Zhan Zhumen

When Huo Xi saw the account book was handed over, she was about to reach out to pick it up, but Mu Yan put her hand on her head and dialed it out.

"You squint on the couch." She didn't want her to work too hard.When she was pregnant with Qi'er, she could sleep half a day a day, but now she is very busy.

"Then I'll take a break." There are people who can do it for you, so why not do it.Huo Xi smiled and leaned on the couch next to her.

Gen Qi lowered his voice, "There is enough cash in the account, but in the past half a month, small traders have gotten more goods from the goods store, and half of the payment is on credit. We have to spend a lot of money to carry out Purchases, although there is still a surplus after entering and exiting, but in case there is a bad debt, I am afraid that the hole will not be filled.”

The branches of the Four Seas Bank in Yunnan have enough money, and no matter how bad it is, there are also money from other shops in the southwest as support, so there is no need to transfer money to the head office in the capital.

Gen Qi was not worried about being run out, which led everyone to concentrate on withdrawing silver.But Madam took too big a step and trusted those traders too much. If they lose money and the money is not repaid, the bad debt will be a lot of money.

Mu Yan looked at the shopkeeper Yu at the side, "Have you checked the details of the merchant's credit?"

Yu nodded: "According to Madam's order, we will check the merchants' ability, character, family background, assets in hand, business contacts, in-laws, etc., and carefully select vendors. We are not willing to let anyone buy goods on credit. Silver. Most of them also have corresponding assets as collateral.”

"But the houses in their hometown can't be sold at all, and some people's land property may not be easy to dispose of in the clan." Gen Qi worried that these assets would not be easy to cash out if they didn't pay the money.

Yu opened his mouth, and he also felt that Madam's movement was a little big.But Madam insisted on this, so he couldn't object.

Huo Xi didn't hear Mu Yan's voice for a long time, and opened his eyes.

"It doesn't matter, the merchants who give credit are all carefully selected high-quality merchants or individuals. Although some people do not have enough assets to mortgage, I have almost met and talked with these people and learned their thoughts and plans. It is only some potential merchants who are willing to pay on credit. And our goods are not worried about selling, they will make as much profit as possible, and the loss will not be too large. And if there are really some goods that cannot be collected, we are fully prepared."

At the beginning of each month, she asks the accountant to calculate the bad debt reserve for this month based on the profit and credit situation of the previous month.By the end of the year, these bad debts will offset the overall profit of the cargo bank.

Moreover, since she proposed that the payment can be owed on credit, the shipment volume of the dealer has increased several times, and the sales have increased by several times and tens of times. Even if there are cases where the payment cannot be collected, it is a small number.

She conducts strict selection on the front end, and has collection and feasible cash-out methods on the back end, so she is not very worried about the situation that the payment cannot be collected.

"I almost forgot that we have to hand over [-]% of the profits every year to benefit the people. Once the bad debts are written off, we don't actually lose much." Yu and Gen Qi's eyes lit up.

Huo Xi laughed.

Mu Yan took a look at these two subordinates and felt that they were still not very smart. "Madam, is that what you mean? There are so many people living in Zhuangzi who live on nothing, and they can't even get the money back?"

Uh... also.Is there anyone else who can escape the pursuit of the son?Unless the whole family moved to the mountains to hide.

No, even if you hide, you have to find someone if you empty the mountain.

"Although we investigate the merchants on credit carefully and verify again and again, we still have to guard against someone taking advantage of the loopholes. Shopkeeper Yu still needs to tell the managers to check it out. If anyone handles it, bad debts cannot be recovered, and the bonus at the end of the year will be reduced. Gone."

Yu Yilin, that loss is quite a lot.

"Don't worry, ma'am. The subordinates will definitely check the checkpoints and carefully check everyone's identity."

The North-South Merchandise Store is booming, and the housing prices in the vicinity have also skyrocketed.

Even a dilapidated room with only a few small rooms sold for 2000 taels of silver once they entered the small courtyard!

The clever ones sold the small courtyard they lived in, and the whole family moved to another block to change to a large courtyard with three courtyards and five courtyards, where the whole family lived comfortably.

Some people refused to sell it, and spent a lot of money to renovate it severely, and gave it to the merchants who came and went, only charged rent, sold some food, and made a lot of money.

Even the inns in the city are full of business every day.It's all here to buy goods and experience perfume.The number of people entering the city was ten times more than before.The city gate officials urgently sent additional soldiers to guard the six city gates day and night.

Compared with the prosperity of perfume shops and north-south goods shops, several busy streets in the city are visibly depressed.

Especially the miscellaneous shops selling daily necessities, most of them were closed.Even if it is still in business, the guys are too idle in the shop to count how many mosquitoes flew in today, and there are no differences.

Some merchants who have lost their business are cursing, and some are looking for new opportunities.Shrewd merchants have learned from the North-South Merchant Co., Ltd. and began to grope for transformation.

For example, the Yu family.Urgently please return several female workers and embroiderers to change all the cloth of various colors in the cloth shop into ready-made clothes, handkerchiefs, embroidery of various colors, bedding, curtains and window screens, etc.

I also asked Huo Xi to go over it again, Huo Xi gave them advice and gave them some pointers...

Yu Danbo invited some young and beautiful female and male assistants to solicit business in the streets and alleys in the clothes he tailored himself. Because the clothes were novel and the price was not expensive, he immediately revived the business of the cloth shop that no one patronized. up.

You can't earn a tael of silver for a piece of cotton cloth, but you can make three garments with one piece, and you can earn a tael for one garment.After deducting labor and other expenses, I earned more than before.

Moreover, under Huo Xi's guidance, the various bedding made by Yu's shop is also very popular among merchants.

The complete set of bedding, regardless of the craftsmanship, embroidery samples, or the selection of materials and colors, is quite well done, and Huo Xi likes it very much.He also signed an agreement with Yu's family, and selected his family's bedding as the exclusive supply of the store.

In the future, the North and South Merchandise Company will purchase a large amount from his family, and not only will it be sold in the shop in Kunming City, but will also be transported to the capital and other branches in the north for sale.

Yu Danbo couldn't help being overjoyed.

He also spent a lot of money to buy two yards and set up workshops, and hired all kinds of skilled female workers at a high price to make all kinds of bedding, ready-made clothes, and various embroidery products for the north and south goods stores.

Very busy.Not only did the business come back from the dead, but it also made more money than before.

Other cloth shops followed suit after seeing it, or came to learn from it...

The original cloth shop street has turned into a ready-made clothing street in a blink of an eye.

Some people specialize in men's clothing, some specialize in women's clothing, and some specialize in clothing for special groups such as the elderly and children. All the shops are full of flowers at once, and the clothes worn by all kinds of people all year round can be found in the original cloth shop and now the ready-to-wear shop.

There are also all kinds of small clothes, middle clothes, pajamas for ready-to-wear... There are also various accessories, such as girdles, belts, purses, nets, handkerchiefs, headgear and so on.

Buxing Street is busier than ever, and the crowds come like a cloud.