Chapter 147 If the bank wants to develop good advertising, Quan Xu is not short of manpower, he recruits the human resources he needs in the Daimyo Mansion and Henan, even if it is an excellent craftsman.However, he lacked good soldiers, as well as soldiers who fought well.Taking the Wuqiao Mutiny as an example, eight or nine thousand Dongjiang troops under the command of Kong Youde, Li Jiucheng, and Geng Zhongming resisted for one year and four months under the siege of more than 100,000 Ming troops.It can be seen how strong the fighting power of the officers and men of the Dongjiang Army, with the people of Liaodong as the main body, is so strong.In fact, Quan Xu is very fond of the people of Liaodong and the soldiers of the Dongjiang Army.First of all, these people are very adaptable to fighting in cold climates, are familiar with the geographical environment of the Northeast, and have an unforgettable hatred with Houjin, not to mention, their combat effectiveness is strong.It's just that if the Dongjiang Army and Quan Xu cooperate, the strength of the two sides is not equal at present.Quan Xu also thought that Mao Chenglu was not a person who could call the shots, and he needed to contact Mao Wenlong, and in this case, he and Chen Ying arrived at Quan's Bank in the Daimyo Mansion.This is the second reinforced concrete building in the history of the Ming Dynasty, of course, it is far less large than the castle that Quanxu set in the whole building.It is a building that covers an area of more than 2,000 square meters, and is as tall as a three-story building.In later generations, such buildings were very inconspicuous, not to mention big cities, even small towns and villages can be seen everywhere.However, this bank building with 16 frontages is a very prominent landmark in the Daimyo's Mansion.The exterior walls of the entire building are pasted with custom-made tiles produced by Cizhou kiln, which are as white as snow, and each piece can be used as a mirror.The whole façade of the street, decorated with brown glass, is inlaid with six gilded characters of Daming Quan's Bank, sixteen façade houses, and a hall of nearly 1,600 square meters, which is very spectacular.The single-storey building of more than four and a half meters has a silver-plated chandelier hanging on the ceiling, like a blooming lotus flower, with silver light flowing and dazzling.The floor is made of terrazzo marble, and a fireplace is installed inside, so that even if it is cold, it is warm inside, warmer than hiding in the kang.This is a true bank of the whole family.Three months ago, the entire Daimyo Prefecture and even the entire Daimyo Prefecture knew that there was a bank here, and the biggest difference between the bank and the money bank was that it did not collect deposits for depositing money, and it could also get interest.Moreover, if you are short of money and the surrounding area is inconvenient, you can also borrow money from here, and the interest rate is quite low, which is much fairer than looking for a landlord or looking for a donkey rolling in an underground bank.When Quan Xu came to Quan's Bank, he looked at dozens of tall women in white clothes and Shengxue, all of whom were wearing high heels, and of course their chests were quite spectacular.Da Ming is beautiful with poor milk and petite and exquisite, mainly because Da Ming has always been weak in foreign wars, and they men need to find a sense of presence in women.This is Chen Ying's handwriting, and his alternative fetishes.These women are generally about 1.6 meters tall, and such women belonged to the ranks of those who were worried about marrying in the Ming Dynasty.Chen Ying's Cao family searched for Chen Ying for a long time from Gansu, Shanxi, Hebei, and Beizhili, almost one in a hundred, and found more than 100 women.After a simple training, start to go to work.No matter which customer arrives, they all have a professional smile on their face."
Welcome!"
Under the guidance of the welcome lady, Quan Xu came to the booth area of the hall, where there are many sofas and coffee tables, of course, these sofas are from the Quan's craftsman workshop, no springs, wrapped in sheepskin or cowhide.Similar to the banks of later generations, there are ordinary areas and VIP areas here.On the coffee table are fine white porcelain teapots, as well as valuable tea leaves.As for the VIP area, there are glass teapots, coffee, milkshakes, and some cheap sweets.The bank's clerk didn't know Quan Xu, but she knew Chen Ying, and when she saw Chen Ying bring Quan Xu over, she knew that Quan Xu belonged to a super VIP customer.The salesman led Jeon Wook to attack the location of the window on the second floor, through which he could see the scene on the street."
Hello Childe, we have free coffee, black tea, and green tea here, I don't know, what do you like to drink?"
Quan Xu deliberately pretended not to understand: "Can you recommend it for me?"
”"Of course, I suggest you try coffee, I heard that this is the favorite thing of Westerners red-haired ghosts, and it is much more expensive than our tea!""
Then try the coffee!"
Soon, another waiter held a steaming cup of coffee and put it in front of Quan Xu, and his body was slightly blessed: "Childe, please use it slowly!"
”Quan Xu picked up his coffee and took a sip.The salesman introduced to Quan Xu in detail: "The business philosophy of Quan's Bank is to benefit the people, the bank will adhere to this purpose, whether the son is here to deposit money or loans, try to let the son profit from it......"
The salesman's speech is clear, speaking with emotion, fluent, and easy to understand, at least through her speech, Quan Xu understands, saving money here is divided into fixed period and current period, the current interest rate is one percent, easy to use, five thousand taels or less, can be withdrawn at any time.For more than 5,000 taels, you need to make an appointment in advance.The interest rate for a fixed period is 3%.The salesman continued: "The interest on the loan here is two cents, and the deposit loan has a time limit, and the longer the time, the more interest or interest rate.To put it simply, if they save ten taels of silver here, if they save for a fixed period of one year, they can get thirty wen every month, and after a year, they will have almost three dollars and six cents of silver, and if they save for three years, they can get more than one or two interest. ”Jeon Wook listened, with a faint smile on his face.The bank is still the same bank, although the idea was proposed by Quan Xu, but, like the banks of later generations, the words are all good to hear.If they borrowed ten taels of silver here, they would be more unlucky, and the interest per month would be two hundred yuan, and in one year it would reach two taels of silver, and three years it would be seven taels of silver, which means that after three years they would have to pay back seventeen taels of silver.Still, it's pretty good.If the people borrow ten taels of silver from the landlord's house or the money bank, and then pay it back after three years?
I can't afford to tear down all your bones and sell them!
The waiter looked at Quan Xu and said, "I don't know how much silver Gongzi is going to deposit in our bank?"
”"I want to borrow money to call!"
The waiter was slightly blessed: "Childe, our bank operates in good faith and needs to be pledged, but please rest assured, Childe, we are different from the black-hearted money bank, we will not use any violent means to force debts, if we can't pay it back when due, we will take away the equivalent value of real estate, and we will definitely not ......
Let the son sell his son and daughter to pay off his debts. ”"Alright, get busy with you!"
Chen Ying didn't know when he appeared behind the salesman, waved his hand and said, "Go down!"
”"Yes!"
Chen Ying sat on the sofa, looked at Quan Xu and said, "Master Quan, how do you feel?"
”"So-so!""
So-so?"
Chen Ying's eyes widened, and he said in disbelief: "This is a detailed plan that I came up with after brainstorming and discussing with the shopkeepers for half a month, why is it so-so?"
”"Don't be reluctant to hear this!"
Quan Xu pointed to the bank and said, "Now, our bank has been open for three months, how many deposits have it attracted?"
”Chen Ying smiled proudly: "The total deposit is 160,000 taels, I haven't had time to look at the accounts for a while, it will only be more, definitely not less!"
”"Okay, count you 200,000 taels!"
Quan Xu smiled: "200,000 taels of silver, how much did you loan?"
”"This, a total of less than 100,000 taels!""
I count you 100,000 taels, and the interest for a year is 24,000 taels of silver, and then subtract the interest on the expenditure of 3,600 taels of silver, the gross profit is only 20,000 and 400 taels, how many people are you here, and how much do you spend every year?
There are also family soldiers who are responsible for bank escorts, and their expenses must also be counted, and you can calculate it, how much profit is there?
”"Well, there's not much left!""
Also, if I build a building with 160 carriage spaces and stables for 320 horses, how much profit will I make in a year if I rent out this building?""
This ......"
The smug look on Chen Ying's face disappeared in an instant."
So, there's a lot more you need to do!"
Quan Xu pointed to the bank's signboard and said: "The role of the bank is only one aspect, the more important thing is the remote business, taking advantage of the fact that we are now on the line of Yuan Keli and Yuan Gong, and the branches of Dengzhou and Laizhou will be established immediately.In this way, they deposited 10,000 taels of silver in our Daimyo Mansion, took the bill of exchange, and went directly to Dengzhou to buy goods, and we charged them a hundred taels of handling fees, right?
”"Our bank principal is too small!""
There's no need to rush this!"
Quan Xu said: "Salesmen can't just be in the store, they can go out to pull customers, use some needles and threads, make small profits, flicker, and don't guide the people to come in to make deposits......
In this way, wouldn't our business volume be large?
”Listening to Quan Xu's words, Chen Ying suddenly felt enlightened.He felt that he had lived to a dog all these years, and he was not as knowledgeable as Quan Xu Xiaoxiao."
Master, high, high, high!"
Chen Ying admired Quan Xu's head very much, and the idea he thought of in just a moment was actually more comprehensive than that of him and more than 20 shopkeepers.Quan Xu smiled faintly: "This is only one aspect, we can order a part of the cheap clothes printed with our bank and give them to the people for free, and we can also achieve the effect of advertising!"
”.