Everyone thinks that their life is hopeless, and somehow they got such a good start. Of course they are happy, and they will work harder in the future, at least harder than where they were before. Most of the guys

It used to be five taels of silver a month, but now it has been doubled to them. They never dreamed that such a thing would happen. Some of the customers they lost before were very familiar to them, not just because of the relationship with the boss.

, after working under the boss for so many years, they know these customers well, and it is very easy to win these customers back.

From one piece of data, we can see how right Li Cong was in doing this. During this process, his bank had only about less than two hundred customers. Although they were all big customers, the number was still a bit small. Compared with those

The bank that has been working for more than ten years is simply incomparable. Now the number of customers has more than doubled in just half a year. This is the first time for many people to hear about such a bank, but this does not prevent them from directly

To cooperate, they all tried to withdraw some of their money from other banks and deposit it into Cao's Bank's bank account. To their surprise, they were not charged any custody fees. In the meantime, they wanted to save money.

It is very easy to withdraw this money, and there are not so many procedures. It can also be withdrawn in other cities, and you only need to pay a small handling fee.

Many merchants have calculated this account. In other banks, if money needs to be exchanged between two counties, at least 5% of the handling fee must be provided, but here it is only 2%, which is less than before.

About half. If it is only tens of taels of silver or hundreds of taels of silver, this amount cannot be seen. But these big businessmen often make millions. If it is calculated in one year, it is equivalent to doing another business. They

My brain is very fast, and I immediately saw the benefits. As long as I have liquid funds in my hands, I basically go to the bank of Cao's Trading Company, for safety, convenience, and in short, for my own future.

.

We can't do anything to kill them all. After three months, there will only be one or two large banks left in this city. These either have bureaucratic backgrounds as their background, or they are century-old shops. Li will never do this.

It is easy to bump into them, because they belong to the traditional inherent strength, and you may not get any benefits if you bump into them, so just keep them and let the market slowly eliminate them, regardless of your management or business model

They are much better than these people. They can imitate themselves if they want, but in terms of innovation, they have no way to imitate because they don’t want to innovate. The money they make every month now is a fraction of what they used to make.

No, they will soon find other industries to work in. This is also a common problem with these bureaucracies.

The word "small profits but quick turnover" has never appeared in the minds of these people. What they want to make is huge profits, because in addition to collecting the money themselves, they also have to pay part of their filial piety to the officials above. That's it.

Part of filial piety represents the majority of their profits, so they will not do business like Li Cong. At this time, some civilian businesses were launched in a timely manner, and the people had a lot of money, although this person only had one

The person with two pieces of silver may only have five pieces of silver, but as long as more people gather, it is still a large amount of money. There are about five to six million people in a county, and nearly four million of them are poor.

The business of millions of people. To develop their business, they can only open a gap from these four million people. The money accumulated in the hands of these poor people is also very considerable.

Li Cong's approach broke another rule. Qianxi has always been opened for rich people. Why would Qianxi open to you if you have money? How can ordinary people have money to save when they can't even eat?

It sounds right to go to the bank. But if one person doesn't have it, it doesn't mean that ten people don't have it. As long as one person among ten people has spare money, then 400,000 people out of four million people have spare money. All of these are gathered together

, the quantity is not small. As long as it is done properly, it is profitable. Of course, profit is secondary when doing business with these civilians, and reputation is the main thing. If one person says that your money is good, it is not considered good.

, but if 10 people say that it is really good, the whole county will say that you are the best bank in this county.

Li Cong is doing this kind of business. Making money from the rich is just to gain reputation among the poor. If it develops like this, his own bank will be very good, and other banks will be unable to do anything, and the others will all want to follow.

You learn, but they all have their own difficulties, so the imitation stopped. In the end, there is only one fate waiting for them, that is, the fate of being acquired. After watching this for half a year, Wu Zuoxi basically understood that Li Cong

He has helped Li Cong formulate a more detailed plan. He is not well-informed on these far-sighted matters, but on some detailed issues, the three Li Cong are not as good as one Wu Zuoxi.

This plan is very huge and very detailed. It took Li Cong two days of thinking to get a basic understanding of it. This plan is really too big. If he does it by himself, he doesn’t know how long it will take until the Year of the Monkey.

That is what people like Wu Zuoxi can do. He was the prime minister of the Western Empire, and he was a member of the Ministry of Household Affairs of the Western Empire before. He is very knowledgeable about things like people's livelihood. In the past, the Western Empire

The emperor basically ignored this talent. Now that Li Congke has dug out this old guy's head, he seems to have found his own world, just like a fish entering the sea, fearing that the sea is not enough.

Broad, he swam to the end quickly. Fortunately, the sea Li Cong gave him was very broad. Is it still too early for him to swim to the end?

The entire plan can be said to be divided into three parts: politics, military and economics. Now there is no way to start from the political side. We can only start with the aspect that the Cao family business is good at, which is the economy.

Cao's Commercial Bank's economic control ability is already very strong, but it really does not have all the resources in one industry. For example, the banking industry is also called the financial industry. Wu Zuoxi can already understand the meaning of these new terms.

, so most of his report contained some new terms. He felt that these terms were much easier to say than the ones he originally wanted to understand. The development of the banking industry cannot be separated from the support of huge funds. This is a very important

aspect.

Therefore, the first point of the plan he laid out in Li Cong is to ask Li Cong to prepare a large amount of cash. The bank must have a large amount of reserves to quickly expand its business. Without this money, it will just be a bank run.

It can already bankrupt your bank. Now the standard configuration of Cao's Commercial Bank is that there are three to five banks in a city in the theme city, one in several surrounding counties, and there will also be one in these economically developed towns.

One, Wu Zuoxi believes that this scale is not enough. It must be expanded to at least ten in cities, two in counties, and three in some relatively economically developed areas. There must be an agency in towns and villages, not necessarily one by one.

To run a business, you must have your own business.

Li has never considered this issue, but not in such detail. He thinks that his current development is already very huge. However, after Wu Zuoxi's analysis, he feels that his previous pace is still a bit conservative. 80% of people know that

Only with your own brand will 40% of people come to your bank to deposit money. This is what Wu Zuoxi said to Li Tong. Now it seems that this is very correct. At most, he can only let 50% of people know about him.

brand, and the remaining 50% of people, if you ask Caojia Commercial Bank’s Qianzhuang, he may not even know what it is. In the past, these people were ignored, and now we have to start over and pick them up and become

Let them promote your bank to your own customers. This is the first economic aspect. To expand your business, you must start with people you are not familiar with, because the people you are familiar with have already been eaten up by you.

In this process, Lao Wu used a lot of things that Li Cong had given him before. For example, he asked old customers to bring new customers and participate in bank activities. Before this kind of thing, Lao Wu never thought that business could still be like this.

Do it, of course. In the past, even if he understood the economic aspects, he was still a government official. It was impossible to really think about the problem from the perspective of a businessman. But now he found that these methods are really very feasible, such as

Let's say that an old customer can bring a new customer, and this new customer can bring two taels of silver to the old customer. Although it is not a lot, for ordinary people, this money is already a lot. If this new customer

If you can save a sum of money here, old customers can get a benefit from it. It's not a lot, but you can add up to a lot. If you introduce ten customers, if this person can get a mortgage loan from our store,

If you meet all the requirements of the bank, then 1% of the loan interest is yours.

New customers go back to develop new customers. It's like a tree. The trunk develops branches, and the branches develop branches. In fact, these things were nothing in the society that Li Cong came into contact with before. They were the most normal.

His marketing methods, no one on this planet knows these methods, will feel very happy about this kind of thing.

You don’t have to do anything, you just need to introduce someone, so that at the end of the month, you can just wait at home to collect the money. This behavior has also extended to an industry, which is what later generations will call the introducer industry.

Slowly it developed into a tool. They did nothing every day. All they had to do was to develop these new customers. They would get a commission for each new customer they developed. There was not much in this industry at the beginning.

Do people recognize it? After all, the status of businessmen in this society is not very high. What they do is what businessmen do. No one recognizes the empty-handed thing. But these people use the empty-handed method to make money.

They have more money than those who work hard. When they have money, they will be recognized by this society.

Also, Wu Zuoxi has actively developed some membership systems. It is necessary for big customers to become members. These big customers must also feel that they are different from others. If ordinary people want to save face, a small amount of money is enough, but

If these rich people want to save face, they need to think a lot. For example, when they walk into your bank, there will be several clerks coming to greet them immediately. They cannot do business with the ordinary people below. They need to go there.

Go to the better VIP rooms above, and there will be dedicated people to do some business handovers for them. Even when you are not free, my people can come to your home to do business with great fanfare. The Cao Family Firm is now a big business.

They have become powerful. Many businessmen cooperate with them and gain a lot of benefits. It is also very beneficial for you to let others know that you are cooperating with them.

How many people want this face? They obviously have time to go to the bank to do it, but they don't do it. They are all taking advantage of this. For example, when these important customers negotiate with themselves, they will have better conditions.

A full-time manager comes to talk to them about some funding or loan matters, which will make their partners feel very powerful, which will make their cooperation faster. Of course, these are some smart people.

Cao's Commercial Bank will also fully cooperate with everything we do. If our customers are doing well and making more money, they will still keep the money for themselves. There are also some privileges: after you become a member, the loan approval time is longer than

Others may take a day or two less, but to put it bluntly, the matter is the same, the approval process is the same, and the time it takes is the same.

In fact, the treatment of members and non-members should be distinguished, but in order to distinguish this matter, Caojia Commercial Bank makes the processing time a little faster for members, and the time difference is a little bit different for people who are not members. This differentiates the high and low.

But people who are not members definitely want to become members, because for businessmen, a lot of things may change in one day. In these few days, they may make a lot less money, or they may make a lot more money. At this time

It is not so easy to become a member. It is different from the beginning. At the beginning, you handed in your ID card and proved that you have the ability to become a senior member. Now you have to wait for maybe a month.

Just release one or two, and this will grow over time, and members will also have value!

Now in some counties and cities, being a member of the Cao Family Commercial Bank is already a status symbol, because each level of membership has its own regulations. For example, the membership level is divided into three levels, various

The various privileges are also different. The first level is VIP level, which is a little better than half of the common people. The amount of funds ranges from 100 taels to 10,000 taels. These are all considered urban.

The middle class among them can enter the VIP office when handling business on the first floor. They are also very beautiful in front of the common people. Thinking about the eyes of the common people outside, they are very good. Of course, your fixed

The deposit must be this amount. It changes every three months. If your deposit does not have that much within three months, your membership will be gone. If it exceeds 10,000 taels, then you will be a member of vip2.

, you can go up there to negotiate business, and a dedicated manager will come to receive you every time, which makes those guys on the first floor even more envious, but it is just a matter of form.

VIP2 deals with people who have between 10,000 and 100,000 taels of silver. They can be a little more relaxed in terms of loans. For example, if your credit is good, you can get more loans, but mortgages are still necessary.
Chapter completed!