0118 Foreign capital

Lin Qiang knew that Mo Xijun was busy with work, and he didn't ask her out, but only said that there was some progress on the Union Bank's side, and now he happened to be free, so he went to her place of work to sit down and have a brief chat. Although Mo Xijun knew that it was a bit rude to let Lin Qiang come to him, he had no choice but to comply with the insistent request of his old classmates.

Mo Xijun's Chang'an Street branch is not too far from Dongmen Bridge, and Lin Qiang squeezed two subway stops to get to the office building.

The office building looks good, but because it is close to the famous Jijing International Hotel and is located in a location like Chang'an Avenue, it seems too ordinary in comparison.

Lin Qiang stepped into the hall along the revolving door.

Compared with domestic banks, the decoration of Citibank's business hall is more quaint, and at the same time, it is more empty, the floor tiles are bright and reflective, and there are few customers in the whole business hall, and several staff members stand upright, which is very different from the bustling atmosphere of domestic banks.

I have to say that CitiBank's big LOGO is still very bluffing, and those who pursue high-end atmosphere and grade must like it here.

"Hello sir." A female staff member Ying Ying walked over and handed her business card with both hands, "I'm Linda, it's your first time to come to me." ”

Citibank's uniform is in a blue tone, with a white long-collared shirt inside, which is a little less sultry and a little more dignified than the Union Bank's vest stocking suit, of course, as far as Lin Qiang is concerned, he still prefers the bank's clothing.

Lin Qiang took the business card and said with a smile: "I'm sorry, I came to find Mo Xijun, you don't have to entertain me." ”

"Looking for Cici?" The female staff were not so disappointed. still gave a polite smile, waved his hand and led Lin Qiang to the backstage, "Please come with me, have you made an appointment?" ”

"Agreed." Lin Qiang put away his business card, a little flattered.

If it is in the business hall of your own supervisor, and every customer is entertained like this, I am afraid that hundreds of business cards will be thrown out, and it will take 10 times more manpower.

The services of domestic banks have been criticized, and this is also something that cannot be helped, generally speaking. The less people you have, the better your banking services. The more the merrier, the worse. In a place like Longyuan Business Hall, there is a long queue to do business, and it is impossible for the staff to be meticulous in serving tea and water; And in places like Citibank, there are only a few dozen customers a day. Instead, there were four or five staff members lining up in the lobby waiting for reception. The quality of service is naturally not on the same level.

Ultimately. is still a different positioning, Lin Qiang remembers that the minimum deposit amount of Citibank is about 200,000. In other words, if you want to do business here, you must first deposit 200,000 yuan before you can enter the door, which is basically the level of VIP in domestic banks.

At the same time, this kind of bank has extremely high requirements for the quality and appearance of the staff, which is not much worse than the selection of flight attendants. The staff who came and went on the road, the advantages of temperament and appearance were also obvious, and when they saw customers visiting, they all stopped, bowed and smiled, and only continued to walk after Lin Qiang passed.

This made Lin Qiang think of the people in his business hall, even if Lin Xiaozao, Xiao Xiao and Zheng Shuai were peugeot, but others didn't dare to compliment, Zhang Jiaming really didn't even have enough mascot standards. As for the service attitude, if you stop and smile when you see every customer, then don't do anything on this day.

The gap, there is still one, and it is difficult to make up for it.

Foreign banks attract talent with higher salaries and "opportunities for further study abroad", and they must be the best of the best, and the top graduates are more willing to choose this kind of bank.

This is the ladder of talent attraction in the banking industry.

At the top of the ladder are several major foreign banks, including Citigroup, Huafeng, Standard Chartered, UBS and so on.

The second layer is the most powerful construction bank in China, a cutting-edge bank and a commercial development bank that takes the high-end route.

The third layer is the large state-owned banks, mainly the United Bank.

The fourth layer is the city bank with good development momentum.

The last is the tepid Postal Bank, the Rural Commercial Bank, and so on......

Therefore, only in terms of talents, there is a huge gap between banks at each level, which is very normal and in line with the laws of the market, but Lin Qiang regrets that the most outstanding people have invested in the arms of foreign capital, and the loss of talents will affect the competition to a large extent. China is not India, not the kind of country that wants to hug the thighs of the yellow-haired capitalists and make them slaves. China has great room for development, industrious quality, and never-ending ambition, and has all the capital for self-improvement.

Lin Qiang thought about it, and laughed to himself, it was really unfounded, this kind of thing shouldn't be his own worry.

Unconsciously, he had come to the customer negotiation room, and the staff invited Lin Qiang to sit on the sofa and brought coffee.

"Wait, Cici will be here soon." After bowing, the staff stepped back.

Not long after, Mo Xijun hurriedly came, still holding a briefcase in his hand.

"Oops, hey, I'm blind!" Lin Qiang made an exaggerated gesture, Mo Xijun in formal clothes and her at the reception were completely in two states.

At work, Mo Xijun coiled up his long hair, showed off his light makeup, and his face was full of professional smiles, confident and cordial coexisted.

In terms of the professional temperament shown in appearance, Lin Qiang is ashamed of himself, and none of the people he has seen can compare with Mo Xijun.

"Lao Lin, don't crowd people." Mo Xijun smiled lightly and closed the door, "Externally, you are my potential customer, otherwise it is not good to talk about personal matters during working hours." ”

"Don't worry." Lin Qiang casually skimmed it and picked up the money.

[Mo Xijun, activity assets, 70,000. 】

[Total assets: 610,000, of which 340,000 are financial management.] 】

[The career is going well, and the short-term is bullish. 】

[The work intensity is too high, and the long-term line is unknown. 】

[Fortune: wealth management products. 】

[Robbery point: None.] 】

Lin Qiang nodded secretly, this is a normal situation.

"Nodding your head?" Mo Xijun Yingying sat down, put down the materials, sat on the back of the sofa and softened, suddenly relaxed a little, revealing a little laziness, "Take the opportunity to relax for a while......

Lin Qiang is not good at delaying people's time, and said bluntly: "Zheng Shuai and I are all helping you work hard, you have an excellent resume, and wearing this to the interview will definitely amaze the audience, in general, if you have an internal recommendation, it should not be a problem to come to Union Bank." ”

Internal recommendation does not mean that it is a backdoor relationship, but a recruitment method of modern enterprises. On the one hand, the employees of the company will understand the employment needs of the company, and on the other hand, they will also understand the actual situation of their friends, and recommend personnel on the basis of understanding both parties, which will usually have higher efficiency. At the same time, some companies will also give the referee a bonus if they perform well. This is actually more cost-effective than paying for headhunters and recruitment promotions.

"So smooth?" Mo Xijun leaned comfortably on the sofa and smiled, "You two are doing well in Union Bank." ”

"Normally, I can say two sentences." Lin Qiang then asked, "Let's not talk about salary, let's talk about the direction you hope to develop in the future?" Is it a comfortable 9-to-5 clerical job, or in terms of credit, or continue to be on the side of big customers. ”

When Mo Xijun heard this, he knew that Lin Qiang had really put in a lot of effort, and he could be put on the table today after chatting just yesterday, and Lin Qiang's style of efficiency has never changed.

She didn't want to slack off, so she quickly straightened up and said, "To be honest, on the side of big customers, I basically rely on my face to do ......"

"Ha Lu Ha ......" Lin Qiang couldn't help laughing, pointing at Mo Xijun and said, "This is my highest pursuit, okay!" If I talk to a big customer, people will smile when they see me, how much trouble will be saved! ”

"It's still troublesome!" After Mo Xijun scolded with a smile, he continued, "Considering the development, the big customers are actually not good, it is difficult to rise again, and it is very likely to engage in marketing for a lifetime." And a lot of customers don't have a good character, you know. ”

"Uh-huh." Lin Qiang didn't say much, selling meat for performance is not uncommon in the financial industry, and he even heard that some customers directly fell in love with the salesman and raised them out of their wallets. Mo Xijun is obviously very tired of this kind of thing, otherwise according to her conditions, there is no need to be so tired.

"And on the side of large customers, with the fluctuation of the financial market, the performance will also be greatly affected, when the momentum is good, you can earn millions a year, and when it is not good, it is difficult." After Mo Xijun laid the groundwork, he cut his hair, and finally said, "So, I want to turn to the corporate side, compared with foreign banks, the corporate side is the advantage of state-owned banks, they have many stable large corporate customers, and the loan policy is relatively relaxed, not as strict as the foreign capital review." ”

"Oh?" Lin Qiang was stunned for a moment, and hurriedly asked, "Did you tell Zheng Shuai about this?" I don't know how to do it. ”

"Not ...... yet"

"......," Lin Qiang continued, "Then what did you all talk about last night?" ”

"This." Mo Xijun covered his mouth and coughed, "Just talk about it......"

"Privately decided for life?"

"You're looking for death!"

"Ha Lu Ha." Lin Qiang laughed, although he had already judged that Mo Xijun was a good classmate, he still said at this time, "We are all classmates, you also know Zheng Shuai's situation, and you can't walk when you see you." If you can be good, I will be happy, if it is just because of too much work pressure, if you are together temporarily, I will not allow it. ”

"What do you think I'm for?" Mo Xijun suddenly said angrily, "If you want to play casually, I would have done it a long time ago when I was in college, why wait until now?" ”

Lin Qiang looked at Mo Xijun's anger, and he also regretted a little in his heart, what he said was really inappropriate.

"I'm sorry, I'm sorry, I've watched Zheng Shuai come over for so many years, he chased you back then, and I also made a lot of efforts, and the current situation is ...... Some of them are like dreams. (To be continued......)