Lingyu First Bank

After a few words of entertainment, Wang Yuan took Lu Cheng and the teller back to the bank.

Lu Cheng was a little confused, what do you mean, not only do you have to pay someone more than 80 yuan in losses, but you also need to pay him a bottle of Quen Yuan Pill, and you have to deal with me, how do you deal with it, it won't be destroyed humanely, right?

The little teller was even more terrified.

When he arrived at Lu Cheng's office, Wang Yuan sat down on Lu Cheng's chair.

"You two sit down." Wang Yuan pointed to the chair.

Neither of them dared to sit down.

Wang Yuan didn't force himself: "If you want to talk about the responsibility, first of all, I am responsible for the opening and promotion of major businesses. The training is obviously not enough, and the details have not been considered. But I am the boss, and the money lost is mine anyway, so I won't punish it alone. .” Wang Yuan was humorous, but the two people on the opposite side were obviously not in the mood to joke with him, their expressions were only nervous.

Wang Yuan was bored, so he had no choice but to continue: "Lu Cheng, you are also the main responsible person, this month's salary is fined by half, do you accept the punishment?"

Um?Just punish this?Even if the Fan family compensated all the spirit stones, Lu Cheng felt that his punishment was more than that, and the bank paid all the spirit stones: "Recognize, admit."

"This time is a special case, and it won't be so cheap to make mistakes in the future."

"Yes, my subordinate understands."

"What's your name?" Wang Yuan asked the teller.

"Li, Li Nan." The teller stammered.

"I believe you will learn the lesson, and I hope that you will study hard during the training in the future. If you find any gaps in the link in the future, you can directly report to me. I will not punish you this time. It's not because you are pitiful, but because your responsibilities are unclear. , Insufficient training, and unclear requirements are the responsibility of the upper management, and the executors cannot be punished, but if you violate the rules and regulations, I will punish you severely, so go ahead and work hard.”

Li Nan was stunned for a while, then knelt down on the ground with a "boom": "President, your great kindness..."

"Stop howling, manly man, why are your knees so soft? From now on, don't kneel when you have nothing to do. I despise this the most. Get up and go to work." Wang Yuan interrupted Li Nan's crying.

Li Nan got up from the ground, wiped away tears, bowed, turned and left.

"Lu Cheng, post an announcement, explain what happened yesterday, and then declare that what happened yesterday was the fault of our bank itself. The monk who took away the spirit stone was not at fault, nor was the client who wrote the check. Take it away. Our bank no longer pursues the Lingshi, and admits that it belongs to him. In addition, his account can still be used normally. The remaining Lingshi in the account can be withdrawn at any time if needed. The customer's loss will be fully compensated by the bank. It should be noted that this statement has been filed with the City Lord's Mansion, and our bank assumes full responsibility. If there is any violation, the City Lord's Mansion will punish it according to the terms of breach of contract in the Dajin Law." Wang Yuan said to Lu Chengdao.

"Ah? President, this, isn't this our own shame?" Lu Cheng was anxious.

"Hurry up and have someone go to the city lord's mansion to file for the record, and post a copy of the filing document." Wang Yuan waved his hand.

Although Lu Cheng didn't understand, he didn't dare to go against Wang Yuan's intention, so he had to do it.

Wang Yuan sat on a chair and meditated.

It was because I was too eager for success, and the preparation was too big and too urgent. Now that the shortcomings of the lack of talents have emerged, it seems that we need to stabilize for some time and lay a solid foundation, especially people, we need to speed up the training.

In the afternoon, the announcement was posted, which immediately caused a sensation in Julong City.

Taking advantage of the bank, the bank not only did not pursue it, but also took the initiative to admit compensation. Is the operator of this bank a fool?

Wang Yuan passed the announcement here to Nanfeng Fucheng, and asked Feng Jiao to post it together at Fucheng Bank, indicating that there was an accident in the Julong branch and how to solve it.

Feng Jiao disagreed, and she spoke to Wang Yuan in the voice transmission, and Wang Yuan ordered her to post it.

Finally, Feng Jiao reluctantly posted the announcement, which also caused a sensation in Fucheng.

Putting aside everyone's arguments, Wang Yuan arranged a few more things. One was to announce that the entrance examination for Julong Trade School would be scheduled for ten days later. The second was to arrange for people to renovate the bank's treasury. Formation and restraint, the third Wang Yuan asked Xiaoyue'er to find an old Confucian to teach her to read and write, and at the same time arranged for a monk to teach him "Yuzaki Kungfu". This technique is too advanced and difficult to get started.

Wang Yuan also asked to sort out the bank's low-grade spirit stones and transport them to Nanfeng City. It's not that Nanfeng Bank lacked spirit stones, but because Julong used to be a place where raw materials were produced, and there was no high-value output. For thousands of years, the main circulating spirit stones in Julong are low-grade spirit stones, while middle-grade and high-grade spirit stones are slowly squeezed out of Julong because of their low circulation.

With the increase of Julong's trade volume and rapid accumulation of wealth, the demand for middle-grade and top-grade spirit stones is increasing, and the exchange rate of spirit stones in the market has begun to change.

Wang Yuan wanted to exchange Julong's low-grade spirit stones to Nanfeng for middle-grade and high-grade spirit stones. Firstly, he could use the exchange rate difference to earn a little money. More importantly, he wanted to stabilize the exchange rate. Unexpected risks.

Wang Yuan opened an account himself, and kept only a small part of the spirit stones he got from Zhengyang Patriarch, and kept the rest in the account.Increase some working capital for the Julong sub-branch, so as to avoid a run on people who are interested in getting news during the shipment of a large number of low-grade spirit stones to Nanfeng.

A run is the nightmare of all banks.

The so-called bank run means that the depositors of the bank think that there is a problem with the bank, and it is no longer safe to store their money in the bank, so they concentrate on withdrawing cash from the bank. This method can kill the bank in the fastest way.

The bank's money must be used, otherwise, where would the money come from to pay depositors' interest.

When the depositor comes to pay the deposit, the bank has to pay. Even if it is a time deposit, the depositor will still have to pay if he loses interest. The bank has no reason to refuse to pay.

However, the loans issued by the bank have not yet expired and have no right to require the lender to repay the loan in advance. If the situation is controlled as soon as possible during the run, the bank will soon be finished.

There is only one normal way to deal with the run, and that is to open the payment. When depositors find that there is no problem with the bank's payment, most time depositors will stop the run for fear of interest loss, and other depositors will stop the run after regaining confidence in the bank.

This is just a normal method, abnormal ones include refusing to pay, or even directly suspending business, which is almost like drinking poison to quench thirst. Even if you can survive the storm, but your reputation is damaged, there will be problems in the long-term operation in the future.

If there is no money, how to pay openly, it depends on the support of peers and the government.

Back then, Hu Xueyan, a red-top businessman, violated the interests of foreigners and big compradors, so his bank was run over by his opponents, which also led to his tragic ending.

A run on Wang Yuan is not afraid for the time being. How strong a bank is to resist risks is mainly reflected in its capital, that is, the original capital.

Most of the Lingshi earned by Wang Yuan himself was placed in the banks on both sides, which is the core capital.

Moreover, the working capital of the guild is also transferred in the bank. As the chairman of the guild, Wang Yuan can completely control it.

A considerable part of the deposits in the Fucheng Bank were deposited by Qu Guan and the others, and the stability of this part of Lingshi was much higher.

The most important thing is that Wang Yuan has the support of Shangguan Ling, no matter what kind of rumors, as long as the city lord's mansion representing the imperial court comes forward, it can be eliminated.