Chapter 188: The Importance of Operations Management

Chen Cao was completely fine, and in order to celebrate his body's return to normal, he also specially pressed Li Xiang down on the table in broad daylight and rubbed it vigorously.

"Daddy, I still want to catch fish in the river..."

Chen Cao's eldest son, Chen Bohao, and his eldest son, Chen Boxuan, are four years old and three and a half years old, and they are next to Chen Cao at the moment, asking Chen Cao to take them down to the river to catch fish.

But in the winter, who can go down the river?

The last time Chen Boxuan took his maid to the river without permission and got a cold, and after he got better, he was beaten, and so far, no matter whether the maid or the nurse in the family, he didn't care about taking the two little masters down the river again.

"No," Chen Cao shook his head: "How can my Chen Cao's son do the job of going down to the river to catch fish?" How about taking you to see the war in the future? ”

Chen Bohao's happy little body jumped straight in the air: "Okay... My mother often said that my father went to war, and I wanted to see it too. ”

"Daddy, I'm going too." Chen Boxuan followed closely.

Chen Cao nodded: "No problem, take the two of you with me in the future, and you two brothers will take good care of your younger brothers and sisters in the future." ”

"Okay...", the two replied in unison.

Just when Chen Cao was still trying to train the two boys to become war masters, the maid came behind Chen Cao: "Master Hou, there are people outside the mansion who ask to see you." ”

.

"You're getting better and better..."

Chen Cao sat on the chair in the study, Shen Zhuangling knelt in front of him, watching her swallow the yellow and white thing, Chen Cao nodded with satisfaction: "Why don't you live at home." ”

Shen Zhuangling swallowed, and then took care of Chen Cao: "The concubine is worried that her wife is unhappy, it is good to live outside, and the concubine can still be with her daughter." ”

"Your daughter is also older, when will you find her an in-law?"

"Don't worry, she's only fifteen years old, and Master Hou often says that eighteen is in good health..."

Chen Cao laughed, and after buttoning his belt, he got serious: "I took a cursory look at the account book just now, the credit business is the highlight of our development, and after Nanzhili is revitalized, the next step is to open the branch to other places in my Daming." ”

"Most of the merchants' deposits are in our bank, because there is a noble name there, now even Liu Kongzhao does not dare to come to the bad thing, the last time he sent someone to run on us, he was reprimanded by the grandfather of Wei afterwards, I heard that he also had the idea of wanting to join."

Chen Cao had injuries on his body, and he didn't dare to let Shen Zhuangling massage his shoulder, so he asked her to press her head to relieve the pressure.

"Well, if he really wants to join, it's a good thing, his sincerity is abundant, and with his shares, the entire Nanzhili will be our territory in the future, and then take Nanzhili as a starting point and spread to the territory of the entire Ming Dynasty."

"What is Master Hou going to do next?"

Chen Cao opened his eyes: "The branch should be opened in Beizhili first, and it will be piloted in the capital first. ”

Chen Cao said and pointed to the map on the table: "Beizhili will first pilot in the capital, and the southeast coast, it will go to Zhejiang, by the way, prepare enough gold, silver and manpower, I will open a branch in Shanghai County, and prepare food and everything for me, it must be enough, at least one million stones." ”

"So much?"

This is actually not much, the reason why Chen Cao needs so much money and food, the main thing is to buy those poor people and local fishermen in Shanghai County.

"Not much... This is all less, if the financial resources are strong, at least three million stones are needed;

By the way, how is our trade with Annan? ”

Shen Zhuangling gently massaged Chen Cao's head, and said: "Annan is now infighting, I heard that it has been divided into four imperial courts, and the export of grain is not as good as before.

Most of these grains were sold to grain merchants in the southeast according to the orders of Lord Hou, and then there were grain merchants in Beizhili, and the profits in the past few years were still okay. ”

"The Shanghai county I want to build, as long as it is successful, it will be a trivial matter to make money every day in the future, and I will earn at least 30 million taels of trade with the Taixi countries every year."

Shen Zhuangling suddenly panicked: "This... So much? ”

"That is, otherwise the emperor would not have specially opened an official for me as the governor of Songjiang, and he would also be in charge of the affairs of Shanghai County." Chen Cao said and said: "The affairs of the bank are now almost operational, the daily operation will be handed over to your people, my focus today is on the grain trade and the trade of iron and firearms, the Portuguese on the other side of the border and the Dutch East India Company (Hongyi Kingdom) that occupy Taiwan, that is, Dayuan Island, have a lot of hatred, you send someone to contact the two factions, it means that in July next year, Kaifu in Shanghai County, we must let them know that Shanghai is more convenient than Quanzhou and Ningbo, and there is a lot of money... ”

Shen Zhuangling was afraid that she would forget, so she stopped what she was doing and hurriedly wrote down what Chen Cao said with a pen.

"Also, within the bank, we must vigorously support those who work quickly, even if they are upgraded to become a shopkeeper, you must know that I Chen Cao employs people who are competent and reliable, and the salary should be increased."

Speaking of this, Shen Zhuangling raised her head immediately: "Master Hou, we don't give low, those powerful Hui businessmen and Zhejiang businessmen, the monthly money of ordinary guys is only one or two silver, this is a big deal." ”

Chen Cao couldn't help but knock Shen Zhuangling's head: "You still don't believe that your Shen family is limited to this, your ancestor Shen Wansan was very bold in doing business back then;

Under the high-salary system, let those people know that working in the industry under my Chen Cao's name can not only make money, but also become rich. ”

Shen Zhuangling didn't know what Chen Cao was going to do, so he said: "Master Hou also needs to know that our daily expenses are also very high, and the army is still supported by Master Hou." ”

"Don't interject, you bastard, listen carefully,"

Shen Zhuangling seemed to like Chen Cao scolding her very much.

"Ordinary guys have raised their salaries since the beginning of the year, directly to two taels of silver per month, and secondly, the monthly salary of first-class guys is three taels and five dollars; Stewards at all levels increased their original monthly money by one tael; The monthly money base of the shopkeeper at all levels should be set to ten taels, and the money will rise in turn according to the different levels; ”

While Shen Zhuangling was surprised, Chen Cao continued: "Write it down, whether it is a shopkeeper or an ordinary employee, the amount of the year-end bonus will be determined according to the amount of work in a year." ”

"Year-end bonus?" Shen Zhuangling once again refreshed her knowledge.

"It is to send them money again, the amount of the year-end bonus According to the employee's performance this year, if a guy adds 100,000 taels of credit business to the bank this year, then the year-end bonus can take 10% of the 100,000 taels."

Shen Zhuangling conscientiously studied Taixi's arithmetic at the request of Chen Cao: "One hundred taels, Hou Ye..."

What is the concept of one hundred taels?

Ordinary people can't earn a hundred taels of land for a lifetime, and this is only within the scope of Chen Cao's operation and management.

Chen Cao nodded calmly: "Every guy should know this year-end bonus, and stimulate them to handle the credit business well, so that it will not only generate income for us, but also allow them to increase their income." ”

Shen Zhuangling was a businessman after all, and immediately remembered the malicious run in the past: "Master Hou, what if those guys maliciously lend money for the year-end bonus and lend money to those people who can't afford to pay it back?" ”

This question is a good question, in Chen Cao's world, credit card companies are racking their brains to release cards, and those who can't afford to pay back are overdue by more than a billion yuan every year.

"Simple..."Chen Cao took a sip of tea: "Every month, there must be an internal review mechanism of our bank, that is to say, if a guy does not lend in strict accordance with the lending standards formulated by the bank, but if it involves the people who cannot afford to repay or do not repay it within the time limit, this guy bears joint and several liability, the first time the monthly money is deducted, the second time there is a warning, if this situation occurs for the third time, then the only way to go to prison is to seize the yamen;

My Chen Cao's money is not so easy to earn, and this is only a temporary solution, and when there is a chance in the future, this credit business is directly incorporated into my Ming law, with the constraints of national laws, the people under his hands have to think of the consequences of negative effects while making money, even if such things rarely occur at that time, they can effectively control the size of our losses;

After careful liquidation, we have earned more than we have lost; Under the integration of rewards and punishments, the business will be carried out quickly, which is collectively referred to as the operation management model, can you remember clearly? ”

Shen Zhuangling's book is full of two large articles: "I wrote it down, but Master Hou, is there a minimum requirement?" ”

"Yes," Chen Cao knocked on the table: "Naturally, you won't want to do things with a high salary, each guy will check the performance once a quarter, that is, once every three months, and the warning for ordinary guys is less than twenty taels to deduct money, if it appears three times in four quarters a year, then it will be fired directly;

The first-class guy shall not be less than fifty taels, and according to the previous practice, if the lowest value appears three times in a row, he will be expelled directly. ”

"So the guy is going fast, huh?"

Chen Caoha smiled: "Such a high salary, looking at the entire Ming Dynasty, this is the only one, there are many people who are willing to make money, and I am going to open an economics subject in the college, all of them are untouchables, and after completing their studies, they are directly dispatched as bank employees, their parents are in the army or working in workshops, do you think they will give up such a good opportunity after being poor for more than two hundred years?" ”

"Concubine understands, this is the butterfly effect..."

"Hahaha..."Chen Cao touched Shen Zhuangling's face: "You learn quite quickly, you often go to the academy to listen to lectures, right?" ”