Guo Tao is now a figure in Huacheng, Guo's Logistics, Guo's Express and Guo's Shipping Company, these three companies have been reorganized into Guo's Group this year, Guo Tao is not only the president of this company, but also a shareholder of a series of companies under Zhou Liwen.

In terms of assets, with the big sales of ORz smartphones, coupled with his proportion of shares in all enterprises, he is already a veritable big boss, and in the words of later generations, it is not an exaggeration to call him a "local tyrant". But the problem is that although Guo's cash flow is a lot, due to the relatively large stalls, bank opening banks are everywhere, and because of the particularity of the logistics industry, the actual proportion of funds that can be used every month is far less than that of ORZ company.

"Guo's account bank in Huacheng is in the Bank of China, and it is divided into foreign exchange account and RMB account, even if you want to transfer the RMB account, it will be tens of millions of funds. I said Lao Zhou, isn't the surplus of funds on ORZ's side quite large? Wouldn't it be better to open an account here than Kwok's? Guo Tao touched his head and asked a little puzzled, but when he said that he had tens of millions of funds per month, he didn't notice that President Ge on the side had already begun to light up.

Zhou Liwen smiled, shook his head and said: "Orz is different from Guo's, although there are a lot of funds over there, don't forget the settlement on the American side." Huhai Bank's foreign exchange settlement business is too troublesome, and it is possible to put the money over unless this problem is solved. But in any case, I am still a shareholder of Shanghai Bank, so there is no reason to put my money in the Bank of China without taking care of my own bank, right? ”

Speaking of which, Zhou Liwen glanced at President Ge, and President Ge nodded awkwardly, indeed as Zhou Liwen said, the current domestic and foreign exchange settlement business is mainly responsible for the Bank of China, although the ORz company is very profitable, and there are a lot of funds in hand, but because of this problem Zhou Liwen still has to continue to operate the account in the Bank of China, otherwise Zhou Liwen can replace the opening bank with the Huacheng branch, and President Ge may laugh when he dreams.

Seeing President Ge's somewhat embarrassed expression, Zhou Liwen said with a smile: "I just said, in fact, it is most appropriate for Mr. Guo to help." In fact, I think the most important thing for Huacheng Branch now is not what is to absorb savings, but popularity. When we came in just now, there were not many customers in the entire hall, and there were more staff members than guests, so how could we conduct business? ”

Picking up the cigarette, President Ge hurriedly lit the fire and went over, and Zhou Liwen lit up and smoked: "Bank, in my opinion, it is actually no different from a hotel." The more lively and popular it is, the more popular it is, so that the bank can do it. Xiao is depressed and lifeless, and I wouldn't come to the door if I were a customer! ”

"What does Dong Chou mean ......?" Hearing this, President Ge came over with some aftertaste and asked tentatively.

"It's very simple, Guo's scale in Huacheng is so large, so that Mr. Guo directly transferred the RMB business from Bank of China to Huacheng Branch, although the monthly surplus funds are not enough, but Guo's cash flow is still very frequent. In addition, Guo's has nearly 1,000 employees up and down, and the salaries of these employees can also be obtained in the Huacheng branch, and it is not difficult to get a salary card for all employees. Anyway, in two months, Guo's will be upstairs for office, and it is convenient to go upstairs and downstairs, Lao Ge, what do you see? ”

"Wonderful! Wonderful! President Ge patted his thigh and smiled: "Dong Zhou is Dong Zhou, why didn't I think of this trick." What you said just now is really right, I really don't know how to worship in front of the true Buddha! Mr. Guo, Boss Guo, everyone is their own people, brother, please leave it to you. ”

"Hehe, in a word, a little meaning, I'll arrange it, and let the finance come to you directly tomorrow?"

"Okay, okay, this couldn't be better." Governor Ge was overjoyed and thanked him repeatedly, and then Guo Tao also took the initiative to pat his chest and assured him that not only would he transfer Guo's RMB business to the Huacheng branch, and then the salaries of the group's employees would also be paid by Huacheng Bank, and he would also contact some of the companies he cooperated with, and with the face of his boss Guo, it would be basically no problem for President Ge to pull a few more customers.

With the support of Zhou Liwen and Guo Tao, his work as a branch manager will be much easier, and when the business in Huacheng is carried out, his status in the head office will definitely rise, maybe he will work for a few years and make achievements, and he can go further before retiring after being transferred back to the head office.

The matter of the Huacheng branch was so determined, Zhou Liwen set the tone, and Guo Tao could handle the specific matters. It is now the middle of 2oo2, less than half a year away from 2oo3, 2oo3, which is a turning point in China's real estate market, since the New Year's Day of 2oo3, China's real estate that has been lifeless has finally ushered in a blowout for more than ten years.

The decade from 2oo3 to 2o13 can be said to be the golden market of China's real estate decade, during which China's real estate market has been stunned by the whole world, and has created a large number of "real estate tycoons". Who would have thought that the house price of only 7oo yuan per square meter in the suburbs of Shanghai would rise like a rocket from next year to a high price of nearly 20,000 yuan at the beginning of 2o14.

The windfall profits of up to dozens of times have made the whole country crazy. Buy this year, sell next year, or even buy this month and sell next month. Real estate is like another stock market, and it is a stock market that only rises but does not fall, countless people go forward and continue to pounce on it, food and clothing go in, millionaires come out, well-off people go in, multimillionaires come out, bosses go in, local tyrants come out .......

There is a very vivid saying in later generations: the poor turn over and move by moving.

In the past, relocation was a derogatory term, and large cities such as Huhai, Kyoto, and Huacheng passively moved from the city center to the suburbs for resettlement, which was unwilling for the vast majority of relocated households. The resistance to relocation has caused a lot of forced demolition and other incidents, and there have even been bad incidents in Shanghai that are unwilling to move.

But with the passage of time, especially after 2O1O, the nature of the movement has changed dramatically. Leaving aside the second- and third-tier cities in the mainland, as the first-tier cities mentioned above, with the rising housing prices, the relocation has become hot from the initial fear. Even some residents of the old city excitedly rushed to tell each other as soon as they received the notice of relocation, and exchanged a dilapidated old house that they had lived in for decades or even several generations for a few new houses, and even received a large amount of relocation money, which is the only financial opportunity that most people dream of.

By 2o14, almost all of the top of China's rich list were real estate starters, and this alone shows the boom in China's real estate market in this decade. But Zhou Liwen knows that in fact, in this feast, it is not those real estate developers who are really making a lot of money. It's not the so-called local tyrants who rely on real estate speculation.

No one could have guessed that in the past ten years, it has been the banks that have made more money than real estate developers, and it has been the banks that have been paying no attention to it. Relying on the recovery and prosperity of the real estate market, banks, as financial institutions, not only obtain investment benefits from developers, but also obtain rich returns from home buyers. In addition to these, there are also mortgages, financing, construction participation, etc., in which banks have quietly taken away the largest piece of profit without the attention of the outside world, and what remains is what real estate developers and real estate speculators are desperately chasing is the more risky leftovers.

The reason why Zhou Liwen took the opportunity to invest in Huhai Bank was because of his Alipay project on the one hand, and on the other hand, it was also to prepare for the real estate feast that was about to start. In the previous life, although Huhai Bank also made a lot of profits in this feast due to business strategy reasons, it still has a considerable gap compared with the old banks such as ICBC, CCB, Bank of China, and Agricultural Bank of China.

But now it is different, with the emergence of Zhou Liwen, Huhai Bank is his best platform, plus he already has his own real estate company, and Guo's Enterprise Building in Huacheng is a cooperation in order to test the waters.

Moreover, even if the upper echelons of Huhai Bank have concerns about investing heavily in the real estate market, Zhou Liwen will not let go of this opportunity. Although he is not directly involved in the operation of the bank, he is still the fourth largest shareholder of Shanghai Bank. If he asks the board of directors to invest in real estate projects as an independent project, and the bank only needs to provide a platform and cooperation, according to the fixed income without taking risks, Zhou Liwen feels that the feasibility of Tongguò is still very large.

Since he became a shareholder in Huhai Bank, Zhou Liwen has been preparing for this, and Yao Liang has already communicated with him, and after being beaten by him before, Yao Liang can be regarded as clearly aware of his correct position, and understands that only by following Zhou Liwen can he have a future. What's more, this time Zhou Liwen also hinted at him that as long as he cooperates with himself, once he succeeds, it is not impossible to support him to the position of president of the head office of Shanghai Bank within ten years. In addition, Zhou Liwen's overall plan also includes the expansion and development of Shanghai Bank, which makes Yao Liang excited.

It is a move to invest in Huhai Bank, Guo's Enterprise Building is a move, and it is also a move for Huhai Bank to set up a branch in Huacheng.

Zhou Liwen used this method to work steadily and steadily, and he gradually gained influence within the bank without the attention of the senior management of Shanghai Bank. After returning to Shanghai, Zhou Liwen met with Yao Liang again in private, and asked him to promote the support for the Huacheng branch in the head office, and strive to use the remaining half a year to establish the outlets in Huacheng and the southeast to the greatest extent.

The headquarters of Huhai Bank is in Huhai, but Zhou Liwen's main battlefield is in the southeast, in Huacheng, in his opinion, Kyoto Tianzi is too wide to involve at the foot of the Son of Heaven, and Huhai is the headquarters is not easy to operate, but in the southeast and Huacheng there is no such difficulty, as a new branch and outlets, the emperor is far away, Zhou Liwen is very sure to use this opportunity to set up a "strong domain" role for the Huhai headquarters.

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