People all think that their lives are 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 is 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 only because of the relationship with the boss, but also because of their 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

A bank that has been working for more than ten years is 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 get the money, there are not so many procedures, and you can also go out in other cities, you just need to pay a small handling fee.

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

About a dozen taels of silver or a few hundred taels of silver, the amount is hard to tell, but these big businessmen can easily get it in the millions. Calculated in one year, it is equivalent to doing another business. Their

My mind is very quick, and I immediately saw the benefits. As long as I had liquid funds in my hand, I basically went to the bank of Cao's Trading Company, which saved safety, convenience, and in short, my own future.

We can't do anything to kill everyone. After three months, there will be only 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 have traditional inherent strength. If you bump into them, you may not get any benefits, 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 be transferred to other industries. 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. Qian Xi has always been opened by rich people. How can Qian Xi open the door for you if you have money? How can ordinary people have money to save when they can't even eat?

This view sounds right. But if one person doesn't have it, it doesn't mean that ten people don't have it. As long as one of the ten people has spare money, then 400,000 people out of four million people have spare money. When all of these are gathered together,

The quantity is not small. As long as it is done properly, it is profitable. Of course, the 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 also 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 to understand the basic idea. 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 point of view. We can only start with the aspect that the Cao family business is good at. This is the economy. Cao Cao

The economic control capabilities of domestic commercial banks are already very strong, but they really have not yet mastered all the resources in an 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 were new terms. He felt that these terms were much better 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, which 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 cities. It does not necessarily have to be its own.

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

Li has never considered this issue, but not in such detail. He believes 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.

brands, and the remaining 50% of people, if you ask them Caojia Commercial Bank, they may not even know what they are. 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, Old Wu used a lot of things that Li Cong had given him before. For example, asking old customers to bring new customers to participate in bank activities. Before this kind of thing, Old Wu Gen 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 kind of business has also extended into 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.

In addition, 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, and many businessmen have cooperated with them and gained 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: it takes longer to approve a loan after you become a member.

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 differentiated. However, Cao's Firm makes this distinction by allowing members to process a process a little faster, and for non-members, the time difference is a little different. This differentiates the difference.

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 that 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 and you can become a senior member. Now you have to wait maybe a month.

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

Now in some counties and cities, being a member of Cao's Commercial Bank is already a status symbol, because each level of membership has its own regulations. For example, there are three levels of membership, with various levels.

Such 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 considered among the cities.

The middle class can all 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 deposit

You must have 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 of silver, then you will be a member of vip2.

You can then go up to negotiate business, and a dedicated manager will come to receive you every time. This 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!