The signing ceremony was scheduled for half past nine in the morning, and ten o'clock was the opening ceremony of the new energy vehicle 4S store.

Originally, this kind of signing ceremony was at least attended by the president of the branch or the head of the head office, but firstly, because Wang Chong and Gu Tiande were not in harmony, Gu Tiande would not give this face, and secondly, Liu Xueyi valued Wang Chong very much and tried his best to invite Wang Chong to participate in person.

Liu Xueyi made a big battle, and transferred more than a dozen beautiful women from the 4S stores of BMW and SAIC to help. His marketing philosophy is that people can easily lead to impulsive consumption in front of beautiful sales, so he recruits beautiful women to sell with high salaries every year, which is also the reason why several high-end cars of his BMW and SAIC can be sold hot.

In general, the 4S store business model does not occupy too much liquidity, and there are many profit points, and the general operation model is as follows:

Liu Xueyi used a piece of land purchased at a low price a few years ago as a mortgage to build a 4S store, and then used the market in his hand to apply for agency qualifications to a dealer at the next level, such as more than 30 new cars with prices ranging from 5 to 250,000 yuan in this exhibition hall, except for a few test cars are purchased with their own funds, the rest of the cars are taken to pay 10%-30% deposit, with the car certificate mortgage from the bank loan. If the customer buys a car, or pays in full or takes out a loan, the 4S store will pay a deposit after receiving the money, and apply to the next dealer to pick up the car.

Money has a time value, the general time to pick up the car in 2 months to half a year, during this time, the municipal agents to collect the deposit or deposit (usually not a small amount), you can use this time to enter the bill market or investment market, to earn interest.

Under this model, if the customer chooses to take out a loan, he can use the auto finance company under his name to charge a handling fee, bind some unnecessary services such as GPS, etc., and bind the auto insurance business to collect insurance channel fees (the general industry association stipulates that compulsory traffic insurance is 4%, commercial insurance is 15%, and it varies from place to place).

In addition, the car dealer also has a relatively large profit point is after-sales service, such as car maintenance, repair, etc., especially accident car maintenance, because most of the cost insurance companies bear, so the operational profit margin is very large.

The price of new energy vehicles is low, and the profits mainly depend on policy subsidies, but Liu Xueyi's perennial experience tells him that new energy vehicles will be a new trend in the future development of automobiles, and also the future profit point of automobile sales.

The signing ceremony is very grand and simple, followed by some celebrations and preferential activities prepared for the opening of the store, these specific operations Liu Xueyi does not need to participate at all, and sends the store manager to take care of it.

After the signing ceremony, Liu Xueyi invited Wang Chong to stay for a simple meal, but Wang Chong did not agree, and later Liu Xueyi invited again and again, Wang Chong said helplessly, "It's okay to eat, but I'll pay for it." ”

Liu Xueyi was stunned when he heard this, and said with a dumb smile, "No problem!" He asked the driver to go back by himself and got into Wang Chong's car, Wang Chong commanded Zhang Feifei to turn around and come to a small noodle restaurant next to Donghua University.

The noodle restaurant is not big, covering an area of about 40 square meters, with more than a dozen tables, and the inside is clean. This shop has been open next to Donghua University for more than ten years, Wang Chong was familiar with the boss when he was in school, and Wang Chong often came here after graduation.

The boss saw Wang Chong and the others, "Or the old rules?"

Wang Chong smiled, "Brother Song, you look at the arrangement." He turned to Liu Xueyi and said, "We have limited funds, and Mr. Liu is used to eating delicacies from the mountains and seas, so he shouldn't dislike this place, right?"

Liu Xueyi laughed, "Where is it, I am also from the countryside, and I am not less than you in terms of hardships I have endured!"

Wang Chong said, "Then today we are thinking about the bittersweet memories?"

Liu Xueyi said no problem!

Three bowls of fried noodles, a plate of old vinegar peanuts, a plate of small pickles, two greens, and a few heads of garlic.

Liu Xueyi is no stranger, poured vinegar dishes and saucers, ate with relish, and soon ate cleanly, Liu Xueyi did not waste it, and drank the noodle soup cleanly.

Liu Xueyi ate with relish, seemed to remember something from the past, and said with feeling: "When I was a child, being able to eat a bowl of fried noodles was the most beautiful thing in the world for me!"

Zhang Feifei said: "Your boss with a net worth of more than 100 million yuan, is there still a shortage of money to eat noodles?"

Liu Xueyi smiled, "When I was a child, I could only eat fried noodles during the Chinese New Year and my birthday!"

Liu Xueyi's family is a native of Xiagou Village, Qianniu Town, Donghua, his father was a private teacher, he was beaten as a rightist during the Kuomintang Revolution, and his leg was disabled, and his mother had cancer when he was three years old, and he died after spending all the family's savings, and the family's house was sold to others. As far back as he remembers, by the time he was ten years old, he didn't go to school.

Every morning, his father pushed a broken 28 bicycle to the county town to walk the streets and alleys to collect rags, the left is a garbage basket, Liu Xueyi is sitting in the right basket, at that time, he thinks the happiest thing in the world is that his father took out five cents of the money earned from collecting rags to buy a bowl of fried noodles.

Later, the village forcibly popularized compulsory education, and the village cadres gave his father ideological work, and when he was eleven years old, he was only in the first grade, fortunately, his father had taught, and his studies were not delayed, but he was not very prominent, and after graduating from middle school, he went to join the conscription, went to school in the army to repair cars, and became a repair worker after being discharged from the army.

"Over the years, I have done the most humble profession, and I have experienced the most humble moments, once for a list, like a beggar, these things are all extravagant hopes for me, I once wanted to be a dog, but the reality has forced me into a dragon. ”

Liu Xueyi asked, "Do you know why I cooperate with you?"

Wang Chong and Zhang Feifei shook their heads.

"Because you are different from other banks, after contact in the past few days, I found that you are people who do things, do not talk about concepts, do not play with empty heads, whether in terms of execution, efficiency, or team ability, they are second to none!"

Wang Chong said: "Mr. Liu, you have won the prize." ”

Liu Xueyi smiled faintly, "I have been in the mall for so many years, I haven't learned anything else, I still have a little bit of ability to see people, over the years, I have dealt with the bank a lot, everyone has encountered, some people ask us for kickbacks, some ask for fees, and let us pay for them, but you, I heard the store manager say, you have returned the car and horse fees for you intact." ”

Wang Chong said: "This is the most basic code of conduct for our Donghua Bank employees. ”

Liu Xueyi said, "It's easy to say, but it's hard to do, so Director Wang, people like you who are capable and insist on ethics are really rare in this society." Let me ask you a personal question. ”

"Please. ”

"What is your current annual salary?"

Wang Chong was stunned for a moment, and said in his heart how he cared about this issue, but still told him, "Less than 300,000, it used to be a little higher, and I quarreled with the leader not long ago and was demoted." ”

Liu Xueyi haha: "Jealousy is like hatred, you are still more similar to me in this regard." And said: "I have a suggestion, it's better to be like this, I'll give you an annual salary of 600,000, you come to me, be the financing director, responsible for the auto finance business of all my car brands in Donghua City, and the dividends at the end of the year will be calculated separately, your little brother is not bad, I can give him an annual salary of 200,000 yuan as an assistant, how about it?"

Zhang Feifei suddenly came to the spirit, just graduated half a year and has an annual salary of 200,000 yuan, which is three times the current salary, if Wang Chong agrees, it will be simply the pinnacle of life, hearing this, he didn't even have the heart to eat noodles, and looked at Wang Chong with his eyes.

Wang Chong hesitated for a moment, but quickly gave a negative answer: "Boss Liu, thank you for your kindness, but I'm afraid I can't agree." ”

Liu Xueyi said curiously, "Why? Is it because there is not enough money? We can discuss again, 700,000 yuan?"

Wang Chong shook his head, "No, I chose to engage in the profession of banking, in addition to the money factor, because I think this profession is meaningful, with the money in my hands, to help enterprises expand their operations, overcome difficulties, improve profits, banks can also earn profits, this is a rather fulfilling thing, this feeling, is not other professions can bring." ”

Liu Xueyi nodded, "In that case, I won't force you." Wang Chong, I have a bad temper and a lot of suspicions, so I don't have many friends, but for you, I am a friend. If you need help, just ask. ”

Wang Chongle said, "Our bank and enterprise are mutually beneficial, if you want to help, I'm afraid I really want to find you for something." ”

"What's the matter?"

"Our Donghua Bank has signed a cooperation agreement with you, so do you want to consider putting the other two brands of car loans and settlements under our Donghua Bank?"

Liu Xueyi hesitated: "These two brands have been cooperating with Bank of China and CCB for many years, and if they are changed temporarily, it is really not easy to do." Brother, I'm also a man of temperament. ”

Wang Chong had already forgotten what Liu Xueyi had said before, just listen to this kind of words, if you really take it seriously, it would be too naïve, he looked at Liu Xueyi and said, "Big brother, in business, under the same conditions, the interest rate is 10% lower than theirs, how about it?" (Note)

Sure enough, after Liu Xueyi heard this condition, he was a little moved, "Is this true?"

Wang Chong took a sip of water and said slowly, "But there is one condition, all the POS machines, sales settlements, employee salaries, withholding taxes, insurance channels, claims and other settlements in all your stores will be replaced by our Donghua Bank." ”

This is the business that Wang Chong really likes, the new energy vehicle business is limited, but through this, he can establish contact with Liu Xueyi, so as to leverage the business of the other two brands, which is Wang Chong's purpose.

Because of this, he managed to get preferential policies from the head office. He and Kang Shaojie calculated that if their settlement funds could be pooled into Donghua Bank, they would still be able to cover the loss of profits caused by preferential policies by virtue of their investment capabilities that were much higher than those of their peers.

Liu Xueyi was also calculating in his heart, since the policy given by Donghua Bank was better than the other two, and there was no harm in agreeing, no matter how bad it was, he could take Donghua Bank's conditions to negotiate with the other two, so he said: "Deal!"

Wang Chong picked up a bowl of water, "Big brother, I respect you!"

Liu Xueyi couldn't cry or laugh, and said, "It's done!"

"Pay!"

Boss Song of the noodle restaurant had already finished his work, so he came over and said: "Manager Wang, I'll come over to eat when you go to school, today the eldest brother asked you for help, why are you embarrassed to accept your money, look at it, my store expansion loan?"

Wang Chong insisted on paying the noodle money, and said to Zhang Feifei, "Extraordinary, you can analyze the matter of the expansion of the loan for this noodle restaurant." ”

"What?"

Zhang Feifei was still immersed in the grief of Wang Chong's refusal of 700,000 annual salary and his 200,000 annual salary in vain, and did not hear Wang Chong's words.

Wang Chong said: "Boss Song of this noodle restaurant wants to borrow 100,000 yuan to expand the store, and you can do a feasibility analysis." ”

Note: The so-called up/down X% refers to the increase/decrease of x% on the basis of the central bank's benchmark interest rate