the gentleman. You see, the gentleman's face looks so bad."
"Is there anything you can do to persuade me? Sir, he left Runniang here last night or took us to Hanxiang Tower for a walk. Nothing will happen."
After finishing speaking, Da Liu winked at Jin Feng and said, "Sir, I heard that the girls from Hanxiang Tower are very good. When you are free, please take us to see the world."
"Go and go by yourself!" Jin Feng glanced at Da Liu: "Go and call shopkeeper Ruan over, and we will go out together later."
Shopkeeper Ruan is the female shopkeeper of the Jinchuan Chamber of Commerce in Xichuan City, her name is Ruan Tongjie, and she is also one of the first batch of female shopkeepers recruited by Tang Xiaobei.
He has very good abilities and manages the Xichuan City station in an orderly manner.
When Da Liu heard that Jin Feng called Ruan Tongjie over, his heart for gossip ignited again: "Sir, could it be that you have a crush on shopkeeper Ruan?"
"roll!"
Jin Feng raised his foot and kicked Da Liu's butt.
Da Liu giggled and walked away humming a song without getting angry.
In the next few days, Jin Feng asked Ruan Tongjie to arrange a large number of manpower to conduct market research in Xichuan City.
The survey objects include shop rent, wages, consumption and other aspects.
When the Ninth Princess heard about this, she was very interested and took the initiative to come to help.
With the help of the Ninth Princess, the investigation went very smoothly.
After a series of calculations, Jin Feng finally decided to charge 40% of the handling fees of other banks for deposits and withdrawals of less than one thousand taels.
Between one thousand taels and five thousand taels, 30% will be charged.
From 5,000 taels to 10,000 taels, 20% will be charged.
For amounts above 10,000 taels, only 10% of the handling fees of other banks will be charged.
This not only ensures that banks can make profits by relying on handling fees, but also stimulates merchants to deposit more money.
In the future, when there are more customers, the business is better, and the business is more proficient, the handling fee can be reduced as appropriate.
When Ruan Tongjie first came to Xichuan, Tang Xiaobei explained that Xichuan is the capital of Sichuan and will definitely be one of the key development targets of the Jinchuan Chamber of Commerce in the future, so the shop Ruan Tongjie purchased is not only in a good location, but also in a large area.
Jin Feng didn't need to find another place, he just asked Jinchuan Chamber of Commerce to free up a shop, slightly renovate the counter, and Jinchuan Bank was officially opened for business.
As a result, within three days of opening, except for Princess Ninth and Qing Xinyao, not a single customer came to the door...
"Sir, Wuyang and my brother both said they wouldn't let you open a bank. You must not believe it. Is it okay now? No one is there."