Chapter 188 The Importance of Operations Management
Chen Cao was completely recovered. To celebrate his return to normal, he pushed Li Xiang down on the table and rubbed him vigorously in broad daylight.
"Dad, I also want to catch fish in the river..."
Chen Cao's eldest son Chen Bohao and his eldest concubine Chen Boxuan, aged four and three and a half, were standing next to Chen Cao, asking Chen Cao to take them down the river to catch fish.
But in the middle of winter, who can go down to the river?
The last time Chen Boxuan took his maid to go down to the river privately, he caught a cold. After he recovered, he was beaten. At this point, neither the maid nor the wet nurse at home cared about taking the two young masters into the river again.
"No," Chen Cao shook his head: "How can my son, Chen Cao, go down to the river to catch fish? How about taking you to see the war in the future?"
Chen Bohao's little body jumped in the air with joy: "Okay... Mom often said that daddy went to war, and I want to go and see it too."
"Dad, I want to go too." Chen Boxuan said immediately.
Chen Cao nodded: "No problem, I will take you two with me in the future. You two brothers must take good care of your younger brothers and sisters."
"Okay..." the two replied in unison.
Just when Chen Cao was still planning to train the two boys to become war experts, the maid came behind Chen Cao and said: "Master Marquis, there is someone outside the house asking to see you."
.
"Your skills are getting better and better..."
Chen Cao sat slumped on the chair in the study room, and Shen Zhuangling knelt in front of him. Watching her swallow the yellow and white stuff, Chen Cao nodded with satisfaction: "Why don't you come live at home."
Shen Zhuangling swallowed, and then took care of Chen Cao: "I am worried that my wife will be unhappy, but it is good to live outside. I can still be with my daughter."
"Your daughter is getting older. When will you find her an in-law?"
"Don't worry, she is only fifteen years old. The Marquis often said that one must be eighteen to have a good body..."
Chen Cao laughed, buckled his belt and then became serious: "I just took a rough look at the account books. The credit business is the highlight of our development. After the revitalization of Nanzhili, the next step is to open a branch in Daming. Go somewhere else.”
"Most of the businessmen's deposits are in our bank. Because there are noble names there, even Liu Kongzhao doesn't dare to do bad things now. The last time he sent someone to run on us, he was scolded by Wei Guogong afterwards. I heard that he also had the idea of joining.”
Chen Cao was injured and did not dare to let Shen Zhuangling massage his shoulders, so he asked her to massage his head to relieve the pressure.
"Well, it's a good thing if he really wants to join. He is sincere and has strong funds. With his investment, the entire southern Zhili will be our territory from now on, and then starting from southern Zhili, it will spread to the entire territory of the Ming Dynasty. go."
"What is the next step for the Marquis?"
Chen Cao opened his eyes: "The branch should be opened in Beizhili first, and it should be piloted in the capital first. With Baoguo Gong in the way, I'm sorry those people don't dare to stumble at will;"
Chen Cao said, pointing to the map on the table: "North Zhili will be piloted in the capital first, and on the southeast coast, we will go to Zhejiang. By the way, prepare enough gold, silver and manpower. I want to open a branch in Shanghai County. What about food?" Prepare everything for me, there must be enough, at least one million stones."
"so much?"
This is actually not much. The main reason why Chen Cao needs so much money and food is to bribe the poor people in Shanghai County and local fishermen.
"Not much... This is all less. If you have strong financial resources, you will need at least three million stones;
By the way, how is our trade with Annan? "
Shen Zhuangling gently massaged Chen Cao's head while saying: "Annan is currently in internal strife. I heard that it has become four imperial courts. The export of grain and other things is not as good as it used to be. At present, the main trading objects of our foreign trade company are still The four countries of Siam, Champa, Sui Chenla and Zhenla can harvest about 10 million stones from 100 meters in spring and autumn;
Most of these grains were sold to grain merchants in the southeast and then to grain merchants in North Zhili according to the order of the Marquis. The profits in the past few years are still good. "
"As long as the Shanghai County I want to build is successful, it will be a trivial matter to make money every day. Every year from trade with the countries in Europe and the West, I will earn at least 30 million taels."
Shen Zhuangling suddenly panicked: "This... so many?"
"That's right, otherwise the current emperor would not have specially appointed me as the governor of Songjiang to take care of the affairs of Shanghai County." Chen Cao said and then added: "The bank's affairs are now running almost normally. Daily I will leave the operation to your people. My focus today is on the grain trade, iron and firearms trade. The Portuguese on the Hao border and the Dutch East India Company (Hongyi Kingdom) occupying Taiwan, which is Taiyuan Island. ) has a lot of hatred. You send people to contact the two factions, that is, in Kaifu, Shanghai County in July next year, you must let them know that Shanghai is more convenient than the two cities of Quanzhou and Ningbo, and it has Gotta make money..."
Shen Zhuangling was afraid that she would forget, so she stopped what she was doing and quickly wrote down what Chen Cao said with a pen.
"Also, within the bank, we must vigorously support those jobs that can be done quickly. Even if you are promoted to a shopkeeper, it is not a problem. You must know that I am hiring people who are capable and reliable, and the salary must be increased."
At this point, Shen Zhuangling raised her head and said, "Master Hou, our offer is quite generous. Those powerful Huizhou merchants and Zhejiang merchants employ people, and the monthly salary of ordinary clerks is only one tael of silver. This is a huge sum."
Chen Cao couldn't help but knock Shen Zhuangling on the head: "You still don't believe that your Shen family is limited to this. Your ancestor Shen Wansan was very courageous when he was doing business;
Under the high salary system, we must let those people know that by working in the property under my name, Chen Cao, you can not only make money, but also become rich. "
Shen Zhuangling didn't know what Chen Cao was up to, so she said: "The Marquis also needs to know that our daily income is also very high, and the army still depends on the Marquis."
"Don't interrupt, you idiot, listen carefully,"
Shen Zhuangling seemed to particularly like Chen Cao scolding her.
"Ordinary clerks will receive a salary increase from the beginning of the new year, directly to two taels of silver per month. Secondly, the monthly salary of first-class clerks will be three to five taels of silver; managers at all levels will receive an increase of one tael on the original monthly salary; and shopkeepers at all levels will receive a monthly salary increase of one tael. The basic amount of money must be set to ten taels, and the money will increase according to different levels;"
While Shen Zhuangling was surprised, Chen Cao continued: "Write it down. Whether it is the shopkeeper or an ordinary employee, the year-end bonus will be determined based on the workload in a year."
"Year-end bonus?" Shen Zhuangling refreshed her knowledge again.
"Just give them another payment. The amount of the year-end bonus is based on the employee's performance this year. If a clerk adds 100,000 taels of credit business to the bank this year, then the year-end bonus can be taken out of the 100,000 taels. Ten percent.”
Shen Zhuangling studied Taixi's arithmetic seriously at Chen Cao's request: "One hundred taels, Lord Marquis..."
What is the concept of one hundred taels?
Ordinary people could earn less than one hundred taels from farming for a lifetime, and this was only within the scope of Chen Cao's operation and management.
Chen Cao nodded calmly: "Every clerk must know about this year-end bonus, and we must stimulate them to handle the credit business well. This will not only generate income for us, but also increase their income."
After all, Shen Zhuangling is a businessman, and she immediately remembered the malicious runs in the past: "Master Hou, what if those guys maliciously lend money for year-end bonuses and lend loans to people who can't afford to repay them?"
This is a good question. In Chen Cao's world, credit card companies are racking their brains to release cards. Those who can't afford to repay are overdue over a billion dollars every year. He has suffered from credit, so naturally he will not let this happen. A cause that was originally beneficial to the country and the people has turned into a malicious consumption.
"Simple..." Chen Cao took a sip of tea: "Our bank's internal review mechanism must be implemented every month. In other words, if a clerk does not lend strictly in accordance with the lending standards set by the bank, as long as it involves the people If you can't pay or don't pay back after the due date, the clerk will be jointly and severally liable. The monthly payment will be deducted for the first time, and a warning will be given for the second time. If this happens for the third time, then the only option is to go to the Yamen and go to jail;
It is not easy for me, Chen Cao, to earn money, and this is only a temporary solution. When I have the opportunity in the future, this credit business will be directly included in my Ming law. With the constraints of national law, the people under my command are making money. At the same time, we must also think about the consequences of negative impacts. Even if such things rarely happen at that time, we can effectively control the size of our losses;
After careful calculation, we have earned more than we have lost; under such a combination of rewards and punishments, the business will develop quickly. This is collectively called the operation management model. Do you remember it clearly? "
Shen Zhuangling's notebook was filled with two chapters: "I've written it down, but Mr. Marquis, are there any minimum requirements?"
"Yes," Chen Cao knocked on the table: "Of course you won't accept a high salary if you don't do things. Each clerk will check his performance once every quarter, that is, every three months. For ordinary clerks, if the salary is less than 20 taels, the warning will be deducted. , if it occurs three times in four quarters of a year, you will be fired directly;
The first-class clerk must not be less than fifty taels. According to the previous practice, if the minimum value appears three times in a row, he will be fired directly. "
"Does this make the guy walk faster?"
Chen Cao laughed heartily: "With such a high salary, looking at the entire Ming Dynasty, there are many people who are willing to make money with this one. Besides, I plan to open a subject of economics in the college. All the people who will be employed will be untouchables. After completing the course, they will be directly dispatched as Bank employees, their parents are serving in the military or working in workshops, do you think they would give up such a good opportunity after being poor for more than two hundred years?"
"I understand, this is the butterfly effect..."
"Hahaha..." Chen Cao touched Shen Zhuangling's face: "You learn very quickly. You often go to the academy to attend lectures, right?"
