Lin Qiang couldn't react a little, is Luo Yongsheng's IT strongman thinking so jumpy.

"Funds? What fund? Private or public? ”

"Public, equivalent to those funds sold by your bank." Luo Yongsheng said, "Our WeChat message has now also added the payment function, we are not taking the road of online shopping, it is timely payment, Anytime, Anywhere concept, every time the user eats, takes a taxi, watches a movie, any behavior that generates consumption, you can pay through our WeChat, there are additional discounts." Although we didn't make any money in this process, we have already made users develop the habit of micro-message payment. ”

"Is it just to trap users more firmly?" Lin Qiang muttered.

"When new habits are generated, it is the beginning of disruption."

"What do you mean......" Lin Qiang thought about it, and was suddenly startled, "Do you want to sell funds on WeChat?" ”

"That's what it means, you just react quickly." Luo Yongsheng explained, "The kind of fund that buys and redeems immediately, so that the money is put there, not only has a higher yield than the bank, but also is convenient to withdraw at any time, convenient + affordable." ”

"......" Lin Qiang frowned and thought for a long time, "But the bank also sells this kind of fund?" ”

"After all, the bank is inconvenient, the delay in purchase and redemption is too large, and many young people will not deliberately manage their finances, my idea is that whether it is a few hundred or thousands of dollars, it can be placed in the fund, and it can be used at any time to make a profit."

"Mr. Luo...... Lin Qiang frowned and sighed, "Are you going to challenge the entire banking industry?" ”

"How can you be so bold, you are laughing." Luo Yongsheng hurriedly avoided suspicion. "Take a hundred steps back and say, Weixin doesn't have this strength."

"This is the ...... It's hard to ......," Lin Qiang pursed his lips and said, "But if it is really done, it will be terrible." ”

"Will it affect the bank?"

"I don't know, it depends on the scale." Lin Qiang imagined the scene at that time, "If it really spreads to everyone like a virus, then the bank will be guilty." ”

"You guy, don't be so crisis-conscious?" Luo Yongsheng smiled, "When I talk to a financial advisor." He's got a thrill. ”

"Isn't it a different position?"

"But it's really hard." Luo Yongsheng hugged his head and said. "If you really want to do it, I don't know how much resistance it will encounter, politically, legally. Commercially...... Let's wait. ”

"Definitely. IT companies are under the control of the Ministry of Industry and Information Technology. However, the fund is under the CSRC, and if it crosses borders, it is necessary to open up the institution. There are too many licenses to apply for. ”

"I'll think again." Luo Yongsheng looked at his watch, "What they said should be about the same, let's go back." ”

"Okay."

"That's right." Luo Yongsheng patted Lin Qiang after being the most embarrassed, "This is a trade secret." ”

"Understood."

Back in the conference room, a few people inside had already started chatting, and when they saw the two bosses coming, a bunch of people hurriedly got up.

"How's it going, how are you talking?" Luo Yongsheng asked casually after sitting down.

"I have a basic understanding of the situation of Longyuan, and I am indeed very optimistic." The subordinate got up and pointed out the window, "The land we can invest in Longyuan is over there, one street away from here, about 400 meters away from the subway station." ”

"How does it compare to Shangdi and Wangjing?" Luo Yongsheng continued to ask.

"The cost of the land is less, but there are relatively few companies of the same kind around, and there is a sense of isolation."

"It doesn't matter." Luo Yongsheng waved his hand, "Jijing is crowded enough, and we are not a food stall, so we can't get together." ”

"That's what Luo said." The subordinate frowned and said, "Another point, those two high-tech zones have policy advantages, which are very beneficial to us in terms of taxation and government support......

"Longyuan is also attracting investment." Lin Qiang hurriedly said, "I can contact and meet with the secretary here, and the entry of Weixin into Longyuan will also bring great development, and I believe that the leaders here will give greater policy preferences." ”

"Oh?" Luo Yongsheng raised his eyebrows, "You even pulled the district government." ”

"Coincidence, coincidence."

"You're right, we already have a brand on WeChat, and we can't be hasty in such a big thing." Luo Yongsheng waved his arm and said, "In this way, you exchange contact information, and then ask Mr. Ma to talk about it, and he will talk about this matter." ”

"It's good."

"I will also let Mr. Ma pay attention to it." Luo Yongsheng continued to instruct, "In those two parks, there are too many large enterprises, and it is impossible for the government to favor one over the other, but in Longyuan, we are the leader, the first, according to our current asset scale, I believe that the district government can give a better policy." ”

"Then, Governor Lin." The subordinate looked at Lin Qiang, "Shall I contact you?" ”

"OK, touch the time at any time."

"It's good." The subordinates had fully understood what Luo Yongsheng meant, and took the opportunity to say, "When we go back, we will also focus on discussing the matter of Longyuan, and set Longyuan as the first choice for the time being." ”

"You decide this, I don't understand real estate." Luo Yongsheng waved his hand and smiled.

On the bright side, Weixin must be a democratic and innovative enterprise.

Seeing off Luo Yongsheng and his party, Lin Qiang's thoughts couldn't calm down for a long time, and Luo Yongsheng's ideas were still echoing in his mind.

At this stage, ninety percent of personal financial product transactions take place in banks.

In the personal financial business of banks, except for treasury bonds, there are nothing more than three aspects: wealth management, funds and insurance. The financial risk is the lowest, and the return is also the lowest; Funds are somewhat like a stable version of the stock market, with a little daily volatility and can be purchased and redeemed at any time; Insurance is purely sold on behalf of the bank, and the bank earns a commission on it. As for gold, foreign exchange, trust and other products, the sales volume is very unstable and does not belong to the core.

In the modern financial business, insurance is gradually declining, wealth management and funds occupy more people's field of vision, and these two products gradually have a tendency to homogenize, the core of which is to concentrate on the scattered wealth investment, so as to earn more profits.

It can be said that at this stage, the only channel for ordinary people to contact these products is through the bank's relationship manager.

In Luo Yongsheng's vision, all this will be easily done on the Internet and on the mobile client.

No more marketing with countless account managers, just a pop-up.

There is no longer a need for long-winded contracts. Only one confirmation is required.

You no longer need to come to the bank every day to check the rise and fall of the product, you only need to click a finger.

Easy, affordable, Anywhere, Anytime, this mechanism has nearly destroyed the publishing industry, the journalism industry, and even the communications industry, the physical retail industry.

Right now. Is it the turn of the banking industry?

While marveling at Luo Yongsheng's whimsical thoughts. Lin Qiang is also re-examining his position.

"Hey, what's wrong?" Zheng Shuai patted Lin Qiang and asked, "What did you talk about with Luo Yongsheng, you will be absent-minded when you come back." ”

"This guy. It's scary. Lin Qiang tried not to think about that. He only shook his head. "These IT elites can't afford to mess with."

"Hehe, we must admire him for doing this." Zheng Shuai said with a smile. "But it's a virtual thing after all, it's too dependent on innovation, it comes and goes quickly. Comparatively speaking, banks are longer-lasting. ”

"yes." Lin Qiang didn't think about it, turned to the other side and said, "Xijun, you get off work first, go to October's house to sit down, and have a good chat with her." ”

"I'm afraid you're going to have a meeting!" Mo Xijun nodded hurriedly and walked back quickly.

"You're not going?" Zheng Shuai raised his eyebrows and smiled, "Wen Jun can't tell when he will come back." ”

"Huh?" Lin Qiangqiang smiled and said, "I just saw that you and the beautiful woman you brought with Luo Yongsheng eyebrows, do you want to help you ask for your contact information?" ”

"Be quiet! I just looked at it twice. ”

……

In the following month, both Jijing Branch and Longyuan Branch entered a stage of rapid expansion.

At the level of the entire branch, under the great encouragement and pressure of Huang Guangyao, he launched a counteroffensive and continued to win over all the customers who had contacts with Jijing Bank, and even the steady leaders like Zhu Fengshan were forced to run out every day like chicken blood, which shows the strength of this time.

On the other hand, Jijing Bank has basically stopped the vicious competition for public business, focusing on units and companies under the municipal party committee system, Chen Xingyuan has used many years of contacts and terrible network to reach cooperation with many organs and state-owned enterprises, and has repeatedly made miraculous achievements.

As for Longyuan, there are a total of 13 people in the team for public affairs, of which 4 are stationed in Taiwan, 3 are process personnel, and the remaining 6 people are divided into two groups, led by Mo Xijun and Liao Liang, respectively, to launch a locust invasion in Longyuan.

When CCB was preparing to carry out corporate business, the business card of Union Bank was basically placed on the desk of every office building of Longyuan.

In October, with the secret help of Xia Xin, he successfully got the position of the corporate business department of the branch, although it was not as dazzling as the previous chairman's secretary, but it was in line with October's style. After negotiation, the official entry time was set after the Spring Festival, which can be regarded as a big face sold to Lin Qiang by the branch's manpower.

……

At the regular meeting at the end of the month, the entire Longyuan sub-branch was crowded in the conference room.

After reporting to the supervisors of both the public and private aspects, Lin Qiang's expression was mixed.

"The personal business has broken 50 million, and the sales performance is also good, which is a good thing." Lin Qiang said approvingly to the people behind Zheng Shuai and others, "I basically didn't focus on personal interests this month, it seems that everyone has completely entered the state, and I am ready to sign the bonus list after the meeting." ”

The private personnel breathed a sigh of relief, they were afraid that Lin Qiang would have too high requirements for business, and when they heard these words, they were naturally down-to-earth. Among them, there are many Xiao Xiao and others, who began to have gold stars in their eyes when they heard the word "bonus".

For Lin Qiang, this achievement can only be regarded as decent, not unexpected, nor lower than expected, no way, the private business completely depends on the local environment, Zheng Shuai can do this is not easy, almost everyone only rests for four days this month, and can no longer exert pressure and blows.

"As for the right man." Lin Qiang looked at the materials in his hand and frowned, "Less than 8 million, it's a bit miserable." ”

The venue was silent, and the public couldn't help but be a little depressed about public affairs.

"It's my responsibility." Mo Xijun sighed and broke the silence, "I had too high expectations for the verbal agreement before, I was too optimistic, and when it actually worked, I was not prepared enough in the face of their delays. ”

"I'm responsible, too." Liao Liang rubbed his forehead and said, "Although there are a large number of customers, most of them are just simple operations such as opening accounts, and the actual amount of funds attracted is too small, but the time and energy paid by the people on my side is too much, and the gains outweigh the losses." ”

"That's to be expected." Lin Qiang waved his arm and smiled, "I don't mean to blame everyone. The biggest responsibility is me, the general branch, the president relies on the relationship to pull a large order, to maintain the operation of the entire branch, but my ability is limited, I can only let everyone put in more efforts. ”

"Governor Lin." Mo Xijun said, "We are a new sub-branch, and we will definitely go through this kind of stage. ”

"yes, so I don't blame everyone." Lin Qiang pursed his lips and asked Liao Liang. "We already have the qualifications to lend. There are so many real estate agents around, so many house sales transactions, and we are the only bank with loan qualifications in Longyuan, why do you only have two housing loans this month? ”

Liao Liang immediately replied: "Actually." More than a dozen real estate agents have been here this month. Ask us about the loan here. But in fact...... It's all here to talk about rebates...... I asked you before, and you said that you should not promise rebates for the time being, and in the end they will have to take the customer to the city bank. ”

"More than a dozen...... Lin Qiang then asked. Can you estimate how much business will be done in this area each month if we give rebates? ”

"Needless to say, I talked to the real estate agent." Liao Liang Zhengse said, "Longyuan has 12 real estate agencies, with a large volume of housing transactions, and it is conservatively estimated that the number of monthly orders is more than 300, of which at least 20......0 loans are involved."

"200 ......" Lin Qiang pursed his lips again, "This can't be ignored, I'll go to the branch to talk to the relevant people to see if I can get rebates, although the profit of personal housing loans is very low, but for us fly legs are also meat, if the amount can go up, it is not a small performance." ”

"Those people revealed that other banks are now about 0.3%, and I don't know if it's true or not." Liao Liang got up and said, "If I can fight for it, I can guarantee that I can win over all the real estate agents as soon as possible." ”

"OK, hard work." Lin Qiang said to Mo Xijun, "Xijun, don't be discouraged here, it is a very cumbersome matter for enterprises to change cooperative banks, they need to prepare and wait, not to mention that most of the institutions and enterprises you contact here are government backgrounds, and the efficiency will definitely not be too high. ”

"Yes......" Mo Xijun was encouraged, and his expression eased a little, "Longyuan Hospital has already determined, and it will be transferred in the middle of next month, and the resident capital will be at least 10 million." ”

"Please." Lin Qiang glanced at the audience and said loudly, "Recently, I heard a bad saying, so I'll correct it here." As you can see, now our private business is completely ahead of the public, so some people feel unbalanced, feel that the profits earned by working hard for private life should be fairly divided with the idle people, this view I understand very well, I have also experienced such a thing, here I do not intend to explain too much, just a simple sentence - soon, we will enter the situation of public support and private support, and soon feel that the imbalance will be the public personnel, please try to restrain your thoughts and remarks now, so as not to have internal contradictions. ”

Many people who are interested in private business lowered their heads and did not dare to look at Lin Qiang.

Lin Qiang added: "In terms of bonuses, I have always followed the best rules, not favoring any side, let alone myself, and I am confident that there is no fairer than me in all branches." If you have an opinion, it's okay to come to me, and it's okay to react to the branch, but please don't form a gang in private, spread rumors, and intensify the conflict, I can't tolerate this. ”

"Didn't I just make a joke, as for it?" Xiao Xiao snorted sideways.

The audience swallowed and spat.

People haven't changed, but people's positions have been changing.

Xiao Xiao, the head of the thorn, is well known, and now the target of the thorn seems to be Lin Qiang.

"It's not an exaggeration to joke with me, but it's not a joke." Lin Qiang was not relentless at this time, and scolded sharply, "Don't have a next time." ”

Zhilu said...... ......" Xiao Xiao glared at Lin Qiang and swallowed back in one breath.

Lin Qiang saw that she didn't say much, so he said: "Now that there are enough manpower, let's start making up for last month's vacation this month, and Zheng Shuai has worked hard to arrange shifts." ”

“OK。” Zheng Shuai hurriedly smiled and played a round game.

"Break the meeting and find Zheng Shuai to sign the bonus list." Lin Qiang picked up the materials and took the lead in leaving the venue, "Xiao Zao, come here." ”

In the office, Lin Qiang was lying on the desk, looking very tired.

In front of his subordinates, he must move forward bravely, not hesitate, not retreat, only in this small space, can be a little vulnerable.

"The President...... You don't want to discipline Sister Xiao Xiao like that......" Lin Xiaozao poured a glass of water for Lin Qiang and put it on his table.

"Just call me Lin Qiang in private." Lin Qiang held the water cup and said, "You find a chance to talk to Xiao Xiao and see what she means." ”

"Huh?" Lin Xiaozao asked, "Everyone is separated by a wall, why don't you ask?" ”

"I can't ask." Lin Qiang shook his head, "Didn't you notice, it's too close to Xiao Xiao, and it's already difficult for me to manage, so that's it." ”

"............" Lin Xiaozao was stunned for a long time, swallowed and foamed, "President...... No, Lin Qiang...... No, I still have to call you president...... I understand that this is a last resort, but I believe that Sister Xiao Xiao definitely has no bad ideas, and she has no idea of doing anything based on her relationship with the president. ”

"You think everyone is as good as you." Lin Qiang rubbed his neck, "I'm worried to death, there is such a living treasure inside." ”

Lin Xiaozao slowly walked behind Lin Qiang, sighed, made a lot of determination, gently stroked his neck with both palms, and pressed it softly: "Captain, don't be too tired, you're thinking too much." ”

"Comfortable ......" Lin Qiang closed his eyes and immersed himself in the comfortable feeling, "It's good to have you...... Caring ......"

"Hehe, I'll be like this."

“…… Whew......"

"Governor?"

"Hoo ......"

"I'm too tired...... Lin Xiaozao gently pulled his hand, took a coat from the corner of the wall, draped it on Lin Qiang's body, and blushed and embarrassed, "This ...... Do you want to confess to Wenjun? (To be continued......)