In the afternoon, several shops on the north-facing commercial street proactively approached Daqi Bank seeking cooperation.
At this point, He Yunxiao hid and let Sister Du, the upright character, deal with them.
After several rounds of negotiations, these companies received discounts one level lower than those offered to the first batch of partner stores and happily went home.
He Yunxiao and Du Meimei discussed that the preferential policies couldn't be too generous, as Daqi Bank's actual financial situation was quite weak, and if the preferential policies were loosened, it wouldn't last long.
Du Yinyun carried out He Yunxiao's instructions very well.
The first few stores in the second batch of cooperation received immediate subsidies on the same day. However, stores that negotiated cooperation later could only receive delayed subsidies promised by Daqi Bank. This means that the stores had to subsidize the discounts upfront, while Daqi Bank promised to pay them a month later.
Later on, as the user base of the gold and silver coupons grows, various discounts will have to be gradually phased out. Otherwise, back then, every subsidy would involve throwing out massive amounts of money, with no end in sight.
While Du Meimei was negotiating business on the second floor, He Yunxiao slipped down to the first floor to inquire about the gold and silver coupon exchange situation that morning.
This morning, Daqi Bank exchanged more than 1,000 taels of gold and silver certificates, most of which were small denominations such as one tael, two taels, and ten taels. There were not many people exchanging even twenty-tael gold and silver certificates.
This shows that most of the people exchanging gold and silver certificates nowadays are ordinary people, and very few sons of the powerful or wealthy families come to exchange them.
This cannot be entirely blamed on Yin Jing's wealth. Among the several partner shops, only Yaohui New Porcelain can be considered to offer mid-to-high-end products. As for the others, when the young masters and ladies buy things, they probably don't even ask for change, let alone ask them to go through the trouble of exchanging gold and silver coupons for a little discount.
You still have to make money from the rich; that's the real way to make money.
He Yunxiao understands the psychology of young masters better than anyone else.
They don't lack food or necessities at all; they buy things purely for face and to show off. As long as these two requirements are met, the price of a single stone can be driven sky-high.
He Yunxiao changed his approach. After the previous group of business people left, he found Sister Du and said, "Yinyun, when you talk to them about cooperation again, make sure that each shop launches an item that can only be purchased with gold and silver coupons."
Du Yinyun dared not be careless in business, so she said seriously, "Understood."
He Yunxiao hugged Du Meimei and asked her affectionately, "Are you tired? If you are, feel free to rest. You're the one in charge of this bank."
Du Yinyun was both amused and exasperated. "Didn't you hear what Yinyun had to say, young master?"
He Yunxiao would never do something like eavesdropping on his wife. "No, how did you talk to her?"
Du Yinyun smiled and said, "Next time someone comes, young master, why don't you stay and listen once?"
He Yunxiao also wanted to know how Sister Du negotiated business, so he agreed.
The impact of having several partner stores offer substantial discounts did not disappoint He Yunxiao. This afternoon, stores came in droves to discuss cooperation. Basically, one would leave soon after the next one arrived.
As luck would have it, the person who came to sit in on the class was actually a familiar face.
The fat man at the Big Fat Fireworks Shop.
He Yunxiao pretended to be just an ordinary note-taker. When he saw Da Pang arrive, he quickly lowered his head to take notes, otherwise he would scare Da Pang away.
When Da Pang arrived at the second floor of Daqi Bank and saw Du Yinyun, he was first, as usual, stunned by the heroine's beauty, and then stammered, "Uh, ah, fairy lady..."
Du Yinyun looked up, seemingly uninterested in the collaboration, showing no enthusiasm or initiative whatsoever. Instead, she coldly asked, "What is it?"
After arriving at the second floor of the bank, Fatty Liu didn't dare to sit down. Instead, he stood and said, "Fairy, I am Fatty Liu. I own a shop on this street. I'm looking for Young Master He Yunxiao. I wonder if he's here..."
Du Yinyun, accustomed to a cold tone, said, "He's not here. If you have nothing else to do, you can leave."
"Yes! Yes! I'd like to discuss the gold and silver certificates with Young Master He..."
Du Yinyun glanced at He Yunxiao, who quickly sent her a telepathic message: "You decide for yourself. I'm not familiar with him."
Du Yinyun knew that He Yunxiao was always enthusiastic about cooperation, but when facing this fat man, he said he was "not familiar" with him. She said directly, "We can't talk, you can go back."
How could Liu Dapang possibly go back?
The shop next to his house that he collaborated with He Yunxiao on is now selling like hotcakes!
The line of customers had already stretched all the way to the entrance of Big Fat Fireworks' own shop. And even then, the line was still growing.
Moreover, it is said that the store's low prices were entirely at He Yunxiao's behest. Not only that, but He Yunxiao also subsidized all the losses incurred due to the low prices. He Yunxiao would make up for every penny lost!
Liu Dapang was filled with regret. Why hadn't he agreed to such a good deal in the first place?
He Yunxiao is, after all, the son of a marquis. He can run away, but he can't hide. Why didn't I believe him in the first place?
“Fairy lady, I, Liu Dapang, sincerely want to cooperate. Please give me a chance.”
Liu Dapang bowed deeply to Du Yinyun, almost kneeling down in front of He Yunxiao.
When He Yunxiao said they weren't familiar with each other, Du Yinyun showed no mercy whatsoever.
"We can't talk about it."
Liu Dapang offered concessions, bribes, and threw a tantrum with tears streaming down his face.
As a result, Du Yinyun simply wouldn't budge.
The answer to him was always: "We can't talk about it."
After Liu Dapang left dejectedly, He Yunxiao asked Du Meimei, "Yinyun, you really didn't have to refuse like that. You could have just given her a smaller discount."
Du Yinyun said, "Young Master is soft-hearted. Why didn't you say this to me when he was still here?"
He Yunxiao said awkwardly, "I saw how firmly you refused, and I didn't want to offend you."
Du Yinyun smiled and said, "Yinyun refused because she was considering the young master's feelings. In the future..."
Seeing that Du Meimei seemed hesitant, He Yunxiao quickly interrupted her: "From now on, regardless of right or wrong, Yin Yun of Daqi Bank has the final say, and I won't interfere."
Du Yinyun blinked, her pretty face slightly flushed.
“It’s alright if it happens once in a while, young master.”
He Yunxiao: ?
Why does it feel like there's a two-meter-wide tire track on my face?
...
With the increase in partner stores, Daqi Bank's afternoon exchange business is significantly busier than in the morning.
But the problem remains: the users of gold and silver certificates were almost entirely ordinary people.
An item is easy to spread from top to bottom, but difficult to spread from bottom to top.
We must find a way to get the upper class in Yinjing, not to mention the princes and nobles, at least the纨绔公子 (playboys) should be able to use gold and silver vouchers.
When it comes to playboys, the first place that comes to He Yunxiao's mind is Chunfeng Tower.
Thinking of Chunfeng Tower naturally brings to mind Sister Jiang.
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