The bank president felt bitter at the corner of his mouth. Anyone would feel bitter after being ignored.
But no matter how bitter he was, he still maintained a pretty good demeanor, followed Cheng Yu and Guan Lu all the way, and sent them out.
Seeing that Cheng Yu had walked to the side of the road, the president sighed and thought to himself, at least this month's deposit-taking performance will drop significantly, and he doesn't know how long it will take to make up for it.
He couldn't help but start to envy the colleague whose name he didn't know, who had inexplicably increased his savings by more than 20 million without any effort.
Guanlu took the car, and after Cheng Yu got in, he waved his hand and shouted: "gogogo..."
After hesitating for a moment, Guanlu said: "Cheng Yu, why didn't you have a good talk with the president just now?"
"What's there to talk about? He just wants to keep the money in their bank..."
"It's not a lot of money, but it's definitely a lot of money. If you transfer it to another bank all of a sudden, their performance this month will be greatly affected."
"What does that have to do with me? I don't have an account in their bank." Cheng Yu felt that the pipeline was a bit puzzling.
Guan Lu sighed and said: "Brother, do you really not know or are you pretending not to know?"
"What do you mean?" Cheng Yu seemed to notice something.
"To be honest, it is rare for people to have 20 to 30 million people in their private accounts all at once, even those with billions of assets. It is even rarer to have them all under the same account and in the same bank at the same time.
Didn't you see that the president was sweating just now? This has a great impact on the performance of their business office. So, if you can agree to keep that money with them, you will definitely enjoy a lot of benefits.
of."
"If it's not all put under the name of the account, what's the benefit?" Cheng Yu still didn't understand.
Guan Lu shook his head speechlessly and said: "You are actually majoring in economics. You understand the big principles better than anyone else. You don't understand the unspoken rules in the financial industry at all."
"Just tell me what good it can do."
"For example, if you make a promise to the president, the money will stay in his business office's accounts for at least as long as it will last. Even our company can open a company account with them. If it's too much, we can't tell you how long the money will be.
There won’t be much of a problem with an annual interest rate of more than five points. Then, you can enjoy a lot of procedural conveniences at their bank in the future. Even if you need a loan or something, they will help you more conveniently than other banks.
Handle..."
Cheng Yu's eyes widened and he said nonchalantly: "More than 20 million, five points of interest a year? Isn't that just over one million?"
Guanlu nodded, and Cheng Yu added: "But I can't possibly leave this money in their bank for more than a year..."
"No one asks you to save for a year. Usually, you can enjoy all this if you promise thirty days or at most forty-five days. After all, it is such a large amount of cash. It is not as simple as transferring accounts between companies! Every company
Every bank and every business office has a certain task of collecting deposits every month."
"Is there such an operation?"
Cheng Yu fell silent, and his mind began to spin.
Banks in China look like a certain financial department set up by the state. However, with the emergence of private banks in recent years, even personal capital has begun to intervene in the banking industry. Everyone has begun to understand that banks are essentially like an enterprise or company.
There is no essential difference.
Attract depositors, obtain enough funds from depositors, and then give depositors a certain amount of interest.
These funds are then used to issue loans through various channels.
There is no doubt that the interest on loans is much greater than the interest paid by banks to depositors, which is the basis for banks to make profits.
The more depositors a bank attracts, the more funds it has and the greater its room for turnover.
To put it bluntly, the bank's own funds are very limited, and it relies more on the turnover of funds between large and small customers to make profits. Unlike traditional industries, the bank's goods are currencies, and corporate accounts can cost tens of millions or even more.
Hundreds of millions of funds may not seem like much, but in a personal account, even if it is millions or tens of millions, it is a considerable amount of funds.
In a city like Wudong, which ranks among the top ten in the country, you need to make an appointment in advance to withdraw hundreds of thousands of funds from the bank, let alone millions or tens of millions.
It is almost difficult to withdraw money like Cheng Yu's. Even transferring money is a nerve-wracking thing for such a business office.
That is to say, there was a very close flow of funds between Zhou Datong's family and this bank, so he was able to get the bank to issue a cashier's check in such a short period of time and help Cheng Yu successfully transfer the money.
If it had been anyone else, it would have been impossible to do this without an appointment of three to five days and with more than 20 million yuan.
"Then why didn't you tell me earlier?" Cheng Yu was very depressed as he waited for the pipeline.
Guan Lu sighed and said, "How did I know you were such a novice?"
"Then you mean that I should go to the bank where I applied for the card to transfer the money back now?"
"It's not necessarily necessary to transfer it back, but at least you can go to the other party's bank to express your attitude and see if they can give you some discounts. Moreover, they have only gone through the procedures and the money has not been actually remitted, so it should be OK.
Directly revoked."
"Anyway, it means that no matter where I put my money, I can negotiate a high interest rate with them and receive over 100,000 yuan in a month?"
Guanlu nodded and said, "That's pretty much what it means."
Cheng Yu opened the door without hesitation, got out of the car, and went straight to the bank.
The vice president had just returned to the business hall and was about to go to his office on the second floor. He heard the rapid footsteps behind him and subconsciously looked back.
Hey, why is Cheng Yu back again?
"Mr. Cheng, do you have anything else to do?" The president tried his best to put on a smile and walked back.
Cheng Yu said quickly: "Oh, I was in a hurry just now and ignored you. I'm sorry."
The president smiled bitterly and said: "It's okay, you have something to do, I understand."
"Did you just hope that I could transfer the money back to your bank?"
The president was stunned for a moment, then his eyes lit up and he said: "Why did Mr. Cheng do this intentionally?"
"Then it depends on what conditions you can give me."
The president was delighted when he heard this and hurriedly invited Cheng Yu back to the VIP room and began to discuss the matter with him.
In the end, an interest rate of 4.80 per year was negotiated, and Cheng Yu guaranteed that at least 15 million of the money would remain in his personal account for more than a month.
After one month, Cheng Yu can withdraw all the funds, but if no withdrawal is made, the interest rate will still be calculated at 4.8, up to half a year.
At the same time, his and Guan Lu’s company accounts will also be opened in their banks.
The president hurriedly asked people to go through the cancellation procedures. Although he paid a fairly high interest rate, he also maintained this month's performance. Of course, the president thought it was worth it.
The rest of the matter was simple. The president directly gave Cheng Yu a new bank card with a total of 23 million in cash. At the same time, he signed an agreement with Cheng Yu and that was it.
Back in the car, the manager asked about it, and Cheng Yu told him what happened.
Guanlu nodded and said: "It's okay. At 4.80, our company's capital injection will last for three months. It won't be a problem. You can get at least 189,000 yuan in interest on that money."
Cheng Yu didn't say anything. What he was thinking about was how many points he would get after the money was completely accounted for.
