Thinking of this past, Huang Wenbin couldn't help but feel a lot of emotion, and said casually, "No need, it's just a little urgent, can you borrow a toilet?" ”

Manager Shen was stunned, nodded again and again, and said, "Of course, please here." ”

The toilet inside the bank is nothing special, it is just an ordinary commercial decoration toilet, in fact, he also knows that the bank does have a reason not to set up a toilet, this kind of financial institutions, most of the counters are set up to prevent robbery, and all ordinary customers can touch the place must set up a camera to ensure that there is no omission.

Obviously, you can't set up a camera in the toilet (otherwise it's a big scandal), and there is no way to ensure that the robbers disguised as customers are not doing anything inside, and their own people inside the bank have to be on guard, not to mention the people outside, how can the entire security system leave such a big flaw, so they don't even want the toilet.

Understand to understand, understand to understand, this bubble of urine is still very happy. When he crossed back, he was no longer a nameless customer that the bank needed to guard against, but a VIP who the bank was desperately trying to curry favor with, and it was not in vain. Out of the toilet, Manager Shen waited outside and handed a towel to Huang Wenbin to wipe his hands.

Back in the office, Manager Shen turned to the topic, "Boss Huang, what are your plans for this 100 million yuan?" ”

"There are plans," Mr. Huang said.

"When are you going to use it?" Manager Shen asked again, "If you're not in a hurry......

"I'm in a hurry, I'm going to use it soon." Huang Wenbin interrupted him, "Transfer all this money into my stock account immediately." ”

"Is it all for stock trading?" Manager Shen was stunned, "That's really a big deal." ”

"Yes, there is no way, this big bull market is rare in ten years, and I decided to invest it all." Huang Wenbin said.

"Wouldn't that be too risky?" Manager Shen advised him, "It's safer to leave some of it for financial management." We have a stock market-type wealth management fund that can rise with the stock market. If the stock market doubles, so can our financial management. Of course, if it falls, it will also fall. ”

If it weren't for Huxi Heavy Industry, this fund would be really suitable. It turns out that as long as you have money, you don't have to look for it, and you can run over and ask you if you have the opportunity. "Let's talk about it in two years, not in two years." Huang Wenbin said. After a few years, when the time came to cross, Huang Wenbin couldn't find a good investment, and it was not bad to use the money he earned to buy financial management. The bank's own fund should be a little better than Yu'e Bao wealth management treasure or something, at least in terms of security.

"Now? Can it be a few days? Manager Shen asked again.

"No, I'll do it right away." Huang Wenbin said. That Huxi Heavy Industry is rising every day, and if it is a day late, it will be less profitable, I don't know how much money it is, otherwise Ding Shishi spent 30 million to buy stocks, and he would not mention it to Huang Wenbin so lightly.

"Leave it for a few more days, and I'll give you a 20% interest rate!" Manager Shen begged bitterly.

"20% in a few days?" Huang Wenbin was taken aback, "You give me 20 million?" ”

"Of course not, I'm talking about an annualized interest rate of 20%, which is about 0 a day. 05%, 100 million, is about 50,000 yuan. Manager Shen said, "50,000 a day, put it for four days, it's 200,000, there is no better business than this." Originally, I didn't need 100 million, but now according to 100 million, it is already the most favorable condition. ”

It's a pity that it would be nice if there were that every day, but Huang Wenbin also knew that there was no such good thing, to be honest, he didn't even know if this was a good thing, "You are a bank, are you also short of money?" Huang Wenbin asked. In his impression, banks are all mountains of gold and silver, and if you write a note casually, it will be hundreds of millions and billions.

"The business of our bank is, to put it bluntly, to take deposits at low interest rates and then lend them out at high interest rates. Sometimes the loan business is good, and it is inevitable to borrow more. It doesn't matter, as long as the deposit is not withdrawn together, you can always deal with it. However, the state is holding back when it does things, and it has to check our deposit-to-loan ratio every once in a while. If we deposit too little and borrow too much, we will be fined money, which is ridiculous for you. ”

Do you want to pay a fine? Huang Wenbin still has a little understanding of corporate finance, but he really doesn't know anything about banks. "I'm going to check these days, you don't have enough money?" Huang Wenbin asked.

"There won't be enough for any of them, and they're all looking for money on the day of the inspection." Manager Shen said, "At this time, we have to look for cash everywhere, so we are willing to pay 20% interest." ”

"Don't say 20%, just say 0 per day. 05%," Huang Wenbin said, "You say 20%, I honestly and unconsciously convert it into 20 million." It turned out that the banks were so unreliable, Huang Wenbin was shocked. Before the crossing, Huang Wenbin felt that the bank had unlimited money, and he could withdraw it whenever he went, but he didn't expect that there would be times when the bank borrowed money from private individuals. The world is so big, there are no surprises, and it is really impossible to see if you are not rich.

"It's good," Shen Jing said with a smile, "five ten-thousandths of a day." ”

"How much do you need?" Huang Wenbin was a little curious.

"This ...... About fifty or sixty million, of course, the more the better. Manager Shen said.

"Then you wait a while, give me the money first." Huang Wenbin turned on his laptop and plugged in his mobile phone to surf the Internet, if he usually wouldn't log in to his stock account outside at all, for fear that someone would hijack and analyze the password. But this is a bank, so there shouldn't be a problem.

"This ......" Manager Shen hesitated a little.

"Let's call and talk about it." Huang Wenbin insisted.

This was the legitimate request of the customer, and Manager Shen had no choice but to send the money over. Both sides are their own accounts, and there is no cross-bank, and the account arrives instantly. Manager Shen said that the daily interest rate of five ten-thousandths, Huang Wenbin did not put it in his eyes, he knew that a stock can rise several times a year, since he knew that Huxi Heavy Industry is indeed that god stock, Huang Wenbin gave an order, and hundreds of millions of yuan of funds swooped down on Huxi Heavy Industry.

To say that the stock plate of Huxi Heavy Industry is not small, but it has risen sharply, and the rise of this day has reached more than nine o'clock. Huang Wenbin's 100 million yuan became the last straw that crushed the camel, and Huxi Heavy Industry quickly rose to the limit, and only spent about 10 million at this time.

The stock market is so troublesome, when it rises, you can't buy it, and when it falls, you can't sell it. It is said that it is to prevent excessive speculation from forming a stock market crash, but the domestic stock market is simply a model of excessive speculation, and I have not seen this mechanism play a role.

"Okay, I'll leave you 40 million, and I'll get it in four days." Huang Wenbin said, "You can transfer 40 million to go back." "At this rate, it won't take 60 million in four days. As long as it does not hinder himself from making money, Huang Wenbin is very willing to be kind to others and has a good relationship with the bank, which is always beneficial.

"Xie Lu Xie Huang Boss, Xie Lu Xie Huang Boss. I only use it for four days, and I will definitely return it after four days. Manager Shen was overjoyed, "I have adjusted your service star rating to seven stars, even if you go to other places, you can use the highest level of vIP service." But he was still not satisfied, "Boss Huang, do you have a credit card now?" Shall I get one for you? You can call at any time, what to book, plan travel, repair cars, 24-hour service! ”

Huang Wenbin shook his head, "There is already a black card." "This so-called 24 little things personal service, is to learn from foreign countries, people's market norms are really useful. This is not the case in China, and the banks themselves do not have so many stores, and they are not outsourced to others, and it is terrible when they are outsourced, and it is not strange to encounter any strange things.

"That's not a credit card." Manager Shen is still trying to flicker, "There are many benefits of credit cards, they are used worldwide, accumulate credit, and the more you borrow, the more you borrow." If you don't have anything to do with your business, you can borrow at any time, with low interest and a loose repayment period. ”

In the past, Huang Wenbin had a lot of hard work if he wanted to borrow money to speculate in real estate, and if the bank couldn't borrow it, he had to go to a loan shark. Now the bank is rushing to send money to borrow it. "Okay, okay, what's the credit card limit?" Huang Wenbin asked.

"I don't know what to do, let's see how much the head office approves." Manager Shen said, "There must be a lot, you have so many assets, at least a few million." ”

"It's only a few million, I thought it could be tens of millions." Huang Wenbin said, forget it, a few million is not bad, lend it to buy a piece of land, and it will be tens of millions in a few years. Or keep the money for a more convenient time in case you need it. For example, if I was with Zhong Nina just now, if I could give money directly, I would definitely have got her by now...... If you think about it this way, it is better to lend it out and speculate on the house.

"Tens of millions is too much, you can borrow it, and it is impossible to directly hit the credit card limit." Shen Jing said with a smile, "Then I'll get you a few credit cards, I have all the information, you just need to sign it." ”

"Isn't it one? How did it become several again? Huang Wenbin felt that something was wrong.

"The limit of a credit card is limited, you want millions, don't you have to get several?" Manager Shen was clever, "Besides, some credit cards are good for buying cars, some are good for credit card consumption, some credit cards have low interest rates, some credit cards have large credit limits, and some credit cards have low requirements, you can also borrow with a large credit limit first, and then disperse to the credit cards with low interest rates, and then combine payments, you can use the lowest interest to borrow the most money, and you don't have to pay an annual fee." ”

"That's too much." Huang Wenbin looked at his small wallet, "I can't stuff so many cards." "There are several bank cards, and there are other membership cards, discount cards, supermarkets, haircuts, golf, and the mess adds up to twenty or thirty.

"Not much, how can it be more, you watch the movie, as soon as those rich people open their wallets, they have no money." Manager Shen said, "It's all rows of credit cards, that's enough." As long as you apply for a credit card, we can also give you a special leather wallet with a full 50 card slots! It doesn't matter if you forget how to use it for a while, call me at any time and I'll plan it for you. ”