Chapter 158 Deposit Processing

"Mr. Wu, since your company opened a special account, most of the deposits have not been processed. I wonder how you use this deposit? Should you buy financial management or deposit it on a fixed basis?"

Wu Yun also heard Zeng Guangrong's purpose, and remembered the incident of the future failure of shared bicycle deposits, and he had some thoughts in his mind.

"Zeng Xing, all our deposits are deposited in your branch, and it is not impossible to buy other products through you. But I need a guarantee!"

Zeng Guangrong was a little excited and full of redness. He has been paying attention to the development of the shared bicycle industry during this period.

I know that Xiaohongche has invested a lot of shared bicycles in all five cities, and this is not the saturation of the market.

These cities alone provide 10 million users. In the future, Xiaohongche entered provincial capitals and major cities. Wouldn't there be at least 100 million registered users?

The deposit will no longer be this mere 3 billion, but 30 billion or even more!

If Wu Yun’s guarantee requirement is not too illegal, he can agree even if he pinched his nose. If he can’t make a decision, he can report it!

If Wu Yun knew Zeng Guangrong’s thoughts, he would definitely laugh out loud. Thanks to Zeng Xing’s imagination!

"Mr. Wu, what guarantee do you need?" Zeng Guangrong sat upright and acted as if he listened carefully.

"Actually it's very simple!" Wu Yun glanced at Tan Shu and another young man brought by Zeng Guangrong.

Zeng Guangrong understood: "Xiao Wu, Xiao Tan, you go and check out first!"

After Tan Shu and Xiao Wu left the private room and closed the door, Zeng Guangrong made a gesture to say something.

"Please forgive me, Zeng Xing, because the next words involve our company's confidentiality and development plan. I believe Zeng Xing will only talk to Zeng Xing today."

"I believe Zeng Xing has a rough understanding of the profit model of our shared bicycle companies!"

Zeng Guangrong nodded and said with a smile: "Mr. Wu, I just figured it out now that the goal of shared bicycles is mainly to have a huge deposit and a huge registered user! With these companies' valuations, they must not rise slowly!"

Wu Yun nodded. The shared bicycle model is very simple. In fact, there were other industries doing this before, but the amount of deposit was not large. It was just that shared bicycles carried forward the deposit model, which became familiar to many people later.

Now there is still one or two years left to thunder. As long as it is operated properly, it will become a powerful tool for Wu Yun to attack his opponents.

"Zeng Xing should also know that our initial investment was only tens of millions! The subsequent bicycle payment was all the customer's deposit! Of course, our company did not make it obvious. Only one-tenth of the deposit was used!"

"But I believe that through the huge deposit interest, financial income and cycling income, we will definitely be able to make up the deposit in the near future to achieve balance of income and expenditure or even profit!"

Everyone can draw big cakes, just look at whether the cakes look good!

Zeng Guangrong ate this pancake and asked with a smile: "Mr. Wu, what guarantee do you need our ICBC to do?"

"The next thing, I hope Zeng Xing can keep it in my heart. After our multi-faceted investigation and analysis of competitors' practices in the same industry, we have always believed that the incident of the shared bicycle deposit burst was likely to be reported from the small yellow car! After our estimate, the small yellow car has embezzled more than half of the deposit!"

"Zeng Xing, I said! If a problem suddenly breaks out in the industry and customers frantically refund the deposit, the small yellow car cannot fill the hole, what do you think?"

Wu Yun's intermittent words made Zeng Guangrong shudder. At that time, the industry will be reshuffled, and the president who stored the deposit for the little yellow car would also be affected.

After all, Zeng Guangrong is just a larger branch president and has no experience in dealing with such serious commercial cases. He was a little confused for a while, but he was drooling at Xiaohongche's huge cash flow and was in a dilemma.

Wu Yun smiled and drank a sip of tea, without saying a word.

Li Qiuliang, who was standing by, smiled and comforted: "Zeng Xing, please rest assured that the development strategy we formulated will not misappropriate more than one-fifth of the deposit at most, so that no matter whether it is capital flow or crisis response, it will be as stable as Mount Tai."

Wu Yun then interrupted: "So I need to guarantee that, first, ICBC can give us the transfer account the right to transfer the user's deposit at any time when encountering such an incident. What I am talking about is that most users are together!"

Even banks need some time to deal with these tens of billions of dollars of capital flows.

Zeng Guangrong nodded to express his understanding. After all, when encountering such social group incidents, the bank is under great pressure. If Xiaohong throws the pot to ICBC and says that ICBC embezzles the deposit and cannot transfer it, then the crime will be great!

Of course this is just a low-probability event. As a cosmic journey, you have the confidence to take out those few billions at any time!

"No problem, Mr. Wu, this is guaranteed that we can do it easily!"

However, Zeng Guangrong didn't think that Wu Yun's guarantee was definitely not just this one.

Sure enough, Wu Yun smiled and said: "Secondly, when the deposit incident occurs, ICBC needs to quickly issue a certificate to prove that our company's deposit is dedicated to ensure that the user's deposit is monitored."

Zeng Guangrong naturally agreed, and while helping Wu Yun, he was also helping himself: "No problem! Mr. Wu, I can also report this article, and we will sign an agreement at that time!"

Wu Yun knew that these requirements were not excessive, and they were basically within Zeng Guangrong's authority.

"Third, of course this should not happen. That is, if Xiaohongche encounters refunds from all users, the original deposit loophole has not been filled yet. I hope ICBC can provide some assistance, loans, etc. in a timely manner. Of course, this should not happen. After all, we strictly stipulate the scope of use of the deposit!"

Zeng Guangrong pondered for a moment, then asked: "Mr. Wu, loans are OK, but what kind of mortgage should be used?"

Wu Yun tapped the desktop regularly with his right finger and said with a smile: "Company shares! Judging from the data of our company, we already have the potential to become a unicorn company! Moreover, our company is not a pure Internet company, and a large number of shared bicycles are also the company's assets."

Zeng Guangrong looked serious and was silent for a while before he slowly said: "Mr. Wu, I have to react to this point, and I have to evaluate your company before making a decision. Please forgive me!"

Wu Yun picked up the wine glass, stood up and said, "Okay, no problem! If it can be passed, I hope these terms can be written into the agreement! Then the two parties will send professional teams to negotiate for subsequent deposits!"

"Okay! Mr. Wu, Mr. Li hopes that we can cooperate happily!"

"Happy cooperation! I've done it!"
Chapter completed!