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Text Two Hundred and Sixty-Four: Comeback (Part 2)

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    She smiled softly and said, "It's good to have it. In the past two years, you have worked hard on the bank."

    Shopkeeper You felt a little nervous, but the expression on his face was still very natural: "It's not hard. It's all what a slave should do." Shopkeeper You only hoped that Wen Wan had asked casually.  However, Wen Wan's words broke his illusion.

    Wen Wan looked very calm: "The bank's profits have also dropped by more than 10% compared to previous years. I want to know the reason. Shopkeeper You will ask everyone to prepare it after he returns. Tomorrow I will send someone to look at the accounts of the past two years."

    Shopkeeper You was so frightened that his legs were trembling: "Princess, my servant is going to prepare now." He has worked with Wen Wan for so many years, and he knows Wen Wan's temperament well.  Sometimes I consult other people's opinions before making a decision.  If she thinks it's good, she will adopt it.  If she tells you to do something, she has already made the decision.  You can only obey, there is no room for you to resist.

    Out of the gate of the Princess's Mansion.  As soon as they got on the carriage, Shopkeeper You murmured: "It's over now, it's all over now." It was that bastard who told him that the princess would no longer be in charge.  Who is it? That bastard bastard killed him now (it was all caused by your own greed).

    Wenwan went to the study to write a letter.  Xia Heng was already waiting outside.  Wen Wan gave the letter to Xia Heng: "You are leaving for Haikou now. This is a letter to Jiang Lin. On my behalf, you go to comfort the families of the victims. Tell them that all the pensions that should be paid to them will be given to them."  No less." Wen Wan must send someone with weight to handle these matters on her behalf.

    Xia Heng is the second housekeeper in the mansion and has been managing external affairs.  I also went to Haikou to stay with Jiang Lin for a while and learned a lot of skills.  After coming back, he was ordered by Wen Wan to manage the property under Wen Wan's name.  Xia Heng's main function is to inspect and supervise.  However, after Wen Wan handed over those properties two years ago, Xia Heng took the initiative to resign and come back.  In the past two years, he has been handling several properties under Wen Wan's name.  Xia Heng has the ability.  He is also very loyal to Wen Wan, and he has stayed in Haikou before.  Everyone knows that he is the second steward in the princess's mansion.  So for this matter, Xia Heng was naturally dispatched without hesitation.

    Xia Heng accepted the order and went the next day.

    Xia Yao remained silent after seeing Wen Wan meet Shopkeeper You.  Those who don¡¯t order others to summon other shopkeepers: ¡°Princess, aren¡¯t you going to summon other shopkeepers to see you?¡±

    Wen Wan smiled softly: "The other shopkeepers are waiting for the bank's affairs to be settled. Then we will deal with it slowly. The focus now is on the bank and the commercial bank." The commercial bank is the leader, and the bank is the backing.  Other hotels and so on will take their time.  There is no way to escape.  and.  Wen Wan has other plans.

    Wen Wan thought of the word "escape": "Let's get out of here, how will we deal with the family members of the manager who ran away after stealing the pension?" We can only use harsh methods when necessary.  Only in this way can everyone be shocked.

    Xia Yao nodded: "That family was locked up by Shopkeeper Jiang. What do you think the princess will do with it?"

    If Wen Wan had just arrived, her family would definitely not be implicated.  Just punish those who commit crimes.  How could you involve your family?  But I have been in this dynasty for more than ten years.  It has also been assimilated: "Let Jiang Lin handle it!" Wen Wan's words were based on usual practice.  There is only one outcome for this family: they are all sold into slavery.

    Xia Yao asked: "Princess Princess, how do you plan to deal with the business?"

    Wen Wan smiled and said: "I haven't dealt with it much. Suppliers who want to raise prices. I asked Jiang Lin to discuss with them and try to satisfy both parties. Those who lowered prices terminated the cooperative relationship. Just in time, I also want to work in Beijing  Open a branch with Jiangnan. The so-called trading firm used to be just in name, but now it has been expanded to become a real trading firm. In fact, Guangyuan Trading Company should be called Guangyuan Shipping Company.  Because Guangyuan Trading Company is only responsible for selling goods and earning the price difference.  It is not the same concept as a commercial bank.  Wenwan has always meant to expand and sell her own goods.  It's just that the conditions were not mature enough at that time, but later when the conditions were mature, I got married and had children.  Life and death were delayed.

    Xia Yao didn¡¯t understand.  Why the price increase of the supply can be carefully discussed, but the disadvantage of lowering the price is that there is no room for maneuver.  The one who made Xia Yao wield swords and guns really didn't understand these business practices.

    Wen Wan smiled and explained: "When dealing with officials and businessmen, although I am suppressing it, the people below still have to deal with each other with kindness. Unless these officials can be replaced, they cannot be too strong. So let Jiang  Lin will talk to them, and they will definitely take advantage of the situation. As for those sellers, I happen to have other plans. "Most of the porcelain and brocade that the merchants want must go through government merchants.  If they break up, they will have to push down a large number of officials without leaving any further trouble.  The backgrounds of these officials are complicated and may have some connections with people in the capital.  Wen Wan didn't want to offend a large group because of such a small fee.  These people are gentle and not afraid of offending, but the relationship behind them is complicated.  GentleShe is not afraid of what these people will do to her.  But I really feel that there is no need to offend a large group of people over such a trivial matter. It is not cost-effective.  Moreover, with her coming forward, these people didn't have the courage to really raise the price.  Giving them face also gives them a chance to step down.  Not everyone is happy.  As for those sellers, they were just unlucky, and Wen Wan didn't want to be exploited by them for another layer of profit.  This time it hit the muzzle of the gun.

    Xia Yao nodded.

    Wenwan has a frown on her face.  Wenwan doesn't have to worry about business matters.  Jiang Lin and Xia Heng can handle it well.  Jiang Lin was restrained before because he was suppressed by the outside world and couldn't let go.  Now with her backing and Xia Heng's assistance.  The problem over there will be solved soon.  Moreover, she was ready for the follow-up.  There won't be much fluctuation.

    Wen Wan is worried about the bank. Shopkeeper You¡¯s expression makes Wen Wan feel that the matter may be more serious than she imagined.  I'm afraid there are a lot of problems, but I can't see it on the surface.

    After Wen Wan thought for a moment, she decided to be conservative and ask more questions: "Go to the bank and invite shopkeeper Ping." Shang Wei is now the second shopkeeper of the bank.  Shang Wei himself is the son of the Duke of Guo, he has a strong backing, he is also capable, and he can get along well in the bank.

    Shang Wei came very quickly. As soon as Shang Wei saw that it was someone from the princess's palace who came to invite him, he already made up his mind.  Come immediately with the person coming.

    Wen Wan didn¡¯t follow him around: ¡°How many times have the bank violated the rules in the past two years?¡± Only by violating the rules she specified can you make money.

    Shang Wei didn't hide it either: "It's basically the same as when the princess was here. There are just some minor changes."

    Wen Wan snorted: "Small change. I see that the amount of money loaned out last year was 40% more than the previous year. Can you tell me, are the procedures for these loans in order? Is the interest collected in full? Are there any other  Something fishy?¡±

    Shang Wei was shocked and then relieved.  On the surface, they say they don¡¯t care about anything, but in fact the bank¡¯s operation still cannot escape Wen Wan¡¯s eyes: ¡°Princess, the bank loaned out a huge amount last year. Many of them did not comply with the procedures. But there are people like Shopkeeper Zhao who are following you.  The shopkeeper agreed, and the people below did not dare to go against their words. Nowadays, there are many people who owe money and have not paid it back. The interest charged every year is only for accounting, but not actually received. "

    Wen Wan smiled softly. In just over a year, the debt of 1.6 million yuan was not only not recovered, but also the interest was not received.  Fortunately, I am taking over now.  Otherwise, the bank will collapse in two or three years.

    Ping Shangwei thought Wen Wan would be furious, or immediately ask Shopkeeper You to come over and ask.  But I saw Wenwan and calm as water.  Not a trace of anger.

    "I understand, you can go down," she said with a gentle expression. After Ping Shangwei left, he said to Xia Yao: "It seems that not only the commercial bank is going through a major change, but the bank is also going to have a major change. Xia Yao, we have enough manpower."  Not enough?" Wen Wan plans to replace all the disloyal managers in the firm with his own people.  Because in Wenwan's heart, the trading company belongs to her.  As for the bank, Wenwan plans to merge it into the national treasury in the future.  Her initial plan was to put a batch of cultivated seedlings into the bank, so that these people would become the mainstay of the bank in the future.  But Wenwan is planning to put these seedlings into the grassroots first, and then slowly come up with enough energy and qualifications.  Now it seems that banks also need to make a major change.  A big blood change requires people!

    Wen Wan has a headache. We don¡¯t have enough manpower.  This is different from a commercial bank. No matter if a commercial bank has Jiang Lin at the helm, it won't matter if the people below it are changed.  But the bank manager must be replaced.  I need to find a suitable big shopkeeper.

    Seeing Wen Wan being so entangled, Xia Yao smiled and said, "Princess, just let Ping Shangwei come up. He has been in the bank for so many years, he is qualified enough."

    Wen Wan shook his head, "No, Ping Shangwei is not suitable. The big shopkeeper selected this time must have rich experience and be a big shopkeeper himself, and the prerequisite is that he must have a good reputation."

    Xia Yao is a little confused.

    Wen Wan didn¡¯t explain too much.  In fact, she had already felt that Shopkeeper You was not good enough and his business was not good enough. He had begun to fail to do many things before.  But because of Prince Hao's face, she couldn't change the person for no reason.  This time is an opportunity.  Fortunately, her bank also belongs to a semi-monopoly industry. If there was free competition, it would have collapsed long ago.

    If Wenwan wants to continue to expand and open branches, she must first stabilize the current situation.  If all the current branches are stable, the remaining half of the places will all have branches of Guangyuan Bank within three years.  At that time, connecting the world was no longer her idea.  Therefore, this time she must recruit a big shopkeeper with strong business ability and good character.  By the way, we will recruit some more people with sufficient qualifications.  Regardless, we might as well take advantage of this opportunity to recruit more talents.

    WenWan asked Xia Yao to pay attention and help her find the shopkeeper.  (To be continued)
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