Chapter 161: Matching Opponents Will Meet Liangcai 1
The inner room of Sihai Qianzhuang Dunhuang branch
Brains of all sizes were gathered together, but in this quaint-looking room, there was total silence.
A little old man who looks very shriveled is sitting on a chair. He looks unattractive, but everyone here is very proud and dare not show off. From this, it can be seen that this person's status is different from the ordinary.
"Our bank has been open for almost two months. I've read your reports." The little old man patted a stack of paper at his hand. "Of course what you did is not bad."
"What did the superiors say?" Su Quan, the chief inspector of Dunhuang Branch, asked with a smile. Su Quan was a big fat man. He walked with bruises all over his body and looked like he was laughing at Maitreya. However, he could be a big fat man.
If you go to this mysterious bank to conduct a semicolon check, there must be something special about it.
The little old man rolled his eyes and said: "The evaluation above is just four words, not satisfactory."
When Su Quan heard this, his face suddenly became bitter, and he said with a cry: "Boss Chen! Our Dunhuang branch has the third highest profit among the thirty-seven branches in the world, second only to Jiankang and Henan Branch.
Chang'an, but you also know that Jiankang and Chang'an are ancient capitals of many dynasties, with large populations and a lot of money.
Even if we are in Liangzhou, Dunhuang is considered a second-tier city. What we do in Guzang Semicolon is not as good as ours. If we count the cost and profit we receive, our profit margin is the highest in the world. Now the counters
It also offers the most cash, so why do you just say it’s unsatisfactory?”
"Yes, Mr. Chen, why is this?"
"That's right"
Su Quan opened up everyone's conversation. For a while, everyone spoke one after another. However, Chen Wuchang, who was called Chen Tou, still looked at everyone calmly at this time.
I just don’t know why, but when Chen Wuchang stopped talking, everyone became more afraid of him. Those who spoke enthusiastically before also became quieter and quieter.
"Su Quan" Chen Wuchang rubbed the corner of his eyes
"Boss" Su Quan immediately put on that iconic smile
"You just said that you have the most cash on the counter?" Chen Tou asked
"Yes! There are 700,000 yuan!" Su Quan said proudly, "Didn't you just talk about the situation of other semicolons? Since Chang'an semicolon, Jiankang semicolon, Chengdu semicolon, Luoyang semicolon
None of these places have as much cash as we do, so Lao Su, let me do the math, I think we have the most in Dunhuang."
Chen Wuchang closed his eyes, calculated carefully, then opened his eyes, nodded slightly, and said: "You are right, among all the semicolons in the world, your Dunhuang semicolon has the most cash."
Su Quan grinned and was about to laugh when Chen Wuchang lightly knocked on the table at hand and said: "It's right here! It's right here! The reason why your semicolon was rated as unsatisfactory by the superiors is because you have too much cash on the counter.
!”
"Huh?" Su Quan opened his mouth wide, a little at a loss.
Chen Wuchang stood up, shook his head, and said: "It seems that you still haven't understood the meaning above, nor the true meaning of our bank."
Su Quan took the opportunity and said: "Well, Mr. Chen, please tell us. I, Old Su, have worked in the pawn shop for so many years. Other shopkeepers have also worked in the pawn shop. In the early years, we even let usury money go, but you, old...
I’m really convinced, Lao Su! You know a lot, Lao Su, I don’t understand, but if you want our bank to grow, you have to teach us what we don’t understand!”
"That's right"
"Mr. Chen, just teach us."
"Okay, let me tell you something." Chen Wuchang rubbed his hands, "But speaking of it, Lao Chen, I also listened to what we said above. Hehehe, Lao Chen has lived for 70 years. Who hasn't seen him?
But guess what? Lao Chen has never seen anyone as smart as us! Gee, come to think of it..."
"Boss Chen!" At this time, Su Quan had the courage to interrupt Chen Wuchang, and said with a shy smile: "Boss Chen, this old almanac, please get us all together and start.
I started to praise it, and I have praised it eight hundred times now! Lao Su, my ears were not big before, but because of these new calluses, they are now fat and big."
As soon as he said this, everyone laughed, Chen Wuchang also laughed, and the atmosphere became lighter.
"Okay, okay" Chen Wuchang waved his hand, "Let's get down to business, what is the purpose of opening a bank? In addition to what I told you at the beginning, we can exchange what we have and let all the money in the world be transferred instead of being buried in the cellar.
Locked in a cupboard, the more important thing is to make money, right? It is said that a penny can stump a hero. No matter how great our ability and ambition are, we still can't do it without money."
"Yes, what you always say makes sense!" Su Quan is a very competent praiser.
"But when you make money, of course you make other people's money. Su Quan, let me ask you, if you put other people's money on our counter, does that count as making money? Wrong! That money is still other people's money! At most,
We made a little bit of money, but not even a penny in profit. Considering our huge family business and costs, even though we didn’t lose money, I think 5% is about the same."
Su Quan seemed to hear something and looked thoughtful.
"Su Quan, think about it, and all of you, use your brains and think about it. I told you before. Now, among you, Su Quan is the most capable, so I asked him to be the chief inspector. But one day, you
Anyone who can prove that he or she is more capable than Su, even if you have just entered the industry, even if you talk dirty, or even
You are a woman, Lao Chen, I will also let you do a big cabinet search. If you can do it better than me, don't worry, Lao Chen, most of my body has been buried in the ground, so I don't have to worry about food and drink, and I don't have to worry about my children.
, I am determined not to block your way. As long as you have the ability, it is not a problem to replace me! Just one thing, you have to make money for our ticket account!"
These words made everyone's blood boil and their hearts beat loudly.
In fact, since the bank is a new thing in this era, it is natural that there are no skilled employees. Therefore, when forming the bank team, this group of people come from all backgrounds, and there are naturally many accountants and so on.
, people like Su Quan who have been dealing with money all year round are naturally needed, and there are also people who work in carriages and horses, because they travel all over the country and have a wide range of knowledge, there are also retired government clerks, big-headed soldiers, and people who are lucky on the road, in short,
meritocracy
The people behind the bank can do business all over the world, so they are naturally powerful, and they revealed their capital in time from the beginning, so of course no one dares to find them unhappy.
Chen Wuchang scanned the room carefully. Finally, a young man sitting in the corner bravely met his gaze.
"What? Do you have something to say?" Chen Wuchang said
"Yes, Boss Chen." The man stood up without being humble or overbearing, "Boss, my name is Huang Hui. I am an apprentice with Mr. Wu, the accountant, and I have just entered the industry."
"What do you know, an apprentice?" Someone immediately started to attack, but before anyone could respond, Chen Wuchang glared at the man so hard that he was too scared to speak.
At this time, Mr. Wu said slowly: "Boss, although Xiao Huang is young and has just entered the industry, he has good understanding, good memory and careful thinking. He is already very good at accounting now."
"Yes." Chen Wuchang nodded and said loudly: "I'll say it again! What we talk about in Sihai Bank is ability! I don't care what your origin and background are. If you have ability, you are the uncle! If you have no ability, you are the grandson! Have you forgotten?
?I am old
When Chen brought you together, he said something first. If you have the ability, I will promise you wealth. But if you don't have the ability, then three months later... hum! So, from now on, whoever dares to rely on his old age and sell his old age, don't blame me for being rude. I heard you.
No!"
"I heard it!" Everyone's voice was in unison.
Seeing Chen Wuchang defending himself in this way, Huang Hui was very moved and almost shed tears.
Chen Wuchang also said gently: "Xiao Huang, if you want anything, just say it directly. Don't be afraid."
"Yes." Huang Hui became bolder now, "Boss, seniors, although Xiao Huang and I are young and short-sighted, I lived a hard life when I was a child, and I know how to tear down the east wall to make up for the west wall, but our ticket number
, but it is different. Since we have to make all the money in the world roll around in order to make profits, then of course the money that so many wealthy businessmen have in our bank account should be rolled over. These days, when I do the accounting
At that time, we discovered that although we had saved 700,000 yuan, our daily income and expenditure were not offset by the daily expenditure. In fact, we only needed less than 8,000 yuan to cover the expenses. Even to be on the safe side, we prepared 10,000 yuan a day and 300,000 yuan a month.
That's enough, so we have at least 400,000 yuan in hand that hasn't been touched. According to Chen Tou, since we didn't use that money to make money, it means we lost money, right?"
In fact, although Huang Hui's theory sounds simple and easy to understand, in fact, it is the concept of time value of money and deposit reserves, which are important theories of later generations of finance. Of course, in this era, there is no systematic finance.
, but these people, relying on their own practice and feelings, can also conclude this truth, which shows that the ancients should not be underestimated.
"Okay!" Chen Wuchang clapped his hands, "Xiao Huang, you are indeed good! These words are exactly what I want to say. Su Quan, now you know why your Dunhuang is only unsatisfactory?"
Su Quan nodded silently and gave Huang Hui a complicated look.
Chen Wuchang asked again: "Xiao Huang, what do you think would be a better use of our rich money?"
"As long as we can make money, no matter what he does?" Xiao Huang said, "These are your original words. Xiao Huang will keep it in mind. Four hundred thousand dollars is actually a lot. It is enough to do big business. Wherever we can make money, we will
You can go anywhere, why do you have to deal with money?"