Chapter 352 Social Dangers [Big Chapter Tickets]

He was thinking about making friends, but Mr. Wang didn't take the initiative to set the pace.

The smile is friendly, but the attitude is very reserved.

As the saying goes, a wife is worse than a concubine, a concubine is worse than a steal, and a concubine is worse than not being able to steal...

Human nature is base.

"Chu Xing is a senior, and you are so flattering, which makes me extremely frightened."

After a careful change of words, Mr. Wang finally only responded with this sentence.

Neither salty nor bland, a bit too literal, not approachable in attitude, and airy, but not lacking in etiquette.

Chu Hong's attitude was still so enthusiastic, even becoming more enthusiastic.

Although Young Master Wang seriously lacks social experience, his grasp of human nature is so accurate that he directly hit Chu Hong's G-spot with one needle.

For the elites in the financial system, having two faces is just the most basic professional quality.

If you are rich, then you are closer than your real father. You can serve tea and water, rub your shoulders, beat your legs, and saddle up before and after.

If you don’t have money, you won’t even look at me.

This is the reality of industries that deal with money on a daily basis.

Therefore, the more Wang Yan puts on airs, the more positive Chu Hong will be.

It’s hard to do well!

The more difficult a customer is to get, the more loyal they will be after they are dealt with, and they will not easily change businesses.

Young and old are all arrogant, how can they be like the grassroots wealthy people who are so willing to spend money and have breasts to be a mother? !

People's Livelihood is no better than the four major industries, and its strength and capabilities are far from each other. What we do is serve.

Chu Hong is very clear about the positioning of his bank, so he is even more willing to show shame. If he were replaced by the vice president of the same level of the Universe Bank, he would probably not be so licky.

Are you aloof?

Our universe is getting colder!

…

"Master Wang, an invitation is worse than a chance encounter. Today is really rare. I have promised you that you will take some time to go to my place later and I will make up for the meeting gift for you!"

Chu Hong's licking skills were so good that even if Wang Yan didn't lack anything, he was still very curious about it.

"You are too polite. What gift is so mysterious?"

"Actually, it's not worth mentioning to you, but I believe that you will definitely be useful sometimes."

Chu Hong said something else before giving an explanation.

"Our Minsheng is launching a new Infinite card this year, which is our bank's highest-level credit card. It competes with the ICBC Centurion Black Card. The more famous one abroad is called American Express Centurion.

Of course, our strength is incomparable with American Express, and the new card is not that strong internationally, but it is relatively new in China, and the benefits are very good. "

"oh?"

Mr. Wang suddenly lost interest and just cooperated with a hint of curiosity.

Just kidding, do you need a credit card?

What little so-called rights you have are not enough for me to take a breather, so why bother?

Chu Hong really couldn't imagine how perverted the boy in front of him was, and he was still popularizing science with great interest.

“24-hour exclusive customer service and the like are the most basic rights and interests.

In addition, there are 48 visits to the Magic City Yanli SPA every year, two dental cleanings and physical examinations from the Jiaotong University School of Medicine, 48 airport transfers, 8 golf trips, 88 fitness and swimming trips to five-star hotel venues, and premium memberships of Jilin Airlines, Hainan Airlines, and Singapore Airlines. , Ritz-Carlton, Shangri-La, Four Seasons premium membership, stay in all five-star hotels for three-for-two...

In the words of those card game experts, our Minsheng Infinite card is a life-recovering artifact with great value for money.

And the most important thing is that our cards are extremely beautiful, with titanium metal coating, thick and stylish, and can even be embossed with your signature.

Think about it, at a dinner party, everyone takes out their cards to pay the bill. When others take out their cards, they just get plastic cards. When you take out your cards, you directly overwhelm the whole audience. Isn’t it extra honorable? "

There are a lot of them, but only the last sentence is interesting.

For Young Master Wang, being handsome is the most important thing, and the rest can be put aside later.

But as an economics student, Wang Yan still asked one more question with a learning attitude.

"When you talk about good rights, you mean that the original consumption of those rights is enough to cover the annual fee of the credit card, right? Then, didn't your bank lose money?"

Chu Hong was happy that Wang Yan was willing to continue chatting, so he took the trouble to explain.

“We won’t lose money, but you will certainly make money.

The annual fee for a privately customized unlimited card is between 36,000 and 100,000, giving you the highest level of rights. The total related consumption, if you buy it all by yourself, is estimated to cost about 200,000.

Of course, you definitely don’t care about the 100,000 price difference, we are only talking about using the card.

If you have a consumption of 2 million yuan and swipe our card, the longest interest-free period is 50 days. You can use the 2 million cash that you should have spent immediately to buy one of our financial products - a daily interest of 10,000 yuan. There are quite a few that are a few cents apart, just pick whatever you want.

In 50 days, you will make a net profit of more than 15,000 yuan in interest. You can repay it when it is due without incurring any fees. You will also have a large amount of points, which is worth almost 6,000+ when converted.

Take your company's fixed expenditure on official transactions as an example. Assume that the fixed expenditure is 10 million per month. If all payments are made with credit cards from various banks, you will save more than 70,000 per month!

That's about one million a year, which is equivalent to a new car, or raising an extra female college student without spending a penny.

By extension, your company has to settle the salary and rewards to the anchor every month, which may become an astronomical figure in the future.

If you have the ability to let the platform settle the settlement for you half a month early and settle the anchor half a month late, how much spread income can be generated within a month?

Money begets money, isn’t that how it works? "

Damn it!

Bullshit...

Wang Yan didn't care about the money itself, but this idea was really inspiring.

It's like a new door has opened.

The currency knowledge he learned in the past slowly flowed in his mind, gathering into a river and accumulating into a lake, giving Wang Yan a sense of sudden enlightenment.

How do those large supermarket chains with low or even negative profits survive, or even live well?

It depends on cash flow!

As long as you have cash, it's not easy to get horny!

Wangting Entertainment is inherently a cash-flow-heavy company.

Assuming that the business is spread in the future, the company will train two to three hundred upper-level anchors, corresponding to about 50 platforms.

An upper-level anchor on a small platform has a monthly turnover of about 300,000 to 500,000, and a large platform can earn 2 million. On average, that is 1 million per person.

How much is that?

Two to three billion!

The market is not that big, so it is impossible to support so many big anchors?

Yes, the current market is indeed not that big. Let’s not mention the future market growth rate for the time being, just talk about the present——

Wang Yan can be praised by private officials!

The previous situation was that if Mr. Wang spent 5 million, he could get back about 85%.

What next?

As Wangting Entertainment becomes more and more powerful, it is enough to overpower the platform and get the best share ratio.

Panda TV, which is currently in negotiations, has given extremely generous and almost top-notch conditions.

After that, I personally recharged 100 million, 200 million, or even 350 million every month, opened various small accounts on 50 platforms, and the return rate reached 95% without any problems!

It’s even easy to swipe 1 million and get 1 million back, so that the platform can just make a lot of fun!

On this basis, the turnover of Wangting Entertainment will also be very scary. As long as it can achieve a monthly profit of 1%, it will be a huge profit!

The more Wang Yan thought about it, the more excited he became.

Damn it, others are losing money when washing mare's milk, how come you can make a huge fortune here?

It is true that you are not short of money, but wouldn't it be nice to invest the clean money you earn into charity and spend it on out-of-school children, seriously ill patients, and orphaned elderly people?

It smells great!

Of course, in order to make money, two prerequisites are still needed.

First, tax exemption policy.

Second, large-amount interest-free loans.

When it comes to taxation, Wang Yan does not intend to take any chances.

Just pay according to the normal payment, pay as much as you should pay, let's just use your own private money to subsidize the country.

Wang Yan will feel more at ease when he can make some contributions to the country and society with the extravagant wealth he has gained from panting.

As for large interest-free loans...

I'm afraid one unlimited card is not enough...

But it doesn’t matter, there are so many domestic banks, one for each bank, I can’t kill you!

What should I do if the live streaming platform doesn’t cooperate?

It doesn't matter. We can set up an overseas fund, open dozens of handbag companies, and acquire dozens of small platforms. They are not under each other and work on their own.

I don’t want you to make money, just balance your books and pay your employees’ wages, pay water and electricity bills and business tax.

The fittest survive among platforms, and so do employees.

The good platform that finally wins should develop and be listed on the market.

The good employees who win in the end will be promoted step by step and become the core team of the group!

Two or three years later, when your historical mission is completed, I will also have an elite team in hand and complete the substantial rule of the entire live broadcast industry!

The live streaming industry is indeed not big, but there are many things that can be done...

The moment Wang Yan made up his mind, an unprecedented shadow that shrouded the entire live broadcast industry like an iron curtain began to gather.

demon king?

Because of Sting!

…

The so-called pattern does not lie in the size of the industry, but in the perspective of looking at the problem.

Looking down from a high place, using the advantageous side of the industry to my advantage, and using it to the extreme, instead of getting stuck in it and struggling for it, is the pattern.

Inspired by Chu Hong, Wang Yan completed the overall layout of the live broadcast industry in an instant. The strategic plan was clear and clear, and he moved forward bravely without worrying about the gains and losses of one moment. He had just become a leader, his mind was clear, and his vision had reached a higher level.

The slight change in mentality was reflected in his temperament and attitude, making Wang Yan's performance more calm and leisurely, with an air of having the overall situation in hand.

He Miaomiao is simply a god-like woman. She noticed such a small change at the first time.

He looked at Wang Yan sensitively, and then looked at him suspiciously, shouting frantically in his heart: What's going on? Suddenly he looks like my dad!

Dog, what are you going to do? !

Wang Yan ignored He Miaomiao. She had no time to speculate. If she had that time, she might as well do something serious.

He asked Chu Hong with great interest: "Chu Xing, it sounds very interesting, but what about the amount? More than a million yuan is really not worth the trouble."

These words were so crazy that Chu Hong recognized them.

Subconsciously glancing at Miss He, the dignified President Chu swallowed his saliva.

Don't get me wrong, it's not because of her fairy-like appearance, but because she recognized Miss He's watch and earrings.

Simply estimate the price in your mind, darling, I can’t resist 15 million!

The appearance of the Vacheron Constantin Master S12G-9479 is so recognizable, with its woven pattern and nearly 200 top-quality diamonds. When it was born this year, it attracted countless ladies and ladies.

Price...€950,000.

The net worth of the female companion is so amazing, what kind of strength does Wang Yande have? !

It's definitely scarier than the rumors say!

Gritting his teeth secretly in his heart, Chu Hong said with a smile: "I will approve the 3 million quota directly for you at my discretion. No need to trouble you with anything! If it is any higher, I don't have the authority, Old Chu, so I can only ask you to cooperate... "

"I have good intentions, but I have a straightforward personality. It's not interesting to tell you the truth."

Wang Yan shook his head calmly, not showing regret or any interest.

After that, change the topic directly.

"I'm currently preparing to take pictures of a two-story office building in Shanghai, and I just have a question to ask you."

Chu Hong felt a little anxious, but he had rich experience and knew that he couldn't eat hot tofu in a hurry, so he was still very stable.

“You can say whatever you want, it’s my honor, Old Chu, to put forward some professional opinions and suggestions!”

"Thank you, I'm just in need of advice."

Wang Yan nodded and spoke slowly: "That's the item from the judicial auction on the two floors of the court, with an estimated price of 480 million and an auction price of 320 million. The location is...

I would like to ask, how does your bank price a similar asset appraisal?

If I want to use those two floors to inject Wangting Entertainment, how should I determine the value?

In the future, if Wangting Entertainment wants to use asset loans to expand its operations, how much cash can it probably lend?

As the saying goes, listening and understanding will lead to enlightenment. I would like to know Minsheng’s views on this type of project. "

Chu Hong was stunned, and a fiery light quickly ignited in his eyes.

Wang Ting Entertainment needs a loan? !

The bait thrown by Mr. Wang worked.

The intermediary business of domestic commercial banks is not very developed, and loans are the lifeline of banks. To put it simply and crudely, the ultimate purpose of domestic banks to absorb deposits is to lend them all out.

Of course, lend to trustworthy people and businesses.

So the actual situation is always very ridiculous——

The more qualified a large enterprise is and is not short of money, the more banks want to ask them for loans.

However, small and micro enterprises that are really short of money cannot get many loans.

Wangting Entertainment is considered a small and micro enterprise, but it is a special company with extremely good qualifications.

There is no debt, monthly income is exploding, cash flow is tens of millions, and you will even have a net worth of 500 million soon!

Office buildings in the Pudong core circle are used for mortgage loans, and there is almost no risk.

It may not rise much if it rises, but it is impossible to fall if it falls, it is very stable.

Chu Hong was excited and immediately began to think: How can we capture Wang Yan?

Just like him?

Ai Jialiang never said anything good about Wang Yan...

After thinking about it for a long time, his expression was very serious, as if he was thinking about Wang Yan's problem. That's what he meant.

In fact, such a simple question requires no brain work and can be answered by just resting your toes.

After the performance was almost done, Chu Hong finally spoke cautiously.

"Normally, we will use the data from the designated third-party appraisal company and combine it with the opinions of the internal credit department to make a comprehensive credit limit confirmation.

I don't know who issued the evaluation report for your office building at the moment, but from my experience, the valuation of 480 million is not a big problem, and Haiguang Building is definitely worth that price.

The peak season for renting and selling office buildings will begin after next year. When you do another evaluation, it may even be worth more than 520 million.

If you need it, Lao Chu, let me help you intervene. 600 million is not impossible...

We grant credit at a maximum discount of 30%, and can give your company a maximum mortgage loan amount of more than 350 to 400 million.

In addition, your company's overall market value and profit margin will affect the interest rate of the loan.

Your company has not yet been listed. The conventional method of calculating market value is nothing more than price-to-earnings ratio or price-to-book ratio. Your company's current price-to-earnings ratio is very good. However, since heavy assets are about to be injected, it is better to calculate it based on price-to-book ratio.

Generally, the valuation is twice the net assets. In other words, your company can definitely be called a large enterprise with a market value of 1 billion!

The current benchmark interest rate for loans is 6% for less than 5 years and 5.6% for less than 1 year. Based on your conditions, the interest rate must be reduced by at least 20% to be considered sincere!

I think there should be many peers competing for it. "

Um? !

Can the bank's base interest rate still go down? !

Young Master Wang was shocked.

No matter how many books you read and how much theoretical knowledge you master, you still won’t understand the turmoil of real society without actually experiencing it.

Of course the grassroots people cannot enjoy that kind of treatment, but for large companies, related households, and potential stocks, what does the floating interest rate mean?

Chu Hong didn't find any expression on Wang Yan's face. He was afraid that the young master would be dissatisfied, so he was trying hard to hold back his bad feelings.

‘Young Master Wang is full of energy and takes beautiful girls with him wherever he goes. Maybe it will be miraculous if he turns around and lets the flowers show off? ’

That's definitely not possible. Our young master is not that kind of barker.

The upright Wang Congrong smiled and waved his hand: "Chu Xing is overrated. Our Wangting Entertainment is just a small company. We bought two floors. I personally hope to give employees a sense of belonging and stabilize their military morale.

When I inject capital to the level of 1 billion, I will have the nerve to pretend that I am a large company..."

It's called modesty, but it's actually showing off your wealth.

When it comes to pretending, Wang Yan is definitely a master.

Chu Hong's heart was so hot that he bit the hook so hard that he wanted to jump up with the fishing line.

It’s still the same sentence: Human nature is base.

The more careless Wang Yan was about the loan, the more Chu Hong wanted to lend it to him.

In fact, it's not that the vice president is particularly easy to fool. If it were someone else acting for Chu Hong, he would only get two sneers and a ridicule: Silly beep!

Wang Yan was different.

Chu Hong's opinion of the young master is: his strength is unfathomable.

If a normal person were to judge the whole thing, they would think that Mr. Wang is not short of money.

If you are really short of money, just don’t buy those two floors and invest the 320 million directly in Wangting Entertainment. How much can you do?

Is it a mistake to buy a house with cash first and then take out a loan?

Crazy? !

Only people who are extremely wealthy would invest heavily in building a headquarters for an entertainment company in its early stages of development.

It’s not a necessary production equipment, and renting a building will not affect the business at all. Who else would bother with that thing if they weren’t a rich man?

Anyone with normal intelligence would make the same judgment.

Who would have thought that Wang Yan actually had nothing and was short of money, so he expected the two-story office building to provide food?

Therefore, Chu Hong was not unjustly cheated.

At present, the big banker has begun to consider how far the conditions should be relaxed in order to "coax" Wang Yan to open a basic account and make loans at home.

Hey, it’s hard to ask for help...

I can't bear to leave my wife, and I can't ensnare a gangster, so give me a favor!

"Master Wang, let's talk about other things slowly. You have to keep the meeting gift!

If you dislike that the credit limit of that card is too small, then do this. When you get the two-story office building, you can come to me to provide a proof of assets. The procedure is very simple and I guarantee that it will not waste your time!

Then I will help you apply for a super-large personal credit line and give you a card worth more than 20 million, which is almost enough for pocket money, right? "

Chu Hong's face was full of sincerity, but he was secretly laughing secretly.

If you really grant credit to our family, it will not be up to you whether we get a loan or not!

Play tricks with me, young master, you are still young!

Quack, quack…

With such kindness, what could Wang Yan do?

I have no choice but to give it a try!

"Okay, Chu Xing, you put so many high hats on me and don't agree to anything, it seems that I am particularly unhuman...

Then thanks to you, I can get a credit card and play...

Why! I can tell you in advance, it’s just this once, it won’t happen next time!

I hate owing favors the most in my life..."

Young Master Wang smiled bitterly, shook his head, and sighed. He looked like a young and successful second generation who was stuck in the trap of face and couldn't get off.

Chu Hong was so proud that he laughed.

"Master Wang, don't be ridiculous! Why do you owe me a favor? It's obviously my old Chu who has brought in another top customer to make a great contribution to the new card business!

Favor, I, Lao Chu, owe you!

Don't say too many polite words. You must give me a chance to thank you later! "

The actor was full of laughter and nodded: "Okay, I have got multiple credit cards with extremely expensive annual fees for no reason. I am not in a good mood! Next time I have a chance, I will kill you hard. Don't complain. Let's talk about it later." make friends!"

"It's done! A gentleman's words are hard to catch up with!"

Chu Hong was overjoyed, feeling that his relationship with Mr. Wang had finally made substantial progress, and he was extremely happy.

He Miaomiao glanced at the overjoyed Chu Hong with pity and rolled her eyes silently.

Idiot!

Although I don’t know where the trap is, but if Gou Zi didn’t deceive you, my princess’ surname will be Wang from Gou Zi from now on!

My father is also true. He always tells me about the dangers of society and the unpredictable nature of people's hearts.

Where is the danger?

Everyone looks like a retard, but the dog is the most sinister!

Huh? !

Gouzi is so insidious and cunning, has he ever tricked me?

Suddenly, the eldest lady finally realized that something was wrong.

……………………

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