In fact, Zhu Chier of Shenzhen Anyan Automobile City Co., Ltd. is willing to give 8 million yuan as the interest rate differential fund for the deposits organized by the Hubei sub-branch, and on the surface, he is supporting the new team of the sub-branch and expressing his sincerity in solving the debt problem. www.biquge.info The real reason for this is that he is currently operating the "dark crossing of Chen Cang" and the "golden cicada shelling" plan of asset transfer of his own design of production and operation, and the two newly established companies have just been put into operation, and there are follow-up companies to appear, in order to establish a new capital chain, there can be no negative impact on the society at present. In other words, he is paying for peace.

The Hubei branch is willing to accept his cooperation and is willing to use the 8 million yuan as a spread fund, the reason is relatively simple, that is: the Hubei branch needs this money too much to open up the work situation. It is precisely because of this interest rate differential fund that the work of organizing deposits of the Hubei branch was immediately activated.

In the summer, Shenzhen Textile Company first called 10 million yuan to deal with related matters. Then, in the summer, people in and out of the office were wearing Agricultural Bank uniforms, and those who didn't know thought that there was an Agricultural Bank office here.

At first, her younger sister Xia Fang, who worked in the People's North Branch of the Agricultural Bank of China in the summer, was entrusted by friends from other places to transfer 4 million yuan for a one-year deposit; later, She Lijun of the Shangbu Branch of the Agricultural Bank brought a few friends from the Agricultural Bank of China to raise 1 million yuan of her own money and save it.

As soon as Xia had just dealt with their affairs, another cadre from the Agricultural Bank stood at the door of the office and asked, "Which one is Manager Xia?"

Summer looked up at the person and asked, "Who am I, are you?"

The person who came said: "I am the person in charge of the Lakeview Branch, I have been here before, but I can't find you." ”

Summer estimated that nine times out of ten it had something to do with deposits, so she said, "Please be seated." ”

After sitting down, the person came and said, "My name is Feng Rui, and I have been in this Lakeview branch for three years, and I have wanted to meet you several times, but I haven't seen you." My friend now has 2 million in savings, and he wants to save for a year, how much interest can you give me?"

Summer smiled and said, "What do you think about the depositor?"

Feng Rui said: "The monthly interest rate is two cents and two. ”

Xia said: "After the establishment of the Citizens Bank, this aspect has been strictly controlled, and the market interest rate has also dropped a lot. We only have a little money to cover the spread. ”

Feng Rui was worried that he couldn't do it, so he asked, "How much do you say?"

"A one-year deposit with an interest rate of 20% per annum," Summer said. This is the upper limit. ”

Feng Rui took out the computer and clicked on it, and said, "The monthly interest rate is only 16.667‰, will it be a little lower?"

Summer said: "It's difficult for a good woman to cook without rice, you are an expert, you have no money, how do you say to buy it?"

"I'll forget it! 20% is 20%, and I'll call tomorrow morning. That's it?" Feng Rui finally made up his mind.

Summer said, "Okay, it's a word." ”

Feng Rui got up and shook hands with Xia to say goodbye.

Perhaps Feng Rui has a soft spot for music, or perhaps he is overjoyed by the fact that he has made a money business with other banks that is characterized by "extracorporeal circulation" with high interest rate differences, and as soon as he walked out of the door of the summer office and came to the hallway, the tune of the famous "Song of Peony" slipped out of his mouth, but the lyrics are as follows:

Spreads, spreads,

It is loved by financial connoisseurs.

Spreads, spreads,

Economic development is also inseparable from it.

Some people say that you are the pusher,

It's up to you to increase your loans;

Some say that thou art woe to the waters,

The problem is a stubble.

Ah, spreads! Ah, spreads!

Who knows that the problem is not ours.

Spreads, spreads,

You were born into a financial services agency.

From the day you were born,

You become the target of right and wrong.

How many people love you,

relied on you to initiate your own net worth;

Thou hast been reproached again and again,

Say you're a loser's mom and dad.

Ah, spreads! Ah, spreads!

I also made my fortune from you.

Feng Rui's Hujing branch of the Agricultural Bank is at the end of Hubei Road, and he hummed a little tune back to the office and continued to go to work.

After Feng Rui left, Xia looked at the business notes and thought in his heart: "The bank finally got 8 million spread funds, and in one day, I used part of it to organize 17 million deposits, and let other comrades play the rest, let them complete the deposit task." ”

In fact, the current deposit performance in the summer still maintains an average balance of 120 million per month. He cut out 20 million yuan for Liu Aihua, 10 million yuan for Wang Yang, and 5 million yuan for Han Xiaoniu, so that they can have a certain benefit salary after completing the task.

The next day, Chen Jiao operated the business of making up the interest rate difference. In the summer, he brought every depositor to Chen Jiaoqing, and he read the deposit certificate, then calculated the interest rate difference, and went to Mo Chengxiu in the finance office to write a check.

Of course, Chen Jiao did not forget the most important thing, and set aside 1 million yuan from this interest rate difference to the stadium (the owner of the stadium is also a goose plucker, and asked for 70,000 yuan as his own remuneration and spent it himself. ), as a preliminary cost for the business research of the Finance and Taxation Bureau.

It is precisely because of this money as the start-up capital that the Hubei branch has since flourished and vigorously carried out a turnaround movement. In less than two years, it has become an advanced branch of the Citizens Bank. Mr. Wang Xianyao also went from a national civil servant who did not know how to bank, to a more popular hand than the branch president with the title of doctor of economics and finance and the fact that he had drunk foreign ink.

It is true that the opposing concepts of achievement and problem, model and deflated, advanced and backward, etc., are two sides of the same coin, and they are sometimes so incredibly close together that they may be pierced by a layer of window paper, and the two sometimes overlap and do not distinguish from each other. However, Wang Xianyao and Chen Gongjiu discussed the unusual move of setting aside 1 million yuan of the so-called "interest rate differential" money used by loan customers to organize deposits to other people's accounts, which can be said to have crossed the thunder pool, and the parties may think that they have found a way to develop their business, and if they take one step, there will be a second step, and if it works well, it will be republished in the future. However, in the eyes of others, first, the money that can be seen by others is transferred to a place known only by Wang Xianyao and Chen Jiaojiao for use; second, the owner of this money is Zhu Chi'er, a famous person who has already obtained a huge amount of loans, and this is tantamount to taking the handle of the new bank's team for violating discipline and rules into the pocket of dangerous people, and hanging it over his head from time to time, which will inevitably make people criticize in the future. This is very clear to Wang Xianyao, who was born in the political and legal system. Although he could not hide his eagerness to try, he finally felt that it was his own heart disease, and he often thought: "What is the difference between this and the capital operation of the financial service cooperative?" From this point of view, the Hubei sub-branch, which is gradually opening up the work situation under the leadership of Wang Xianyao, will have to attract the attention of different people. So, are they waiting for flowers, applause, praise, or inverted colors, discussions, official opinions, or both?

I can't talk about all the mysteries. There is a poem to sigh:

The boy has studied abroad, and I don't like to be rude;

I'm sacrificing my life in the fall, and you rely on chewing your tongue and mouth.