I was chased by my sickly junior brother who had two lives

In Qing State, Chen Jia and Chen Jue have achieved remarkable achievements in many fields with their excellent business acumen and innovative spirit. With the booming maritime trade, in order to further optimize the business layout and improve the efficiency of capital circulation, they decided to expand the silver bill business with dealers, open more commercial banks, and enter the money exchange industry.

It was a sunny day, and the atmosphere in the meeting room of Chen's house was lively. Chen Jia and Chen Jue sat in the main seats, and dealers from all over the world sat in the audience, with expectations and curiosity on their faces.

Chen Jue stood up first, and with a determined look at everyone, he said, "Everyone, our maritime trade is booming now, but if we want to go further and fly higher, we have to make some efforts in financial and commercial layout. We plan to vigorously expand the silver bill business, so that these lightweight silver bills can be used freely everywhere. At the same time, we plan to open more commercial banks, expand our business territory, and even enter the money exchange industry to provide more comprehensive financial support for everyone's business. What do you think?"

A dealer from the north, with a burly figure and a straightforward personality, spoke first: "Duke Chen, this idea sounds good. But it is not easy to expand the silver bill business. Although we have discussed the silver bill before, it will take a lot of effort to promote it and let everyone use it with confidence. For example, in the north, many merchants are used to real gold and silver, and they are still skeptical about silver bills."

Chen Jia smiled and responded, "Brother, I completely understand your concerns. However, we can do it step by step. First, we need to increase publicity efforts to let everyone know the convenience and safety of silver bills. We can hold seminars in various places and demonstrate the exchange process of silver bills on site, so that merchants can see with their own eyes that silver bills can be exchanged for cash at any time. Moreover, we will cooperate with more reputable banks to let everyone know that there is strong financial support behind silver bills."

At this time, a southern dealer, wearing an exquisite silk gown, frowned slightly and said, "Madam Chen, even if the publicity is in place, the situation in different places is different. Some local banks may not be willing to cooperate in promoting silver bills. What should we do?"

Chen Jue took over the conversation: "This is indeed a problem. But we can take some incentive measures, such as giving the cooperating banks a certain profit share, or providing some high-quality business resources in exchange. Moreover, we must also establish a complete silver bill management system to let the banks see the benefits and prospects of cooperating with us."

A young dealer, with a gleam of curiosity in his eyes, stood up and asked, "Duke Chen, Madam Chen, how do we expand the silver bill business? What can we dealers do?"

Chen Jia patiently explained: "We will first set up silver bill exchange points in major commercial cities. These exchange points can be based on the business banks we are about to open. In daily transactions, all dealers can give priority to using silver bills for settlement, which will play a leading role. At the same time, everyone can also publicize the benefits of silver bills to the merchants around them and help us expand the influence of silver bills."

After hearing this, everyone nodded, and the idea of ​​expanding the silver bill business gradually became clear.

Chen Jue continued, "After talking about banknotes, let's talk about opening more commercial banks. Commercial banks are important bases for our commercial activities. They are not only used for the transfer and storage of goods, but also a window for displaying our products. What do you think about the location and operation of commercial banks?"

An experienced old dealer stroked his beard and said slowly: "Mr. Chen, the location of the business is very important. In addition to the places with convenient transportation and prosperous business mentioned above, we must also consider the local market demand. For example, in the Western Regions, there is a great demand for silk and porcelain. We can open a large-scale business in a prosperous area to display and sell these products in a centralized manner."

Chen Jia nodded in agreement: "You are absolutely right. Moreover, the operation and management of the business cannot be neglected. We need to recruit a group of professional talents, including shopkeepers, clerks, accountants, etc. These people must not only be familiar with business processes, but also understand the local customs and practices, so that they can better deal with local customers."

At this time, a dealer said worriedly: "Mrs. Chen, recruiting talents is not an easy task, especially finding those who are trustworthy and capable. Then we have to train them, which takes a lot of time and energy."

Chen Jue smiled and said: "This is indeed a challenge, but we can recruit talents through various channels. On the one hand, we can post notices in the local area for open recruitment; on the other hand, we can ask local chambers of commerce to help recommend. As for training, we can develop a complete training system to enable new employees to familiarize themselves with the business as soon as possible."

A sociable dealer said, "Mr. Chen, Mrs. Chen, I think the businesses need to strengthen communication and collaboration. Businesses in different regions can share market information with each other and adjust the allocation of goods according to local needs, which can improve overall operational efficiency."

Chen Jia's eyes lit up and he said, "That's a good idea! We can establish an information exchange platform between businesses to regularly summarize market trends, customer feedback and other information from various places so that everyone can make more reasonable business decisions."

Then, everyone had a heated discussion on the details of the bank's operations, from the purchase and storage of goods to the management and assessment of personnel, and every link was explored in depth.

After discussing the business, Chen Jia changed the subject and said, "Everyone, on the basis of expanding the silver bill business and opening a business, we also plan to enter the money house industry. Money houses can provide more convenient financial services for our business activities, such as deposits, loans, etc. What do you think about this?"

A dealer said in surprise: "Mrs. Chen, this money house is not an ordinary business. The risk is not small. If the loan cannot be collected or there is a run on the bank, it will be troublesome."

Chen Jue said seriously: "You are right, the money house business is indeed risky. But as long as we establish a scientific risk management system, strictly control the loan approval process, and rationally plan capital reserves, we can effectively reduce the risk. We will hire professional financial talents to manage the money house to ensure that every business is compliant and sound."

A thoughtful dealer asked, "Mr. Chen, what exactly does the bank's business scope include? In addition to deposits and loans, are there other things?"

Chen Jia smiled and replied: "In addition to basic deposit and loan services, we can also provide foreign exchange services to facilitate the capital flow of merchants in various places. In addition, we can carry out bill discounting business to help merchants solve the problem of capital turnover. In short, we want to build a comprehensive financial service platform to provide all-round support for everyone's business."

After a whole day of heated discussions, everyone reached a comprehensive consensus on expanding the silver bill business, opening commercial banks and entering the money exchange industry.

As the sky gradually darkened, the atmosphere in the meeting room was still lively. Chen Jia looked at the dealers present and said gratefully: "Thanks to everyone's opinions today, we have a clearer and more complete plan for the future business layout. This road may be full of challenges, but I believe that as long as we work together, we will be able to create more brilliant achievements in the business world."

Chen Jue also stood up and said passionately: "Everyone, let us work together to start this new business journey and work hard for our business and for the commercial prosperity of Qing Country!"

Everyone stood up and applauded, their eyes full of confidence and expectation. Under the leadership of Chen Jia and Chen Jue, these dealers will join hands to embark on a new journey full of challenges and opportunities, and jointly write a new chapter of business legend.