Chapter 36 36. Win over small customers

In the early 1920s, the bank industry in Shanghai flourished greatly. This was because opening a bank did not require a huge amount of capital. One bank could be opened with five to sixty thousand taels of silver, and the most were no more than one hundred thousand.Although the level of the bank is higher than that of the bank, but with about 200,000 yuan, it can still set up a shelf.For Huang Chujiu at the time, it was very easy to transfer 200,000 yuan from anywhere. The bank is located on the ground floor of the "Great World" along Aiduoya Road, next door is the "Common Stage", named "Shanghai Day and Night Bank".

In this way, it can be operated in conjunction with the "Night Market Exchange".The exchange opens for business at night, and the banks are open from morning to night, echoing each other.Every time the exchange closes a transaction, its delivery, receipt and payment are all handled by the bank.This creates a superficial phenomenon, the exchange under the "big world" here, and the "day and night bank" under the "big world" there, from the sun in the morning to the lights in the evening, there is a constant flow of people coming and going of.Coupled with the loud music and bright lights in the "big world", all of this shows Huang Chujiu's courage and energy. It seems that he is in his hands day and night, and every minute and second is in his calculations. Inside, there are opportunities to make money.

The most hopeful for Huang Chujiu should be a group of small depositors in the "Day and Night Bank".Huang Chujiu knew that his bank might not be able to attract big customers, so he could only win over small customers and collect their small money, which would be a considerable sum.This is a business that those big banks who think they are worth a lot disdain, but "Day and Night Bank" is willing to do it, which is to turn the disadvantage into an advantage.Huang Chujiu looked back on his history of traveling the world in Shanghai, and firmly believed that this trick had been accomplished repeatedly, and there was nothing wrong with it.

"Day and Night Bank" has two means to attract small customers: first, the interest rate is higher than other banks;The gate of the bank is open all day long, so you can go whenever you want to deposit or withdraw money, which is very convenient.This has greatly attracted a group of working people, such as rickshaw pullers, puller pullers, small stall operators, and even "aunts", "big sisters" and "grandmothers" who work in other people's homes. He lived frugally and saved some money, but he was not qualified to deposit it in a big bank because the amount was too small. Now, the bank opened by Mr. Huang Chujiu is keeping it for him, and he still has interest.

There are also a group of people who "do nightlife", for example, several gambling tables have been opened near the "Big World", and some people have good luck that night and win a fortune. Ready to gamble tomorrow.There are also prostitutes who sell themselves in Moertangzi (low-level brothels), "wild pheasants" who solicit customers on the road, and other people who use the night to make "black money" all regard the "Day and Night Bank" as their "vault" , scrambling to deposit money in.But then the bank collapsed, and they were the most troublesome.