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When she returned to her lodgings, Agatha had already returned.

Wang Qinian asked her about the situation at the teacher's place, and it sounded good.

"Teacher Cecilia likes me very much, and there are several senior sisters who are very good to me. Agatha tried her best to restrain herself, but her eyes couldn't help but show excitement.

Wang Qinian smiled and listened to Agatha's story, he was not surprised that Agatha was appreciated by the teacher, although the little girl herself was a little unpredictable, but she was quite smart.

The little girl suddenly walked over, stretched out her two hands, hugged Wang Qinian's waist, and buried her head in his chest.

"Will I be a great magician like my teacher?"

Agatha hugged her tightly, and Wang Qinian couldn't push it away, so she had to let her hug her.

"Of course I will, but not to become a magician like me, but a ** teacher like your current teacher, Cecilia. Wang Qinian encouraged, although he also had confidence in himself, but now there was no way to compare with Cecilia, and it was more appropriate to use her as Agatha's example.

The soft skin rubbed against Wang Qinian's robe, Agatha raised her head, looked at Wang Qinian with wide bright eyes, and said: "Teacher Cecilia is very good, but I still prefer you, teacher, last time without you, I would have died." ”

Wang Qinian's heart was slightly moved, he didn't think deeply about the word like in Xiao Luoli's mouth, he just thought that what Agatha wanted to express meant that although Cecilia was strong, he had been with Agatha for a longer time, and he had saved her.

Xiao Luoli is not a person who forgets her roots, Wang Qinian's heart moved, and she thought that the opportunity was rare, so she tried to talk about the things in the mine that day in front of her.

He reached out and touched Agatha's head, and coughed dryly, "Last time I was in the mine, I used to do some kind of transformation. ”

"Well, I remember. Little Luo Li's expression did not change at all, as if she had no doubts about it at all, "No matter what kind of blood the teacher has, I only know that you saved me at that time." So, I didn't say it to anyone. ”

Wang Qinian suddenly put his mind at ease, if this is the case, the three people present at the time, Burren Galia fainted and did not know, Agatha hid it for herself, and Catherine already had an intimate relationship with her, so she didn't have to worry about any trouble caused by leaking out.

"I'm going to Cecilia's magic tower again tomorrow, and I'll probably have to come back every four or five days. Agatha buried her head in Wang Qinian's body again, rubbing it like a kitten, and made a dream-like sound.

Wang Qinian said with a smile: "If it goes on like this, it seems that I have to work hard, otherwise I will be caught up by you one day." ”

"Oh, by the way, one of my senior sisters, Luna, wants to meet you. Agatha said embarrassedly.

"See me?" Wang Qinian was a little dazed, why did Cecilia's disciple want to see him?

Little Luo Li showed a sly gaze and said, "Because I accidentally said in front of them that those Shadow animations of Solomon Company were made by you, and Sister Luna is the vice president of the Drama Club of the Academy of Magic, and she is very interested in it." ”

"We have followed your instructions and started the storage business. Wosley Road.

This was Wang's second visit to the St. Quentin branch, and the Free City had already met all of his last request, including the initial dispatch of a group of men and some Mithril coinage.

In the area where they were currently reached, a metal fence counter like Franklin's head office had been erected, and several newly transferred bank clerks were busy behind the fence.

"However, it will take some time for the citizens to know about it, and I am afraid that in the short term, it will not be possible to absorb a large amount of reserves like the head office in Liberty City. Wosley was a little worried, which meant that for a considerable period of time, the funds of the St. Quentin branch needed the support of the head office to lend to external sources, and there was no virtuous circle.

Wang Qinian nodded, he understood Worthley's worries, because the St. Quentin City branch was mainly for the transfer of funds to merchants going to Freedom City in the early stage, and there were not enough people, so there was no high-profile absorption, and quite a few citizens did not know that they could get interest by depositing money in St. Quentin City.

"It doesn't matter, since the head office has handed over the branch of St. Quentin to me, they will fully support me, you just need to follow my instructions, and if something goes wrong, I will explain to the Free City. However, as Wang Qinian said, the Free City side will definitely fully support it, not only because of Wang Qinian, but also because of the needs of Franklin Bank.

Although Franklin himself probably didn't think about the bank at all, but Agatha in St. Quentine, if the St. Quentin branch did well, it would definitely be a help to Agatha, and for this alone, the Free City would try to support Wang Qinian, and give him 20% of the rights, plus the full authority to preside over the St. Quentin branch is a very obvious sign.

In addition, there is another point, the free city is the implementation of the Mithril coinage, the Asturian coinage is used as a secondary currency, mainly used in the daily circulation and small transactions of the citizens, but after the currency is exchanged for huàn, the Franklin Bank must have a large amount of Asturian currency in its hands, the largest use of these currencies is to be used by the free city to buy grain and other necessities, although the free city is commercial, but the agriculture is not good, it is necessary to buy a large amount of grain to ensure the supply of the city and the price of food is stable, and the Aturian currency that is accumulated in the hands of the city lord's palace is just used to lend money in the city of San Quentinso as not to affect the Mithril standard in Free City.

"As for the competitors you mentioned last time, they have already begun to appear," Wang Qinian's face became a little solemn, "Then we have to speed up the pace, and sometimes we need to take the initiative." In terms of savings, try to let as many people know that there is interest on depositing money in the St. Quentin branch, well, you can build a sign with interest rates ranging from six months to three years written on it, so that people can see it as soon as they enter the door. There are also businessmen who can take advantage of our relationship, and you can visit them from time to time, so that they not only need to store their funds when they need to do business with Liberty City, but also store their funds here on a regular basis, so that we can increase the capital we can borrow from abroad. ”

"You can also try to get to know more merchants through guò, so that those merchants who do not trade directly with the Free City know about the deposit zài of our branch in Saint-Quentin, now is the time to be more high-profile, and rest assured, since I have come to Saint-Quentin, I will also try to take the opportunity to publicize the deposit and benefits of our branch. ”

Wosley said excitedly: "This is not difficult to do, in fact, they have always planned to save some of their idle funds to us on a regular basis, after all, there is interest." ”

Wang Qinian paced two steps on the ground of the branch, of course he was not too satisfied with this branch, not to mention the personnel, the first environment is far inferior to the head office, but this has no way, can only be temporary, after all, the role of the branch before is actually to wave the function of the "head office in San Quentin", and did not really realize the function of the bank.

Swarly clasped his hands suddenly, wrapped them around his chest, and accompanied Wang Qinian to see inside and out.

"You print a batch of business cards for me ......."

"Business card?" Swalli listened blankly to the new term.

Wang Qinian patted his head and pointed to the bill paper that the bank clerk was using, "You can use this kind of paper to make zuò, make some small cards, but thicker, find someone who writes beautifully, write my name, St. Quentin branch and address on it, well, you can add your name to my name to those potential customers, whether they want to save money or want to borrow money." ”

"I see. Swarly understood that this was also a small propaganda ploy, and couldn't help but laugh.

Wang Qinian continued to think, he tapped his finger on the counter and said, "This is the only way to absorb storage for the time being, after all, I have only just come to St. Quentin City, and you were very low-key according to the orders of the head office before. But when the money goes out, it is necessary to be both active and cautious, this is not like the Free City, in the Free City, the people of the city borrowed the money from the head office, but no one dared not to pay it back, even if it was a foreign businessman, few people dared not to pay it back, unless they did not want to do business in the Free City in the future. But here is different, external loans must also be cautious, we can ask the head office for financial support, but the premise is that we can make profits, if the loan money can not be recovered, we have no way to explain to the head office. ”

Swarly became nervous, rubbing his hands against each other, what Wang Qinian said was what he was most worried about now, before it was just the function of the office, mainly to help businessmen who came and went with the city of freedom, and the biggest trouble was to check the capital account with the head office, but now it is necessary to take out external loans, which may bring results, but it may also be like Wang Qinian said that there will be a large area of bad debts.

"So we have to be cautious, have a mortgage, and select the range of customers in a targeted manner. If you don't have enough collateral, you have to get my consent before you can take out a loan. Wang Qinian emphasized that he will come to the branch once a week to check the relevant accounts, with his and the head office double verification, I believe that the internal risk will be reduced a lot, and the external risk is the focus of control.

"Yes, yes. Swalli nodded, "I think the merchants who have dealings with Liberty City are customers you can rely on, and if they have a need for a loan, we should lend to them." ”

"Yes, they are our first potential loan recipients. In addition to them, I think that the merchants of the exchange, they are faced with a large amount of money exchanges, and it is very likely that there will be a need for loans, and the initiative I just said can find opportunities to talk to them, including the return visits to old customers just mentioned, whether it is the opportunity to absorb savings or lend. As for ordinary citizens, their ability to repay is limited, and they are willing to save money, of course, they are welcome, but if they want to borrow a large amount of money, I am afraid they will not be able to get enough collateral. Wang Qinian analyzed that he focused the Saint-Quentin branch on breaking through in the direction of merchants.

"Mr. Solomon, in fact, the nobles of the city are also very good customers. "But it's hard for me to get into their circle." ”

"Aristocrats, well, yes. Wang agrees that the aristocracy is the largest circle of borrowers, including the royal family, and that the ruined aristocracy needs money to maintain their apparent vanity, and that prosperous families sometimes help merchants or goldsmiths for short-term turnover because of poor turnover, because their lavish lives are often out of the ordinary. There is also war, which, when it breaks out and goes on for a long time, may also make a certain nobleman and his family so bad that they have to borrow money from goldsmiths or merchants who specialize in lending money.

However, the risk of borrowing from the nobles is far greater than that of ordinary merchants, for example, the loan announced by Wang Qinian just now must have a mortgage, which may not work in the aristocracy, and the dilapidated nobles may swallow their ancestors' valuable jewelry or real estate for the sake of money, but the nobles who still hold the power may ignore this set, and the power of the Free City in Saint-Quentin City is very weak, and it is difficult to confront the strong nobles, this is an era when even the king may be in debt.

That's why when Franklin Bank set up a branch, it only performed an incomplete function, unlike a real bank.

"Don't take the initiative to borrow money on the aristocracy side, if a nobleman takes the initiative to ask for a loan, let me deal with it. Wang Qinian felt a little headache, maybe he really needed to find a backer in St. Quentin City, although Viscount Philip could help a little, and he was willing to help, but he was not enough, even if he would soon be promoted to earl, he still couldn't hold it down.

The three wealthy families are strong, but they are definitely not good partners, either they will not look down on a small shrimp like themselves at all, or they may take the opportunity to annex them.

The Marquis of Regina was the most suitable of all the people he knew, and it seemed that at that salon party he had to make him more aware of his own worth.

"From now on, you do a good job of risk control. "Before finding a political backer who can be used, he can only take the initiative to borrow from the nobles, and for the merchants, Wang Qinian tries his best to prevent and control it from the means.

Seeing that Swally was at a loss, he patted his head and explained his "new term" clearly: " It is to ask one of your staff members to be your assistant, responsible for making a file for each loan customer, recording their loan records and repayment time, responsible for resuming, and when each new loan is generated, he has the responsibility to remind you whether the customer has a record of non-repayment or late repayment, in short, every time I come in the future, I will ask for relevant records, and the return records must match your account books. ”

Swally may not understand the meaning of this, but Wang Qinian insists on doing so, this is the tracking of customers, the bank's account books will only record loans and loans, but will not be clearly classified by the customer's name, and specify in detail whether there has been a record of ** or delayed returns.

This is only the simplest, when the Free City supports some people to come, Wang Qinian will teach them to analyze these records, not only to find out the good customers, but also to find out the good customer groups, which kind of people need both loans and good repayments, and when the savings are successfully absorbed and the customer groups begin to involve all levels of St. Quentin City, this analysis will accumulate over time, and it will also be one of the killer features to compete with others.

After arranging the next business of the San Quentin branch, Wang Qinian was ready to leave.

This time, the head office of the Free City supported the exhibition of the San Quentin branch, in addition to the manpower mobilization of a group of experienced staff to enrich it, there was also financial support, but mainly in the Asturian gold coins, gold coins in the free city of the Mithril standard is a secondary currency status, but in the San Quentin side can be used in large quantities without restrictions.

Although the Mithril coinage is a "hard currency" and will certainly not be rejected in Santa Quentin, the current minting production is still difficult to maintain the use of the Free City itself, and the Asturian gold coins that were forced to be exchanged in the Free City were used to reverse the use of the Saint-Quentin.

With this support, Wang Qinian's confidence is more sufficient.

However, in addition to these supports, Swarly also unexpectedly handed over something to Wang Qinian, also from Free City.

Wang Qinian's heart skipped a slight beat when he saw the handwriting, the letter was written to him by Catherine.

He opened the letter, in which Catherine happily told him that the Solomon Company had started filming according to the script he left behind, "The Merchant of the Free City", because this Shadow animation is not as bizarre as the previous films, but a kind of sitcom, with the plot and the humanity in it to attract the audience and resonate, so the cost is low, and the shooting cycle will be shorter than the previous film, and it is expected to be completed in a month at most.

Mr. Obier, who was in charge of the day-to-day affairs in the Free City, had decided to release the film at the same time in the Free City and St. Quentin, but Tugenhagen had a great impact due to the previous war, and the business of the Solomon Company in Modo came to a standstill, and it took time to open all the joints again and resume the original business.

Catherine told Wang Qinian that Mr. Obier had agreed with Mr. Hayden in St. Quentin that Catherine would come to St. Quentin as one of the leading actors to promote the film when the film was released simultaneously in St. Quentin.

In the end, there was no Catherine's signature at the end of the letter, but there was a bright red lip print, this romantic way made Wang Qinian's heart flutter, and he couldn't help but think of the appearance of the snow-white body full of ** power when it writhed under him.

He quickly put away the letter, took what he ought to have taken, finished his second tour of the St. Quentin branch, and left the place. ps: There is something in the evening, and it is early at noon.