Chapter 398 Credit and Debit Cards

PS: Thank you for the monthly ticket of Zhou Zhenguan, and thank you for the evaluation vote of Dama. I would like to ask for your guaranteed commuter pass and recommended ticket

The leaders of the Lishan District Party Committee and District Government quickly reached an agreement, if they rejected Shi Wensheng's jihua, they would not only offend Shi Wensheng, offend the Fang family, but also offend Zhao Xu'an, and no matter who becomes the leader of the Jishu Development Industrial Park in the future, unless he can not care about the influence of the Fang family, otherwise, no one can bypass the behemoth of the Fang family. And without the strong support of the Fang family, no one dares to guarantee when this Jishu Development Industrial Park will be able to truly attract the Golden Phoenix.

If the development of the Jishu Development Industrial Park fails, what should be the good thing when Zhao Xu'an settles accounts in the future? The risks involved are too great.

And if Shi Wensheng is sent to the position of the actual leader of the Jishu Development Industrial Park, if the development of the Jishu Development Industrial Park is smooth in the future and the investment promotion work is excellent, this glory will also be indispensable to them. Although it is not much, it is better than no stain or even a stain, right? It can be regarded as a favor for the Fang family.

Therefore, before the Spring Festival of 91, the Lishan District Party Committee and District Government reached an agreement and decided to appoint Shi Wensheng as the executive deputy director of the Jishu Development Industrial Park in Lishan District, presiding over the daily work of the Jishu Development Industrial Park, and the post of director will be concurrently held by Zhao Xu'an, Secretary of the District Party Committee.

At this point, the competition for the position of the top leader of the Jishu Development Industrial Park is considered to be settled, and Zhao Xu'an will become the nominal supreme leader, guiding the development and construction of the Jishu Development Industrial Park, and the actual executor will be Shi Wensheng, a new section chief who has just become the deputy section chief and has jumped a level. And these leaders of the district party committee and district government can only turn their attention to those departments in the Jishu Development Industrial Park, and strive to insert their cronies into it.

With Shi Wensheng's Jihua book, these people believe that as long as all departments cooperate honestly, then the construction and development of the Jishu Development Industrial Park in the mountainous area will not be a problem, and the fruits of victory are already a gesture This is simply a political achievement for everyone

Before the festival, the Fang family's villa ushered in an old friend, Gu Yucheng, president of the Northwest Branch of the Bank of Communications and president of the Qinxi Provincial Branch.

Today's Gu Yucheng is already the highest leader of the Bank of Communications in the five northwestern provinces of China, among them, Fang Mingyuan is naturally a great contributor to the 90 years, Fang Mingyuan in order to raise funds, in the Bank of Communications Qinxi Provincial Branch handled the huge amount of mortgage, so that Gu Yucheng in the Bank of Communications system is in the limelight, stealing the brilliance of others. It also made him take a big step forward from the position of the president of the Qinxi Provincial Communications Branch. Now as long as Gu Yucheng wants to enter the headquarters, a deputy general manager position is not a certainty. And within the Bank of Communications, everyone agrees that Gu Yucheng is definitely the most powerful contender for the presidency of the Bank of Communications after the old president leaves office.

Gu Yucheng came to the Fang family this time, on the one hand, he gave Old Man Fang an early greeting in advance, and when it was time for the official New Year, whether it was the Fang family or himself, the visitors would definitely be indispensable, and it would not be easy to find some quiet time to sit down and talk about something.

On the other hand, it was to send a credit card to Fang Mingyuan and his family. ON JANUARY 31, 91, HUAXIA BANK OF COMMUNICATIONS OFFICIALLY REACHED AN AGREEMENT WITH MASTERCARD AND JOINED MASTERCARD, WHICH IS WHAT HUAXIA PEOPLE CALL MASTERCARD INTERNATIONAL ORGANIZATION. The organization is a non-profit association of financial institutions around Shijie, whose members include commercial banks, savings and loan associations, and credit cooperatives.

"VISA and MASTERCARD are the two major credit card organizations in Shijie, in our opinion, there is no saying that who is good and who is bad, but generally the United States uses VISA more, and Europe uses MASTERCARD more. And the two organizations can also transfer money or spend money between each other, so it won't have any inconvenient impact on your consumption behavior. Gu Yucheng pointed to more than a dozen Seiko credit cards on the table.

Fang Mingyuan casually picked up one and played with it in his hand, and asked with a smile, "Uncle Gu, what is the overdraft limit of these cards?"

Gu Yucheng raised a finger and smiled silently.

"100 million yuan?" Fang Mingyuan asked tentatively. In his previous life, although he had also used credit cards, they were all low-level cards with an overdraft limit of no more than 100,000 yuan, although he had also heard that in many large foreign banks, even platinum credit cards with unlimited overdrafts were provided for those top big customers.

"One billion yuan," Gu Yucheng said with a smile, "This is a credit card that I applied for special approval from the head office, and there are three overdrafts with a maximum of one billion yuan, and the remaining six are 100 million yuan, and the rest is 10 million yuan." ”

Fang Mingyuan nodded, these three credit cards with an overdraft limit of up to one billion yuan should be prepared for themselves, Old Man Fang, and Uncle Fang, because in Gu Yucheng's opinion, only the three of them could fully mobilize the Fang family's funds. As for the six credit cards with an overdraft limit of 100 million yuan, they should be for their parents, second uncles and husbands, as well as grandmothers and aunts, and the rest are for aunts and sisters-in-law. Such an arrangement is reasonable. It is in line with the economic status of these people in the Fang family in the family.

"Uncle Gu, are you still satisfied with the production level of these cards?" Fang Mingyuan said as he put the credit card back on the table. These cards are all made by the current inconspicuous card factory in the Fangjia industry. As early as a year ago, Fang Mingyuan tried to introduce a few card machines from European and American countries, and set up a factory in Fengyuan, although the business volume has not been large, and the profits are even more insignificant, but it has trained a group of well-trained workers and mature designers.

This time, the Bank of Communications decided to issue a credit card, Fang Mingyuan and Gu Yucheng just said hello, and the business fell into his hands.

"Satisfied, satisfied, very good" Gu Yucheng nodded again and again. Fang Mingyuan's card factory designed many patterns in a short period of time, and made sample cards and sent them to the branch, compared with several other banks in Fengyuan City, this quality is not a little bit higher. Gu Yucheng felt that it was worth the money.

Fang Mingyuan smiled, he spent a lot of money to invite famous credit card designers in Hong Kong to train the designers in the factory for half a month, and let them practice for so long, if they can't even meet the requirements of Chinese people who have just come into contact with credit cards, these people are too wasteful

"Then ......," Fang Mingyuan said in a lengthened voice.

"After the holiday, the agreement will be officially signed, and the credit card production of the Bank of Communications of the five northwest provinces will all be handed over to you," Gu Yucheng replied happily. The Fang family is now his nobleman, and after only a few years of acquaintance with Fang Mingyuan, he has already jumped three poles and become one of the people with the highest power position in the Bank of Communications outside the head office, what else can he not be satisfied with? What's more, the Bank of Communications, now in Qinxi Province, the largest private enterprise customer is the Fang family, this little convenience, of course he has to give face.

Fang Mingyuan smiled and said, "Uncle Gu, I want more than that. ”

Gu Yucheng raised his head in surprise and said, "What else? Bank of Communications' nationwide credit card production business, that's not up to me." ”

"No, no, no," Fang Mingyuan shook his head and said, "Uncle Gu, in fact, I want to do another card business in your bank?"

Gu Yucheng couldn't help but be a little confused, what card business did the Qinxi Provincial Branch of the Bank of Communications not be handed over to the Fang family? Even the identity cards and meal cards of the employees have now been handed over to the Fang family's card factory.

"Uncle Gu, have you ever thought about the Bank of Communications to make the discount of the current deposit into a card, which can be used to spend in the store like a credit card, but when the card is swiped, the amount of money in the account can be directly deducted from the deposit account to swipe how much money, and there will be no over-brushing, overdraft or revolving interest. You can also transfer money and withdraw money through ATMs, but you can't overdraw it, and the amount in the account will be charged interest on current deposits. Fang Mingyuan held a credit card between his fingers and shook it in front of Gu Yucheng and said, "You say, those young people who are not qualified and can't apply for credit cards, will they be obsessed with this kind of credit card consumption? At least in front of people who don't know, they can act as credit card families, isn't it? This is a very face-saving thing." ”

In the early 90s, the number of people who could use credit cards was almost negligible in China's huge population, like drops in the ocean. At this time, the credit card business of major banks is purely cultivating the market, and the annual investment and profit are completely disproportionate. Even after 2,000 years, even in first-tier cities such as Beijing, Shanghai, and Fengyuan, there are still many citizens who do not meet the criteria for issuing credit cards.

So in this period, like the card equipment prepared by the store, as well as the ATM machines in the streets and alleys, in fact, the utilization rate is not high, the Chinese people like to use cash, after two thousand years, it is shijie famous, so those foreign thieves, robbers or something, the favorite is nothing more than robbing the Chinese tourists, but also save them to bother to find a way to cash out the money in the card.

Gu Yucheng's eyes lit up immediately, Fang Mingyuan's idea undoubtedly caters to young people who pursue fashion, although their income is not high now, but over time, they are bound to become the backbone of society, and at that time, that is, when they are eligible to apply for credit cards. If Bank of Communications can provide them with the same services as Fang Mingyuan said from now on, it will undoubtedly attract a huge group of future customers in advance

Moreover, there is no risk for banks other than raising some costs