Lu Yao knew very well that the bank he was going to open now was a very special existence in Bianliang City of the Song Dynasty. Historically, there was an industry like pawnshops in ancient times. People who were tight on money could use their money to sell their money.
Personal belongings, or family heirlooms given to them by the older generation are mortgaged to pawn shops in order to exchange for some cash. Of course, after becoming rich in the future, they may be tempted to redeem these items. However, some people also use the money to do
In this way, most of the gambling money will be lost, and in the end there will be no way to get back what you love.
Pawnshops and pawnbrokers naturally make more money from pawnshops. Those tellers and pawnshop owners, after getting the items, usually lower them to a very low price, and then based on the identity and experience of the person who pawned the items,
You can make more money by watching others order dishes. Of course, there are a few smart pawnbrokers who can deceive the store operators with cheap items, or they can rely on their own skills and aura to win over the pawnshops.
Get a relatively reasonable price to exchange money.
However, although Lu Yao's bank is somewhat similar to a pawnshop, it is completely different in nature. In modern times, this bank is a bank, but it has much fewer businesses than a bank, that is, three businesses: deposits, withdrawals and loans.
That's all. Among them, deposits and withdrawals, Lu Yao actually didn't pay much attention to it. Apart from anything else, Pan Yuanwu had such a good talk with Lu Yao before that in the end, he just waved his hand and gave Lu Yao 200,000 yuan to enter.
The money in the bank became Lu Yao's principal.
But in the final analysis, when Pan Yuanwu fully understood the bank's business, Lu Yao had already introduced the deposit business to Pan Yuanwu, and also said that there would be interest on deposits. Even so, Pan Yuanwu did not intend to save a penny in Lu Yao's bank in the end.
, the reason is also very simple, that is, it is safest to keep your own money in your own hands. Lu Yao also knows that when dealing with these people, even family members sometimes have their own hidden agendas, not to mention those involving
When it comes to major financial matters, these people do not have the concept of a bank or a place to save money in their minds. They would rather find a secret place to put their money and let it gather dust than hand it over to
In someone else's hands.
Even Pan Yuanwu, who has some friendship with him, is like this, let alone the court officials, relatives and friends with whom he is not familiar, unless he waits for the bank to mature in the future and Emperor Zhao Zhen takes the lead to deposit money into the bank.
A large sum of money can play a good leading role.
The deposit business has stagnated, so there is no need to talk about withdrawals. But this is okay, after all, his sister-in-law Xu is about to give birth, and Lu Yao doesn't want her to be busy opening accounts, keeping accounts, and handling deposits and withdrawals every day. That would be better than now.
Simply lending money to external parties is much more busy. In addition, Lu Yao's own savings and the 200,000 yuan given by Pan Yuanwu are enough to support the bank for a while.
In fact, people around Lu Yao, including Lu Xu, Pan Wen, and Chen Chen, don't quite understand Lu Yao's idea of establishing a bank. After all, no one wants to hand over their hard-earned money to others. Listen.
Lu Xu, who explained the most to Lu Yao, also felt that although Lu Yao was doing a good deed, no one could say whether the money would be recovered in the end.
Before wealthy families trusted Lu Yao to handle deposits and withdrawals, the bank's main business was focused on loans. Moreover, now is a good time, that is, the transition period between the imperial examinations.
There is still some time left for the palace examination. Now think about it, it has been almost a week since Lu Yao last participated in the examination. This week, Lu Yao has been very busy, and he has to deal with the warm-up competition and other matters.
His new idea, food court and hot pot restaurant, is to completely transform his industry. However, Lu Yao actually has another identity, which is very simple, that is, he is a candidate for this imperial examination. As the Minister of Household Affairs
As his son, Lu Yao can live in Lu Mansion every day, with no worries about food and clothing, and there is also a carriage when he goes out. This is something that other students dare not even think about. If others don’t tell them, just take Su Shi and Su Zhe as examples.
Let’s take brothers as an example. If these two people hadn’t been invited by Lu Yao to be the commentators of the Cuju competition, and thus got money and moved out of the temple and could live in an inn, they would still be living in the simple environment of the temple.
.
Moreover, Lu Yao has heard in the past few days that in fact, since the end of the examination, many temples have made it clear that they will no longer accept students to stay there for free. This is of course, after all, during the examination, students basically
Shang also stayed there for three to five days, but as soon as the exam was over, they wanted to stay in the temple for free for another week without spending a penny. Not to mention that they themselves felt very shameless and shameful, so they even stayed in the temple for free.
Although monks who have become monks don't say it on the surface, they still feel bored in their hearts.
Even so, the temple, based on the compassionate thoughts of our Buddha, began to charge them very low accommodation fees. Compared with the inns and sleeping in the open air in the outer city, the students with some financial difficulties can still accept the price offered by the temple.
However, not all of these students can afford the so-called relatively low fees provided by the temple.
Children from poor families are everywhere, and among these students, there are a group of people who are already in debt even when they come to Bianliang City. There are also students who only have official tickets, but now
As soon as the test is over, the official tickets are immediately invalidated, and they have to solve the next problem of food and accommodation by themselves. Besides, they are the same penniless guys like Fan Zhongyan back then.
However, Lu Yao knew in his heart that if he wanted to change the current officialdom and the country, it would rely more on such poor people, so he couldn't let them feel cold now. Moreover, after all, the time of the palace examination is actually arranged at the end of the general examination.
Within a week, if it were not for this new Cuju competition that he created, Zhao Zhen would not have ordered to postpone the date of the palace examination, so that these students would not fall into this dilemma. Therefore, it caused
Although today's situation is not what Lu Yao wanted to see, it is undeniable that Lu Yao does have to bear a certain amount of responsibility.
Therefore, Lu Yao's idea of establishing a bank has become more urgent. The only good news is that he is still exhausting all kinds of money.
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Most of these students who have stayed in Bianliang City in this way are very confident in their examination results. Those who feel that they are not on the list, because of the postponement of the palace examination, most of them will not even be able to wait until the day when the results are released.
Waiting, directly after announcing the postponement of the palace examination, I packed up my things and went back to my hometown in despair.
Therefore, most of the students who are still staying in Bianliang City waiting for the results of the general examination are those who can enter the palace examination. Lu Yao had some knowledge about the palace examination before. To put it bluntly, this palace examination is just like modern and boss
The principle of conducting interviews is that as long as the candidates do not perform abnormally and do not encounter any unexpected situations, most of them can apply successfully. In other words, most of the students who are currently staying in Bianliang City will enter the official career in the future.
, it’s just that the places assigned to everyone have different official ranks. When they actually entered the officialdom, Lu Yao had already determined this when he talked to Zhao Zhen about the bank affairs. He hoped that the royal family could take out money from the treasury.
Part of the money was used to pay two months' salary in advance to those who could pass the imperial examination. After hearing Lu Yao's talk about the loan business, Zhao Zhen immediately agreed to Lu Yao's request.
With these two months' salary, these people who borrowed money from the bank can naturally repay their loans from the bank together with the interest. It is only half a month's interest. Those who enter the officialdom with high spirits should
It’s not like they are not even willing to pay these interests. Moreover, for them, they should be grateful to those who can help them when they are in trouble. Lu Yao completely captured the psychology of these scholars in the Song Dynasty. Of course
, Lu Yao also needs to take protective measures. There have been scoundrels in all dynasties. Although they have entered the court as officials, there will definitely be a few old scoundrels who do not want to pay back the money they borrowed from the bank. For this kind of scoundrels,
Lu Yao could only ask Zhao Zhen to issue an order. If the money owed is not repaid when it is due, the court will take action. If they still want to keep their black hats, the loans given by the bank must be repaid.
As a result, there is only the last type of people left. Those who failed the imperial examination or had poor results in the general examination, stayed in Bianliang City for half a month in vain, and still failed to pay in the end. For this kind of people, Lu Yao felt
I need to take a special measure. If I just let them go, then in the future such people will feel that the bank is a big advantage. After borrowing the money, they will say that they can't pay it back, which will be very troublesome. But if you force them to pay back the money
If so, they really didn't have much money for a while.
If this is the case, Lu Yao feels that it is better to send them to work in the industry below him or in the food industry, and use the wages earned to pay off the debt. According to the amount of money these students can borrow before the palace examination, they should be
In two months of working, I can pay off the debt, and I can still keep some money. I have no choice but to take this measure if I can't pay back the money.
These are some of Lu Yao's initial ideas and preparations for running a bank. Although Xu did not understand some of Lu Yao's methods, she finally agreed with Lu Yao's methods.
At this time, Lu Yao was in the room arranging what Tang Xi needed to do today. Generally speaking, it was just a few things. He wanted someone to keep an eye on Cao Ping. Lu Yao felt that through him, he could know that Cao Han would be arrested in the future.
How does Cao Guojiu arrange it? The bank is about to open tomorrow. Although Chen Chen and his grassroots team members have to sacrifice a day of training, after all, the grassroots team members have to work in the bank next, whether they are familiar with the working environment in advance or
In order to prepare for tomorrow's opening, they all must be present.
The last thing, which was also the most critical, was that Lu Yao asked Tang Xi to find all the brothers he had become friends with when he was wandering in the outer city and gather them at the gate of Lu Mansion. He had something to tell them.
Tang Xi was a little confused. When he first defected to Lu Yao, his brothers became Lu Yao's bodyguards. Later, they were dispersed to various industries. Previously, because of Lu Yao's industrial transformation, his subordinates
These brothers returned to the Lu Mansion. Several people were sent to keep an eye on the Cao family's movements. Most of the other brothers were basically people who would work in the bank in the future. In this regard, Lu Yao
This was the plan. It was not enough for only a dozen people from the grassroots team to work in the bank. In addition to security work, some staff and service personnel of the bank must also have everything they need, so he also sounded the call from Tangxi.
Those brothers. Of course, after the hot pot restaurant and food court project officially opens, Lu Yao will also dedicate some of these people to go to these two places to maintain order.
In fact, Lu Yao had explained these plans to Tang Xi before. Because of this, Tang Xi was confused about Lu Yao's decision to summon all of them to the Lu Mansion in an hour. He knew that the young master had never been a person.
Tang Xi is a person who is capricious and changes his orders from day to day. The arrangements he made before are very reasonable in Tang Xi's opinion. Now that he has summoned these people here, it cannot be because of changes in their appointments. But Tang Xi can't figure it out. Lu Yao wants to
What are these brothers doing to help him? To be honest, I and the brothers under me are rough people and have little education. It took me so long to become Lu Yao's housekeeper, and I learned a lot from it.
Some knowledge has improved some emotional intelligence. However, his brothers can still only do some basic tasks. I don’t know what Lu Yao wants to arrange for them to do.
Lu Yao was a little confused when he saw Tang Xi. He knew that those people had a very good relationship with Tang Xi, so he said: "Don't worry, I called them here today because I have some urgent things to do. You can give them an hour."
Come here, but your time will be shorter. After you finish these three things, you must come back within an hour. I have other things for you to do."
When Tangxi heard this, he realized that there were still a lot of things he needed to do. Although he still had some doubts in his heart, it seemed that now was not the time to ask the reason, so Tangxi nodded in agreement and then left the Lu Mansion.
After Tang Xi left, Lu Yao did not immediately go to his sister-in-law Xu to discuss the opening tomorrow. He knew that Xu's pressure was no less than his own now, not to mention that she was still pregnant.
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, so we should pay more attention. Lu Yao decided to wait until he has dealt with all the matters before the opening, and then go to Xu later today to confirm tomorrow's matters.
Afterwards, Lu Yao came to the desk and started writing what he would need for a while.
As for Tangxi, his time was quite tight. He first went to find those who were responsible for keeping an eye on the Cao Mansion and told them that the next target would be mainly on Cao Ping. And Tangxi said that in the future, he could not just use
The way to keep an eye on him is to approach Cao Ping if necessary. He knows that Cao Ping is a heavy drinker. He seeks out his friends and asks them to approach Cao Ping and drink with him. If he drinks too much, he might
Cao Ping would reveal some of Cao Han's movements. For this reason, Tangxi also gave these brothers some money as compensation. Lu Yao did not tell Tangxi about this method, but now as Tangxi, who is in charge of his own affairs, for these brothers around Lu Yao
I know a little bit about the characters, their personalities, temperaments and hobbies, so I came up with such a method.
After finishing the first thing, Tangxi rushed to the inn where Chen Chen lived without stopping. Fortunately, in Chen Chen's training plan today, the grassroots team was following him in the inn to discuss the first round match against the Huangtian Team.
tactics, so not only Chen Chen, but also all the members of the grassroots team were present. In this way, Tangxi could seek advice from everyone. Tangxi knew Chen Chen’s character very well, and he also had a strong reputation among the grassroots teams.
With absolute influence, Tangxi believes that as long as Chen Chen speaks, these people will definitely obey and show up at the bank tomorrow. However, Tangxi still wants to hear their own ideas. Maybe some team members want to train, and
I don’t want to go to a bank.
However, it was obvious that Tangxi was thinking too much. The members of the grassroots team had already heard from Chen Chen that after the Cuju competition, they would go to the bank to work. Although this group of people were all ordinary people from the outer city.
, But no matter what, they still understand such a simple truth. Tomorrow is the opening day of the bank. Lu Yao asked them to come together not just to help. From now on, these people can become old employees of the bank. The benefits will be said in the future.
There may not be many, so he must be there when such an opportunity comes. Tangxi thought that he would have to spend a lot of time convincing Chen Chen, but in Chen Chen's opinion, he would be there tomorrow due to emotions and reasons, and Lu Yao could
There must be reasons for arranging all the members of the grassroots team.
Even Chen Chen readily agreed. Tangxi had done the first two things very quickly, but Tangxi had to do the last thing quickly.
The brothers under him were distributed in various industries. Tangxi found them one by one. Those who worked in other industries in Lu Yao explained to the person in charge and resigned directly. Tangxi told these people that after Lu Yao
There are better arrangements for them to appear outside the Lu Mansion within a specified time. What Tang Xi said is still very weighty. Now as the steward of the Lu Mansion, his brothers are very convinced of him. In addition, the industry
After the transformation, some people in charge changed from operators to bosses, and their mentality inevitably became arrogant. Tangxi's suggestions at this time undoubtedly saved them from dire straits.
In this way, Tangxi completed these three things within half an hour, and then rushed back to the Lu Mansion.
At this time, Lu Yao also left the desk and saw Tang Xi in the main hall. Lu Yao greatly praised Tang Xi's explanation of how to deal with Cao Ping, because in this way, the Cao family would never know that it was him.
While staring at Cao Ping, and through drinking, Lu Yao would definitely say something based on his understanding of Cao Ping.
Lu Yao had already guessed Chen Chen's reaction. After all, this was related to the future work of the grassroots team members. Lu Yao had no choice but to sacrifice a day's training time for them.
Finally, when Tangxi told Lu Yao about the problems that his brothers had reported to him, Lu Yao said that he had now changed from a boss to a share-getter, and his identity had changed, so the current Lu Yao was
I don’t have the right to evaluate the business strategies of those industries and the business methods of the bosses, nor do I have the right to ask them to make changes. However, Lu Yao cannot guarantee it, but Lu Yao, the brothers under Tangxi, has given them
The place has been arranged.
"Even I am forced to have no choice but I can't solve everything." Lu Yao finally sighed and came to this conclusion regarding Tang Xi's reaction. But he didn't know what Lu Yao's words were.
, are you saying it to Tangxi or yourself?
Lu Yao knew that he didn't have time to be sentimental. He took out a manuscript from his desk. There was a lot of dense writing on it. Lu Yao handed the manuscript to Tang Xi. There were still more than forty minutes before the agreed gathering time.
He asked Tangxi to take the manuscript to the printing factory and print at least three to five hundred copies. The speed and time must be fast. After all, the printing factory used to be Lu Yao's own property, and he directly asked Tangxi to contact the printing factory at that time.
The current boss has given him three times the price, so he must get it done before gathering.
Tangxi knew that time was tight, so she didn't read much about the content of the manuscript and left the Lu Mansion with the manuscript.
In fact, what was written on the manuscript was Lu Yao's promotional manuscript for the bank. It included the bank's main business, loan interest rates, and preferential policies for students who are currently preparing for the imperial examination and are worried about food and accommodation.
.No matter what industry it is, it still needs marketing. The aroma of wine is not afraid of the alley. That is for this industry that existed in the Song Dynasty, but it has never appeared before like Qianzhuang. Most people respond to it.
A skeptical attitude.
The conditions were simple and there were no such good publicity methods, so Lu Yao decided to use the most primitive method to promote the bank before its opening. This was also the most important factor that Lu Yao asked Tangxi to call his brothers.
After Tang Xi left, Lu Yao took advantage of the half-hour break and had a simple lunch. At the same time, he also called out his eldest brother Lu Hao. Xu was pregnant, so it was better for Lu Hao to do this kind of physical work.
