God of Life - Chapter 361

Chapter 352 Social Sinisters【Grand Chapter Ticket】

Thinking of making friends, Wang Dashao didn’t take the initiative to bring the rhythm.

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

As the saying goes, a wife is worse than a concubine, a concubine is better to steal, and it is better to steal than not to steal…

Human nature is cheap.

“Chu Xing is a predecessor, and you are so embarrassed by your love.”

After turning cautiously, Wang Dashao finally responded with only such a sentence.

It’s not salty, not salty, and a bit literate, not close in attitude, with big and small arrogance, but there is no lack of etiquette.

Chu Hong’s attitude is still so enthusiastic, even more enthusiastic.

Although Wang Dashao seriously lacks social experience, his grasp of human nature is too precise, and he directly hit Chu Hong’s G spot with a single needle.

For the elites in the financial system, the first two faces of different people are just the most basic professional qualities.

If you have money, then you are closer to your father than your relatives. You can bring tea, water, rub your shoulders, pound your legs and saddle before and after the horse.

If you have no money, you won’t even look straight.

The industry that deals with money on a daily basis is so realistic.

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

It’s hard to do well!

The more difficult customers are, the more loyal they will be after they are dealt with, and they will not easily change doors.

All young and old are arrogant. How can they be like grassroots tyrants who must compare themselves with each other? !

People’s livelihood is not comparable to the four major industries, and their strengths and abilities are far from each other. What they play is service.

Chu Hong’s position on his own bank is very clear, so he is more willing to sullen up, replacing him with the same-level vice president of the Universe Bank here, and 80% will not lick it that much.

Are you cold?

Our universe is higher and colder!

…

“Wang Shao, it is better to meet by chance. Today is really rare. I can tell you. You will take a moment to go to my place. I will make up the meeting gift for you!”

Chu Hong’s licking skills are so good, even if Wang Yan lacks anything, he is very curious about it.

“You are too polite, what gift, so mysterious?”

“Actually, it’s not worth mentioning to you, but I believe you must be useful when you are.”

Chu Hong sold another sentence before giving an explanation.

“Our Minsheng is launching a new Infinite card this year. It is our bank’s highest-level credit card. The target is the ICBC Centurion Black Card. The more famous one abroad is called the American Express Centurion.

Of course, our strength is incomparable with American Express. The new card is not that strong in the world, but it is relatively new in China, and the rights and interests are very good. ”

“Oh?”

Mr. Wang suddenly showed little interest, but he showed a lack of curiosity in cooperation.

Just kidding, do you need a credit card?

Your so-called rights are not enough for my brother to breathe. What about trouble?

Chu Hong couldn’t imagine how abnormal the young man in front of him was, and he was still enthusiastic about popularizing science.

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

In addition, 48 times a year Magic City Yanli SPA, two times of dental cleaning, physical examination, 48 times of airport transfers, 8 times of golf, 88 times of five-star hotel gymnasium, swimming, senior membership of Jihang, Hainan Airlines, Singapore Airlines , Ritz-Carlton, Shangri-La, Four Seasons senior membership, all five-star hotels stay three pay two……

In the words of those playing card experts, our Minsheng Infinite card is an artifact of blood recovery, and the rights and interests are super value.

And most importantly, our cards are extremely attractive, with titanium metal coating, thick and stylish, and can even emboss your signature.

Think about it, when you have a dinner, everyone takes out your cards to pay for the bill. When others take out plastic cards, you can directly coerce the audience. Is it extraordinarily face-conscious? ”

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

For Wang Dashao, being handsome is the most important thing, and the rest can be put back.

But as an economics student, Wang Yan still has a learning attitude and asks one more question.

“The rights and interests you talk about are good, meaning that the original consumption of those rights and interests is enough to cover the annual credit card fee, right? So, isn’t your bank losing money?”

When Wang Yan was willing to talk, Chu Hong was happy, so he took the trouble to break the explanation.

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

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

Of course, you certainly don’t care about the 100,000 difference, let’s just talk about using the card.

If you have a spending of 2 million yuan, swiping our card, the longest is a 50-day interest-free period, you should use the 2 million cash that should be spent immediately to buy one of our wealth management products-a daily interest rate of 10,000 yuan There are quite a few fractions, so pick whatever you want.

In 50 days, you will have a net profit of more than 15,000 in interest, and the repayment is due without incurring any costs. There is a large amount of points, which is almost worth 6000+ when converted.

Take your company’s fixed expenditure on official brushes as an example. Assuming a fixed amount of 10 million is paid out every month, if you use all credit cards to pay, you can save more than 70,000 yuan every month!

It is about one million a year, which is equivalent to a new car, or to raise an extra female college student without paying a penny.

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

If you have the ability to make the platform settle for you half a month early, and at the same time settle half a month for the anchor at the same time, and one month inside and outside, how much interest rate can be generated?

Money begets money, isn’t that how it is played? ”

Damn it!

Bull beep…

Wang Yan doesn’t care about the money itself, but this idea is really inspiring.

It seemed like a new door was opened.

The currency knowledge learned in the past flows slowly in his mind, converging into a river, and accumulating into a lake, which makes Wang Yan feel suddenly enlightened.

How did those large supermarket chains with meager or even negative profits survive, or even survive?

Rely on cash flow!

As long as you have cash, it’s not too easy to think about showing up!

Wangting Entertainment is born a heavy cash flow company.

Assuming that the stall spreads out in the future, the company has cultivated two or three hundred upper-level anchors, corresponding to about 50 platforms.

An upper-level anchor on a small platform has about 3 to 500,000 monthly streams, and a large platform can reach 2 million. On average, even one million monthly streams per person.

How much is that?

Two or three billion!

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

Yes, the current market is indeed not that big. For the time being, let’s not mention the future market growth problem, just talk about the present-

Wang Yan can be praised by a private official!

The previous situation was that if Wang Dashao brushed 5 million, he could return about 85%.

What’s next?

As the power of Wangting Entertainment becomes stronger and stronger, it is enough to force the platform to get the best share ratio.

Maoxiong TV, which is currently negotiating, has given extremely generous conditions that are close to the top.

After that, every month, private recharges of 100 million, 200 million, or even 3.5 billion are used to open various accounts on 50 platforms, and there is no problem with the return ratio of 95%!

Even if you brush 1 million and return 1 million, let the platform only make a lot of fun, it’s all right!

On this basis, the flow of Wangting Entertainment will also be very terrible, as long as it can achieve a monthly profit of 1%, it is a huge benefit!

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

Ma Dan, others lose money by washing horse milk, how come you can make a fortune in turn?

It is true that young and old are not short of money, but it is not good to spend the clean money earned back into charity and spend it on out-of-school children, seriously ill patients, and orphans?

It smells so fragrant!

Of course, to make a profit, two prerequisites are still required.

First, the tax exemption policy.

Second, a large amount of interest-free loans.

In terms of taxation, Wang Yan does not intend to make opportunities.

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

Wang Yan will spend more peace of mind if he can make some contributions to the country and society with his panting floating wealth.

As for large interest-free loans…

I’m afraid that an unlimited card is not enough…

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

What should I do if the live broadcast platform does not cooperate?

It doesn’t matter. We will set up another overseas fund, open dozens of handbag companies, and acquire dozens of small platforms.

I don’t want you to make money, balance your income and expenditures, just pay your employees’ wages and pay business taxes for water and electricity grids.

The survival of the fittest among platforms is the same for employees.

In the end, a good platform to win, the development and development, the listing.

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

Two or three years later, when your historical mission is completed, I will also hold an elite division in hand, and complete the substantive domination of the entire live broadcast industry!

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

At the moment when Wang Yan made up his mind, an unprecedented magical shadow that shrouded the entire live broadcast industry, like an iron curtain covering the sky, began to faintly condense.

demon king?

Because of blowing Sting!

…

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

Standing on a high altitude, looking down, I use the positive side of the industry to my advantage, and use it to the extreme, instead of getting stuck in it and struggling, 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 was brave enough to fight for the gains and losses.

The slight changes in mentality are reflected in temperament and attitude, making Wang Yan’s performance more calm and leisurely, with an atmosphere of grasping the overall situation.

He Miaomiao was a godlike woman, and such a small change was immediately noticed.

He looked at Wang Yan sensitively, and then kept looking suspiciously, crying wildly in his heart: What’s the matter? Suddenly it looks like my dad!

Dog, what are you doing again? !

Wang Yan ignored He Miaomiao, she didn’t have a chance to guess, and if she had the time, it was better to do something business.

I asked Chu Hong with interest: “Chu Xing, it sounds interesting, but what’s the amount? A small amount of more than one million dollars is really not a toss.”

These words were maddeningly boundless, but Chu Hong admitted.

With a subconscious glance at Miss He, President Chu gulped straight.

Don’t get me wrong, it’s not because of the celestial face, but because of the watch and earrings of Miss He.

Simply estimate the price in your heart, dear, 15 million can’t be beaten!

The shape of Vacheron Constantin’s art master S12G-9479 is so recognizable. It has a woven pattern and nearly 200 top diamonds. As soon as it was born this year, countless ladies and ladies fell in love.

Price…950,000 euros.

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

It’s definitely more terrifying than the rumors!

He gritted his teeth inwardly, and Chu Hong smiled and said: “The amount of 3 million, I will approve it for you directly, no need to trouble you with anything! If it is no matter how high, Lao Chu, I don’t have the authority, I can only trouble you to cooperate… ”

“Good intentions, I have an upright personality, and it’s meaningless to tell you the truth.”

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

After that, I just switched to the topic.

“I was about to take pictures of the two-story office building in the capital city recently. I just have a question to ask you.”

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

“Don’t hesitate to tell me, it is an honor for me to be able to make some professional opinions and suggestions!”

“Thank you, I am short of suggestions.”

Wang Yan nodded and said slowly: “That is a two-tier court judicial auction. The estimated price is 480 million yuan, and the auction price is 320 million yuan. The location is…

I would like to ask, how does your bank provide prices for similar asset evaluations?

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

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

I would like to know Minsheng’s views on such projects. ”

Chu Hong was taken aback for a moment, and a fiery light quickly ignited in his eyes.

Wang Ting Entertainment wants a loan? !

The bait that Wang Dashao dropped worked.

The intermediary business of domestic commercial banks is not well-developed. Loans are the lifeblood of banks. To put it simply and crudely, the ultimate goal of domestic banks to absorb reserves is to lend them all.

Of course, we must lend to trustworthy people and companies.

So the actual situation is always particularly ridiculous-

The better the qualifications and the larger companies that are not short of money, the more banks want to ask them for loans.

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

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

There is no debt, the monthly flow explodes, the cash flow is tens of millions, and it will even soon have a net asset of 500 million!

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

The rise may not move much, but the fall is impossible to fall. It is very stable.

Chu Hong was excited, and immediately began to wonder: How can we take Wang Yan down?

To suit what you like?

Ai Jialiang never said what Wang Yan is so good about…

After pondering for a long time, he has a serious expression, as if he is thinking about Wang Yan’s problem. That’s a hard work.

In fact, such a simple question does not require a brain and can be answered with the toes.

The acting was almost the same, and Chu Hong finally spoke cautiously.

“Under normal circumstances, we will use the data of the designated third-party evaluation company, combined with the opinions of the internal credit department, to make a comprehensive credit line confirmation.

For the time being, I am not sure about the issuer of your office building evaluation report, but in my experience, the valuation of 480 million yuan is not a big problem, and Haiguang Building is definitely worth that price.

After next year, it will be the peak season for office renting and sales. You can make another assessment at that time, and it may even reach more than 520 million.

If you need it, Lao Chu, let me intervene for you, 600 million is not impossible…

We grant the credit at a maximum of 30% off, and the maximum amount of mortgage loan that can be granted to your company is more than 350 to 400 million.

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

Your company has not yet been listed. The conventional method of market value statistics is nothing more than a price-earnings ratio or a price-to-book ratio. Your company’s current price-to-earnings ratio is very good. However, since you are injecting heavy assets immediately, it is better to calculate it based on the price-to-book ratio.

It is usually twice the valuation of net assets. In other words, your company can be regarded as a large company with a market value of 1 billion!

The current benchmark loan interest rate is 6% for less than 5 years and 5.6% for less than 1 year. According to your terms, the interest rate must fall by at least 20% to be sincere!

In my opinion, there should be many peers to fight for. ”

Ok? !

Can the bank’s benchmark interest rate float down? !

Wang Dashao was shocked.

No matter how many books I read, no matter how much theoretical knowledge I have, I still don’t understand the reality of society if I haven’t really experienced it.

The grassroots of the people of course do not enjoy that kind of treatment, but for large companies, related households, and potential stocks, what is the floating interest rate?

Chu Hong didn’t find any expression on Wang Yan’s face, for fear that he might be dissatisfied, and he was trying to hold back bad.

‘Wang Shaoyoung is full of firepower, and he takes pretty girls wherever he goes, and turns around to let go of the flowers. Maybe it will have a miraculous effect? ‘

That definitely can’t, we are not the kind of Wang.

The decent Wang Congrong smiled and waved his hand: “Chu Xing has been praised. Our Wangting Entertainment is just a small company. Buying a two-story building is because I personally hope to give employees a sense of belonging and stabilize the military.

When will I inject capital to the 1 billion level, I am embarrassed to pretend that I am a large company…”

The name is humble, but it is really showing off wealth.

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

Chu Hong’s heart was too hot, and he bit the hook so hard that he wanted to jump up the fishing line.

Still the sentence: human nature is low.

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

In fact, it’s not that a dignified vice president is particularly fond of fools. If someone else is acting for Chu Hong, he can only get two sneers and a sneer: silly beep!

Wang Yan is different.

Chu Hong’s view of the big and young is: the strength is unfathomable.

Putting normal people to judge the whole thing, they will feel that Wang Dashao is not bad for money.

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 okay to buy a house with cash first and then take a loan?

Mad, right? !

Only people who are not short of money can spend a lot of money to build a headquarters in the initial stage of an entertainment company’s development.

It is not necessary production equipment, renting a building does not affect the operation at all.

Anyone with normal intelligence will make the same judgment.

Who would have thought that Wang Yan actually didn’t have anything, and he was short of money, so he expected the two-story office building to produce food?

So Chu Hong was not wronged.

Right now, the big governor has begun to consider how far he must relax the conditions before he can “coax” Wang Yan to open a basic account and make a loan at his own home.

Hey, it’s hard to ask for help…

Reluctant to be a wife, not a gangster, please, give it a favor!

“Wang Shao, talk about other things slowly, you have to keep the meeting gift!

If you think that the card limit is too small, then do so. When your two-story office building is available, you can come to me to make a proof of assets. The procedure is very simple and you are guaranteed not to delay your time!

Then I will help you apply for a large personal credit, and I will give you a card of up to 20 million, which is almost enough for pocket money, right? ”

Chu Hong was sincere on his face, but secretly smiled in his heart.

If you are really doing credit granting in our house, you can’t help it if you don’t get a loan at that time!

Play routines with me, master, you are still tender!

Quack…

So kind, what can Wang Yan do?

I had to reluctantly give me a face!

“Well, Chu Xing, you put so many high hats on me, and you don’t agree to anything. It seems that I am particularly unkind…

Thanks to you, get a credit card for fun…

Why! I can tell you in advance, only this time, not as an example!

I don’t like owing favors the least in my life…”

Wang Dashao smiled bitterly, shook his head, and sighed. He looked like a second-generation young man who was smitten by face and couldn’t get off.

Chu Hong was very proud and laughed.

“Wang Shao, don’t be kidding! Why do you owe favor? It is obviously my old Chu who brought in another top customer and made a big contribution to the new card business!

Favor, count my old Chu owe you!

Don’t say much to be polite, you must give me a chance when you come back, let me thank you very much! ”

The actor Wang Xi was full, and nodded with a smile but a smile: “Okay, there are so many credit cards with expensive annual fees. I am in a bad mood! Next time I have a chance, I will kill you. Don’t complain, let’s talk about it. make friends!”

“That’s it! With a word from a gentleman, it’s hard to chase a horse!”

Chu Hong was overjoyed and felt that his relationship with Wang Dashao finally made substantial progress, and he was extremely happy.

He Miaomiao glanced at the overjoyed Chu Hong pityingly, and rolled his eyes silently.

Idiot!

Although I don’t know where the pit is, if the dog doesn’t pit you, this princess will be named Wang after the dog!

My dad is really too, always telling me that society is sinister, and people’s feelings are unpredictable.

Where is it sinister?

Each one is as mentally retarded, but the dog is the most sinister!

Huh? !

The dog is so insidious and cunning, has he pitted me?

Suddenly, the eldest lady finally realized that there seemed to be something wrong.

…………………………

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