Chapter 14 The Attack on CCB
On May 31, the first day after the Dragon Boat Festival, Yan Xiwen got up on time at 6:10 a.m.
The madness of yesterday's shopping has passed, but there is still a trace of happiness after satisfaction in my heart, like a cat that has stolen fish, hiding in the corner to experience the previous happiness. Yan Xiwen still went to the customer factory for an internship today, and he went to the customer factory for two weeks to study, starting from last Monday and ending this Friday. Today is Wednesday, and after tomorrow, Yan Xiwen can return to work in the company and be an office white-collar worker or code farmer. Yan Xiwen's development direction after entering the company is relatively certain, and the direction set by the leaders for Yan Xiwen after consulting their opinions is biased towards software program modification. Although it is said that it is necessary to go to the site occasionally to understand the situation, it is easier than the marketing colleagues to visit customers and end customers every day.
While rinsing his mouth and looking out the window, NB City, which was less than 6:30 in the morning, had woken up, and cars were coming and going on the avenue outside the apartment, but it was rare to see the battery car, and I thought that the army of battery cars would soon follow.
Divided by category, Yan Xiwen feels that he is a member of the bus army. The bus army is complicated, most of them are office workers who go to the morning shift, students who go to class, and aunts and uncles who go to the hospital. Wearing headphones all the way, the single song looped a whole train. Getting off at the terminal, Yan Xiwen looked around the port city, and the breakfast shops near the terminal station were staggered, which was the prosperity of the port city of NB City. I bought a bun stuffed with vegetables and a tea egg, and then took a bottle of AD calcium milk, this is Yan Xiwen's breakfast.
While strolling through the streets, I watched the cars and passers-by on both sides. There are beautiful women, early workers, and shop owners, Yan Xiwen thought lightly, I don't know how long this kind of life can last. One day, he will walk into the wind and rain, such days will never have any intertwining with him, Yan Xiwen only hopes that this day will come later.
The so-called food in his hand is not panicked, before he picked up the black card, Yan Xiwen ran around the city all day long (before coming to the customer factory for internship, Yan Xiwen had already begun to follow the market, but he ran the market every day). Every day for money, dealing with different people, smiling at others every day, customers come and go as soon as they are called. Of course, this question can only be known after he buys a house, but calculating early will let him know how much he can borrow to buy a house before he can afford it to the fullest.
A question of buying a house can make Yan Xiwen entangled for half a month, and he doesn't know how to talk to his parents. Some of the seniors in the colleagues suggested that Yan Xiwen buy a house in NB City, first, the house price here has risen rapidly in recent years, and he can increase his value if he buys it; second, Yan Xiwen feels that NB City is still more suitable for settlement, and the company is not bad for them at present, and the leaders are also very concerned about him. But there is one problem: no money, one problem: no money!
At that time, Yan Xiwen also thought about looking for his parents, but how could he speak? This year, the family started a new house, and his parents' savings were almost spent, so how could he still have the face to go to his parents to ask for money. After all, Yan Xiwen had no objection at all when he started the house (he completely agreed, his parents had worked hard all their lives to build a new house for themselves, and he had nothing to say).
But now, the money for one house, ten houses, and hundreds of houses are all stored in his bank card, so he is very confident. All the people on this street, all the people who are running around now, he has enough confidence to look down. Thinking of now, Yan Xiwen thought of the situation last night. Yesterday afternoon, after he transferred the 100 million yuan newly deposited in the black card to the CCB card, he received a text message reminder that the black card had arrived this morning. There were nearly 200 million yuan of Renming coins in the CCB card, Yan Xiwen was very satisfied, and he quickly arrived at the HMD factory (customer) while eating and walking all the way.
On the other side of the city that Yan Xiwen couldn't see, where he opened his card, the Meixu branch of China Construction Bank was already in chaos.
Originally, on May 29, when Yan Xiwen transferred the money in the black card to the CCB card for the first time, it should have been discovered by the branch, but it was very clever that the bank had already left work when Yan Xiwen transferred the money, and the next day, May 30, was the holiday stipulated by the national law of the Dragon Boat Festival, and the bank missed this information again during the holiday.
It wasn't until May 31 that He Wensheng, a staff member of the data management department of the branch, found that there was suddenly such a "monster customer" in his branch, an unsolicited super cash customer. He Wensheng immediately reported the information to Qiao Xiaoyu, the director of the Information Management Department, and Qiao Xiaoyu did not dare to delay, and immediately gave the customer information to the relevant responsible persons of the Asset Management Department and the Channel and Operation Department.
Wang Huajun, director of the channel and operation department, insisted that the customer should be included in the management of his own department, "from the fact that the customer has not contacted our senior management to deposit a large amount of cash in our bank, it can be inferred that there is a lack of customers or a lack of investment channels." Our department can provide customers with the channels and information that they need most for investment, and will be able to keep the customer's funds in our bank to the greatest extent, so I strongly recommend that the customer be entrusted to our channel and operation department. ”
Cao Jian, head of the asset management department, directly objected, "There are only two possibilities for customers to deposit money directly into our branch through our system relationship." The first is temporary storage, which is too unlikely, and the second is that the client has not yet found a good investment project, and I partially agree with Minister Wang's statement on this point. But I don't agree, Minister Wang said that the customer will be handed over to their department to contact. I think that no matter what reason the customer chooses to deposit a large amount of cash with us, then the best thing we can do is to contact the customer as soon as possible and keep the customer's funds in our branch as much as possible. In this regard, our asset management department can help the client to manage his cash flow, provide relevant information and choose to invest in the client, which is the best way to retain the client. Therefore, I strongly request that this client be entrusted to our Asset Management Department. ”
The heads of the two departments kept telling the reasons for handing over the customers to their own departments back and forth, the public said that the public was reasonable, the mother-in-law said that the mother-in-law was reasonable, and in the end, the president Wang Youde was big.
"Alright, you two don't argue. Xiao Wang, if you don't say a word, Cao Jian, you don't want to look at this customer like a calf, you don't have many customers in your hands. Can you still draw up manpower in your department?"
"President, with such a large cash flow for customers, no matter how busy our department is, we can spare enough people to be responsible for it. If it is handed over to our department to tackle the fortifications, I will take the lead in making a military order to leave the customer behind. When Cao Jian heard the president's words, he was overjoyed.
Wang Huajun couldn't bear it, and hurriedly said: "President, I can also personally go into battle in our department, and I will definitely keep customers in our bank." ”
Wang Youde waved his hand, "Okay, I know everything." ”
Then he got up from his seat, "Now I announce that the contact with the customer and the follow-up of the subsequent situation will be handled by the asset management department and the channel and operation department together." Before I leave work today, I'm going to see the engagement plan and the follow-up action plan for the customer. The plan was jointly supervised by Minister Wang Huajun and Minister Cao Jian, and it must be a feasible plan. After speaking, Wang Youde habitually looked at the reactions of his subordinates. Wang Huajun nodded happily, Cao Jian wanted to say something more, Qiao Xiaoyu, the director of the Information Management Department next to him, hurriedly grabbed him and persuaded him in a low voice, Cao Jian moved his mouth and finally didn't say anything. Wang Youde nodded, turned around and took the lead out of the conference room.
At this moment, the wind rose.