Unlike Lu Yao who was having a good time with some friends just now, Lu Hao and Xu were very busy at the bank. Neither the couple expected that today was the first day of business for the bank.
, even if there are those trustworthy people who want to do business, it should not be overcrowded. After all, this bank focuses on money business. The saying that people die for money and birds die for food is true.
But when it comes to money matters, everyone has always been very cautious.
Originally, Lu Hao thought that among the friends he had found, almost half would come to the bank to handle business. In addition, he saw that the brothers in Tangxi had also sent hundreds of manuscripts.
Go out, but Lu Hao is not very optimistic that these people will come to the bank to do business. Obviously, he underestimated Lu Yao's accuracy in judging people. When telling Tangxi's men what kind of people to send the manuscript to, Lu Hao
Yao had already calculated it accurately. If these manuscripts were handed over to them, it was basically certain that they would go to the bank to handle business.
Of course, in addition to these people, some other people present today also handled business, which did not surprise Lu Hao. He originally thought that these ministers of the DPRK and China came to the scene for the sake of someone else.
Officials or friends were just going through the motions and would leave as soon as the ribbon-cutting was over, but unexpectedly, there were also quite a few officials who came to do business.
Su Shi and Su Che, as the first and second person in charge of business, borrowed a lot of money from the bank in one go. As for Lu Yao's friends, Lu Hao was not worried that these two people would not be able to pay the money, let alone Su Shi.
With Su Che's ability, it is not easy to stand out in the palace examination. As for Su Shi and Su Che, they knew that Lu Yao was actually cooperating with the royal family. If he didn't pay the money by then, he would be affected.
Later in his official career, I admired Lu Yao's move very much. After all, the emperor has the final say in Bianliang and the entire Song Dynasty. As for this bank, although the emperor did not have much capital injection, this
Punishment measures are directly decided by the emperor, so if you want to cheat and fail to pay back the money and anger the emperor, everyone will know what will happen.
Some of the poor officials in the court also became important customers on the first day the bank opened today. Compared with those scholars, they naturally borrowed more money. In fact, before the bank opened, Lu Yao and Xu had already
It was discussed that people with different identities and different economic situations should be given different credit evaluation values. This credibility evaluation value is basically the same as the modern calculation method. Now those in Bianliang City have different requirements for their own imperial examinations.
Scholars who are very confident in their grades and will definitely enter the officialdom in the future, as well as ordinary people who want money to do small business, merchants to turn around, or officials who want to borrow money, Lu Yao and Xu will give them money.
There are three, six, and nine. The bank has a limit on the maximum loan amount that the bank can provide to people with different identities, incomes, and the amount and urgency of the money needed. For these different properties, here is the simplest example.
For example, a commoner who wants to start a small business in Bianliang City actually has no income for a month. Therefore, Lu Yao can only give him a loan limit of 20 yuan at most, because the loan is not enough.
We only need to consider the interest collected, but also the repayment ability of these borrowers. For those officials who have income every month, the loan limit will naturally be relaxed a lot, as well as those who are very concerned about their fame.
Confident scholars can basically become officials in a month, and their quotas will be larger than those of ordinary people. Regarding this point, Xu once asked Lu Yao, in fact, if a compromise is made with the middle number,
Would it be better to have a unified standard for quotas? This proposal was rejected by Lu Yao.
Lu Yao said that he wants to make these people who come to borrow money understand the current situation and their own abilities and limits. If you want to borrow more money, you have to work hard, do more things, and gain a higher status.
Have a stable income, otherwise, nothing will fall into the sky.
However, even with such a standard, Lu Haoben felt that some people might not come to the bank to do business because they were worried about not being able to pay the money. However, those officials who applied for loans were quite understandable. They had a stable income and knew that they could
To pay back the money, of course, there are also officials who come to handle business just to understand the bank's operating mechanism and marketing methods. Lu Yao also welcomes these people.
Although there are these thresholds and punishment mechanisms, there is still an endless stream of people coming to the bank to handle business, which also makes Lu Hao understand a truth. What these people really lack may be these start-up funds and money for transition.
If they don't have full confidence to repay, they won't come to the bank to borrow money.
Of course, in addition to loans, there are also some people who come to handle deposit business. On the page of Lu Yao's manuscript introducing the bank, it is not just an introduction to the loan business, although Lu Yao also feels that he can deposit money.
There are not many people who go to the bank to deposit money. However, as an industry similar to a bank, there is still a deposit business. For this reason, Lu Yao actually gave a very high deposit rate when designing the deposit interest rate.
Interest. Of course, this kind of deposit is the same as modern times, and it is also divided into dead deposits and current deposits. Although most people who come to banks to handle business today come to get loans, there are also some who deposit their own money.
To the bank. Among them, Pan Yuanwu’s previous large sum of 200,000 yuan was deposited in Lu Yao’s bank, which played a very key role. Among the customers who came to deposit money today, many of them were friends of Pan Yuanwu, but Pan Yuanwu did not
After introducing it to them, I learned that Boss Pan, who has always regarded money as very important, would put his money in this bank. This shows that the safety of this bank is relatively good. This has been true since the bank opened.
It can be seen from the number of staff that there are quite a lot of service staff in the bank today, including all the members of the grassroots team and some of Tangxi's subordinates. They have all been arranged into appropriate positions under the leadership of Zhang Mou. There are
These people look after the treasury every day, so there shouldn't be any problems. In this way, it saves the wealthy and big merchants from having to spend money to look after the treasury every day.
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You have to worry about whether the people you hired will commit theft. They all put part of their savings in the bank today. After all, these people who come to save money are basically people who are not short of money on weekdays. They want to see
, put their money in this bank, whether the interest is real, whether the accounts will be recorded accurately, and whether it is safe or unsafe. If everything goes smoothly by then, they will wait until their first deposit expires to withdraw it
After seeing the interest income, a large amount of deposits will be deposited into the bank. Xu and Lu Yao have already thought of this before. Xu personally receives these customers who come to make deposits and provides them with
They explained the benefits of deposits one by one. These big businessmen who came to deposit money saw a woman with a big belly explaining these things to them. After she finished explaining, they were too embarrassed not to handle the deposit business.
So, although today, among the ten people, basically seven or eight people have come to handle the loan business, but after such a long time, the people who have come to make deposits have deposited a lot of money. Of course, there is Xu
Sitting in charge, the accounts are taken care of clearly.
It was already in the afternoon, and all the people who had been queuing up to handle business had finished processing. Now the bank had entered a period of stable development. So, Xu finally breathed a sigh of relief. She had already contacted Fan Lou before.
The chef made an appointment. Although Fan Lou was booked out today, the party was held in the evening after all. So Mrs. Xu had already told Fan Lou that they would send someone to Fan Lou at noon and afternoon today.
Fan Lou's takeout service allows all those who have been busy at the bank for such a long time to enjoy lunch directly at the bank in batches, and it is Fan Lou's serious and delicious stir-fry. Everyone is happy and full, and will be strong next time.
Work. The members of the grassroots team highly praised Xu, who played a role similar to that of a boss lady. At first, several people led by Lu Yang thought that they would be uncomfortable after arriving at the bank, but after half a day,
, I feel that I am very happy doing things, and the atmosphere is very harmonious. Zhang Mou, who is from the same background, has endless topics to talk about with them. Therefore, now all the members of the grassroots team have recognized the Qianzhuang as a place to work, and now
After waiting for the Cuju competition to end, I will come here to work.
At this time, Chen Chen, the captain and leader of the grassroots team, was walking back to the bank with Lu Yao.
"Sir, do you really plan to hand over the hotpot restaurant to Yang Tao to run?" Chen Chen asked as he walked on the road.
Of course, Lu Yao knew what Chen Chen was worried about. Chen Chen would soon become Lu Yao's housekeeper. At that time, his main responsibility would be to connect with the industries below him, which naturally included the food court and the food court in which Chen Chen's own father was involved.
There are two new projects, namely hot pot restaurants. Although Chen Chen does not have as big an opinion on Yang Tao as Pan Wen does, from the way he speaks now, Lu Yao still feels that Chen Chen is not very optimistic about Yang Tao managing a hot pot restaurant.
business.
Lu Yao said: "Are you still worried about Yang Tao's ability?"
Chen Chen nodded and said, "Actually, it's not all a matter of ability. I think that if a person with Yang Tao's personality is asked to take care of the store, he might get into trouble."
Lu Yao smiled and said, "That's right, you have already begun to analyze people's personalities."
Chen Chen nodded awkwardly, and Lu Yao continued: "Don't worry about this, I believe Yang Tao is qualified for this job. Think about it, the business of a hot pot restaurant is now in the outer city. If I don't hand it over to Yang Tao, what will happen if I don't hand it over to Yang Tao?
I have no way to find a reliable person to take care of this hot pot restaurant, so do I have to find Zhang Maocai to take care of it?"
When Chen Chen heard Zhang Maocai's name, he hurriedly shook his head and said, "Absolutely not, that Zhang Maocai is a more dangerous person than Yang Tao."
Lu Yao said: "So, I have thought about the people around me, and Yang Tao can be used. Don't worry, after you officially become my housekeeper, you will have a very important task, and that is to go and work with me.
All industry reconciliations, this is not just an opportunity for you. While reconciling with the hot pot restaurant, you can see what kind of person Yang Tao is and whether he is qualified for this job. I think, the ledger
The numbers on it will tell you this information more directly.”
Although Chen Chen didn't know where Lu Yao's confidence came from, nor what he had talked about with Yang Tao and Zhang Maocai when they were drinking wine, it could be seen from Lu Yao's tone now that he still had a crush on Yang Tao.
He was very confident. Now that he had said this, Chen Chen also began to be a little curious about what Yang Tao could make the hot pot restaurant look like.
Seeing that Chen Chen no longer asked about Yang Tao, Lu Yao said: "On your side, you have always helped me with this and that these days. How is the team's preparation? The day after tomorrow, you and the Huangtian Team will
You will each get half a day of training time, which is also the last training time before your game. How are they doing?"
When Chen Chen heard Lu Yao's question, he still felt warm in his heart. Originally, he thought that Lu Yao just regarded his team members as his employees, but this was understandable. Originally, after this Cuju competition
, the members of the grassroots team will officially go to work in the bank. As for the new Cuju competition, Chen Chen feels that Lu Yao is no longer as attentive as when he just held the competition, because everything about the Cuju competition is now on track.
Therefore, it is natural for Lu Yao to spend more time on other aspects, such as the food court discussed with his father, Lao Chen, and the soon-to-open hot pot restaurant, which are the focus of Lu Yao's recent responsibility.
However, the fact that Lu Yao asked such a question now shows that he still cares about the most important thing for Chen Chen right now, which is the training of the grassroots team. There was a schedule before, and the day before each game in the Cuju competition started,
The two competing teams will each be given half a day to go to the Bird's Nest Stadium to familiarize themselves with the venue and train. As the two opposing teams in the first game, Chen Chen's grassroots team and the Royal Royal Sky Team will each start a half-day period the day after tomorrow.
of training.
Wang Da from the Royal Sky Team came to Chen Chen's home to find Chen Chen. The purpose was very simple, which was to let Chen Chen choose whether to train in the morning or afternoon that day, and then the rest would be done.
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It only takes half a day to give it to them. Although Chen Chen has now lived in the inner city, and everyone knows Wang Da's origin, he is just a commoner, however, Chen Chen still read some things from what he talked to.
A taste of contempt. Obviously, Wang Da looked down on Chen Chen. In Wang Da's view, although Chen Chen performed very well in the warm-up match, and in terms of his level of investment and study of new Cuju, Chen Chen also
It can be said that it is unparalleled. However, in Wang Da's opinion, if he randomly selects a citizen from the outer city who is serious and hard-working to make progress, as long as he does not have a bad head and works as carefully as Chen Chen, he can make this grassroots team successful.
Yes. As for Chen Chen, he was just lucky enough to meet Lu Yao, hang out with Lu Yao, and be brought out by Lu Yao.
As for Wang Da himself, although he and Wang Yi are now considered members of the royal family, in the beginning, the two of them were street performers and worked as coolies. With their own abilities and hard work, they were appreciated by the emperor and finally led the army.
Now he is the Royal Cuju Team. Therefore, even if the two people have the same background, there is still a chain of contempt between them. Therefore, Wang Da wholeheartedly despises Chen Chen, who has relied on luck to get where he is today.
guy.
Therefore, Wang Da will definitely not hold back on this new Cuju competition. What's more, in terms of objective conditions, as the captain of the Huangtian team and the boss behind the Huangtian team, the emperor, if this competition, he
If the royal team loses to a grassroots team composed of civilians, Wang Da simply cannot imagine what the outcome will be. Apart from anything else, what will the common people think of this royal team?
In the past, there were only one or two gatherings every year, and people would see the performance of the Royal Cuju Team. At that time, the people still thought that the Royal Cuju Team was very powerful, but if they lost to Chen Chen, then this
There is no doubt that the impression will plummet. When the time comes, I and Wang Yi may not be able to keep their jobs, and the emperor will be embarrassed, and the consequences will be serious.
Chen Chen had already looked down on Wang Da's disdainful attitude. If it were before, Chen Chen might have wanted to give him a few words of convenience, but since he decided to become Lu Yao's housekeeper, he has put all this aside.
I have taken it lightly. It is true that I am lucky. This kind of good luck will not happen to everyone. There are still countless people in the outer city living a hard life. If you look at yourself according to luck,
Chen Chen could accept it calmly. However, Chen Chen still chose to stay with Lu Yao and later become his housekeeper. This was because he knew that among the many people Chen Chen knew when he grew up, only Lu Yao would truly serve him.
People do things. But now, everyone regards their grassroots team as Lu Yao's team. If their team loses, Lu Yao will definitely be laughed at by others, which is something Chen Chen cannot accept.
Facing Wang Da's question, Chen Chen gave Wang Da's answer after some thought.
Chen Chen finally chose to train with the grassroots team in the afternoon. In this way, he would have half a day in the morning to watch the training of the Huangtian team, and he would also have one afternoon to make certain tactics for the Huangtian team.
Adjustment. Of course, it is impossible for Wang Da not to know such an obvious truth. He then said that his Huangtian team would train in the morning, and in the afternoon, he would also see how Chen Chen's grassroots team trained.
"I hope our game will be more exciting and better-looking, rather than one-sided. We are all from civilian backgrounds, so I will definitely give my best."
This was the last thing Wang Da said to Chen Chen before he left after confirming the training time with Chen Chen.
At this time, Lu Yao asked about the situation of the Cao Gen team, so Chen Chen told Lu Yao what happened that day.
"Actually, if I were you, I would choose to train in the morning." Lu Yao said, "Because the game is at noon, and you choose to train in the afternoon, the rest time of the players may be less than that of the Huangtian team.
But this is not bad, it can keep your players in a high-intensity competitive state."
Chen Chen said: "I think so too. During this period, the time to actually train on the field is actually relatively short, so I thought that the interval between training and the official game should not be too big, so that the players can find the players quickly.
Return to status."
The two of them had already arrived at the entrance of the bank. Lu Yao thought for a while and said to Chen Chen: "I think it would be better if you played against the Huangtian team from the beginning."
Lu Yao said this because he actually knew that the grassroots team's chances of winning against the Huangtian team were actually slim. If Chen Chen came on the field earlier, he could use his strength more on the field, so he would have no regrets.
Chen Chen said with a smile: "That's what I originally planned. After all, my opponent is the Huangtian team. I can't take it lightly. If I lose, I will be eliminated directly."
The two then returned to the bank. When Chen Chen arrived, he directly asked where his team members were and went to meet them. On Lu Yao's side, they found Lu Hao and Xu.
At this time, the business of the bank was not too busy. Seeing that Lu Yao was back, Mrs. Xu gave Lu Yao the account book she kept. Naturally, Mrs. Xu recorded the deposit business and loan business separately.
Lu Yao picked up the account and looked at it carefully. Xu recorded every transaction in great detail. Regarding the loan business, Lu Yao roughly looked at the number of people who had applied for loans and the total amount of money lent so far.
, the amount of money spent was still within Lu Yao's estimate, but the number of people applying for loans was lower than Lu Yao's expectations.
However, the deposit business gave Lu Yao a big surprise. He did not expect that there would be so many customers who made appointments to make large deposits at the bank. Originally, Lu Yao thought that there would be three or five people coming to the bank to deposit money.
It is a very difficult thing.
"Why are there so many people coming to make deposits?" Lu Yao was indeed a little surprised.
Lu Hao said from the side: "I think it has something to do with the fact that boss Pan Yuanwu gave him 200,000 yuan in principal before."
After Lu Hao's reminder, Lu Yao understood the reason and secretly said in his heart, the benefits are not bad.
