Chapter 379 Things Are Not that Simple

The complexity of getting a large-limit credit card was beyond Wang Yan's imagination. Chen Xi ran back and forth many times before he could completely get the materials.

It's even more troublesome when it comes to swiping your card. Large purchases must be confirmed by phone, and there are single-transaction limits and single-day limits.

Fortunately, we can talk about it.

The final result of the negotiation was that the single-day limit was 20 million and the single-transaction limit was 20 million - which is equivalent to no limit.

As for the normal credit card limit increase, don’t even think about it in a short time.

The corresponding restriction is that as long as the card spends more than one million, Wang Yan's deposits in Minsheng will be frozen for the corresponding amount.

Looking at it this way, does this credit card mean nothing?

it's not true.

There is a maximum 50-day interest-free period for card purchases, and the cash Wang Yan saved was accruing interest all the time.

The current deposit interest rate set by the central bank in 2015 is 0.35%, and each commercial bank can increase it by up to 30%. The highest current deposit interest rate is almost 0.455%.

Meanwhile, the minimum term for fixed deposits is 3 months.

However, what is more embarrassing is that when faced with large certificates of deposit, commercial banks such as Minsheng Everbright actually have one-month fixed deposits.

Mr. Wang didn’t know how to circumvent the regulation. Anyway, the one-month term could give an interest rate of 1.75%.

The difference between the rich and ordinary people is clearly revealed in this small detail.

Similarly, if you save for one month, 50,000 is 0.35%, with a maximum of 0.455%, while 1 million is 1.55%.

20 million is 1.75%, a full 5 times difference.

And Young Master Wang not only had a large deposit certificate of 20 million, but he was also the person Chu Hong tried his best to make friends with.

Therefore, the treatment is better.

Chu Hong specially opened a back door for Wang Yan, which allowed Mr. Wang to use the "margin" to purchase capital-guaranteed financial products of Minsheng's 7-14-day main investment currency fund and treasury bonds on a rolling basis.

The annualized rate of return is of course far different from those financial products that often charge 6% or 7%, only about 3.8%-4.5%.

But safe enough.

Overall, in 50 days, 20 million will generate interest income of 95,000 to 123,000.

Yes, Chu Hong did not ask Wang Yan to save 30 million, 20 million was enough.

Playing the long game to catch the big fish is really exhausting.

Regardless of whether he has a credit card or not, Mr. Wang wants to use the official credit card.

If you use a credit card, you will get an additional 7 to 8 million in interest income every year.

It doesn't sound like much, like just two days of breathing wages, but its significance is not at all in the benefits.

Actively integrating into the real financial system is a major hurdle that Wang Yan must go through.

Establishing a good relationship with the bank is an important step for Shenhaowang to come to the stage.

In addition, if you have a limit of 20 million from Minsheng, if you apply for a credit card from another bank, basically every bank will be willing to give you the maximum limit.

Applying for a card with a card will be very easy, and you probably won’t need to make a deposit.

Of course, the quota may not be as high as people’s livelihood, but it can be made up with quantity.

If more than ten cards can be added together to have a limit of 80 million, it will be absolutely amazing.

Use 30 million cash to recycle 100 million quota. If you manage it properly and stick to the billing cycle, you will make a lot of money.

Under normal circumstances, the big guys who can handle the 100 million quota don't like the petty profits, and the kids who like it can't handle it, so no one can play like that.

Wang Yan is a special case. In fact, he doesn't like the little profit, but he needs a cover up, so he is really suitable for this kind of play.

Open vests in dozens of banks...

Please call me a vest maniac!

Use loans to make trouble, use turnover to mess up the accounts, disperse breathing wages, and finally return them through Wangting Entertainment...

Perfect!

When I went out, I paid it out in pieces from dozens of banks, and when I came back, I paid it back in two pieces.

One sum went to Wang Yunxi and the other went to Shenting Capital Corporation.

Taxation is done at the two levels of Wangting Entertainment and Jinyan Investment. If nothing unexpected happens, Wang Yan will soon become a real big business owner with an annual profit and tax of over 100 million.

There is an entity and tax records, so no one can do anything to Wang Yan.

Many years later, if someone wants to find out how Mr. Wang started his business, he will only have one question - where did the funds for the auction of Haiguang Office Building come from?

As long as Wang Yan protects his parents well enough, the outside world can only draw one conclusion-their elders mine black gold.

The initial stage of Shenhao is the most fragile. Once it becomes popular, all the irrationality will be explained.

Brainstorming is the fate of human beings.

Following Wang Yan's step-by-step approach, today, the risk of financial exposure has been almost eliminated.

Thinking of this, the young master felt even more grateful for the [Attribute Modifier].

If you don't have 79 points of intelligence and have been foolishly wasting your time until today, disaster is probably not far away.

It would be a disaster to allow ordinary people to have endless money without giving them the wisdom to manage money.

…

After finishing all the details, it was already 5 o'clock.

Next, Chu Hong will entertain Wang Yan to a banquet and do secondary public relations.

The difficult Mr. Wang never let go of the basic account transfer, but he was not the kind of merciless refusal, which made Chu Hong's heart bristle.

There’s nothing to say, just catch him!

The banquet location was arranged by Chu Hong at the Bankers Club in the Bank of China Building next to Minsheng.

Chu Hong introduced proudly: "This is one of the top private clubs in the capital. It is as famous as the Yongfu Club and the Securities Association. It is equivalent to the Chang'an Club in the capital. Leaders of the capital often meet with guests here."

The appearance of the Bank of China Building is very beautiful, but the Bankers Club located on the 52nd floor, in the eyes of Mr. Wang, is just one word——

Old-fashioned.

There is no problem with Chinese-style decoration, but the problem is that it is not beautiful.

There are five-star suites on the 50th floor, a Western restaurant on the 51st floor, and a club reception and entertainment area on the 52nd floor. They are basically all in a rustic style that is neither Chinese nor foreign.

Young Master Wang felt inexplicably familiar, as if he was watching a TVB drama about wealthy families, and asked casually: "Hong Kong Island designer?"

Chu Hong was stunned and gave a thumbs up.

"Young Master Wang is awesome! You really don't look like you are new to the Magic City... Yes, the Bankers Club itself is a product of Hong Kong Island.

When it was established in 2001, Hong Kong Island designers were hired to decorate it in the style of the Hong Kong Island Bankers Club. Now the club is still networking with each other to share resources. "

Wang Yan curled his lips and lost interest in the environment.

It’s 2015, Lao Chu!

Are you still superstitious about Hong Kong Island?

Look at this shabby decoration, how can it be worthy of the title of "the top club in Shanghai"?

The KEE club that Li Yixu treated to last time was not to Wang Yan's liking and was a bit old-fashioned, but it was eighty miles better than this mess today.

The so-called private club increasingly disappointed Mr. Wang.

But the focus today is not originally about the environment.

When the guests came out, Mr. Wang was slightly surprised...

Chen Xi was a girl who I thought was very stunning before. When they arrived at the restaurant, two more girls of the same level appeared.

[Bai Jie, 33 years old, appearance 90, body 95, special 74]

[Wang Yufei, 26 years old, appearance 97, figure 92, special 85]

Young Master Wang didn't react to them at all. He was a decent Wang who didn't understand so many strange things.

Bai Jie is about 163cm tall, plump and white enough to reflect light. He smiles before anyone speaks, and is very charming.

Wang Yufei is tall and slender, nearly 170 years old, with an oval face and very distinctive eyes - watery peach blossom eyes with slightly upturned corners. Every glance she gives seems to be expressing some shy and timid invitation.

Coupled with Chen Xi, the three golden flowers gathered together, which was simply dizzying.

There are only two men present, Chu Hong and Wang Yan.

Young Master Wang immediately realized that the situation was not simple.

Do you want to recommend BOSS...

Chu Hong introduced with a smile: "Bai Jie is the director of our office, and Feifei is the most beautiful woman in the credit department. In fact, we will have to deal with Mr. Wang often in the future. We just happened to get together today to get to know each other."

The reason is truly pie.

A housekeeper, a secretary, a loan officer, according to common sense, they do interact with each other frequently.

But can’t a boy be sent out to do the work?

You're not just greedy for my body!

Wang Yan has a tendency to be shameless, but he has no resistance.

Such a meal...

It's quite interesting.

Don’t think about anything else, just treat it as a long experience!

When sitting down, Bai Jie sat on Wang Yan's left hand, Wang Yufei took the initiative to sit on Wang Yan's right, followed by Chu Hong and Chen Xi.

——Another very interesting and thoughtful arrangement.

Among the three girls, Chen Xi was still in work clothes and had no time to change.

However, Wang Yufei and Bai Jie were both wearing private clothes, with exquisite makeup, and looked specially dressed.

It's not even 6 o'clock now, and it hasn't even been an hour since I got off work.

So thoughtful...

Wang Yan probably had some idea of ​​Chu Hong's plans, but the direction of the banquet was still a bit unexpected.

We ate Western food, and the dishes were served one after another. We spent most of the time drinking and chatting.

In the beginning stage of getting to know each other, chatting about wine and food, everything is normal.

Slowly, the topic shifted to Wang Yan, and the situation began to become subtle.

Chu Hong started by flattering him.

"You probably don't know yet, right? Mr. Wang's company was a hot topic of discussion on the Internet before. It has been listed on the hot search for several days. As an old antique who has never been on Weibo, I have heard my friends talk about it more than once."

This is a bit exaggerated.

The hot searches are actually for the live streaming industry, eating broadcasts, mysterious wealthy people, and sky-high-priced Haagen-Dazs. People who eat melons really don’t pay much attention to Wangting Entertainment.

But Chu Hong's purpose is to provide an introduction so that others can use the topic to develop their work.

"Really?"

Wang Yufei immediately glanced at her with admiring eyes, the corners of her eyes raised, and she was so charming.

"Master Wang, tell me quickly!"

Pretending to be young is a talent. She is obviously a seductress, but Wang Yufei can just pretend to be girlish, and her expression is innocent.

Innocent seduction is not called coquettishness, it is called natural coquettishness. There is a big difference.

In fact, Wang Yufei is also very difficult.

Faced with an aloof young master, if you don't take the initiative, you won't stand a chance.

But being too proactive would seem cheap.

what to do?

Turning unfavorable factors into advantages is called a master.

However, Young Master Wang was still addicted to the aloof state and could not extricate himself, so he responded simply.

"It's not that exaggerated. A friend of mine just bought a few hot searches."

When Wang Yufei returned home, Bai Jie immediately followed with a glass of wine.

"Bacon once said: A man may be very young in terms of age, but very old in terms of time, if he has not wasted his time.

Mr. Wang, your modesty and low-keyness reminds me of this sentence.

You must have never wasted your time, that's why you can achieve such great things while being so mature and prudent, without being arrogant at all.

Come, let me offer you a glass of wine, for no other reason than to express my respect.

Cheers, whatever you want! "

Damn it!

How can you persuade someone to drink like this?

You are awesome!

Wang Yan was almost stunned.

It's not that I'm happy or comfortable, I'm really shocked.

Wang Yan had been reading the book seriously for several months, but Wang Yan was still far from the state where he could read quotes from famous people casually.

The key point is that it's not awkward, it's really applied very appropriately.

Who can hold on to such flattery and persuasion?

There was nothing he could do, so Wang Yan raised a glass and said, "Sister Bai, I'm very complimentary. Thank you."

There was half a glass of dry red wine. Bai Jie really raised her head and drank it down. Young Master Wang had no choice but to drink with her.

No matter how much you pretend to be aloof or say less at most, you can't let a lady drink alone. You can only take a sip, right?

I can't afford to lose that person!

As soon as the glass of wine was finished, Wang Yufei immediately refilled it for Wang Yan and pursed her lips in aggrieved manner.

"Young Master Wang, just drink to Sister Bai's toast. You don't even bother to reply when I ask you a question... Eat some food, drink slowly, and tell me about your company!"

Wang Yufei has another routine.

He poured wine but didn't persuade him to drink, complained but didn't follow the rules, and just focused on the topic of Wangting Entertainment, insisting that Wang Yan let go.

Young Master Wang was a little confused and didn't want to understand what she meant.

Why do you have to let me talk about the company?

Unable to figure it out, Young Master Wang simply took advantage of the situation and gave some positive feedback.

"Wangting Entertainment is just a start-up company based in the live broadcast industry. It has no big achievements for the time being. If you are a credit person, you should be able to frequently contact those big companies. We are still far away..."

When Wang Yan spoke, Wang Yufei remained silent and stared at the young master with admiring eyes.

After Wang Yan finished speaking, he asked questions.

"Master Wang, you have such a big station. How many employees do you have?"

"For the time being, we have 100+ employees and serve 150+ anchors. The live broadcast requires space, and the two floors cannot accommodate many workstations."

"Wow! Isn't it too luxurious to open a live broadcast company in Lujiazui? My office area is less than 4 square meters..."

Wang Yan finally saw some signs.

The role played by Wang Yufei is probably to induce Wang Yan to talk about her affairs, and then ignore the situation and express her admiration in various ways.

Fangirl character? !

While he was thinking about it, Chu Hong pointed at Wang Yufei with a smile: "If you don't like the small work station, go hang out with Mr. Wang! Day by day, if you don't do your work well, there will be a lot of things...

Don't say that Brother Chu didn't give you a chance. You have served Mr. Wang well. When will Mr. Wang say to me: Feifei is a good girl. I will arrange a separate office for you! "

Wang Yufei's eyes lit up: "Really?!"

Chu Hong shook his head angrily: "I am a vice president, and I will lie to a little girl like you?"

Wang Yufei immediately looked at Wang Yan pitifully and called out: "Young Master Wang..."

Bai Jie snickered and started to get angry: "What's the use of just acting coquettishly? What about attitude?"

Wang Yufei immediately picked up the wine glass: "Master Wang, let me toast you a glass of wine! I'm going to do it, you can do whatever you want! Xiaoxi is too stupid and stupid to cause trouble. She won't be able to deal with it. Just tell me where to point from now on. Where can I hit?”

Come again? !

Wang Yan finally understood. Chu Hong led the way, Bai Jie was responsible for finding opportunities to get drunk, and Wang Yufei was responsible for acting like a coquettish girl. The three of them came with a complete set of procedures.

So, what does Chen Xi do?

She looked really well-behaved and dignified, and she was the only good person in the whole table.

After being given another glass of wine, Wang Yan turned his head and glanced at Chen Xi.

The beautiful woman still smiled lightly, her posture was straight and her smile was kind but distant.

Huh? !

wrong!

This girl is so hard to see through.

Young Master Wang suddenly felt that things were not that simple.

These two chapters are written about a real routine. Don’t go too far with the words and descriptions, otherwise it will be more fun.