Wang Peng is not worried at all that these funds will be useless.

In the past few days, the total amount of loans alone is estimated to be almost 20 billion yuan, and if the funds of the first hospital can enter, the city commercial bank will only make money, not lose money.

Anyone can calculate the interest expense of two or three points of deposits, and turn it back to more than four points of loan interest income.

"Well, okay, I'll discuss this with the dean, but don't you need the details?" Dean Cheng said with a nod of his head, and then asked Wang Peng.

"It's already fine enough!" Wang Peng said with a smile: "By the way, Dean Cheng, you see that our hospital has so many formal employees and a lot of non-staff personnel, have you ever considered third-party cooperation?"

Dean Cheng asked, "What are you talking about collecting and paying for?"

Wang Peng nodded his head and said: "Yes, that's the piece, I know that there must be a bank in charge now, but it's still the same sentence, choose to cooperate with our city commercial bank, then we only charge 30% of this intermediate fee, what do you think?"

"Sancheng ......"

Dean Cheng felt that the more he listened, the more he felt that the city commercial bank represented by Wang Peng was about to completely take over all the banking business of the hospital.

The reason why he has such an idea is because the bank he is now cooperating with is collecting 70% of the revenue, and the gap between this is really too big.

"But Xiao Wang, this matter is a little difficult to handle, and there are many interests involved, so I can only mention it to you as much as possible. Dean Cheng took off his glasses and wiped them gently.

The third-party business is different from the deposit, and the revenue deposit is stared at by everyone, which is equivalent to being put in the spotlight, and no one dares to move or mess around.

Therefore, after Wang Peng gave more benefits, Dean Cheng felt that as long as he put it forward publicly, he still had a good grasp.

Third-party business, it's different.

Not to mention the number of accounts involved, the amount of each transaction is not very high, so just like consumables, there are many people who make ideas, but they can't attract much attention, and they are full of black-box operations.

Wang Peng asked: "President Cheng, are the employees of our hospital, paying salaries or something, all of them are one card?"

"Of course, otherwise you say, who has the heart to make a whole bunch of cards?" Dean Cheng said after taking a sip of tea.

Wang Peng said: "Your Excellency, you can't say that, you have to think about the majority of employees, who doesn't want to have a little living money on hand, especially male compatriots, it is absolutely necessary to save a small amount of private money." ”

"It's very important to take it out when you need it, to have face in front of colleagues, relatives and friends, to have surprises in front of your lover, and to make people around you feel that you can rely on it when you continue to use money!"

Dean Cheng was happy, and said hehe: "Hehe, private money, I will give you so many crooked reasons, but don't say it, it is still convincing." ”

Wang Peng spread his hands and said to Dean Cheng:

"So, I don't want our hospital to change banks, but to add a third-party bank, which is mainly responsible for the distribution of bonuses, festival pay, overtime pay, etc., you see that this will work!"

Dean Cheng answered: "And then it became the private money you said?"

Not to mention, it has always been Dean Cheng, who handed over all his income in full to his lover, was also moved by Wang Peng's words at this moment.

Wang Peng said with a smile: "Hehe, this actually depends on what you think, anyway, I think that having a private money can enhance everyone's status in social interactions!"

Pointing at Wang Peng, Dean Cheng scolded with a smile: "Xiao Wang, you really deserve to be a business manager, this mouth, I don't know what about others, but I am convinced of you!"

"That's your love!" Wang Peng said with interest.

He understands that if he changes to someone who doesn't matter, even if it blows into the sky, this cold-faced vice president will definitely not be moved.

"By the way, Dean Cheng, I want to ask you about the situation!" Wang Peng said.

Dean Cheng glanced at Wang Peng, and then said, "Oh, you said come and listen, I can tell you, I know everything!"

Wang Peng said: "That's the case, I want to know, how long will our hospital keep in the books when it buys equipment and consumables every year, the general amount involved, and the related funds?"

"Do you want to fight the idea of these funds?" Dean Cheng's face was a little unsightly.

This Wang Peng turned out to be a guy who didn't know how to advance or retreat, and he had already agreed to deposits and third-party business, and he was still thinking about getting an inch.

Knowing what the other party thought, Wang Peng smiled and said: "My dean Cheng, you must have misunderstood, I paid attention to this fund, but I don't want to get anything from it, I am from the bank, not a supplier!"

This is also true, the bank only deals with the money itself, and will not interfere in the procurement.

Dean Cheng regained a smile and asked, "Then what do you mean?"

With a smile on his face, Wang Peng said:

"It's very simple, I think so, no matter what the payment method of our bank is, after the relevant funds arrive in the special account, there must be no way to deposit them regularly!"

Dean Cheng groaned and said, "It's okay to tell you, that's right, although there is a settlement period, but because there will be the possibility of payment at any time, all of them are placed in the current account." ”

"That's it, how much interest do you have to lose, especially the interest of our bank, it's so high!" Wang Peng pretended to be sad.

Knowing that Wang Peng had an idea, Dean Cheng said directly: "If you have any ideas, let's hear it, don't beat around the bush!"

Wang Peng hurriedly explained: "I think so, we can sign an agreement, your funds can be kept untouched, deposit for a fixed term, as for the supplier, we will pay on behalf of us, and when the deposit period is up, you will give the funds to us." ”

"You can pay on your behalf, so what good do you have?" asked Dean Cheng incomprehensibly.

Wang Peng said with a smile: "The benefits are great, first of all, on the books, we can increase the total amount of deposits in our bank, and secondly, this payment is not without cost, we have to charge a certain fee." ”

"Of course, this fee is definitely not higher, the interest earned from the deposit of these funds in our bank! Dean Cheng, think about it, in this way, it is a win-win situation, the hospital and the city commercial bank have benefited, and it has not affected anything!"

It's a win-win indeed.

Anyway, the relevant funds have to be paid in the end.

In addition, the hospital line has a financial management system, and the relevant funds are not possible to do bridge funds for industry borrowing.

Instead of just doing it and putting it in the current account, it is indeed better to maximize the money to make money on the premise of ensuring that it does not move.

(End of chapter)