It's just that Dagui Commercial Bank bought a lot of tea from the Chen family some time ago, and it should have been settled a few days ago, but the shopkeeper in charge didn't know why, and pushed back the payment date, so that Chen Hao couldn't get the cash for a long time, and he couldn't collect the sugar, so he came to Zhao Dagui today to see if he could settle the payment first.

However, in this way, it has a bit of a taste of debt collection, no wonder Chen Hao wants to bring Chen Zihao over, just to ease the atmosphere and not to leave a bad impression on Zhao Dagui.

Zhao Dagui asked about the amount of payment, and knew that it was 25,000 yuan, so he nodded in his heart, this is just a small amount of money, with the current strength of Dagui Commercial Bank, it is easy to pay.

"This is my momentary negligence, and I didn't explain it clearly to the shopkeeper below, so there was such a delay in settlement.

I didn't say anything, I'll let the bookkeeper spend the money and let you take it back.

The money that should have been paid was not paid, and Brother Chen's business was delayed, it was not from my Dagui firm, and we paid the liquidated damages in full as agreed. ”

"Brother Zhao, if you are doing business, you have to take care of each other, this money is a little sooner or later, it would not have been a problem, if it weren't for the fact that I was in a hurry to go outside to collect sugar, I wouldn't have to mention this stubble.

I was worried that Brother Zhao would blame me for being impatient, so I came to explain in person, the so-called liquidated damages or something, I don't need to mention it, and it will slap me in the face. ”

Dagui Commercial Bank has always had a good reputation, and the capital exchanges with other commercial banks have always been clean, and they have always been paid on time, Chen Hao has never doubted Zhao Dagui's ability to pay, if it weren't for the eagerness to go to other places, he might not come to the door to urge this account, so as not to leave a bad impression on Zhao Dagui.

"Brother Chen is polite. You two wait here for a moment, I'll sort this out, and then come back. Zhao Dagui arched his hand, asked the two of them to wait in the room for a while, and then came out to find the shopkeeper Lu who was in charge of the accounts.

"Shopkeeper Lu, what's the matter with the account of the Chen family, the payment period has passed seven or eight days, why haven't you sent it to people yet, and let people find me?" Zhao Dagui found the shopkeeper Lu who was in charge of the accounts, and said dissatisfiedly.

"It's my fault, and I ask the owner to forgive me. "This shopkeeper Lu is also a shrewd person, when he heard that Chen Hao and the two of them were coming, he understood what was going on, and hurriedly got up at this time to ask for the guilt.

"Some time ago, several foreign ships arrived, and several shopkeepers were anxious to get this batch of goods, so they took a sum of money from the cabinet to make a deposit; coincidentally, the foreign cloth sold in the warehouse in Suzhou has not been returned, and the money has not been called, and the cabinet is just short of money.

I think the Chen family is familiar with my firm, and their family wants to go out to collect sugar, which is only a matter of a few days, so I made the decision to delay the payment for a few days, and I also told the person in charge of their family to be accommodating, but I didn't expect their old man Chen to come over today.

It's my side that doesn't manage the accounts effectively, and I ask the owner to punish him. ”

"It's just a trivial matter, and there is no need to mention the punishment. By the way, the Chen family's account is about 25,000 yuan, we should have no problem, right?" Zhao Dagui had no intention of pursuing this trivial matter, so he asked.

"There are about 30,000 yuan in the cabinet, and there is no problem in paying this account.

However, in a few days, I will have to pay the tea money of the Li family and the peace of the family, about 40,000 or 50,000 yuan, and there are still some odd and fragmentary expenses to be settled, and the taxes paid to the government must also be prepared.

If you can't get the money back as soon as possible, I'm afraid the money will be delayed. "Shopkeeper Lu has worked in a local bank for more than ten years before, and he is very meticulous about this kind of account transactions, and he can explain things clearly in just a few words.

Of course, it is also pointed out that because the payment in Suzhou has been delayed, the turnover on the counter is not working, and he has taken off his responsibilities lightly and skillfully.

"As long as this money can be paid, as for the official tax or something, there is no need to pay it in a hurry, just delay him for a few months, and wait for the palace lord to send someone to urge him to pay again, there is no problem."

However, the accounts with several commercial banks must be clear, and they must be paid on time, and if there is no money, they must also be made clear to me in advance. Zhao Dagui clearly showed his contempt for the government in one sentence.

"Yes, my subordinates understand. Shopkeeper Lu nodded hurriedly.

Zhao Dagui returned to his reception room, said a few polite words to Chen Hao and Chen Zihao, and talked for a while before seeing the shopkeeper Lu coming over with a stack of silver tickets.

Chen Hao carefully checked the silver ticket trees and found that the numbers were all right, so he put his mind at ease and said kind words to Zhao Dagui for a while, trying his best to calm the bad feelings that might be caused by debt collection, and then took Chen Zihao back with satisfaction.

Sending the two people away, Zhao Dagui originally wanted to continue to deal with the official affairs of the firm, but he suddenly felt a burst of distraction, and he couldn't do any work.

Simply put down the documents in his hand, rubbed his head and thought for a long time, Zhao Dagui decided to find the shopkeeper Lu and find out the matter clearly.

The division of labor of Dagui Commercial Bank is quite clear, the financial department under the jurisdiction of the Lu shopkeeper does not care about the operation, only manages the flow of funds, and there is a separate office space, according to Zhao Dagui's bad taste, people are hung with a small plaque of "financial room", and the Lu shopkeeper and several subordinates who have played very fancy with their abacus work together.

Seeing Zhao Dagui coming in again, Shopkeeper Lu was a little surprised, but he hurriedly stood up to receive him, and ordered the guys to hurry up and bring tea over.

Zhao Dagui found a place to sit down, thought for a while and said: "I was busy fighting with Yisheng during this time, and I worked hard with the shopkeepers, but I neglected the financial part.

Why is this capital turnover now, can Shopkeeper Lu tell me?"

"This, well, even if the owner doesn't mention it, I will also mention it to the owner.

The proprietor may have some concerns because of the Chen family's affairs today, but there is no need to do it, our Dagui Commercial Bank is now fully capitalized and operating well, and this time the Chen family's affairs are just ignored for a while.

Since you asked, I will explain to you the accounts for this period of time. Shopkeeper Lu said obediently.

Then, the shopkeeper Lu took out a large pile of papers, carefully explained the business situation of Dagui Commercial Bank in the past few months, and clearly explained the total assets of Dagui Commercial Bank and the money to be paid in the near future, so that Zhao Dagui had an intuitive understanding of the financial situation of the commercial bank.

On the whole, the situation of the Dagui Comptoir was very good, and from March to August, the shopkeepers worked very hard and made a lot of money, and the only thing that needs to be criticized is that because of the use of barter, the profits of the comptoir are not reflected in cash, but in the form of goods.

That is to say, the foreign cloth transported by the foreign merchants, the commercial bank directly contacted the silk tea source for barter, and finally gave the Chinese merchants who provided the silk tea supply directly with foreign cloth or silver to pay, so the demand for capital turnover was relatively large.

Moreover, in this way, the final profit of the commercial bank is foreign cloth instead of cash, and the foreign cloth must be entrusted to Suzhou or local warehouses to sell in order to complete the cash-out.

The advantage of this is that it can greatly shorten the business cycle and do more business in the short term, but the disadvantage is to pressure funds, and there may be a situation where there is no money to pay for goods today.