From Lu Yao to Lu Hao and Xu, everyone is actually satisfied with the bank's income so far today. Before opening, Lu Yao actually found Lu Hao and Xu and asked them about their predictions for today's income.
It is estimated that the income and the amount of money that can be lent out by the two people are lower than what Lu Yao himself thought. This is because after all, the bank business can be regarded as an emerging industry, and ordinary people do not
How do you understand? Even if Lu Yao asked Lu Hao for help, he himself sent out 500 copies of the manuscript for publicity, but in the end, how many people can come and how many of these people can do business?
Lu Yao couldn't say for sure.
Therefore, Lu Yao's estimate is also lower. However, judging from today's harvest, the money sent out by the loan business is not a small amount, and there is an endless stream of people coming to apply for loans. Just look at Lu Yao
After checking the account books for a while, the bank began to attract people again, and if this trend continues, after the first batch of customers actually get some satisfaction from the loans they obtained from the bank, the subsequent customers can be said to be certain.
Continuously.
However, the number of the first batch of customers and the amount of loans extended were beyond Lu Yao's imagination, but overall they were still within an acceptable range.
However, this deposit business can be said to be a big surprise for the three people. Lu Yao took a look at the people who came to make deposits. Most of them were people of the same class, that is, the high-ranking officials and nobles in Bianliang City. Some of them were
Some of the high-ranking officials in high positions, like Pan Yuanwu, can be considered to be some powerful businessmen in Bianliang City.
Lu Hao said that the reason why these people can safely deposit their money in the bank is because Pan Yuanwu took out 200,000 yuan before. Secondly, today they actually visited the bank in person and inspected it.
I felt that this place was relatively reliable and safe, so I finally chose to deposit my money here.
Lu Yao felt that what his elder brother said was very reasonable. The amount of the deposit was not a small amount. The total amount of all the money deposited in the bank was almost the same as the 200,000 yuan that Pan Yuanwu had deposited.
Lu Yao looked at the list of deposits, and there were still some names that he was familiar with. Zhang Maocai and Zhao Hu, just these two people, each deposited 50,000 yuan into the bank. Lu Yao naturally knew that these two people
This guy saves money to come in, mostly for the sake of cooperating with him. This 50,000 yuan is just a drop in the bucket to them.
Cao You also deposited 10,000 yuan here, which Lu Yao didn't expect. Although as a young master of the Cao family, it is not difficult to deposit 10,000 yuan. But based on Lu Yao's understanding of Cao You,
He knew that Cao You would never be that kind of corrupt official, and he didn't care about money that much, so he wouldn't think of ways to make money. Therefore, this ten thousand yuan would be even more valuable.
It is possible that the total amount of money Uncle Cao Guo gave him when he entered the court and at home on weekdays. In other words, it was almost all of Cao You's savings. The fact that he could take it out and deposit it in this bank fully shows that
He gained his trust in Lu Yao.
On the other side, Pan Wen also came in with a deposit of 10,000 guan. Lu Yao couldn't help but laugh when he saw Pan Wen's name. If Pan Wen said that he had 50,000 guan in private money, even Lu Yao would believe it.
Maybe Pan Wen himself doesn't even know how much his private property is, but the fact that he can think of saving 10,000 yuan for himself shows that his emotional intelligence has increased a lot.
The others were just small amounts. Lu Hao and Xu originally thought that Lu Yao would be very happy to see so many officials depositing money into the bank, but Lu Yao became a little worried.
"What's wrong? Isn't it a good thing to have more savings?" Lu Hao asked when he saw this.
Lu Yao smiled bitterly and said: "Brother, you said that the officials here to save money are all men. Is it possible that the bank is regarded as his private treasury?"
When Lu Hao heard this, he looked at Xu and said, "I haven't thought about this."
"I'm not worried about them depositing their money here. I'm worried that if their family members find out about their private money and find the bank to cause trouble, how should we deal with it? One party has to give money, and the other party doesn't.
What should we do?" Lu Yao said, thinking that he had not formulated a very detailed strategy for deposits before. After all, he had never thought that there would be so many people coming to handle deposits after the opening.
.If the situation I just mentioned happens and the official’s family members come to withdraw money, should I pay it or not?
However, regarding Lu Yao's worries, Mrs. Xu looked calm and calm. She said to Lu Yao: "Don't worry about this. I have set rules. When everyone comes to the bank to make a deposit, I will give him
When you give them a note, it is also a receipt for them. And I have clearly written on the receipt that when you come to the bank to withdraw money, you need to bring the receipt with you. If someone else comes to withdraw money, they must bring the note and also the receipt.
Only if there is an entrusted withdrawal instruction from the depositor, and the instruction must be written with the withdrawer's name and signature, so that it can be confirmed based on handwriting comparison that it is a power of attorney written by the depositor. After confirmation, bring it with you
When these two bills are brought to the bank, the depositor's money can be withdrawn. If you only bring one bill to withdraw money, the bank will not accept it. Moreover, once the money is withdrawn, the depositor will come back to the bank later.
, the bank is also irresponsible, because there is a power of attorney issued by the depositor, so even if it goes to court, we will be justified."
Xu's remarks made Lu Hao on the side confused. He had been busy for most of the day. He was not around when Xu made these rules, so these were the rules for deposits that he had just heard.
It can be said that he was confused when he heard this. After all, his understanding of banks was only at the most basic level and he did not understand it thoroughly. However, Lu Yao looked happy after hearing these detailed plans from Mr. Xu.
.
"This plan is really perfect, sister-in-law, thank you so much. I admire you very much for being able to come up with such a brilliant strategy in such a short period of time." After saying that, Lu Yao bowed directly to Xu.
bow.
Mrs. Xu quickly asked Lu Yao to get up.
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, said: "No, I should be grateful to you for allowing me to leave the house and have something to do every day. My daily life now is much more fulfilling than before at home every day."
Although Mr. Xu said this, Lu Yao still felt that according to the current customer flow of the bank and Mr. Xu's production was about to begin, he really could not let Mr. Xu continue to do such high-intensity work every day. Therefore, he called Lu Hao aside alone.
, I hope Lu Hao will go back and learn all Xu's ideas and what she has learned about the bank. At least, Lu Hao will help Xu during the period when he can't be there often after finishing the birth and continuing to work in the bank.
, it also helps me take care of the bank.
Lu Hao thought for a while, at least before his wife gave birth, this time would definitely be enough. On the one hand, it was to help Lu Yao, and more importantly, Lu Hao also wanted his wife to stop working so hard, so he immediately
Lu Yao agreed and said that he would discuss these matters with Xu when he returned home.
After chatting with his elder brother and sister-in-law, Lu Yao also came to the back and found Chen Chen and the members of the grassroots team. They had just finished eating, and several people had already returned to the front to help.
Seeing Lu Yao coming over, Chen Chen immediately gathered all the team members to stand up and bowed to Lu Yao. The meaning of this was very clear, which was to thank Lu Yao for giving them a good job.
Lu Yao first asked about their work status and mentality from today to now. It seems that these grassroots team members like their job very much. After all, these people were originally from the outer city, and now they are working in this kind of job.
For them, it was already quite decent, and they would not choose so much. After learning that Mrs. Xu ordered Fan Lou’s dishes for lunch, Lu Yao once again admired Mrs. Xu’s cleverness. After all, after
, Mrs. Xu should be regarded as the boss of these guys in name. The first impression is very important, even if Mrs. Xu manages the money of the Lu family in an orderly manner without any extravagance or waste. But the money that should be spent, Mrs. Xu
Never save a penny.
Afterwards, Lu Yao called Zhang Mou over. This guy will be the lobby manager and security captain of this bank in the future. Lu Yao asked Zhang Mou to get more familiar with the members of the grassroots team and develop a relationship. Speaking of Zhang Mou and Tang Xi’s subordinates,
Those brothers are actually more familiar with each other, but the members of this grassroots team are actually in the same circle as Zhang Mou, so it is very easy to cultivate relationships. For this kind of transaction involving money, the team members must be involved from top to bottom.
Only unity can do it.
The chat was almost over, and it was already evening. There was still an hour before the evening party. Lu Yao felt that it was almost time, and he still had some important things to do. After all, he had to make some preparations for the evening party.
So, he handed over the rest of the Qianzhuang's affairs to Lu Hao and Xu. After all, he only had half an hour to go to Qianzhuang for proofing today. As for Chen Chen, he had been following the members of the grassroots team since he came back.
I'm helping, and there shouldn't be any problems in the rest of the time.
So, after Lu Yao said a few words, he left the bank and returned to Lu Mansion with Tang Xi to prepare for the important gathering tonight.
After returning to the mansion, Lu Yao was not in a hurry to return to his room. On the contrary, he asked Tang Xi to go to his room and clear out everything on the desk, leaving only pen and ink. As for Lu Yao,
The first time he arrived was Lu Xu's study.
When he arrived at the door of the study, Lu Yao vaguely heard the sound of conversation in the room, so he stepped aside and waited. His mother, Yan, passed by and told Lu Yao that when Lu Xu came back from the bank, there were three officials following him.
We came back together. Her mother said that she knew those three people. She had a good relationship with Lu Xu since he entered the officialdom. Lu Yao thought to himself, more directly, these three people should be considered as his father's faction in the court.
People who have good relationships with each other.
Yan continued to say that although the four of them usually have a very good relationship, they would not go to each other's mansions as guests unless it was during the holidays. At most, they would visit each other two or three days a month.
, chose a restaurant in the city to have a few drinks. Lu Yao knew in his heart that this was actually Lu Xu’s wisdom as an official. As the Minister of Household Affairs in charge of money, Lu Xu’s position did not have much contact with political matters.
, but it is also an official position that cannot be ignored. After all, whether it is war or people's livelihood, money is needed. Although these three officials have a relatively good relationship with their father, Lu Xu, Lu Xu must also know that the emperor is
Lu Xu didn't like people forming cliques for personal gain, so Lu Xu definitely felt that the fewer private visits to the residence, the better. However, the relationship was good and needed to be maintained, so it was only a small gathering once or twice a month, which would not cause any arousal.
Zhao Zhen's suspicion. Thinking of this, Lu Yao admired Lu Xu's wisdom in becoming an official even more. It seems that his father thought that he could achieve the position of Minister of Household Affairs and be able to enjoy his old age and look after his children.
His long-cherished wish is to develop well. For this reason, those so-called social activities and superficial friends can be avoided if possible.
However, today these three people followed Lu Xu all the way back from the bank. Mother Yan also found it a little incredible. From their conversation, she learned that it seemed that Lu Xu took the initiative to invite them to his house. However, because
It was such a big day as the opening of the bank, and it would not be a big problem to be a guest in his own house. What Lu Yao was more interested in was what the four people were talking about in Lu Xu's study.
After Yan told Lu Yao a few words, she went back to her room to rest. As a woman, she was not interested in the topics these men were talking about. What's more, even she knew that she knew everything about the matters in the court.
The less the better.
Lu Yao waited outside the study for almost a quarter of an hour. The door was opened from the inside. It seemed that the chat had been finished. Lu Yao greeted the three adults who came out of the study one by one. The three adults
Everyone also praised Lu Yao very much, and then they all said goodbye and left the Lu Mansion. Seeing Lu Yao standing outside, Lu Xu called Uncle Fu and asked him to send his three friends away.
, and then waved Lu Yao into the study.
"You have been standing outside for a long time. Did you hear what we said?" Lu Xu asked.
Lu Yao smiled and said: "It seems that he is studying the affairs between Song and Xia. I think
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I don’t know, Dad, are you still interested in this kind of thing? Didn’t you tell me before that this kind of political thing has nothing to do with you?”
Lu Xu touched his beard, suddenly turned around, looked directly into Lu Yao's eyes, and said, "I'm not interested, but aren't you going to attend that party soon? I see that you are very busy at the bank today.
, so I thought, I would come to some of my friends and ask them if they could give you any advice on the party you are going to attend at Fan Lou tonight."
When Lu Yao heard this, he asked the three people just now if they had any ideas. When Lu Xu heard this, he sighed and said, "What the three of them said was superficial, no different from what you said before.
I believe that anyone who attended the party tonight could say this, and it would be of no help to you."
"I guessed it," Lu Yao said, "As for the issue between Song and Xia, it is a sensitive topic now, and no one is willing to tell their true story."
"Then what do you think? You've been waiting outside for a while. You probably have something to ask me about. If you want to ask me what happened tonight, dad can't help you." Lu Xu looked at Lu Yao and continued.
.
Lu Yao shook his head and said, "I came here today to borrow something from you."
"What?"
"I believe you must have a map of this border, but I don't have such a thing in my room."
When Lu Yao heard what Lu Yao said, he already had a rough idea of what Lu Yao planned to do tonight, so he nodded. He took out a drawing from the top of the bookcase and gave it to Lu Yao. That was Song.
Xia's current border map.
"This is probably the defense and military distribution map from three to five days ago. Since the two sides have decided to hold negotiations in the past few days, I don't think there will be any changes in the distribution of troops. You can just use this map." Lu Xu said.
Here, he paused for a moment, and then said in a questioning tone, "I really didn't expect that you also have research on this marching battle."
Lu Yao took the map and then said: "It's not about any research, just random thoughts. I plan to not say much when the time comes and just hand over a map."
After saying this, Lu Yao bowed and planned to leave Lu Xu's study. Lu Xu also knew in his heart that the evening party time was getting closer and Lu Yao needed time, although he didn't know how accomplished he was in the military.
, when Lu Yao was about to leave the room, he still said, "You must remember that tonight, there will be many people and you must not talk too much."
"Son, I understand." After Lu Yao said this, he left.
After returning to his room, Tangxi had completely cleared out the desk. Now there was nothing on the desk except paper and pen. So, Lu Yao laid the map directly on the table, and then told Tangxi to prepare for the evening banquet.
With two quarters of an hour left, he knocked on the door and told himself that before that, no one could be allowed to enter Lu Yao's room. If anyone came to look for him, they would not see him.
Lu Yao's tone was very serious, and Tang Xi agreed. After exiting the room, he directly stood guard at the door of Lu Yao's room.
In addition to Lu Yao, the Cao family and the Han family are also making corresponding preparations for tonight's party. The Cao family is going to Cao You. Uncle Cao Guo told him that if anyone asks about his attitude at tonight's party,
Just tell them what Cao Yi said before from afar. Unexpectedly, Cao You really thought this way during this trip. He knew that he had to avoid being sharp at this gathering, and his father had expressed his opinion before,
This gave Cao You an opportunity to hide himself. He only had to express that he had the same idea as his father. The reason why Cao You decided to act like this was because he had suffered a loss before and was demoted from Bianliang. It was painful.
Cao You's lesson told Cao You that there were countless pairs of eyes staring at him tonight, and he must not show up again. As Cao You's sister, Cao Han, when she heard about tonight's party, she also asked to go to Fan Tower. She went to Fan Tower
Lou's purpose was naturally to meet Lu Yao. However, Cao Yi refused because Cao Han was not allowed to join the party because it was a party attended only by men.
As for the Han family, Han Yonghe's words to Han Wenyuan in response to tonight's party were exactly the same as those of Cao Guojiu. He knew in his heart that Han Wenyuan was not fully prepared for this party.
When I talked to him, he didn't make any insightful remarks on the issues between Song and Xia, so it was better to talk less tonight. However, Han Yonghe told Han Wenyuan one more thing, that is, in tonight's gathering
, Han Yonghe asked his son to pay more attention to Lu Yao's actions to see if this boy would do anything amazing at the party this evening.
Speaking of which, in fact, Han Yonghe also deposited 8,000 guan in the bank today. Moreover, it was exactly what Lu Yao was worried about before. This 8,000 guan was Han Yonghe's private money. He thought it should be placed with Lu Yao.
It's very safe. This guy will soon become his son-in-law. Even if his wife finds out by then, it won't be a big deal.
Han Wenyuan has always listened to Han Yonghe's warnings. No matter how stupid he is, he still knows that tonight's party is not trivial. He is not as good as Cao You and Lu Yao in terms of reaction and judgment, so he naturally wants to talk less and observe more.
He himself also wanted to see what kind of opinions Lu Yao would have on the Song-Xia relationship.
At the same time, Yan Shu, Fan Zhongyan, and Han Qi are already packing their things and preparing to go to Fan Tower to meet in advance. The three of them have people they want to question, and they all want to know what these people think about them.
What will they think of this mission? Lu Yao's name is among the candidates they are planning to ask. Especially Yan Shu, he wants to know how capable Lu Yao is.
As for the palace, although Zhao Zhen did not let Tang Long attend the evening party this time in order to dispel the concerns of the courtiers, he also recruited a few courtiers whom he trusted very much and asked them to record everything tonight.
Regarding the speeches of the ministers, Zhao Zhen asked them to focus on recording Lu Yao's speech.
Time flew by, and soon, there was only half an hour left before tonight's party. Tangxi saw that it was almost time, so he knocked on the door. Lu Yao opened the door from the room, holding a map in his hand.