Chapter 93: The Opening of Datang Money Village (Part I)
After visiting Cheng Yanjin, Li Junxian spent about half a month constantly visiting various nobles and obtained a large amount of investment and deposits. And Mrs. Cui also kept writing letters to those big families, and the investments of the big families kept entering Li Junxian's "account". And after raising this money, the money bank can also be opened.
Li Junxian asked Dugu Yiren to lead some personnel to open a low-key business in a relatively secluded place in Chang'an City. At present, it is only opened in Chang'an, which is considered a trial operation. If Chang'an is doing well, then you can not only go to Datang to open a branch in the future, but also open a branch of Qianzhuang. The name of this money bank was personally nominated by Li Shimin as "Datang Money Village", and these words were carved into a plaque and hung on the top of the money bank.
And the opening of the money bank is very simple, just to find an office location. The financial industry is easy to say, complicated and complicated. Complexity is complicated by the fact that the relevant personnel must be good at calculation, can calculate more than others, and have capital. And simple is simple to re-operate the place is easy, do not need to be like reselling goods, to worry about the quality of the goods, to worry about the storage of the goods, but also to worry about the shelf life of the goods. And the money bank does not have to worry at all, in fact, the financial industry has things that are bought and sold short, in fact, it is just capital operation. As long as there is cash, and then there is a so-called business premises, then you can open a business in the financial industry at any time.
"Hey, why don't you have any customers? Usually I run the Dugu family's industry, and it is full of customers! Dugu Yiren said.
But Li Junxian was still unhurried and said: "What's the hurry! Now that our money bank is an emerging industry, it is normal for people to be distrustful and unfamiliar. You think that the industries of your Dugu family have been in business for a while, and they are all mature industries, so many people come to consume! Our money bank is a completely new industry, and many people don't trust it. ”
"But when will one come?" Dugu Yiren said with a headache.
"Did you hire someone to tell those merchants in Chang'an City about the business scope of our bank?" Li Junxian asked.
"I have already sent someone to send a copy of the information of our money bank to the major merchants in Chang'an City, and asked them to come to us to borrow money." Dugu Yiren said.
"Don't say it so ugly, it's called a loan!" Li Junxian corrected.
"You're not taking off your pants and farting?" Dugu Yiren also retorted.
Not long after, a fat-headed and big-eared guy came and walked into the bank.
"Is this Datang Qianzhuang?"
"Oh, sir, do you have anything to serve? For the sake of you being our first customer, I came to receive you personally. Li Junxian said.
"Oh, you are Li Junxian, the Duke of Wuguo?" The guy said in surprise.
"That's right, it's down!" Li Junxian said admittedly.
That guy didn't expect that the famous Tang Dynasty general, Li Junxian, the Duke of Wuguo, would actually come to be an employee of Qianzhuang and serve him in person. That guy was also excited, if this matter spread, then give himself a long face! Wu Guogong personally came to serve him, and then there was a blow.
"Wu Guogong, you're saluting!"
"Slowly, slowly, you don't have to salute, now I'm just a service staff in the money bank, I should give you a salute!" For us, customers are like emperors, and we should treat them with the same respect as emperors! Li Junxian said.
"Hey, this service attitude is good! I'll go back and let my shopkeepers study. You can be like this for a countryman, why do those boys look like uncles! The guy said.
"Wu Guogong, who is under one million dollars, is the owner of Deyue Building, the largest restaurant in Chang'an City. I heard that there is a loan service here, so I want to come here to borrow money. I've been strapped for money lately, but I want to build an extra building, so I'm here to borrow money. Jin Million said.
"It's not a loan, it's a loan!" Li Junxian corrected.
"It's all the same, it's all the same!" Jin Million said.
"Boss Jin, how much do you want to borrow?" Li Junxian asked.
"A thousand kan, how's that?" Jin Million said.
"No problem, what are you going to do with it? According to our rules, we have to know what we are borrowing for. If the purpose of the loan is stated, we will not borrow. In addition, if a large amount of money is misappropriated for other purposes, we have the right to recover the loan in advance, you know! Li Junxian asked.
"No problem, I'm just building a new building to serve more customers. Now that we have reached the peak of our Deyue Building, we are going to open a restaurant in Luoyang, so that we can continue to make money! "Golden Million didn't hide it either.
"Congratulations to Boss Jin for his prosperous career and hard work!" Li Junxian also congratulated.
Li Junxian filled out all the relevant documents for this golden million, in duplicate, and gave a copy of the golden million. After Jin Million signed, Li Junxian asked Jin Million to wait here.
"Boss Golden Million, we have to send someone to find out about your credit problems. The so-called credit problem, that is, whether you usually borrow money from others, whether you have repaid it in time, and your usual quality problems in dealing with people. If you are qualified, we can issue you a loan, after all, we are afraid that we will not be able to collect it back by then! Li Junxian did not shy away from saying at all.
In fact, the so-called reputation investigation is more to investigate the profitability of those businessmen. If the profitability is not good, then the bank will not issue loans. Later generations of banks like to lend to those enterprises with good profitability, and those enterprises that encounter crises are often urged by the bank to repay, which is also the bank's behavior of seeking good fortune and avoiding evil. Of course, Li Junxian knows this, so he has to investigate the profitability of the lender before taking out a loan. If he was in a state of loss, Li Junxian would not have taken out a loan at all.
"Okay, who doesn't know the credibility of my golden million in Chang'an City." Jin Million said confidently.
It didn't take long for the investigators to come back, indicating that the credit of the Golden Million was still very good and the loan could be issued.
"Boss Golden Million, this is a voucher worth a thousand yuan, you can go to the back treasury to withdraw a thousand yuan."
"Okay, Wu Guogong, you are really a businessman! I hope you will be able to guide the guidance below. ”
"Thanks for the compliments! Let's talk to each other later. I won't be far away! ”
"Okay, I'll come back next time!"
In this way, a loan business was negotiated.
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