During the three months, Ling Jie lived a very peaceful life. In addition to discussing the Jiuzhou Group's affairs with Murong Qing every day, he often went to the lake to play Tai Chi. Occasionally, he would seek advice from Mengyao or compete with Qin Ba.
, Ling Jie discovered that Qin Ba was the top killer between S-level and SS-level that Qin Feng had mentioned.
Ling Jie is not impatient at all with the rapid development of Jiuzhou Group. After establishing his brand nationwide in Dreams, Qingyi, Xinyu, Land of Abundance, and the 22nd Century, Ling Jie changed his previous desperate strategy and regained the distribution benefits.
When it comes to the laws of the market, after all, this is
It is a long-term solution. Besides, things are different now. The five major industries under Jiuzhou Group are well-known. Dealers are willing to pay a little more to sell Jiuzhou Group's products. After all, they are famous brands and are used by 1.2 billion people.
A product that everyone knows and trusts!
The total assets of these five major industries alone have reached 400 billion yuan. This does not include the liquidity of Bank of Jiuzhou. In fact, Bank of Jiuzhou’s core competitiveness relies on higher interest rates than state-owned banks. Even though Bank of Jiuzhou now has
Very strong financing capabilities, but after all, these funds are deposited with you by others and cannot be regarded as your own money. You still have to pay them back to others after all. Because the interest rate is too high, Jiuzhou Group will make losses every month.
Nearly one billion!
One billion, this is an astronomical figure, so much money is used to pay for water stamps every month! Ling Jie looked as if someone had cut a piece of flesh out of his body. But there was nothing he could do.
One percentage point is the core advantage of Jiuzhou Bank in competing with state-owned banks. Once the interest rate is lowered, Jiuzhou Bank will immediately lose a large amount of funds!
As the working capital expands, the interest lost every month will also increase. In other words, the more Jiuzhou Bank grows, the more money Ling Jie will lose! He has already lost nearly 3 billion in three months.
!This is definitely an immeasurable loss!
Ling Jie even wavered in his determination to dissolve Jiuzhou Bank many times, but in the end Ling Jie still believed in the power of finance, which would definitely bring him unexpected gains in the end, so he persisted.
In the fourth month, Jiuzhou Bank's liquidity surpassed Central South Bank Yiyue for the first time to become the largest bank in South China, with inflows exceeding 1.4 trillion yuan!
This means that 1.4 trillion yuan was deposited in Jiuzhou Bank in September. Assuming that this amount remains unchanged, 84 billion yuan of interest will need to be paid every month in the future!
This is undoubtedly a catastrophic blow to the Jiuzhou Group - either the Jiuzhou Bank is declared bankrupt, or it continues to hold on, and the entire Jiuzhou Group will be dragged down in less than two months!
Ling Jie pressed the temples next to his forehead and rubbed them vigorously. He was sitting in the office smoking a cigarette. The ashtray was already full of cigarette butts, and a faint green smoke filled the whole room.
"It's strange. In August, just last month, the inflow of funds into Bank of Jiuzhou was only 200 billion. How come it suddenly increased to 1.4 trillion? This speed is too fast." Ling Jie kept turning over it.
Looking at Jiuzhou Bank's account records, one could not see any flaws from beginning to end. However, this huge gap always made Ling Jie feel uneasy.
The inflow of funds last month was only 200 billion, and this month it suddenly increased to 1400 billion? These two eye-catching figures were like knives dangling in front of Ling Jie's eyes.
"Bang! Bang! Bang!"
A sudden knock on the door interrupted Ling Jie's thoughts, and Ling Jie raised his voice and said, "Come in."
Xin'er opened the door and showed a smiling face, "Brother Ninth, there is a person who calls himself Yingfengtang and keeps saying he wants to see you."
Yingfengtang? Ling Jie frowned and quickly remembered that he had indeed paid people from Yingfengtang to find out Wang Han's whereabouts. Could it be that they had already found out...
Since the last incident, Xin'er has successfully become Ling Jie's personal secretary. Ling Jie liked her and said, "Let him in."
"Okay." Xin'er's face looked a bit like Ling Jie's when she spoke. Ling Jie's expression was nine points dull and one point sharp. But Xin'er's expression was three points plain, three points smiling, and three points sharp.
Passion is profound.
After a while, the same man from last time walked in. He slowly walked to Ling Jie's desk and sat down. He put a stack of documents on the desk and said, "This is all Wang Han's information, from childhood to adulthood, what day
Where I washed the algae, how long I washed it, when I had a fight with my classmates... everything is recorded on it."
Ling Jie took the document and took a look. It was exactly as he said. The records were very detailed. There were more than sixty A4 sheets of paper. "Where is she now?"
The man said, "In Huanan City, a waiter at the Blue Hotel."
…
In winter in South China City, the leaves on both sides of the street are covered with a thin layer of frost, and the ground is as cold as a thick piece of ice. The originally noisy road is obviously ridiculed.
In front of the Green Hotel is a small park covering an area of about two acres. Usually many lovers here like to go on dates and so on, but in winter it becomes a deserted land where no one has set foot, and there are only a few cats and dogs at most.
I will pass by here. It is said that a friend once saw a pig passing by here...
It was exactly nine o'clock in the evening when Ling Jie arrived at the door of the Cyan Hotel. For the hotel, it was the peak business period. As soon as Ling Jie walked in, a very beautiful and sexy woman came up to him, "Sir, may I ask?
What do you need?"
Normally, coming to a hotel is nothing more than drinking, eating, and lodging, but this woman didn't ask that, but asked a very sensitive question, "What do you want?" It was obvious that there was unfair service in this hotel.
For example, women...
Ling Jie said, "I want a waitress named 'Wang Han' to dress me up, and also give me the most upscale suite."
Ling Jie was not interested in this woman at all. After finishing speaking, he walked directly to the side. The woman immediately caught up with him, "Do you want to open a most high-end suite?"
She didn't seem to believe her ears, and looked Ling Jie up and down, as if she wanted to judge whether Ling Jie could afford the money based on what he was wearing.
Ling Jie felt very unhappy. This guy clearly looked down on him. Ling Jie took out a wad of 20,000 yuan in banknotes from the pocket behind his back, stuffed it into the woman's belt, and directly stuffed it into her underwear. The woman gently
The ### was called out.
"This is your tip, why don't you hurry up and prepare it!" Ling Jie said coldly.
The woman was stunned. This pile of money was at least more than 20,000 yuan. More than 20,000 yuan was still a tip... Oh my God, I met a rich man today. "Yes, yes, yes, I will prepare it right away. Sir, please..."
Ling Jie was taken to a luxurious suite on the ninth floor. The place indeed looked very luxurious and tidy. Ling Jie nodded with satisfaction, opened the red wine in the refrigerator and drank it slowly by himself.
About five minutes later, the woman pushed a very pretty woman into the door of the room, and smiled at Ling Jie, "Sir, please enjoy it slowly. If you need other services, just call me anytime."
After saying that, he locked himself up and left, leaving Ling Jie and the pretty woman alone in the room.
Ling Jie took a sip of red wine and said, "What's wrong? Don't you even recognize your man?"
This person is indeed Wang Han, and Ling Jie will not forget that he and Wang Han once had sex in the cell, and therefore he became Wang Han's first man in his life.
Almost a year later, when Wang Han saw Ling Jie again, he was not angry. On the contrary, he showed a bright smile and slowly approached Ling Jie, "You're here."
In view of Wang Han's astonishing scheming and extraordinary wisdom, her wisdom was especially higher than that of Murong Qing, Ling Jie didn't think that her smiling at him meant she was friendly.
Ling Jie stood up and pulled out the chair across from him, picked up a cup, filled it with red wine, and then sat back down in his original position, "Please sit down."
Wang Han was dressed very elegantly today, wearing a white down jacket that reached her knees, black tights, long red boots, a thin silver skirt exposed under the down jacket, a light pink scarf, and her black hair spread over her shoulders.
, looks very sexy and clear.
She walked to the opposite side of Ling Jie, stared at Ling Jie's face seriously, suddenly smiled, then sat down, picked up the wine glass and pointed it at Ling Jie, "I respect you."
Then he drank it in one gulp. Ling Jie also lost his grace and drank it in one gulp.
Wang Han filled a glass of wine for Ling Jie and then filled it for himself, "It's been a year since I last saw you, and you're so handsome again..."
Ling Jie suddenly felt very angry, "It should be because you have become more beautiful, but I don't understand why you come to a place like this? Do you...sleep with guests every day?"
After saying this, Ling Jie's eyes were filled with fire, as if as long as Wang Han said "yes", Ling Jie would immediately pounce on her and give her a few blows.
Wang Han smiled and said, "What? Are you caring about me, or are you questioning me?"
Ling Jie took a deep breath to calm down and said, "I must be concerned."
Wang Han said, "I like to receive guests, I like other men to go to bed with me, and I like the feeling of them entering my body. Are you satisfied?"
Wang Han's voice was very cold, with a bit of contempt.
Ling Jie's arms suddenly trembled. Today, Ling Jie is not an impulsive person, but after hearing Wang Han's words, he started to tremble completely. He immediately stood up, took Wang Han's hand and walked into the room.
Wang Han struggled hard, "Let go, what are you going to do? Let me go."
"What are you doing? Didn't you say that you like men to enter your body..." Ling Jie used more force and pulled Wang Han directly into the door of the room.
"Ah... If you don't let go, I'm going to shout... Help, someone is going to ###..." Wang Han shouted with all his strength.
"No one will care about you." Ling Jie pushed Wang Han on the bed and pulled off her clothes. Wang Han kept struggling. Although she had had sex with Ling Jie before, if she didn't have sex at all,
It is unreasonable to be overthrown immediately if you resist, so more or less resistance is essential.
Wang Han's struggle was obviously vulnerable in front of the horny Ling Jie. Ling Jie held one of Wang Han's arms tightly, and the other one directly reached down and lifted up Wang Han's dress.
Got up.
The slender white thighs and the small black lace briefs hugging a small bun-like hillock were all very tempting to Ling Jie.
Ling Jie took a breath and put his hand into the indentation between the steamed buns under Wang Han's crotch for a few times. Wang Han's crotch was already so wet.
Women who have tasted the forbidden fruit with the man they like are usually very lustful in their hearts. They just want to maintain the reserve of girls and they will not show it. Now Wang Han is being ###### by Ling Jie
After a while, the bones had already melted, and she gave up struggling. One hand reached for Ling Jie's broad back, and the other boldly reached for Ling Jie's crotch, pinching Ling Jie's erection.
Ling Jie was not a master of flirting, so he would not tease Wang Han at all. Seeing that Wang Han was already in love, he pulled Wang Han's briefs aside without hesitation. Immediately, Ling Jie's finger
, also entered Wang Han's body and slowly moved back and forth###.
Ling Jie used his fingers definitely not to tease Wang Han, but to feel the smoothness and heat inside Wang Han's body.
Wang Han already liked Ling Jie, but when Ling Jie teased her like this, her vagina immediately spurted out and stuck to her thighs, making her look extremely shiny.
Ling Jie took off his own clothes and clamped one of Wang Han's thighs around his waist. He didn't take off Wang Han's underwear, but just pulled her underwear aside...
…
Immediately, I got on the occasional passing traffic, and my speed became faster. It was still snowy and frosty outside the window, but the temperature inside was rising steadily.
About half an hour seemed like a long time, but it was very satisfying. Ling Jie leaned on the bedside, lit a cigarette, and slowly smoked it out.
There is a saying that when a man has cigarettes and wine, he also has a story. A man who frowns while smoking is fatal to his sister. Even a woman like Wang Han can’t help but
He glanced at Ling Jie a few more times and asked, "Is there anything you can't solve?"
Wang Han knew Ling Jie's character very well. If he didn't encounter something very difficult, Ling Jie would not have such an expression. Ling Jie told the story in detail, and he felt vaguely,
Wang Han is likely to solve this problem.
Wang Han also frowned after listening to Ling Jie's narration, "This is indeed a big problem. Jiuzhou Bank should not have taken such a route in order to rise rapidly. It is three percentage points higher than the state-owned banks. God
Well, this is definitely the craziest thing this year. Obviously, the inflow of funds soared to 1.4 trillion in one month. There must be someone behind the scenes, otherwise such a thing that violates the laws of the market would not be possible."
Ling Jie nodded and said, "Yes, the inflow of funds last month was only 200 billion, and this month it suddenly increased to 1400 billion. There is no buffer room at all. At the moment, Jiuzhou Group seems to have only two paths.
But let’s go, either give up Jiuzhou Bank, or continue to hold on, Jiuzhou Group will inevitably collapse in less than two months!”
Having said this, Ling Jie took a long puff of cigarette, swallowed it all, and then puffed out a long puff of smoke from his nose.
Wang Han wrapped his body in a quilt and leaned against the bed. "So, when you decided to take this crazy route, you must have expected that such a situation would happen in the future. Didn't you have any countermeasures?"
Ling Jie said, "I have thought about it, but I didn't expect it to come so soon. The original plan was that when Jiuzhou Bank entered the top twenty in China, it would help underwrite national bonds or corporate bonds and collect underwriting taxes to maintain the bank.
operations, but now Jiuzhou Bank simply does not have such strength, but it is facing such a huge disaster."
Underwriting national bonds and corporate bonds is a very important function of a bank, and the underwriting tax will be an astronomical amount!
Wang Han said, "It's a good idea, but now the disaster has been brought forward. According to your opinion, the current Jiuzhou Bank only has a deposit function, right?"
Ling Jie thought for a moment and nodded, "It's basically like this. Originally, the bank could also use the money to invest, but because of the current deposit interest payment system provided by Jiuzhou Bank, the bank must ensure that the funds are absolutely sufficient at all times.
!”
Wang Han said, "So, as long as we find a way to extend the customer's deposit period, the money in Jiuzhou Bank can be used for investment, right?"
Ling Jie said, "I have thought about this problem, but there is no way. This is the promise made by Jiuzhou Bank to its customers when it opened, and it cannot be changed at will."
Ling Jie said it was very honest. If a customer only wants to deposit for one month, and you force him to deposit for two months, it will definitely affect the good image of Jiuzhou Bank. Customers cannot force you. Besides, Jiuzhou Bank now has the highest deposit period.
But it's only six months, the average is only about two months, because others are still a little worried. With a two-month deposit period, Ling Jie can't use bank money to invest at all. Why?
It's very simple. No matter how good a project is, it's impossible to make back the money within two months. Once the bank's money is transferred, it can't be repaid within two months, and customers can't withdraw their own money... That's no fun.
It’s over…
Wang Han smiled and said, "That's easy. You can increase the bank's deposit interest again. The longer you deposit, the higher the interest will be."
One sentence woke Ling Jie up, and Ling Jie was stunned.
Wang Han continued to explain, "For example, the interest rate after one month of deposit is 6%. After two months of deposit, you can adjust the interest rate to 6.003%. After three months of deposit, the interest rate is more...
By analogy, customers will naturally save money for a longer period. If the period of depositing money is longer, you can use the strong funds in Jiuzhou Bank to invest and return the principal within this time limit. Such a turnover will greatly improve the financial performance of Jiuzhou Bank.
The problem is solved.”
After Wang Han finished speaking, he reminded, "But I have to remind you that even if you do this, it is still a very dangerous thing. If you do something wrong, your Jiuzhou Bank and Jiuzhou Group will not only collapse in an instant, but also you
It will also be burdened with an astronomical amount of debt. Since Jiuzhou Bank was established, its path has deviated from the market rules. Although it may achieve good results in the short term, in the long run, if Jiuzhou Bank does not change
The route will definitely collapse!"
Ling Jie felt a little guilty. What Wang Han said was not alarmist, "Once a bank is established, it will be a monster. If you don't control it well, it will bring disaster to you in your life. Now Jiuzhou Bank has one bank every month."
Forty million in inflow funds, this is such a huge amount of money. Once something happens to Jiuzhou Bank, the Jiuzhou Group behind you will not be able to save it. It can only watch helplessly as it is implicated."
Ling Jie put the cigarette butt in the ashtray next to him and lit another cigarette, "You just said that there must be a mastermind behind these 1.4 billion funds. Who do you think it might be?"
Wang Han didn't even think about it and said directly, "Besides the Rockefeys and the Rothschilds, who else in the world can activate such a large amount of funds with just a wave of his hand, and do it in a watertight manner?"
The Rockefey family mainly controls oil in the Middle East and makes its fortune from oil. The Rothschilds make their fortune entirely from financial banks. The latter is more likely than the former, and I don’t know which one it is."
Ling Jie's throat felt numb. He didn't expect that he would attract the attention of the two major financial hegemons in the world so quickly...