After just one day, Bailang's weak state improved greatly because his spiritual energy was almost drained. After two days, he was no different from usual.
But Bailang didn't see Lingyu appear again in the past two days.
In the morning, Bailang went to Qianfang for a walk as usual. The decoration in Qianfang has been progressing very quickly in the past few days, and the decoration of the wing rooms has basically been completed. There are only some decorations left that have not yet been moved in. They will not be moved in until the place is all sorted. If it is too early, there is concern about damage and damage.
Along with the wing room, three public rooms of different sizes were completed. It is reserved for the shopkeeper, treasurer and town hall. Bailang's room was the smallest, but it contained iron cabinets, tables and chairs according to his requirements, and it was completely decorated as a small study room. In addition, Bailang has begun to deal with some preliminary preparations related to the town hall in the past few days.
It's coming to an end in the hall. According to Liu She, all decorations will be completed and officially opened by the middle of this month.
Therefore, Bailang is constantly increasing the burden on the waist knives.
Walking around is fine. Zhang Wu selected twenty-one knives from the newly replenished waist knives and went to the hall. Seventy percent of them came from the old Qianfang. Whether it is experience or knowledge of all aspects of the people in Yongchuan City, the old man and the new man are completely able to deal with all kinds of relationships in the future.
The trouble actually lies with the gut scraper.
Unlike the lobby, the scraper in the new place is not starting over from scratch, but will inherit many accounts from the previous two money shops. There are normal ones and there are abnormal ones.
Normal accounts belong to living money, whether it is repaying the principal with interest or barely maintaining it period by period, it is a normal account.
Abnormal accounts are dead money. Accounts that have been overwhelmed by interest compounding and cannot be repaid in normal ways, and even the interest has been cut off, are collectively referred to as dead money.
Live money is easy to collect, but dead money is hard to collect. Novices can't do this kind of work. You can only make money. Those who collect dead money are all veterans. And these veterans still need Bailang, the town hall, to personally check and even urge them personally.
It can be said that collecting dead money is the biggest and most troublesome job in Bailang, a money town.
"Zhentang, these are the accounts collected yesterday. I took them to the Affairs Hall and checked them three times. There are no omissions."
The person in charge of the gut scraper's affairs is Wang Bing, and currently eight of the ten people following him are old scrapers who have been working as gut scrapers for six or seven years.
Bailang had asked Wang Bing to sort out the relevant accounts before. Because they were the accounts of two money shops, it took a lot of time to sort them out. In the end, it was Bailang's connections that made the affairs department open up and allow Wang Bing to take the accounts to check. . All reports submitted now have been verified. It is also the account that Bailang needs to take over in the future.
"What did Mr. Liu say?"
"Master Liu told me that these accounts have now been transferred from the original town hall to you. But because you are the new owner, the knife hall will give you a loose period for you to adapt, which will last for one month."
Bailang looked through the accounts compiled by Wang Bing and said, "Is there only one month to adapt? That's still a bit tight. Have you read it carefully?"
"Yes, Zhentang. Half of them are accounts that I knew before, and the other half were collected from other money shops. I went through them carefully when sorting them out."
"Tell me what you think."
"Zhentang, in fact, there are not many dead accounts in Qianfang. Now after the collection, the number of dead accounts is only ten, and the rest are live accounts. It is not difficult to take over the overall account. But there are at least 10 live accounts among the live accounts. The seven are already slowly heading towards death, which is a problem.
In addition, if you take over so many accounts at once and take into account the time required to get familiar with them, the manpower may not be enough. Do you think we can hire more people from the knife shop? "
Bai Lang shook his head and said: "It is impossible to increase the manpower. Where is there something that is too busy before it is done? Ignore the dead accounts for now, and focus on the accounts that are changing towards dead accounts as you just mentioned. Also, can you tell me how you usually deal with such accounts that turn from good to bad?"
"When you return to the town hall, there are generally only two ways to deal with this situation, either to directly collect the previous principal and interest, and then tie it into a dead debt. Or to intervene in advance to completely settle the account before it becomes a dead debt.
The former method is the simplest. The latter method is much more troublesome, and generally such accounts have been searched long ago. It is almost impossible to find a way to complete the accounts in advance. "
It's really simple and crude enough. Bai Lang thought to himself.
Although Bailang had no problem, Wang Bing didn't say anything either. But Bailang understood why Qianfang didn't fight for the accounts that were turning into dead accounts, but directly turned them into dead accounts. Instead of trying harder. In addition to what Wang Bing said was "already drained", the reason is that turning into a dead debt does not mean becoming a "bad debt", and there is the simplest way to deal with dead debts: paying off the debt with one's life.
Bad debt means that the incoming and outgoing accounts cannot be accounted for, and the loss cannot be reversed.
Dead debts cannot be collected, those who owe money have been squeezed dry, and they can no longer spit out more profits under the unlimited burden of interest compounding.
There was no profit and the debt was dead. In order to maintain the ruthless face of the knife shop, in the end they had to pay off the debt with their lives. This completes this account. It also declares that an unlucky guy has been completely squeezed out and squeezed out the last trace of value.
So you can’t get water money? Once you get involved with this thing, unless you have a background like Zeng Fei, or have a very profitable and stable financial path, you can pay back the money with interest in a short time. Otherwise, in the end, the destruction of the family and everyone will be the inevitable result.
Not to mention, in the past two years after Bai Lang merged with this body, he heard on the street that a family of young people swallowed poison, hanged themselves, and other fatal incidents after being forced to have no way out because of taking water money. times.
"What about you? What do you think is the most appropriate thing to do?"
"The town hall is on top, it's not my turn to say this. Everything is subject to the town hall's decision!" Wang Bing is very greasy. He can get things done honestly, but he doesn't talk too much. What kind of "opinion" do you want to express?
Bailang didn't feel dissatisfied either. He waved his hand and asked Wang Bing to leave behind a thick pile of accounts. Look through it yourself carefully. From morning to afternoon, I even forgot about lunch.
When Bai Lang locked the account and came out of the money shop, the expression on his face was still serious. What I was thinking about was the accounts that were turning from living to dead. Although the safest way is to go with the flow. But Bailang didn't want that.
Firstly, Qianfang's past practices may have missed profits; secondly, Qianfang's past practices were too extreme and evil. Bai Lang still had a lot of resistance in his heart to forcing people to have their families destroyed.
So Bailang hoped that he would think again and see if he could find a new idea.
