Since the elite culture of the West was introduced to China, various circles in line with China's national conditions were born, and the club became a venue for the exchange of upper circles.

The popularity of the club is not only because of its forced style, but also because it can provide a private and elegant place, Huaxia advocates wealth not to be exposed, Confucius passed down the ancient precept and said, the king is not secret, the minister is not secret, the minister is not secret, and a few things are not secret, it is harmful. It is a gentleman's prudence and not out. Secrecy has been human nature since ancient times.

"It's not easy to find this place that Mr. Lin picked. A middle-aged man pushed the door in, wearing glasses, a suit and leather shoes, very energetic, Lin Fan quickly stood up and shook hands, "This imperial tea club, the environment is quiet, think about President Yi You will like it." ”

"It's really good. ”

Yizu is indeed very satisfied with the environment here, he is a native of Zhejiang Province, where the tea is very famous, there is a tea garden in his hometown, his love for tea is not for other successful people to decorate the façade, but in the blood.

Lin Fan smiled slightly, "Wouldn't it be a sin to let President Yi take time out of his busy schedule to see me, if you can't let President Yi relax a little?"

To be honest, he has been paying attention to Lin Fan's every move since he entered the door, he has already learned in detail about the company that is ready to borrow money from ICBC, but he doesn't know much about the leader who led this company to create miracles, but this contact he felt that the young man in front of him was not simple, not every young person could talk and laugh with the president of Yanjing ICBC, and he couldn't arrange the song to welcome him just right, and it was not easy to be good at dancing at this age.

At the same time, Lin Fan was also looking at Yizu, for the future plan he did have a little understanding of the president, grew up in the era of reform, a typical intellectual, in 1985 into the staff bank, in the ICBC system has a deep relationship, otherwise it would not be possible to be the president of the Yanjing branch.

But since he came in, even if it was a private meeting, he also sat and sat down, and his actions were straightforward, such an official is either cautious or has party spirit, in other words, this is the material for being an official, and the officialdom is not only glamorous but also walking on thin ice.

"Xiaolin, I have read the materials submitted by your company, and there is no problem with the principle of a loan of 10 million US dollars, after all, companies like yours have created great benefits for the country every year, and the banks themselves prefer to help you companies that are on the rise. ”

"I still have to thank President Yi for his help, otherwise the program will be delayed a lot if it gets stuck a little. ”

"If this is the case, the bank will give you a loan and take the opportunity to collect interest, which is a win-win situation. ”

Lin Fan bowed his head when he heard this, and handed Yi Zu a cup of tea, "President Yi, did you say anything about the interest rate of this loan?"

Yi Zu laughed, "I thought you didn't care about this question, Xiaolin." ”

"How could it be? The company is now in the early stages of its business, and I can't wait to break it into ten dollars. Lin Fan complained shamelessly, without mentioning that this was his personal loan, the crying child had milk to eat, he was young, and he didn't have to care about this.

"The interest rate of the loan is usually determined according to the term, generally the interest rate is 4.5 percent within half a year, and the interest is 4.75 percent for half a year to a year, Xiaolin's company borrows 10 million US dollars is already a large amount, in view of the excellent repayment ability of the mortal company, after joint discussion between the party committee and the high-level, it was decided that the interest rate will be 4 percent, and we ICBC also need high-quality customers like mortals. ”

Lin Fan would not really attribute the credit to the so-called high-level officials, "President Yi, you have really helped me a lot, although I Xiaolin is young, but I remember that if you need help in the future, just ask." ”

"Xiaolin, this is a decision made by all my colleagues, and it has nothing to do with me. Just having said that, Yizu obviously had a satisfied smile on his face, in the economic world, especially in the banking world, connections are equally important, even if it is still the era when industry is king, but some knowledgeable people have realized the evil door of Internet entrepreneurs, these enterprises can often swell from worthless enterprises to hundreds of millions or even billions in just a few years, and Lin Fan, who is young in front of him, who can guarantee that he will not be a big man in the future?

"Governor Yi, needless to say, I understand everything. Let's set a one-year deadline first, and the payment will arrive in February. ”

"Xiao Lin is not very old, and he is happy to do things!"

The topic can end here, but Lin Fan thought about how he could give up easily, "President Yi, I heard that ICBC's personal online banking business in recent years has done a good job. ”

"Oh, Kobayashi's eyes are strangely keen. Yi Zu was stunned for a moment, and then reacted, "I forgot that this is also related to the Internet, how can I not let you pay attention." ”

Lin Fan smiled, "President Yi, I'm quite interested, you can talk about it for me." ”

"It's rare for Xiaolin, an Internet upstart, to ask me for advice, so I'll take an axe. "In the 90s of the last century, ICBC took the lead in launching a unified telephone banking service in the country, and ICBC telephone banking was rapidly developed with powerful and superior technological advantages, which established a good service image for ICBC and enabled ICBC to rank first among the five major commercial banks. ”

"But we have to face up to a situation, since Huaxia into the network, the development of the Internet makes information more convenient, in order not to be eliminated by the society, we must adopt a new way of trading, with the characteristics of the new era of the Internet at this time into the high-level sight, personal Internet banking will replace telephone banking to become the consensus of the high-level, so ICBC took the lead in opening the Internet banking business ......"

Lin Fan knows about these naturally, he is just just the right way to show his curiosity to lay the groundwork for the future, if you ask what is the most profitable in 2009, everyone will definitely say e-commerce, this year's Double 11 officially appeared, and the spring of e-commerce has officially arrived.

Why was Taobao founded in 2004 and did not become popular until 2009? A big reason is that the environment and the online payment system are not sound or even well-known to the public, computers have not yet been popularized, online shopping has not been accepted by the public, and e-commerce lacks a foundation for development.

In 2005, ICBC became the bank with the most personal online bank accounts, and if there is now an environment for incubating online payment platforms, then Lin Fan's choice is ICBC, which was named the best personal online bank in China by Global Finance in 2004.

"President Yi, I think online payment will become a trend in the future, and when people can transfer money through computers and mobile phones, the relatively cumbersome mode of telephone banking will be abandoned. ”

Yizu nodded, and then said worriedly, "Wouldn't this have a great impact on the physical outlets?"

"President Yi, you are a fan of the authorities, the physical online store will never shrink, as the mother of the incubation of the online business, only the physical online store is all over the region, in order to ensure and promote the online business, another ......."

In the room, one is intentionally guided, the other is having fun, and the confidant is probably formed in this way.......